Involved in an accident - Insurance claim

[Dende]

Naaksidente ako kaninang umaga, kasalanan ko. Yung sasakyan ko medyo malaki sir at yung sa nabangga ko gasgas lang. Nagkuhaan lang kami contact details at nag-usap kami na sa insurance na lang padaanin.

Ano na susunod kong gagawin? Nabasa ko na yung mga steps sa website ng BPI/MS. Ifile ko ba under accident? Own damage?

Kapag accident kasi kelangan ko pang papirmahin yung nabangga ko. Kapag own damage di ko na siya kelangang guluhin.




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[dr. d]

Naaksidente ako kaninang umaga, kasalanan ko. Yung sasakyan ko medyo malaki sir at yung sa nabangga ko gasgas lang. Nagkuhaan lang kami contact details at nag-usap kami na sa insurance na lang padaanin.

Ano na susunod kong gagawin? Nabasa ko na yung mga steps sa website ng BPI/MS. Ifile ko ba under accident? Own damage?

Kapag accident kasi kelangan ko pang papirmahin yung nabangga ko. Kapag own damage di ko na siya kelangang guluhin.




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i believe most insurance claims require a police report, except self-accident? contact your insurance agent, asap! "na-aksidente ako. what do i need?"
good luck, po.

[1D4LV]

i believe most insurance claims require a police report, except self-accident? contact your insurance agent, asap! "na-aksidente ako. what do i need?"
good luck, po.

you would really be needing a police report since hindi self accident yan.
tapos yung insurance mo na bahala sa lahat, pati dun sa nabangga mo.

[papi smith]

Sa pagkakaalam ko pwede na affidavit or better yet yung pro-forma accident report na naka attach sa policy in lieu of police report.

[enjay72]

hala. sorry to hear that.

depende sa insurance provider mo kung ano kailangan nila. pero sa pagkakaintindi ko,

own damage = notarized affidavit
accident = police report

since may usapan na kayo ng nakabangga mo na kanya kanyang insurance na lang eh padaanin mo na sa own damage.

[jnjmn]

i believe most insurance claims require a police report, except self-accident? contact your insurance agent, asap! "na-aksidente ako. what do i need?"
good luck, po.

guys help po
hays. problemado ako now sa insurance. nasangkotnako sa aksidente kailangan ko paayusin yung kotse ng nabangga ko. problema wala sya insurance ako naman meron comprehensive kaso lang late ko nabayaran. nabayaran ko lang sya the day after nung accident. so june 18 nangyari accident, june 19 ko nabayaran. pero yung proposal nung june 13 pa lumbas di ko lang nabayaran. so namomoroblema ako ngayon kasi baka ma reject ako ng insurance company kailangan ko ipalit yung date sa police blotter at manconvince yung nabangga ko na ipalit statement kung papayag sya at yung pulis. hays what to do?

[dr. d]

guys help po
hays. problemado ako now sa insurance. nasangkotnako sa aksidente kailangan ko paayusin yung kotse ng nabangga ko. problema wala sya insurance ako naman meron comprehensive kaso lang late ko nabayaran. nabayaran ko lang sya the day after nung accident. so june 18 nangyari accident, june 19 ko nabayaran. pero yung proposal nung june 13 pa lumbas di ko lang nabayaran. so namomoroblema ako ngayon kasi baka ma reject ako ng insurance company kailangan ko ipalit yung date sa police blotter at manconvince yung nabangga ko na ipalit statement kung papayag sya at yung pulis. hays what to do?

talk to your insurance.
it is possible that you are still covered, even if your payment was late. look at your policy's included dates.
ang dami diyan, monthly ang bayad ng insurance. yet, when they get into an accident, all they are asked to do, is to pay the annual total in full, and they still get the full benefit.

if you alter the details of the accident (e.g., dates), and the insurance investigator finds out (this is what he is paid to do: to find out), whatever benefits you might have been entitled to before, might be denied, because you falsified your claim.

a lot of these "nebulous issues", are influenced by your relationship with your insurance provider.

good luck.

