Insurance premium not remitted

**rainman08** · February 17th, 2009 02:47 PM

Hello mga bro! tanong ko lng sana saan ba pedeng magreklamo pag may reklamo sa insurance agent... eto kasi un situation ko eh

Meron me 2007 avanza kinuha sa Toyota Alabang...

Kumuha ako ng People's General insurance ... may binigay na policy un agent and acknowledgement receipt... bro acknowledgment receipt lng kasi sabi nun agent once na mabayaran i-issue un official receipt .. nabayaran ko na in full un insurance last december so kinulit ko un agent for the OR madaming excuses hinde pa daw dumaan sa accounting .. idedeliver na daw hanggang more than one month na wala pa din OR

So tumawag me sa People General Insurance Quezon City service provider nalaman ko na hinde niremit un full amount so sinumbong ko din sa People's general insurance sabi nun manager ng People's insurance aayusin daw nila after two months wala pa din OR so kinulit ko pa din tpos un agent nagtatago na bro... grabe talaga ... sabi ko sa manager bakit ang tagal nilang ifollowup sa agent nila imagine december pa fully paid.. Amor pangalan nun agent eh pangako ng pangako un manager na aayusin pero umabot na ng 2 mos and problema hinde ko sure na kugn nakainsured un kotse nun una sabi nun manager nakainsured nun huli ang sabi hinde eh tinanong ko bakit sila nagissue ng policy dun sa agent

eh mukang nagkakalokohan na eh kaya gusto ko na sana silang ireklamo baka meron nman kyong alam kung saan pedeng ireklamo tong agent na to para hinde na makapanloko

Salamat bro!

**nicolodeon** · February 17th, 2009 03:47 PM

Reklamo ka Insurance Commission. They'll ask you for a sworn statement and IIRC, a statement from a wintess na nagpapatunay na nagbayad ka ng premium. Pwede mo rin siguro reklamo sa PIRA (Philippine Insurers and Reinsurers Assiciation), yung parang "adminstering/governing body" ng mga non-life insurance companies.

Dati akong insurance agent (life and non-life) and sad to say eh marami talagang ahente na ganyan.

**mark_t** · February 17th, 2009 05:13 PM

Originally Posted by nicolodeon

Reklamo ka Insurance Commission. They'll ask you for a sworn statement and IIRC, a statement from a wintess na nagpapatunay na nagbayad ka ng premium. Pwede mo rin siguro reklamo sa PIRA (Philippine Insurers and Reinsurers Assiciation), yung parang "adminstering/governing body" ng mga non-life insurance companies.

Dati akong insurance agent (life and non-life) and sad to say eh marami talagang ahente na ganyan.

Sad to say but the insurance industry attracts the wrong kinds of people.
Meron agent talaga at meron fake na agent. The only protection you can
have is to pay in checks directed to the insurance co. Mas grabe pa ang situation ngayon in my opinion since the casa is already acting as agents.
Maraming casa hindi ni re remit ang mga premium kung walang claim.
Sa mga agent kuno naman, talagang walang ni re remit.

Ang masama pa nito hindi naman sinasabi ng claims department na wala
pa remitance dahil they are trying to protect their market. That is how it is
kaya tumatagal ang claim. And it is very difficult to compete with this bogus agents, pambihira in 15 minutes nakakapag issue ng policy while
I will have to personally appear before an underwriter
everytime all the time I will waive charges for Acts of God cover.

The most you can do is appear before the Insurance Commision.

Hirap talaga damned if you do and damned if you dont.

If you buy direct sa insurance co mahal, pag sa agent naman saan ka
maghahanap? At kung me kilala ka Ganoon din mahal ang policy. Kung
makakita ka ng mura charges ayaw naman tanggapin ng bank kung hindi
sa bank assurance channel mo kukunin.

Pero agents are bonded dapat so dapat i honor nila yon provisional receipt.
Kung agent nga nabilhan mo.

