HELP: Commonwealth Insurance denying coverage

[ninjababez]

Pinapahirap ninyo kaso pag claim eh since you have comprehensive insurance, kung na involved kayo sa accident whether it's your fault or not just claim it sa insursnce ninyo and let them handle everything.

Gumugulo kasi bakit pa ninyo gusi ipasagot doon sa nakabangga yun participation ninyo saka bakit kailangan pang meron additonal na allowance?


Never ako humingi ng participation pay sa nakabangga sa akin and I don't care kung meron siya insurance or wala. Bahala siya makipagusap sa insurance ko basta papasok ko na sa casa as soon as possible para magawa na.

Kung wala siya insurancd the it's not my fault hinde ko na rin entertain kung nakikiusap kung pwede na siya na lang magbayad ng deductible pero papalabasin na hit or run or something.





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first time siguro nangyari kay TS. ako din dito kay bro shadow natuto na wag na humingi or umasa sa participation fee and abala; dahil iinit lang ulo mo at sayang lang oras mo kaka followup.

[polar01]

Pinapahirap ninyo kaso pag claim eh since you have comprehensive insurance, kung na involved kayo sa accident whether it's your fault or not just claim it sa insursnce ninyo and let them handle everything.

Gumugulo kasi bakit pa ninyo gusi ipasagot doon sa nakabangga yun participation ninyo saka bakit kailangan pang meron additonal na allowance?


Never ako humingi ng participation pay sa nakabangga sa akin and I don't care kung meron siya insurance or wala. Bahala siya makipagusap sa insurance ko basta papasok ko na sa casa as soon as possible para magawa na.

Kung wala siya insurancd the it's not my fault hinde ko na rin entertain kung nakikiusap kung pwede na siya na lang magbayad ng deductible pero papalabasin na hit or run or something.





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+1 here. Straight forward. Dapat ganito natin i-appreciate yung compre coverage natin. Let the insurance companies do their job.

Palagay ko sa case ng TS is malaki yung claim then insurance company found out na may areglohan pa including damages.

Baka nga dito nag usap din nung insurance company ng nakabangga to just deny the claim base on the agreement between TS and yung nakabangga.


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[shadow]

+1 here. Straight forward. Dapat ganito natin i-appreciate yung compre coverage natin. Let the insurance companies do their job.

Palagay ko sa case ng TS is malaki yung claim then insurance company found out na may areglohan pa including damages.

Baka nga dito nag usap din nung insurance company ng nakabangga to just deny the claim base on the agreement between TS and yung nakabangga.


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Eh kasi nga sa katiting na halaga ₱10k+₱3k nawala tuloy yun ₱400k+

Kung wala naman kasi nasaktan huwag na kayo makipagusap doon sa nakabangga n ninyo kuha na kayo ng police report then claim na agad. Sigurado ayaw din naman ninyo sa insurwncd ng nakabangga ipagawa dahil mas lalo kayo walang control.

Kung kayo ang may kasalanan naman hinde na rin kayo dapat makipagusap sa kabilang side. Let your insurwnxd do the work for you. Kaya nga kayo nagbabayad ng napakamahal na premium para wala na kayo iisipin.

Huwag na kayo makinig sa kesyo madami hinihingi na documents na reklamo ng kanilang side. Problema na nila yun kung ayaw nila mag submit eh di mas matatagalan sila maka claim. As long as sasagutin ng insursnce ninyo dahil kayo at fault yun lang ang ibinigay ang ibibigay nito wala ng traspo allowencd na kung ano-ano pa.


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[aNthraxx]

Eh kasi nga sa katiting na halaga ₱10k+₱3k nawala tuloy yun ₱400k+

Kung wala naman kasi nasaktan huwag na kayo makipagusap doon sa nakabangga n ninyo kuha na kayo ng police report then claim na agad. Sigurado ayaw din naman ninyo sa insurwncd ng nakabangga ipagawa dahil mas lalo kayo walang control.

Kung kayo ang may kasalanan naman hinde na rin kayo dapat makipagusap sa kabilang side. Let your insurwnxd do the work for you. Kaya nga kayo nagbabayad ng napakamahal na premium para wala na kayo iisipin.

Huwag na kayo makinig sa kesyo madami hinihingi na documents na reklamo ng kanilang side. Problema na nila yun kung ayaw nila mag submit eh di mas matatagalan sila maka claim. As long as sasagutin ng insursnce ninyo dahil kayo at fault yun lang ang ibinigay ang ibibigay nito wala ng traspo allowencd na kung ano-ano pa.


