questions on claiming insurance

[Retz]

Hi - please help.

Had an accident today at 12:30AM, got hit by a public utility jeepney. My bumper at the back was severely damaged; as in yupi and maraming gasgas. And nagkagasgas din yung back door ko (my car is a Suzuki Swift).



We filed a police report na rin naman right after, and it was stated there that the jeepney driver committed the error. Problem is, wala silang insurance whatsoever (as always), so I'm thinking of just claiming under my comprehensive insurance and just have them pay the Participation Fee?

Should I file this under Own Damage Claim since Comprehensive Insurance ko yung gagamitin? If so, is the police report going to be enough, or should I get a different affidavit for this? But if this won't be possible for an Own Damage Claim, and have a Third Party Property Damage Claim instead, then how would I get a Certificate of "No Own Damage Claim" from the PUJ driver?

Wala pang one year yung car ko (got it last November 2012). So frustrating.

And right now ang hirap icontact ng insurance ko (since this is a free comprehensive insurance with metrobank - Charter Ping An Insurance). No one's answering my calls in their Motor Car Insurance department, so I'm currently stuck as to how to get this processed. When I called the bank manager naman from where I got my car loan, she said she could have my insurance processed through them, and will inform me for the exact procedure on how to claim - been 2 hours since I called and wala pa ring feedback. Am I just praning or mabagal lang talaga tong ganito?

Please advise. Thanks in advance.

singilin mo na lang ng pambayad sa participation fee ung jeepney driver. police report shall suffice. include pictures and drivers license.

[Manilablock]

Hi - please help.

Had an accident today at 12:30AM, got hit by a public utility jeepney. My bumper at the back was severely damaged; as in yupi and maraming gasgas. And nagkagasgas din yung back door ko (my car is a Suzuki Swift).



We filed a police report na rin naman right after, and it was stated there that the jeepney driver committed the error. Problem is, wala silang insurance whatsoever (as always), so I'm thinking of just claiming under my comprehensive insurance and just have them pay the Participation Fee?

Should I file this under Own Damage Claim since Comprehensive Insurance ko yung gagamitin? If so, is the police report going to be enough, or should I get a different affidavit for this? But if this won't be possible for an Own Damage Claim, and have a Third Party Property Damage Claim instead, then how would I get a Certificate of "No Own Damage Claim" from the PUJ driver?

Wala pang one year yung car ko (got it last November 2012). So frustrating.

And right now ang hirap icontact ng insurance ko (since this is a free comprehensive insurance with metrobank - Charter Ping An Insurance). No one's answering my calls in their Motor Car Insurance department, so I'm currently stuck as to how to get this processed. When I called the bank manager naman from where I got my car loan, she said she could have my insurance processed through them, and will inform me for the exact procedure on how to claim - been 2 hours since I called and wala pa ring feedback. Am I just praning or mabagal lang talaga tong ganito?

Please advise. Thanks in advance.

1. Pictures (save mo agad sa HD mo and prepare print-out, kung pwede mo na lagyan ng captions better), dapat meron ka din copy ng driver license, OR and CR nung jeep.

2. Ung police report, asikasuhin mo agad na makakuha ka ng copy.

3. Kung walang sumasagot sa insurer mo padalhan mo ng e-mail, then have a printed copy na nag send ka ng advise aout the incedent.

4. Pili ka ng CASA kung saan mo preferred na ipapagawa ung damage, ask for estimated cost of repairs.

5. kung natapos mo na ung mga documentary requirement at wala pa din sumasagot sa insurer mo, as mo ung CASA kung meron agent sa kanila ung insurer mo, normally meron area dyan sa casa na puro insurance agent ang nakaupo.

6. All documents na isubmit mo gawan mo ng photo copy, at ipa write full name, sign receive include contact number kung ibibigay mo na sa insurance agent.

7. Kausapin mo ung jeepney driver/operator na sila ang sumagot ng participation fee, pero wag ka pipirma ng settlement, better pa nga na kunin mo lang ung pera at wala kang pipirmahan na meron kang natangap.

8. Followup ka na lang sa insurer mo para asikasuhin nila agad.

[rvdelara]

Ma'am dapat wala na kayo babayaran since hindi naman kayo ang may kasalanan. I-waive dapat ng insurance nyo sa jeepney driver ung participation and deductible. If wala naman pang bayad ung jeepney driver insurance company na ang mag shoulder nun. Ang Mapfre kc meron waiver of deductible and depreciation.

