CAR Accident- brand new 3 weeks old, can i request new replacement?

**vinj** · April 19th, 2012 02:35 PM

Originally Posted by renzo_d10

Pano kapag binunggo mo sa pader, sino sisingilin ng insurance?

Tanong lang.

Duh... syempre yung pader. Pwede rin kasalanan ni Pnoy kung aktibista yung insurance investigator/appraiser. :D

Actually, the insurance company of the party that bumped your car, if he's comprehensively covered, will settle for your car if it qualifies to be a total loss. If he isn't, then you talk to your insurance company and they will settle and try to claim from the person who bumped you car. Kung ikaw ang nakabangga ng pader, insurance mo yung magbabayad but they will definitely watch your case closely to determine that it was not intentional, etc... CMIIW.

**renzo_d10** · April 19th, 2012 02:38 PM

Originally Posted by vinj

Duh... syempre yung pader. Pwede rin kasalanan ni Pnoy kung aktibista yung insurance investigator/appraiser. :D

Actually, the insurance company of the party that bumped your car, if he's comprehensively covered, will settle for your car if it qualifies to be a total loss. If he isn't, then you talk to your insurance company and they will settle and try to claim from the person who bumped you car. Kung ikaw ang nakabangga ng pader, insurance mo yung magbabayad but they will definitely watch your case closely to determine that it was not intentional, etc... CMIIW.

Ah, ok vinj. Thanks.

Wala pa kasi ako experience maski mag-claim man lang ng insurance. Hinde pa naman kasi nababangga yung FD (fortunately) eh yun lang naman yung may insurance. Hehe.

**oj88** · April 19th, 2012 07:03 PM

Kung naibangga mo sa pader, or in my case, na-shoot sa manhole/imbornal yung gulong ko (FR), own-damage lang yan. You still pay for the participation fee and sasagutin ng insurance lahat ng nasira.

Nung nahulog gulong ko sa manhole along V. Mapa 2 years ago, dami pinalitan... rim, tire, strut, control arm, lower ball joint, sub-frame, etc. at umabot ng 50K+. Binayaran ko 3,800 participation. And then, sa casa ko pinagawa kaya pag labas, parang bago auto ko.

Bawi na ako 2x over sa premium na binayad ko sa insurance.

**vefyjeph** · April 20th, 2012 01:15 AM

Originally Posted by renzo_d10

Pano kapag binunggo mo sa pader, sino sisingilin ng insurance?

Tanong lang.

natawa naman ako. hehehehe.

Own damage ang claim. Kasi ikaw ang bumunggo. Hindi naman pader ang nakabangga sa iyo. Hehehe.

In my case, nabangga yung rear ng car ko, tapos natulak sa pader. Mukhang sandwiched... Yung bumangga sa rear ang siningil ng insurance. Lusot yung pader... Pero nagcclaim pa nga ng property damage yung may ari nung pader. Tumawad na lang insurance.

**shadow** · April 20th, 2012 06:52 AM

sirain mo na or minsan pwede kausapin yun adjuster...na i total loss na lang. pwede rin yun mag quote sa CASA papalitan mo lahat hanggang umabot ng 70% yun gagasstusin...

**vinj** · April 20th, 2012 09:55 AM

Originally Posted by vefyjeph

Own damage ang claim. Kasi ikaw ang bumunggo. Hindi naman pader ang nakabangga sa iyo. Hehehe.

Hehe... File mo sa insurance claim/affidavit: "Na hit and run ng pader sa may San Juan kanina, walang plate number kaya hindi ma-identify".

Originally Posted by renzo_d10

Wala pa kasi ako experience maski mag-claim man lang ng insurance. Hinde pa naman kasi nababangga yung FD (fortunately) eh yun lang naman yung may insurance. Hehe.

Insurance is something we all should have but hope to never use.

**dr. d** · April 20th, 2012 06:12 PM

perhaps if you can show that the car, even if repaired, continues to be "unsafe"... as in, vital structural supports have been compromised beyond repair..

**Javier1** · May 4th, 2012 01:17 AM

Hi dear,
If you have a car insurance then you must be inform to your insurance company and get your car claim your company pay out akk your claim and if you car is fully then your company pay you a new car according to your insurance policy.

**Picard** · May 4th, 2012 01:22 AM

Originally Posted by Javier1

Hi dear,
If you have a car insurance then you must be inform to your insurance company and get your car claim your company pay out akk your claim and if you car is fully then your company pay you a new car according to your insurance policy.

Anu raw???????????????

**Rev01veR** · May 4th, 2012 03:04 AM

Originally Posted by Javier1

Hi dear,
If you have a car insurance then you must be inform to your insurance company and get your car claim your company pay out akk your claim and if you car is fully then your company pay you a new car according to your insurance policy.

isa pang-- ano raw??