Can't We Promise CTPL Proceeds to Victim's Spouse?

[rivervalley]

My brother was the driver of a motorcycle involved in an accident that caused the death of a drunk person.
He gave 25k to the victim's wife for funeral expenses and then promised the proceeds of his CTPL insurance as additional indemnity.

The insurance officer asked for a receipt of cash given to the victim's wife, and said that would be the basis of the insurance proceeds.
He said that 70k is only a ceiling, and not really the automatic amount of proceeds. We worry that if we give the 25k receipt, the insurance company will give only that amount.

There's this statement in the CTPL insurance policy: No. 5 or Conditions Applicable To All Sections: ......no admission, offer, promise or payment made by or on behalf of the insured without the written consent of the Insurance Company...

Does this mean that we cannot put this in the Affidavit of Desistance? ... That the victim's wife will no longer pursue any legal case because the driver promised to give all the proceeds of the CTPL insurance to her...?

Thank you very much for any advice....

[[archie]]

Yes receiving any type of gift, cash, etc can be seen/used as settlement.

I'm not a lawyer but sa pagkakaalam ko, they cannot do anything about a civil case but criminal still entitled sila. Let's wait for a real lawyer to reply, I might be wrong.

[rivervalley]

Thanks, archie...

Yong insurance company kaya okay lang na mabasa nila sa Affidavit of Desistance na nag-settle na
yong victim's spouse kasi nagbigay na yong driver ng 25k at nag-promise na ibibigay ang insurance proceeds?
May hope kaya na 70k or near 70k ang insurance proceeds?
Thanks again

[mark_t]

It is not for you to offer anything that is not yours.

Why don't you offer something from your savings as settlement?

[rivervalley]

It is not for you to offer anything that is not yours.

Why don't you offer something from your savings as settlement?

Thanks mark_t
Okay nga sana, kung merong savings na kahit 50k...
Pero di ba kaya may insurance para makatulong?
Pumayag naman yong victim's spouse kasi intindi niya rin magbabayad ang insurance.

So in short, masama ang effect sa claim kapag ilagay yon sa Affidavit of Desistance?

[Manilablock]

Iba ang insurance settlement sa ibinigay mong assistance, un nga lang sa isang insurance company the lesser amount is better for them.

[somniantis86]

Pwede naman mag affidavit of desistancd without stating yung circumstances ng settlement. In theory, pag criminal cases, pag na file na so korte yung information, wala ng magagawa. Pero in practice, pag ngkabayaran na, ilalagay na lang sa affidavitbof desistance na yung witness is unsure kung yung bktima ba talaga ang gmawa ng crime. Very prevalent practice, but illegal nonetheless.

Sent from my GT-I9505 using Tapatalk 4

[mark_t]

Thanks mark_t
Okay nga sana, kung merong savings na kahit 50k...
Pero di ba kaya may insurance para makatulong?
Pumayag naman yong victim's spouse kasi intindi niya rin magbabayad ang insurance.

So in short, masama ang effect sa claim kapag ilagay yon sa Affidavit of Desistance?

Eh mag ipon kayo ng 50k. Gumawa kayo ng paraan, nakapatay na kayo ng tao eh.
Hindi ba puede ibenta motor? Pag tulungan ninyo ng pamilya . Kung gusto may paraan,

Totoo na para makatulong ang insurance, pero contract yon at may terms.
Hindi kasama na ipangako mo ang hindi sa iyo. Kailangan tama ang takbo ng isip.
Lahat ng expenses doon ay itemized, at kailangan mag submit ng resibo.
Sino naman ang nagsabi na hindi magbabayad ang insurance? Kung hindi mo itinama ito, eh niloko mo na rin yon tao.

Tulongan mo na lang siya mag claim, kasi para sa kanila talaga iyon third party claim.
Marunong ka naman siguro magtanong sa adjuster,

First Party kayo ng brother mo. Hindi para sa inyo yon CTPL, kasi para sa third party yon,
para sa namatay . Hindi na kailangan pahabain pa.

Tawagan mo agent mo para ma asikaso claim. Trabaho niya yon kaya nga nakalagay pangalan niya sa policy eh.
Tatlo pangalan doon First party kayo, second party insurance co. at third name ng servicing agent ninyo.

[rivervalley]

Thanks again, mark_t, for taking the time to explain.

We're on our own, kasi wala namang alam about CTPL yong nagbenta ng CTPL, and that's our fault too --
buying CTPL from just about anyone there hawking their policies near LTO.

Magsabi pa sana ako about whose fault was the accident, pero tama ka, huwag nang pahabain... Dapat we thank God na lang na my brother was alive...
and that's what's important..not the money...And helping the victim's family is also important... Yah, gagawan namin ng paraan....Thanks again

[derf8666]

Mark is right in that the insurance company is not liable for any promises made by its insured and can disregard any agreement reached between the insured and the third party. However, the CTPL policy states that the death benefit is 70k plus burial benefits of up to a maximum of 30k. So total benefits could reach 100k. Therfore the insurance company should pay what is due to the third party, that is an additional 45k to the third party, reimbursement of the 25k to your brother, and the actual expenses of the burial, which is likely to reach the 30k limit.

And whoever fault it was, as long as you kill someone while driving, the driver will always be liable.