Options pag nabangga

**macsd** · January 27th, 2013 11:21 AM

Hindi pwedeng walang insurance yung nakabanga, meron yan kahit TPL. Hindi mareregistro ang kotse ng walang
insurance kaya automatic ang TPL. Kung walang insurance yan, wala din registro yan, so double na kaso nya.
Get police report & copy of license ng nakabanga + registration papers. Submit mo sa insurance mo at sila na
bahala maghabol dun sa nakabanga.

Bago kayo umalis, dapat pinalusutan nyo rin ng suntok yung driver. Gasgas na alibi yang lumusot ang preno.

**derf8666** · January 27th, 2013 01:07 PM

CTPL, yung ginagamit sa pagrehistro, ay hindi sakop ang pagbangga ng pagaarian ng ibang tao tulad ng sasakyan. It only covers accidents against thrid party body injury and death. So if you hit another car with only CTPL as your insurance, then you cannot use your insurance.

Lahat ng sasakyan dito sa pinas ay kailangang may CTPL coverage, pero yung compre ay optional lang. Although it is highly suggested that anyone who has a car should have a compre insurance, especially considering the driving conditions here . You should consider it as a necessary expense in owning a vehicle.

Originally Posted by roycruz

Binangga kotse ng friend ko sa likod while full stop dumulas daw pagapak sa break sabi ng nakabangga. May comprehensive insurance friend ko pero walang insurance ang nakabangga.

Sabi ng iba matatagalan daw pag nireport sa insurance kasi hahabulin pa daw ang nakabangga. Is this true? May nagsabi mas mabilis daw processing sa na hit and run. I don't understand this coz ang intindi ko nag compre ka para walang hassle.

Napaestimate na papalitan trunk cover, tail lights at bumper medyo mahal. Appreciate your advice please thanks!

If you reported the case to the insurance company as is (what actually happened), then the insurance will proceed with the repair but you will have to pay for the participation, whether you pay yourself or you ask the other party to pay is up to you. But that will not absolve the one who bumped you. The insurance may or may not go after him in the future. Usually though pag below 50k ang accident and covers only property damage, they dont really bother. Probably they might send him a demand letter. However, if an injury did happen and especially death, then there will most likely be a case filed against the third party.

**mark_t** · January 27th, 2013 01:13 PM

Originally Posted by roycruz

Binangga kotse ng friend ko sa likod while full stop dumulas daw pagapak sa break sabi ng nakabangga. May comprehensive insurance friend ko pero walang insurance ang nakabangga.

Sabi ng iba matatagalan daw pag nireport sa insurance kasi hahabulin pa daw ang nakabangga. Is this true? May nagsabi mas mabilis daw processing sa na hit and run. I don't understand this coz ang intindi ko nag compre ka para walang hassle.

Napaestimate na papalitan trunk cover, tail lights at bumper medyo mahal. Appreciate your advice please thanks!

Hindi po totoo na mas matagal ang claim pag hindi hit and run.

Sinungaling kausap niya, kung hindi man ay nambobola o engot. Kung ano lang nangyari yon lang report ninyo.

**roycruz** · January 27th, 2013 09:42 PM

Originally Posted by mark_t

Hindi po totoo na mas matagal ang claim pag hindi hit and run.

Sinungaling kausap niya, kung hindi man ay nambobola o engot. Kung ano lang nangyari yon lang report ninyo.

Thanks malinaw na :-)

**Indiosbravos200** · February 17th, 2013 05:18 AM

Originally Posted by robot.sonic

pag humingi ka ng pang participation fee sa nakabangga, maganda kung wala kang pipirmahan. may case kasi na kinasuhan ng insurer yung insuree kasi di na nila mahabol yung nakabangga since may signed agreement na wala nang habol yung insuree sa kanya.

If you opt to ask for participation fee instead, charge it to own damage. Hahabulin ng insurance company yang nakabangga sayo. Lalo na kung may blotter

**fireblade** · February 17th, 2013 09:22 AM

Originally Posted by roycruz

Binangga kotse ng friend ko sa likod while full stop dumulas daw pagapak sa break sabi ng nakabangga. May comprehensive insurance friend ko pero walang insurance ang nakabangga.

Sabi ng iba matatagalan daw pag nireport sa insurance kasi hahabulin pa daw ang nakabangga. Is this true? May nagsabi mas mabilis daw processing sa na hit and run. I don't understand this coz ang intindi ko nag compre ka para walang hassle.

Napaestimate na papalitan trunk cover, tail lights at bumper medyo mahal. Appreciate your advice please thanks!

hoping that your friend knows how to read, its in the policy.

good morning.

**fireblade** · February 17th, 2013 09:23 AM

Originally Posted by macsd

Hindi pwedeng walang insurance yung nakabanga, meron yan kahit TPL. Hindi mareregistro ang kotse ng walang
insurance kaya automatic ang TPL. Kung walang insurance yan, wala din registro yan, so double na kaso nya.
Get police report & copy of license ng nakabanga + registration papers. Submit mo sa insurance mo at sila na
bahala maghabol dun sa nakabanga.

Bago kayo umalis, dapat pinalusutan nyo rin ng suntok yung driver. Gasgas na alibi yang lumusot ang preno.

eto the best, away ang hanap

babaw na rason para makipagsuntukan at pang kalye ang asal

baka po sa susunod, barilin naman ang suggestion niyo.....

**A121** · February 17th, 2013 05:31 PM

Originally Posted by fireblade

eto the best, away ang hanap

babaw na rason para makipagsuntukan at pang kalye ang asal

baka po sa susunod, barilin naman ang suggestion niyo.....

parating may ganyang suggestion no? i still believe na lahat ay madadaan sa maayos na pakikipag-usap.

well except kung kausap mo ay Pasay TE. LOL

**vriansevilla** · February 24th, 2013 02:26 AM

Hello po. Ask lng po ako ng opinion nyo. Nabangga kase ako ng taxi. Nagclaim ako sa insurance ng operator pero under insured. 98k kse est repair. Ngayon nkikipag areglo n lng. Ang gusto nila mangyari, babayaran akong 50 k ng insurance nila then magpirmahan kami, tpos magfile ako ng own damage sa insurance ko. Nakapagbigay na din ng cert of no claim insurance ko, although pwede p din daw ako magclaim sa kanila.

Pagpumayag b ko dun sa settlement, pwede bng ma deny claim ko sa insurance ko?

Gusto ko sana humingi n damages dhil d ko magamit yung car at nagtataxi lng ako papasok sa work which is mas magatos.

**Manilablock** · February 24th, 2013 07:07 AM

Kung ung amount ng areglo ay same sa estimated repair cost baka pwede pa areglo ka, pero kung partial lan tapos magsisinungaling ka pa sa pag claim baka ikaw pa ang mapasama.

Kung kaya naman i-cover ng insuance mo, ipasagot mo na sa insurance ung repair. Tutal willing naman pala magbayad ung nakabanga sayo so ibayad na lan nya un sa insurance.