own cause damage what to do?

**shadow** · August 7th, 2019 03:58 PM

Originally Posted by 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

Huh!? Own damaged deny nila? Anong klaseng insurwncd yan?

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**misseksaherada** · August 7th, 2019 04:15 PM

Originally Posted by shadow

Huh!? Own damaged deny nila? Anong klaseng insurwncd yan?

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Kapag nag DIY ng gawa sa kotse pwede ma-deny if nakapag cause ng damage?
Ang weird naman ng BPI.. BPIMS din ako pero 3 business days approve naman self damage na bangga ko sa plant box.. yung initial na computation nila sa approval umabot ng almost ₱50K. BPIMS din nagbigay estimate prior sa pagpunta ko sa casa.. sila na din nag forward sa preferred casa ko.. copied lang ako sa email..

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**_Qwerty_** · August 7th, 2019 04:37 PM

same thing pag nadale nang Daga ang electrical.. hindi din nila ni co cover..

**misseksaherada** · August 7th, 2019 04:38 PM

Originally Posted by _Qwerty_

same thing pag nadale nang Daga ang electrical.. hindi din nila ni co cover..

Wew....

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**heavenlee** · August 7th, 2019 04:38 PM

Honesty is NOT the best policy???

**misseksaherada** · August 7th, 2019 04:41 PM

Originally Posted by heavenlee

Honesty is NOT the best policy???

Whahahahahahahahaha natawa ako dito.. honesty is NOT the best in INSURANCE POLICY.. Whahahahahahahahaha [emoji23][emoji23][emoji23][emoji23][emoji23]

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**yebo** · August 7th, 2019 05:14 PM

Originally Posted by shadow

Huh!? Own damaged deny nila? Anong klaseng insurwncd yan?

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May nabasa nga ako sa insurance policy ko na ganyan, hindi covered ang negligence. In this case the negligence can be argued as not reading the manual before placement of the jack. Ignorance is not an excuse and the insrance company is not liable for it.

Think of it this way.

1. Wrong placement of jack, car falls, insurance is not liable. This is what you call negligence.

2. Correct placement of jack, car falls anyway, insurance is liable. This is what you call an accident.

**shadow** · August 7th, 2019 05:18 PM

Originally Posted by yebo

May nabasa nga ako sa insurance policy ko na ganyan, hindi covered ang negligence. In this case the negligence can be argued as not reading the manual before placement of the jack. Ignorance is not an excuse and the insrance company is not liable for it.

Pero how to define negligence? Pag nakabangga ako hinde ba considered negligence? I mena pag nabangga ko poste kunwari while parking?

Dapat define nila ano talaga negligence.

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**misseksaherada** · August 7th, 2019 06:00 PM

Originally Posted by yebo

Think of it this way.

1. Wrong placement of jack, car falls, insurance is not liable. This is what you call negligence.

2. Correct placement of jack, car falls anyway, insurance is liable. This is what you call an accident.

Thanks Sir Yebo for sharing.. Nalinawan ako sa difference nung statement.. Kapag sa Affidavit of Self Damage pala mas ok yung statement 2.

Originally Posted by shadow

Pero how to define negligence? I mena pag nabangga ko poste kunwari while parking?
Dapat define nila ano talaga negligence.

I somewhat agree on this.. Pwede pala nila sabihin na yung aksidenteng bangga ko sa plantbox ay dahil sa "negligence" ko.. Kaya ko na-share at nawirduhan sa approval ni BPIMS.. Now I feel lucky.. Hmmmm.. [emoji848]

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**shadow** · August 7th, 2019 06:25 PM

Originally Posted by yebo

May nabasa nga ako sa insurance policy ko na ganyan, hindi covered ang negligence. In this case the negligence can be argued as not reading the manual before placement of the jack. Ignorance is not an excuse and the insrance company is not liable for it.

Think of it this way.

1. Wrong placement of jack, car falls, insurance is not liable. This is what you call negligence.

2. Correct placement of jack, car falls anyway, insurance is liable. This is what you call an accident.

Pero yebo number 2 pwede din negligence sabihin nila. Hindd mo check mabuti jack kung working pa. Assuming bumigay jack kahit correct placement.

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