Insurance Claims very Slow

**jay1005** · February 8th, 2015 03:05 AM

My brother's 2015 Honda City was released (from Honda Q.Av.) on Dec 20, 2014 and while on their way from Tagaytay on morning of Dec 23, they got hit by a Toyota HiAce van. All of them four escaped the accident with minor bruises and except my brother's fiancé that got a 2-inch stitch sa forehead. Driver of van was comatose for several weeks and undergone surgery. Now, d na namin makontak yung wife ng driver na nakuha namin ng phone number.
As per investigation ng police doon sa scene, maliwanag na kasalanan ng van. Mabuti hindi sa mga gas pumps tumama yung sasakyan ng bro ko kundi disaster sana.
Since holiday na mga araw na yun kaya pinatow na lang namin yung car to casa.
The SA advised my bro na it will take around 1.5 to 2 months sa pagprocess sa claim, casa will evaluate first the extent of the damage before they will decide whether to be repaired or to be replaced.
Last week, Casa updated us na "if less than 70% of total cost damage ng sasakyan, kukunin na ng bangko (BPI) yung unit then kuha na lang ng bago. Then up us to get another car. Otherwise, it will take a lot of time na i-fix nila kasi magdedepende pa sila sa availability sa pyesa ng sasakyan."
Til now, waiting pa rin ang Honda Q. Av sa issuance ng BPI (BPI din kasi ang Insurance) ng go signal to dismantle the car for inspection and evaluation. Later on magformulate si honda ng quotation, which is yet to be verified again by bpi. Then by that time we are able to know if either for repair or kunin na ng insurance yung sasakyan on the basis of that 70% total damage.
Sabi pala ng Honda, wala pa daw Policy Contract ng sasakyan noong nirelease nila, bat ganun?
Questions:
1. Ano po yung 70% of total damage?
2. D po ba saklaw ng comprehensive insurance yung medical/ hospital expenses like CT Scanning, Medicines, Admission, etc.
3. Nasa 10000 ang towing fee from Tagaytay to Honda Quezon Av, pero 3500 lang binalik ng insurance.
4. Where or whom to consult for these cases if arguments arise?

**cast_no_shadow** · February 8th, 2015 10:49 AM

Originally Posted by jay1005

My brother's 2015 Honda City was released (from Honda Q.Av.) on Dec 20, 2014 and while on their way from Tagaytay on morning of Dec 23, they got hit by a Toyota HiAce van. All of them four escaped the accident with minor bruises and except my brother's fiancé that got a 2-inch stitch sa forehead. Driver of van was comatose for several weeks and undergone surgery. Now, d na namin makontak yung wife ng driver na nakuha namin ng phone number.
As per investigation ng police doon sa scene, maliwanag na kasalanan ng van. Mabuti hindi sa mga gas pumps tumama yung sasakyan ng bro ko kundi disaster sana.
Since holiday na mga araw na yun kaya pinatow na lang namin yung car to casa.
The SA advised my bro na it will take around 1.5 to 2 months sa pagprocess sa claim, casa will evaluate first the extent of the damage before they will decide whether to be repaired or to be replaced.
Last week, Casa updated us na "if less than 70% of total cost damage ng sasakyan, kukunin na ng bangko (BPI) yung unit then kuha na lang ng bago. Then up us to get another car. Otherwise, it will take a lot of time na i-fix nila kasi magdedepende pa sila sa availability sa pyesa ng sasakyan."
Til now, waiting pa rin ang Honda Q. Av sa issuance ng BPI (BPI din kasi ang Insurance) ng go signal to dismantle the car for inspection and evaluation. Later on magformulate si honda ng quotation, which is yet to be verified again by bpi. Then by that time we are able to know if either for repair or kunin na ng insurance yung sasakyan on the basis of that 70% total damage.
Sabi pala ng Honda, wala pa daw Policy Contract ng sasakyan noong nirelease nila, bat ganun?
Questions:
1. Ano po yung 70% of total damage?
2. D po ba saklaw ng comprehensive insurance yung medical/ hospital expenses like CT Scanning, Medicines, Admission, etc.
3. Nasa 10000 ang towing fee from Tagaytay to Honda Quezon Av, pero 3500 lang binalik ng insurance.
4. Where or whom to consult for these cases if arguments arise?

Wow saklap! GM6 owner din ako, nakakapangilabot pag nakakakita ako ng ganyang pix. About your questions:

70% damage is if yung cost ng damage (labor+repair) is 70% value of the car.

About #2 and 3 question mo nasa policy mo yan, eh since hindi mo pa nakukuha hindi mo pa masasagot yan. Pero usually per incident 3500 lang talaga sagot ng insurance sa towing.

Have you talked to BPI/Ms already? Ano sabi nila?

