questions on claiming insurance

[leodawesome]

Yun yata yung concern nya, sinisingil kasi sya ng participation. Pwede kasi na sya na nga nagbayad ng participation sya pa din sisingilin ng insurance for the total damages, so double bayad.

[aloofkid]

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?

Ako sir first time ko ma accidente, yung lawyer na nag sabi sa akin na issurance hindi ko alam kung may experience sya kasi when I called my lawyer nirefer lang niya ako dun sa lawyer.

Ang concern ko kasi sir pwede nya sabihin na yun ang sabi nung insurance na ako ang may mali kaya pinag babayad nya ako ng 3k.

Anyway point taken, assuming na wala ma tlga ako magagawa as you said sa tingin nyo ako ang may mali at wala na akong way to prove na sya ang may mali kahit may pictures.

Assuming i gave her the 3k papagawa ako ng affidavit diba? Stating na wala na akong obligation and nag kasundo na kami.

I've read somewhere pag nag ka ayos na daw hindi na gagamitin ni insurance yung police report since nag ka ayos na kami. So bakit ganun? Pa linae naman sir. Thanks!

[vvti2.0]

Aminin mo na lang muna, wala ka talaga lawyer hehehe.... Ginogoyo mo lang si miss na meron ka lawyer, and natatawa yun sayo.

Paps, kung may lawyer ka, isa lang sabihin sayo nun, bayaran mo na ang 3k, magkano lang yan. Bobo lang na abogado ang ikakaso ang 3k, langya hindi nga yan enough sa appearance fee nya.

Anyway back to topic, ang insurance wala pakialam kung sino mali, ang insurance ang gagawin lang ay ayusin yung problema ng client nya. Ang participation ay obligation ng insured party na ibayad sa insurance company, at dahil ikaw ang cause ng damage, gusto ng insured party na abonohan mo yung kabayaran na dapat yung insured party ang magbabayad, which is tama nga naman.

Kung gusto mo hindi ka habulin ng insurance for the TOTAL liablity which is the repair cost (not the participation fee), make sure na ang i-file nung babae ay own damage, so iig sabihin ibabasura ng police yung report, good as walang nangyari.

[aloofkid]

Aminin mo na lang muna, wala ka talaga lawyer hehehe.... Ginogoyo mo lang si miss na meron ka lawyer, and natatawa yun sayo.

Paps, kung may lawyer ka, isa lang sabihin sayo nun, bayaran mo na ang 3k, magkano lang yan. Bobo lang na abogado ang ikakaso ang 3k, langya hindi nga yan enough sa appearance fee nya.

Anyway back to topic, ang insurance wala pakialam kung sino mali, ang insurance ang gagawin lang ay ayusin yung problema ng client nya. Ang participation ay obligation ng insured party na ibayad sa insurance company, at dahil ikaw ang cause ng damage, gusto ng insured party na abonohan mo yung kabayaran na dapat yung insured party ang magbabayad, which is tama nga naman.

Kung gusto mo hindi ka habulin ng insurance for the TOTAL liablity which is the repair cost (not the participation fee), make sure na ang i-file nung babae ay own damage, so iig sabihin ibabasura ng police yung report, good as walang nangyari.

Baka nga sir wala akong lawyer hahaha.

I called that lawyer na nirefer sakin, sabi niya sakin kung ayaw makipag negotiate hayaan ko daw mag file ng police report para insurance na ang mag sabi/investigate kung sino ang may mali sya ang mag babayad.

Sabi niya sakin insurance na sisingil sakin regarding sa damages. Wag daw ako mag bibigay ng pera sa kanya, proven ako ang tama.

Then I told everything dun sa babae then she verified it to the police the police agreed so ayun, baka nga hindi naniniwala si babae na may lawyer ako hahaha.

Yung sakin kasi sir hindi ko rin naman gusto pa abutin ito sa trial court, sasabihin lang daw samin nung judge mag usap nalang kayo, case closed.

Back to the topic, yun nga ang concern ko sir how will I know the fact na ang sabi ni Insurance mismo na ako tlga ang may mali kung yung babae lang ang magsasabi sakin na sabi daw ni insurance. Kaya nga gusto ko pakausap sa lawyer ko to verify.

Kaya nga sir I am doing other ways to disprove the police report or to correct the error. Ang sakin kasi sir sige sabihin natin na maling nga tlga ako at least nagawa ko ang lahat nang pwede ko gawin. Hindi yung may pwede pala akong gawin hindi ko ginawa nag give-up nalang ako.

Anyways sabi nga nung Vehicle 1 nag claim na siya, pero ang sabi ng lawyer ko sakin pwede niya i-cancle yung claim tapos dapat may affidavit kami or settlement agreement kami stating na nag agree kami na mag bayad ako ng PF nag settle na kami then wala na akong obligation.

[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.

[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.

[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."

[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]

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).

[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.

[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.

...

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).

You do realize that both of these statements coming from you seem to contradict each other.

[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.

[CLAVEL3699]

paano ba magfile nang case sa regarding sa bangga?

[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.

[ninjababez]

Yup you can claim sa insurance pag na carjack, if its covered. Normally, pag comprehensive naman ay covered siya kasi nakapackage na yung own damage and theft. Kapag nacarjack yan, you have to report it immediately to crame and your insurance. Then wait 90 days and see if it can still be recovered. Kapag narecover pero chop chop na siya, then depending on the damage, you can opt to have it repaired and replace the stolen/damaged parts. Or kung masyadong malaki na ang damage, claim as total loss na lang. Kapag hindi siya narecover, then full amount claim siya less participation mo. Usually cash ang payment ng claim, except in some very rare cases pag brand new yung unit, minsan nirereplace ng new unit of the same model and variant din.

sorry for quoting a very old post, just have to ask. pano kung nagbabayad ka pa ng monthly amortization sa bank? i-replace ba nila yung car na na carnap, kahit 3 year old na? or bigyan ka nila ng cash? if cash, pano yan eh nagbabayad ka pa sa bank ng monthly amortization mo.
salamat!

[larry0609]

sorry for quoting a very old post, just have to ask. pano kung nagbabayad ka pa ng monthly amortization sa bank? i-replace ba nila yung car na na carnap, kahit 3 year old na? or bigyan ka nila ng cash? if cash, pano yan eh nagbabayad ka pa sa bank ng monthly amortization mo.
salamat!

Sa bank po ibabayad ng insurance dahil naka encumbered pa sa kanila yan.

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[ninjababez]

Sa bank po ibabayad ng insurance dahil naka encumbered pa sa kanila yan.

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followup question bro,
does that mean police report lang (incase of an accident) tapos dalahin ko lang sa casa or accredited shop yun auto?

-ninjababez-