Quote Originally Posted by cast_no_shadow View Post
Hindi dapat “own damage” since ikaw nga ang binangga.

File mo as is including the police report. Kung walang pambayad hindi na dapat kayo nag areglo nung bumangga, file mo and si insurance mo na lang humabol sa kanila

I understand mas madali i-claim as own damage, kaso ang insurance hindi rin basta basta magbabayad yan lalo ma at malaki ang damage na inabot, sabi mo nga declared total loss lalo na.

Talo ka talaga dun sa signed agreement mo sa nakabangga sayo, technically hindi own damage eh in paper you are defrauding your insurance. Outright denied yan pag ganyan. Konting butas talagang yare ka.

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