insurance claim questions

**ronv** · July 29th, 2015 01:56 PM

hit and run ng taxi on july 25
reported(hit and run) at police station and insurance
may cost of repairs na po from casa, 14k+
partipication fee is 2k

questions:
magkano ang reasonable na payment for damages,sa abala(sabi sa casa, once kumpleto na ang parts,3-4 days ang repair), at sa other expenses related sa accident na ito?

kung hindi kaya magbayad ng operator ng lahat ng amount ng damages, ano po ang (minimum range) na pwede niyang sagutin?

anong documents lang po ang pwede kong pirmahan(kung papipirmahan ako ng taxi operator),para hindi ako magkaproblema sa pag-claim sa inruance?

paano na yung report sa insurance pag nagkaayos sa police station,papalitan ba yung requirements na isusubmit?

kung magkaayos sa police station, denied ba yung claim ko?

thanks!

**Juan Martinez** · July 29th, 2015 02:09 PM

always remember this: a contract of insurance is a contract of indemnity. so, kung nagkaayusan na at nag execute na nang desistance, there is a great probability that you may not get anything from the insurance company kasi nagkaayusan na eh. technically, you don't need to be idemnified by the insurer considering na nagkaayusan na, wala ng damage. moreover, you also deny the insurer of the its right to go against the salarin. that is what we call the right of the insurer to subrogation. so be careful in dealing with a situation like this. before taking any action, you go to your insurance company and seek advice.

**nhiecah_nice29** · July 29th, 2015 06:27 PM

Sir since you will file an "own damage" claim.. pwede mo po ipa-sagot sa operator/taxi yung participation fee na P 2K padagdagan mo na lang po siguro ng mga P 1-2K para sa "abala" na hindi mo magagamit yung car habang nasa casa. Gumawa na lang po kayo ng affidavit or any kasulatan na binigyan ka na ng operator/taxi driver ng amount nahiningi mo sa kanya. Sa insurance naman po, since hit and run yung nakalagay sa police report wag nyo na po ipaalam sa kanila na nakatanggap na kayo ng money from the TP. isubmit nyo lang po yung police report indicating the "hit and run", your DL, ORCR of the vehicle, and picture's if needed.

**ronv** · July 30th, 2015 01:00 AM

Sorry kung mahaba ito.
new experience for me so i appreciate all your replies.

hit and run on july 25(sat),got plate number at name of taxi.
reported sa police station that night.
fill-up ako ng salaysay pero walang pipirma kaya ipa-notaryo ko daw sa labas at ibalik sa lunes.
gumawa ang police ng letter for lto office(records section) to verify the owner of taxi.
dalhin ko daw sa lto office.
after getting the record printout, binigay ko sa police ang record kasbay ng notarized salaysay.
gumawa ulit ng letter asking the taxi operator to appear at the police station on aug.3

natawagan ko din ang insurance claims dept.
nasabi ko over the phone na hit and run at nakuha ko ang plate number,pero hindi ko nabanggit ang plate number.
wala pa akong na-submit na documents sa insurance.

since 6 months pa lang ang sasakyan,pinakuha ako ng repair cost from dealer, around 14k.

Questions:
What is the BEST thing to do para maayos kaagad ang aming sasakyan?
nagiging delayed ba ang insurance claims kung may hahabulin/kakasuhan ang insurance?
kasi kung delayed,hindi ko na ibibigay sa insurance ang plate number ng taxi.pero nasabi ko na sa police,so paano din yun?

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Sorry kung mahaba ito.
new experience for me so i appreciate all your replies.

hit and run on july 25(sat),got plate number at name of taxi.
reported sa police station that night.
fill-up ako ng salaysay pero walang pipirma kaya ipa-notaryo ko daw sa labas at ibalik sa lunes.
gumawa ang police ng letter for lto office(records section) to verify the owner of taxi.
dalhin ko daw sa lto office.
after getting the record printout, binigay ko sa police ang record kasbay ng notarized salaysay.
gumawa ulit ng letter asking the taxi operator to appear at the police station on aug.3

natawagan ko din ang insurance claims dept.
nasabi ko over the phone na hit and run at nakuha ko ang plate number,pero hindi ko nabanggit ang plate number.
wala pa akong na-submit na documents sa insurance.

since 6 months pa lang ang sasakyan,pinakuha ako ng repair cost from dealer, around 14k.

Questions:
What is the BEST thing to do para maayos kaagad ang aming sasakyan?
nagiging delayed ba ang insurance claims kung may hahabulin/kakasuhan ang insurance?
kasi kung delayed,hindi ko na ibibigay sa insurance ang plate number ng taxi.pero nasabi ko na sa police,so paano din yun?

**Gecko Guy** · July 30th, 2015 02:30 AM

fastest way to have your car repaired is to push your insurance company.
mabilis lang naman yun, submit mo lang lahat ng documents needed no need to worry about sa paghabol nila sa operator ng taxi.

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fastest way to have your car repaired is to push your insurance company.
mabilis lang naman yun, submit mo lang lahat ng documents needed no need to worry about sa paghabol nila sa operator ng taxi.

**ronv** · August 7th, 2015 10:15 PM

Thanks po sa lahat ng reply.
Got the letter of authority.

**ronv** · August 7th, 2015 10:21 PM

Question lang po.
How much do I need to pay then?
total cost of repair per casa = 14,376
insurance evaluation = 12627.15
participation = 2,000.00
and why is it that the casa will only bill 10,627.15?

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Question lang po.
How much do I need to pay then?
total cost of repair per casa = 14,376
insurance evaluation = 12627.15
participation = 2,000.00
and why is it that the casa will only bill 10,627.15?

**Gecko Guy** · August 8th, 2015 12:45 AM

Just pay your participation fee. Bahala na insurance company makipag-usap sa casa.

**ronv** · August 8th, 2015 01:42 AM

Ok.thanks po.

**hanigee** · August 12th, 2015 01:38 AM

Hello! Yung car ko kasi nakaatras ng Ford Ranger pero I was not the one driving the car at that time but the guard, who asked me to leave my car keys to him kasi nakadouble park ako and I was in a hurry to submit something to the laboratory of the hospital but I told him where he can find me.

When I was at the lab, he told me na nakabangga ang car ko and he was the one driving kasi kailangan na i-move ang sasakyan ko. Syempre natulala ako lalo na CTPL lang meron ako at walang comprehensive. Sa police report ang Guard driving my car ang at fault. My questions are:

1. Ako ba ang magbabayad sa damage ng Ford Ranger or yung guard ba or agency ng guard or the hospital where he's working?

2. The owner of the Ford Ranger is not willing to file OD, even knowing I only have CTPL, does he have that choice?

3. What's my next move?

I hope you would be able to help me. It's the first accident I have at hindi pa talaga ako ang driver.