Car Insurance

[iSportsDude]

technical ka sir kasi expired drivers license mo.

Hassle nga, Sir. Pero madami kasi akong nabasa na same scenarios - sabi separate issues daw yung car at yung expired license. Yung expired license problema mo yun sa pulis. Yung damage sa car mo hiwalay na issue kaya dapat sagot pa rin ng insurance. Kaya lang puro sa US yung mga nakita kong examples. 'Di ko alam kung paano dito.

[vvti2.0]

Mga Sir,

SOBRANG IMPORTANT lang na tanong. What if binangga ka sa likod (nawalan ng brake fluid) at aminado yung bumangga sayo na kasalanan niya at inamin niya sa Police Report niyo. Kaya lang EXPIRED pala license mo! Sabi nung nakabangga na sasagutin daw ng insurance niya, ibigay lang sa kanya yung police report. Ma-te-technical ka ba nung insurance nung bumangga sayo kasi expired license mo? Hindi naman nilagay ng mga police sa report. Paano kung around 150k estimate kasi damaged pati trunk?

Thank you, Sirs.

Kahit sino paps tanungin mo, talo ka dyan, expired license mo so wala ka right magmaneho.

Binigyan ka lang nun ng peace of mind sa presinto kaya inako na kasalanan nya, legally ikaw ang dapat wala sa kalsada na nagmamaneho hehehe..

Anyway, kapag nag-imbestiga ang insurance company at nakita expired license mo, wala ka rin makukuha ulit.

[dreamur]

Imho, the insurance company will claim that you were at fault due to the fact that your license has expired. You will be forced to compromise with the other party.

[iSportsDude]

Imho, the insurance company will claim that you were at fault due to the fact that your license has expired. You will be forced to compromise with the other party.

Thank you, Sirs.

So, his insurance will not shoulder it even if the police report indicates that it's their client's fault? What are my options? Nightmare situation.

[iSportsDude]

Imho, the insurance company will claim that you were at fault due to the fact that your license has expired. You will be forced to compromise with the other party.

Thank you, Sirs.

So, his insurance will not shoulder it even if the police report indicates that it's their client's fault? What are my options? Nightmare situation.

[dreamur]

Settle it amicably with the other party - agree on a certain sum without the insurance involved. But if the insurance agent adjuster got ahead of you, you need to negotiate with the adjuster this time.

[neni0hk]

Parenew ka na sir as in bukas na bukas din.

[Manilablock]

How much rebate are you expecting? Baka mas ok pa na ibigay mo na lang sa nakabili ng car mo ung policy.

[ninjababez]

How much rebate are you expecting? Baka mas ok pa na ibigay mo na lang sa nakabili ng car mo ung policy.

oo nga goodwill nalang, unless binarat sya ng husto ng buyer :D

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How much rebate are you expecting? Baka mas ok pa na ibigay mo na lang sa nakabili ng car mo ung policy.

oo nga goodwill nalang, unless binarat sya ng husto ng buyer :D

[rehpej]

Pwede pong papost na lang dito since di pa po ako makapag start ng thread.

Ok lang ba kung ipabayad sa akin nung other party yung expense nung insurance? Di lang po yung participation fee. Di po kasi ako insured eh. Ayun po yung demand nila since nagpa police report kami. Thanks

[dreamur]

Pwede pong papost na lang dito since di pa po ako makapag start ng thread.

Ok lang ba kung ipabayad sa akin nung other party yung expense nung insurance? Di lang po yung participation fee. Di po kasi ako insured eh. Ayun po yung demand nila since nagpa police report kami. Thanks

Depende sa amount. What if sa casa and recommendation ng insurance company? Haggle na lang with the other party that you will pay the participation fee although that will not stop the insurance company from running after you.

[rehpej]

Depende sa amount. What if sa casa and recommendation ng insurance company? Haggle na lang with the other party that you will pay the participation fee although that will not stop the insurance company from running after you.

Di po ung participation yung gustong ipabayad. Yung mismong buong insurance nila. Yung yearly po.

[derf8666]

Di po ung participation yung gustong ipabayad. Yung mismong buong insurance nila. Yung yearly po.

Don't do it. Because even if you agreed to pay their insurance next year and the 3rd party says that he will release you from any liability that you had caused, the insurance company will still run after you. Double whammy ka niyan if ever. Just pay his participation (if you are really at fault) and then let the insurance company run after you in the future. What the insurance company will do is to just have the car repaired, collect the participation, then they will send you a recovery letter. And next time, please get an insurance. It is a necessary expense in owning a car, especially here in the Philippines. You might get hit by pedicabs, jeeps or other vehicles without insurance. Plus all those reckless pedestrians and motorcycle drivers. And those thieves.

