questions on claiming insurance

[aloofkid]

Walang insurance kotse ko since ongoing parin ang restoration. So si driver ang sisingil sakin ng PF? In case na kasuhan nila ako it will go sa small court claims since 3k lang pinag uusapan.

[vvti2.0]

Yup small claims court lang yan.

[shadow]

Why the ****!? For 3k or kahit 30k pa yan pa paabutin mo pa ng court?

I'm sure you have more important things to do with your time or life...

It's not a pissing contest. Hinde mo ikakayaman or ikakahirap yun mawalan ng maliit na amount.




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[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.

[aloofkid]

Why the ****!? For 3k or kahit 30k pa yan pa paabutin mo pa ng court?

I'm sure you have more important things to do with your time or life...

It's not a pissing contest. Hinde mo ikakayaman or ikakahirap yun mawalan ng maliit na amount.




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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.

Again, there's no investigation sa nangyari, no witness no sketch nug accident, everything is hearsay. Pero why does the police report said "Investigation shows" and the summary stated that I hit the car by accident but i claimed that I was hit by the car. Pictures shows a different story. Nalagyan ba si maning police or what?

If the vehicle 1 admits she's at fault pero gusto niya ako ang magbayad ng PF since mas hassle sa part niya since ipapasok sa casa yung auto niya then ok na sa akin yun.

[vvti2.0]

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.

Again, there's no investigation sa nangyari, no witness no sketch nug accident, everything is hearsay. Pero why does the police report said "Investigation shows" and the summary stated that I hit the car by accident but i claimed that I was hit by the car. Pictures shows a different story. Nalagyan ba si maning police or what?

If the vehicle 1 admits she's at fault pero gusto niya ako ang magbayad ng PF since mas hassle sa part niya since ipapasok sa casa yung auto niya then ok na sa akin yun.

Mahirap ang proof sa claim mo na may lagayan na nangyari, yung investigator nyan ang kaaway mo sa korte. At hindi sa small claims court ang labanan nyo na nyan..

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.

Yung sa picture, yun ang interpretation mo, why not post it here para at least makita namin ng claim mo?

Then kami mismo ang pwede magsabi kung tanga nga talaga yung nag imbestiga sayo.

[aloofkid]

Mahirap ang proof sa claim mo na may lagayan na nangyari, yung investigator nyan ang kaaway mo sa korte. At hindi sa small claims court ang labanan nyo na nyan..

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.

Yung sa picture, yun ang interpretation mo, why not post it here para at least makita namin ng claim mo?

Then kami mismo ang pwede magsabi kung tanga nga talaga yung nag imbestiga sayo.

I am not after the police, I am just looking at every possible angel na pwede mangyari. Alam ko mahirap i-prove na may nangyaring ganun kaya hindi ko after yun. Ang gusto ko lang just ang summary nang police report, both side well explained.

Si traffic investigator who wrote the police report was not in the area of the incident nasa loob siya ng station. Si traffic enforcer arrived at the area after I moved my car since I was instructed by other enforcer who is riding a motorcycle to move my car since sobrang traffic na and we are causing traffic na rin. I though we have a witness tapos enforcer pa, pero as soon as I step out nawala na siya.

The enforcer who assisted us told me na yung vehicle 1 ang may mali kaya confident ako yun ang outcome. Though I am not sure kung yun din ang sabi niya kay vehicle 1, basta ang alam ko nag endorse lang siya na nag ka sabitan then he left his name and enforcer number then umalis.

According kasi sa police report:
"Investigation showed that both vehicles were traveling in same direction along Mysilo Circle with Veh1 ahead and at the left side of Veh2. When upon reaching at the place of accident the right side middle portion of Veh1 was accidentally hit/sideswiped by the left side front portion of Veh2. As a result thereof Veh1 incurred undetermined amount of damages to the point of contact with no reported injury. However Veh2 driver claimed that his left side front portion was being hit/sideswiped by Veh1. Note: Both drivers where not admitted that they where at fault. Hence, this report."

Ang concern ko kasi dito sa report are:

1. Traffic, as in super traffic, lahat nag gigit-gitan, a taxi was in front of the Veh1. Nag gitgitan kami pero I allowed it to pass kasi mas malakas loob niya. Right after may space sinubukan ko lumusot, then dumating itong si Veh1, nag gitgitan kami pero pinauna ko na since masyado na siyang malapit sakin. Nauna na siya lumagpas na yung side mirror, then may nag bukas ng bintana, chineck yung gilid nila. Right there alam ko na sumabit na ako.

