Accident *mc-kinley

[jansky]

Hi guys




my wife got an accident sa upper mc-kinley

from the sketch
A- is my wife's car
B- is the vehicle that collide with my wife's car

Story:

it happened around 8:00 PM so from that position..my wife is waiting for the Go signal (Merging traffic) so "someone" from the main road should give way para makadaan ung sasakyan (A & B). nung naka go na at paabante na ung A this car B biglang sumingit at nahagip ung sa kotse ng misis ko resulting to bumber misalign,well natanggal ung clip ng bumper sa gilid at ung driver ng car B after hitting ung sasakyan biglang umatras pero sinabihan ng wife ko na wag i-atras but the guy tinuloy pa rin ung pag-atras kasi daw mababangga sya sa kaliwa nya(driverside) .



-- nung dumating ako, tinanong ko ung driver ng B at ito ang matinong usapan
Me: sir,ano ho ba nangyari at mukhang nakabangga kayo
Driver B: eh nauna na akong umabante, tapos nung paliko na ako nakita ko na lang ung sasakyan na parating na kaya kumabig ako
Me: di nyo ba tinitignan paligid nyo
driver B: basta nung umarangkada na dmating bigla eh mabilis ung sasakyan
(take note ha,,traffic sa area na yan at merging pa..)

-- sa inis ko di ko na kinausap.. mas maganda sa presinto na lang kami magkausap

Me: Guard bat ayaw pa lumabas nyan
Guard: tinawag ung nanay eh,inaantay pa dumating



after 30minutes dmating din ung nanay

Driver B Mother: ano ho bang gusto nyong gawin natin para di na tayo maabala kasi tignan nyo busy naman ho tayong lahat at abala pa yan
Guard: Oo nga ho maa'm hanggat maari eh wag nyo na lang patagalin kasi malaking abala yan
Friend of Mother: may insurance naman yan diba..ano ba gusto nyong gawin natin
Me: yes insured yan kung gusto nyo ho kayo na mag cover ng cost ng participation fee..
Friend of Mother: magkano naman participation fee
Me: around 4.7k yan
Friend of Mother: Mas maganda pag usapan nyo na lang yan habang maaga pa
Driver B Mother: So paano ba to ,
Me: pwede naman ho,pero syempre kayo na sasagot ng participation fee
--after a few minutes

Guard: Sir,mukhang hindi ata makakausap so ano ituloy na natin ito sa presinto.. tatawag na ako ng imbestigador
ME:sige, tawag ka na
--after a few minutes
Friend of Mother: kailangan rin pala ng police report sa pag claim ng insurance pala
Me:yes,kailangan po yan police report,otherwise hindi ako makaka claim

--- Police Station
at pagkatapos ng mahabang salaysay ng bawat panig

Friend of Mother: ano, napag usapan nyo na ba?
me: wala pa,hindi pa ako kinakausap eh

Friend of Mother: yun na nga -shoulder na lang kng ano ung mas mura (participation fee or total damage cost)
me: ay hindi pwede kasi kahit mahal or mura ung damage cost..babayaran pa rin is participation fee for example ung damage eh ginuhitan lang ung isang panel..pero ang damage cost is 2k..babayaran ko pa rin is kung ano ung total amt ng participation fee ko
Friend of Mother:ah ganon ba un.. kasi sa amin nung naaksidente rin ung anak ko ung damage binayaran eh

Driver B Mother: ganito na lang ho, pa estimate na lang ho muna natin para malaman kung magkano at makuha ang police report
my wife:oho ganon na nga lang ho para maayos na ito
imbestigador: magpalitan kayo ng number para pag lumabas ang police report eh mag usap na kayo at pag hindi naman kayo nagkasundo eh magkasuhan na lang kayo


---now base from the sketch.. who's really at fault?

[stickers]

Not familiar sa place, anu ung bilog? Car A nasa tamang pwesto dyan.

Sent from my GT-I9300 using Tapatalk 2

[K.I.L.L.]

From the looks of it, car B may have turned right too sharply, a common mistake especially in situations like the one you sketched with merging traffic.

[jigs_xix]

*TS, where are the pictures?

