questions on claiming insurance

[motoro]

my car got hit and i was not at fault. i have comprehensive insurance and here are my questions:

1. do i need to pay the deductible? i know i don't need to coz i'm not the one at fault but i just want to be sure.

2. do i have the right to demand that i want a certain body shop fix my car or am i limited to the body shop that is accredited by the insurance?

3. if i can choose the body shop i want, does the insurance company have the right to refuse it should the body shop i want is more expensive than the one they accredited? or will the insurance company just allow me to have it fix at the shop i wanted, even if it's more expensive, and they will just be the one to negotiate with the shop?

4. what if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and i don't need to wait if the other party will pay up or not right? in short, it's their problem?

thanks for any info.

[johnart]

my car got hit and i was not at fault. i have comprehensive insurance and here are my questions:

1. do i need to pay the deductible? i know i don't need to coz i'm not the one at fault but i just want to be sure.
-yes if your claiming against your insurance policy
2. do i have the right to demand that i want a certain body shop fix my car or am i limited to the body shop that is accredited by the insurance?
- nope your limited to the accredited shop the insurance has to offer.
3. if i can choose the body shop i want, does the insurance company have the right to refuse it should the body shop i want is more expensive than the one they accredited? or will the insurance company just allow me to have it fix at the shop i wanted, even if it's more expensive, and they will just be the one to negotiate with the shop?
-they may allow you to have your car repaired at your preferred shop however you will no longer need to pay the deductible except you only get the cash conversion of the repair cost. In short they give you money and its up to you where to have it repaired. (the settlement is usually 70% of the repair value less the depreciation cost of your car.)
4. what if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and i don't need to wait if the other party will pay up or not right? in short, it's their problem?
-yes it will be the problem of the insurance company, but you still have to pay the deductible and have complete papers (police report, license of you and the other car, or and cr of both vehicles.
thanks for any info.

hope this helps

[motoristaako89]

my car got hit and i was not at fault. i have comprehensive insurance and here are my questions:

1. do i need to pay the deductible? i know i don't need to coz i'm not the one at fault but i just want to be sure.
-yes if your claiming against your insurance policy
2. do i have the right to demand that i want a certain body shop fix my car or am i limited to the body shop that is accredited by the insurance?
- nope your limited to the accredited shop the insurance has to offer.
3. if i can choose the body shop i want, does the insurance company have the right to refuse it should the body shop i want is more expensive than the one they accredited? or will the insurance company just allow me to have it fix at the shop i wanted, even if it's more expensive, and they will just be the one to negotiate with the shop?
-they may allow you to have your car repaired at your preferred shop however you will no longer need to pay the deductible except you only get the cash conversion of the repair cost. In short they give you money and its up to you where to have it repaired. (the settlement is usually 70% of the repair value less the depreciation cost of your car.)
4. what if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and i don't need to wait if the other party will pay up or not right? in short, it's their problem?
-yes it will be the problem of the insurance company, but you still have to pay the deductible and have complete papers (police report, license of you and the other car, or and cr of both vehicles.
thanks for any info.

hope this helps

Hi sir, balikan ko lang po yung unang tanong dito sa thread na to na: What if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and I don't need to wait if the other party will pay up or not, is that correct? In short, I-RE-RELEASE NILA AGAD ang sasakyan upon repair kahit hindi pa sila naka-singil doon sa nakabangga?

[dr. d]

Hi sir, balikan ko lang po yung unang tanong dito sa thread na to na: What if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and I don't need to wait if the other party will pay up or not, is that correct? In short, I-RE-RELEASE NILA AGAD ang sasakyan upon repair kahit hindi pa sila naka-singil doon sa nakabangga?

that is correct, po.
if they refuse to release the repaired car, one should ask why.

[motoristaako89]

that is correct, po.
if they refuse to release the repaired car, one should ask why.

sir, LAHAT ng car Insurance pa yan, ganon talaga ang policy ? na DAPAT I-release ang sasakyan pag nagawa na at wala na kaming paki -alam kung hindi pa nila mahagilap yung taong naka-bangga, basta kailangan i-release na ang sasakyan ng owner, makasingil man sila sa third party or hindi, correct po ?

[dr. d]

sir, LAHAT ng car Insurance pa yan, ganon talaga ang policy ? na DAPAT I-release ang sasakyan pag nagawa na at wala na kaming paki -alam kung hindi pa nila mahagilap yung taong naka-bangga, basta kailangan i-release na ang sasakyan ng owner, makasingil man sila sa third party or hindi, correct po ?

if your insurance has the same collatillas as mine, i would believe so.
read your insurance contract, po, and see if there is anything in there that would explain why they refuse to release your car, assuming you are not in arrears of any sort.

[yebo]

1 - why not compel the party that was at fault to pay the deductible? in fact since it was not you who was at fault the damage should be charged to the other party's insurance and not from yours.

2 & 3 - keep in mind that the insurance company can not refuse if you bring it to the casa/dealer. the dealer will be more than happy to help you in this case, it means more business to them. another plus is that the casa/dealer may even insist to just replace the body panel instead of repairing.

4 - insist that the other party pay the deductible. and yes it should be the insurance who should run after the other party who is at fault.

[naruto]

clarification lang po.... ano po b ibig sabihin ng deductible at mga magkano po b ito? salamat po...

[1D4LV]

deductibles are certain percentage na kailangang i-shoulder ng liable sa accident or nung owner nung policy/car. this is to ensure that the risks are not entirely shouldered by the insurance company, kundi baka maluge na sila.

the amount of deductibles depend on the insurance company. normally, they range from 2000 to 3500 petot.

