questions on claiming insurance

[hyundai_756]

Naghahabol ba ang People's general ng claim sa third party?

[chikinini]

mga sir,

Totoo bang kinukuha ng insurance ung mga damaged parts once you involved on a accident? Nagasgas kc ung rear bumper ng sasakyan ko tapos replacement ang advise ng casa gusto ko sana kunin sa casa ung rear bumber na pinalitan pero ang sabi eh insurance daw ang mgcclaim sa knila non.

First time ko kc magclaim kya no idea pa ako.

Salamat mg Sir..

[_Qwerty_]

sa experience ko, yes kinukuha nila..

mga sir,

Totoo bang kinukuha ng insurance ung mga damaged parts once you involved on a accident? Nagasgas kc ung rear bumper ng sasakyan ko tapos replacement ang advise ng casa gusto ko sana kunin sa casa ung rear bumber na pinalitan pero ang sabi eh insurance daw ang mgcclaim sa knila non.

First time ko kc magclaim kya no idea pa ako.

Salamat mg Sir..

[chikinini]

sa experience ko, yes kinukuha nila..

Mukhang ganon pala talaga, salamat sa feedback sir.

[maki mi]

Yeah, tingin ko pagbabawian nila ito ng loss, like yung tail lights ko, may ga buhok na crack na hindi mo mapapansin kung hindi mo titingnan ng mabuti, kinuha nila ito, baka ibebenta nila sa mga partner repair shops nila.

[dr. d]

i think, if the owner insists on getting the replaced part, he is entitled to it. maliban na lang kung nakasulat sa papel na hindi..

[larkin19ex]

i think, if the owner insists on getting the replaced part, he is entitled to it. maliban na lang kung nakasulat sa papel na hindi..

mga sir pag comprehensive insurance ba covered kahit ikaw nkabangga ng kotse mo
pg atras ko sa parking kase TIA

[vvti2.0]

Kahit third party pa ang nakabanga sayo, own damage pa rin yan.. So it is covered ahit ikaw nga ang nakabanga hehehe.... Gawa ka lang ng statement how the accident happened.

[larkin19ex]

Kahit third party pa ang nakabanga sayo, own damage pa rin yan.. So it is covered ahit ikaw nga ang nakabanga hehehe.... Gawa ka lang ng statement how the accident happened.

Thank You sir! sir ask ko lng pano po ba ang process? do i need police report or what?
sorry boss first time kase!

[vvti2.0]

That os own damage, ikaw namismo nagsabi na ikaw yung nakabanga pag-atras sa aprking, no need for a police report, call your insurance adjuster kung ano requirements.

[larkin19ex]

That os own damage, ikaw namismo nagsabi na ikaw yung nakabanga pag-atras sa aprking, no need for a police report, call your insurance adjuster kung ano requirements.

ok sir thabks sa info normally ilang percent ba participation fee jan? haist hassle tlga

[sirkosero]

mga sir,

Totoo bang kinukuha ng insurance ung mga damaged parts once you involved on a accident? Nagasgas kc ung rear bumper ng sasakyan ko tapos replacement ang advise ng casa gusto ko sana kunin sa casa ung rear bumber na pinalitan pero ang sabi eh insurance daw ang mgcclaim sa knila non.

First time ko kc magclaim kya no idea pa ako.

Salamat mg Sir..

yes kinukuha nila kasi binayaran na nila yung rights mo for the parts. insurance na owner ng parts na yun.

yung pwede pa nila iparepair, irerepair nila. tapos yun ang ibibigay nila sa ibang kotse na insured din nila na non-casa. ipapadala nila ito sa shop na gagawa nung ibang kotse.

yung di na pwede irepair ibebenta naman nila for scraps.

gusto lang din nila mabawi ang losses/cost nila.

Sent from my Thrill 430x using Tapatalk 2

[vvti2.0]

Yung pinalitan sa akin na parts, nung hiningi kos a adjuster, binigay sa akin...

Maliit lang naman... Fender, bumper and driver side headlight ng innova... Insurance is Charter Ping-An...

[nhiecah_nice29]

ok sir thabks sa info normally ilang percent ba participation fee jan? haist hassle tlga

Tingnan nyo po Sir yung policy ninyo. Naka-indicate po dun ung participation fee or Deductible.

[aloofkid]

Question, what if the police report tells a one sided story about a super minor accident, both drivers are pointing fingers.

The police report states that there was an investigation but the truth is there's no proper investigation.