[erj22]

from the sketch, i would say car A is in the right position. but if you have pictures, they would speak louder

[siopaonatoasted]

Hi guys




my wife got an accident sa upper mc-kinley

from the sketch
A- is my wife's car
B- is the vehicle that collide with my wife's car

Story:

it happened around 8:00 PM so from that position..my wife is waiting for the Go signal (Merging traffic) so "someone" from the main road should give way para makadaan ung sasakyan (A & B). nung naka go na at paabante na ung A this car B biglang sumingit at nahagip ung sa kotse ng misis ko resulting to bumber misalign,well natanggal ung clip ng bumper sa gilid at ung driver ng car B after hitting ung sasakyan biglang umatras pero sinabihan ng wife ko na wag i-atras but the guy tinuloy pa rin ung pag-atras kasi daw mababangga sya sa kaliwa nya(driverside) .



-- nung dumating ako, tinanong ko ung driver ng B at ito ang matinong usapan
Me: sir,ano ho ba nangyari at mukhang nakabangga kayo
Driver B: eh nauna na akong umabante, tapos nung paliko na ako nakita ko na lang ung sasakyan na parating na kaya kumabig ako
Me: di nyo ba tinitignan paligid nyo
driver B: basta nung umarangkada na dmating bigla eh mabilis ung sasakyan
(take note ha,,traffic sa area na yan at merging pa..)

-- sa inis ko di ko na kinausap.. mas maganda sa presinto na lang kami magkausap

Me: Guard bat ayaw pa lumabas nyan
Guard: tinawag ung nanay eh,inaantay pa dumating



after 30minutes dmating din ung nanay

Driver B Mother: ano ho bang gusto nyong gawin natin para di na tayo maabala kasi tignan nyo busy naman ho tayong lahat at abala pa yan
Guard: Oo nga ho maa'm hanggat maari eh wag nyo na lang patagalin kasi malaking abala yan
Friend of Mother: may insurance naman yan diba..ano ba gusto nyong gawin natin
Me: yes insured yan kung gusto nyo ho kayo na mag cover ng cost ng participation fee..
Friend of Mother: magkano naman participation fee
Me: around 4.7k yan
Friend of Mother: Mas maganda pag usapan nyo na lang yan habang maaga pa
Driver B Mother: So paano ba to ,
Me: pwede naman ho,pero syempre kayo na sasagot ng participation fee
--after a few minutes

Guard: Sir,mukhang hindi ata makakausap so ano ituloy na natin ito sa presinto.. tatawag na ako ng imbestigador
ME:sige, tawag ka na
--after a few minutes
Friend of Mother: kailangan rin pala ng police report sa pag claim ng insurance pala
Me:yes,kailangan po yan police report,otherwise hindi ako makaka claim

--- Police Station
at pagkatapos ng mahabang salaysay ng bawat panig

Friend of Mother: ano, napag usapan nyo na ba?
me: wala pa,hindi pa ako kinakausap eh

Friend of Mother: yun na nga -shoulder na lang kng ano ung mas mura (participation fee or total damage cost)
me: ay hindi pwede kasi kahit mahal or mura ung damage cost..babayaran pa rin is participation fee for example ung damage eh ginuhitan lang ung isang panel..pero ang damage cost is 2k..babayaran ko pa rin is kung ano ung total amt ng participation fee ko
Friend of Mother:ah ganon ba un.. kasi sa amin nung naaksidente rin ung anak ko ung damage binayaran eh

Driver B Mother: ganito na lang ho, pa estimate na lang ho muna natin para malaman kung magkano at makuha ang police report
my wife:oho ganon na nga lang ho para maayos na ito
imbestigador: magpalitan kayo ng number para pag lumabas ang police report eh mag usap na kayo at pag hindi naman kayo nagkasundo eh magkasuhan na lang kayo


---now base from the sketch.. who's really at fault?

Ganyan rin nangyari sa akin, bus ang sumagi, yung pinagkaiba is nasa shoulder lane ako, probinsya dito sa amin. Medyo alam ko ako may kasalanan, pero lumabas sa imbestigasyon na yung bus ang may kasalanan, una sya ang sumagi at naka full stop ako and preparation para lumiko rin ako pakanan.

