Insurance Claim procedure

[jeDi13]

I've read several threads regarding insurance claims but none contain exact answer to my question. So here's the scenario:

- vehicle at fault (car A) side swiped a vehicle at full stop (car B)
- car A is a company car, has comprehensive insurance
- car B only has TPL
- both drivers of vehicles agreed to settle for a police report and claim from insurance of car A
- driver of car B filed for a police report

Can someone state what steps to do next of car B driver? After getting the police report, where should he go and steps to accomplish?

Hope somebody can give enlightenment.

Thanks in advance.

[Gumusut_Amige]

I've read several threads regarding insurance claims but none contain exact answer to my question. So here's the scenario:

- vehicle at fault (car A) side swiped a vehicle at full stop (car B)
- car A is a company car, has comprehensive insurance
- car B only has TPL
- both drivers of vehicles agreed to settle for a police report and claim from insurance of car A
- driver of car B filed for a police report

Can someone state what steps to do next of car B driver? After getting the police report, where should he go and steps to accomplish?

Hope somebody can give enlightenment.

Thanks in advance.

sir, to start with the filed police report should indicate that car A has agreed to pay all repair costs for car B.
- if car B is an old car, go to your suking insurance accredited car repair shop for estimate but if otherwise the casa is the way to go (with car A driver presence of course).
- shop/casa estimate will be forwarded by accredited shop/casa to insurer
- without car A insurance issued LOA, shop/casa won't start any repair works for car B. you have to put pressure on its immediate release, give them a demand letter if they purposely delay the LOA issuance.
- lastly, car B driver should keep photo copied documents submitted for handy reference. don't forget also to get car A, shop/casa and insurance HP numbers for ease of communication
hth

[jeDi13]

Thanks sir Gumusut_Amige! I have follow-up questions though:

Can car B driver insist on going for the casa repair/repaint since paint color might be different if sa suking accredited car A insurance lang pupunta?

Can car B driver just go to any suking accredited car A insurance repair shop and give the police report? Or the police report should be submitted to the car A insurance?

Ahh. Medyo naintindihan ko na. For estimate lang pala muna then ifforward sa car A insurance. Then yung LOA and kailangan ni car B driver for the repair works to start.

Usually or normally, how long will it take for a car insurance to release the LOA?

[_Qwerty_]

kung magaling ang agent mo.. they can release the LOA within 2 hours.. pag babagal bagal naman.. yung iba inaabot nang 2 weeks... yung iba.. months pa..

[jeDi13]

pano po yun, TPL lang ang insurance ni car B?

[_Qwerty_]

ang may kasalanan eh si Car A.. so dapat sagot ni Car A lahat nang damage.

[jeDi13]

Thanks! No cash out pala sa side ni car B. Medyo may idea na ako sa steps. Kaso can car B driver demand for a casa repaint? Kasi what if hindi mahabol yung original paint ng car? I mean magkaiba ng shade? Repaint ba ulit? or pababayaan nalang na ganun?

[Gumusut_Amige]

Thanks! No cash out pala sa side ni car B. Medyo may idea na ako sa steps. Kaso can car B driver demand for a casa repaint? Kasi what if hindi mahabol yung original paint ng car? I mean magkaiba ng shade? Repaint ba ulit? or pababayaan nalang na ganun?

nasa usapan yan at depende sa car A insurance na yan.
kung sa original shade naman na problema mo, may available straight colors para sa specific car brand sa iyong suking car paint shop (kailangan dalhin ang sasakyan mo para matimplahan nila ng maigi kung wala). caveat... dapat per panel lang ang paint application na gagawin

[abcd0218]

Hi, in relation to the query above.. What if..

* Car A - has comprehensive insurance, bumped a parked car because of a busted tire

* Car B - no insurance.

Accident happened last March 2010. Owner of Car A communicated to owner of Car B that they coordinate with the insurance of Car A for the coverage of the costs of the damages to Car B.

By text message, Car B tells Car A that the damages amounted to almost 300k (which is kind of absurd since only the rear right wheel and part of the rear part was scratched). Owner of Car A tells Car B to again communicate with the Insurance Company since what they have is Comprehensive Insurance.

Come June 2010, Insurance Company of Car A sends a letter to owners of Car A that they are settling 100k of said damages to Car B and that they the excess should/would be shouldered by owner's of Car A and that the insurance would be released. It was also stated in the letter that attached is the copy of the assessment of the damages for Car B, but nothing came with the letter. We called up the Insurance company, and still, no copy of the assessment has arrived.

My questions are:

1. What is the procedure for claiming of coverage for damages for 3rd party? When damages to their car is being assessed, is it a requirement for a party from Car A's side to be present? Just to be able to assure that said estimates would be fair or something like that?

2. When said estimates have been done with Car B, the insurance company should send a the Insured party a copy of the assessment right? Since technically we're the one paying for it.

3. Is there a timeframe wherein a third party could file a claim?

TIA for all your replies!

[mark_t]

Hi, in relation to the query above.. What if..

* Car A - has comprehensive insurance, bumped a parked car because of a busted tire

* Car B - no insurance.

Accident happened last March 2010. Owner of Car A communicated to owner of Car B that they coordinate with the insurance of Car A for the coverage of the costs of the damages to Car B.

By text message, Car B tells Car A that the damages amounted to almost 300k (which is kind of absurd since only the rear right wheel and part of the rear part was scratched). Owner of Car A tells Car B to again communicate with the Insurance Company since what they have is Comprehensive Insurance.

Come June 2010, Insurance Company of Car A sends a letter to owners of Car A that they are settling 100k of said damages to Car B and that they the excess should/would be shouldered by owner's of Car A and that the insurance would be released. It was also stated in the letter that attached is the copy of the assessment of the damages for Car B, but nothing came with the letter. We called up the Insurance company, and still, no copy of the assessment has arrived.

My questions are:

1. What is the procedure for claiming of coverage for damages for 3rd party? When damages to their car is being assessed, is it a requirement for a party from Car A's side to be present? Just to be able to assure that said estimates would be fair or something like that?

Read the insurance policy, the claim procedure will be the same
as claiming for ctpl, own damage or BI/PD.(You will follow one procedure
and the same set of requirements)

It is not a requirement for the Car A party to be present as there are adjusters
who will be available to do the job. But if Car A party refuses to acknowledge
the damage so will the insurer.

2. When said estimates have been done with Car B, the insurance company should send a the Insured party a copy of the assessment right? Since technically we're the one paying for it.

The repair estimate is sent by the Casa to the insurance co. for
a LOA. Subject to the limits of the policy.(If you want a copy
of the repair estimate you will request a copy from the casa,
the insurance co. will not forward it to you as you can get your
own copy if you want. Simply it is not for you.)

3. Is there a timeframe wherein a third party could file a claim?

Yes, within 24 hours would be a reasonable time frame to make
the report and 7 days to file for a claim( all insurers have a 24hour
hotline to service claims). Beyond this time you will
be opening yourself for technicalities for a denial of your claim.


TIA for all your replies!

It seems you have a policy with a 100,000php BI/PD cover.
Did you not discuss this with your broker? If not, this
is one of the pitfalls of having a non compliant policy.
You do not have adequate TPL cover.

I maybe wrong.