[booandyah]

Quick update: my insurance called me up already and gave me the necessary documents needed for the insurance claim.

Got an Estimated Cost of Repair done under my dealer as well - which had a total of 30800. Will provide feedback here regarding this so people would know how the processing goes with Charter Ping An Insurance (formerly PhilCharter).

[booandyah]

Got my LOA 2 days after submitting the necessary requirements, the problem is, casa doesn't have stock of a rear bumper and would need to have it shipped from Japan (will take 45 days) pa. Hassle.

[Retz]

^

rear bumper lang i-shift pa from japan?

[interruptedz]

how about pag ikaw may kasalanan?pwede ba icover ng insurance yung kotse na nabangga?lalo na pag walang insurance?

[jpt822]

So I had an accident over the weekend, and it was my fault.

We both have new cars, 2 weeks old, and 11 months old so both have comprehensive insurance.

Since we don't have a police report, we're planning on doing separate claims on our insurance - hit and run.

I'll use mine on my vehicle, he'll use his on his.

I'll just pay for both our participation fee which is about p10k each.

However, what if i get a police report and consequently use my insurance for both vehicles? Is that just one participation fee? or is it still two p10ks for two vehicles?

Nobody's picking up on the insurance' trunkline and I really couldn't ask them this question anyway..

Thanks!

[Retz]

how about pag ikaw may kasalanan?pwede ba icover ng insurance yung kotse na nabangga?lalo na pag walang insurance?

own damage sir. pero kung wala kang comprehensive, shoulder mo na gastos.

[derf8666]

So I had an accident over the weekend, and it was my fault.

We both have new cars, 2 weeks old, and 11 months old so both have comprehensive insurance.

Since we don't have a police report, we're planning on doing separate claims on our insurance - hit and run.

I'll use mine on my vehicle, he'll use his on his.

I'll just pay for both our participation fee which is about p10k each.

However, what if i get a police report and consequently use my insurance for both vehicles? Is that just one participation fee? or is it still two p10ks for two vehicles?

Nobody's picking up on the insurance' trunkline and I really couldn't ask them this question anyway..

Thanks!

Get that police report. if it was your fault, file it with your insurance company. You will pay only for the participation of your vehicle. Yes, just 1 participation.

[xwangbu]

deleted post...got the answer.

[SELEGNA_35]

I had an accident last Dec 24, nabangga ako sa likod. may comprehensive insurance naman ang naka bangga. ang problem ko is yung kotse ko pala that i bought last 2010 ay expired na pala ang registration this october 2013. sasagutin pa din ba ng insurance yung damage sa akin? ty po.

[Retz]

^

Hmm.... Tingin ko sasagutin naman ng insurance nung nakabangga sayo baka irequired na pa register mo muna.


Sent from my iPad using Tsikot Car Forums

[onatme]

guys..wanted to seek your suggestions. I bought a new car last July (payable 60 months) and unfortunately got involved in an accident last Friday. I'm claiming a total loss.

[shadow]

how about pag ikaw may kasalanan?pwede ba icover ng insurance yung kotse na nabangga?lalo na pag walang insurance?

That's exactly what comprehensive insurance is for


Sent from my iPad using Tapatalk

#retzing

[eminem6480]

Guys, last weekend nabangga car ko sa likuran. Napagkasunduan namin na bayaran na lang ako in cash para less hassle at may importanteng lakad din with family that day. Ngayon, balak ko ipasok sa casa using my comprehensive insurance.

- Ano ang mas madaling gamitin na reason: own damage or hit and run?
- Anong mga documents ang usually kailangan isubmit kapag magfile for own damage/hit and run?
- Let's say back part ng car yung affected, pwede na ba isama sa repair yung mga scratches let's say sa side?
- May effect ba sa next insurance renewal ko yung pag claim ko? - Magmamahal or still based on car's covered amount?

Salamat!