Ako nga experience ko tinatawagan mga client ko na hindi raw ako
insurance agent. Hindi ko naman alam kung sino sila. This month naman
yon East West Bank ayala nag issue ng 3 policy sa client ko. So sa akin muna nagalit yon tao dahil sinisinggil sya ng banko.

Imagine 3 policy sa isang sasakyan. Ungas diba?

Bale pang apat yon sa akin.

**1D4LV** · February 17th, 2009 05:15 PM

since non life insurance yan, its under the supervision of the insurance commision. complain ka dun bro. mabibilis naman sila kumilos dun eh.

**batangmahal** · February 17th, 2009 06:02 PM

better go to the insurance commission. agents should have their license to be legal. otherwise, pwedeng kasuhan pa sila.

**ab_initio** · February 17th, 2009 06:02 PM

Originally Posted by nicolodeon

Reklamo ka Insurance Commission. They'll ask you for a sworn statement and IIRC, a statement from a wintess na nagpapatunay na nagbayad ka ng premium.

+1.

the Commission will sanction the Insurance co.

**rainman08** · February 17th, 2009 06:06 PM

Thank you sa lahat ng bros na nagreply... may pangako un manager hanggang this coming Friday aayusin ... un agent free agent daw totoo daw un policy ko ang problema kaya hinde daw insured eh kasi hinde naremit un pera

ang hirap lng bro nagtatago na un agent 1 buwan ko na tinatry icontact ang dami ng dahilan na nasa probinsya daw umalis wala sa opisina nakakadala lng

un Insurance commission un ba un nasa UN Avenue

**Galactus** · February 17th, 2009 06:17 PM

Teka, observation lang. Lapsed na rin yung policy niya, di ba? 1 year lang naman ang coverage ng comprehensive, right? It was issued in 2007, eh 2009 na ngayon. At least, from the way the story was constructed, that was my understanding. Not unless, na-renew na pala yung policy.

Personally, pangalan pa lang ng insurance company, People's General Insurance, parang hao-shiao na eh. Mahirap sigurong mag-claim diyan.

**batangmahal** · February 17th, 2009 08:12 PM

Originally Posted by rainman08

un Insurance commission un ba un nasa UN Avenue

yup, the IC is located there.

**nicolodeon** · February 18th, 2009 08:43 AM

Originally Posted by rainman08

Thank you sa lahat ng bros na nagreply... may pangako un manager hanggang this coming Friday aayusin ... un agent free agent daw totoo daw un policy ko ang problema kaya hinde daw insured eh kasi hinde naremit un pera

ang hirap lng bro nagtatago na un agent 1 buwan ko na tinatry icontact ang dami ng dahilan na nasa probinsya daw umalis wala sa opisina nakakadala lng

un Insurance commission un ba un nasa UN Avenue

Free agent? Labo. All legal agents should have a license from the IC. I had one. Yung free agent na yan en usually eh nagsosolicit ng insurance pero yung policy eh pinapasok sa pangalan ng isang licensed agent. Either yung licensed agent gets the full commission tapos bininigyan na lang nila ng percentage yung "free agent" or the "free agent" gets the full commission while the licensed agent (kung saan sa name nya pinasok yung policy) will have an overriding commission.

Technically, hindi valid yung policy mo kasi nga hindi bayad sa records nila.

It's not uncommon for insurance agencies (not insurance companies) nag pagtakpan yung mga erring agents nila. Seen it with my own eyes as an insurance agent for 8 years and as an guy who worked for a couple of insurance companies for 13 years (collectively). Minsan pa nga, may kasabwatan yung erring agent dun sa loob ng insurance company. Since nasa IT ako nun, madalas akong lapitan ng ilang bugok na insurance agents asking me kung pwede ko daw kalikution yung computer records to reflect na nagremit na sila ng premium - sila daw bahala sa akin.

As for the insurance commission, here's their address:

1071 United Nations Ave.,
Ermita Manila, Philippines

Good luck.