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

[TholitzReloaded]

araw araw ko na lang kinukulit ang ahente nasa accounting na raw iyong LOA. Bossing Tholitz kumusta na iyong claim mo sa kanila?

April 18 : nangyari yung accident.
April 19: nakuha yung police report.
April 20: naisubmit ko sa Isuzu Pasig lahat ng requirements, policy, police report, or ng policy, OR/CR. Nainspect din ng service advisor kung anong gagawin pero wala pang nagawang Repair Estimate
April 23: afternoon nakuha yung LOA.

Yung experience ko with the Isuzu Casa ibang story naman yun which i posted in Isuzu forum. So far naging okay naman ung experience with Peoples General.

[nanus_babe]

*rackhound, any update with your claim? Ako rin, more than 3 months na, wala pa ring update. pag nag-follow-up ako sa Tomas Morato branch nila, madalas naka-vacation leave pa yung agent....

[nervenllarena]

[quote=amorhiezl;1486566]

Just want to share you my bad experience with People's General Insurace for my claims.
I purchased Altis 1.6G at Toyota Cabanatuan with in house People's General Insurace last October 2009. I have an agreement with the insurance company to settle my balance within 90days. January 9, 2010 I fully paid my insurance. I had an accident last March 12, 2010 and thinking of claiming on my insurance company. April 10, 2010 I went to Toyota Alabang to have my car repaired and process my claims.
I was able to submit all the requirements on April 14, 2010 to the insurance coordinator of Toyota Alabang and told me that she will inform me if my claims were already approved by Peoples's General Insurance.
I waited 2 weeks for approval, but thay have no updates. I went to Toyota Alabang to followup and they assisted me to talk to an insurance coordinator of People's General and they told me that I still have balance to pay(WTF!! I already fully paid my balance since January 9 and that time is already the month of April). I told them that I already fully paid my insurance, still they insisted that I still have a balance.. I just went home.. Again the following week I wen to Toyota Alabang and call People's General main office. They told me na "Sir naka hold pa yung approval kasi may balance pa kayo"(**** talaga!! hindi pa nila na update yung account ko!!). Yesterday 11AM May 20, 2010 I went again to Toyota Alabang and they assisted me to talk to People's General. Approved na daw e-fax na daw sa Toyota Alabang. I waited until 2PM but they were still not able to fax my approval. Tinawagan ko ulit sila ng 3PM at kinausap ko(galit na galit na talaga ako!! sabi ko hindi ako aalis dito sa Toyota Alabang hangang hindi nyo nai-fax yung approval ko!!). After 1 minute na fax yung approval ko!! Grabe!! kailangan pa bang magalit ang customer bago nila gawin yung trabaho nila?

I waited 5 weeks for my insurance claim approval and waited 4hours just to fax my approval!! After reading my bad experience at People's General Insurance, would you still get your car an insurance from them? It's up to you guys. Just sharing my experience!! I already made my decision, I will never get an insurance from them again![/quote

mabilis na po yang 5weeks sir, at least nakapagclaims po tayo, me processing po kasi talaga.. at ang importante, hndi po sila fly by night insurance, nagbabayad pa rin po sila di ba? ANg madalas po kasi problema jan, yung mga dealers po hndi nila agad binabayad yung payment natin sa insur.co. kaya mas maganda po direkta nyo na po ang bayad nyo sa insur. Hndi lang po masabi ng peoples sa mga client yun dahil masisira ang Dealers.ayaw po nilang manira at saka po di baleng sila ang maging kawawa sa mga client...kung alam nyo lang po ang ginagawang kabutihan ng meari ng peoples sa mga taong mahihirap at mesakit, matulungin po sila at makaDiyos.I can prove it to you..thanx God bless...

langya 5 weeks pala mabilis na sa People yung insurance ko wala pang 5 days approve na yan ang mabilis Own Damage pa yung claim ko

[TholitzReloaded]

[quote=nervenllarena;1535291]

langya 5 weeks pala mabilis na sa People yung insurance ko wala pang 5 days approve na yan ang mabilis Own Damage pa yung claim ko

Even though my experience with Peoples was not bad at all but upon reading this I changed my Insurance to Federal Phoenix.

[migs267]

Please pardon my stupidity.. what is LOA? I also have a claim in my insurance (Pioneer) for OD bumper. I have submitted the requirements a week ago including the casa estimate.

