Bad Experienced with ALPHA INSURANCE - San Marcelino Ermita

**missjoan** · January 28th, 2011 12:16 PM

Hi,

Newbie lang po ako, im soliciting advice from people here about our dilemna with the ALPHA INSURANCE located at no. 1025 San Marcelino St Ermita Manila. Eto po ang insurance nung nakabanggang trucking company sa amin na under C D Tolentino. Yung company truck di naman kami tinutulungan sa pagclaim ang sabi di na raw nila problema 'to sa insurance na daw kami makapag usap. Tama po ba reason nila? Anong kaso ang puede ko pong i file against them?

Gusto ko po sanang malaman if kung magcomplain po ba sa Insurance Commision eh bibigyan nila ng pansin ang reklamo ko or wag na lang?

Tuwing tatawag po kase ako or yung husband ko sa insurance na to laging sinasabi pina process pa ang documents since December tapos nitong huli nasa releasing na daw pero wala daw boss nila or busy lagi boss nila or maraming nirereview si boss or sira program sa computer di macheck ang status ng release. Di ko po alam if may balak ba silang i release ang check.

Nakakaiyak na talaga! Sobrang sama ng loob na nakuha ko sa kanila so please guide me if what steps should I take from here.

Any inputs is appreciated. Thanks in advanced.

**mazingerZ** · January 28th, 2011 12:29 PM

I think I saw Alpha Insurance sa blacklisted insurance agencies. Kasama na doon ang Imperial. i'll try to find a copy and post it here na lang for our fellow tsikoteers.

**crazy_boy** · January 28th, 2011 12:30 PM

Originally Posted by missjoan

Hi,

Newbie lang po ako, im soliciting advice from people here about our dilemna with the ALPHA INSURANCE located at no. 1025 San Marcelino St Ermita Manila. Eto po ang insurance nung nakabanggang trucking company sa amin na under C D Tolentino. Yung company truck di naman kami tinutulungan sa pagclaim ang sabi di na raw nila problema 'to sa insurance na daw kami makapag usap. Tama po ba reason nila? Anong kaso ang puede ko pong i file against them?

Gusto ko po sanang malaman if kung magcomplain po ba sa Insurance Commision eh bibigyan nila ng pansin ang reklamo ko or wag na lang?

Tuwing tatawag po kase ako or yung husband ko sa insurance na to laging sinasabi pina process pa ang documents since December tapos nitong huli nasa releasing na daw pero wala daw boss nila or busy lagi boss nila or maraming nirereview si boss or sira program sa computer di macheck ang status ng release. Di ko po alam if may balak ba silang i release ang check.

Nakakaiyak na talaga! Sobrang sama ng loob na nakuha ko sa kanila so please guide me if what steps should I take from here.

Any inputs is appreciated. Thanks in advanced.

I guess you already have a police report. If the insurance company will not pay you, complain to LTO, so that they can't register their truck when the time comes.

Do you have comprehensive insurance? If you do, you should have let your insurance company deal with Alpha directly.

But if I were you, file a police blotter, then bring the police report to LTO, and LTFRB, since trucking yan, to file a formal complain para hindi sila maka register.

**missjoan** · January 28th, 2011 01:06 PM

Originally Posted by crazy_boy

I guess you already have a police report. If the insurance company will not pay you, complain to LTO, so that they can't register their truck when the time comes.

Do you have comprehensive insurance? If you do, you should have let your insurance company deal with Alpha directly.

But if I were you, file a police blotter, then bring the police report to LTO, and LTFRB, since trucking yan, to file a formal complain para hindi sila maka register.

hi sir crazy_boy,

Yes I have the police report/documents. Sad to say wala pong insurance ang aming sasakyan - lumang model na po.
I think, with what you suggest eto nga po siguro ang isa sa dapat kong gawin hoping lang may pumansin sa amin sa ahensyang nabanggit.

maraming salamat po.

**iljoma** · January 28th, 2011 04:09 PM

You can go straight to the Insurance Commission to resolve this. They have a department that handles claims disputes. Bibigyan nila ng pansin ito, lalo na't ikaw ang tinatawag na "Third Party" (meaning, hindi ikaw ang may kasalanan) sa accident.

On the other hand, the trucking company cannot absolve themselves of their responsibility. Because they are the party at-fault, ultimately they are the ones liable for your damages. In fact, kung kulang ang settlement ng insurance, dapat bayaran ng trucking company yung kakulangan. At kung hindi ka mabayaran at all ng insurance, ang dapat magbayad ng buong amount sayo ay ang trucking company.

**ecozone** · January 28th, 2011 07:59 PM

ts afaik you can only claim from alpha insurance if the truck is covered by comprehensive policy through PD (property damage). TPL only covers bodily injuries.

**shadow** · January 28th, 2011 09:35 PM

pay them a visit, yan mga ganyan wala talagang gagawin pag phone mo lang kakausapin.

**derf8666** · January 28th, 2011 09:45 PM

I think the truck does have comprehensive insurance since ALPHA has more or less processed the claim and is only waiting for the "signatures" daw.

I dont think you can go to the LTO and have the truck blacklisted. I dont think you can go to the police either para ipablotter sila. They havent done anything to justify that. It is normal procedure that the Insured will refer all the problems to their insurer, thats what insurance is for. Kaya nga nagpapainsure para walang sakit sa ulo kapag nagkaaksidente. although its also true that if their coverage is not enough to pay for the accident, they do have to shoulder the difference.

Pero since your problem nga is ALPHA and their delaying tactics, pwede mong pakiusapan yung nakabangga na tulungan kayo sa pagfollow up. Sometimes, a follow up coming from their client can have a bigger impact than that coming from a third party claimant.

Unfortunately Alpha is allegedly one of the more "unreliable" insurance companies. Give them a few more days before you complain to the Insurance commission. I think they have a grace period of 30 days to 90 days. Ganun din ang nangyari sa amin noon sa BF General Insurance naman. Sobrang tagal din bago ko nakuha yung cheke. Panay follow up din. Wala daw signatory, ek ek.. Palibhasa 3rd party din lang kasi kami and their client didnt help us din. And to think that the amount was only about 6,000 pesos.

**missjoan** · January 31st, 2011 05:26 PM

Originally Posted by derf8666

Unfortunately Alpha is allegedly one of the more "unreliable" insurance companies. Give them a few more days before you complain to the Insurance commission. I think they have a grace period of 30 days to 90 days. Ganun din ang nangyari sa amin noon sa BF General Insurance naman. Sobrang tagal din bago ko nakuha yung cheke. Panay follow up din. Wala daw signatory, ek ek.. Palibhasa 3rd party din lang kasi kami and their client didnt help us din. And to think that the amount was only about 6,000 pesos.

hi,
the truck company is not helping us. sabi nila bahala na daw ang insurance sa damage ng sasakyan namin. pinag pasa pasahan lang din kami sa phone ng mga ito.

apparently, may bad record na pala ang ALPHA and sanay na pala silang mag paasa. Ang sa akin na lang ngayon sana magbigay ideya ito sa iba kung papano tratuhin ng ALPHA ang claimants nila.

Nagsubmit na po ng complaint sa insurance commission si hubby ko but if may grace period pa ng 90days malamang mabalewala lang din pala. =(

maraming salamat po lahat ng nagbigay opinyon and suhestiyon.