Pag total loss matagal na process yan at the same time matagal din naman waiting mo pag repair since ang laki nga ng damage.

Call ni insurance yan if repair or total loss. If you could talk to the insurance adjuster, sila nag check/validate quotation ng casa eh.

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**_Cathy_** · February 8th, 2015 11:23 AM

What is it with new cars getting into accidents? Yung sandwiched vios was only a day old diba? I am glad that nobody got hurt.

We also had a car that was totaled many years ago but the car was not brand new anymore. My Dad just got the money and used it to buy another car. Then some time my brother saw the totaled car running in the metro.

**dr. d** · February 8th, 2015 11:33 AM

Originally Posted by _Cathy_

What is it with new cars getting into accidents? Yung sandwiched vios was only a day old diba? I am glad that nobody got hurt.

We also had a car that was totaled many years ago but the car was not brand new anymore. My Dad just got the money and used it to buy another car. Then some time my brother saw the totaled car running in the metro.

there should be a law that requires a totaled car, to be totaled!
kawawa naman yung nakabili.. habang buhay niyang ini-isip kung bakit pumapaling yung kotse niya..

**_Cathy_** · February 8th, 2015 11:51 AM

Originally Posted by dr. d

there should be a law that requires a totaled car, to be totaled!
kawawa naman yung nakabili.. habang buhay niyang ini-isip kung bakit pumapaling yung kotse niya..

Yes and I hope the TS gets a new car instead because after that accident it doesn't feel like brand new anymore. Kumbaga sa tao, na operahan na.

**jay1005** · February 8th, 2015 12:07 PM

Originally Posted by 1D4LV

2000 mits lancer glx.

8)

Thanks a lot po sa comment boss.
Since seafarer ang kapatid ko and OFW din ako, yung fiancé lng nya ang umaayos roon sa pinas. Ang last na advise sa kanya ng BPI was nasa stage pa sila to give the go signal sa Honda to dismantle the unit to determine the cost.

**jay1005** · February 8th, 2015 12:15 PM

Originally Posted by _Cathy_

Yes and I hope the TS gets a new car instead because after that accident it doesn't feel like brand new anymore. Kumbaga sa tao, na operahan na.

Yes, that's should be. Dapat may power din tayo na customers na pwede nating iinsist na new car replacement na agad.
Saka wala bang insurance company jan sa pinas na pag under processing ang insurance mo, bibigyan ka nila ng replacement car let's say 1 week free replacement car (pero siempre kasama sa premium yung coverage na yan)

**cast_no_shadow** · February 8th, 2015 02:04 PM

Originally Posted by jay1005

Thanks a lot po sa comment boss.
Since seafarer ang kapatid ko and OFW din ako, yung fiancé lng nya ang umaayos roon sa pinas. Ang last na advise sa kanya ng BPI was nasa stage pa sila to give the go signal sa Honda to dismantle the unit to determine the cost.

Kulitin niyo yung insurance para madismatle na agad. Yung kasi quote ngg casa rough estimate pa yun. Pag dismantle dun malalaman lahat ng sira niyan.

I do hope declared as total loss na nga lang yan, get a new car na. Goodluck TS

Same insurance tayo (bpi/ms) nung na total loss kotse namin, inaabot din ng 6months bago ko nakuha tseke.

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**Glock26** · February 8th, 2015 03:33 PM

Kung wala pa policy contract, where did you pay the premium? Kasama ba dun sa binayad mo sa Honda Q.Ave.
Verify mo sa BPI/MS kung na-remit na ng Honda yung premium sa BPI/MS.
Regarding sa tanong mo where or whom to consult, its the Insurance Commission. They have a website (| Official Website of the Insurance Commission |)
Either you can call or write a letter addressed to the Insurance Commissioner. They will answer all your queries.

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Kung wala pa policy contract, where did you pay the premium? Kasama ba dun sa binayad mo sa Honda Q.Ave.
Verify mo sa BPI/MS kung na-remit na ng Honda yung premium sa BPI/MS.
Regarding sa tanong mo where or whom to consult, its the Insurance Commission. They have a website (www.insurance.gov.ph)
Either you can call or write a letter addressed to the Insurance Commissioner. They will answer all your queries.

**jay1005** · February 8th, 2015 05:39 PM

Originally Posted by cast_no_shadow

Kulitin niyo yung insurance para madismatle na agad. Yung kasi quote ngg casa rough estimate pa yun. Pag dismantle dun malalaman lahat ng sira niyan.

I do hope declared as total loss na nga lang yan, get a new car na. Goodluck TS

Same insurance tayo (bpi/ms) nung na total loss kotse namin, inaabot din ng 6months bago ko nakuha tseke.

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Magkano naman inabot yung nakuha mo na amout sir? Same as the insured value din ba?