At ito rin sabi ng abogado, hindi dahil nasa shoulder ako or anuman eh right na ng bus na sagiin ako so kung sino bumanga, sya may kasalanan.

[siopaonatoasted]

Hi guys




my wife got an accident sa upper mc-kinley

from the sketch
A- is my wife's car
B- is the vehicle that collide with my wife's car

Story:

it happened around 8:00 PM so from that position..my wife is waiting for the Go signal (Merging traffic) so "someone" from the main road should give way para makadaan ung sasakyan (A & B). nung naka go na at paabante na ung A this car B biglang sumingit at nahagip ung sa kotse ng misis ko resulting to bumber misalign,well natanggal ung clip ng bumper sa gilid at ung driver ng car B after hitting ung sasakyan biglang umatras pero sinabihan ng wife ko na wag i-atras but the guy tinuloy pa rin ung pag-atras kasi daw mababangga sya sa kaliwa nya(driverside) .



-- nung dumating ako, tinanong ko ung driver ng B at ito ang matinong usapan
Me: sir,ano ho ba nangyari at mukhang nakabangga kayo
Driver B: eh nauna na akong umabante, tapos nung paliko na ako nakita ko na lang ung sasakyan na parating na kaya kumabig ako
Me: di nyo ba tinitignan paligid nyo
driver B: basta nung umarangkada na dmating bigla eh mabilis ung sasakyan
(take note ha,,traffic sa area na yan at merging pa..)

-- sa inis ko di ko na kinausap.. mas maganda sa presinto na lang kami magkausap

Me: Guard bat ayaw pa lumabas nyan
Guard: tinawag ung nanay eh,inaantay pa dumating



after 30minutes dmating din ung nanay

Driver B Mother: ano ho bang gusto nyong gawin natin para di na tayo maabala kasi tignan nyo busy naman ho tayong lahat at abala pa yan
Guard: Oo nga ho maa'm hanggat maari eh wag nyo na lang patagalin kasi malaking abala yan
Friend of Mother: may insurance naman yan diba..ano ba gusto nyong gawin natin
Me: yes insured yan kung gusto nyo ho kayo na mag cover ng cost ng participation fee..
Friend of Mother: magkano naman participation fee
Me: around 4.7k yan
Friend of Mother: Mas maganda pag usapan nyo na lang yan habang maaga pa
Driver B Mother: So paano ba to ,
Me: pwede naman ho,pero syempre kayo na sasagot ng participation fee
--after a few minutes

Guard: Sir,mukhang hindi ata makakausap so ano ituloy na natin ito sa presinto.. tatawag na ako ng imbestigador
ME:sige, tawag ka na
--after a few minutes
Friend of Mother: kailangan rin pala ng police report sa pag claim ng insurance pala
Me:yes,kailangan po yan police report,otherwise hindi ako makaka claim

--- Police Station
at pagkatapos ng mahabang salaysay ng bawat panig

Friend of Mother: ano, napag usapan nyo na ba?
me: wala pa,hindi pa ako kinakausap eh

Friend of Mother: yun na nga -shoulder na lang kng ano ung mas mura (participation fee or total damage cost)
me: ay hindi pwede kasi kahit mahal or mura ung damage cost..babayaran pa rin is participation fee for example ung damage eh ginuhitan lang ung isang panel..pero ang damage cost is 2k..babayaran ko pa rin is kung ano ung total amt ng participation fee ko
Friend of Mother:ah ganon ba un.. kasi sa amin nung naaksidente rin ung anak ko ung damage binayaran eh

Driver B Mother: ganito na lang ho, pa estimate na lang ho muna natin para malaman kung magkano at makuha ang police report
my wife:oho ganon na nga lang ho para maayos na ito
imbestigador: magpalitan kayo ng number para pag lumabas ang police report eh mag usap na kayo at pag hindi naman kayo nagkasundo eh magkasuhan na lang kayo


---now base from the sketch.. who's really at fault?

Ganyan rin nangyari sa akin, bus ang sumagi, yung pinagkaiba is nasa shoulder lane ako, probinsya dito sa amin. Medyo alam ko ako may kasalanan, pero lumabas sa imbestigasyon na yung bus ang may kasalanan, una sya ang sumagi at naka full stop ako and preparation para lumiko rin ako pakanan.

