insurance claim questions

**basucat** · October 18th, 2015 03:22 PM

Originally Posted by thedorkknight

Question: nabangga kasi ako ng another car. Assessment from the casa for total repair was 151k. Dumating yung assessment ng insurance na ang amount lang ay 56k. And then confused lang ako bakit Own Damage ang nature of claim samantalang complete kami ng police report clearly stating the other party was at fault. What to do? Ang laki kasi ng difference ng assessment nila baka maapektuhan yung performance nung kotse. Salamat!

Kung sa insurer mo nag claim ka, under Own Damage yan. Bayad ka ng deductible at depreciation. Pag nakarecover ng insurer mo sa nakabangga sa iyo, balik nila yung proportional share mo.

Kung sa insurer ng nakabangga sa iyo ka nag claim, walang deductible at depreciation. Yung nga lang mas matagal mag claim.

Yung diference sa assessment ay dahil marami sinasama ang casa na sa tingin ng insurer di naman sira or kailangan i-replace. Minsan, habang ina-assess kung dapat palitan or sira, deduct muna nila sa LOA at indicate nila as "Reserve". Pag talagang sira, advise ng casa ang insurer mo na kailangan idagdag. Issue ang insurer ng additional LOA.

Basta wag ka papayag na di tama ang repairs na ginawa sa kotse mo. Ipilit mo kung talagang dapat gawin.

**Ampengskie** · January 6th, 2016 02:31 PM

Question mga boss, my car was hit by a motorcycle. Got the plate and confirmed na ang driver ay minor at walang license. Since holiday nga at medyo malayo police station, baranggay kami nagpnta and agreed sya na magbayad ng 5k which is nasa akin na. Tapos nagpagawa ako police report para sa insurance claims, gusto ko sana palabasin hit and run para din di na lumake pa kaso prob daw sa record nila dahil open case, so ginawa na self inflicted ung damage sa police report, valid ba yun for a claim? Or kelangan ko mag ask for another 1? At affidavit? Thanks!!

**shadow** · January 6th, 2016 02:35 PM

Originally Posted by Ampengskie

Question mga boss, my car was hit by a motorcycle. Got the plate and confirmed na ang driver ay minor at walang license. Since holiday nga at medyo malayo police station, baranggay kami nagpnta and agreed sya na magbayad ng 5k which is nasa akin na. Tapos nagpagawa ako police report para sa insurance claims, gusto ko sana palabasin hit and run para din di na lumake pa kaso prob daw sa record nila dahil open case, so ginawa na self inflicted ung damage sa police report, valid ba yun for a claim? Or kelangan ko mag ask for another 1? At affidavit? Thanks!!

Bakit kasi kung ano-anu pa dapat gusto mo I-file? Meron ka naman insurance

Kuha ka na lang ng totoong police report Kung ano nangyari then file it sa insurance mo. Tapos problema.

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**SkyFlakes88** · January 6th, 2016 02:55 PM

Originally Posted by Ampengskie

Question mga boss, my car was hit by a motorcycle. Got the plate and confirmed na ang driver ay minor at walang license. Since holiday nga at medyo malayo police station, baranggay kami nagpnta and agreed sya na magbayad ng 5k which is nasa akin na. Tapos nagpagawa ako police report para sa insurance claims, gusto ko sana palabasin hit and run para din di na lumake pa kaso prob daw sa record nila dahil open case, so ginawa na self inflicted ung damage sa police report, valid ba yun for a claim? Or kelangan ko mag ask for another 1? At affidavit? Thanks!!

Seems that you were already paid for the damage so why claim it?

**dr. d** · January 6th, 2016 07:01 PM

Originally Posted by Ampengskie

Question mga boss, my car was hit by a motorcycle. Got the plate and confirmed na ang driver ay minor at walang license. Since holiday nga at medyo malayo police station, baranggay kami nagpnta and agreed sya na magbayad ng 5k which is nasa akin na. Tapos nagpagawa ako police report para sa insurance claims, gusto ko sana palabasin hit and run para din di na lumake pa kaso prob daw sa record nila dahil open case, so ginawa na self inflicted ung damage sa police report, valid ba yun for a claim? Or kelangan ko mag ask for another 1? At affidavit? Thanks!!

1. if the 5K already adequately covered the repair, why do you want to be paid, again?
if the 5K does not adequately cover the repair expenses, claim against your insurance. reveal all details truthfully.
antagonist being a minor... i do not think that will increase or decrease the amount of monies due you...

2. make it to appear as hit-and-run..? there are at least two witnesses to the otherwise. why lie? just say it like it is.

errr... am i missing something here.. something which might explain why you are attempting to...?