Insurance Claim procedure

[jeDi13]

I've read several threads regarding insurance claims but none contain exact answer to my question. So here's the scenario:

- vehicle at fault (car A) side swiped a vehicle at full stop (car B)
- car A is a company car, has comprehensive insurance
- car B only has TPL
- both drivers of vehicles agreed to settle for a police report and claim from insurance of car A
- driver of car B filed for a police report

Can someone state what steps to do next of car B driver? After getting the police report, where should he go and steps to accomplish?

Hope somebody can give enlightenment.

Thanks in advance.

[Gumusut_Amige]

I've read several threads regarding insurance claims but none contain exact answer to my question. So here's the scenario:

- vehicle at fault (car A) side swiped a vehicle at full stop (car B)
- car A is a company car, has comprehensive insurance
- car B only has TPL
- both drivers of vehicles agreed to settle for a police report and claim from insurance of car A
- driver of car B filed for a police report

Can someone state what steps to do next of car B driver? After getting the police report, where should he go and steps to accomplish?

Hope somebody can give enlightenment.

Thanks in advance.

sir, to start with the filed police report should indicate that car A has agreed to pay all repair costs for car B.
- if car B is an old car, go to your suking insurance accredited car repair shop for estimate but if otherwise the casa is the way to go (with car A driver presence of course).
- shop/casa estimate will be forwarded by accredited shop/casa to insurer
- without car A insurance issued LOA, shop/casa won't start any repair works for car B. you have to put pressure on its immediate release, give them a demand letter if they purposely delay the LOA issuance.
- lastly, car B driver should keep photo copied documents submitted for handy reference. don't forget also to get car A, shop/casa and insurance HP numbers for ease of communication
hth

[jeDi13]

Thanks sir Gumusut_Amige! I have follow-up questions though:

Can car B driver insist on going for the casa repair/repaint since paint color might be different if sa suking accredited car A insurance lang pupunta?

Can car B driver just go to any suking accredited car A insurance repair shop and give the police report? Or the police report should be submitted to the car A insurance?

Ahh. Medyo naintindihan ko na. For estimate lang pala muna then ifforward sa car A insurance. Then yung LOA and kailangan ni car B driver for the repair works to start.

Usually or normally, how long will it take for a car insurance to release the LOA?

[_Qwerty_]

kung magaling ang agent mo.. they can release the LOA within 2 hours.. pag babagal bagal naman.. yung iba inaabot nang 2 weeks... yung iba.. months pa..

[jeDi13]

pano po yun, TPL lang ang insurance ni car B?

[_Qwerty_]

ang may kasalanan eh si Car A.. so dapat sagot ni Car A lahat nang damage.

[Murduck]

Question mga paps... I have a 3 yr old car with insurance. I accidentally hit a cement flower box at my garage and severely damaged my rear bumper. Do i need a police report to make an insurance claim?

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[ninjababez]

Question mga paps... I have a 3 yr old car with insurance. I accidentally hit a cement flower box at my garage and severely damaged my rear bumper. Do i need a police report to make an insurance claim?

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file ka nalang affidavit dun sa insurance adjuster bro. call them and report own damage claim.

[dr. d]

Question mga paps... I have a 3 yr old car with insurance. I accidentally hit a cement flower box at my garage and severely damaged my rear bumper. Do i need a police report to make an insurance claim?

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as ninja says, "self accident" claim. just make a notarized statement to the effect.
take pictures, in case you are asked for photographs of the bumper (you) and the bumpee-victim (the flower box).

tanong mo na rin, kung puedweng mag-claim yung flower box... heh heh.

btw, may time limit yan. do it asap.

[Murduck]

*ninjababez. Affidavit of what sir?
*dr.d Buti na lang sir nabanggit mo na may time limit.
Picture na nakabangga pa din sa flower box or pulled out na?

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[dr. d]

*ninjababez. Affidavit of what sir?
*dr.d Buti na lang sir nabanggit mo na may time limit.
Picture na nakabangga pa din sa flower box or pulled out na?

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pictures ng tama sa sasakyan at ng flower box. now.
do not attempt to position it back to the time when it hit the poor flowers' home, at baka lang lumala ang sakit.

[Murduck]

Available picture ko lang is the pulled out na. Panic mode baka magalit si mother.

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[ninjababez]

*ninjababez. Affidavit of what sir?
*dr.d Buti na lang sir nabanggit mo na may time limit.
Picture na nakabangga pa din sa flower box or pulled out na?

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Call the insurance company bro. tanong mo san pwede ipasa pics ng accident, and file ng claim. Sa bpi ms kasi, pinadala sa adjuster at dun narin nag fillup ng form (affidavit). Sa akin ito una ko gawa. Took pics, called insurance company, went to casa (got an estimate), then adjuster. Not sure sa ibang insurance. bro.

Available picture ko lang is the pulled out na. Panic mode baka magalit si mother.

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Mother lily?

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[Murduck]

Will call the ucpbgen insurance.
Nope... It's mother goose..

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[kisshmet]

^thats correct, report the incident to your insurance provider (while parked unattended your car was damaged), its beyond the realm of the cops

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