Comprehensive insurance...Is it really worth it?

**ice15** · January 12th, 2023 06:17 PM

Originally Posted by sean-archer

Question, if Yung nakabangga sayo ay walang insurance, and you have yours. Papayag ka ba na ipagamit mo ang insurance mo to fix your own vehicle?

Is there any repercussion? Ano disadvantage?

someone will have to pay the premium...

kung ayaw nya magbayad. yun magiging start ng problems mo.

nabangga ako last year ng motorcycle sa C5. kahit ibenta ko motor nya, kulang pa pambayad sa premium ng insurance ko. in the end, ako na nagbayad ng premium para lang matapos na car ko. basta usapan namin nung nakabangga sa akin... di sya maghahabol sa akin and sya na bahala magpagamot sa sarili nya (signed affidavits sa harap ng police)

**dr. d** · January 12th, 2023 06:25 PM

Originally Posted by ice15

someone will have to pay the premium...

kung ayaw nya magbayad. yun magiging start ng problems mo.

nabangga ako last year ng motorcycle sa C5. kahit ibenta ko motor nya, kulang pa pambayad sa premium ng insurance ko. in the end, ako na nagbayad ng premium para lang matapos na car ko. basta usapan namin nung nakabangga sa akin... di sya maghahabol sa akin and sya na bahala magpagamot sa sarili nya (signed affidavits sa harap ng police)

you will have to pay the full premium amount anyway, by the end of the year, whether you get into an accident or not.
getting into an accident merely accelerates your payment dues.

the insurance provider does not care, where the premium payment money is coming from.

**sean-archer** · January 13th, 2023 08:36 AM

Thanks for the info. I understand Yung sinasabi nyo na wag pa "areglo", or the other party magbabayad ng premium and participation fees, sa insurance ko.

I recall there was this accident ng friend ko, na ang total ng participation fees, premium, Depreciation fees is around 50k sa insurance nya before Nila irepair. Yung nakabangga naman is wala insurance. Sa cases na ganito, ano magandang gawin?

**boybi** · January 13th, 2023 09:08 AM

Originally Posted by ice15

someone will have to pay the premium...

kung ayaw nya magbayad. yun magiging start ng problems mo.

nabangga ako last year ng motorcycle sa C5. kahit ibenta ko motor nya, kulang pa pambayad sa premium ng insurance ko. in the end, ako na nagbayad ng premium para lang matapos na car ko. basta usapan namin nung nakabangga sa akin... di sya maghahabol sa akin and sya na bahala magpagamot sa sarili nya (signed affidavits sa harap ng police)

Baka you’re referring to the participation fee.

**boybi** · January 13th, 2023 09:09 AM

Originally Posted by sean-archer

Thanks for the info. I understand Yung sinasabi nyo na wag pa "areglo", or the other party magbabayad ng premium and participation fees, sa insurance ko.

I recall there was this accident ng friend ko, na ang total ng participation fees, premium, Depreciation fees is around 50k sa insurance nya before Nila irepair. Yung nakabangga naman is wala insurance. Sa cases na ganito, ano magandang gawin?

Wala ka naman magagawa if wala talaga pambayad yung nakabangga. Kaya meron comprehensive insurance para mabawasan gastos mo. It’s part of owning a car.

**ice15** · January 13th, 2023 09:19 AM

Originally Posted by boybi

Baka you’re referring to the participation fee.

oo nga pala. sorry. for renewal na kasi insurance ng car and motorcycle ko kaya lahat ng kausap ko, "premium" ang ginagamit.

participation fee is the correct term...

**_Qwerty_** · January 13th, 2023 09:29 AM

pwede mo pabayaran sa nakabangga.. like hingan mo 10T depende sa damage tapos na usapan nyo.. then claim it as hit and run..

**ice15** · January 13th, 2023 09:56 AM

Originally Posted by _Qwerty_

pwede mo pabayaran sa nakabangga.. like hingan mo 10T depende sa damage tapos na usapan nyo.. then claim it as hit and run..

no need to claim it as hit and run. may police report ka naman.

in my case, casa ko na rin binayaran yung participation.

**shadow** · January 13th, 2023 10:07 AM

Originally Posted by _Qwerty_

pwede mo pabayaran sa nakabangga.. like hingan mo 10T depende sa damage tapos na usapan nyo.. then claim it as hit and run..

Why would I do that? I’ll pay my own participation then bahala na insurance sa nakabangga, Besides kotse ko Ang naka insured and so ako dapat magbayad ng participation fee since I’m claiming against my insurance.

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**_Qwerty_** · January 13th, 2023 10:08 AM

hindi pwedeng police report kasi lalagay don yung other party.. pag ganon you can not ask for money..

kaya hit and run para affidavit of accident lang and hindi lalabas yung name / plate nung other party.. so kahit humingi ka nang money for damages, they wont be able to trace it.

Originally Posted by ice15

no need to claim it as hit and run. may police report ka naman.

in my case, casa ko na rin binayaran yung participation.