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  1. Join Date
    Oct 2006
    Posts
    128
    #1
    Question re insurance: I bought the car May 14, the plate number ends at 6, kelan ako dapat magpainsure? next me claim ako sa insurance ko lumabas na ung LOA, nung holy wednesday, gusto ko na ipasok sa casa para mapagawa.. ang tanung ko me existing claim ako at me LOA na, papagawa ko na sa casa, malapit na renewal ng insurance, dapat ba same insurance company pa din o pwede naman magpalit? iniisip ko kasi mangyayari nasa middle of fixing the car papasok ung insurance renewal , o baka lumampas pa kung wala pa ung parts needed, pano po kaya to? im really planning to change insurance nuon pa pero ang tagal din kasi maprocess ung claim ngaun lang... me insurance ako before, biglang kinuha kami ng iba ng bank dahil nakalimutan ko magrenew since the problem of magkaiba ung month ng registration at expiration ng insurance isa june isa may so nung time na irerenew ko na sa dati jong insurance nirenew na nila sa ibang insurance, mahirap magclaim at mababa estimate and parang nakakadismaya kasi dapat cash settlement so payable to me pero nilagay ung check under sa name ng mortgagee bank pano ko un magagamit kaya i opted na lang ipasok sa casa ill pay the participation fee . tska mode of payment ung iba me installment sa current cash and mas mahal. me magiging problem ba na its already april ngayon ko pa lang ipapagawa ngaun lang kasi naaprove e, tapos may renewal na hihingi na naman un bank ng insurance pag nadelay iaautomatic renew nila to dito, ayoko na sa insurance nila because i am very dissatisfied i want to change will there be problems? will i be forced to renew in the same insurance company that im already disatisfied and not of my choosing?

  2. Join Date
    Mar 2008
    Posts
    52,524
    #2
    see if you are required to get your insurance from xxx insurance company only. otherwise, you have your choice of where to get your insurance.
    the insurance contract in force at the time of the incident, should shoulder your insurance claims. it is not right that the claim be filed against another insurance contract.

    there is, however, this thing called "goodwill". if you favor somebody with your business, they will equally favor you with goodwill.

    LTO does not look at the comprehensive insurance, po. they don't care at all about it.
    LTO does require TPL insurance everytime you register the car. ask the insurance company to give you a deal wherein the renewal of the TPL agrees with the LTO renewal schedule.

    by the way, speaking straight english, and using the proper punctuations and paragraphing, makes reading your article a more pleasurable task.
    Last edited by dr. d; April 14th, 2017 at 01:38 PM.

Tags for this Thread

LOA released paexpire na ung old insurance, planning to change insurance during the time the car is under repair