questions on claiming insurance

[dovahkiin]

Is that from BPI? Compre kasi sila so yes mahal sya compared sa iba.


Sent from my iPhone using Tapatalk

Hello sir, from malayan insurance po.

[dovahkiin]

Ang tagal naman magpagawa sa casa. 1 week na tapos kanina binisita ko sasakyan ko baklas pa lang nagagawa.

[motoristaako89]

my car got hit and i was not at fault. i have comprehensive insurance and here are my questions:

1. do i need to pay the deductible? i know i don't need to coz i'm not the one at fault but i just want to be sure.
-yes if your claiming against your insurance policy
2. do i have the right to demand that i want a certain body shop fix my car or am i limited to the body shop that is accredited by the insurance?
- nope your limited to the accredited shop the insurance has to offer.
3. if i can choose the body shop i want, does the insurance company have the right to refuse it should the body shop i want is more expensive than the one they accredited? or will the insurance company just allow me to have it fix at the shop i wanted, even if it's more expensive, and they will just be the one to negotiate with the shop?
-they may allow you to have your car repaired at your preferred shop however you will no longer need to pay the deductible except you only get the cash conversion of the repair cost. In short they give you money and its up to you where to have it repaired. (the settlement is usually 70% of the repair value less the depreciation cost of your car.)
4. what if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and i don't need to wait if the other party will pay up or not right? in short, it's their problem?
-yes it will be the problem of the insurance company, but you still have to pay the deductible and have complete papers (police report, license of you and the other car, or and cr of both vehicles.
thanks for any info.

hope this helps

Hi sir, balikan ko lang po yung unang tanong dito sa thread na to na: What if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and I don't need to wait if the other party will pay up or not, is that correct? In short, I-RE-RELEASE NILA AGAD ang sasakyan upon repair kahit hindi pa sila naka-singil doon sa nakabangga?

[dr. d]

Hi sir, balikan ko lang po yung unang tanong dito sa thread na to na: What if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and I don't need to wait if the other party will pay up or not, is that correct? In short, I-RE-RELEASE NILA AGAD ang sasakyan upon repair kahit hindi pa sila naka-singil doon sa nakabangga?

that is correct, po.
if they refuse to release the repaired car, one should ask why.

[motoristaako89]

that is correct, po.
if they refuse to release the repaired car, one should ask why.

sir, LAHAT ng car Insurance pa yan, ganon talaga ang policy ? na DAPAT I-release ang sasakyan pag nagawa na at wala na kaming paki -alam kung hindi pa nila mahagilap yung taong naka-bangga, basta kailangan i-release na ang sasakyan ng owner, makasingil man sila sa third party or hindi, correct po ?

[dr. d]

sir, LAHAT ng car Insurance pa yan, ganon talaga ang policy ? na DAPAT I-release ang sasakyan pag nagawa na at wala na kaming paki -alam kung hindi pa nila mahagilap yung taong naka-bangga, basta kailangan i-release na ang sasakyan ng owner, makasingil man sila sa third party or hindi, correct po ?

if your insurance has the same collatillas as mine, i would believe so.
read your insurance contract, po, and see if there is anything in there that would explain why they refuse to release your car, assuming you are not in arrears of any sort.

[motoristaako89]

if your insurance has the same collatillas as mine, i would believe so.
read your insurance contract, po, and see if there is anything in there that would explain why they refuse to release your car, assuming you are not in arrears of any sort.

none of the soft discussed in my policy sir e kaya nag-aask po ako if kung LAHAT po kaya ng insurance ay ganon naman talga - na bawal i-hold ang car once repaired na - First of Insured ako sa knila ( i paid them to do the needful sa car ko), secondly not my fault ung accident tapos bbgyan pa ba nila ako ng hard time, di po ba? parang ayaw kc makipag coordinate ng third party kaya medyo worried lang ako - first timer kasi

[motoristaako89]

if your insurance has the same collatillas as mine, i would believe so.
read your insurance contract, po, and see if there is anything in there that would explain why they refuse to release your car, assuming you are not in arrears of any sort.

