HELP: Commonwealth Insurance denying coverage

[cdl]

Ang alam kong mali is kung nag-claim ka sa insurance ng nabangga, tapos nag claim ka ulit sa sarili mong insurance.

Yan ang no-no.

You can only claim once from one insurance company.

This is CORRECT.

[cdl]

Hehe oo chances are may participation na dagdag mo pa yung depreciation for the replacement parts na ilalagay (pag palagay natin na more than 3 years old na yung unit)

I still ask if the offending party (kung siya ang at fault) can pay, kung wala naman maibabayad talaga ano pa ba magagawa ko charge to experience na lang talaga.

Technically yung kay TS madeny talaga, I think hindi naman sinadya na dayain ang insurance more of easy way out ang pinili niya na way, napahamak lang nung agreement with the other party. Naawa dahil senior na.

Naipit dahil naawa. Again charge to experience.

Sent from my iPhone using Tapatalk

Indeed...... Easy way out and tulong na din kay lolo... And again, there are no intentions of fooling anyone here. We are talking to a lawyer already. Looking for ways how to correct this and make lolo and insurance still liable despite the agreement. Will keep you posted guys!

[cdl]

Tagal na kaso yan tapos malaki insurance company kalaban mo. Good luck [emoji24]

Sent from my SM-G955F using Tapatalk

True!! But will fight for it. [emoji24][emoji24][emoji24][emoji24][emoji24][emoji24]

[cdl]

On the part of insurance naman, I think that the people you have talked to really want this to happen to you, they may have been left with no choice but to follow company rules as the circumstances have been discussed with so many people and any accommodation on your claim may mean collusion on their part. Probably if the amount wasn't that huge, then a senior manager may have the prerogative to rule in your favor.

Sent from my Mi A1 using Tapatalk

Yes, pwede din.

[shadow]

Ang alam kong mali is kung nag-claim ka sa insurance ng nabangga, tapos nag claim ka ulit sa sarili mong insurance.

Yan ang no-no.

You can only claim once from one insurance company.

Kasama sa documents na submit sa insurance before nila process yun claim mo eh meron ka certificate of no claim from the other insurwnxd company.

Kahit TPL lang coverage nun nakabanggaan mo kailangan pa rin kukuha ng certificate of no claims.

Sent from my iPhone using Tapatalk

[shadow]

False claim talaga nangyari. Nag claim ka ng OD pero sinabi mo na pa na
meron involved na offending party.

Tapos meron pa quit claims sa nakabangga.

Dating talaga sa insursnce mo niloloko mo sila. Wala ka nga intention na ganun pero yun ang lumalabas.


Sent from my iPhone using Tapatalk

[sirkosero]

Pero may weight nga ba yun?

Magagamit ba ni offending party or nung insurance niya para walang liabilities in case maghabol insurance ni TS?


Sent from my iPhone using Tapatalk

Yes, if it was worded that it would cover the only non-tangibles while the car is being repaired (ex: taxi or relocation to a nearer place, food while commuting)

Pero if indicated na it releases all liabilites from the offending party, which seems like the case dahil ayaw nya sabihin how it was worded, deny talaga.

Sent from my MI MAX 2 using Tapatalk

[ninjababez]

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).

wala parin ba copy nung agreement nyo nung nakabangga sayo?
share mo naman dito bro.

[cdl]

wala parin ba copy nung agreement nyo nung nakabangga sayo?
share mo naman dito bro.

I still don't have a copy. We talked to a lawyer and we will summon both the insurance and third party. As per our lawyer we can still file a case against the third party despite the signed agreement. Our next step is to summon both parties and have them agree what needs to be agreed. Will keep you guys posted dahil mahaba-haba pa 'to.

For those who have confusions with "Own Damage", better consult your agents or use Google at wag na pagtalunan. Again, we can always choose which insurance we want to use kung nabangga or binangga tayo and file it as "Own Damage".

