Comprehensive insurance...Is it really worth it?

[shadow]

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?

Bayaran niya lahat then let his isnrusjce handle the rest. Problema na Nila yun.


Sent from my iPhone using Tapatalk

[shadow]

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.

Hinde ako papayag sa ganyan. Mag claim ako sa sarili king insurance and with that I’ll pay my own participation fee and bahala na sila kung habulin Nila or not.

Kaya ka nga kuha ng compre para wala na usual-usap, whether it’s your fault or not.

I’m not gonna go out of my way para para mag claim as hit and run.


Sent from my iPhone using Tapatalk

[_Qwerty_]

you will still claim it sa insurance mo..

kaya ganyan para makakuha ka nang pambayad sa participation na hindi maghahabol ang insurance.

Hinde ako papayag sa ganyan. Mag claim ako sa sarili king insurance and with that I’ll pay my own participation fee and bahala na sila kung habulin Nila or not.

Kaya ka nga kuha ng compre para wala na usual-usap, whether it’s your fault or not.

I’m not gonna go out of my way para para mag claim as hit and run.


Sent from my iPhone using Tapatalk

[shadow]

you will still claim it sa insurance mo..

kaya ganyan para makakuha ka nang pambayad sa participation na hindi maghahabol ang insurance.

I know…my point is hinde niya responsibility na bayaran yun participation mo. Kotse mo baka insured so ikaw talaga dapat magbayad nin dahil mag claim ka.

Hinde ako mag gawa ng false claim sa insurance ko para lang makakuha ng pambayad sa participation. Alam naman natin na kung sino naka insured siya magbabayad whether fault mo or hinde accident.

Basta for me, ayaw ko na makipagusap sa kabilang party. I’ll get the police report plus yun copy ng DL, OR/CR niya then that’s it. I’ll submit sa insurance ko, pay for my participation pagawa then bahala na insurance kung habulin or not.

Sent from my iPhone using Tapatalk

[_Qwerty_]

pero kung ikaw binangga? diba dapat sagutin nya yung damage? pano kung wala kang insurance? diba dapat sagot nya yung repairs? pano yung abala na ginawa nya? kung 1 month wala kang ride diba dapat magbayad sya?

i'm just saying that's a way to go around that rule na wag hihingi don sa nakabangga sayo kasi madedeny ang claim mo pag nalaman nang insurance..

I know…my point is hinde niya responsibility na bayaran yun participation mo. Kotse mo baka insured so ikaw talaga dapat magbayad nin dahil mag claim ka.

Hinde ako mag gawa ng false claim sa insurance ko para lang makakuha ng pambayad sa participation. Alam naman natin na kung sino naka insured siya magbabayad whether fault mo or hinde accident.


Sent from my iPhone using Tapatalk

[shadow]

pero kung ikaw binangga? diba dapat sagutin nya yung damage? pano kung wala kang insurance? diba dapat sagot nya yung repairs? pano yung abala na ginawa nya? kung 1 month wala kang ride diba dapat magbayad sya?

i'm just saying that's a way to go around that rule na wag hihingi don sa nakabangga sayo kasi madedeny ang claim mo pag nalaman nang insurance..

Iba usapan kung wala ka insurance, kung siya meron eh di mag claim sa insurance niya and siya rin magbayad ng participation para bayaran ako ng insurance niya for repairs.

but I won’t be driving around without comprehensive insurance in crazy Manila roads.

Sa abala, I don’t know how to compensate diyan. Both of you naabala, wala may gusto ng accident. Labas na insurance diyan, kung willing magbigay then good pag hinde, hinde mo din naman pwedeng pilitin

I know yun gusto mo, na style na yun other party magbayad ng participation then claim as hit and run. What I’m saying I wouldn’t do that, Bakit ko gagawin yun eh alam ko naman ako dapat talaga Ang maganbayad ng participation once mag claim ka. Magkano lang ba participation ngayon?

Pag mga public drivers, paano mo mapipilit bayaran ka ng ₱10k?

So for me either public driver or private same lang sila basta I’ll claim sa insurance ko kasalanan ko or hinde.


Sent from my iPhone using Tapatalk

[papi smith]

Case to case basis, kung wife ko ang binangga, I tell her to do what shadow says, iwanan mo sya, bahala sya sa buhay nya. Pero kung ako binangga, anak ng fuschia, I won't let him go off the hook that easily, hihingan ko sya ng participation and do what Qwerty says. 2 lang naman yan, magbigay sya or not, but he will never give if you don't ask him. Kung matigas talaga, edi iwanan ko sya.

[shadow]

Isa pa paano kung gabi or madaling araw nangyari accident tapos hinde kukuha ng report dahil babayaran na lang niya participation fee let’s say usapan magkita na lang kayo next day. Eh kung hinde na sumipot or delay ng delay ayaw magbayad hinde na sumugod sa usapan or hulugan? Hinde na.

Police report right there and then. Copy ng OR/CR, DL niya, pictures ng accident then bahala na siya kung ano gusto niya gawin basta ako mag claim.


Sent from my iPhone using Tapatalk

[shadow]

Case to case basis, kung wife ko ang binangga, I tell her to do what shadow says, iwanan mo sya, bahala sya sa buhay nya. Pero kung ako binangga, anak ng fuschia, I won't let him go off the hook that easily, hihingan ko sya ng participation and do what Qwerty says. 2 lang naman yan, magbigay sya or not, but he will never give if you don't ask him. Kung matigas talaga, edi iwanan ko sya.

But my point is I won’t do a false claim sa insurance ko dahil binayaran ng other party yun participation fee ko.

Pero you still need to have the police report and copy of all his documents para maiwan mo siya kung ayaw niya mag bigay.

Kaya ayaw ko nga ganyan madami ng factors eh. Basta since insured naman saksayan mo, I’ll always have the incident reported para meron record and have all his documents naka submit rin sa traffic office.


Sent from my iPhone using Tapatalk

[sean-archer]

Both of you guys have good points. Kaso sa case nung kaibigan ko nuon, umabot 50k ang ishell-out nya for the participation(deductible plus deprciation fees) kaya talagang kailangan pabayarin Yung nakabangga.

I heard also na after the repair, pag maghahabol na ang insurance mo dun sa nakabangga sayo, kasama sa hahabulin ng insurance (aside from the actual repair expenses) ay Yung participation fee mo na eventually refundable daw sa insured? How true is this? Meron na naka experience ng ganito?