questions on claiming insurance

[vvti2.0]

Babae ba driver nung sasakyan na nasagi mo? Maganda o ***y? Syotain mo na lang hehehe....

[Walter]

Mapapahiya ka lang sa claim mo, alam mo kasi sir, matagal ng trabaho ng mga traffic investigator ang mga accidents sa kalsada, and gaya nyang sayo, baka isa yan sa mga instances na tingnan nya lang ay alam nya na sino at fault.

Seriously, maybe you've watched too much CSI shows. Most traffic police here aren't that efficient, not enough proper training nor equipment to do their job efficiently.

Witnessed an incident before wherein the investigator immediately concluded that a vehicle did not brake because there were no skid marks. Someone told the person something like "Hello? ABS = no skid marks."

[vvti2.0]

Seriously, maybe you've watched too much CSI shows. Most traffic police here aren't that efficient, not enough proper training nor equipment to do their job efficiently.

Witnessed an incident before wherein the investigator immediately concluded that a vehicle did not brake because there were no skid marks. Someone told the person something like "Hello? ABS = no skid marks."

Alam natin na talaga naman hindi ganun kagaling mga imbestigador, pero pagdating sa korte, kaninong "expert" statement ba ang papakingan? Di ba yung report ng imbestigador? Unless otherwise you can prove sa court na wala credibilidad yung imbestigador (which is isa sa mga tactics ng mga lawyers).

[Walter]

Like what I've said it's not about the money nor pissing the vehicle 1's owner. Gusto ko lang na ma prove na mali tlga si Vehicle 1.

Pissing the vehicle 1 is not worth my time but standing for what I believe is right yung ang intentions ko.

This IS what you'd call a pissing contest. It's not literally pissing on the other party. Proving your point because of Pride is a pissing contest.

[aloofkid]

This IS what you'd call a pissing contest. It's not literally pissing on the other party. Proving your point because of Pride is a pissing contest.

I admit may kasama pride or ego. So yes considered as pissing contest itong ginagawa ko. Point taken.

Pero sir ang hinahabol ko lang kasi sir ay ito.

Si police investigator ni hindi lumabas sa office to check the damages, sinusulat palang nung vehicle 1 yung narrative statement niya (wala pa rin ako nasusulat) sa incident report nag cocompose na si police investigator ng Police Description of Accident eh.

Lumabas lang si police investigator to take a picture dun sa damage, yun na yung time after niya ma print yung police report at nag pa photocopy na kami kasama nung police report.

After namin bumalik, he printed three more copies ng police report at yun ang hawak ko ngyon. Kinuha niya yung photocopy ko ng police report na una niyang prinint along with the incident report.

Pag uwi ko ng bahay wala pala ako copy nung incident report so I went back to have it photocopied.

Pwede naman siguro i-lagay sa police description na, Vehicle 1 claims that The right side middle portion of Vehicle 1 was accidentally hit/sideswiped by the left side front portion of Vehicle 2. However vehicle 2 claims that the vehicle 1 turned slightly to the right that his left side front portion was being hit/sidswiped by Vehicle 1. Both party were not admitting that they were at fault.

Dapat sir kung walang witness or walang sketch well explain ang side ng both party since dito i-base kung sino ang at fault. Correct me if I am wrong.

Thanks!

[iceblueyes]

Cant see the pictures, did you remove them?
sa totoo lang imho, kung yung mga pictures mo pa lang hinde na sway yung investigator na hinde ikaw at fault, wala na yan.

Sumuko ka na at bayaran mo na lang.

[Walter]

For some people it is a pissing contest. For those who haven't gone through the process of going to court ... well, let them learn the financial and emotional cost of doing so.

[Walter]

Even if the other party claims own damage, the insurance will still go after you to recover the cost. If both parties signed a waiver or quit claim, the insurance can still go after you since the insurance was not part of the waiver. So you might end up paying the 3T and insurance will ask you to pay the repair cost as well.

Why would your lawyer refer another lawyer? It's like a mechanic referring you to another mechanic to do a simple change oil service.

[vvti2.0]

Even if the other party claims own damage, the insurance will still go after you to recover the cost. If both parties signed a waiver or quit claim, the insurance can still go after you since the insurance was not part of the waiver. So you might end up paying the 3T and insurance will ask you to pay the repair cost as well.

Why would your lawyer refer another lawyer? It's like a mechanic referring you to another mechanic to do a simple change oil service.

The insurance company will not go after the kid if the lady will not use the incident in the claim. Kasi nagbayad ka na nga, bakit yun pang blotter na yun ang gagamitin? She can create stories na lang like nagpark sya then paglabas nya ganun na.

Pay the 3k and move on.

[Walter]

The insurance company will not go after the kid if the lady will not use the incident in the claim. Kasi nagbayad ka na nga, bakit yun pang blotter na yun ang gagamitin? She can create stories na lang like nagpark sya then paglabas nya ganun na.

