Don't be fooled by BPI MS Insurance

**glenn_duke** · June 12th, 2015 04:41 AM

Originally Posted by lakarz16

Question mga boss. I got hit by a mini dump truck. Nawalan siya ng brake. Sa police station aminado naman yung driver na nawalan ng brake at matagal na daw nila nirereklamo sa owner na ipaayos muna kaso matigas yung owner kaya nakaaksidente tuloy. Mahirap kausap yung owner ang sabi sakin insurance nalang daw ang mag usap. Hindi naman ako papayag na hindi sa casa dalhin yung car ko. Covered pa ng insurance car ko. Ano magandang gawin dito sa owner ng truck? Mayabang kausap.. Any suggestions mga sirs?

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Mag file ka ng claim sa insurance mo, dala ka ng police report. Yung insurance mo ang bahalang sumingil sa nakabangga sa iyo.

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Originally Posted by lakarz16

Question mga boss. I got hit by a mini dump truck. Nawalan siya ng brake. Sa police station aminado naman yung driver na nawalan ng brake at matagal na daw nila nirereklamo sa owner na ipaayos muna kaso matigas yung owner kaya nakaaksidente tuloy. Mahirap kausap yung owner ang sabi sakin insurance nalang daw ang mag usap. Hindi naman ako papayag na hindi sa casa dalhin yung car ko. Covered pa ng insurance car ko. Ano magandang gawin dito sa owner ng truck? Mayabang kausap.. Any suggestions mga sirs?

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Mag file ka ng claim sa insurance mo, dala ka ng police report. Yung insurance mo ang bahalang sumingil sa nakabangga sa iyo.

**lakarz16** · June 12th, 2015 08:09 AM

Ok sirs. Will do.. thanks.

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**SkyFlakes88** · June 12th, 2015 09:31 AM

Originally Posted by boyet_deleon

Thanks sir SkyFlakes, malinaw na at least pwede ipalipat sa new owner ng kotse... pa transfer of ownership ko na lang after ng sale para safe din ako in case may accident or magamit sa crime

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Thanks sir SkyFlakes, malinaw na at least pwede ipalipat sa new owner ng kotse... pa transfer of ownership ko na lang after ng sale para safe din ako in case may accident or magamit sa crime

Sir may suggestion po ako when selling your car. Best po is when kukunin na yun kotse nyo nang buyer make a receiving copy for the buyer to sign indicating the day and most importantly the actual time you turned over your car to him. It is for your protection po yun in case the buyer might get involved in an accident or use your car in a criminal way. If anytime authorities come knocking on your door you can prove that you are not involve.

**ravenido** · November 2nd, 2015 07:57 PM

Originally Posted by ravenido

My car insurer is also BPIMS and I recently filed a claim. It's been a month since I filed it and no LOA yet. Last week the agent told me that my claim was forwarded to the head office because it was beyond the branch authority to approve. I hope he's telling the truth and it will be approved soon.

After almost 7 months, I finally got my car back. However, most of the delay was with the Toyota Service Center. It took them 4.5 months to repair the car. The insurer took about 2.5 months to approve.

The first month with BPIMS was also going nowhere. Fortunately, I am a preferred client, so I ask the client relationship manager if he could offer assistance. It worked, the insurance claim consultant was now responsive and processing took a little bit faster. In fact during payment, there were 2 of us paid and the other dude filed his request for payment for a month while mine was released in less than 2 weeks.

Off topic, the Toyota body repair was fair but the paint job was probably done by their newest employee. It is badly cleaned, you can still see remains of the body filler dusts on hard to reach corners and they've already put some top coat on it so you can't wash it away. Also, they probably selectively buffed because some portions are still rough. I plan to return it, if they wont attend to it, I might just hire an outside cleaner.

**balas12c** · November 30th, 2015 04:05 PM

Thanks for sharing the information

**jaggerx3** · November 30th, 2015 11:58 PM

I filed last wednesday and got a text last friday na approved na daw. So may LOA na sa preferred ko na pagpapagawan?
Ang hirap nila kontakin nakakainis!

**xcaliber** · December 7th, 2015 10:05 AM

Wala kwenta BPI MS!!!!

Nabangga sa Los Banos Laguna noong October 16 ng isang Montero ang Trailblazer LTZ ng father ko at aminado nakatulog ang driver at willing siya bumayad nung participation fee namin sa insurance para masettle na agad ang aksidente. Immediately the following day nadala sa Commonwealth Chevy ang TB LTZ namin at complete with all our papers at tinawagan agad ng Chevy ang BPI MS. Believing in good faith na maaksiyunan agad ang repair (around 350k estimate ng Chevy) binayaan na lang muna namin sa casa yung sasakyan. 3 weeks passed and we aked Chevy kung ano status. Lo and behold wala pa daw pinapunta na adjuster/assessor ang BPI MS kahit almost every other day sila tumatawag. Sabi pa ng Chevy na pinagpapasahan daw sila ng office ng BPI MS kung saan lugar tatawagan ang adjuster. May nagbigay ng Caloocan na number at ng di matawagan QC na number naman. Nung pinuntahan na ng brother ko ang main office nila ng end ng October at nagtanong saka lang sila nagpadala ng Adjuster sa Chevy on the same day. Benefit of the doubt ulit pinagbigyan namin ng 2 weeks ang BPI MS para sa approval nila ng LOA. Anak ng tipaklong pagtawag sa Chevy wala pa din daw LOA. Dito na nagalit tatay ko at binantaan na ang supervisor sa opisina ng BPI MS na kakasuhan na niya ang opisina nila sa Insurance Commission dahil hindi sila nagcocomply sa obligasyon nila under the insurance policy. After 2 days nakareceive ang Chevy ng LOA for dismantling ng broken parts pero ang labor cost covered lang ay 5k e estimate ni Chevy aabuting ng 26k ang labor cost ng dismantling ng parts. Eh puneta ano yon 2 parts at ilan tornilyo lang tatanggalin!

Kada tawag namin sa 2 na tao ng BPI MS sa main office nila na may handle ng issue e either wala sila o may kausap daw. llan beses na din kami pinagpapasahan. Mag 2 months na by next week yung sasakyan sa casa wala pa din aksyon ang BPI MS. pag wala pa nakuha na matino na aksyon this week mag-papasko sila na may kaso mga gago sila!!!

**ramiel17** · April 18th, 2016 10:10 PM

My total loss claims with BPIMS lasted for 2 mos. i think it's the norm on such claims. Though it took to long and constant persistent follow up, but atleast I've got what i've paid for.

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**ohwtfitzsean** · April 25th, 2016 01:09 PM

Originally Posted by ramiel17

My total loss claims with BPIMS lasted for 2 mos. i think it's the norm on such claims. Though it took to long and constant persistent follow up, but atleast I've got what i've paid for.

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Sir, what happened sa total loss claim nyo? I'm currently in this situation, just got an email from insurance that it's better to declare as total loss. Car is 27 months old, the repair estimate is around 477K. Pero wala pa sila complete details, to follow daw once cleared na. Same po tayo BPIMS Insurance.

**cast_no_shadow** · April 25th, 2016 01:27 PM

Originally Posted by ramiel17

My total loss claims with BPIMS lasted for 2 mos. i think it's the norm on such claims. Though it took to long and constant persistent follow up, but atleast I've got what i've paid for.

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Sa brother ko almost 3 months naman, nagtagal since nilipat pa from casa to accredited shop. malaki damage nag dismantle pa para makita lahat ng aayusin at papalitan.

Ended up declared as total loss. Justified naman yung itinagal ng processing.