The traffic enforcer 2 arrived at the scene after the incident. I moved my vehicle as instructed by the traffic enforcer 1 who is riding a official motorcycle to prevent further traffic. The officer was located at the back of the vehicle 1's car, I parked my car in front of the Vehicle 1 as I went out of my car wala na si enforcer 1.

The enforce 2 who arrive after the accident endorsed us to the traffic police by only giving his name and enforcer number. Hence a hearsay police report.

Is there any way to counter this? I have a picture of the Vehicle 1 which shows that Vehicle 1's tire is slightly turned right which is why it hit me. Also there is no dent as Vehicle 1 claims that I hit them twice. There are some scratches which is from light to deep scratch.

Lastly, does the vehicle 1 go after the me for the participation fee or the vehicle 1's insurance company na ang bahala singilin ako sa PF? Gusto ko lang kasi makasiguro na sa insurance mapupunta or tlgang sinasabi ni insurance na ako ang may kasalanan.

I ask to negotiate 50-50 for the PF para lang matapos na, the driver insisted that I pay full. Kaya we end up with the police report.

I am willing to pay for the PF as long as kasalanan ko, money is not the issue here. I am just fighting for a petty justice kasi I know where I stand and I am kinda willing to fight for it. =]

PS.

Family Lawyer insist to settle for the 3K. Lawyer 2 suggested to write a supplementary report pero wala daw assurance that the police will honor my request. Lawyer 3 told me to write an affidavit sa car insurance including my evidence. Lawyer 4 told me to stand by as he called a higher ups sa police to have it checked kasi tingin niya nabayaran yung police.

Hassle wise I am willing to fight for it kung may chance na kayang ipaglaban, if not I'll settle sa 3K.

Thanks guys =]

[vvti2.0]

Kung may compre insurance sasakyan mo, singilin mo na lang ng participation at abala. Magkaso ka? Kung may sarili ka na abugado, ilaban mo, kung wala, singilin mo na lang ng participation.

[wezz_zzew]

Settle it amicably if possible. Nangyari na sa akin before na binangga ako, although ako yung nasa likod at siya yung nasa harap. Nagcounterflow siya and then nung alanganin na, bigla nya ipinasok sa lane namin, ayun, laglag yung bumper ng auto ko. Since the other party claimed that it was my fault, i decided to file a case without a lawyer. I was just claiming from them 7k for the damage but they don't wanna pay and still insist that it was my fault. They hired a lawyer, attend the initial hearings, change lawyer, attend hearings and that happened for more than two years. The only advantage I have is that I know the court proceedings and formalities, thus, I was representing myself in court and filed my own affidavits. Imagine the hassle just because of 7k. After 2 years, the prosecutors office released their conclusion that they are the one at fault. At the time of mediation, they agreed to pay for the repair provided that they will choose the shop. Napagod na rin siguro sila kaka attend ng meeting while I'm enjoying what we are doing. Parang OJT ko na din kasi. He,he. Again, if mapapagusapan, pagusapan na lang, masasayang lang oras nyo at hindi naman milyones ang pinaguusapan.



I may be stupid, but I am not a fool.

[vvti2.0]

Anyway for that minimal amount, small claims court lang pupuntahan nya. Di kailangan ng abogado heheheh.

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[aloofkid]

Anyway for that minimal amount, small claims court lang pupuntahan nya. Di kailangan ng abogado heheheh.

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Wala po akong hinihinging pera, actually ako ang hinihingan ng PF kasi based daw sa police report ako daw po ang may kasalanan. Humihingi ng 3K yung vehicle 1 for the PF yesterday, ayaw ko lang mag bayad kasi alam ko na hindi ko kasalanan.

Willing ako na ilaban just to prove na hindi ako ang may kasalanan. I would settle for 50-50 participation or kung wala akong chance manalo dito I would pay for the PF. Pero mung meron fight kung fight.

Question: yung driver ba ang sisingil ng PF or yung insurance?

[vvti2.0]

May compre ba sasakyan mo? Kung meron, hayaan mo insurance mo singilin nila. Kung magsabi na magkakaso sila hayaan mo, matagal na proseso yan. Kung sinabi ng enforcer ikaw mali, ikaw nga mali. Yung investigator ang tatayong witness sa korte, at sila rin ang may credibility na magsabi sino at fault sa investigation nila, so kung sinabi nila na ikaw, ikaw nga. Ang una mo ikaso yung pulis na nag imbestiga kung may reklamo ka sa conclusion nila.

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