Denied Insurance Claim- Help!

[novidjaff]

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]

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]

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

[chua_riwap]

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]

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

[novidjaff]

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.

[ocean explorer]

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...

[shadow]

Kalokohan, ayaw lang magbayad ng insurance mo...how can they say na walang nangyari ng accident eh meron kang police report...

[chua_riwap]

paktay na TS. people's gen insurance mo?

read this thread........

http://tsikot.com/forums/car-insuran...surance-67284/

[Retz]

paktay na TS. people's gen insurance mo?

read this thread........

http://tsikot.com/forums/car-insuran...surance-67284/

naku po. that explains why.

[vinj]

You may want to read the Insurance Code: | Official Website of the Insurance Commission |

Sec. 241. (1) No insurance company doing business in the Philippines shall refuse, without just cause, to pay or settle claims arising under coverages provided by its policies, nor shall any such company engage in unfair claim settlement practices. Any of the following acts by an insurance company, if committed without just cause and performed with such frequency as to indicate a general business practice, shall constitute unfair claim settlement practices:
(a) knowingly misrepresenting to claimants pertinent facts or policy provisions relating to coverage at issue;
(b) failing to acknowledge with reasonable promptness pertinent communications with respect to claims arising under its policies;
(c) failing to adopt and implement reasonable standards for the prompt investigation of claims arising under its policies;
(d) not attempting in good faith to effectuate prompt, fair and equitable settlement of claims submitted in which liability has become reasonably clear; or
(e) compelling policyholders to institute suits to recover amounts due under its policies by offering without justifiable reason substantially less than the amounts ultimately recovered in suits brought by them.

[_Qwerty_]

wala man lang nakaisip kumuha nang picture?? para ma prove na nandon nga yung sasakyan..

tsaka dapat pag ganyan kalala di mo na muna ginalaw.. tawag na agad nang pulis..

[novidjaff]

yung police report qunequestion nila.. Kasi parang malabo at hindi malinaw nakastate sa ploice report. january 4 ko nakuha letter and d pa ko nakakarespond kasi nacocunsult ako ng tulong. Ill get a sworn statement with affidavit from the witness that I have and send it back.

[niro2011]

nakow!!! People's Gen Insurance? Contest the denial of your claim.

[amir1223]

paktay na TS. people's gen insurance mo?

read this thread........

http://tsikot.com/forums/car-insuran...surance-67284/

nakups...yung sasakyan ko e sa PEOPLE'S GENERAL INSURANCE pala ikinuha ng TMBC ng comprehensive...

[Retz]

^

kailan ang expiry date? kung malapit na, palitan mo na agad yan ng ibang insurance company.

[amir1223]

^

kailan ang expiry date? kung malapit na, palitan mo na agad yan ng ibang insurance company.

oo nga buti na lang until march na lang to..april ko kinuha sasakyan so kung 1yr,sa march2012 ang 1st yr nya...

[shadow]

own damage na labas niyan, so either way dapat bayaran ng insurance.

[ratchet23]

di ba dapat covered parin kahit own damage? yung kilala ko nasa report nakatulog pero yun nereplace parin ng bago since total wreck.

yung isa pa kilala ko reported din nakabangga kahit wala pa lisensya kahit student. pero kinover din.

[jhnkvn]

Yep. Dapat covered parin kahit own damage. As shadow stated earlier, even theft is covered. The point here is that the threadstarter has no good evidence of the case that's why the insurance company does not like to pay off the damage and assumes that it is of fraud.

Personally, I think it's time to get some help with a lawyer. However, put suing the insurance company as your last card since we all know how long the process goes.

As people here said, get 3 friends or so that can prove that it was a hit-and-run case. Get their stories and affidavit and I'd say that insurance denial seems pretty weak now. At the same time, it wouldn't hurt for us to flame them in the forum.

For what it's worth, 3 times na ako nabanga in 2011 with total damages costing 150k. Still, binayaran parin ng insurance ko (since they're been our insurance for a long time now).