At ito rin sabi ng abogado, hindi dahil nasa shoulder ako or anuman eh right na ng bus na sagiin ako so kung sino bumanga, sya may kasalanan.

[Just]

Kayo pala un, I passed there at around 9:00pm at nandyan pa kaya sobrang traffic. Mad alas talaga Banggaan dyan sa area na yan

[jansky]

*TS, where are the pictures?

the pictures will upload later its in my cellphone

From the looks of it, car B may have turned right too sharply, a common mistake especially in situations like the one you sketched with merging traffic.

yes, he turned too sharpy and underestimated the distance between my car

Not familiar sa place, anu ung bilog? Car A nasa tamang pwesto dyan.

Sent from my GT-I9300 using Tapatalk 2

Kayo pala un, I passed there at around 9:00pm at nandyan pa kaya sobrang traffic. Mad alas talaga Banggaan dyan sa area na yan

yap, maraming banggaan na nangyari dito


but i think.. hindi tlaga aaminin ng driver B na may fault sya,so pag nagmatigas let us see kung saan tayo pupunta..na lang

[jhnkvn]

Well, if the vehicle was moved from the accident scene, investigators will be pressured not to take sides because "they're washing their hands na" regarding the incident. Abot sa police report, they'll simply type in something about "both parties should negotiate to clear this dispute amiably" or something like that.

May mga tao na mababait na aaminin na mali nila. Meron din na hindi. Hopefully, you have the first one. If not, you're in for a long legal battle if you'll ever pursue it. When a similar incident happened to me, I simply paid off my participation fee (I have expensive premiums but low participation fees) to save myself the headache. I'm still annoyed by that idiotic truck driver who rammed my side of the car though even until now but I simply hope karma got him.

[siopaonatoasted]

Well, if the vehicle was moved from the accident scene, investigators will be pressured not to take sides because "they're washing their hands na" regarding the incident. Abot sa police report, they'll simply type in something about "both parties should negotiate to clear this dispute amiably" or something like that.

May mga tao na mababait na aaminin na mali nila. Meron din na hindi. Hopefully, you have the first one. If not, you're in for a long legal battle if you'll ever pursue it. When a similar incident happened to me, I simply paid off my participation fee (I have expensive premiums but low participation fees) to save myself the headache. I'm still annoyed by that idiotic truck driver who rammed my side of the car though even until now but I simply hope karma got him.

Pwede mo yan sampahan ng kaso, ang imbestigador, kaya nila magdetermine kung sino may kasalanan, may mga witness account naman and of course malalaman nila sino ang gumalaw ng sasakyan. Kita rin nila yan sa tama ng sasakyan, di sila pwede maghugas ng kamay kasi yun ang trabaho nila, idetalye ang insidente at i-point out kung sino nasa tamang right way.

Kung ayaw bayaran yung damages sayo, pwede mo yan ikaso, tutal mga ilang session lang naman yan. So i-claim mo na sa insurance then ask ka pa ng damagaes claims due to hassles.

[wezz_zzew]

Sa tingin ko wala naman malaking issue dito dahil payag naman ung kabilang side na i-shoulder ung gagastusin. There was one time na nabangga din auto ko. Ako ung nasa likod pero dahil sa wala sa linya/pwesto ung kabilang party, I manage to justify sa fiscal's office na sila ang may kasalanan.

[jansky]

Pwede mo yan sampahan ng kaso, ang imbestigador, kaya nila magdetermine kung sino may kasalanan, may mga witness account naman and of course malalaman nila sino ang gumalaw ng sasakyan. Kita rin nila yan sa tama ng sasakyan, di sila pwede maghugas ng kamay kasi yun ang trabaho nila, idetalye ang insidente at i-point out kung sino nasa tamang right way.