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Yes correct, kung ikaw may kasalanan just tell them to talk to your insurance. Insurance na din bahala dun. For me kung ako may kasalanan the most that i could do is talk to the insurance kung anu na status and maybe prod them to be faster if ever.

Pero by experience, Commonwealth is pretty spot on sa claims, reason all my vehicles are insured with them. After all your requirements casa na tatawag sau when ka naka schedule. So this letter agreement of the TS maybe the real reason for the denial. This companies have audit departments din eh, baka ma technical sila pag ina approve tapos andun sa report na may agreement pala.

[maxpedition]

Yes correct, kung ikaw may kasalanan just tell them to talk to your insurance. Insurance na din bahala dun. For me kung ako may kasalanan the most that i could do is talk to the insurance kung anu na status and maybe prod them to be faster if ever.

Pero by experience, Commonwealth is pretty spot on sa claims, reason all my vehicles are insured with them. After all your requirements casa na tatawag sau when ka naka schedule. So this letter agreement of the TS maybe the real reason for the denial. This companies have audit departments din eh, baka ma technical sila pag ina approve tapos andun sa report na may agreement pala.

Did you experience a 400k + insurance claim on commonwealth?

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[papi smith]

Spot on Sir Shadow, OD or TPL, comprehensive insurance means comprehensive [emoji16]

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[maxpedition]

Nung nabangga car ko humingi ako participation fee kasi yung bobong pulis na nagimbestiga nilagay sa police report parehas me kasalanan kahit obvious naman yung nakabangga skin dahil me kuha ng dashcam. Inaayos naman ni commonwealth insurance damage cost around 75k. Meron kami kasunduan nung nakabangga nakaindicate naman sa pinirmahan namin na sya magbabayad sa participation fee. Malaki lang amount nung ke TS kaya siguro mabusisi si insurance.

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[cast_no_shadow]

Agree with Shadow pero may stages naman talaga na ganyan sa car owners, probably first time ma-experince to add napayuhan / nakwentuhan ng ibang tao on what to do in case such occurrences.

Now ganyan na din stand ko, kasalanan ko or kasalanan mo gamitin ko insurance ko.

Laking bagay talaga may comprehensive insurance.

If mag offer sagutin ang participation/deductibles then fine. If not wag mo na pasakitin ulo mo.

Kay TS general term kasi yang Own Damage, paano niyo ba stated? Sa report/affidavit? As is pa din ba? Binangga ka? Paano niyo nilagay na OD?

Laki ng damage kaya talagang pitpitan ang laban ng insurance dyan.

Ako before na-denied din claim, hindi ko din alam na may prescribed time for reporting a claim. Naging transparent din ako sa affidavit, ayun denied due to late reporting hindi ko na lang nilaban.


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[cdl]

Agree with Shadow pero may stages naman talaga na ganyan sa car owners, probably first time ma-experince to add napayuhan / nakwentuhan ng ibang tao on what to do in case such occurrences.

Now ganyan na din stand ko, kasalanan ko or kasalanan mo gamitin ko insurance ko.

Laking bagay talaga may comprehensive insurance.

If mag offer sagutin ang participation/deductibles then fine. If not wag mo na pasakitin ulo mo.

Kay TS general term kasi yang Own Damage, paano niyo ba stated? Sa report/affidavit? As is pa din ba? Binangga ka? Paano niyo nilagay na OD?

Laki ng damage kaya talagang pitpitan ang laban ng insurance dyan.

Ako before na-denied din claim, hindi ko din alam na may prescribed time for reporting a claim. Naging transparent din ako sa affidavit, ayun denied due to late reporting hindi ko na lang nilaban.


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Yes, this is the first time nangyari samen tong ganito kalala. We used our own insurance para less hassle and in all honesty, para mas malaki ang coverage. Praktikal lang as we always have the option to choose kung kaninong insurance ang gusto natin gamitin.

Declared sya as Own Damage and they used the Police Report for other details like "binangga" kame. Any advise pano dapat namin i-file?

[cast_no_shadow]

Yes, this is the first time nangyari samen tong ganito kalala. We used our own insurance para less hassle and in all honesty, para mas malaki ang coverage. Praktikal lang as we always have the option to choose kung kaninong insurance ang gusto natin gamitin.

Declared sya as Own Damage and they used the Police Report for other details like "binangga" kame. Any advise pano dapat namin i-file?

