Denied Insurance Claim- Help!

**novidjaff** · January 11th, 2012 04:41 PM

Just bought a tucson 2011 last nov 5 tapos binanga ako (hit and run) nung 15th nung pagbalik ko sa kotse. 2 weeks old pa lang ang kotse at halos mawreck and front side (passenger side). Sira lahat, tumupi ang hood at nadamay ang windshield. Tumawag ako sa dealer ko, agent para malaman best coarse of action. at first, sabi ng agent affidavit lang at d na kailangan police report at tutulungan nya ko gumawa. After two days, nagdecide ako ireport sa police. Nakastate sa police report na it was park including the location (I was in a birthday arrived at 10pm and when got back by 1am, the car was heavily damaged with no witness who can explain what happened). It took the insurance company 1 month bago magreply. I got a text from teh investigator about the exact location at yung taong may birthday to investigate. He had questions that I asked him to document para masagot ko in writing, I called up and followed up first week of January at sabi denied and they will file a criminal case dahil based daw sa bystanders sa area wala daw aksidente nangyari. Sobrang hasel kasi ang estimate ay 513k (Maraming nadamay na parts from radiator to electrical and compressor). Wala pa 1 month, mas malaki pa ang papagawa ko kaysa down ko sa oto thru financing. I got back with the dealer and lowered down the price to 378k na sobrang laki. Don't know what would be the next step to resolve my issue. Need your oponion on this please... thanks in advance- First time lang kasi ko magclaclaim.

Option na naisip ko is to look for a cheap casa or have it fixed outside and order parts instead but don't know any cheap talyer and reliable that can do the work. Sobrang nafrufrustrate ako. Hindi ko din alam if I will take the risk of not paying the bank kasi I paid 200k as my down and paid 22k for my first monthly and will be paying the 2nd payment next week.

**Bin Diesel** · January 11th, 2012 04:59 PM

Ang tanga naman ng insurance paano nila nasabing walang aksidente e wasak nga tucson mo. pwede mo naman sila ichallenge e ikaw magprovide ng witness mo na kasama mo sa party na pagbalik mo ng sasakyan e may bangga na.

**Retz** · January 11th, 2012 05:05 PM

Sa lakas ng tama wala man lang nakarinig sa loob ng bahay? they should be your witness.

**chua_riwap** · January 11th, 2012 05:22 PM

they will file a criminal case, with whom?
imposibleng walang nakakita nyan. sa lakas ng impact at laki ng damages, wala man lang nakapansin?
pero siguro ayaw na lang nilang madamay sa incident.

ano ba insurance mo, sir?

**Retz** · January 11th, 2012 05:25 PM

Kung ang theft nga kasama sa comprehensive insurance. Yan pa kaya.

**novidjaff** · January 11th, 2012 05:34 PM

Originally Posted by Retz

Kung ang theft nga kasama sa comprehensive insurance. Yan pa kaya.

Tama sir- comprehensive nga.

People's gen- Wala rin kami makuha na witness kasi madaling araw at sa jose abad santos kasi nangyari so madami dumadaan talaga. Stated sa letter na magfifile sile ng criminal case vs sa lahat ng involved sa pagawa ng false claim. Fraud ang reason bat dineny. D ko na alam option ko kasi wala naman ako 380k para lang magpagawa.

**robot.sonic** · January 11th, 2012 05:44 PM

hanap ka ng kaibigan mong abogado. alam na nila gagawin dyan.

**Retz** · January 11th, 2012 05:45 PM

Originally Posted by novidjaff

Tama sir- comprehensive nga.

People's gen- Wala rin kami makuha na witness kasi madaling araw at sa jose abad santos kasi nangyari so madami dumadaan talaga. Stated sa letter na magfifile sile ng criminal case vs sa lahat ng involved sa pagawa ng false claim. Fraud ang reason bat dineny. D ko na alam option ko kasi wala naman ako 380k para lang magpagawa.

ung witness ung mga kasama mo sa bahay bro.

**ocean explorer** · January 11th, 2012 05:48 PM

Matagal ang result nyan, kasi malaki ang damage, dapat kinunan mo ng picture yung sasakyan mo on the spot kung saan sya naaksedente kasama background, maaaring ayaw lang mag-salita ng mga bystanders, kasi sa akin ganyan din nangyari, nagasgasan, pero walang nagturo kung sino gumawa, 3 weeks bago inayos yung unit ko, at saka mahal talaga sa casa, 33k yung estimate nila sa damage ng unit ko, samantalang gasgas lang yon, kaso hindi pwedeng itago kasi mahaba yung gasgas then lumabas yung metal nya, pero deductible lang ang binayaran ko and the rest is insurance na... affidavit lang yung isinubmit ko sa kanila... in your case, kailangan mo ng mga witness 2 or 3 persons, then documented then yung mga sasabihin nila kasi, according to your story... they will file a criminal case... to whom? try to contact your insurance co. too, sa kanila ka mag-follow up, kasi kung dadaan ka pa sa agent, maraming inaasikaso yan, at saka gagastusan mo pa yan. Try to post your update here, para masundan din namin... makakatulong din yan sa iba...

**vinj** · January 11th, 2012 05:48 PM

If you got your insurance through your dealer, they should be able to help you with this as they have a coordinator for this usually.

Secondly, bring the case up with your lawyer. The insurance company is finding ways to brush off your claim given that there is no proof to support your affidavit/claim (no pictures, traffic/police report or blotter, witnesses, etc.).