Need Help! No Police Report: Malayan Insurance nagddemand na bayaran ko sila!

[Ryan Loredo]

I need advise kc nkasagi ako ng RAV4, just a minor scratch lng nmn, unfortunately wala akong insurance, kinuha lng ng nabagga q ung photocopy ng licence and registration q alang police report na naganap. Tinawagan q xa sa ofc and asking for 24thou which is overkill kc minor as in minor scratch lng tlg. So dinedma q, until today I receive a letter from Malayan Insurance stating na na hit and bumped q nga un RAV4 then asking for settlement out of court. Question di ba d pde mgclaim pag alang police report unless hit and run? posible bang pineperahan aq ni Malayan kc nung tumawag aq sabe q sbra ang hinihingi nilang pera sken 24k then inemphasize q na alang police report so gawa n lng daw aq ng letter and kung mgkno maibibigay q.. What should I do? Pde bang ignore ko na lng?

[mey0r]

Posibleng yung ahente at yung may ari ng sasakyan ang magkasabwat. May mga pictures ka ba nung aksidente?

[Ryan Loredo]

wala eh.. nataranta kc q nun eh..

[claRkEnt]

first... iwas po sa txt speak.

btt: probably that 24k covers all the repairs that needs to be done dun sa RAV but necessarily caused by the accident. Since walang police report, i think may usapan na yung Insurance agent at yung owner (baka may lagayan para ma-include sa claim other repairs needed).

Ang masama, wala man lang picture of the damage created ng accident. walang basis. they could claim na extensive ang damage. Your word against theirs.

[Altis6453]

Please refrain from text speak in the forums.

That being said, you should get a lawyer to reply to the letter sent to you by Malayan, denying their claim for compensation. Just tell your lawyer what happened and he'll take care of drafting and sending the letter.

[Mile2]

Dedma mo na lang yung insurance, just talk to the other party directly.

Tell him you would have his RAV4 repainted at Toyota, Toyota Makati is offering 1 day repainting, I think it was P2,500/panel. Bilangin mo na lang kung ilang panel yung nagasgas sa Rav4 at yun lang ang babayaran mo.

Mukhang papayag naman siguro yung other party if the repainting is to be done at Toyota. And hindi na kailangan nung other party to pay participation fee sa insurance. Go for settlement na lang and have him sign for quit claim.

Tawagan mo na lang Toyota Makati for more info.
TOYOTA MAKATI, INC.
Ayala corner Metropolitan Avenues, Makati City
Trunkline +63 (2) 897-3333
Service: 899-0444 / 899-0333
Trunkline +63 (2) 897-3333 local 112/118/109/110

[ans_lim168]

You should not have left the scene of the accident without any agreement or setlement, charge this to experience. I agree that the 24k he's asking is way to high if you said there's a minimal scratch on his ride. Get a lawyer to help you on this.