Nabangga kotse ni misis

[jayteecie]

Bakit papayag ang Alterra na sa insurance nila ang gagamitin? If the Alterra owner files a claim against her insurance policy, her insurance premium will go up the next year.

Dunno if that is really true but if it is, I can always transfer to another company. But as per my experience with my suki, one time I had my bumper changed then the following year, my windshield. On both occasions, my premium still went down upon renewal. They just base the premium on the value of the car for the prevailing year.


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[kutangbato]

Bakit papayag ang Alterra na sa insurance nila ang gagamitin? If the Alterra owner files a claim against her insurance policy, her insurance premium will go up the next year.

Nasa pag uusap na nila TS at alterra owner, within reasonable terms and conditions.

Kung tataas next year un premium ni alterra owner, then kumuha sya sa ibang insurance company. Ganun ka simple lang yan. Bakit ka papaloko dun sa insurance company na yun? Not unless si alterra owner kinuha nyang insurance ay for 10 years. So far, alam ko na kumukuha ng insurance ay for a year lang.

Saka yearly nagdedepreciate ang value ng car natin and insurance company based their premium sa value ng car for that year alone.

[Balikpinoy]

Dunno if that is really true but if it is, I can always transfer to another company. But as per my experience with my suki, one time I had my bumper changed then the following year, my windshield. On both occasions, my premium still went down upon renewal. They just base the premium on the value of the car for the prevailing year.


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I filed a claim against Malayan insurance amounting to about 660k in damages. My premium went up by about 10k the next year. I opted to get a new policy with BPI Mafre instead to the dismay of my RCBC Bank manager. This was was in 2010.


My point is the person who is not at fault should not be asked to avail of their own policy in effect. There are consequences to filing a claim as well as admitting fault.

[jayteecie]

True that's why it's called settlement. In your case, that's an awfully large amount that's why your premium was increased. In this particular case, it's just a measly fraction of your claim. Kaya nga pakiusapan lang eh kung papayag. We are here just trying to help the TS and suggesting.


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[kenzie]

Pag yellow or orange kasi drive faster daw.

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OT :

haha yan din lage sinasabe ng anak ko sa akin tuwing ihahated ko sa shcool gusto habulin ko yung yellow light mukang mgiging kakasera paglaki wag naman sana

[SiRbossR]

Pag yellow or orange kasi drive faster daw.

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Sad to say. Yan ang turo ng A1.

[gearhead000]

Kaya laking pasalamat ko sa mga bagong stop lights ngayon yung with timers na. At least kahit malayo ka pa alam mo na kung aabot based sa time remaining saka sa volume ng traffic ahead.

[brainmafia_310]

Dunno if that is really true but if it is, I can always transfer to another company. But as per my experience with my suki, one time I had my bumper changed then the following year, my windshield. On both occasions, my premium still went down upon renewal. They just base the premium on the value of the car for the prevailing year.


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Agree Sir.

I filed a claim against Malayan insurance amounting to about 660k in damages. My premium went up by about 10k the next year. I opted to get a new policy with BPI Mafre instead to the dismay of my RCBC Bank manager. This was was in 2010.


My point is the person who is not at fault should not be asked to avail of their own policy in effect. There are consequences to filing a claim as well as admitting fault.

Tama yan Boss, insurance claim have several tools to determine the amount of your Premium - in this case they did not base your premium on the value of your car but your RISK. heheheheh. We'll sometime(s) even if you transferred from one insurance to another you are already flagged as high risk driver. heheheh peace. AFAIK lang po ito based on some explanation with some of the insurers i have talked to in the past,.

True that's why it's called settlement. In your case, that's an awfully large amount that's why your premium was increased. In this particular case, it's just a measly fraction of your claim. Kaya nga pakiusapan lang eh kung papayag. We are here just trying to help the TS and suggesting.


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Agree. if i recall it correctly anyway works they can both use the insurance Alterra. Pakiusapan na lang nila yung Police na gawan ng report na fair na hard to determine the culprit kasi traffci and etc. kaya nila yan. so walang may kasalanan sa dalawa. or both silang may kasalanan - which is unacceptable sa isang party with right of way.

Kaya laking pasalamat ko sa mga bagong stop lights ngayon yung with timers na. At least kahit malayo ka pa alam mo na kung aabot based sa time remaining saka sa volume ng traffic ahead.

TAMA!!! sana lahat ganyan na. share ko alng din di ko din alam bakit ganon na pag nag change lane ka yung nasa kabilang lane bumibilis ng husto. lagi ko naeexperience sa SLEX/Skyway and daang hari. i usually overtake at the overtaking lane of course and go back to the middle lane. after i overtake i ensure that the distance of the other vehicle is far from me by at least 2 to 3 cars, but when i signal to go back to that lane harurut!!! - sorry OT>

[robsem]

Question, what is your insurance coverage? If it's only TPL, I guess it's better if you just settle with her. Ask her nicely if they have a Comprehensive coverage, and if they say yes, ask her if you both can use her insurance and you'll just be the one to take care of their counterpart. If it's comprehensive kasi, Her TPPD will already take care of your damages depending on the amount she availed. As for her damages, well usually there really is a Participation fee. In which case, better offer that you take care of it na lang. Pwede naman yan maayos sa mahinahong usapan kasi. Sana nga lang, comprehensive nga yung kanya.


