How to claim for multiple own damages?

**Car me maybe** · February 19th, 2015 12:05 PM

Hi,

I heard that some people claim their insurance when they already accumulated damages (usually small scratches, deep or not). This was said by an SA. I'm not sure how to report that to the insurance company or to have that written down in the affidavit.

How should I report this? Should I file for each incident? If yes, would that mean paying a participation fee for each one?

Guys, what advice can you give?

Thanks

**dr. d** · February 19th, 2015 02:34 PM

just say it like what you said here. file it under "self-damage".
the insurance companies and the insureds have been doing this for a long time. you are just one of many..
on participation fee... this is where you practice your tawad prowess..
you may end up doing washover..
good luck.

**maki mi** · February 19th, 2015 02:44 PM

Pano nga ba ito? Na try ko na mag file ng single claim for 2 accidents dati, ginawan na lang ng istorya kung pano nangyari kasi may tama na malayo sa iba. Pero kung madami talaga, pwede kaya palusot na vandalism para 1 participation fee pa rin?

**dr. d** · February 19th, 2015 02:49 PM

Originally Posted by maki mi

Pano nga ba ito? Na try ko na mag file ng single claim for 2 accidents dati, ginawan na lang ng istorya kung pano nangyari kasi may tama na malayo sa iba. Pero kung madami talaga, pwede kaya palusot na vandalism para 1 participation fee pa rin?

a lot really depends on how friendly your relationship with your insurance company, is..
but your story of one vehicular and one vandal seems ok.. i mean, how will they prove it ain't ?
besides, we all know how much the repair job really costs and how much their paperwork will show it to be.. there's really a lot of elbow room to haggle in..

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Originally Posted by maki mi

Pano nga ba ito? Na try ko na mag file ng single claim for 2 accidents dati, ginawan na lang ng istorya kung pano nangyari kasi may tama na malayo sa iba. Pero kung madami talaga, pwede kaya palusot na vandalism para 1 participation fee pa rin?

a lot really depends on how friendly your relationship with your insurance company, is..
but your story of one vehicular and one vandal seems ok.. i mean, how will they prove it ain't ?
besides, we all know how much the repair job really costs and how much their paperwork will show it to be.. there's really a lot of elbow room to haggle in..

**itoys** · February 25th, 2015 07:25 PM

My Case:
4 incidents (1 bumper own damage, 3 incidents of vandal, syempre iba ibang itsura ng gasgas at linya)
Contact your insurance coordinator, gawa kayo ng kwento (kailangan ng pampadulas).
2 incident lang, 8 panels.
Na acts of god un mga gasgas dahil daw sa bagyo

Un bumper mahirap daw palabasin nabagyo

Friend's Case:
may hairline na gasgas na hindi talaga visible at gusto na ipagawa, ginawa ng coordinator, ginasgasan na ng malalim.
1 incident lang to pero nasa coordinator mo pano gagawan ng scenario.

- - - - - - - - - - - - - - - - - - - - - -

My Case:
4 incidents (1 bumper own damage, 3 incidents of vandal, syempre iba ibang itsura ng gasgas at linya)
Contact your insurance coordinator, gawa kayo ng kwento (kailangan ng pampadulas).
2 incident lang, 8 panels.
Na acts of god un mga gasgas dahil daw sa bagyo

Un bumper mahirap daw palabasin nabagyo

Friend's Case:
may hairline na gasgas na hindi talaga visible at gusto na ipagawa, ginawa ng coordinator, ginasgasan na ng malalim.
1 incident lang to pero nasa coordinator mo pano gagawan ng scenario.

**KingReyes** · February 25th, 2015 10:48 PM

Originally Posted by itoys

My Case:
4 incidents (1 bumper own damage, 3 incidents of vandal, syempre iba ibang itsura ng gasgas at linya)
Contact your insurance coordinator, gawa kayo ng kwento (kailangan ng pampadulas).
2 incident lang, 8 panels.
Na acts of god un mga gasgas dahil daw sa bagyo

Un bumper mahirap daw palabasin nabagyo

Friend's Case:
may hairline na gasgas na hindi talaga visible at gusto na ipagawa, ginawa ng coordinator, ginasgasan na ng malalim.
1 incident lang to pero nasa coordinator mo pano gagawan ng scenario.

- - - - - - - - - - - - - - - - - - - - - -

My Case:
4 incidents (1 bumper own damage, 3 incidents of vandal, syempre iba ibang itsura ng gasgas at linya)
Contact your insurance coordinator, gawa kayo ng kwento (kailangan ng pampadulas).
2 incident lang, 8 panels.
Na acts of god un mga gasgas dahil daw sa bagyo

Un bumper mahirap daw palabasin nabagyo

Friend's Case:
may hairline na gasgas na hindi talaga visible at gusto na ipagawa, ginawa ng coordinator, ginasgasan na ng malalim.
1 incident lang to pero nasa coordinator mo pano gagawan ng scenario.

Insurance Fraud 101? Haha! :groupwave: