Insurance Claim

[Juan Martinez]

Per checking, policy coverage that will respond to your claim
with date of accident 01/22/2016 is your previous policy with coverage
period of 01/29/2015 - 01/29/2016 with a participation fee amounting to
P6412.50. Your participation fee amounting to P3760.00 is for your policy
coverage for 01/29/2016 - 01/29/2017.

WTF bakit nagbago bro. that's a huge jump down. why the previous was too big? check your old policy.

thing like this aggravates my personal growing distrust of ICs.

[nhiecah_nice29]

gusto ko lang naman sana mapakinabangan yung insurance kahit papaano. i was paying for it anyways and to have peace of mind just in case kaso sintemyento yata ang ibibigay sa akin nito

update;

i sent an email last night and asked about it, they replied;

Hi Sir Arnold,

Good morning! Per checking, policy coverage that will respond to your claim
with date of accident 01/22/2016 is your previous policy with coverage
period of 01/29/2015 - 01/29/2016 with a participation fee amounting to
P6412.50. Your participation fee amounting to P3760.00 is for your policy
coverage for 01/29/2016 - 01/29/2017.

Thank you.


what?! i tried calling the hot line this morning to no avail, damn hot line!
kung kailan paalis pa naman ako and i would be busy the whole day.

Sir kahit po base sa last year policy nyo yung participation fee, hindi po dapat P 6,412.5 yung pf unless na P 1,282,500 yung sum insured nyo last year. Sa policy nyo kasi ngayon .5 of the Sum insured (752k) yung binigay sa inyo na pf. Since renewal account po kayo kung anong terms or pf nyo last year yun din susundin upon renewal. Kaya po dapat .5 of the sum insured last year yung pf nyo ngayon upon claim. Check your last year's policy Sir. Estimate ko po na sum insured for your vehicle last year is P 875k kaya dapat po nasa P 4375 po yun pf ninyo if base sa .5 yung computation.

[soulfly023]

Yun lang magkaiba pala participation fee mo,

[khenma0928]

Saan dapat mag send ng LOA ang insurance company? Sa binilhan ko ng car which is peak motors or sa pinagpapaservisan ko ngaun which is super fast motors... Eto kasi ung malapit samin.

[machine.pistol]

Superfast.

[benchman]

update;

home and i scoured my files and found my previous policy. they were right,,, there i found out it's 6,412.50 my deductible nga.
policy period covered from jan 29,2015 to jan 29, 2016. accident happened at jan 22, 2016,,, yaiks sayang, isang linggo na lang halos pala ang pagitan. life!
upset but what can i do, oh well... now it's casa/claims or suking talyer but obviously it could be the latter. i haven't replied the last email they sent me sa inis ko haha,,, though i was thinking if i should change my mind casa,,,, talyer, talye,,,,,casa. hanapin ko muna yung dati kong pintor.

i do really appreciated all your comments here. thank you mga sir/ma'am

and here is the b!tch btw, mind to help me burn?

[Juan Martinez]

^bro, if you pay for the pf, better go for the casa

[benchman]

^bro, if you pay for the pf, better go for the casa

yes, what i meant bro that if casa, i give the claims a GO along with my pf. but let me see until i talked to my suking pintor/talyer. never seen him quite a long time.

[nicolite]

Tanong ko lang 4years and 10months old na kotse ko matatapos ko ng bayaran sa bank this coming May 2016, binasag both headlights ko habanag naka park sa commonwealth market, sa policy ko 2,+++ yung participation fee ko, pag claim ko ba sa in house insurance ko sa Casa (standard) 2,+++php pa din ba babayaran ko to change both of my headlights? kasi nakapag pa hilamos na ako dahil sa mga gas gas 3,500php pa particiapation ko nun lang din binayaran ko magiiba kapag more than 3 years na yung kotse ko? naka tape lang both of my headlights hindi ko magamit sa gabi

[dishcom]

Yung people ang bagal mag approve.. almost 2 weeks na hindi parin approve ang na damage kung susian..

[soulfly023]

Participation plus depreciation babayaran mo, nasa Policy ang schedule kung ilang percent ang idadagdag sa babayaran. Kung gusto mo ng participation lang may option ka na surplus ipapalit

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[Sebastian Bach]

Hello, I'm still a noob regarding claiming insurance so I'm gonna need a help for info.

My right passenger door got a long deep scratch, about 15inches last week due to vandalism, bale 1 panel. Pero yung 3 panels beside it ay gusto ko rin sana ipasabay na kasi may door dings, dIY fixed scratches at stone chips but tolerable for me naman, yung bago lang talaga hindi ko matiis.

1. Possible ba na ganito gawin ko, create a whole deep scratch covering all those 4 panels? Para magmukang isa lang gumawa lahat then claim it as Vandalism?

2. It will count as 1 whole incident = 1 participation fee right? or 1 panel per incident yun?

3. May possibility ba na ma deny kung sakali? Coz if I'll opt to just have that 1 deep scratched panel repainted sa talyer, it will just cost me 2.5K. Medyo edge of a cliff decision.

