Insurance Claims Processing

[kyaw2x]

Good day to all!

Tanong ko lang kung ilang buwan normally ang processing sa insurance claims. Nka banga kasi ang bago kung sasakyan last Dec 2012, tapos na complete ang papers ko pra sa insurance claims last Feb 4,2013 (dahil matagal ang registration). Hanggang ngayon nsa claims committee pa daw ang papers ko pra ma evaluate. Paulit ulit akong pinatawag, lagi nlang tawag next week sir and etc..

Ganun ba katagal ang processing? sorry first timer po ako kaya need ko tulong ninyo.

Insurance company is Milestone Guaranty pala, bka kasi may member dito na nka experience na from this company.

[1D4LV]

depende yan sa insurance company mo eh.
the fastest i got was 3 days.
longest i got was 2 weeks.

[derf8666]

For standard claims, usually it is 3-5 days upon submission of complete documents.For bigger claims, it could take longer. Maybe a week or two, depending on the availability of spare parts and could involve other factors
.

[interruptedz]

anong insurance company mo sir?ng maiwasan yan haha.sobrang tagal walang kwenta yang insurance provider mo

[kyaw2x]

Available nman cguro yung spare parts kasi bumper lang nman ang nasira.
3 days? ayus yung insurance company mu ah!
Grabe tong sa akin mg dalawang buwan na, wala pa rin, lage nalang on process pa.

Milestone Guaranty and Assurance Corp. (website nila MILESTONE Home) - ang insurance company na kinuha ng agent ko.
Kya babala sa mga car owners na kukuha ng insurance, beware of Milestone Guaranty and Assurance Corp.

[kyaw2x]

March 22, 2013 at 2:20pm - Tumuwag nman ako sa kanila at ang sagot ng in-charge nasa claims committee pa daw.

Anung pwd kong gawin para mapabilis ang processing?

[stickers]

try mo ifollow up dun mismo sa claims committee...

mga gurus: pano ba process ng filing ng own damage? anu anu kelangan kung walang police report?

[mark_t]

Click




questions on claiming insurance

[Jimmy16]

ganyan din prob ng gf ko. ganyan ba talaga mga insurance company? minsan mapapaisip ka kung may balak pa ba silang bayaran ka o hindi na. tsktsk

[joemarski]

kaya nga 'yang mga insurance companies na walang tibay na maasahan, lalong- lalo na 'yung may mga
mga sira ng bad records, dapat ipinapa- alam sa mga tsikoteers.
mahirap nang makapam- biktima pa 'yang mga 'yan... mga lason sa lipunan!!! :arghhh:

[mark_t]

Important na may servicing agent ang insurance policy ninyo.
Para maasikaso ng maayos. Hindi lalakad ng mag isa ang mga claim.

Ano bang insurance co ang nagbibgay sa inyo ng problema?
I post ninyo para matuto lahat. Ano ba nangyari sa nyo at hindi magawa.

[boybi]

Pa hi-jack ng thread.

My delivery truck hit a parked Innova. Basag rear tail lights and dented yata yung body surrounding the taillight.

Ang gusto ng Innova is bayaran ko sya agad para ipagawa nya agad.

I gave the owner 2 options. Bring the car to the accredited talyer of my insurance so it will be fixed immediately, or give me the required documents so I can submit them to my insurance so they can process it already para mapagawa na sa casa yung Innova. In our decades of experience with our insurance agent, never pa naman kami na-delay nor na deny sa mga claims.

Ayaw ng owner ng Innova yung 2 options ko. Gusto nya upfront bayad agad dun sa amount na pina-estimate sa casa. Nagmamadali daw sya.
Nung wednesday ng gabi nangyari ang accident. Nag followup ako today for the documents, ayaw pa rin ibigay.

Should I pay the damages nalang para matapos na? Or do I have the right na ipasa sa insurance ko yung pagbayad sa damages? Magdedemanda daw sya if hindi ko agad bayaran. Hindi ko naman tinatakasan responsibility ko, ako pa nagffollowup sa kanya.

[_Qwerty_]

he's asking you to pay the full amount?? wala ba syang comprehensive? kung gusto nya sya magpagawa.. via his insurance.. eh dapat participation lang babayaran mo.. ganon lang dapat yun.. hindi full amount nang repairs..

