Need some legal advice related to car insurances

**papi smith** · May 17th, 2018 09:41 AM

The fact na magbibigay sya ng 20k ay alam nya na pwede syang makasuhan at sinusubukan nya i-bluff ka sa lower areglo.

Originally Posted by dreamur

I would file a case and call his bluff. Even if his name is not on the police report, the van is and his in law (driver). Baka aawayin pa siya ng mrs nya.

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**dr. d** · May 17th, 2018 11:07 AM

Originally Posted by queenamber97

This is a follow up to this issue. Dinala ko na ang ertiga ko sa shop, at ang estimate is 85k. Tapos kinausap ko ang owner ng Hi-Ace, ngayon 20k lang daw ang ibibigay nya at masabi pa nya na buti pa nga daw ay may maitutulong cya. Kasi daw pag kinasuhan namin cya, wala daw name nya sa police report. Kulang pa nga pang down payment ang 20k, kasi may DP na hinihingi ang shop para ma repair na (which is 50% of the estimated cost na 85K) Ngayon hindi ko tinanggap ang 20k kasi sobra namang baba. May pa "take it or leave it" pa cyang nalalaman. Kung hindi ko daw tatanggapin, bahala daw ako. paran feeling nya hindi cya matatablan kung mag file ako ng case kasi nasa UAE cya.

sue the owner.
it will be up to him to prove in court, that the driver was "not authorized".
besides, what still can you lose?

**vproject** · May 17th, 2018 11:50 AM

Sue the owner and if you're feeling vindictive, alamin mo kung san sya nagtratrabaho sa Dubai and inform his company (anonymously) na me kaso sya. j/k.

Ung ugali rin nung driver na ayaw tumanggap ng responsibility sa pagkabangga nya, yan ung mga dapat tanggalan ng license and I-ban from driving.

**Walter** · May 17th, 2018 12:14 PM

If the vehicle is under bank loan, there should be comprehensive insurance ... file a case ... then request for a hold departure order or have his passport alerted ... that will give the owner headache ...

**Ry_Tower** · May 17th, 2018 01:00 PM

Correct si walter. Kapag may kaso sakit sa ulo ng OFW yan. Kamaganak niya pala nagdrive eh, ano yun kakasuhan niya carnapping? Just to prove na hindi authorizer.

Sue the owner of the van for civil damages and file a criminal case against the driver. Criminal case na reckless imprudence resulting to damage of property. Kahit wala name ng owner dun sa police report eh name naman niya nakaregister sa sasakyan. Liable pa din siya if insolvent yung driver.

Siya na bahala maghabol sa driver niya pero sa iyo sagot niya dapat perwisyo at gastos. Both criminal at civil aspect ang ipakaso mo.

Get a lawyer. A friend if you have one. Lawyers expense ipasama mobsa damages since wala naman sana case kung matino sila kausap kamo. Lalaki lalo gastos nila.

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**ChoyJo** · May 17th, 2018 01:34 PM

Originally Posted by Ry_Tower

Correct si walter. Kapag may kaso sakit sa ulo ng OFW yan. Kamaganak niya pala nagdrive eh, ano yun kakasuhan niya carnapping? Just to prove na hindi authorizer.

Sue the owner of the van for civil damages and file a criminal case against the driver. Criminal case na reckless imprudence resulting to damage of property. Kahit wala name ng owner dun sa police report eh name naman niya nakaregister sa sasakyan. Liable pa din siya if insolvent yung driver.

Siya na bahala maghabol sa driver niya pero sa iyo sagot niya dapat perwisyo at gastos. Both criminal at civil aspect ang ipakaso mo.

Get a lawyer. A friend if you have one. Lawyers expense ipasama mobsa damages since wala naman sana case kung matino sila kausap kamo. Lalaki lalo gastos nila.

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Dagdag mo din yung mental torture/stress na binigay o dulot nito sa'yo.. Tapos if possible lahat ng usapan nyo yung kayang ipahard copy para dagdag ebidensya..

Pero kapag pumasok ka sa ganitong KASO siguraduhin mong ready ka.. May katagalan ito at kung desidido din kalaban mo magka-counter din yun.. May mga tao kasi talagang alam na nilang sila ang mali pero ang gusto babaliktarin ka pa.. Sana Manalo ka para matauhan yung mga Mokong na Involve..

**MR_BIG18** · May 17th, 2018 03:00 PM

Hey guys...ingat kayo sa no chattel mortgage at free insurance for the 1st year..babawiin din yan ni bank sa 2nd and 3rd year...kasi may lock in period ka na 2 years...this june im gonna pay the insurance dapat..kumuha si misis sa charter ping for her vios it was cheaper than i expected...3 installments pa, so nag pa qoute ako for my xt...it was 27k with AOG, 3 gives also..so i called my bank..told them about the lock in period was over, kukuha nalang ako sa labas, baka maunahan ako ng insurance comp ng bank tapos si bank bayaran agad...i have no choice but to pay again..buti sa june pa maturity so they said just send me the qoute of charter ping..bka pwede nilang pantayan...btw..last year 42k binayaraan ko, year b4 that it was 44k...di la naman maka complain coz may lock in period

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**Juan Martinez** · May 18th, 2018 12:44 PM

Originally Posted by Walter

If the vehicle is under bank loan, there should be comprehensive insurance ... file a case ... then request for a hold departure order or have his passport alerted ... that will give the owner headache ...

only the RTC can issue HDOs. reckless impudence resulting to homicide OR reckless impudence resulting to damage to property is under the jurisdiction of the first level courts (MeTC, MCTC, MTCC). the latter do not have authority to issue HDOs.

**Juan Martinez** · May 19th, 2018 08:39 AM

Originally Posted by Juan Martinez

only the RTC can issue HDOs. reckless impudence resulting to homicide OR reckless impudence resulting to damage to property is under the jurisdiction of the first level courts (MeTC, MCTC, MTCC). the latter do not have authority to issue HDOs.

correction: not impudence but IMPRUDENCE

**ctrl** · May 21st, 2018 01:21 PM

Hingi lang po ko advice mga Sir, currently nasa accredited shop yung kotse ko, kaso natatagalan ako sa repair, close to 3 months na, mga pang ilalim mostly tinamaan, Ang sinasabi nila sa kin, wala pa daw yung parts. Ganun po ba yun? Walang date kung hangang kelan repair? Mag aantay na lang talaga ang gagawin?