Insurance Claim (Newbie)

[dhisky]

First time car owner here, Just want to ask for the procedures if an accident happened (wag naman sana) so hindi ako maiisahan ng mga car involves.

Scenarios:

1.) Nasabitan ako, tinakbuhan ako (hit and run). Do I need to wait for the police on the place where the car hit me or I can just go straight to the precinct to ask for a police report?

2.) Nakasabit ako ng ng sasakyan, kasalanan ko. My insurance will shoulder all the expense para ipaayos ang sasakyang nasabitan ko and I will only pay for the participation fee, I need police report right?

3.) Nabannga ako ni manong jeepney driver wala syang insurance, and just gave me 1k instead, Paano procedure nito? Do I need a police report? What will I say to my insurance company?

4.) Own damage, nag ppark ako at may tinamaan ako poste, kelangan ba ng police report?

Hope someone can answer these questions.

Thanks

[cast_no_shadow]

First time car owner here, Just want to ask for the procedures if an accident happened (wag naman sana) so hindi ako maiisahan ng mga car involves.

Scenarios:

1.) Nasabitan ako, tinakbuhan ako (hit and run). Do I need to wait for the police on the place where the car hit me or I can just go straight to the precinct to ask for a police report?

2.) Nakasabit ako ng ng sasakyan, kasalanan ko. My insurance will shoulder all the expense para ipaayos ang sasakyang nasabitan ko and I will only pay for the participation fee, I need police report right?

3.) Nabannga ako ni manong jeepney driver wala syang insurance, and just gave me 1k instead, Paano procedure nito? Do I need a police report? What will I say to my insurance company?

4.) Own damage, nag ppark ako at may tinamaan ako poste, kelangan ba ng police report?

Hope someone can answer these questions.

Thanks

1. If may oras ka to go to the nearest precinct and get one, if not notarized affidavit will do

2. No idea, good question

3. Get the 1k kaso parang settlement na yan, depende yan sa police report if he agreed na kasalanan niya kaso dyan papasok yung 1k na binayad sayo, ano stated sa report?

no police report?again affidavit will do.

4. own damage affidavit will do again.

[dhisky]

Thanks CNS.

So in absence of a police report, affidavit will do? and accept-in kaya ng insurance company kahit walang police report?

May nababasa kasi ako na nagmamadali yung nakasabit and walang time para asikasuhin ang police report pero end up na wrong contact number pala yung binigay so wala ng habol.

Sana may maka sagot ng #2.

[dhisky]

double post

[Roden Villegas]

Usually kapag may third party na involved kelangan ng poilce report.

So that will answer your question No. 2.

Nasusulat kasi dun kung ano ang nangyari at kung ano ang napagkasunduan kung meron man.

[Roden Villegas]

Usually kapag may third party na involved kelangan ng poilce report.

So that will answer your question No. 2.

Nasusulat kasi dun kung ano ang nangyari at kung ano ang napagkasunduan kung meron man.

[nhiecah_nice29]

For 1 and 4, Since you will file "own damage" claim you need a police report or affidavit stating the accident happened to your vehicle. Important details po are the time, date and place of loss. May ibang insurance company na hindi na kailangan ng police report or affidavit kapag own damage claim lang, i-fill out mo lang yung form na ibibigay nila. Ask your insurance provider if may ganun sila.

2. Yes you need a police report that clearly states na ikaw yung at fault sa accident para i-shoulder ng insurance mo yung expenses ng Third party. Your Third party also needs to submit a copy of his ORCR and DL and Certificate of No Claim from their insurance, TPL or comprehensive.

3. if tinanggap mo yung 1 K, it means na okay ka na po dun sa binigay nya and hindi mo na sya hahabulin pa, pwede mong i-file yung claim as own damage, sabihin nyo na lang po na hit and run sa insurance company. Kailangan nyo pa rin po ng police report or affidavit. Yung 1K na binigay sa inyo i-dagdag nyo na lang po sa participation fee ninyo.

[1D4LV]

1. yes, or a notarized claim affidavit will do.
2. yes.
3. same as #1.
4. yes, same as #1.

First time car owner here, Just want to ask for the procedures if an accident happened (wag naman sana) so hindi ako maiisahan ng mga car involves.

Scenarios:

1.) Nasabitan ako, tinakbuhan ako (hit and run). Do I need to wait for the police on the place where the car hit me or I can just go straight to the precinct to ask for a police report?

2.) Nakasabit ako ng ng sasakyan, kasalanan ko. My insurance will shoulder all the expense para ipaayos ang sasakyang nasabitan ko and I will only pay for the participation fee, I need police report right?

3.) Nabannga ako ni manong jeepney driver wala syang insurance, and just gave me 1k instead, Paano procedure nito? Do I need a police report? What will I say to my insurance company?

4.) Own damage, nag ppark ako at may tinamaan ako poste, kelangan ba ng police report?

Hope someone can answer these questions.

Thanks

[1D4LV]

1. yes, or a notarized claim affidavit will do.
2. yes.
3. same as #1.
4. yes, same as #1.

First time car owner here, Just want to ask for the procedures if an accident happened (wag naman sana) so hindi ako maiisahan ng mga car involves.

Scenarios:

1.) Nasabitan ako, tinakbuhan ako (hit and run). Do I need to wait for the police on the place where the car hit me or I can just go straight to the precinct to ask for a police report?

2.) Nakasabit ako ng ng sasakyan, kasalanan ko. My insurance will shoulder all the expense para ipaayos ang sasakyang nasabitan ko and I will only pay for the participation fee, I need police report right?

3.) Nabannga ako ni manong jeepney driver wala syang insurance, and just gave me 1k instead, Paano procedure nito? Do I need a police report? What will I say to my insurance company?

4.) Own damage, nag ppark ako at may tinamaan ako poste, kelangan ba ng police report?

Hope someone can answer these questions.

Thanks