own cause damage what to do?

[dr. d]

ano po ba need pag ganitong own cause damage? need pa ba talga ng police report o kahit affidavit nlang?

affidavit lang po.

[imchellfish]

Hi. I have 6 panels (front and rear bumper, trunklid, driver's door, front passender door, hood) na puro scratches and dent on my front passenger door. Now, my problem is nakapagrenew nako ng insurance last August 12, 2018, all these own damage incidents happen BEFORE renewal. Pwede ko kaya iclaim lahat ng "own damage" ko sa new insurance company?

I know my fault na hindi ako nagclaim agad bago maexpire yung insurance ko, nagbabakasakali lang na baka pwede yung naiisip kong magclaim sa new insurance ko. Kasi naginquire ako if out of pocket ko ipapagawa total of 16,500php kung gagawin per panel, and 25,000php naman if iw-washover na (recommended para daw pantay ang kintab).

Thanks in advance!

[chronicle]

Pwede mo parin iclaim yan sa bagong insurance mo.

Pero since hiwahiwalay ang tama, baka 3 or more participation ang ilalabas mo.

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[benchman]

Hi. I have 6 panels (front and rear bumper, trunklid, driver's door, front passender door, hood) na puro scratches and dent on my front passenger door. Now, my problem is nakapagrenew nako ng insurance last August 12, 2018, all these own damage incidents happen BEFORE renewal. Pwede ko kaya iclaim lahat ng "own damage" ko sa new insurance company?

I know my fault na hindi ako nagclaim agad bago maexpire yung insurance ko, nagbabakasakali lang na baka pwede yung naiisip kong magclaim sa new insurance ko. Kasi naginquire ako if out of pocket ko ipapagawa total of 16,500php kung gagawin per panel, and 25,000php naman if iw-washover na (recommended para daw pantay ang kintab).

Thanks in advance!

even with own damage, you still have to state the specific date in your affidavit when the incident happened. and i don't think the if you can claim for a repair covering all the damages in 1 shot under your own damage. per panel/incident pa rin kasi ang usapan sa insurance claims. unless your insurance covers wash-over job repairs.

[imchellfish]

even with own damage, you still have to state the specific date in your affidavit when the incident happened. and i don't think the if you can claim for a repair covering all the damages in 1 shot under your own damage. per panel/incident pa rin kasi ang usapan sa insurance claims. unless your insurance covers wash-over job repairs.

I understand naman that I can't claim for a 1 incident claim, OK lang if mga 3 to 4 x participation fee vs sa 16,500php (6 panel repairs) or 25,000php washover, right?

[_Qwerty_]

yung assessor ang mag de decide kung ilang participation ang babayaran mo.. depende din yan sa written affidavit mo.. kung iba iba ang cause nang damage.. malamang 6 na participation ang singilin sayo.. malabo din i pa wash over nang insurance yan.. unless may kilala ka sa insurance mo.. baka pwede mo i request na imbes na i repair eh washover na lang.. pero usually per panel lang ang repair nyan..

[benchman]

maybe let your insurance do the assessments first. try to haggle na isama na yung labas sa isang panel,,,,malay mo.
then compare sa quotation sa iyo sa labas.

[ArjAngel]

was thinking of making the same thread, thanks for this, try ko din sa insurance ko

[Eric Sulit]

Hi, I had this damage sa right fender when I incorrectly placed the jack sa maling point. I filed for a claim since estimated ng casa is around 11k for the repair. BPI MS insurance ko however they denied my claim kasi negligence ko daw yun. Is there a workaround for this? TIA

[MR_BIG18]

Hi, I had this damage sa right fender when I incorrectly placed the jack sa maling point. I filed for a claim since estimated ng casa is around 11k for the repair. BPI MS insurance ko however they denied my claim kasi negligence ko daw yun. Is there a workaround for this? TIA

Sinabi mo sana hit and run...

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