Claiming Own Damage Insurance from Oriental Assurance Corporation

**kevindd992002** · November 16th, 2017 08:40 AM

Originally Posted by dr. d

you have the right to demand anything, sir.
getting it, is another question, however. sometimes, the hassle and all, outweigh the amount involved.

if one is frequently accidented...
is it possible, it may not be the others' fault...?

Ok.

No, not really. Like I said, the first incident is my fault. The 2nd one is totally the other party's fault, no questions asked. I've been driving for almost 13 years now and this is the first time I've been into this type of accidents. Not being boastful or anything but that is the truth.

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**shadow** · November 16th, 2017 08:48 AM

Originally Posted by kevindd992002

Ok.

No, not really. Like I said, the first incident is my fault. The 2nd one is totally the other party's fault, no questions asked. I've been driving for almost 13 years now and this is the first time I've been into this type of accidents. Not being boastful or anything but that is the truth.

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Was the ₱400 paid at the traffic center? If yes, you don't have to collect it from the other party. Both of you really need to pay for the photo and traffic report. since you both need the traffic report for both of your insurances.

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**kevindd992002** · November 16th, 2017 09:02 AM

Originally Posted by shadow

Was the ₱400 paid at the traffic center? If yes, you don't have to collect it from the other party. Both of you really need to pay for the photo and traffic report. since you both need the traffic report for both of your insurances.

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Yes, that's what I thought initially. It's just that "ako na yung naabala". I'm not sure if that's one of those only in the Philippines thinking but it kinda make sense to demand anything if that is really my right.

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**shadow** · November 16th, 2017 09:06 AM

Originally Posted by kevindd992002

Yes, that's what I thought initially. It's just that "ako na yung naabala". I'm not sure if that's one of those only in the Philippines thinking but it kinda make sense to demand anything if that is really my right.

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To be honest, I don't think it's your rights. I mean it was an accident, I'm sure even the other party don't want to be involved in one.

Even the participation fee. A lot of local car owners demands it from the other party. Which I think shouldn't be the case.

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**kaiserguian** · November 16th, 2017 04:53 PM

Originally Posted by kevindd992002

So I should get an affidavit from a lawyer first regarding what happened?

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You can get the affidavit of accident template from the internet(or your agent) and you can get it stamped and signed in those notary public/photocopy shops, its around 50-150 php, depends on the shop.

Sorry to hear bro about sa bagong damage.

**StockEngine** · November 16th, 2017 07:01 PM

did the coat minimize paint damage?

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**kevindd992002** · November 16th, 2017 07:12 PM

Originally Posted by kaiserguian

You can get the affidavit of accident template from the internet(or your agent) and you can get it stamped and signed in those notary public/photocopy shops, its around 50-150 php, depends on the shop.

Sorry to hear bro about sa bagong damage.

Ok, I'll ask my insurance agent tomorrow. Thanks.

Originally Posted by StockEngine

did the coat minimize paint damage?

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It looks like it.

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