Need some legal advice related to car insurances

[tokiyashiro]

So here are some pictures of the accident's. My friend is driving the L300 and had a minor accident with the KIA car as shown in the pic, based on the police reports they are at fault. Imgur: The magic of the Internet

Now it's been 2 months since both our insurance are processing this issue. First our L300 is insured in FPG, and we are insured only for the amount of 200K.
And there's one alarming thing we noticed. They seem to be overpricing those Headlights as shown on the KIA.

Here's the total estimate that was given to us by the owner of the KIA. Imgur: The magic of the Internet
The first estimate was only shown to be 37K . The revised one blew up to 340K.
Another shop where they got another estimate. Imgur: The magic of the Internet

The only thing that's funny with this Street Smart is that they also did overprice this headlights.
If we bought these parts outside of insurance I truly believe we won't even go over 50K or less because I've also checked their accessories prices and those OEM headlights.

Our problem is , since we are only maxed out to 200K and the total estimate repair is 340K we will need to shoulder that 140K and we're trying not to make that happen.
It also seems like FPG insurance is trying to add the total cost of the repair to get their money back for all these repairs that's going to cost them.

What are your thoughts?, would love to have an advice with some people who work or had any insurance experiences with their cars.
Our other solution is to have the repair done by us instead of trying to get it into an insurance.

Thanks

[tokiyashiro]

One issue that was mentioned by my friend is it might be possible the KIA owner might take a legal action to my friend (the driver of the L300) . One option they are trying to do is talk to the KIA owner and they'll fix the issue and repair themselves (buying the parts without the insurance).

His boss also mentioned if they don't agree with this setup, their boss won't sign the papers and pay those excess 140K. And one issue that might be done is for the KIA owner to take legal action with the L300's driver. I'm not sure how true this is though, I don't think you can get jailed over something like this. But that's what they've told me.

My friend and his boss aren't really willing to shoulder that 140K because that's just silly. I'm not also sure what to do with those situation, its just that it seems these insurance and KIA guys are trying to scam them some more money and trying to milk them with this issues.

Also the funny thing is KIA driver is frustrated cause he can't use the car for two months. (yea with those minor bumper issues and headlight it seems they can't use it as if it was totaled lmao)

here's a screenshot of their convo: Imgur: The magic of the Internet

[queenamber97]

Nabangga ang suzuki ertiga ko while naka stop (last April 12, 2018), bale na sandwich cya sa avanza na nasa unahan at saka nung naka bangga na Hi Ace. Wasak ang harapan at likuran ng sasakayan ko. Sa kasamaang palad na lapsed na pala ang comprehensive insurance ng car. Tinry kong i renew ang insurance ko on that day, pero na deny pa rin. Ang problema ngayon, umabot ng 393k ang repair estimate from casa, tapos ang driver na at fault ay walang pambayad. Ang registered owner ng Hi-ace isang OFW, tapos wla daw cya magagawa kasi di daw nya inutusan na mag drive ang driver nya who is bayaw din nya. Ngayon namomroblema na ako kung saan ako kukuha ng 393k para maayos ang sasakyan. May laban ba ako nito since cla na man ang at fault? Hindi na ako makatulog, plano na lang akong ipahatak ang sasakyan ko ng bank, kaso may damage naman. Please need some advice.

[mda]

Nabangga ang suzuki ertiga ko while naka stop (last April 12, 2018), bale na sandwich cya sa avanza na nasa unahan at saka nung naka bangga na Hi Ace. Wasak ang harapan at likuran ng sasakayan ko. Sa kasamaang palad na lapsed na pala ang comprehensive insurance ng car. Tinry kong i renew ang insurance ko on that day, pero na deny pa rin. Ang problema ngayon, umabot ng 393k ang repair estimate from casa, tapos ang driver na at fault ay walang pambayad. Ang registered owner ng Hi-ace isang OFW, tapos wla daw cya magagawa kasi di daw nya inutusan na mag drive ang driver nya who is bayaw din nya. Ngayon namomroblema na ako kung saan ako kukuha ng 393k para maayos ang sasakyan. May laban ba ako nito since cla na man ang at fault? Hindi na ako makatulog, plano na alng akong ipahatak ang sasakyan ko nga bank, kaso may damage naman. Please need some advice.