[boybi]

Yes, full amount based on the estimate from Toyota casa. Or I'll be sued daw.

[Retz]

^

kauspain mo ung insurance company mo kung accredited ba ung casa ng innova sa repair shope list nila, kung hindi, maybe you could make special arrangement with your insurance company na i-accredit ung casa ng innova. para mapadala na ng innova doon sa casa at mapa repair na agad to follow mo na lang mga documents needed, mainit pa kasi ulo ng innova owner kaya ayaw ibigay.

[mark_t]

Pa hi-jack ng thread.

My delivery truck hit a parked Innova. Basag rear tail lights and dented yata yung body surrounding the taillight.

Ang gusto ng Innova is bayaran ko sya agad para ipagawa nya agad.

I gave the owner 2 options. Bring the car to the accredited talyer of my insurance so it will be fixed immediately, or give me the required documents so I can submit them to my insurance so they can process it already para mapagawa na sa casa yung Innova. In our decades of experience with our insurance agent, never pa naman kami na-delay nor na deny sa mga claims.

Ayaw ng owner ng Innova yung 2 options ko. Gusto nya upfront bayad agad dun sa amount na pina-estimate sa casa. Nagmamadali daw sya.
Nung wednesday ng gabi nangyari ang accident. Nag followup ako today for the documents, ayaw pa rin ibigay.

Should I pay the damages nalang para matapos na? Or do I have the right na ipasa sa insurance ko yung pagbayad sa damages? Magdedemanda daw sya if hindi ko agad bayaran. Hindi ko naman tinatakasan responsibility ko, ako pa nagffollowup sa kanya.

No, do not pay until your insurance co gives approval for you to advance payment. Paying up without your insurance co. approval would fall under "Unauthorized Repair Clause" of your policy. Read your Policy.

Hayaan mo siya magdemanda kung gusto niya iyon. Kung Masaya siya doon then magdemanda siya.
You already paid for a Lawyer when you bought your policy, so you will only need to forward this demanda to your insurance co. claims department.

If they can't wait for your insurance co. to conduct due diligence then problema niya iyon.
Kung ayaw niya ng option mo then problema niya iyon. May telephone number naman ang adjusters so
let them do their job. It is a third party claim , they may even choose their own repair facility.

As to documents, start training your people to always document accidents as soon as it happens with their Cellphones.
That is all you need. Bugbugin mo ng photos and pangyayari. because this will happen again.

Your course of action should stay the same and that is to fill up your accident statement form and
submit it to your claims department, always coordinate with your agent before signing that check.
Wala problem naman na i advance mo ang check but always with the approval of your claims department.

Siguro naman dalawang inspection lang yan tapos na.

Pag nag demanda siya then balik kayo sa option mo, ganoon pa rin. Kahit mag sama pa siya ng 30 na Judge.

You're welcome boybi!

[boybi]

Thanks mark!

[mark_t]

he's asking you to pay the full amount?? wala ba syang comprehensive? kung gusto nya sya magpagawa.. via his insurance.. eh dapat participation lang babayaran mo.. ganon lang dapat yun.. hindi full amount nang repairs..

Baka nga mayroon siya comprehensive policy kaya gusto niya maka singgil agad.

Walang dapat bayaran si Boybi sa isang third party claim, kasi walang bayad talaga yon.

At kung ubos na ang Third Party limits ninyo, saka kayo uli mag bayad dahil additional endorsement ito.

[mark_t]

^

kauspain mo ung insurance company mo kung accredited ba ung casa ng innova sa repair shope list nila, kung hindi, maybe you could make special arrangement with your insurance company na i-accredit ung casa ng innova. para mapadala na ng innova doon sa casa at mapa repair na agad to follow mo na lang mga documents needed, mainit pa kasi ulo ng innova owner kaya ayaw ibigay.

It is a third party claim. No need to do anything but file the usual claim.
Kung ayaw niya ibigay ang documents then hindi mo kailangan sa buhay mo ito.
Parusahan niya sarili niya kung gusto niya kung doon siya masaya.

Kung gusto pa ni innova na huwag pansinin ang adjusters then OK LANG!

[boybi]

Nag followup na naman kami for the documents. Ayaw daw nya nagbibigay ng docs! Labo.

Ang problem ko now is yung license ng driver nasa police station. Pano kung hindi kami magsettle nung Innova, hindi rin makukuha yung license?