own cause damage what to do?

[ungazyo182]

My car has some dents and scratches specially at the front and rear bumper.., all of them where due to my own cause.., what does the insurance can do for me?

In the insurance paper my car has a 14 inch steel., rim I replaced it with a 15 inch concept one., but a few days ago., nabasag yung rim ko.., nahulog kasi yung auto sa kakagawa lang na kalsada sa gawing cabanatuan.., they've worked on the one side and left the other side of the road untreated.., and left a deep long hole in the middle.., my rim and tires were totally broken., what does the insurance can do for me?

[boybi]

For the dents and scratches in the body of your car, you can file for a claim for own damage. Just make an affidavit indicating the cause of the damages and the description of the damaged parts. You will be required to shoulder the minimum participation for the repair of the damages.

For the rims, they may just compensate you for the cost of the original steel rims and tires, minus the participation.

[ghosthunter]

Call your insurance.

The best they might do would be to reimburse you the cost of the original 14inch rim since that was the originally the way the car was insured.

[mark_t]

Call your insurance.

The best they might do would be to reimburse you the cost of the original 14inch rim since that was the originally the way the car was insured.

Wrong.

the 14inch steel rim is the thing insured. you cannot substitute
on a whim.

If I insured my red shoes under a all risk policy and I damage my adidas
now which is what I am wearing. I cant claim on the policy covering my red shoes
for damages suffered by my adidas.

If you want your magwheels insured then you have to submit to your insurer
invoice receipt and official receipt of the tire and magwheels and pay the corresponding premium
for proper endorsement.

[ghosthunter]

Wrong.

the 14inch steel rim is the thing insured. you cannot substitute
on a whim.

If I insured my red shoes under a all risk policy and I damage my adidas
now which is what I am wearing. I cant claim on the policy covering my red shoes
for damages suffered by my adidas.

If you want your magwheels insured then you have to submit to your insurer
invoice receipt and official receipt of the wheel and rim and pay the corresponding premium
for proper endorsement.

True.. but it also depends on how close you are with your insurance company.

But yeah, generally, aftermarket wheel damage will not be covered if that was not there when the car was initially assessed for insurance.

[mark_t]

True.. but it also depends on how close you are with your insurance company.

I doubt you will be close enough that they will issue you a open policy.
Ship owner ka siguro.

But generally it gets charged against the production of the agent
if it is to be considered ex gratia.

But yeah, generally, aftermarket wheel damage will not be covered if that was not there when the car was initially assessed for insurance.

.................................................. .....
it is possible.

Now how do you claim ex gratia?

maybe you can give me a chance to cover your other Cessna?

[ghosthunter]

.................................................. .....
it is possible.

Now how do you claim ex gratia?

maybe you can give me a chance to cover your other Cessna?

Maybe after I buy that first Cessna...

[ungazyo182]

salamat po mga sir..,

[Jeff2994]

Is there an IC memo or basis in the Insurance Code for this claims (pro-rata settlement of magwheel/s instead of set of 4 or 5)?

[bhovoi]

ano po ba need pag ganitong own cause damage? need pa ba talga ng police report o kahit affidavit nlang?

[dr. d]

ano po ba need pag ganitong own cause damage? need pa ba talga ng police report o kahit affidavit nlang?

affidavit lang po.

[imchellfish]

Hi. I have 6 panels (front and rear bumper, trunklid, driver's door, front passender door, hood) na puro scratches and dent on my front passenger door. Now, my problem is nakapagrenew nako ng insurance last August 12, 2018, all these own damage incidents happen BEFORE renewal. Pwede ko kaya iclaim lahat ng "own damage" ko sa new insurance company?

I know my fault na hindi ako nagclaim agad bago maexpire yung insurance ko, nagbabakasakali lang na baka pwede yung naiisip kong magclaim sa new insurance ko. Kasi naginquire ako if out of pocket ko ipapagawa total of 16,500php kung gagawin per panel, and 25,000php naman if iw-washover na (recommended para daw pantay ang kintab).

Thanks in advance!

[chronicle]

Pwede mo parin iclaim yan sa bagong insurance mo.

Pero since hiwahiwalay ang tama, baka 3 or more participation ang ilalabas mo.

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[benchman]

Hi. I have 6 panels (front and rear bumper, trunklid, driver's door, front passender door, hood) na puro scratches and dent on my front passenger door. Now, my problem is nakapagrenew nako ng insurance last August 12, 2018, all these own damage incidents happen BEFORE renewal. Pwede ko kaya iclaim lahat ng "own damage" ko sa new insurance company?

I know my fault na hindi ako nagclaim agad bago maexpire yung insurance ko, nagbabakasakali lang na baka pwede yung naiisip kong magclaim sa new insurance ko. Kasi naginquire ako if out of pocket ko ipapagawa total of 16,500php kung gagawin per panel, and 25,000php naman if iw-washover na (recommended para daw pantay ang kintab).

Thanks in advance!

even with own damage, you still have to state the specific date in your affidavit when the incident happened. and i don't think the if you can claim for a repair covering all the damages in 1 shot under your own damage. per panel/incident pa rin kasi ang usapan sa insurance claims. unless your insurance covers wash-over job repairs.

[imchellfish]

even with own damage, you still have to state the specific date in your affidavit when the incident happened. and i don't think the if you can claim for a repair covering all the damages in 1 shot under your own damage. per panel/incident pa rin kasi ang usapan sa insurance claims. unless your insurance covers wash-over job repairs.

I understand naman that I can't claim for a 1 incident claim, OK lang if mga 3 to 4 x participation fee vs sa 16,500php (6 panel repairs) or 25,000php washover, right?

[_Qwerty_]

yung assessor ang mag de decide kung ilang participation ang babayaran mo.. depende din yan sa written affidavit mo.. kung iba iba ang cause nang damage.. malamang 6 na participation ang singilin sayo.. malabo din i pa wash over nang insurance yan.. unless may kilala ka sa insurance mo.. baka pwede mo i request na imbes na i repair eh washover na lang.. pero usually per panel lang ang repair nyan..

[benchman]

maybe let your insurance do the assessments first. try to haggle na isama na yung labas sa isang panel,,,,malay mo.
then compare sa quotation sa iyo sa labas.

[ArjAngel]

was thinking of making the same thread, thanks for this, try ko din sa insurance ko

[Eric Sulit]

Hi, I had this damage sa right fender when I incorrectly placed the jack sa maling point. I filed for a claim since estimated ng casa is around 11k for the repair. BPI MS insurance ko however they denied my claim kasi negligence ko daw yun. Is there a workaround for this? TIA

[MR_BIG18]

Hi, I had this damage sa right fender when I incorrectly placed the jack sa maling point. I filed for a claim since estimated ng casa is around 11k for the repair. BPI MS insurance ko however they denied my claim kasi negligence ko daw yun. Is there a workaround for this? TIA

Sinabi mo sana hit and run...

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