Liable to pay either yung owner or driver ng HiAce. Check to see with police din ano next steps.

[queenamber97]

Liable to pay either yung owner or driver ng HiAce. Check to see with police din ano next steps.

Nagtuturuan na ang owner at ang driver. Naghuhugas kamay na sila. Dalawa pa naman kaming biktima dito ang avanza at saka ang ertiga ko. Sakit sa ulo, parang ako na nga ang na perwisyo, kami pa pabalik2 sa lugar ng driver para makausap cya. Imagine from talisay, cebu to Pinamungajan (3 hrs ang travel). Hirap din ako makausap ang may-ari kasi nasa dubai, thru messenger lang. Sabi ng pulis, punta daw kami sa barangay para kumuha ng certificate to file action. Parang gusto ko ng mag give up. Hindi na ako makatulog. Gusto ko ng i voluntarily surrender ang sasakyan, kaso may sira.

[mda]

Nagtuturuan na ang owner at ang driver. Naghuhugas kamay na sila. Dalawa pa naman kaming biktima dito ang avanza at saka ang ertiga ko. Sakit sa ulo, parang ako na nga ang na perwisyo, kami pa pabalik2 sa lugar ng driver para makausap cya. Imagine from talisay, cebu to Pinamungajan (3 hrs ang travel). Hirap din ako makausap ang may-ari kasi nasa dubai, thru messenger lang. Sabi nga pulis, punta daw kami sa barangay para kumuha ng certificate to file action. Parang gusto ko ng mag give up. Hindi na ako makatulog. Gusto ko ng i voluntarily surrender ang sasakyan, kaso may sira.

Check with the police who is to be held liable. I hope may police report ka.

Threaten to file a case.

[glenn_duke]

Nabangga ang suzuki ertiga ko while naka stop (last April 12, 2018), bale na sandwich cya sa avanza na nasa unahan at saka nung naka bangga na Hi Ace. Wasak ang harapan at likuran ng sasakayan ko. Sa kasamaang palad na lapsed na pala ang comprehensive insurance ng car. Tinry kong i renew ang insurance ko on that day, pero na deny pa rin. Ang problema ngayon, umabot ng 393k ang repair estimate from casa, tapos ang driver na at fault ay walang pambayad. Ang registered owner ng Hi-ace isang OFW, tapos wla daw cya magagawa kasi di daw nya inutusan na mag drive ang driver nya who is bayaw din nya. Ngayon namomroblema na ako kung saan ako kukuha ng 393k para maayos ang sasakyan. May laban ba ako nito since cla na man ang at fault? Hindi na ako makatulog, plano na lang akong ipahatak ang sasakyan ko ng bank, kaso may damage naman. Please need some advice.

Yung 393k estimate lang yan ng visual damage, hindi pa kasama dyan yung sira na hindi nila kita sa inspection, kaya madadagdagan payang 393k mo.
Although casa nag estimate, mahal talaga yan, may own damage ako na 140k ang estimate ng casa, ni repair ng paborito kong talyer ng 5k.
Kaya patingnan mo sa ibang shop dahil wala ka namang insurance.

Kung naka mortgage yang sasakyan mo, anong banko? alam ko auto renew ng insurance mga banko.
Baka may bago ka ng policy, kailangan lang bayaran.

Ang magagawa molang ay kasuhan yung driver ng nakabangga at yung may-ari ng Hi-Ace, kailangan mo ng police report na sila may kasalanan.
Matagal na kaso yan, kung hindi makikipag ayos yung sa Hi-Ace na side.

[papi smith]

Agree, kahit casa, nung ma estimate ang ang damage ko 150k, nung mag release LOA ang insurance ko 98k, pumayag din si casa. kaya if di ka talaga maka claim insurance or compensation, then sa labas ang best option mo, for one yung mga replace parts sa casa, baka makuha sa pukpok sa labas, lakinmg bawas na agad sa price yun.

