questions on claiming insurance

[dr. d]

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sir, if you are insured, file a claim with your insurance company. let them run after the other party. that is what insurance is for.
but if you are not insured, then you are left to the "whims" of the other party. (read: expect things to crawl. you will probably be paid eventually, but it won't be tomorrow.)
good luck.

[basucat]

guys may question ako sa inyo. nabangga ako last October 2 at fault nung other party, umamin naman siya at nagkaroon kami ng amicable settlement na siya ang sasagot lahat nung damages. ngayon, pinasasagot nya sa insurance niya yung damages so nag pasa ako ng mga requirements sa insurance niya (Standard Insurace). then up to now ang tagal at sobrang daming dahilan at delaying tactics nung insurance niya tuwing nag fofollow up ako, now ang sinasabi nila may descrepancy daw sa policy number ko dun sa policy at dun sa certificate of no claim na pinasa ko (magkaiba daw policy number). hindi ko maasikaso since APEC holidays para ma verify ko.

Now ang question ko, JUST IN CASE, na ma decline ang claim for whatever reason or dahil sa sobrang katagalan na, may accountability pa din ba yung naka bangga sa akin na sagutin niya pa din yung damages (27k total parts replacement and service) on his end just in case hindi mag work out yung sa pag sagot niya ng damages through his insurance?

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I agree that you should complete and put your documents in order so that wala silang questions. If may discrepancy yung certificate of no claim, find out what it is and ask your insurer to correct it. Once all the documents are in order, it helps to ask the bumping party to follow up their insurer.

If they decline your claim, the bumping party's liability continues until they've settled it with you. If you have a comprehensive insurance, file a claim with your insurer and let your insurer run after the bumping party.

Kung wala kang comprehensive insurance, talk to the bumping party and find out what they can do. If they do not respond, ask a lawyer to send them a demand letter. If they do not settle, your lawyer will file a criminal/civil case against them. You can have your car repaired and all the documents & pictures will form part of your evidence.

[in2yourjeans]

maraming salamat sa mga responses nyo. follow up question guys, now since natatagalan na ako and na hahassle na kasi commute ako araw araw mag 2 mos na, *Pwede ko bang abnonohan yung pang pagawa ng sasakayan ko muna then have them pay me na lang once ma approve or matapos yung napakatagal na claims process na yan? maraming salamat ulit

[basucat]

I assume wala kang comprehensive insurance kaya abonohan mo na. Nag follow up ka na ba sa insurer ng nakabangga sa iyo? Sa may ari ng sasakyan naka bangga sa iyo? Kung talagang walang nangyayari, pwede mo na abonohan but expect that when they pay you, susubukan nila baratin ka. Make sure that lahat ng files mo intact gaya ng pictures, repair invoices, police report or document na inaamin na sila ang nakabangga sa iyo, demand letter para mayroon ka ebidensya kung you have to file a case to recover.

[lesale08]

Question lang mga idol, wala pa kasi yung compre insurance ko pero usually ba mga magkano participation fee say for example nasa 30K yung estimate ng damage parts repair and labor? Para may idea ako. Plan ko kasi paayos kagad yung front panel nung oto ko na dent ko kasi sa parking tapos na misalign yung mismong panel. 1 month old car pa lang. Thanks.

[basucat]

Question lang mga idol, wala pa kasi yung compre insurance ko pero usually ba mga magkano participation fee say for example nasa 30K yung estimate ng damage parts repair and labor? Para may idea ako. Plan ko kasi paayos kagad yung front panel nung oto ko na dent ko kasi sa parking tapos na misalign yung mismong panel. 1 month old car pa lang. Thanks.

Kung may compre ka, wait for the LOA to repair from your insurer. Baka ma technical ka ng insurer mo ng unauthorized repair. Yung participation consist of the deductible & the depreciation. Yung depreciation depends on the age of the vehicle. Kung 3 yrs or less, walang depreciation applicable to replaced parts. Since 1 month old pa lang, deductible lang ang babayaran mo.

[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!

[dreamur]

Start with the police report first. What are the contradicting statements? Remember, there are always 3 versions of the accident - yours, the truck driver's and the true story.

[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.

[Mask Rider Blac]

Question lang mga idol, wala pa kasi yung compre insurance ko pero usually ba mga magkano participation fee say for example nasa 30K yung estimate ng damage parts repair and labor? Para may idea ako. Plan ko kasi paayos kagad yung front panel nung oto ko na dent ko kasi sa parking tapos na misalign yung mismong panel. 1 month old car pa lang. Thanks.

Kung may compre ka, wait for the LOA to repair from your insurer. Baka ma technical ka ng insurer mo ng unauthorized repair. Yung participation consist of the deductible & the depreciation. Yung depreciation depends on the age of the vehicle. Kung 3 yrs or less, walang depreciation applicable to replaced parts. Since 1 month old pa lang, deductible lang ang babayaran mo.

Participation fee is 1/2 of 1 percent of the insured amount. However, if you are under a bank loan, participation fee can go as high as 1 percent of the insured amount. That is stated on the face of the insurance policy. You can check it para sure.

[reine2008]

Question po mga idol, na sandwich po ang oto ko ....pang 3rd po at ang nasa likod ko po eh provincial bus (last vehicle)....1st time ko lang po na experience ma involve sa vehicular accident, paano po gagawin sa pag claim ng insurance? PGA po insurance ng oto thru BDO. TPL lang daw po si bus company. Nagpa estimate kame sa casa ang lumabas eh 820k, ang oto ko po is more than 3 1/2 yrs old na. sa PGA po ba dapat ako mag claim or habulin si bus company?

thanks po in advance.