none of it was discussed in my policy sir e kaya nag-aask po ako if kung LAHAT po kaya ng insurance ay ganon naman talga - na bawal i-hold ang car once repaired na - First of Insured ako sa knila ( i paid them to do the needful sa car ko), secondly not my fault ung accident tapos bbgyan pa ba nila ako ng hard time, di po ba? parang ayaw kc makipag coordinate ng third party kaya medyo worried lang ako - first timer kasi

[mat-mat]

Good Morning po. Nabanga po kasi ng truck ang likuran ng kotse ko last August 2, 2017. May LOA na po from the insurance company. Ang problem lang po is 5 years na yung car ko so may depreciation na sya. Ang sabi po ng casa ay ako daw ang maningil nun sa nakabanga sakin. Ask ko lang po kung ako ba or dapat insurance company ang gumawa nun? Thank You po.

[dr. d]

Good Morning po. Nabanga po kasi ng truck ang likuran ng kotse ko last August 2, 2017. May LOA na po from the insurance company. Ang problem lang po is 5 years na yung car ko so may depreciation na sya. Ang sabi po ng casa ay ako daw ang maningil nun sa nakabanga sakin. Ask ko lang po kung ako ba or dapat insurance company ang gumawa nun? Thank You po.

if you can source replacement parts, new or used, for the repair guys to use on your car, insurance will not charge you for these parts and their depreciation cost, anymore.
kung wala namang pinalitan, at pinukpok at pinintahan lang, there should be no depreciation charges.

[mat-mat]

if you can source replacement parts, new or used, for the repair guys to use on your car, insurance will not charge you for these parts and their depreciation cost, anymore.
kung wala namang pinalitan, at pinukpok at pinintahan lang, there should be no depreciation charges.

Nasimulan na po kasi ng casa tangalin yung parts. Tumawag lang kanina to ask kung aware ako sa around 50k na babayaran ko daw kasi umabot ng 280k plus ung repair. Ako po ba dapat maningil dun sa company ng nakabanga sakin? or ung insurance ko ang dapat gumawa nun? TY po sa pagsagot.

[dr. d]

Nasimulan na po kasi ng casa tangalin yung parts. Tumawag lang kanina to ask kung aware ako sa around 50k na babayaran ko daw kasi umabot ng 280k plus ung repair. Ako po ba dapat maningil dun sa company ng nakabanga sakin? or ung insurance ko ang dapat gumawa nun? TY po sa pagsagot.

tinatanggal lang naman pala. hindi pa na-install yung replacements, right? dahil pupukpukin pa at pipintahan pa, before installation.
ask them to "hold!", that you will source these parts yourself. ask for a detailed list.
verify with your insurance, po.
good luck.

but i am curious.
they must first call and get the approval of the car owner, informing him of the projected costs, before they start...

[mat-mat]

tinatanggal lang naman pala. hindi pa na-install yung replacements, right? dahil pupukpukin pa at pipintahan pa, before installation.
ask them to "hold!", that you will source these parts yourself. ask for a detailed list.
verify with your insurance, po.
good luck.

but i am curious.
they must first call and get the approval of the car owner, informing him of the projected costs, before they start...

Sabi po kasi sakin nung Monday ay may LOA na. Pero possible na itotal loss na lang kung may madagdag pa na damage kapag tinangal na ung parts, nasa 280k na po kasi ung damage and 300k na lang coverage ko. Tatawagan daw po ako sa result pero ako na ung tumawag kanina kasi di naman na ako binalikan. Sabi nabaklas na daw and ginagawa na nila ung alignment. Nag end ung call naming then tumawag sya after a couple of minutes asking kung aware daw ako sa 51k na depreciation. Akala kasi insurance na rin ang maniningil nun sa nakabanga sakin pero ang sabi ng casa ako daw makipagusap sa company ng nakabanga para maningil.

[_Qwerty_]

dapat sa accredited shop mo lang dinala.. walang depreciation pag surplus parts..

