questions on claiming insurance

**motoro** · August 10th, 2005 03:50 PM

my car got hit and i was not at fault. i have comprehensive insurance and here are my questions:

1. do i need to pay the deductible? i know i don't need to coz i'm not the one at fault but i just want to be sure.

2. do i have the right to demand that i want a certain body shop fix my car or am i limited to the body shop that is accredited by the insurance?

3. if i can choose the body shop i want, does the insurance company have the right to refuse it should the body shop i want is more expensive than the one they accredited? or will the insurance company just allow me to have it fix at the shop i wanted, even if it's more expensive, and they will just be the one to negotiate with the shop?

4. what if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and i don't need to wait if the other party will pay up or not right? in short, it's their problem?

thanks for any info.

**johnart** · August 10th, 2005 05:04 PM

my car got hit and i was not at fault. i have comprehensive insurance and here are my questions:

1. do i need to pay the deductible? i know i don't need to coz i'm not the one at fault but i just want to be sure.
-yes if your claiming against your insurance policy
2. do i have the right to demand that i want a certain body shop fix my car or am i limited to the body shop that is accredited by the insurance?
- nope your limited to the accredited shop the insurance has to offer.
3. if i can choose the body shop i want, does the insurance company have the right to refuse it should the body shop i want is more expensive than the one they accredited? or will the insurance company just allow me to have it fix at the shop i wanted, even if it's more expensive, and they will just be the one to negotiate with the shop?
-they may allow you to have your car repaired at your preferred shop however you will no longer need to pay the deductible except you only get the cash conversion of the repair cost. In short they give you money and its up to you where to have it repaired. (the settlement is usually 70% of the repair value less the depreciation cost of your car.)
4. what if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and i don't need to wait if the other party will pay up or not right? in short, it's their problem?
-yes it will be the problem of the insurance company, but you still have to pay the deductible and have complete papers (police report, license of you and the other car, or and cr of both vehicles.
thanks for any info.

hope this helps

**yebo** · August 10th, 2005 05:16 PM

1 - why not compel the party that was at fault to pay the deductible? in fact since it was not you who was at fault the damage should be charged to the other party's insurance and not from yours.

2 & 3 - keep in mind that the insurance company can not refuse if you bring it to the casa/dealer. the dealer will be more than happy to help you in this case, it means more business to them. another plus is that the casa/dealer may even insist to just replace the body panel instead of repairing.

4 - insist that the other party pay the deductible. and yes it should be the insurance who should run after the other party who is at fault.

**naruto** · August 11th, 2005 11:24 AM

clarification lang po.... ano po b ibig sabihin ng deductible at mga magkano po b ito? salamat po...

**1D4LV** · August 11th, 2005 12:23 PM

deductibles are certain percentage na kailangang i-shoulder ng liable sa accident or nung owner nung policy/car. this is to ensure that the risks are not entirely shouldered by the insurance company, kundi baka maluge na sila.

the amount of deductibles depend on the insurance company. normally, they range from 2000 to 3500 petot.

**mazdamazda** · August 11th, 2005 12:27 PM

deductible is either 1% of the vehicle's insured value or P3500/P2000, whichever is higher.

**boybi** · August 11th, 2005 12:31 PM

some insurance will require you to get job estimates from 2 or 3 'talyers' if you're not going to their accredited repair shops. the insurance will pay you the amount whichever is the lowest in the 3 estimates, less the participation.

the standard rate for the participation is 0.5% of the insured amount for passenger vehicles and 1.0% of the insured amount for commercial vehicles. but some insurance companies give a fixed amount of 2,000 to 3,000 for the participation fee.

**mazdamazda** · August 11th, 2005 12:34 PM

Originally Posted by boybi

some insurance will require you to get job estimates from 2 or 3 'talyers' if you're not going to their accredited repair shops. the insurance will pay you the amount whichever is the lowest in the 3 estimates, less the participation.

yup. make sure that your insurance company has accredited your suking talyer or casa.

**motoro** · August 11th, 2005 03:37 PM

what if yung gusto kong shop ay di accredited nila but since hindi ako at-fault sa accident, can they let me go to the non-accredited shop then sila nalang bahala maghabol dun sa other party, since yung other party naman magbabayad? pwede ba yan?

**mazdamazda** · August 12th, 2005 09:21 AM

Originally Posted by motoro

what if yung gusto kong shop ay di accredited nila but since hindi ako at-fault sa accident, can they let me go to the non-accredited shop then sila nalang bahala maghabol dun sa other party, since yung other party naman magbabayad? pwede ba yan?

pwede naman ipagawa sa hindi accredited. nagawa ko na yan.

kailangan lang mag issue ng letter of authority (yun ata ang tawag dun) ng insurance company mo dun sa shop.

kapag repair / collission specialist yung shop (na authorized ng ibang insurance company), medyo madali lang gawin yan. pero kung bagong shop lang na wala pang history - baka mahirapan.