Do not purchase any insurance from PEOPLE'S GENERAL INSURANCE!!!

[noreen]

Hi. I just like to know what happened to your claim, did they eventually pay you off? Im in the same situation as you are and it is since september this year and they are giving me a hardtime

[erick_214]

Hi. I just like to know what happened to your claim, did they eventually pay you off? Im in the same situation as you are and it is since september this year and they are giving me a hardtime

Naku! Huwag ka nang umasa sa hinayupak na People's General Insurance na yan! Pababalik balikin ka lang sa opisina nila. I would suggest Malayan Insurance dahil OK silang kausap. Yang People's na yan bwisit talaga yan, nandyan lang sila para magnegosyo at kumita ng malaki...!

[Louie Anson Ng]

Naku! Huwag ka nang umasa sa hinayupak na People's General Insurance na yan! Pababalik balikin ka lang sa opisina nila. I would suggest Malayan Insurance dahil OK silang kausap. Yang People's na yan bwisit talaga yan, nandyan lang sila para magnegosyo at kumita ng malaki...!

yung fiesta namin napagawa naman namin without having to go to their office. bulok nga lang kasi ford kaya di pantay pagpintura

[swiTsuplada]

This is the first time I've had an accident and sad to say nakasanggi ako ng matanda. Ina-assist namin, napagamot ko na at tatanggalin na lang 'yung cast sa kamay e humihingi pa ng pera yung apo bilang danyos. Although naiintindihan kong naabala ko sila, but I think what they're asking from me is too much considering napagamot ko naman. They wanted 15T from me bilang tulong na lang daw. I offered them 3-5T pero ayaw. Ang sabi ni PG hayaan ko na lang daw magdemanda at saka namin sagutin.

Nagdemanda ng reckless imprudence kaso twice naman di dumating yung nag-file ng complain. Si People's Gen pinapunta ng Fiscal dahil insured naman daw kami at kung may CTPL kami dun daw papasok yung hinihinging 15T. How true is it? Kasi yung senior adjuster ng People na si Arnold Gorgon e todo tanggi na labas daw ang PG sa hinihinging danyos. In fact, nagka-badtrip'an pa kami dahil me kayabangan din 'tong taong 'to when he said na "hindi naman kami dapat mag-appear pa dito pero nagpunta pa din ako."

It was the Fiscal who asked for their participation at isa pa, para saan ang kinuha naming insurance kung wala namang suporta? Ito ako ngayon nakademanda after kong tuparin ang part ko as nakasanggi dun sa tao pero iiwan din pala ako sa ere ng insurance na 'to?

Enlighten me mga members. I'm really lost.

[sheinagales]

They just denied my claim on personal accident after they had me waiting for 1.5 months. pinaasa then boom! claim denied due to unauthorised repair. for 3 yrs being with this insurance company and 1st claim is denied...will never again trust them. just got the issue presented to a lawyer for legal advise. hopefully we can reimburse the expenses we shell out for the repair of our car.

[Yuki13]

They just denied my claim on personal accident after they had me waiting for 1.5 months. pinaasa then boom! claim denied due to unauthorised repair. for 3 yrs being with this insurance company and 1st claim is denied...will never again trust them. just got the issue presented to a lawyer for legal advise. hopefully we can reimburse the expenses we shell out for the repair of our car.

And that unauthorized repair is?

What does the policy say? Are you allowed to have the car repaired without the go signal from the insurance?

[sheinagales]

And that unauthorized repair is?

What does the policy say? Are you allowed to have the car repaired without the go signal from the insurance?

This is what I have in Section III - LOSS OR DAMAGE

5. The Insured may authorize the repair of the Scheduled Vehicle necessitated by damage for which the Company may be liable under this Policy, provided that -
(a) The estimated cost of such repair does not exceed the Authorized Repair Limit and;
(b) A detailed estimate of the cost is forwarded to the Company without delay.
-------------
(a) estimate which amounts to Php 34,xxx within the 100k limit of the policy. The casa estimate was around Php60k
(b) which was provided Jan. 19th, 6 days after the accident.


Bottom line, they did a very excellent job of giving hope that the claim will be approve. Anyways, total waste of time and effort. Will work on getting another insurance company instead.

[_Cathy_]

That's the in house insurance I got from Toyota last year! Thank god I had no claims!

[dr. d]

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That's the in house insurance I got from Toyota last year! Thank god I had no claims!

well, i did. and i had no problems claiming..

[Flip]

^ how much claim niyo sir? Curious lang, baka depende sa amount pag maliit claim grant sila kaagad pero pag malaki paikot or deny. In my case, i was the third party and nasa 30k claim ko, dont know how much sa insured nila. Sa tagal, I opted to go after the insured directly. Kakasuhan ko na sana ng reckless impotence buti nag bayad naman. Hehe

Yung pag complain naman administratively afaik hanggang mediation lang, pag di nagka sundo court litigation pa rin bagsak kaya feeling ko din waste of time. I think government agencies do not really care much for our individual woes sa pag claim and unless siguro the complaints are indicative of the overall business or financial standing ng insurance company, passive lang magiging response sa concerns natin

[Glock26]

Usually pag maliit ang claim nase-settle. But in total loss or carnap case, problem arises.