Normally, how many days does it take for the insurance to review and approve the claim??

[tc327]

Please pardon my stupidity.. what does LOA means? I also have a claim in my insurance (Pioneer) for OD bumper. I have submitted the requirements a week ago including the casa estimate.

Normally, how many days does it take for the insurance to review and approve the claim??

meaning L-etter O-f A-pproval i think if im not mistaken me too nagclaim din sa insurance (Malayan) it takes LOA for 3 days recieve na ng casa, natagalan lang sa piyesa almost three weeks bago napalitan ang buong bumper sasakyan ko (Strada) oh btw kasi sa Manila pa manggagaling ang LOA kasi sa Mindanao pa ako cheeers

[mark_t]

Well, if 5 weeks is fast for you, I WOULD NEVER buy an insurance from People's General.

In my experience in driving, I already ha my own share of accidents -- two to boot. I got reared. The first one, warak hanggang trunk lid . The scond one was a minor bumber repair.

In both cases, I got an LOA in 3 days MAX! Company's were Premiere and Fortune Insurance.

Currently with "Zurich" Insurance. Don;t know how fast they are but I do hope they don't take 5 weeks ;).

Anyways, ayos tong thread na ito ha, meron ding mga defenders. Mga joined date June (2010) and first post is to defend the insurance company. No offense ha, I prolly would do the same thing if I'm a broker... 'probably' .

Sorry but I have a case here in my table of a burned Pajero (april incident)
The insurer is Fortune General, it is now Aug. 15 2010 and still no LOA.
I asked around (I happened to ask a agent of Peoples and his reply is_

"Panahon pa ni Marcos hindi na nagbabayad yan."

I believed him.

[leonleon]

Sorry but I have a case here in my table of a burned Pajero (april incident)
The insurer is Fortune General, it is now Aug. 15 2010 and still no LOA.
I asked around (I happened to ask a agent of Peoples and his reply is_

"Panahon pa ni Marcos hindi na nagbabayad yan."

I believed him.

If that is true, then INUTIL ang Insurance Commission natin. If the Insurance Commission is even 1/2 effective, dapat matagal na napatigil ang operasyon ng Fortune General na yan.

[leonleon]

I've had my vehicles insured with People's Gen from 2004 to 2008. Sa awa ng diyos, back then, nung maaksidente yung 1 sasakyan, naka claim naman ako. That was the only time I made a claim with them.

Pero mismo yung agent namin ang nagsabi na huwag na kami mag -renew sa People's Gen come renewal 2009. Hirap na daw mag-claim. This was corroborated by another insurance agent who adviced me to steer away from People's Gen -- dami na daw naiipit sa mga claims. And this was even before ONDOY happened.

IMO, pana-panahon lang naman yan. I guess People's Gen was OK when it was starting. But who knows how it was (mis)-managed in the following years?

Lahat namang ng insurance providers may horror stories kang maririnig. No exceptions.

Kaya pag dating sa insurance, we should keep our eyes and ears open para we can pick the better insurance agency to put our money into.

[derf8666]

People's Gen have always had their share of bad reputation, along with a host of few other insurance providers. But I agree with you Sir Leon that every company has their share of horror stories. There are companies that are really very "choosy" in paying their claims. They really have every intention of delaying the claim and looking for even the minutest loopholes to justify denying the claim. But there are indeed some caused simply by some misunderstandings and technicalities that sometimes the Insured do not understand. Also new managers, new staff, new procedures plus adverse claim history can change a company's outlook in claims. From very lenient one year then suddenly hihigpitan ka the next. Pana-panahon nga lang. It's also up to the insured to know his rights. And never be afraid to ask..

[marcusfilter]

guys,

Question...My car was carnapped last Feb 2010. Peoples Gen din ang insurance ko...nagtagal lang ang papers HPG...but with them 6weeks ata for claim

rcvd a call na ready na yung cheque but depreciated na sya

pag brand new car ba kahit 3 months pa lang may depreciation agad?ang sabi kasi nila nung kukunin ko pa lang sila as insurance is whole amount daw ng car less yung participation na 3500 pesos...

644k yung cheque na ibibigay pero pede daw mag complaint? any comments

thanks

[james00112233]

*marcusfilter

paglabas pa lang sa casa ng brand new car mo eh depreciated na yan. nakalagay din sa insurance mo kung magkano yung coverage ng car mo.