[admiralpye]

Hi! I went through a similar thing mga two weeks ago and pinagdaanan ko yung insurance and appraisal sa casa pero in the end, pinili ko pa rin magpa outside dent repair. Ito yung steps in my experience:
*Better to file hit-and-run because less questions asked and faster process sa docs;

*For hit and run case, go to police station to file a police report. Kailangan nasa jurisdiction ng police station (e.g. Santolan area should be filed sa Santolan police station, etc) It's an easy process and they will take a photo of the damage. It will cost P300 and you will go back for the completed and signed report the next day;

*Go to your casa and get a quote for the repair. If your insurance is in-house, give them the police report. If not, call your insurance provider and submit report to them;

*Casa will give a quote and the insurance will approve it. Repairs will be done and you will pay only the participation fee required;

Take note:
*Your premium for that car will most probably increase for the next time you renew your insurance;

*The casa will not give fast service for these repairs. If you can afford not to have a car or if you have an extra car, then it should be ok for you to leave your car there a week or more. If that's your only car, well it's gonna be a headache because the casa will take its time;

That's why I chose to do the repair via Car Magic because it was a small dent and I needed the car for my daily business. The comparison of cost was worth it in the end. And more importantly, my premium won't go up when I renew my car insurance. But only do outside repair under these conditions:

*damage is minimal or mainly cosmetic
*price difference isn't huge relative to the service and time
*you can't afford to leave the car in the casa for a week or more

Otherwise, it may be better to use your insurance instead. HTH!




Posted via Tsikot Mobile App

[derf8666]

Guys, last weekend nabangga car ko sa likuran. Napagkasunduan namin na bayaran na lang ako in cash para less hassle at may importanteng lakad din with family that day. Ngayon, balak ko ipasok sa casa using my comprehensive insurance.

- Ano ang mas madaling gamitin na reason: own damage or hit and run?
- Anong mga documents ang usually kailangan isubmit kapag magfile for own damage/hit and run?
- Let's say back part ng car yung affected, pwede na ba isama sa repair yung mga scratches let's say sa side?
- May effect ba sa next insurance renewal ko yung pag claim ko? - Magmamahal or still based on car's covered amount?

Salamat!

-related naman yun. own damage siya that was caused by hit and run. Yan na lang ang ilagay mo sa affidavit mo. "I parked my car in ..... and when I came back I noticed that there were damages already on the rear side of the car and some scratches. I tried to ask around but nobody noticed anything. etc etc..."
-docs needed CR/OR of the vehicle, drivers license/OR of the driver or user of the car, photos of damages with a photo showing the plate number, estimate. some insurers require stencils especially for big claims.
-pwede iparepair lahat ng damages. however, you might have to shoulder several deductibles, depending on their evaluation. Try mo na lang iconvince.
-unfortunately in the Philippines, walang effect ang past accident record sa insurance renewal mo. although some will decline to renew your insurance or indeed give you a higher rate, you can opt to have it insured with another company.

[Manilablock]

Take note:
*Your premium for that car will most probably increase for the next time you renew your insurance;

Posted via Tsikot Mobile App

I already have 2 insurance claims, my premium is less than the previous year due to FMV of my car.

Also it is a good practice to ask other insurance provider to quote and compare the rates and coverage.


Search lan sa inet kung meron bad comments sa insurance provider na napili mo bago ka mag-renew.

[admiralpye]

I already have 2 insurance claims, my premium is less than the previous year due to FMV of my car.

Also it is a good practice to ask other insurance provider to quote and compare the rates and coverage.


Search lan sa inet kung meron bad comments sa insurance provider na napili mo bago ka mag-renew.

Good for you that your premiums went down. However, that's not what the in-house insurance of the dealer advised me.

Usual principle of insurance companies na kapag na-involve na sa accident (depends on what kind), itataas nila ang risk quotient mo when you renew with them. Tama si Manilablock, you can go to another insurance company to get a lower cost policy nga in this case.

The benefit of getting an in-house vs. an outside car insurance is that your contribution for the in-house insurance is not computed per panel/per percentage of vehicle price. So you will only contribute a set fee (in my case, just P3,000) in most cases kahit ilang panels pa ang nasira. That is way lower than your contribution if you used an outside car insurance. Granted, accidents don't happen often. But ako yung tipong tao na willing magbayad ng medyo mas mahal ng konti basta less hassle at less cash out kapag nangyari ang hindi inaasahan.

Pero in my particular case, sobrang liit ng dent na nangyari sa akin na it's not worth increasing my premium over. So pinagawa ko na at my own expense dahil konti lang din ang difference sa magiging contribution ko if I used the policy. :-)