[machine.pistol]

Apologies to people who work for insurance companies. There are reputable insurance companies as there are scam bugs.

I ensured my house and improvements against risk of fire and allied perils. I made a claim on damage due to flooding. The adjuster came to assess. The next thing I learned the insurance approved my claim in an amount that, after subtracting the deductibles, I would receive zero. And it was an insurance company owned by Ayala.

I know of several project owners who got their contractors performance bonds from this well-known insurance and surety company. These owners now have pending cases against this company because it simply refuses to honor claims arising from failure of the contractor to finish the projects. Kailan kaya maba-blacklist ito?

That's the problem with our government agencies that are tasked to regulate these companies. SEC is a failure in regulating pre-need companies. Insurance Commission is also a failure. So is the NTC over mobile telecom firms.

Consumer rights are just inexistent here.

[dr. d]

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Apologies to people who work for insurance companies. There are reputable insurance companies as there are scam bugs.

I ensured my house and improvements against risk of fire and allied perils. I made a claim on damage due to flooding. The adjuster came to assess. The next thing I learned the insurance approved my claim in an amount that, after subtracting the deductibles, I would receive zero. And it was an insurance company owned by Ayala.

I know of several project owners who got their contractors performance bonds from this well-known insurance and surety company. These owners now have pending cases against this company because it simply refuses to honor claims arising from failure of the contractor to finish the projects. Kailan kaya maba-blacklist ito?

That's the problem with our government agencies that are tasked to regulate these companies. SEC is a failure in regulating pre-need companies. Insurance Commission is also a failure. So is the NTC over mobile telecom firms.

Consumer rights are just inexistent here.

errr... did you complain to the proper agency?

[Flip]

Di lang dont purchase, also be on guard pag na disgrasya kayo ng ibang tao na ito insurance nila. Wag na umasa na maging smooth compensation niyo gamit yang insurance. Better insist some other or at least have a back up arrangement. I think na share ko na sa ibang thread, na ayaw umorder ng piyesa ng casa nung nag papa repair ako nung malaman na peoples insurance ginamit. Sabi ko na lang, wow ganoon ka sama reputation nito pati sa casa

[machine.pistol]

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errr... did you complain to the proper agency?

I wanted to. But I did not pursue it. Believe me, it would have been a waste of time and effort.

[RomeoAlpha]

Apologies to people who work for insurance companies. There are reputable insurance companies as there are scam bugs.

I ensured my house and improvements against risk of fire and allied perils. I made a claim on damage due to flooding. The adjuster came to assess. The next thing I learned the insurance approved my claim in an amount that, after subtracting the deductibles, I would receive zero. And it was an insurance company owned by Ayala.

I know of several project owners who got their contractors performance bonds from this well-known insurance and surety company. These owners now have pending cases against this company because it simply refuses to honor claims arising from failure of the contractor to finish the projects. Kailan kaya maba-blacklist ito?

That's the problem with our government agencies that are tasked to regulate these companies. SEC is a failure in regulating pre-need companies. Insurance Commission is also a failure. So is the NTC over mobile telecom firms.

Consumer rights are just inexistent here.

Make an appeal, normally sa ganyan naisasama ng insurer ung hindi dapat isama.

Noong inunsure namin ung project namin sa marikina - mura nga pero mas mapapamura ka sa cost paghiwahiwalay.

For example: kasama sa fire insurance ang pundasyon na hindi naman inaabot ng sunog (again another portion sa deductible) and you can ignore it at bawas pa sa premium. Kasama pa ung STP, kasama pati water tank. So in all added cost and deuctible yun na imposible namang masunog.

Pagkumuha kayo insurance basahin niyo lahat ng inclusions, mas maigi kung ibreakdown ang cost ng magkakasama at hindi kasama.

[prince777]

I am with PGI for the past 4years and had 3 claims with an average of 100K. Max days processing was around 7wks including repairs. PGI is DMVV's in-house insurance by the way, where all my repairs was done.

[Drivesafe]

Nakakatulong kapag bank financed ang kotse kasi kapag may claims pwedeng makatulong ang bank kasi in the first place the encumbered car remains their property until fully paid, so it's to their best interest to have the car repaired asap.

[erick_214]

Biktima rin ako ng insurance na yan 7 years ago. Nung mag cclaim ako ang galing nilang magdahilan na kesyo for processing pa, grabe after 3 months ssbihin na hindi pwdng mag claim at kung anu ano pa. Parang na train silang mag deny ng claims eh, ang ggaling magsalita. Hirap pa pumunta sa main office nila sa Manila at wala pang maparadahan. Buti pa sa Malayan ang ayus ayos kausap ng mga tao dun.

[_Cathy_]

Saan ba Malayan? Mukhang yan ang maraming positive feedback.