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TPL lang sir. Hindi ko na pina compre kasi old na din naman ung mazda. Mag 8 yrs old na. Pero dahil sa nangyari, gusto ni misis kumuha na ng compre. Magkano ba usually participation nung sa alterra?

Judge ikaw ba yan?

TS talk with the alterra driver and for sure reasonable person yun, unlike her two lady passengers.

Try mo itanong kung naka Compre insurance si lady alterra, try mo kung payag sya ipagamit un insurance nya by you paying the participation pero dapat sa police report si lady alterra ang may sala. Para maipapagawa ng insurance nya un alterra nya at mazda3 nyo. HTH

Tulad ng nangyare sa naka bangga sakin a few years back, minor at naka inom pa, un magulang pati natin lolo nun minor tiklop tuhod magpa umanhin dahil walang pambayad. Sabe ko na lang bayaran na lang insurance participation ko para maipagawa un kotse ko sa casa. If i remember it correctly, parang 5k lang ata participation ng compre insurance ko.

Naka compre ung alterra sir. Willing kami na mag settle at ilang beses ko kinausap ung lady driver ng mahinahon kaya lang sa korte nalang daw kami magkita. Malakas kasi connection ng pamilya nila. Hope magbago isip pag nag meet ulit bukas pag wala na ung mga asungot na kasama.

How many seconds pa b sa stoplight when your wife decided to stick the mazda's n0se into the alterra's lane? My opinion even kasya o malaki pa agwat nung alterra sa nasa unahan nya it's also dangerous to shift lanes pg ganyang trapik. Maneuver yan ng mga bus at puj drivers eh. Forcing your way in. Not because sila nakabangga sila na may kasalanan.

OT: magagamit b yung insurance mo to settle 3rd party's damages kung lalabas sa police report eh hindi ikaw ang at fault?

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Sabi ni wifey magkatapat daw sila nung alterra while moving pa trapik. Nung nag stop na, hindi na nagmove forward ung alterra kahit malaki ung space nila nung harap nya. Kaya nag forward si misis tapos nag merge sa lane ng alterra. Atleast 30 seconds mga traffic lights dun before magpalit ng color. So i think atleast 20 seconds nang pasok ung hood ng mazda sa lane ni alterra before nag go ung trapik. Parang imposibleng hindi mo makita ung sa left side mo sa ganun katagal kung nasa manibela ang atensyon mo. Lalo na at blinking ung signal lights sa likod at sa fender. Saka mataas pa ung alterra.

[jayteecie]

Obviously, the other party haven't experienced what litigation is like here in our country. Otherwise, she wouldn't have uttered those words. Participation fee depends on the policy I'd say around 5-7K if it is just their bumper. I'm sure the Police investigator realizes how hassle it is if you go down the route of litigation so maybe you can ask him to help you settle the case and convince the other party. I also wouldn't get comprehensive at this age of the car. What I'd get though is TPL+TPPD for 50K coverage.


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[skybison]

Sabi ni wifey magkatapat daw sila nung alterra while moving pa trapik. Nung nag stop na, hindi na nagmove forward ung alterra kahit malaki ung space nila nung harap nya. Kaya nag forward si misis tapos nag merge sa lane ng alterra. Atleast 30 seconds mga traffic lights dun before magpalit ng color. So i think atleast 20 seconds nang pasok ung hood ng mazda sa lane ni alterra before nag go ung trapik. Parang imposibleng hindi mo makita ung sa left side mo sa ganun katagal kung nasa manibela ang atensyon mo. Lalo na at blinking ung signal lights sa likod at sa fender. Saka mataas pa ung alterra.

well, assumptions are:

1. malamang nagtsi-tsismisan nga yun 3 sa alterra
2. left hand drive nga tayo BUT sa 'common' female driver (altera) - pwedeng maging blind spot yun location ni mazda3 + gabi pa
** dark tints ba si altera?

korte korte pa (para naman tatakasan nyo o ayaw nyo magsettle). Obviously those 2 passengers doesn't have any idea kung gaano sakit sa ulo't abala ang ipaabot sa korte yan. Participation usually ranges from 3-4k (depende sa insurance/car involve).

[Balikpinoy]

Participation is usually 1% of the declared value of the car on the insurance policy.

[Retz]

tingin ko na miscalculate ni esmi ung pag swerve to the right. since na hindi counted yan as swerving, inattentive ang ilalagay sa police report nyan.

[mark_t]

1. I think mali at hindi marunong pareho na driver dito. 1.1 Pag may open space pa ay kailangan i occupy na?.
1.2 On driver of Isuzu she should not move forward if not positive that the road is clear.
Walang right of way na pinaiiral sa kalsada kundi "Vehicles are unsafe at any speed".
Pasalamat kayo hindi pa aral ang pulis, automatic ticket yan Involved in accident.

