Nabangga 2011 Hi-Ace Commuter ko

[victorevolution]

tingin ko ha?

siguro dapat muna maging current or inforce muna yung insurance policy mo. since nakainstallment ka, hindi pa sya considered as current eh (coming from my insurance background).... nagiging current lang kasi kung fully paid ang annual policy.

pero onti na lang naman eh.... i update mo lang yung payments mo, pwede ka na mag claim.

what you mean is by law no insurer could reimburse you if the payment of the premium has not been fully paid-

here is the fun part once you got involved in an accident even if it's a monthly basis (despite those monthly payments are not yet due) all of the monthly payments would become demadable hence making it abide by law or force in your term.

but in his case nada especially if the insurer got the information his van was being used for renting even if at the time of the accident it was not being used for renting.

[basti08]

tingin ko ha?

siguro dapat muna maging current or inforce muna yung insurance policy mo. since nakainstallment ka, hindi pa sya considered as current eh (coming from my insurance background).... nagiging current lang kasi kung fully paid ang annual policy.

pero onti na lang naman eh.... i update mo lang yung payments mo, pwede ka na mag claim.

Correct.

Saka konting paalaala lang, kahit anong aksidente hindi mo ma-eexpect na wala kang ilalabas mula sa bulsa mo. Kaya ingat ingat din talaga. Tama sabi ni 1D4LV, talaga naman not considered 'current' yan if not fully paid. Parang lay-away na alahas lang yan sa pawnshop. Di mo pa bayad ng buo, di mo pa makukuha.

[dr. d]

Correct.

... Tama sabi ni 1D4LV, talaga naman not considered 'current' yan if not fully paid. Parang lay-away na alahas lang yan sa pawnshop. Di mo pa bayad ng buo, di mo pa makukuha.

not having paid in full because the agreement is installment basis, is one thing. and the implication is, one has to first pay in full the annual insurance premium, before any claim can be filed.
not paying on time the installment schedule, is another thing. strictly speaking, car owner has defaulted on his payments and might now be at the mercy of the insurance firm...
using the vehicle registered as a private vehicle, as a for-rent vehicle, is yet another thing..
and having the other vehicle being driven by a proven drunk driver, is certainly another thing.

[derf8666]

Question: Even though we have arrears in our insurance policy (Federal Phoenix a.k.a Accord Insurance), can we still make a claim? Ang policy namen ay from May 2013-2014 and the insurance agreed on an installment basis. 6 payments of P3,7xx within the year is needed to keep our policy. Currently, we are only 3 payments delayed from paying the full amount. Is it possible that the insurance company will deny our claim?

I'm just anxious about this because in the business-view of things, apparently not feasible na i-handle nila yung claim since gagastos sila ng malaki, compared sa makokolekta nila samen. Possible ba?

Further details:
*nakakulong na si Driver sa Calamba Police station awaiting bail
*police report and case has been filed as well as the testaments of the 5 passengers who were hurt
*Medico-legal has been done, awaiting documented results
*estimate of the damage has not been done as we are still gathering documents to pass to insurance
*my uncle only suffered minor injury on his left gulugod, and a few aching muscles.
*the truck owner (boss ni driver) doesn't want to talk to us and will let his driver rot in jail than settle what what necessary.
*Hi-Ace is still in the impounding area of the police in Calamba, awaiting insurance handling.
*12 passengers total were in the van when the incident happened but only 5 were hurt enough to warrant a checkup
*My Hi-Ace is a van-for-rent

Help fellow tsikoteers

Normally, in case of installment basis in payment of premium, the insurer might allow you to claim but they will have to collect all the premium due before they can process the claim. However, if you fall past due, and in your case is actually way past due, then the insurer will not pay for it and they have all the legal right to deny your claim. Insurance is supposedly a cash and carry transaction. If the policy is not paid yet, then the insurer has the right to deny your claim. The long-term installment basis (6 months to twelve months!) that is prevalent nowadays is actually just a smokescreen to attract clients. Yes, they will still pay you in case of minor claims after collecting the due amount. However, in cases of jumbo claim, believe me they will not pay you unless you are a big-time client, and you don't have any recourse even if you run to the insurance commission. I still believe it is best to pay your policy in full, or at most just a credit term of 90 days. This is to avoid giving the insurance company a chance to deny your claim.

Second, unless you declared your unit to the insurance company beforehand that it is a for-rent vehicle, then you are in an even bigger trouble. That is a violation and is a ground for denying your claim.

