Multiple incidents claim - car insurance

**roxy_gurl** · February 13th, 2019 11:55 PM

Question lang po regarding insurance claims. Kapag ba 2 incidents na magkaiba ang dineclare ko na same day nangyari, 2 rin ang participation fee? Magkabilang side kase ng rear bumper yung may tama.

Thank you!

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**istan** · February 14th, 2019 12:18 AM

Strictly speaking yes.

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**sirkosero** · February 14th, 2019 08:45 AM

Kung bumper lang may tama at walang body panels, you can probably get away with one participation. Buong bumper kasi parati ang repaint.

Pero kung may body panel, 2 incidents yan. I suggest sa talyer mo pagawa. Tipid ka pa than paying participation

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**yebo** · February 14th, 2019 12:09 PM

Yes. You pay participation per incident.

But as suggested above, why not just report 1 incident as that will be enough to repair the whole bumper?

**Lakwatsero** · February 14th, 2019 03:36 PM

Check with insurance how much your participation fee will cost. If it's beyond 3K just for one bumper, I suggest go to a body repair shop, will cost 2 to 2.5k and be done in a day. Easy to deal with pa with ever may backjob.

Unlike sa insurance, gonna take at least a week para lang ma process, and casa will probably just offload the repair to a subcontracted body repair shop. Not worth the time imo.