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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[cdl]

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.

[shadow]

Kasi parang niloko nila insurance nila. OD pero reported na accident and meron involved


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[SidCoronel]

Hi guys! New member here and this is my first thread.

Need your help and advise. Our car was hit while parked last Dec. 27, 2018 along Dr. A. Santos Ave. and 4 cars kaming affected sa bilis ng takbo nung nakabangga. Total repair estimate nung sa car namin is over 500k. Kung gagamitin namin yung insurance nung nakabangga, 200k lang ang maximum na third party liability. So we decided and agreed na ung own car insurance namin ung gagamitin namin (Commonwealth Insurance). In return, we asked for 3800 and 10k for the participation fee and damages (Transpo expenses while our car is being repaired). As proof na nareceive namin yung money, we signed an agreement.

Then we filed an "Own Damage" claim sa Commonwealth. We provided all the information and requirements. They asked if we had a settlement with the third party and if we asked for any amount. Since we do not want to lie, we tell them about the agreement we had and the exact amount we asked for. We even provided them with the signed agreement.

We were informed by the daughter nung nakabangga, that Commonwealth is directly contacting them and asked them to pay 500k. Both parties were shocked since we are expecting that it will be an insurance to insurance discussion. They replied to the call and letter they received declining to pay the 500k. Sino ba naman kasi magbabayad ng ganito kalaki knowing na pareho kameng may comprehensive insurance.

After a couple of weeks, Commonwealth gets back to us and informed us that our claim is being denied due to the agreement we signed. We did not know that such internal agreement will cause our insurance coverage. Now, our insurance agent advised us to talk with their boss in Makati so we can talk to them, explained what happened in person and to be able to discuss what can be done.

Is it advisable to go directly to Insurance Commission and file a complaint against Commonwealth Insurance? Mas may chance ba kame na macover with the help of Insurance Commission or baka malagyan sila? (Found a forum somewhere na nung 2nd meeting nila, nagbago daw yung stand nung IC mediator supporting the insurance company) Any legal advise will be highly appreciated.

Thanks in advance!

A 500k lesson for you

You saved participation fee naman.

[papi smith]

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.

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[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.

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Yes, pwede din.

[papi smith]

Correction: DO NOT really want to do this to you. Hirap talaga gawa Ng mahabang post sa phone

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[shadow]

Lesson learned, huwag na mag magandang loob sa nakabangga, senior citizen, PWD or kahit pa they're dying from cancer. Kahit anong pakiusap nila, claim na agad kayo sa insurance ninyo.

And huwag na rin manglamang na dapat sila magbayad ng participation saka hingi pa allowance.

Kayo talaga magbabayad ng participation hinde sila dahil kayo ang kotse ninyo ang naka insured and hinde sa kanila.




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[leonleon]

Lesson learned, huwag na mag magandang loob sa nakabangga, senior citizen, PWD or kahit pa they're dying from cancer. Kahit anong pakiusap nila, claim na agad kayo sa insurance ninyo.

And huwag na rin manglamang na dapat sila magbayad ng participation saka hingi pa allowance.

Kayo talaga magbabayad ng participation hinde sila dahil kayo ang kotse ninyo ang naka insured and hinde sa kanila.




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Wala naman talaga pakialam ang insurance kung saan galing yung participation.

Que sa insured or sa nakabangga galing yung participation fee, that's no cause for denial of claim.

First time I've heard insurance asking for the "source" of the participation fee, and denying claim because it was the nakabangga who shouldered it.

Irregular nga na naguusisa pa sila sa "source".

I don't know the contents of the agreement TS signed, but if that's the cause of this denial, then I can only guess that it must have been worded to the detriment of the insurance company?

[shadow]

Wala nga pakialam kung sino magbayad pero sino ba ang naka insured hinde naman yun other Party, mag claim ka sa insursnce mo ikaw magbayad ng participation


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[leonleon]

Wala nga pakialam kung sino magbayad pero sino ba ang naka insured hinde naman yun other Party, mag claim ka sa insursnce mo ikaw magbayad ng participation


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Eh kung wala ako pambayad?

Some participation fees are as high as 1% of the amount insured.

1M = 10k participation fee.

Kung yung sugar mommy ko mag-offer na magbayad?

Bad ba yun?

Kelangan ko pa ba ireport sa insurance co. na di galing sa bulsa ko ang pera?

Cause for denial na ba yun?

Fraud na ba yun?