2. Ang claim ni Veh1 nauna siya hindi niya alam kung saan ako nang galing (traffic pero hindi niya daw alam kung saan ako nangaling) then suddenly may dalawang tunog banga daw, meaning nag forward ako twice. Kaya I brought up the picture to the police kung ako bumanga dapat may dent manlang. Natahimik si Veh1 ngyon pero she's claiming that nauna parin siya.

3. Now pinasok ko ngyon yung issue na kaya siya sumabit sakin kasi naka kabig slightly pa right yung gulong niya pero nasa circle kami which is dapat naka left siya or straight. Pero wala yun sa report which is for me vital ito sa report.

Correct me if I am wrong. Thank you for your time.

I don't know if you'll notice the front tire:
http://i217.photobucket.com/albums/c...r/IMG_1154.jpg

Scratches:

http://i217.photobucket.com/albums/c...r/IMG_1157.jpg

http://i217.photobucket.com/albums/c...r/IMG_1158.jpg

http://i217.photobucket.com/albums/c...r/IMG_1160.jpg

[vvti2.0]

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

[vvti2.0]

And bumper mo ba tumama? Hindi pwede basehan front tire, kasi anytime pwede mo yan galawin unknowingly sa pangyayari... Yung skidmarks tinitingnan dyan, most of the time, and nasa sayo rin ang last clear chance...

Ikaw paps may kasalanan sa tingin ko, nalibang ka lang sa gitgitan, just pay na lang the 3k, mura na yan para sa participation fee.

[aloofkid]

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

Haha sabi nga nung pinsan ko sir na i-date ko daw "cocol" para lumambot daw puso. Yung pinsan ko kasi sir takaw accidente, sabi niya, "Paps alam mo kung lalake yan, tapos na usapan niyo."

[aloofkid]

And bumper mo ba tumama? Hindi pwede basehan front tire, kasi anytime pwede mo yan galawin unknowingly sa pangyayari... Yung skidmarks tinitingnan dyan, most of the time, and nasa sayo rin ang last clear chance...

Ikaw paps may kasalanan sa tingin ko, nalibang ka lang sa gitgitan, just pay na lang the 3k, mura na yan para sa participation fee.

Yep bumper ko tumama yung pinaka corner nung front left nang bumper ko, smudge lang sa paint ko. Unfortunately walang skidmarks since vehicle 1 were moving really slow since traffic and I was at full stop nung sumabit siya sakin.

Sakin nga yung last clear chance that's why I stopped, kasi kung hindi ako nakahinto bumper palang niya tumama na ako.

Hindi ba pwede i-based sa scratch marks? From light (with my paint on it) to deep scratch?

Thanks vvti2.0

[vvti2.0]

Sabihan mo i-dinner nyo na lang yung 3k. Tapos usapan.

Totoo yan, kung lalaki yan, baka sa hati sa compre, ok na kayo, kasi kung humaba pa yan, baka pati abala isingil sayo.

[leodawesome]

Mukang ikaw ang hahabulin ng insurance nila kapag singilan na. Anyway matagal pa yun dadating. Saka walang nakukulong dyan, no need to bring it into a legal battle. Usually sa mga ganyang cases is magsettle na lang kayo, wag na gawan ng police report. Magkano mo tinubos yung license mo? Magkano binayad mo sa picture ng pulis? I'm sure malapit na din sa 3k na participation nya. Kung willing ka pala magbayad ng half the PF sana sinampal mo na sa muka nya yung 1500 tapos umalis na.

[aloofkid]

Mukang ikaw ang hahabulin ng insurance nila kapag singilan na. Anyway matagal pa yun dadating. Saka walang nakukulong dyan, no need to bring it into a legal battle. Usually sa mga ganyang cases is magsettle na lang kayo, wag na gawan ng police report. Magkano mo tinubos yung license mo? Magkano binayad mo sa picture ng pulis? I'm sure malapit na din sa 3k na participation nya. Kung willing ka pala magbayad ng half the PF sana sinampal mo na sa muka nya yung 1500 tapos umalis na.