[marcusfilter]

ang sabi kasi ng agent before ko kinuha yung insurance is 100% ng policy...and nag depreciate daw yon after a year pa...

[mark_t]

ang sabi kasi ng agent before ko kinuha yung insurance is 100% ng policy...and nag depreciate daw yon after a year pa...

Niloloko ka siguro ng Peoples.
Ganoon ka simple yon. Sabihin mo basahin nila sa iyo contract
regarding the maximum payable amount.

Dahan dahan mo ipa basa sa kanila dahil hindi mo dala salamin mo.
Sila gumawa ng contract diba?

[enujigop]

shinji what's the office address of this Peoples General Insurance?

[copyman]

avoid by all means people's general insurance. maski freebie opt for another insurance company.

[jasperalegado]

Mga kababayan, unang una ang mga Agents is not an employee of any insurance company.. what the agents want is commission frankly speaking...
any person can be an agent, kapag ang Agent hindi maka kuha ng mataas na commission para sa kanila pangit ang insurance company kaya magsabi sili na pangit.

Kapag may problema ka sa claims punta ka sa insurance commission. Patunayan mo na completo ka sa dokomento, importante may official receipt ka at policy.... At para sayo nag gawa ng forum na ito patunayan mo na sa Peoples ka naka insured, paki post ng policy documents mo at official receipt mo.....

[derf8666]

Mga kababayan, unang una ang mga Agents is not an employee of any insurance company.. what the agents want is commission frankly speaking...
any person can be an agent, kapag ang Agent hindi maka kuha ng mataas na commission para sa kanila pangit ang insurance company kaya magsabi sili na pangit.

Kapag may problema ka sa claims punta ka sa insurance commission. Patunayan mo na completo ka sa dokomento, importante may official receipt ka at policy.... At para sayo nag gawa ng forum na ito patunayan mo na sa Peoples ka naka insured, paki post ng policy documents mo at official receipt mo.....

DI ako sangayon diyan, lalo na't yung kapag may problema punta sa IC. Pagusapan niyo muna yan ng insurer at ahente mo. Hintayin niyo muna ang paliwanag nila. Baka naman kasi ang kineclaim mo ay talagang hindi valid. Pacheck mo sa mga taong nakakaalam tungkol sa insurance yung policy conditions kung sa palagay mo hindi naisplika sa iyo ng maayos ang insurer mo. Last recourse lang dapat yung IC. Hassle din kasi yun.

Regarding ahente naman, dapat ang kunin niyo yung mga may experienced na and talagang serious sa pagiging ahente. Hindi yung mga nagsisideline lamang. Ang pagaahente ng insurance ay matrabaho, di tulad ng inaakala ng iba diyan. Nakikita lang nila yung commission tapos pagdating ng claim kung saan saan ka lang itutulak. At higit sa lahat, wag kayong kukuha ng insurance porke't inhouse siya unless makakasiguro kayo na may magsisilbi sa inyo pag dating ng claim.

[mark_t]

Mga kababayan, unang una ang mga Agents is not an employee of any insurance company.. what the agents want is commission frankly speaking...
any person can be an agent, kapag ang Agent hindi maka kuha ng mataas na commission para sa kanila pangit ang insurance company kaya magsabi sili na pangit.

Kapag may problema ka sa claims punta ka sa insurance commission. Patunayan mo na completo ka sa dokomento, importante may official receipt ka at policy.... At para sayo nag gawa ng forum na ito patunayan mo na sa Peoples ka naka insured, paki post ng policy documents mo at official receipt mo.....

1. Hindi claims department ang Insurance Commission.
At marami kang kababayan na hindi taga UN Ave. para papuntahin doon.
2. The Insurance Industry has a "membership through examination"
requirement.
3. Kung taga Insurance ka, tulungan mo?
4. Hindi Agent ang uma angal dito. Mga policy holder.

[mark_t]

At sa mga client ng Peoples na walang servicing agent ang policy.
Ako mag aasikaso ng claims nyo.(hindi ako nagtitinda ng Peoples)

Huwag mabahala.

Tawag lang kayo sa Peoples at magrequest ng certificate
of payment at ipa padala sa mail. Idagdag ito as additional
pages sa inyong policy.

At frankly speaking ganito ang may maitutulong sa industriya ng
Seguro.