Kung ayaw bayaran yung damages sayo, pwede mo yan ikaso, tutal mga ilang session lang naman yan. So i-claim mo na sa insurance then ask ka pa ng damagaes claims due to hassles.

yes, this is my next plan after we got the police report tomorrow..when there is no amicable settlement happen. Really hassle,have to leave the office just to go to casa

[jay185]

Madami talagang naaaksidente dyan pero lahat eh due to kadamutan. Ilang bunguan na ang inabutan ko dyan. Bottle neck kasi lahat nag uunahan. Kaya ako don ako sa Piazza lumalabas instead dyan sa part na yan.

Sent from my GT-N7000 using Tapatalk 2

[macsd]

As per your explanation, sumingit yung B so it mean's sya ang bumanga, therefore it is his fault.
Yun naman sa participation fee na lang sa insurance, it's just a few thousand bucks, it ain't worth a fortune.
So kung walang pang participation fee na lang nga ang nakadamage, wala syang right to drive a car. Yan ang mahirap,
gusto porma, wala naman palang pera. Owning a car come's with lots of repsonsibility, not just may pang gasolina ok na.
Lot's of stupid people have this mentality, gusto may kotse, wala naman pera pang support sa resposibilidad ng magkakotse.

[mark_t]

Jhanski,

This is what you do, get a quotation from the dealer for a replacement of the damaged bumper.(maybe around php 18,000.00)
Let them choose between paying php 4700.00 or for the new bumper plus labor.

When you decide to sue for damages tell them now that you will submit that quote
For settlement. That should help them decide.

File your claim.

[stickers]

This is what you do, get a quotation from the dealer for a replacement of the damaged bumper.(maybe around php 18,000.00)
Let them choose between paying php 4700.00 or for the new bumper plus labor.

When you decide to sue for damages tell them now that you will submit that quote
For settlement. That should help them decide.

File your claim.

If you let them pay off the participation fees mo lang di ba ikaw pa rin ang lugi nun? cause next renewal mo ng insurance, tagged as risky client ka na.. in a way it may trigger them to increase your premiums.

Extended help and consideration na lang na ipasagot mo na lang sa kanila yung participation fee by using your insurance. The proper way is for them to pay off all the damages without you using your insurance (which of course is very impossible).

By the way, do these insurance companies come after sa mga drivers/owners who don't have insurances? Do they bill them for the damages?

[mark_t]

1. That is not true . The insurance industry is a regulated industry. Whoever is telling you that
na lugi ka for whatever does not know what they are telling you.
2.The proper way is for you is to file a claim on your own policy since the other party has no third party
Property damage cover. Now if they have third party PD, then you claim on their
policy without participation and no cost to them subject to the limits of the policy.

Read http://tsikot.com/forums/car-insurance-financing-auto-loans-talk-134/whats-tpl-62513/index2.html

3. Some insurer will bill, some don't bother.
4. Always make sure you have a compliant policy. Know your servicing agent.
His name will either be on the insurance policy or on the official receipt.

[siopaonatoasted]

If you let them pay off the participation fees mo lang di ba ikaw pa rin ang lugi nun? cause next renewal mo ng insurance, tagged as risky client ka na.. in a way it may trigger them to increase your premiums.

Extended help and consideration na lang na ipasagot mo na lang sa kanila yung participation fee by using your insurance. The proper way is for them to pay off all the damages without you using your insurance (which of course is very impossible).

By the way, do these insurance companies come after sa mga drivers/owners who don't have insurances? Do they bill them for the damages?

Di yan tataas premium mo dahil lang naaksidente or nakaaksidente ka, di naman tayo US. Bababa pa nga yan kasi magdepreciate na sasakyan mo sa susunod na taon hehehe...

File mo na sa insurance yung claim mo, ang singil naman ng participation nyan ay paglabas na ng sasakyan, so chances are settled na yung bayarin sayo ng naka-aksidente.

[jansky]

quick update

just got the report

"Investigation conducted showed that both vehicles involved were travelling along north road of Mckinley hill Fort Bonifacio Taquig City, Veh-1(mine) was position at the right most lane, while Veh-2 was position at the left lane. Upon reaching the intersection of Lawton Avenue both vehicles maneuvered a right turned and emerged in the same direction. In the process the left front fender of Veh-1 accidentally sideswiped by the right front corner of Veh-2. Sideswiped collision transpired.

well.. let the casa chase them.. maipasok ko na rin tomorrow