Pay the 3k and move on.

The insurance company WILL ask for the police report and they WILL use it to claim from the other party involved whether you pay the 3T or not. Let's wait for the resident lawyers here to comment on this.

[Manilablock]

willing gumastos sa attorney pero walang pambili ng Dashboard Camera (DVCam). isama na ang incident na ito sa charge to experience and move on, wag na din umasa sa police report na lalabas kung sino bang mali, dahil pareho kayong hindi nagbigayan.

[vvti2.0]

Consult a lawyer. That is wreckles imprudence resulting to damage of property.

Ayaw nya lang talaga magbayad ng 3k, pang mods na rin yun. And I think aloofkid is just in his teens pa lang in his line of thinking.

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[aloofkid]

Consult a lawyer. That is wreckles imprudence resulting to damage of property.

Ayaw nya lang talaga magbayad ng 3k, pang mods na rin yun. And I think aloofkid is just in his teens pa lang in his line of thinking.

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Ayaw ko lang talaga mag bayad kasi I THOUGHT yung veh1 yung may mali. Saka this is my first accident kasi eh, well second kanina nagasgasan ko yung auto nang tatay ko when I visited them hahah.

Anyway, we went to the police station to settle, but before we settle, I asked the investigating officer kung may laban yung pictures ko since hindi niya nakita yung isang picture. Ang sabi sakin, pwede daw i-laban sa court yun, since there's no witness, BUT, kaya daw sinulat niya na ako ang may kasalanan kasi nasa "right of way" yung veh1.

I offered to pay the damages plus the PF, since now I know na mali ko talaga, the girl is kind enough to ask for the PF fee only. I insisted, since the investigating officer said na ako ang at fault. She insisted na bigay ko nalang daw yung PF since yun lang naman daw hinihingi niya from the start.

So ayun, we are settled na.

[larry0609]

Yes, police report plus pictures lang then you can take the car to casa. But you also have to notify your insurance provider.

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[ninjababez]

^thanks sa quick reply bro. last na if you dont mind, pano pag carnapped yun car tapos 2 years pa remaining sa mo kunyari? papalitan ba nila? if not pagbigay nila ng check, babayad ka pa ba nun 2 years remaining? possible scenarios sana.. ty in advance

-ninjababez-

[larry0609]

For your 1st question, your insurance provider will either replace the car or pay the amount which is indicated in your insurance policy. If the insurance elected to pay the amount insured, it will be paid to the bank where you got your loan. The bank will then deduct your loan remaining balance and give you the rest. That is what I think will happen in case the insurer pay you in cash. In which, talo ka.

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[ninjababez]

For your 1st question, your insurance provider will either replace the car or pay the amount which is indicated in your insurance policy. If the insurance elected to pay the amount insured, it will be paid to the bank where you got your loan. The bank will then deduct your loan remaining balance and give you the rest. That is what I think will happen in case the insurer pay you in cash. In which, talo ka.

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thanks again bro. badtrip pala kung sakali


-ninjababez-

[Manilablock]

thanks again bro. badtrip pala kung sakali


-ninjababez-

mas lalo ka ma badtrip kasi ang babayaran ng insurance ay fair market value, which is not actually fair.

lalabas na hindi equal ung amount na ibabayad ng insurance sa balance mo sa loan, lalo na kung low DP mo nakuha un car, so in the end me utang ka pa sa bank.

[ninjababez]

mas lalo ka ma badtrip kasi ang babayaran ng insurance ay fair market value, which is not actually fair.

lalabas na hindi equal ung amount na ibabayad ng insurance sa balance mo sa loan, lalo na kung low DP mo nakuha un car, so in the end me utang ka pa sa bank.

pag ganyan ayaw ko nalang ;D
pwede kaya opt not to pay the remaining balance, dahil wala na yung sasakyan?
sobrang lugi naman kasi

[eminem6480]

Guys,

Nasa garahe lang ng bahay si Advie nang biglang nakarinig kami ng malakas na bangga....Yung jeep ng katapat bahay bumangga sa gate namin at inabot sa likod si Advie. Nagkasundo naman kami na babayaran nila ang participation fee sa pagclaim ko sa casa.

First time ko pong magclaim ng insurance, may mga tanong lang po ako na baka alam nyo ang sagot:
- Anong klaseng claim ang dapat dito? Ang insurance po namin ay comprehensive insurance.
- Anong mga documents ang hinahanap sa ganitong klase ng claim? Hindi na siguro kailangan ng police report dahil hindi naman accident with another car.
- Pwede ko bang irequest sa casa na pailtan lahat ng affected parts ng brand new?

Ito po yung damage. Isasabay ko na din yung ibang damage sa gilid. PhP2K per incident ang policy namin.





Maraming salamat!