questions on claiming insurance

[ta_fugs]

Of course you can claim even if it's your fault, basta accidental pa rin (versus sinadya). If it's a small cut and it's repairable, the insurer might not agree to replace it. Some insurers require a police report while others just need an affidavit or an incident report. Ask your insurer what they require. What's important is to report it immediately to your insurer. Remember that you will have to shoulder the deductible. For 3 star shops, the average painting cost is about 2,500 to 3,000 per panel and the bumper is considered as 1 panel.

Hope this helps.

minor lang naman,ako na lang magpapagawa and besides i should pay a deductible..mas makakamura siguro ako kung hindi ko na idadaan sa insurance,, anyway thank you,,nagka idea ako..

[ta_fugs]

Of course you can claim even if it's your fault, basta accidental pa rin (versus sinadya). If it's a small cut and it's repairable, the insurer might not agree to replace it. Some insurers require a police report while others just need an affidavit or an incident report. Ask your insurer what they require. What's important is to report it immediately to your insurer. Remember that you will have to shoulder the deductible. For 3 star shops, the average painting cost is about 2,500 to 3,000 per panel and the bumper is considered as 1 panel.

Hope this helps.

minor lang naman,ako na lang magpapagawa and besides i should pay a deductible..mas makakamura siguro ako kung hindi ko na idadaan sa insurance,, anyway thank you,,nagka idea ako..

[Retz]

newbie here...ask ko lng mkakapag claim ba ako sa insurance company if i accidentally damage my car on my on fault? no third party involve..
ngpa-park kasi ako then ndi ko nkita ung nkatayong maliit n tubo s gilid so tinamaan ung bumber ng car ko... just a small cut on a right side of my bumper.
do i need a police clearnace on claiming,and if i decided to change my bumper i mean to upgrade on sporty look, sagot pa din ng insurance un? or the accredited
shop will just repair it.. need help please..tnx..

Sir pag mga minor lang, kahit hindi na idaan sa insurance kasi same lang din magbabayad ka din participation.

[ta_fugs]

Sir pag mga minor lang, kahit hindi na idaan sa insurance kasi same lang din magbabayad ka din participation.

oo nga may deductible p din..ganun na nga lang ako n lang magpapagawa..thanks sir.

[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!

[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.

[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.

[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


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#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!

[Manilablock]

Next time, ipa impound mo ung naka banga sayo, ng sa ganon after ka bigyan ng pera saka ka lang pumayag na makuha ang car nya.

[JhonMike]

Good advice

[carmart]

Hi

I would like to ask for you help regarding the accident I got into last week.

I was driving in a 2-lane traffic when i decided to shift to my left when both lanes stopped. Consequently, i was not able to shift the whole body of my car to the left lane. I was held diagonally and a cement mixer truck stopped right behind me. The car in front of me moved forward but before I was able to do so, the cement mixer truck crashed into my the back door.

Fortunately, there was a traffic investigator onsite and he was able to take photos of the accident.
In the precinct discussions were made but the truck driver was allowed to deliver his load prior to releasing his statement.

Today, I went back to get the police report and what was stated is that parties gave contraindicating statements.
No official report released yet but I don't think the report would help me in my claim. I don't have a comprehensive insurance, only TPL but the concrete company does. I would like to ask for your advise... how can I claim for the damages?

TIA!

[SkyFlakes88]

Hi

I would like to ask for you help regarding the accident I got into last week.

I was driving in a 2-lane traffic when i decided to shift to my left when both lanes stopped. Consequently, i was not able to shift the whole body of my car to the left lane. I was held diagonally and a cement mixer truck stopped right behind me. The car in front of me moved forward but before I was able to do so, the cement mixer truck crashed into my the back door.

Fortunately, there was a traffic investigator onsite and he was able to take photos of the accident.
In the precinct discussions were made but the truck driver was allowed to deliver his load prior to releasing his statement.

Today, I went back to get the police report and what was stated is that parties gave contraindicating statements.
No official report released yet but I don't think the report would help me in my claim. I don't have a comprehensive insurance, only TPL but the concrete company does. I would like to ask for your advise... how can I claim for the damages?

TIA!

Kung aamin yun truck na fault nya sa police report then you can claim sa kanila yun damages nang kotse nyo sir pero kung hindi wala po kayong mahahabol sir. All will depend on the police report and the officer who is handling the case.

[silhouette]

deductible fee = participation fee

agree, na you can choose your shop. and the insurance will just coordinate with the shop you want.

but it would be better if the shops accredited by your insurance is already presented prior to your availment. like what my insurance did. asside from the wet look, allen isidro is also one of their accredited shops.

[shadow]

deductible fee = participation fee

agree, na you can choose your shop. and the insurance will just coordinate with the shop you want.

but it would be better if the shops accredited by your insurance is already presented prior to your availment. like what my insurance did. asside from the wet look, allen isidro is also one of their accredited shops.

wow! ano insurance mo?

[silhouette]

mapre bro!

should you wish to change your insurance. just let me know. i can refer you to a friend. wala po akong fee dun. i just like their service (well that is based on the agent handling my & my friends' account).

[boybi]

no need na for letter of authority from your insurance for non-accredited shops kung kaya mong abonohan yung cost of repair and parts, tapos i-reimburse mo lang from your insurance. ganun palagi ang ginagawa ko para mabilis magawa yung car at magamit agad.

kapag na-involve sa accident, tawag agad ako sa insurance para i-report. tapos i'll take pictures of the damaged parts. then pagawa ko na agad sa suking shop.

[motoro]

ginagago ako ng agent ko sa insurance porket ayaw ko pagawa sa accredited shop nila tinatagalan niya yung pagasikaso ng bangga ko. di daw niya makuha yung policy number ng kabilang insurance for many days na daw at ako pa pinapatawag imbes na sila lahat magasikaso. tapos nung tinawagan ng bro ko yung insurance ng kabilang party, 5mins lang nakuha na yung policy number. yung head nila kinausap namin pero mukhang walang paki.

nung binigay na yung policy number sa ogag na insurance agent ko tsaka niya tinawagan yung insurance ng nakabangga sa akin at dun nalaman na TPL daw insurance ng nakabangga sa akin. so here are my questions:

1. pwede ko pa ba ireport itong ogag na insurance agent ko sa insurance commission para makaganti ako?

2. kung TPL ang insurance ng kabilang party, ano na ang magiging procedure sa pagclaim? yung insurance ko ba ang dapat pa rin humabol dun o ako dapat?

thanks.

[boybi]

1. pwede ko pa ba ireport itong ogag na insurance agent ko sa insurance commission para makaganti ako?

pwde mo ireport sa insurance commission yan.

2. kung TPL ang insurance ng kabilang party, ano na ang magiging procedure sa pagclaim? yung insurance ko ba ang dapat pa rin humabol dun o ako dapat?

kung comprehensive ang insurance mo, pwdeng ikaw nalang ang magclaim sa insurance mo as own damage pero magbabayad ka ng participation fee (and depreciation if your car is more than 4 or 5 yrs old). kausapin mo rin yung nakabangga sayo na kahit yung participation nalang ang bayaran nya.