If you can establish that the truck is at fault, then that is your only chance to have your vehicle repaired without much cost on your part. Has fault been established already? The truck owner also cannot run away from its responsibility. The driver is working for him and is therefore an accredited driver of the truck. Any accident incurred by an accredited driver from the use of a registered vehicle also makes the owner liable.

[greatauror28]

according to your second hand story the drunk truck driver was wrong(no idea about the police report) file a claim against the owner of the truck talk to the police officer not to release the truck.

that will solve your insurance problem.

next time huwag magtipid if your in a financial difficulties sell your sorento and stick to one vehicle

edited for dr.d

ikaw may ari ng sorento ay mali

since it's a van for rent and your uncle is driving you should have been paying the insurance from the very start!

dapat ikaw ang managot sa paghospital ng mga nagrent ng van mo and dapat kasuhan ka since your plate is a private vehicle and not a for public(kahit ang may mali ay drunk truck driver- solution is reimbursement but ikaw at ikaw lang ang dapat managot sa pasahero mo- good father of a family rule)

pusta ako wala ka pang cpc certificate(kahit small or meduim size ang rent a van business mo ay kailangan mo niyan)

under transpo law you are already considered a public vehicle since you give your transpo services to the public for a fee!


AGAIN LAKAS NG LOOB MO MAG 2 SASAKYAN PERO SA PANG BUSINESS NA RENT A VAN DI MO MAN NILAGYAN NG INSURANCE DAPAT KASUHAN KA!!

Thank you for prejudging me without even knowing me personally.
If you do, you'll know that the Hiace van is there in the PH for family business, though it is still privately-license. The van is also paying for himself with its income from renting and its monthly amortization so no problem for us. The insurance arrears are merely cause of busyness of my father operating the business alone.

And you'll know also that my Kia Sorento SX is my SUV here in Canada, so that's doesn't even part of the picture.
I appreciate your effort replying here in my thread but next time please know the details before opening your loud mouth.

i wish i knew why he has two vehicles, before i can castigate him for having two vehicles..

This is supposed to be your attitude *victorevolution if you have the mind and manners we all have.

ILLEGAL RENT A VAN BUSINESS there you go

as evidence by the private license plate no.

(Privately) Rent-a-van businesses are usually green-plated as many of my father's friends do own and operate.
Yellow-plated vans are the ones used for shuttle services and school buses because they are required to do so.
We've never had any problem with any enforcer or police with our business because we don't use it for colorum purposes.

Covered ka pa din. Just pay the whole premium amount. Not just the scheduled partial payment. Atleast that's how it goes with my insurer. Standard insurance. Installment, then if you have claim you have to settle the whole amount for your claim to progress.

A lot of friends are telling me this, thank you for adding another hope in my book.

Update the payments pronto. Also read the fine print as if the insurance learns the van was used "for hire", there might be basis for refusal if it's stated that the vehicle is for private use.

Actually, a lot of the "For Hire" private vehicles i've encountered before were always driven by relatives of the owners who are Pinoys based abroad.

That's what we are planning to do. Thanks!
Since we are immigrants now, we decided to have the van rented since we are away and no one in my family drives it so better make it an income-generator for us.

[derf8666]

(Privately) Rent-a-van businesses are usually green-plated as many of my father's friends do own and operate.
Yellow-plated vans are the ones used for shuttle services and school buses because they are required to do so.
We've never had any problem with any enforcer or police with our business because we don't use it for colorum purposes.

Regardless of the legality of your business, as far as comprehensive insurance is concerned, it is not allowed. It is right on the first page of the policy contract under the title LIMITATIONS AS TO USE: It says, This policy does not cover ... 3. Use for the carriage of passengers, or for hire or reward... So if it isn't mentioned yet in the police report that your vehicle is for hire, then try not to tell the insurance company anymore. Just say those are your friends and relatives hitching a ride otherwise it will render the payment term discussion moot and academic.. Hope it helps.

[greatauror28]

^ Thank you. Actually, the passengers are my uncle's neighbors and, if asked, they are to say that they're not paying the driver or the van owner any money, and its just like an ordinary family trip. Good thing was the passengers were easy enough to talk to even after the incident. Maybe it helped that we shouldered the hospitalization of them and really made sure they are okay before being discharged in the hospital. We really took care of them after the incident.

[rna800]

*greatauror28: If I were you, sir, better to blur the plates or completely remove the pics of your van to avoid technicalities with your insurance. You wouldn't know when they do an investigation and they stumble in this site and see your pics, that might pose a bigger problem on your part.