Although casa nag estimate, mahal talaga yan, may own damage ako na 140k ang estimate ng casa, ni repair ng paborito kong talyer ng 5k. Kaya patingnan mo sa ibang shop dahil wala ka namang insurance.
.

[queenamber97]

Agree, kahit casa, nung ma estimate ang ang damage ko 150k, nung mag release LOA ang insurance ko 98k, pumayag din si casa. kaya if di ka talaga maka claim insurance or compensation, then sa labas ang best option mo, for one yung mga replace parts sa casa, baka makuha sa pukpok sa labas, lakinmg bawas na agad sa price yun.

May taga cebu ba dito? may mairerefer ba kayong shop na maayos gumawa?

[queenamber97]

Nabangga ang suzuki ertiga ko while naka stop (last April 12, 2018), bale na sandwich cya sa avanza na nasa unahan at saka nung naka bangga na Hi Ace. Wasak ang harapan at likuran ng sasakayan ko. Sa kasamaang palad na lapsed na pala ang comprehensive insurance ng car. Tinry kong i renew ang insurance ko on that day, pero na deny pa rin. Ang problema ngayon, umabot ng 393k ang repair estimate from casa, tapos ang driver na at fault ay walang pambayad. Ang registered owner ng Hi-ace isang OFW, tapos wla daw cya magagawa kasi di daw nya inutusan na mag drive ang driver nya who is bayaw din nya. Ngayon namomroblema na ako kung saan ako kukuha ng 393k para maayos ang sasakyan. May laban ba ako nito since cla na man ang at fault? Hindi na ako makatulog, plano na lang akong ipahatak ang sasakyan ko ng bank, kaso may damage naman. Please need some advice.

This is a follow up to this issue. Dinala ko na ang ertiga ko sa shop, at ang estimate is 85k. Tapos kinausap ko ang owner ng Hi-Ace, ngayon 20k lang daw ang ibibigay nya at masabi pa nya na buti pa nga daw ay may maitutulong cya. Kasi daw pag kinasuhan namin cya, wala daw name nya sa police report. Kulang pa nga pang down payment ang 20k, kasi may DP na hinihingi ang shop para ma repair na (which is 50% of the estimated cost na 85K) Ngayon hindi ko tinanggap ang 20k kasi sobra namang baba. May pa "take it or leave it" pa cyang nalalaman. Kung hindi ko daw tatanggapin, bahala daw ako. paran feeling nya hindi cya matatablan kung mag file ako ng case kasi nasa UAE cya.

[TheUninvited]

Kunin mo na 20k at ibenta mo na lang sir yung kotse mo.

Mukang affected na yung structural integrity eh. Kung may insurance ka lang, baka total loss na yan.


Sure ka ba wala ka insurance? Normally naka auto-renew yan, kase if di ka ang renew manually, technically breach of contract yan dun sa bank loan mo kase dapat insured while encumbered.

[dr. d]

This is a follow up to this issue. Dinala ko na ang ertiga ko sa shop, at ang estimate is 85k. Tapos kinausap ko ang owner ng Hi-Ace, ngayon 20k lang daw ang ibibigay nya at masabi pa nya na buti pa nga daw ay may maitutulong cya. Kasi daw pag kinasuhan namin cya, wala daw name nya sa police report. Kulang pa nga pang down payment ang 20k, kasi may DP na hinihingi ang shop para ma repair na (which is 50% of the estimated cost na 85K) Ngayon hindi ko tinanggap ang 20k kasi sobra namang baba. May pa "take it or leave it" pa cyang nalalaman. Kung hindi ko daw tatanggapin, bahala daw ako. paran feeling nya hindi cya matatablan kung mag file ako ng case kasi nasa UAE cya.

sue the owner.
it will be up to him to prove in court, that the driver was "not authorized".
besides, what still can you lose?

[vproject]

Sue the owner and if you're feeling vindictive, alamin mo kung san sya nagtratrabaho sa Dubai and inform his company (anonymously) na me kaso sya. j/k.

Ung ugali rin nung driver na ayaw tumanggap ng responsibility sa pagkabangga nya, yan ung mga dapat tanggalan ng license and I-ban from driving.

