Help paano gawin sa insurance.

[cast_no_shadow]

This is what the forum is for. We all have different cases when claiming for insurance naman. I got a lot of help here when I claimed for the first time. And I've been driving for over a decade.

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Yep every experience is a learning, glad for tsikot magbasa ka lang may matututunan ka na.

Like this year I learned that you need to file or i form your insurance that you got involved on an incident. Claim will be denied if late reporting ka. Like mine i filed a claim after ilang months ayun denied.

Its not about coverage daw, late reporting is deemed denied.

At TS per incident ang claim, ipanalangin mo (huwag naman sana) na next damage mo eh same panels involved lang. Sa repair it will be covered since isang panel lang siya.

My bumper got damaged makaibang sides, magkaibang incidents.

Eh for replacement na ayun no bearing if 2 different incidents. Isang claim na lang ginawa ko.


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[Sayu]

Yep every experience is a learning, glad for tsikot magbasa ka lang may matututunan ka na.

Like this year I learned that you need to file or i form your insurance that you got involved on an incident. Claim will be denied if late reporting ka. Like mine i filed a claim after ilang months ayun denied.

Its not about coverage daw, late reporting is deemed denied.

At TS per incident ang claim, ipanalangin mo (huwag naman sana) na next damage mo eh same panels involved lang. Sa repair it will be covered since isang panel lang siya.

My bumper got damaged makaibang sides, magkaibang incidents.

Eh for replacement na ayun no bearing if 2 different incidents. Isang claim na lang ginawa ko.


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Kung ikaw ay ako, ipapagawa mo na ba sa casa yung sakin?

[dr. d]

Kung ikaw ay ako, ipapagawa mo na ba sa casa yung sakin?

tanungin mo ako, sir.
ang sagot ko ay, "binayaran mo yang insurance, gamitin mo. wala namang limit kung ilang beses puede gamitin sa isang taon, e. basta lang huwag lalampas sa quoted limit na nakasaad sa kuntrata".

[Sayu]

tanungin mo ako, sir.
ang sagot ko ay, "binayaran mo yang insurance, gamitin mo. wala namang limit kung ilang beses puede gamitin sa isang taon, e. basta lang huwag lalampas sa quoted limit na nakasaad sa kuntrata".

Salamat dr. d. KUng next ko ba to ipagagawa ay walang magiging problem sa car or affidavit? Kelangan kasi gamitin yung car this saturday.

[Sayu]

Makukuha pa ba to sa rubbing?

[dr. d]

Makukuha pa ba to sa rubbing?

"kung nakakapa na ng kuko, ay malamang ay hindi na makukuha sa rubbing."
sa picture lang, ay mukhang kapang kapa na nang lalim. at mukhang may yupi pa nga.

[Sayu]

No choice kung hindi pwede. Casa na to next week.

[dr. d]

Salamat dr. d. KUng next ko ba to ipagagawa ay walang magiging problem sa car or affidavit? Kelangan kasi gamitin yung car this saturday.

naku ser. depende yan sa "next... when".
palagay ko naman ay hindi yan agad-agad ma-pa-paso. but...
kuha na kayo ng kopya ng insurance contract ninyo. naka-saad doon ang mga limitations of the contract. baka kayo ma-deny dahil hindi nyo nai-claim agad, etc.
hindi ko alam ang mga detalyeng pino ng kuntrata.

[Sayu]

naku ser. depende yan sa "next... when".
palagay ko naman ay hindi yan agad-agad ma-pa-paso. but...
kuha na kayo ng kopya ng insurance contract ninyo. naka-saad doon ang mga limitations of the contract. baka kayo ma-deny dahil hindi nyo nai-claim agad, etc.
hindi ko alam ang mga detalyeng pino ng kuntrata.

I mean kung sa next week ko ipapagawa.

[dr. d]

I mean kung sa next week ko ipapagawa.

yespo. that is what i meant.
mukhang hindi naman ma-pa-pasoh ang insurance claim kung isang linggo lang.
but it is always nice to have that insurance contract to refer to. it does remove all doubt.