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  1. Join Date
    Jan 2003
    Posts
    3,778
    #11
    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.

  2. Join Date
    Apr 2010
    Posts
    235
    #12
    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.

    Quote Originally Posted by roycruz View Post
    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.

  3. Join Date
    Oct 2007
    Posts
    1,324
    #13
    Quote Originally Posted by roycruz View Post
    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.

  4. Join Date
    Dec 2012
    Posts
    220
    #14
    Quote Originally Posted by mark_t View Post
    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 :-)

  5. Join Date
    Sep 2008
    Posts
    120
    #15
    Quote Originally Posted by robot.sonic View Post
    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

  6. Join Date
    May 2005
    Posts
    1,007
    #16
    Quote Originally Posted by roycruz View Post
    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.

  7. Join Date
    May 2005
    Posts
    1,007
    #17
    Quote Originally Posted by macsd View Post
    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.....
    Last edited by fireblade; February 17th, 2013 at 09:50 AM.

  8. Join Date
    Jan 2003
    Posts
    2,407
    #18
    Quote Originally Posted by fireblade View Post
    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

  9. Join Date
    Jul 2009
    Posts
    11
    #19
    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.
    Last edited by vriansevilla; February 24th, 2013 at 02:28 AM. Reason: erratum

  10. Join Date
    Jul 2011
    Posts
    1,711
    #20
    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.

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