HELP: Commonwealth Insurance denying coverage

[leonleon]

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.

[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.

[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.

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[shadow]

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?

Kung wala ka pang bayad ng participation dapat huwah na rin mag kotse.

Saka ibang issue yun sugar mommy mo magbayad or si Vice Ganda. Ang sinasabi ko huwag na ipapasa sa nakabangga para makalamang.





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[leonleon]

Kung wala ka pang bayad ng participation dapat huwah na rin mag kotse.

Saka ibang issue yun sugar mommy mo magbayad or si Vice Ganda. Ang sinasabi ko huwag na ipapasa sa nakabangga para makalamang.





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I get your point, bro.

Pero di naman panlalamang talaga yung paghingi ng konting danyos.

Kasi siya may kasalanan, siya bumangga sa iyo, tapos ikaw naperhuwisyo ng todo.

Tapos yung nakabangga, di natuto, kamote pa rin mag drive.

Ilang oras kayo sa police station, nagugutom ka na at sinisikmura, tapos mababawasan ka pa pera (participation), di mo pa magamit sasakyan mo (gagawin sa shop) ng ilang araw or weeks.

So it's only human nature I guess, to teach the offending party a lesson in the form of monetary reimbursement.

Kung pwede lang sana ipakulong kahit 24 hours lang.

[shadow]

I get your point, bro.

Pero di naman panlalamang talaga yung paghingi ng konting danyos.

Kasi siya may kasalanan, siya bumangga sa iyo, tapos ikaw naperhuwisyo ng todo.

Tapos yung nakabangga, di natuto, kamote pa rin mag drive.

Ilang oras kayo sa police station, nagugutom ka na at sinisikmura, tapos mababawasan ka pa pera (participation), di mo pa magamit sasakyan mo (gagawin sa shop) ng ilang araw or weeks.

So it's only human nature I guess, to teach the offending party a lesson in the form of monetary reimbursement.

Kung pwede lang sana ipakulong kahit 24 hours lang.

My point is it's still accident. Wala pa rin may gusto mangyari.

Lesson for them probably would be na habulin talaga ng insurance mo yun taong involved.


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[papi smith]

Hula ko lang ha, it was worded plainly and effectively na quits na ang nakabangga. So Wala na talagang habol ang nabangga or any of it's representatives, in this case, the insurance company

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[leonleon]

Hula ko lang ha, it was worded plainly and effectively na quits na ang nakabangga. So Wala na talagang habol ang nabangga or any of it's representatives, in this case, the insurance company

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That is a possibility, I agree.

[cast_no_shadow]

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.


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[leonleon]

Nakakacurious tuloy kung ano wordings ng agreement na yun.

Baka lawyer yung nakabangga kaya alam paano wordings na wala na siyang liability ever.

[cast_no_shadow]

Nakakacurious tuloy kung ano wordings ng agreement na yun.

Baka lawyer yung nakabangga kaya alam paano wordings na wala na siyang liability ever.

Pero may weight nga ba yun?

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


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[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?


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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.

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[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]

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.

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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!

[maxpedition]

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

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[cdl]

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

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

[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.


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[shadow]

[emoji3061]


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[shadow]

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


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[sirkosero]

Ako meron. For a life insurance claim that was taking ages.

But yung pila was forever.

Then an uncle helped us talk to the right people from his contacts. Never bothered to know why he knew high people in IC until today, i googled his name today to find out he was a one of the bossings of commonwealth

So, i cant reply here anymore. Goodluck on your case btw.

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