[jnjmn]

talk to your insurance.
it is possible that you are still covered, even if your payment was late. look at your policy's included dates.
ang dami diyan, monthly ang bayad ng insurance. yet, when they get into an accident, all they are asked to do, is to pay the annual total in full, and they still get the full benefit.

if you alter the details of the accident (e.g., dates), and the insurance investigator finds out (this is what he is paid to do: to find out), whatever benefits you might have been entitled to before, might be denied, because you falsified your claim.

a lot of these "nebulous issues", are influenced by your relationship with your insurance provider.

good luck.

thank you sir sa advice, really appreciate it. ilang araw na ako namomroblema dito sa nangyari, i really don't have any idea what to do. it's my first time to buy a brand new car so wala akong experience with the insurance situation. natatakot kasi ako sir if i reject ng insurance company i have to pay for the damages ng car nya sa casa na aabutin ng 185k plus yung damage pa sa car ko na mas malaki na di ko pa napapa estimate sa casa grabe di ko kaya yun. yung insurance ko kasi nag bigay ng proposal ang nakalagay dun Period of insurance is june 13, 2018 to june 13, 2019 both dates inclusive at 12:00:00 PMPhilippine Standard Time so does this mean na covered ang accident nung june 18? kahit di ko pa nababayaran. is this the insurance policy na? or iba ito? kasi ang sabi sa akin ng tita ko sa BDO yung insurance policy daw po ay magsstart lng sa day na nag bayad ako. eh nabayaran ko lang po nung june 19. thank you in advance doc

[dr. d]

thank you sir sa advice, really appreciate it. ilang araw na ako namomroblema dito sa nangyari, i really don't have any idea what to do. it's my first time to buy a brand new car so wala akong experience with the insurance situation. natatakot kasi ako sir if i reject ng insurance company i have to pay for the damages ng car nya sa casa na aabutin ng 185k plus yung damage pa sa car ko na mas malaki na di ko pa napapa estimate sa casa grabe di ko kaya yun. yung insurance ko kasi nag bigay ng proposal ang nakalagay dun Period of insurance is june 13, 2018 to june 13, 2019 both dates inclusive at 12:00:00 PMPhilippine Standard Time so does this mean na covered ang accident nung june 18? kahit di ko pa nababayaran. is this the insurance policy na? or iba ito? kasi ang sabi sa akin ng tita ko sa BDO yung insurance policy daw po ay magsstart lng sa day na nag bayad ako. eh nabayaran ko lang po nung june 19. thank you in advance doc

"hindi ko alam."
your tita's advice stems from her experience with bdo.
it does seem, that your insurance provider might practise the same kind of insurance.

[jnjmn]

talk to your insurance.
it is possible that you are still covered, even if your payment was late. look at your policy's included dates.
ang dami diyan, monthly ang bayad ng insurance. yet, when they get into an accident, all they are asked to do, is to pay the annual total in full, and they still get the full benefit.

if you alter the details of the accident (e.g., dates), and the insurance investigator finds out (this is what he is paid to do: to find out), whatever benefits you might have been entitled to before, might be denied, because you falsified your claim.

a lot of these "nebulous issues", are influenced by your relationship with your insurance provider.

good luck.

btw po i have paid full na yung insurance. it's a premium? i don't really know what it means. i paid 22, 511php yun nga lang i don't know if ma cocover yung day ng accident. thank you again

[dr. d]

btw po i have paid full na yung insurance. it's a premium? i don't really know what it means. i paid 22, 511php yun nga lang i don't know if ma cocover yung day ng accident. thank you again

yespo. premium is what you pay, for the insurance coverage, as described in that insurance policy with very fine print.

the better way to find the answers to your concerns, is to ask the insurance provider.
of course, that would mean, you will be spilling the beans.
but i can not advise you to do something that is illegal.

[rac98]

btw po i have paid full na yung insurance. it's a premium? i don't really know what it means. i paid 22, 511php yun nga lang i don't know if ma cocover yung day ng accident. thank you again

If you have the policy on hand you can take a look at the date og coverage.

[Juan Martinez]

guys help po
hays. problemado ako now sa insurance. nasangkotnako sa aksidente kailangan ko paayusin yung kotse ng nabangga ko. problema wala sya insurance ako naman meron comprehensive kaso lang late ko nabayaran. nabayaran ko lang sya the day after nung accident. so june 18 nangyari accident, june 19 ko nabayaran. pero yung proposal nung june 13 pa lumbas di ko lang nabayaran.

you verify the following:

1) the period of your coverage. whether the date of accident (June 18) is within the validity period of the insurance contract.
2) you check the previous insurance contract if it grants you grace period within which to renew it.

note:
after verifying all these things, you go back here so that we can talk what to do next.

so namomoroblema ako ngayon kasi baka ma reject ako ng insurance company kailangan ko ipalit yung date sa police blotter at manconvince yung nabangga ko na ipalit statement kung papayag sya at yung pulis. hays what to do?

you cannot alter the date in the police blotter because the entry is in chronological order. the police blotter is a public record.

[Dende]

Nabasa ko na sa BPI/MS may mga options kung hindi police report ang ibigay. May accident form at affidavit.