[dreamur]

I would file a case and call his bluff. Even if his name is not on the police report, the van is and his in law (driver). Baka aawayin pa siya ng mrs nya.

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[ninjababez]

I would file a case and call his bluff. Even if his name is not on the police report, the van is and his in law (driver). Baka aawayin pa siya ng mrs nya.

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same here, kunin ko 20k ng wala kasulatan, then file the case. hehehe

[papi smith]

Yun ay kung ibibigay ang 20k na walang waiver, pwede acknowledgement receipt as long as it does not state na wala ka ng habol pag kinuha mo yun, but best kung walang papel at abutan lang.

same here, kunin ko 20k ng wala kasulatan, then file the case. hehehe

[papi smith]

The fact na magbibigay sya ng 20k ay alam nya na pwede syang makasuhan at sinusubukan nya i-bluff ka sa lower areglo.

I would file a case and call his bluff. Even if his name is not on the police report, the van is and his in law (driver). Baka aawayin pa siya ng mrs nya.

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[Ry_Tower]

Correct si walter. Kapag may kaso sakit sa ulo ng OFW yan. Kamaganak niya pala nagdrive eh, ano yun kakasuhan niya carnapping? Just to prove na hindi authorizer.

Sue the owner of the van for civil damages and file a criminal case against the driver. Criminal case na reckless imprudence resulting to damage of property. Kahit wala name ng owner dun sa police report eh name naman niya nakaregister sa sasakyan. Liable pa din siya if insolvent yung driver.

Siya na bahala maghabol sa driver niya pero sa iyo sagot niya dapat perwisyo at gastos. Both criminal at civil aspect ang ipakaso mo.

Get a lawyer. A friend if you have one. Lawyers expense ipasama mobsa damages since wala naman sana case kung matino sila kausap kamo. Lalaki lalo gastos nila.

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[ChoyJo]

Correct si walter. Kapag may kaso sakit sa ulo ng OFW yan. Kamaganak niya pala nagdrive eh, ano yun kakasuhan niya carnapping? Just to prove na hindi authorizer.

Sue the owner of the van for civil damages and file a criminal case against the driver. Criminal case na reckless imprudence resulting to damage of property. Kahit wala name ng owner dun sa police report eh name naman niya nakaregister sa sasakyan. Liable pa din siya if insolvent yung driver.

Siya na bahala maghabol sa driver niya pero sa iyo sagot niya dapat perwisyo at gastos. Both criminal at civil aspect ang ipakaso mo.

Get a lawyer. A friend if you have one. Lawyers expense ipasama mobsa damages since wala naman sana case kung matino sila kausap kamo. Lalaki lalo gastos nila.

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Dagdag mo din yung mental torture/stress na binigay o dulot nito sa'yo.. Tapos if possible lahat ng usapan nyo yung kayang ipahard copy para dagdag ebidensya..

Pero kapag pumasok ka sa ganitong KASO siguraduhin mong ready ka.. May katagalan ito at kung desidido din kalaban mo magka-counter din yun.. May mga tao kasi talagang alam na nilang sila ang mali pero ang gusto babaliktarin ka pa.. Sana Manalo ka para matauhan yung mga Mokong na Involve..

[MR_BIG18]

Hey guys...ingat kayo sa no chattel mortgage at free insurance for the 1st year..babawiin din yan ni bank sa 2nd and 3rd year...kasi may lock in period ka na 2 years...this june im gonna pay the insurance dapat..kumuha si misis sa charter ping for her vios it was cheaper than i expected...3 installments pa, so nag pa qoute ako for my xt...it was 27k with AOG, 3 gives also..so i called my bank..told them about the lock in period was over, kukuha nalang ako sa labas, baka maunahan ako ng insurance comp ng bank tapos si bank bayaran agad...i have no choice but to pay again..buti sa june pa maturity so they said just send me the qoute of charter ping..bka pwede nilang pantayan...btw..last year 42k binayaraan ko, year b4 that it was 44k...di la naman maka complain coz may lock in period

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