Claims on other party, insurance agent located in cebu

**wowieta** · October 8th, 2013 01:05 AM

Hi Sirs/ma'm,

Kindly share your insights kung ano pong the best gawin, and comment about my insurance.

Naatrasan po ako sa parking sa cherry fooderama last week, other party don't want to settle. I have comprehensive insurance under prudential guarantee, sila naman comprehensive din under bpi-ms. Sabi ko bayaran na lang nla sa akin participation fee ko, para ako na bahala mag-claim sa insurance ko, ayaw nila pumayag sa 3500. My right rear door has scratches and dent. Gusto nila 2500 lng eh medyo malaki naman yung scratches para sa 2500 lang. Gusto nila insurance na lang nila bahala, no choice ako. We went to precinct, nakuha ko naman complete or/cr, etc and admission of fault from the other party.

Ngayon po, i have the estimate na from casa, pinadala namin sa agent ng insurance namin kasi ang sabi ng pulis since pareho kaming may insurance, insurance to insurance na ang maguusap. Yung secretary ng insurance agent namin ang sabi sa akin, ayaw daw makialam or mainvolve na ng prudential guarantee kasi kasalanan naman nung other party. So ang gusto ng prudential is kami na ang mag-ayos personally. Point ko naman, kaya nga kumuha ng insurance to assist you sa incidents na ganito tapos hahayaan lang pala ako. Tama po ba ako? Talaga bang ganun since kasalanan nung kabila? Tulong na lang po nung secretary ng agent namin, siya na daw magpapadala nung mga papeles sa insurance agent din nung kabila, eh sa cebu pa kasi located yung agent nung kabila.

Questions:
1. Tama ba sabihin ng prudential guarantee yon sa amin na kami na lang ang magclaim personally?
2. Kung cebu located pa yung agent ng bpi-ms, pero dito naman sa manila nangyari yung accident, pwede bang dumerecho na lang kami sa claims ng bpi-ms dito sa manila? Sabi kasi sa akin mas mabilis daw ang pagprocess ng claims kung idadaan ko sa agent mismo ng bpi-ms. Any inputs?
3. Anybody experience problems making claims sa bpi-ms? Ano po ba procedure and gaano katagal?

My car is a 2 year honda city, casa maintained, thanks po sa magrereply! First time to claim po kasi.

**BratPAQ** · October 8th, 2013 01:40 AM

sir sana pumayag na kayo sa 2.5k, lugi kayo pero AFAIK walang insurance to insurance na usapan sa pinas. correct me if im wrong. ikaw talaga maghahabol sa insurance nila.

ive heard a story dati na nabunggo ng bus and kailangan nilang pabalik balik sa bus company to claim insurance, it took them 7 months. kaya nung sa kin nangyari yang ganyan binayaran ko na lang participation ko sa insurance (standard insurance) na 2k for one week repair worth 22k (gasgas and dent sa isang door)

**derf8666** · October 8th, 2013 09:24 AM

Originally Posted by wowieta

Questions:
1. Tama ba sabihin ng prudential guarantee yon sa amin na kami na lang ang magclaim personally?
2. Kung cebu located pa yung agent ng bpi-ms, pero dito naman sa manila nangyari yung accident, pwede bang dumerecho na lang kami sa claims ng bpi-ms dito sa manila? Sabi kasi sa akin mas mabilis daw ang pagprocess ng claims kung idadaan ko sa agent mismo ng bpi-ms. Any inputs?
3. Anybody experience problems making claims sa bpi-ms? Ano po ba procedure and gaano katagal?

My car is a 2 year honda city, casa maintained, thanks po sa magrereply! First time to claim po kasi.

1. No hindi tama yun. Even if 3rd party claim ang mangyayari diyan, as your agent, sila pa rin ang dapat mag-aassist sa iyo. They should be filing your docs to BPI-MS and also do the follow up and make sure that your vehicle will be repaired to your satisfaction. If not, get a new agent/insurer upon renewal.

2. Wala namang problema sa location. Especially now that we are in an electronic age. Most insurance companies nowadays are online. They can check policies even if insured with other branches. Pwede namang magfax, text, email, etc. for status of the claim.

3. As per my observation, ok naman ang bpi-ms. As long as everything is in order and reasonable, you should not encounter any problem.

BTW, you will not be paying anything (deductible) as your repair will be shouldered by 3rd party insurer.

Good luck!

**stavros** · October 8th, 2013 11:49 AM

Magpalit ka na insurance next time. Sila dapat ang hahabol dun.

**rvdelara** · October 8th, 2013 01:48 PM

Dapat i-assist ka ng insurance or agent tama kayo sir kaya nga kumukuha ng insurance para sa mga incident na ganyan meron tutulong sa mga insured. Para mas less hassle. Since kasalanan naman ng third party dapat mas mabilis ang process ng claim. Saka dapat wala kayo shoulder kahit magkano dapat waive sa third party un sir.