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  1. Join Date
    Aug 2008
    Posts
    405
    #41
    Quote Originally Posted by jnjmn View Post
    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.

  2. Join Date
    Oct 2012
    Posts
    4,851
    #42
    Check also the terms and conditions of your insurance... baka nakalagay dun kung kelan talaga effictivty date... is it the stipulated date of insurance coverage kahit late payment or upon payment date yung effectivity...

    Ang worry ko lang is baka icocontest ng insurance nyan, alam mo naman halos lahat ng insurance pera2 lang... pag makakalusot yan sila lulusot yan... maliban na lang kung sobrang bait nila at ipaprocess yan kahit medyo tagilid.. goodluck sir! Part of owning a vehicle ang accident... baka pwede mo din installment bayaran ang damages like post dated cheque if hindi macocover ng insurance... keep safe lagi...


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  3. Join Date
    Jan 2015
    Posts
    4,581
    #43
    Quote Originally Posted by jnjmn View Post
    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.

  4. Join Date
    Oct 2002
    Posts
    194
    #44
    Quote Originally Posted by vvti2.0 View Post
    Bayaran mo lang yung damage mo, and wala ka right magdemand na sa labas ng casa gawin kasi right nya yun, kung di mo sya binanga, wala sana aberya. Kahit pa sibihin natin na aksidente yan. Buti nga di ka sisingilin dun sa mga araw na wala sya gagamitin na sasakyan.

    Anyways, it is your right to pay only for the expenses involved sa accident, like participation and depreciation. Kung may mali man sa trabaho after, labas ka na dun, sya ang pumili ng shop san nya ipapasok at nagawa mo na rin part mo.

    Is there a law na dapat kong bayaran ang mga araw na walang gagamitin na sasakyan and nabangga ko? Paano kung walang-wala akong ipambabayad o sasakyang maipahihiram habang ginagawa ang sasakyan niya? I'll be paying the repairs through my insurance.

  5. Join Date
    Aug 2018
    Posts
    2
    #45
    Guys need your opinion on claiming VTPL-Property Damage with BPI MS Insurance. Hindi pa kasi nila ako nirreplyan sa email.
    The third party asked us to pay for the repaint and repair through cash settlement. Dahil hindi siya taga sa amin at nagmamadali, napilitan kami mag labas ng cash para bayaran ung repair shop at may resibo naman. May habol ba ako sa insurance claim na ma refund ung nalabas kong pera? thanks in advance.

  6. Join Date
    Mar 2008
    Posts
    52,514
    #46
    Quote Originally Posted by altz86 View Post
    Guys need your opinion on claiming VTPL-Property Damage with BPI MS Insurance. Hindi pa kasi nila ako nirreplyan sa email.
    The third party asked us to pay for the repaint and repair through cash settlement. Dahil hindi siya taga sa amin at nagmamadali, napilitan kami mag labas ng cash para bayaran ung repair shop at may resibo naman. May habol ba ako sa insurance claim na ma refund ung nalabas kong pera? thanks in advance.
    i would not consider myself an authority at what your insurance provider would have done.
    your better option is to ask them, po.

  7. Join Date
    Jun 2015
    Posts
    2,751
    #47
    May tanong lang. Got in an accident. Turning left ako to a food place when this pastry shop delivery truck hit my right tail light and bumper. No one got hurt, fortunately.

    Insured kami pareho. Tama ba na 1 of us has to file quit claim? Usapan na lang ba namin kung sino shoshoulder ng participation at depreciation since palit tail light at may depreciation na ang car ko? If they file quit claim papano yung damage sa kanila? Mas maigi ba na insurance ko ang gamitin kahit sila ang at fault?

    We didn't file police report and noob me didn't get the plate number nor photo of the driver's dl. Got dashcam footage pero blurry yung plate number. Nakausap ko naman HR nila and they seem cooperative. Hoping for the best na lang ako na matino ngang kausap ang may-ari ng truck.

  8. Join Date
    Oct 2002
    Posts
    2,639
    #48
    Mas ok sana kung may police report. Requirement yan kasi sa pag file ng insurance claim. Pero kung may nakausap ka na sa kanila sa tingin ko ok na yun. Make sure may backup ka nung footage from the dashcam. Just in case lang baligtarin nila ang sitwasyon.


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  9. Join Date
    Nov 2017
    Posts
    1,748
    #49
    Quote Originally Posted by benchph1 View Post
    Mas ok sana kung may police report. Requirement yan kasi sa pag file ng insurance claim. Pero kung may nakausap ka na sa kanila sa tingin ko ok na yun. Make sure may backup ka nung footage from the dashcam. Just in case lang baligtarin nila ang sitwasyon.


    Sent from my iPhone using Tapatalk
    Minsan ok lang kung wala talaga police report basta palabasin nalng hit and run gagawa ka lang salaysay tpos bayaran mo sa kanila notaryo nasa 250. Ok na process na nila yun.

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  10. Join Date
    Oct 2002
    Posts
    2,639
    #50
    Depende sa insurance mo yan. Kung magkakilala kayo and buddy buddy nung insurance company ok lang yan.

    Syempre pupuntahan ng insurance “adjuster” yung kotse to assess the damage and ask a few questions. Trained sila to detect kung totoo ba yung case mo or niloloko mo lang sila para maka claim lang.


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Involved in an accident - Insurance claim