HELP: Commonwealth Insurance denying coverage

[cdl]

^Denied talaga yung coverage kasi nagkaroon kayo ng agreement nung isang party. Worse is nagkaroon pa pala ng signed agreement. Foul kasi para sakanila yung ginawa niyo kaya grounds for denial automatically.

I know kasi same case tayo but ako naman yung nakabangga. Had a written agreement with the other party and paid for her car repair without the insurance company knowing. But was told by the insurance company na pwede nila ako i-deny ng claim based on what i did. But turns out hindi na din naghabol yung nakabangga ko kaya pinalagpas nalang nila and told me to not do it again (pay the other party for damages).

It's not foul naman kasi kame ang naabala. I explained naman ng maayos don sa nakabangga why I'm asking for it and they agreed din naman. We have three kids, youngest is 2 years old. Nung time na nabangga nila kame, we have a scheduled family travel (Cavite and Batangas lang naman). But still, the fact na gagastos ako ng mas malaki, by renting a car/van, compared na gas and toll lang, masyado naman na kaming lugi.

Re-commonwealth, we were very transparent sa lahat. We did not fabricate or lie sa kahit anong angle. From the very beginning we mentioned na may settlement na nangyari and we asked for a very reasonable amount don sa nakabangga. They asked for a copy, we gave it right-away even if it is an agreement between us lang excluding them (the insurance company).

[yebo]

Bottom line is, you lied on your claim that it was "own damage" when it was not. That is insurance fraud.

You should have
1. Told it straight that your vehicle was hit by another and that his insurance could not cover the damage. Your insurance would then collect from the other party the difference. It will be a legal battle between your insurance vs the other guy's insurance and the other guy.
2. Or claim ot under the offensing party's insurance then sue the other guy for the balance of 300k.

You lied. Worse, you conspired to defraud your own insurance. They have all the right to deny your claim.

[Archerfish]

Will update you guys kung ano man kahantungan nito.. Thanks ulit sa mga advise, feedback and comments.

Yes please, as this will serve as good information later.

Bottom line is, you lied on your claim that it was "own damage" when it was not. That is insurance fraud.

You should have
1. Told it straight that your vehicle was hit by another and that his insurance could not cover the damage. Your insurance would then collect from the other party the difference. It will be a legal battle between your insurance vs the other guy's insurance and the other guy.
2. Or claim ot under the offensing party's insurance then sue the other guy for the balance of 300k.

You lied. Worse, you conspired to defraud your own insurance. They have all the right to deny your claim.

It may be said that "he lied technically". However, he mentioned that he didn't want to lie that he even told everything to the insurance company and showed the signed agreement.

So I would like to interpret it this way: he didn't lie and has no intention of lying but to avoid the hassle, he filed "own damage". Technically, it can be said that he lied.

This makes me think, who among us has never lied?

In my own words, I'd rather say, "you made a mistake when you filed it that way". I might have done the same thing out of ignorance and even out of exasperation "just to go over it".

Let all of us learn from this situation, call your lawyer or your insurance agent before signing any documents.

Of course, make sure you have sufficient load at all times.
[emoji3]

[cdl]

Yes please, as this will serve as good information later.

It may be said that "he lied technically". However, he mentioned that he didn't want to lie that he even told everything to the insurance company and showed the signed agreement.

So I would like to interpret it this way: he didn't lie and has no intention of lying but to avoid the hassle, he filed "own damage". Technically, it can be said that he lied.

This makes me think, who among us has never lied?

In my own words, I'd rather say, "you made a mistake when you filed it that way". I might have done the same thing out of ignorance and even out of exasperation "just to go over it".

Let all of us learn from this situation, call your lawyer or your insurance agent before signing any documents.

Of course, make sure you have sufficient load at all times.
[emoji3]

This is totally what happened. Ignorance took a toll on me. Thank you for clearing it out *Archerfish. Again guys, we did not deny/lie anything from our insurance. From Day1, we mentioned everything and the very reason why we will be using our insurance. Again, in all honesty and practicality, we used our insurance para less hassle and for bigger coverage. But then again, the mistake was signing the agreement.

Will not comment on those assuming/negative/reproachful feedbacks as the main purpose of this thread, of any threads I supposed, is to seek advise/help/guidance. Let's help each other guys by providing helpful comments. Not just for TS but for everyone reading the thread/s.

Thanks again for all your comments and suggestions. Will provide any valuable updates. Good day!