Mga sirs, i was rear-ended last Dec 17 by a woman driving 2002 toyota company car. Mine is a 6-month old Innova. My damages upon estimate is replacement of bumper and repair of back door. What i want originally is a replacement of back door as well but it will not be covered by the insurance. Since both of us have comprehensive insurance, i opted to file against her insurance but her agent does not want us to endorse to the ensurer and want us to go to makati instead. What the heck?? Sobrang abala naman yata un para sa kin. So I filed with my insurer instead. Got my LOA already and naturally i need to pay for the participation fee. I have called the woman and she insist that we claim from her insurance so we wouldn't have to pay anything because she wont shoulder the participation personally either...THE NERVE!!!

My question is, if i pay for the participation, how can i get reimburse? I know that my insurer has the right for subrogation, will it include my participation fee?

How do I file a civil case against the liable party?

Thanks!