Sabi ko nga sir, aminin lang niya na siya nagkamali rin siya, sobrang gaan na sa loob ko na mag bayad nung PF niya eh. Wala akong binayaran para ma tubos yung license ko sir, nag bayad kami nung Php. 150 each para sa picture + siguro mga close to Php 50 para sa photocopy hehehe.

Willing ako mag bayad ng half, I told the driver, "I know how you feel kasi bagong kotse mo and may gasgas agad. I would feel that too if I were in your shoes, yung sakin, ok lang na mabanga or magasgasan yan since ongoing ang restoration niyan. Now, magkano po ba hinihingi niyo? (Participation fee daw na 3k). Ok lang po ba sa inyo, na mag hati tayo since pareho naman tayo nag tuturoan and walang mapupunta itong usapan natin?" Sagot niya, "No, you pay full"

I even asked her dad kung magkano sa tingin niya kung papagawa sa labas magkano aabutin para hati kami at maka mura, sabi niya wag ko daw sama tatay niya sa usapan at gusto niya sa insurance at ako mag bayad ng PF. Sa loob-loob ko bakit mo pa tinawag tatay mo dito sa station kung ayaw mo siya makialam?

Kaya ayun, pinagawa ko na yung police report kasi ang advice sakin nung lawyer ko na insurance na mag iinvestigate kung sino tlga may mali. Pero sabi kasi sakin nung vehicle 1 na sabi daw sa insurance ako daw mali based dun sa police report kaya sinisingil niya ako ng 3K. That's why I am trying to do something sa police report.

Update: Nag bigay rin pala ako ng Php 100.00 bago ako umuwi (not a suhol) kay manong police pang merienda kasi ok naman si manong police. Hehe

[vvti2.0]

Sabi ko nga sir, aminin lang niya na siya nagkamali rin siya, sobrang gaan na sa loob ko na mag bayad nung PF niya eh. Wala akong binayaran para ma tubos yung license ko sir, nag bayad kami nung Php. 150 each para sa picture + siguro mga close to Php 50 para sa photocopy hehehe.

Willing ako mag bayad ng half, I told the driver, "I know how you feel kasi bagong kotse mo and may gasgas agad. I would feel that too if I were in your shoes, yung sakin, ok lang na mabanga or magasgasan yan since ongoing ang restoration niyan. Now, magkano po ba hinihingi niyo? (Participation fee daw na 3k). Ok lang po ba sa inyo, na mag hati tayo since pareho naman tayo nag tuturoan and walang mapupunta itong usapan natin?" Sagot niya, "No, you pay full"

I even asked her dad kung magkano sa tingin niya kung papagawa sa labas magkano aabutin para hati kami at maka mura, sabi niya wag ko daw sama tatay niya sa usapan at gusto niya sa insurance at ako mag bayad ng PF. Sa loob-loob ko bakit mo pa tinawag tatay mo dito sa station kung ayaw mo siya makialam?

Kaya ayun, pinagawa ko na yung police report kasi ang advice sakin nung lawyer ko na insurance na mag iinvestigate kung sino tlga may mali. Pero sabi kasi sakin nung vehicle 1 na sabi daw sa insurance ako daw mali based dun sa police report kaya sinisingil niya ako ng 3K. That's why I am trying to do something sa police report.

Update: Nag bigay rin pala ako ng Php 100.00 bago ako umuwi (not a suhol) kay manong police pang merienda kasi ok naman si manong police. Hehe

Yung babae ba ang driver? Eh kung hindi naman sya driver, bakti sya ang kinausap mo... Mukhang sosyal, syotain mo na lang.

Kidding aside paps, wag na kayo mag police report, kasi kung i-claim nya yan sa insurance at yung blotter ang i-submit nya, kahit pa magbigay ka ng 3k hahabulin ka ng insurance nyan.

Bigyan mo sya 3k at sabihan mo na i-own damage na lang. Na hit and run kumbaga. Mura na 3k na participation kung less than 3 years pa lang kotse nya.

[leodawesome]

Swerte mo sir kung hindi pina 'tubos' yung license mo. Nagiging norm na yan ng mga traffic police na nagaayos ng mga ganyan na may kapalit lahat ng ginagawa. Kaso too late na, may police report na eh, so malamang ipapa asikaso nila yan sa insurance nila.

[aloofkid]

Yung babae ba ang driver? Eh kung hindi naman sya driver, bakti sya ang kinausap mo... Mukhang sosyal, syotain mo na lang.

