11 Month old Car - Major Insurance Claim - Some Guidance Please?

[servantguy]

Hi folks,

Been a while since I've been here, I hope everyone is doing well!

In any case, not so good news. I've tried to comb through the insurance postings but I'm having trouble finding parallels to my current situation. So I submit my query to the tribe: some guidance please? This will be my first insurance claim if ever, and I'm not really sure how to proceed for the best possible outcome.

My baby (a '17 Toyota Fort 2.4 V) is about to hit 1 year in 2 weeks, but unfortunately she got into her biggest accident yet before her birthday. Here are the details:

1) Naga City area / highway driving
2) I wasn't driving - someone else unrelated to me was. I wasn't even there (I'm overseas presently).
3) I'm told that a car headed the opposite way on the highway veered out of lane. The driver of my baby tried to avoid said car but overreacted, scraping the entire right side of the vehicle, from foglight all the way through the rear quarter panel. Said car didn't stop, so we have no idea who this person is.

4) Key damage points:

a) Lost fog light and front grille elements, including the license plate
b) Scraped R passenger side fender
c) Smashed passenger side rear view mirror/side mirror
d) Shattered passenger side window - it's completely gone
e) crumpled right side door panels, both front and rear
f) crumpled right side rear quarter panel


5) I have UCPB Gen insurance, comprehensive.
6) I'm about to have my baby estimated at the Toyota CASA for repairs

I don't know whether the circumstances of the incident limit my recourse in terms of insurance, but could the wise minds of the Tsikot community give me some insight on what my options are please?

I appreciate the help; I have no clue how the claims process works in Manila, sadly. Thank you in advance.

[ninjababez]

^may police report ba?
maayos naman kausap ucpb gen, mas mabilis pa vs bpi MS; though OK din naman ang bps in my experience, medyo mabagal lang.

[dr. d]

just make an affidavit, declaring it as "self-accident", in the hands of an authorized driver, incurred while avoiding a wayward vehicle.

[Walter]

Make sure the insurance payments are up to date ... File the claim ASAP ...

[sirkosero]

Agree on this. Make sure you emphasize the "authorized" driver part.

Kung ilagay mo yung "unrelated" driver part sa affidavit mo, malamang ideny pa yung claim

just make an affidavit, declaring it as "self-accident", in the hands of an authorized driver, incurred while avoiding a wayward vehicle.

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[maxpedition]

Just bring your car to your dealer then they assess the damages after that they require police report, affidavit and your updated insurance policy. If they have all replacement parts available thats great if not you gonna wait for a month for it.

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[papi smith]

There should be no problem in terms of making a claim in this situation.

As Dr. D said, an affidavit will do.

As Walter said, insurance payments should be updated, if these are in installments, the entire balance is due and demandable, so simply settling it is good.

Then do what Maxp says, then sit back and relax

[baludoy]

And make sure the driver's license of the driver is current. Otherwise problema yan at denied agad

do what you gotta do so you can do what you wanna do

[cast_no_shadow]

File agad or notify the insurance.

May experience ako with UCPB Gen, denied claim ko due to late reporting.

Honest mistake on my part, hindi ko alam yung policy na yun. Pag binasa mo policy wala din ganun stipulated.

General rule daw kasi yun across all (can anyone attest?)

Minor claim lang so nilet go ko na lang.

Oo notarised affidavit will do. I do hope may valid DL si authorized driver mo.

Baon ng mahabang pasensiya, may paperworks yan then issue si insurance ng LOA. Sana magkasundo agad sila sa estimates, minsan kasi yun ang nakakatagal.

To add if may parts na papalitan then yung pila sa loob ng casa for repairs.


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[papi smith]

Sana magkasundo agad sila sa estimates, minsan kasi yun ang nakakatagal.

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Maybe you should ask UCPB if the casa is "accredited". well, all casa's are qualified under the policy, but in my experience, there are casa's which already have agreed rates with certain insurers. I noticed in my LOA, that the estimates were scaled down and that there were standard discounts on parts deducted, the SA took a quick look at it and asked me, kelan nyo ho ipapasok?