[iceblueyes]

Question po mga idol, na sandwich po ang oto ko ....pang 3rd po at ang nasa likod ko po eh provincial bus (last vehicle)....1st time ko lang po na experience ma involve sa vehicular accident, paano po gagawin sa pag claim ng insurance? PGA po insurance ng oto thru BDO. TPL lang daw po si bus company. Nagpa estimate kame sa casa ang lumabas eh 820k, ang oto ko po is more than 3 1/2 yrs old na. sa PGA po ba dapat ako mag claim or habulin si bus company?

thanks po in advance.

wow 820k
Di pa ba yan total loss?

Anyway, talk to your insurance agent 1st, siya makakasagot sa lahat ng tanong mo. Essentially dapat sila maghahabol sa bus company if you have the official documents for it. police report about the incident etc...

Do not sign anything from your insurance / the bus comapany unless 100% sure ka na naiintindhan mo ang nangyayari

[cast_no_shadow]

Question po mga idol, na sandwich po ang oto ko ....pang 3rd po at ang nasa likod ko po eh provincial bus (last vehicle)....1st time ko lang po na experience ma involve sa vehicular accident, paano po gagawin sa pag claim ng insurance? PGA po insurance ng oto thru BDO. TPL lang daw po si bus company. Nagpa estimate kame sa casa ang lumabas eh 820k, ang oto ko po is more than 3 1/2 yrs old na. sa PGA po ba dapat ako mag claim or habulin si bus company?

thanks po in advance.

What vehicle bro?

WOW! 820K? Not yet total loss?

File the claim, pabayaan mo na habulin ng insurance mo yung mga liable.

[reine2008]

What vehicle bro?

WOW! 820K? Not yet total loss?

File the claim, pabayaan mo na habulin ng insurance mo yung mga liable.

Paano ko po ba malalaman na total loss ang estimate ng casa? Sobrang wasak ang likod ng sedan eh at ung harap umangat ang hood...wasak din ang bumper.

Ano ibig sabihin Pag total loss po? Ako po kasi ang gumagamit ng kotse...nung nangyari ung accident ihahatid ako ng husband ko sa airport... para sa kin kasi parang ayaw ko na ipa repair, pwede ba ako mag ask na ireplace na lang yung car? Kung halos pang brand new na ang presyo kapag ni repair?

By the way, thank you sa reply at sa mga magbibigay ng advise [emoji5]

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[cast_no_shadow]

Paano ko po ba malalaman na total loss ang estimate ng casa? Sobrang wasak ang likod ng sedan eh at ung harap umangat ang hood...wasak din ang bumper.

Ano ibig sabihin Pag total loss po? Ako po kasi ang gumagamit ng kotse...nung nangyari ung accident ihahatid ako ng husband ko sa airport... para sa kin kasi parang ayaw ko na ipa repair, pwede ba ako mag ask na ireplace na lang yung car? Kung halos pang brand new na ang presyo kapag ni repair?

By the way, thank you sa reply at sa mga magbibigay ng advise [emoji5]

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Again ma'am what is the vehicle?

You asked already for an estimate sa PGA, nagsubmit na ba kayo ng claim?

Insurance will tell if they will approve the repair or declare is as total loss na.

Pag total loss na may option dyan

In general:

Insurance will compute the salvage amount of the vehicle, if you want to retain the damage car then they will deduct it sa value stated in the policy. You get cash + the damaged car

If you will not take the damaged vehicle you will get the amount stated dun sa policy mo.

[reine2008]

Again ma'am what is the vehicle?

You asked already for an estimate sa PGA, nagsubmit na ba kayo ng claim?

Insurance will tell if they will approve the repair or declare is as total loss na.

Pag total loss na may option dyan

In general:

Insurance will compute the salvage amount of the vehicle, if you want to retain the damage car then they will deduct it sa value stated in the policy. You get cash + the damaged car

If you will not take the damaged vehicle you will get the amount stated dun sa policy mo.

Ford po yung vehicle, casa po ang nagbigay ng estimate sa PGA.

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[cast_no_shadow]

Ford po yung vehicle, casa po ang nagbigay ng estimate sa PGA.

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Claim is already with PGA?

Any news from them? Follow-up mo na lang.

[reine2008]

Nako mukhang Mahabang kulitan yata kapag PGA ang insurance? Sa BDO ko po binigay yung mga requirements kasi yun ang sabi sa akin nung tumawag ako sa PGA.

Do I need to pay for the participation fee at yung 20% deductible kapag sinabi na hindi considered as total loss?

Ipapa estimate pa ba ng PGA ang vehicle sa talyer nila kahit na estimate na ng ford?

Sensya na medyo maraming tanong. Thanks

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[cast_no_shadow]

Actually we're on the same boat.

Submitted my claim sa BDOI then sila mag forward sa Prudential.

Awaiting pa din sa sagot nila hehe

And base dito sa board medyo hindi maganda reviews sa prudential. [emoji20]

To your question, yes you need to pay participation

deductibles (if repair ang gagawin)

Check your policy if may out of casa clause ka since 3.5 years old na pala sasakyan mo.

Not sure how many years old they will allow you to have it fixed sa dealer.

I suggest wait muna feedback from prudential and samahan mo na din ng pangungulit. Hopefully they can return back to you asap and give you your options.

As to me I will also do the same hehe


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[reine2008]

Na stress naman ako ng bonggang bongga!
Thank you cast_no_shadow 😉

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