Anyway move forward. If you are prepared to assume responsibility then prepare ka na.
Get Insurance as your wife clearly is not a good driver. Puesto pa lang wala na sa lane.
Pero since ikaw ang binangga at galing sa likod ang bumanga
ay huwag mo na pansinin yon nga bungangera na nakikisakay lang sila pa maingay.

If they want to go to court then let them, gusto nila yon eh. Hindi mo maawat sila kung saan sila masaya.

What I would recommend you to do is get a copy of the police report clearly stating that you are V1 and bumped by V2.
Then pa insure mo na car mo, puede naman kahit 6months to pay.
Then re assure your wife na everything is alright and you will handle the bitches.
If she made a mistake then forgive her and move on. Marami pa siya na car accident na haharapin.
Protect your wife, ikaw na humarap doon sa mga bungangera. Sa iyo naman ang car.

Sa akin limited experience ay ikaw binangga so get a copy of their insurance policy and file a third party claim on their policy para masa ayos na ang vehicle ninyo. But don't count on them having insurance kasi wala naman
sila ata tinawagan para tanungin kung ano gagawin. Kunyari lang siguro na mayroon.

Sa pulis naman alam nila rules to play safe which is state the facts V1 was bumped by V2.
Mag file ka na ng 3rd party claim kung mayroon ng silang policy para malaman nila na hindi ka papa loko.

[mark_t]

Obviously, the other party haven't experienced what litigation is like here in our country. Otherwise, she wouldn't have uttered those words. Participation fee depends on the policy I'd say around 5-7K if it is just their bumper. I'm sure the Police investigator realizes how hassle it is if you go down the route of litigation so maybe you can ask him to help you settle the case and convince the other party. I also wouldn't get comprehensive at this age of the car. What I'd get though is TPL+TPPD for 50K coverage.


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Wala ng 50,000php na bi/pd, matagal na. Unless you have the volume to be a writing agent.
IC required a 100k minimum.

[mark_t]

I filed a claim


My point is the person who is not at fault should not be asked to avail of their own policy in effect. There are consequences to filing a claim as well as admitting fault.

I disagree.

[Manilablock]

Kung matuloy man sa demandahan, pwede mo naman siguro i-reason out sa korte..

Kaya po naimbento ang preno ay para gamitin, sa pagkakataoon pong ito mukhang hindi pa alam ng driver ng nakabanga na meron na pong prenong naka-install sa car nya.

[mark_t]

While you guys have decided that the isuzu has right of way, what is it doing at the
right most lane when its intention is to go straight ahead to edsa ayala?
In this area the 4 lane road was divided by a concrete barrier , 2 lanes on the left for those
going straight ahead and wishing to u turn at edsa and 2 lanes for going to paseo de roxas,
buendia and to ayala.

On this area of edsa your right is the long perimeter wall of bel-air.
Hindi naman siguro sila galing sa San Carlos Seminary?

[erick_214]

The Mazda is clearly at fault here, kitang-kita naman sa picture na bigla siyang nag change ng lane...Just to share my experience 15 years ago, yung owner jeep pa gamit ko noon, ilang kotse na rin ang nakabanggaan ko na halos kapareho ng sitwasyon ng wife mo. As long as I'm in my lane kakayurin ka ng owner ko...

4 cases, 3 cases won and 1 case walang nangyari so I will say quits. Sa 3 cases na nanalo ako, hindi pa siya sa court mismo, doon pa lang kame sa unang stage, ewan ko kung ano tawag sa kanya, mediator ata eh. Siya na mismo magsasabi kung sino may kasalanan based sa pictures at sa mga sinasabi ng both parties. Huwag nyo nang intindihin yung police report dahil walang kwenta yan pagdating sa ganyang klase ng kaso. I do admit it na sa 4 cases na yan eh sinadya ko talaga dahil hindi ko talaga pinereno, pero syempre hindi yan yung sinabi ko sa mediator.

Bottomline, I like my car now kahit hindi siya brand new, I do drive with care but of course the beast inside us can be unleashed anytime. Just be ready to pay the consequences even your at fault or not...

[erick_214]

While you guys have decided that the isuzu has right of way, what is it doing at the
right most lane when its intention is to go straight ahead to edsa ayala?
In this area the 4 lane road was divided by a concrete barrier , 2 lanes on the left for those
going straight ahead and wishing to u turn at edsa and 2 lanes for going to paseo de roxas,
buendia and to ayala.

On this area of edsa your right is the long perimeter wall of bel-air.
Hindi naman siguro sila galing sa San Carlos Seminary?

It doesn't matter, the driver can always change what they say. Pwede niyang sabihin na kakanan din siya...But it seems like the Mazda is turning right, so dapat estimate of 50m to 100m pa lang eh nasa outer lane na siya, pero depende pa rin sa road marking yan eh, pero as usual ano aasahan natin sa standard ng road markings dito sa atin? Puro SUB-standard...