[rensom]

deductibles are certain percentage na kailangang i-shoulder ng liable sa accident or nung owner nung policy/car. this is to ensure that the risks are not entirely shouldered by the insurance company, kundi baka maluge na sila.

the amount of deductibles depend on the insurance company. normally, they range from 2000 to 3500 petot.

Meron bang insurance company na nagbibigay ng zero deductible?

[1D4LV]

Meron bang insurance company na nagbibigay ng zero deductible?

wala afaik...standard practice yan bro.

[mark_t]

Meron mga brokers na nag o offer nyan pero ganito ang ginagawa nila..

1. Hindi nila nilalagay sa policy mo ang deductible pero isasama nila sa
sa premium mo yon deductible, bale nag bayad ka na ng in advance
hindi mo lang alam.

2. Pag yan ang hiningi mo na policy puede nila ibigay sa iyo kung
meron mag request para sa iyo or meron sasalo sa claim mo.

Sa mga agent naman meron sila sariling talyer na accredited na doon nila
pinapasok ang repair kung maayos ka na client(walang fraud claims) or friend ka ng friend ng friend ng agent, but you have to be silent on this hehe...

o isa kang napakalayong kamag anak.

Again everyone has to be silent on this...

Ang wag na wag nyo gagawin ang magkaroon ng dalawang
comprehensive collision policy sa isang sasakyan.
Yon iba kasi na casa nag i issue ng policy they hindi nila ipapasok
ang premium hangang walang claim. Madalas na do doble ang policy
number sa isang sasakyan. Automatic denied claim nyo.

Ang problema hindi alam ng client yon, yan ang nagpapatagal sa
claim kasi wala pang policy, ipapasok pa lang.

The insurance industry attracts the wrong kinds of people.

Observation ko lang po.

[kehlea]

mas mabuting deretso na kayo sa insurance companies kung gusto nyong kumuha ng insurance, huwag na po kayong dumaan sa broker or dealer unless nakatie-up cla sa insurance company.. gawin mo na lng agent sarili mo para less na ang commission sa babayaran mo, in a way nakatipid ka na.. commission is 30% of premium. deductible depends on the vehicle, if it's commercial vehicle 1% of the OD/TF Coverage and .5% on personal/private cars..
kung may claim, you can go directly to the company, hassle ang agents/brokers kasi alam nman nilang di cla mgbabayad ng claim, commission lng habol nila..

[mazdamazda]

deductible is either 1% of the vehicle's insured value or P3500/P2000, whichever is higher.

[boybi]

some insurance will require you to get job estimates from 2 or 3 'talyers' if you're not going to their accredited repair shops. the insurance will pay you the amount whichever is the lowest in the 3 estimates, less the participation.

the standard rate for the participation is 0.5% of the insured amount for passenger vehicles and 1.0% of the insured amount for commercial vehicles. but some insurance companies give a fixed amount of 2,000 to 3,000 for the participation fee.

[mazdamazda]

some insurance will require you to get job estimates from 2 or 3 'talyers' if you're not going to their accredited repair shops. the insurance will pay you the amount whichever is the lowest in the 3 estimates, less the participation.

yup. make sure that your insurance company has accredited your suking talyer or casa.

[motoro]

what if yung gusto kong shop ay di accredited nila but since hindi ako at-fault sa accident, can they let me go to the non-accredited shop then sila nalang bahala maghabol dun sa other party, since yung other party naman magbabayad? pwede ba yan?

[mazdamazda]

what if yung gusto kong shop ay di accredited nila but since hindi ako at-fault sa accident, can they let me go to the non-accredited shop then sila nalang bahala maghabol dun sa other party, since yung other party naman magbabayad? pwede ba yan?

pwede naman ipagawa sa hindi accredited. nagawa ko na yan.

kailangan lang mag issue ng letter of authority (yun ata ang tawag dun) ng insurance company mo dun sa shop.

kapag repair / collission specialist yung shop (na authorized ng ibang insurance company), medyo madali lang gawin yan. pero kung bagong shop lang na wala pang history - baka mahirapan.

[ta_fugs]

newbie here...ask ko lng mkakapag claim ba ako sa insurance company if i accidentally damage my car on my on fault? no third party involve..
ngpa-park kasi ako then ndi ko nkita ung nkatayong maliit n tubo s gilid so tinamaan ung bumber ng car ko... just a small cut on a right side of my bumper.
do i need a police clearnace on claiming,and if i decided to change my bumper i mean to upgrade on sporty look, sagot pa din ng insurance un? or the accredited
shop will just repair it.. need help please..tnx..

[basucat]

newbie here...ask ko lng mkakapag claim ba ako sa insurance company if i accidentally damage my car on my on fault? no third party involve..
ngpa-park kasi ako then ndi ko nkita ung nkatayong maliit n tubo s gilid so tinamaan ung bumber ng car ko... just a small cut on a right side of my bumper.
do i need a police clearnace on claiming,and if i decided to change my bumper i mean to upgrade on sporty look, sagot pa din ng insurance un? or the accredited
shop will just repair it.. need help please..tnx..

Of course you can claim even if it's your fault, basta accidental pa rin (versus sinadya). If it's a small cut and it's repairable, the insurer might not agree to replace it. Some insurers require a police report while others just need an affidavit or an incident report. Ask your insurer what they require. What's important is to report it immediately to your insurer. Remember that you will have to shoulder the deductible. For 3 star shops, the average painting cost is about 2,500 to 3,000 per panel and the bumper is considered as 1 panel.

Hope this helps.