Gusto ko sana isabay2 nalang lahat pa repaint sa casa thru insurance, medyo OC kasi ako.
Maraming salamat po sa makakatulong!

Insurance: BPI MS Insurance, 3.9K participation fee.

[dr. d]

Hello, I'm still a noob regarding claiming insurance so I'm gonna need a help for info.

My right passenger door got a long deep scratch, about 15inches last week due to vandalism, bale 1 panel. Pero yung 3 panels beside it ay gusto ko rin sana ipasabay na kasi may door dings, dIY fixed scratches at stone chips but tolerable for me naman, yung bago lang talaga hindi ko matiis.

1. Possible ba na ganito gawin ko, create a whole deep scratch covering all those 4 panels? Para magmukang isa lang gumawa lahat then claim it as Vandalism?

2. It will count as 1 whole incident = 1 participation fee right? or 1 panel per incident yun?

3. May possibility ba na ma deny kung sakali? Coz if I'll opt to just have that 1 deep scratched panel repainted sa talyer, it will just cost me 2.5K. Medyo edge of a cliff decision.

Gusto ko sana isabay2 nalang lahat pa repaint sa casa thru insurance, medyo OC kasi ako.
Maraming salamat po sa makakatulong!

Insurance: BPI MS Insurance, 3.9K participation fee.

just be honest about the whole thing, sir. it is always the best policy.
you may inquire from your insurance agent, re. hilamos promo.
or you can inquire from local pintors. they are usually cheaper than insurance.

[akosieric]

Please help me. Nagpatulong ako magpark sa kaibigan ko dahil hindi pa ako marunong. unfortunately instead of break naaccelerate nya at bumaga ang sasakyan ko. pwede ba ito sa insurance? please reply asap. someone from other thread replied through own damage coverage. kailangan ung license nung kaibigan ko ung ibigay ko db? anong mangyayari sa kanya?

[Manilablock]

Please help me. Nagpatulong ako magpark sa kaibigan ko dahil hindi pa ako marunong. unfortunately instead of break naaccelerate nya at bumaga ang sasakyan ko. pwede ba ito sa insurance? please reply asap. someone from other thread replied through own damage coverage. kailangan ung license nung kaibigan ko ung ibigay ko db? anong mangyayari sa kanya?

Kung wala naman ibang tetestigo at i-claim mo as self accident, palabasin mo na ikaw na ang driver, para sa pipirnahan ikaw na lang. Same lang naman din ang coverage kung ung car owner ang nag drive or driver.

[Synth007]

Hello, I'm still a noob regarding claiming insurance so I'm gonna need a help for info.

My right passenger door got a long deep scratch, about 15inches last week due to vandalism, bale 1 panel. Pero yung 3 panels beside it ay gusto ko rin sana ipasabay na kasi may door dings, dIY fixed scratches at stone chips but tolerable for me naman, yung bago lang talaga hindi ko matiis.

1. Possible ba na ganito gawin ko, create a whole deep scratch covering all those 4 panels? Para magmukang isa lang gumawa lahat then claim it as Vandalism?

2. It will count as 1 whole incident = 1 participation fee right? or 1 panel per incident yun?

3. May possibility ba na ma deny kung sakali? Coz if I'll opt to just have that 1 deep scratched panel repainted sa talyer, it will just cost me 2.5K. Medyo edge of a cliff decision.

Gusto ko sana isabay2 nalang lahat pa repaint sa casa thru insurance, medyo OC kasi ako.
Maraming salamat po sa makakatulong!

Insurance: BPI MS Insurance, 3.9K participation fee.

If you have the guts to stage this act like scratching your car to make it look like 1 accident... by all means pwede yan. I think its your consience that will hunt you afterwards... and to think na gagasgasan mo yun baby mo waaah

What you can do is to ask the service advisor if he could include the other panel on the estimate though it may or may not be approved .

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[dreamur]

Execute an affidavit and tell the truth. Claim against your OD and pay the PF.

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[veyzonline]

Execute an affidavit and tell the truth. Claim against your OD and pay the PF.

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Kanino po ako magsasabi ng totoo? Dun sa attorney o sa insurance o parehas? Thanks po sa fast reply

[dreamur]

Prepare your own affidavit detailing what happened, have it notarized by a notary public and submit to the insurance company. I assume you have own-damage coverage.

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[Synth007]

Some insurance company doesnt need affidavit. They just need you to fill-up the application where in you have to relay what happen on the scene. Ask your insurance first on the requirements. Regarding the truth, kung ano nasa affidavit yun ang sasabihin mo sa insurance. They should be on the same page. File it as own damage na lang or if you like to go with an alibi, make it like when you arrive ganun na sya pero consider the damages din. Usually insurance needs picture of the damage part, or/cr and repair estimate. They also do their own estimation of the damage afterwards.

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