Kapag under accident ito, magbabayad ako ng participation tapos pati yung sa nabangga ko babayaran?


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[enjay72]

Nabasa ko na sa BPI/MS may mga options kung hindi police report ang ibigay. May accident form at affidavit.

Kapag under accident ito, magbabayad ako ng participation tapos pati yung sa nabangga ko babayaran?


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Regardless kung accident or own damage, magbabayad ka pa rin ng participation fee. Usually kung walang insurance yung nakabanggaan mo at siya at fault eh sisingilin mo sya to pay for your participation fee then claim as own damage para hindi sya habulin ng insurer mo.

[Dende]

Regardless kung accident or own damage, magbabayad ka pa rin ng participation fee. Usually kung walang insurance yung nakabanggaan mo at siya at fault eh sisingilin mo sya to pay for your participation fee then claim as own damage para hindi sya habulin ng insurer mo.

Mukhang may insurance naman yung nabangga ko. So paano ba ito, once mafile ko na claim under accident at nakapagbayad na ako ng participation fee kokontakin ng insurance ko yung nabangga ko? Tapos nun maaayos na yung tama ng sasakyan niya?

Wala na bang kelangang bayaran yung nabangga ko?

Ganito ba BPI/MS mahirap kontakin? Puro answering machine lang kasi sumasagot. No choice ako dahil nakapackage ito sa inavail ko na loan.


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[enjay72]

Mukhang may insurance naman yung nabangga ko. So paano ba ito, once mafile ko na claim under accident at nakapagbayad na ako ng participation fee kokontakin ng insurance ko yung nabangga ko? Tapos nun maaayos na yung tama ng sasakyan niya?

Wala na bang kelangang bayaran yung nabangga ko?

Ganito ba BPI/MS mahirap kontakin? Puro answering machine lang kasi sumasagot. No choice ako dahil nakapackage ito sa inavail ko na loan.


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Hmm depende rin pala kung paano ifile nung nakabangga mo yung insurance claim nya, kung accident ba (na nandun name mo) or own damage. If he/she files it as an accident then hahabulin ka ng insurance nya. Dapat ifile mo din as an accident with his/her name para maghabol din insurance mo sa kanya, para both insurance companies na lang mag areglo. Kausapin mo yung nakabangga mo na dapat parehas kayo ng claim details.

Sorry no experience yet with BPI/MS insurance.

[nhiecah_nice29]

Naaksidente ako kaninang umaga, kasalanan ko. Yung sasakyan ko medyo malaki sir at yung sa nabangga ko gasgas lang. Nagkuhaan lang kami contact details at nag-usap kami na sa insurance na lang padaanin.

Ano na susunod kong gagawin? Nabasa ko na yung mga steps sa website ng BPI/MS. Ifile ko ba under accident? Own damage?

Kapag accident kasi kelangan ko pang papirmahin yung nabangga ko. Kapag own damage di ko na siya kelangang guluhin.

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File the claim po under self accident/own damage with third party claim-property damage. Give the contact details of the third party para po ma-contact ng BPI MS yung third party for the requirements ng claim (tp needs to submit copy of the ORCR, DL and Certificate of no claim from their insurance provider).

Ang alam ko po sa BPI MS they need an affidavit of the accident or police report, DL and ORCR. Isang participation fee lang po yung kailangan ninyo bayaran - for your claim lang. No participation fee for the third party claim, wala din po babayaran yung third party kahit saan nya pa gusto dalhin yung sasakyan nya. Third party can also claim cash settlement.

[Dende]

File the claim po under self accident/own damage with third party claim-property damage. Give the contact details of the third party para po ma-contact ng BPI MS yung third party for the requirements ng claim (tp needs to submit copy of the ORCR, DL and Certificate of no claim from their insurance provider).

Ang alam ko po sa BPI MS they need an affidavit of the accident or police report, DL and ORCR. Isang participation fee lang po yung kailangan ninyo bayaran - for your claim lang. No participation fee for the third party claim, wala din po babayaran yung third party kahit saan nya pa gusto dalhin yung sasakyan nya. Third party can also claim cash settlement.

Wow salamat. Hindi na kasi kami kumuha ng police report dahil pumayag naman na insurance na lang. Gawa na lang ako ng affidavit. Thanks.


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[nhiecah_nice29]

Wow salamat. Hindi na kasi kami kumuha ng police report dahil pumayag naman na insurance na lang. Gawa na lang ako ng affidavit. Thanks.


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Welcome Sir. if you need an affidavit format, i can email it to you.