Thanks again for those who provided helpful feedbacks and comments. If you have other legal advise, please comment and are highly appreciated.

[sirkosero]

I still don't have a copy. We talked to a lawyer and we will summon both the insurance and third party. As per our lawyer we can still file a case against the third party despite the signed agreement. Our next step is to summon both parties and have them agree what needs to be agreed. Will keep you guys posted dahil mahaba-haba pa 'to.

For those who have confusions with "Own Damage", better consult your agents or use Google at wag na pagtalunan. Again, we can always choose which insurance we want to use kung nabangga or binangga tayo and file it as "Own Damage".

Thanks again for those who provided helpful feedbacks and comments. If you have other legal advise, please comment and are highly appreciated.

Bakit wala ka kopya ng sarili mong agreement?

Sent from my MI MAX 2 using Tapatalk

[shadow]

[emoji3061]


Sent from my iPhone using Tapatalk

[ninjababez]

Bakit wala ka kopya ng sarili mong agreement?

Sent from my MI MAX 2 using Tapatalk

same question din TS

Sent from my MI MAX 3 using Tapatalk

[cdl]

same question din TS

Sent from my MI MAX 3 using Tapatalk

Ipapanotarize daw nila then bigyan ako ng copy. I followed up and they mentioned na sendan daw ako, until now wala. Commonwealth informed us that they were able to receive a copy as provided by the third-party. But it's ok, they can bring it and give me a copy when we see each other na lang.

[sirkosero]

Ipapanotarize daw nila then bigyan ako ng copy. I followed up and they mentioned na sendan daw ako, until now wala. Commonwealth informed us that they were able to receive a copy as provided by the third-party. But it's ok, they can bring it and give me a copy when we see each other na lang.

Papano nila inotaryo, the agreement is between you and the other party. Labo nun ah at bawal yun.

They are probably sealing the coffin they want to bury you in, so to speak.


Sent from my MI MAX 2 using Tapatalk

[cdl]

Papano nila inotaryo, the agreement is between you and the other party. Labo nun ah at bawal yun.

They are probably sealing the coffin they want to bury you in, so to speak.

Sent from my MI MAX 2 using Tapatalk

Nope.. Si third-party daw ang magpapa-notarize not Commonwealth.

[cast_no_shadow]

Nope.. Si third-party daw ang magpapa-notarize not Commonwealth.

Both parties are present dapat pag pina notaryo diba?


Sent from my iPhone using Tapatalk

[sirkosero]

Both parties are present dapat pag pina notaryo diba?


Sent from my iPhone using Tapatalk

Yes. For it to be valid. Otherwise, super dali icontest nyan.

Sent from my MI MAX 2 using Tapatalk

[shadow]

Pero matindi lawyer ni OP. I-summon yun insurance. [emoji39]


Sent from my iPhone using Tapatalk

[sirkosero]

Nope.. Si third-party daw ang magpapa-notarize not Commonwealth.

Gumugulo ang kwento. You mean ang nagpanotaryo yung matanda na bumangga sa inyo? Eh kailangan nakapirma ka din dyan.

Tapos wala ka kopya ng kasulatan ninyo nung bumangga sa inyo. Kahit picture manlang, wala. Kahit wording man lang nung kasulatan, wala ka din idea?

Whoever your attorney is will really try to make water into wine. Anyway, kung nagsign ka ng quit claim (in this case, kasulatan) it already becomes a binding contract between you and the other party. The notarial just makes it a public document, when witnessed by an attorney.

Super important to know how the document was worded. Thats is extemely basic. You cant compell them to pay if the wordings are very much to his favor. You will just end up spending more on attorney fees.

Sent from my MI MAX 2 using Tapatalk

[cdl]

Yes. For it to be valid. Otherwise, super dali icontest nyan.

Sent from my MI MAX 2 using Tapatalk

Yes, yun din ang sabi nung lawyer. Therefore, we can still file a case against the third-party.