[rehpej]

Don't do it. Because even if you agreed to pay their insurance next year and the 3rd party says that he will release you from any liability that you had caused, the insurance company will still run after you. Double whammy ka niyan if ever. Just pay his participation (if you are really at fault) and then let the insurance company run after you in the future. What the insurance company will do is to just have the car repaired, collect the participation, then they will send you a recovery letter. And next time, please get an insurance. It is a necessary expense in owning a car, especially here in the Philippines. You might get hit by pedicabs, jeeps or other vehicles without insurance. Plus all those reckless pedestrians and motorcycle drivers. And those thieves.

ang problema sir. di sila payag eh. kahit sinabi ko half na lang ng price. tapos sabi may karapatan daw sila magdemand ng ganun since na damage ung property at mapipilitan silang gamitin ung insurance nila. ngayon gusto ko lang malaman kung may policy na di pwede ung ganung demand dahil halos 1month ng naka surrender lisensya ko. sinabihan pa kong lisensya lang dawa nawala sa akin at sila panget mag drive ng may sira ang sasakyan.

ang problema sir newbie lang po ako. akala ko ung insurance na hawak ko eh un na un. un pala tpl pala un. ayun po. sa ngayon naghahanap na po kami ng magandang insurance.

[dreamur]

A comprehensive insurance with AOG could cost between 20K to 50K depende sa model. Better get a quote from a shop and compare the cost. The other party is just trying to capitalize on the situation by claiming repairs from his insurance company and get the next year's coverage for free.

[ninjababez]

pakiusapan mo nalang. may karapatan talaga may ari ng auto since ikaw naka bangga. pwede ka nila kasuhan, bukod pa pa dun sa babayaran mo sa insurance dahil nag claim sa kanila may ari ng auto. anyway kung papayag ka sa deal na babayaran mo insurance nila, dapat plantsado at may kausap ka na lawyer para in writing/affidavit/police report na Own Damage ang declare nila at di accident.

[rehpej]

Trny ko na rin pong mag reason out sa kanila. Kasi di ko kaya yung demand nila.

Kasi po kahit bayaran ko ng buo. Ayon pp kay sir derf meron pa pong habol at babayaran sa Insurance after.

[derf8666]

They are just trying to take advantage of you and your lack of knowledge regarding insurance. Since you have admitted that you were at fault, then yes, you are liable for the damages caused to their vehicle. However not under any circumstances are you liable for their insurance premium. By the way, do not pay them based on the repair estimate, usually bloated kasi yun. Normally less mga 20%-50% ang actual cost niyan, depende sa talyer/casa. Kaya nga laging may nakalagay sa estimate na "This estimate cannot be used in court" or something to that effect. Like I said before, have it repaired via their insurance company muna instead of paying it outright. 2 reasons: One, that will give you time to save since hindi pa naman sila kaagad mangongolekta. Sometimes, it takes them months to prepare for their recovery. Two, insurance companies are good negotiators since they already know the ins and outs (in other words, kalokohan) ng mga talyer/casa. So you are assured that what you are paying for would be reasonable. Hope this helps.

[rehpej]

They are just trying to take advantage of you and your lack of knowledge regarding insurance. Since you have admitted that you were at fault, then yes, you are liable for the damages caused to their vehicle. However not under any circumstances are you liable for their insurance premium. By the way, do not pay them based on the repair estimate, usually bloated kasi yun. Normally less mga 20%-50% ang actual cost niyan, depende sa talyer/casa. Kaya nga laging may nakalagay sa estimate na "This estimate cannot be used in court" or something to that effect. Like I said before, have it repaired via their insurance company muna instead of paying it outright. 2 reasons: One, that will give you time to save since hindi pa naman sila kaagad mangongolekta. Sometimes, it takes them months to prepare for their recovery. Two, insurance companies are good negotiators since they already know the ins and outs (in other words, kalokohan) ng mga talyer/casa. So you are assured that what you are paying for would be reasonable. Hope this helps.

thank you very much. still trying to negotiate with them. pano po ba mode of payment sa insurance? may letter na dadating? or mag bank deposit? or meron pang iba?

kung tama po pagkakaintindi ko. ang total ko pong babayaran is participation fee (if ever) plus total cost of repair?

[ninjababez]

thank you very much. still trying to negotiate with them. pano po ba mode of payment sa insurance? may letter na dadating? or mag bank deposit? or meron pang iba?

kung tama po pagkakaintindi ko. ang total ko pong babayaran is participation fee (if ever) plus total cost of repair?

yes
sana lahat ng nakaka bangga kasing responsible mo.