[Janemar]

Check with toyota casa for cost estimate of repair.

If "near" na sa declared market value, I'll haggle with insurance at baka pede bigyan ka na lang cash and declare it as totalled.

It's just me, I don't like repaired cars na kasi especially if bago pa.

Good luck!

[ChoyJo]

Check with toyota casa for cost estimate of repair.

If "near" na sa declared market value, I'll haggle with insurance at baka pede bigyan ka na lang cash and declare it as totalled.

It's just me, I don't like repaired cars na kasi especially if bago pa.

Good luck!

Oo nga tapos bili ka bago.. Tapos ang pagbayarin mo yung driver ng sasakyan mo nung naaksidente..

[sirkosero]

Oo nga tapos bili ka bago.. Tapos ang pagbayarin mo yung driver ng sasakyan mo nung naaksidente..

Parang ginusto nung driver mabangga

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[servantguy]

Thank you all! The impression I'm getting is that, with the affidavit indicating an authorized driver, and with reporting in a timely manner, I'll be able to file this claim via UCPB. Since the incident happened in Naga, and the vehicle and driver are already in Manila, will the absence of a police report affect things? How does one address that if so?

And another note. The driver is US-licensed, and is a US Citizen. She does not have a Philippine license. Will that alter things?

I really appreciate your help! I was thinking this was an impossible situation.

[Walter]

It's either an affidavit or a police report ... driver having a US license would complicate things a little ...

[cast_no_shadow]

It's either an affidavit or a police report ... driver having a US license would complicate things a little ...

About to pinpoint also the affidavit, may experience ako before insurance insisted for a police report (car was totaled)

Just included in the affidavit na it is 3am, no other party was involved kaya I decided na hindi na kumuha ng police report.

Another thing yung driver ni TS I think it will complicate things nga.



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[baludoy]

Thank you all! The impression I'm getting is that, with the affidavit indicating an authorized driver, and with reporting in a timely manner, I'll be able to file this claim via UCPB. Since the incident happened in Naga, and the vehicle and driver are already in Manila, will the absence of a police report affect things? How does one address that if so?

And another note. The driver is US-licensed, and is a US Citizen. She does not have a Philippine license. Will that alter things?

I really appreciate your help! I was thinking this was an impossible situation.

it shouldn't be a problem. a similar thing happened to our suv when it was sipeswiped by a truck on its way back to manila from matnog, sorosogon in bicolandia. at the time it was being driven by our family driver w/ no family member on board. to cut a long story short, manong wasn't able to file a police report because he was scared being alone in a strange isolated mountainous highway in the dead of night w/ no one in sight.

upon informing the insurance company what transpired, the insurers just told us to produce an affidavit, e-mail it to them together w/ the soft copy of the vehicle's or/cr, current lto registration receipt, and the driver's driver's license and that was pretty much it.

as for the american license, i'm not sure but if it's proven to be authentic naman , i don't think it will be too much of a hindrance.

and if you got the insurance from an insurance agent, let her/him do the work of coordinating everything. that's what i did hehe

[TholitzReloaded]

Call your insurance agent or your casa, take pictures of the damage, create an affidavit of accident have it notarized, request for an estimate from the casa, submit other documents such as licence, OR/CR then email it to your insurance or insurance agent. They will request to have it inspected by their authorized adjuster, wait for the LOA. that's it.

[Bravoexo]

And another note. The driver is US-licensed, and is a US Citizen. She does not have a Philippine license. Will that alter things?

She has to have arrived in the country within 90 days of the accident. ** per searching

[Janemar]

She has to have arrived in the country within 90 days of the accident. ** per searching

My friend in LTO says limit is only 1month upon date of arrival in Passport. Beyond that, He/She is technically driving with invalid license.

Then, you have to apply for international drivers license na sa AAP in Erod. QC to drive in PH.

It's around 4k pesos ata, then valid sya for 1 year. I used this when I drove in Japan for the mario kart.. LOL.