[yapoy86]

^ Thank you. Actually, the passengers are my uncle's neighbors and, if asked, they are to say that they're not paying the driver or the van owner any money, and its just like an ordinary family trip. Good thing was the passengers were easy enough to talk to even after the incident. Maybe it helped that we shouldered the hospitalization of them and really made sure they are okay before being discharged in the hospital. We really took care of them after the incident.

check the thread title and your post "First of all, hindi po ako ang nagmamaneho nang binangga ang Hi-Ace ko ng ulo ng trailer truck"

note the word Hi-ace ko.. so it means sayo nga yung hiace? correct? now even if your father operates that business the fact that you use the vehicle as "for rent" by the public, it needs authorization from LTO or LTFRB... illegal pa din yung business nyo.. even hotels that have vehicles to shuttle their guest from hotel to airport have yellow plates..

if i were you, wag ka na maghabol dun sa insurance company kasi baka makasuhan ka pa ng fraud

[leodawesome]

I do hope your insurance doesn't get a hold of this thread. Still, I wish you luck on your insurance claim.

Confirm first with the insurance if the claim can be processed once full amount was settled. Otherwise, walk away and shoulder the repairs. I do hope this serves as a lesson to fully settle at least the insurance for any vehicle that will be used 'privately' for peace of mind.

Again, good luck.

[victorevolution]

Thank you for prejudging me without even knowing me personally.
If you do, you'll know that the Hiace van is there in the PH for family business, though it is still privately-license. The van is also paying for himself with its income from renting and its monthly amortization so no problem for us. The insurance arrears are merely cause of busyness of my father operating the business alone.

And you'll know also that my Kia Sorento SX is my SUV here in Canada, so that's doesn't even part of the picture.
I appreciate your effort replying here in my thread but next time please know the details before opening your loud mouth.



This is supposed to be your attitude *victorevolution if you have the mind and manners we all have.



(Privately) Rent-a-van businesses are usually green-plated as many of my father's friends do own and operate.
Yellow-plated vans are the ones used for shuttle services and school buses because they are required to do so.
We've never had any problem with any enforcer or police with our business because we don't use it for colorum purposes.



A lot of friends are telling me this, thank you for adding another hope in my book.



That's what we are planning to do. Thanks!
Since we are immigrants now, we decided to have the van rented since we are away and no one in my family drives it so better make it an income-generator for us.

so your opinion is now a law.

so your evidence is to point out that others has been doing it hence why shouldnt i do it as well

so your defense is that no law enforcer has caught you so why wouldn't be that a problem for you.

tsk tsk tsk the law maybe harsh but it is still the law, no need to know you personally since it already show you can afford another vehicle yet tinipid mo ang safety ng passenger mo who pays for a fee

art 3 Philippine civil code- read it!

even though a third party is at fault as long as you are a in a business of public transportation you would shoulder the cost of any medical expense of your passenger- by law- transpo law(despite it's age it is still in effect )

if other will be gentle on you i will not!

THINK ABOUT THE CONSEQUENCES OF YOUR ACTION OR IN THIS CASE INACTION

think before opening your loud mouth when all it spill is ignorance on your part

your paawa effect of using the van to pay for it without the necessary paper work or legality is just plain stupid.

[CLAVEL3699]

hold it boys... hinay hinay sa mga wordings!!!

[brainmafia_310]

Thank you for prejudging me without even knowing me personally.
If you do, you'll know that the Hiace van is there in the PH for family business, though it is still privately-license. The van is also paying for himself with its income from renting and its monthly amortization so no problem for us. The insurance arrears are merely cause of busyness of my father operating the business alone.

And you'll know also that my Kia Sorento SX is my SUV here in Canada, so that's doesn't even part of the picture.
I appreciate your effort replying here in my thread but next time please know the details before opening your loud mouth.



This is supposed to be your attitude *victorevolution if you have the mind and manners we all have.



(Privately) Rent-a-van businesses are usually green-plated as many of my father's friends do own and operate.
Yellow-plated vans are the ones used for shuttle services and school buses because they are required to do so.
We've never had any problem with any enforcer or police with our business because we don't use it for colorum purposes.



A lot of friends are telling me this, thank you for adding another hope in my book.



That's what we are planning to do. Thanks!
Since we are immigrants now, we decided to have the van rented since we are away and no one in my family drives it so better make it an income-generator for us.

Sir sensya kung makikisawsaw po.

Hindi porket ginagawa ng iba eh tama. Ang tawag diyan dito sa lugar namin "colorum". Privately owned vehicle ibinabyahe either on a fix route (most often) or whatever is agreed.

Malaki liability mo sa itaas kung nagkataon Sir.

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