Sabi po kasi sakin nung Monday ay may LOA na. Pero possible na itotal loss na lang kung may madagdag pa na damage kapag tinangal na ung parts, nasa 280k na po kasi ung damage and 300k na lang coverage ko. Tatawagan daw po ako sa result pero ako na ung tumawag kanina kasi di naman na ako binalikan. Sabi nabaklas na daw and ginagawa na nila ung alignment. Nag end ung call naming then tumawag sya after a couple of minutes asking kung aware daw ako sa 51k na depreciation. Akala kasi insurance na rin ang maniningil nun sa nakabanga sakin pero ang sabi ng casa ako daw makipagusap sa company ng nakabanga para maningil.

[aouieboy]

Question lang sa mga may experience sa insurance.

Nabangga ako at nagissue na ng LOA yung insurer nung bumangga sakin. Considering na luma na yung kotse ko, tingin ko matetengga ng ilang months yung kotse ko kakaantay ng replacement parts (window and door handle) sa CASA. Sa CASA nakaaddress yung LOA since wala silang accredited repair shop dito samin.

Pwede ko pa kayang papalitan yun para gawing cash settlement na lang? Mabilis lang kasi dun sa kausap kong car repair shop.

[dr. d]

Question lang sa mga may experience sa insurance.

Nabangga ako at nagissue na ng LOA yung insurer nung bumangga sakin. Considering na luma na yung kotse ko, tingin ko matetengga ng ilang months yung kotse ko kakaantay ng replacement parts (window and door handle) sa CASA. Sa CASA nakaaddress yung LOA since wala silang accredited repair shop dito samin.

Pwede ko pa kayang papalitan yun para gawing cash settlement na lang? Mabilis lang kasi dun sa kausap kong car repair shop.

pues, you better tell them of your decision, sir! asap!

[shadow]

Good Morning po. Nabanga po kasi ng truck ang likuran ng kotse ko last August 2, 2017. May LOA na po from the insurance company. Ang problem lang po is 5 years na yung car ko so may depreciation na sya. Ang sabi po ng casa ay ako daw ang maningil nun sa nakabanga sakin. Ask ko lang po kung ako ba or dapat insurance company ang gumawa nun? Thank You po.

Anong pinagsasabi ng casa? Third party ka bale. Wala kang babayaran kahit na ano.


Sent from my iPhone using Tapatalk

[shadow]

Question lang sa mga may experience sa insurance.

Nabangga ako at nagissue na ng LOA yung insurer nung bumangga sakin. Considering na luma na yung kotse ko, tingin ko matetengga ng ilang months yung kotse ko kakaantay ng replacement parts (window and door handle) sa CASA. Sa CASA nakaaddress yung LOA since wala silang accredited repair shop dito samin.

Pwede ko pa kayang papalitan yun para gawing cash settlement na lang? Mabilis lang kasi dun sa kausap kong car repair shop.

Eh di huwag mo muna ipasok sa casa. Pa order mo muna sa kanila tapos tawagan ka na lang pag dumating na parte ang gagawin na.


Sent from my iPhone using Tapatalk

[shadow]

Good Morning po. Nabanga po kasi ng truck ang likuran ng kotse ko last August 2, 2017. May LOA na po from the insurance company. Ang problem lang po is 5 years na yung car ko so may depreciation na sya. Ang sabi po ng casa ay ako daw ang maningil nun sa nakabanga sakin. Ask ko lang po kung ako ba or dapat insurance company ang gumawa nun? Thank You po.

Sisingilin ng ano eh meron na LOA?


Sent from my iPhone using Tapatalk

[dr. d]

dapat sa accredited shop mo lang dinala.. walang depreciation pag surplus parts..

kayo lang po ang sisingilin ng insurance.
bahala po kayo kung gusto nyong singilin ang other party.
"they have a contract with you. they have no contract with the other party."
but you should really talk to your insurance, before it becomes difficult to back off from their projected activity.