Kidding aside paps, wag na kayo mag police report, kasi kung i-claim nya yan sa insurance at yung blotter ang i-submit nya, kahit pa magbigay ka ng 3k hahabulin ka ng insurance nyan.

Bigyan mo sya 3k at sabihan mo na i-own damage na lang. Na hit and run kumbaga. Mura na 3k na participation kung less than 3 years pa lang kotse nya.

Yung babae sir yung driver nung Vehicle 1. Nag punta lang yung papa niya sa station kasi tinawagan niya right after nung accident. May asawa na sir saka 30 years old na medyo malaki ang age gap namin hahaha.

2014 yung kotse nya sir eh.

Yun ang concern ko sir, sabi kasi sakin nung lawyer ko hindi dapat siya ang mag singil sakin nung PF, dapat yung insurance daw.

Ito kasi yung text conversation namin last Monday:

Her: "Hi *my name*, *her name* to. 6k ang inabot ng estimate sa mitsubishi and nag submit na ako ng claim sa insurance. Accdg to them, kelangan mag base sa police report wc nakalagay dun ns ikaw ang bumangga."

Her: "Now you will only have to pay for the participation fee."

Me: "Can i get your insurance contact number so i can have my lawyer talked to them." - gusto ko kasi ma verify na yun talaga ang sabi nung insurance company and since this is my first accident gusto ko lawyer ko ang mag handle.

Her: "We need to go back to the police kasi clearly nkalagay sa police report na ikaw ang at fault.:

Me: "That's why I need your insurance contact number to have my lawyer talked to them"

Her: "You can call any insurance company for that. Tha is the standard process unless your vehicle is insured."

Her: "Your lawyer should know better. I'm just surprised..."

Me: "No I was the one who is insisting. I'll have my lawyers talked to the insurance and to you personally."

Her: "Ok, no issues on my part. If you are not willing to pay, I'll go back to the police station on wednesday."

Her: " So your lawyer can talk to me and the police to clear things up."

Me: "Is it ok if I'll give your number to my lawyer? He wants to talk to you."

Her: "Magkita na lng kme sa police station on wednesday. I have meeting until later today. Sinisingit ko lang ito..."

Me: "My lawyers want to settle this matter since it's just a petty issue. He would like to suggest something to you"

- End of Conversation -

Diba dapat si insurance company will call me and/or send me a letter indicating that I need to pay the PF?

Thanks guys

[aloofkid]

Swerte mo sir kung hindi pina 'tubos' yung license mo. Nagiging norm na yan ng mga traffic police na nagaayos ng mga ganyan na may kapalit lahat ng ginagawa. Kaso too late na, may police report na eh, so malamang ipapa asikaso nila yan sa insurance nila.

May nakalagay kasi dun sa wall sa station na dapat walang bayad ang mga traffic accident police report. Kaya siguro hindi sila nag tatangka.

Sinubukan nga kausapin nung pinsan ko kung ok lang daw sa kaniya dalihin sa Roadstar sa Fort para pa check since empleyado sya ng Marcedes-Benz. Ayaw daw nung babae kasi questionable daw quality nung ng trabaho na gagawin ng Marcedes-Benz and sa tingin niya na mas ok gumawa ang Mitsubishi. Pati pinsan ko nainis eh. Hehehe

[vvti2.0]

Paps, wala ka na pakialam kung san nya gusto ipaayos sasakyan nya, ipaayos nya man ito sa hindi, problema na nya ito.

And hindi insurance magsisingil sayo ng participation, sisingilin ka nun ng TOTAL DAMAGES after na magawa ang sasakyan kung yung police report ang gagamitin.

Yung participation, babayaran nung babae after magawa ang sasakyan nya sa casa, and again wala ka na pakialam kung saan nya ipapasok sasakyan nya, insurance naman ang sasagot nun.

Just give her the 3k, you are worrying too much sa 3k to the point na nakikialam ka pa kung san nya ipaayos or kung hindi nya ipaayos.

[vvti2.0]

And even your lawyer knows, kung may kotse sya, na yung participation will be paid after the job sa casa or any shop, kasama yan sa billing, yung insurance company na kasi ang kausap nyan ng casa/shop.

Wala ka pa ba experience sa mag claim sa comprehensive insurance? Or yung lawyer mo wala rin?