questions on claiming insurance

[BlackPrince]

pwde mo ireport sa insurance commission yan.



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.

tama ka sir boybi.
*motoro, sir kausapin mo ng maayos yung nakabangga. pag ayaw nyang bayaran participation mo ... tuloy mo ang kaso ... SURE WIN ka. kaso mo sa kanya is "wreckless driving resulting to damage to property ++ lagyan mo rin ng physical injuries" -- kung meron hehe ... good luck sir!

[mark_t]

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.

Baka hindi nya ni remit ang premium mo, actually ibang department naman
ang nag tratrabaho sa claims. There should be no problem, just bring it to the casa and order the repairs to be done, the adjusters would check
on it as usual.

1. Kung insurance agent sya oo, i angal mo muna sa insurance co para tanggalan siya ng authority to sell then sunod sa insurance commision.
After 3 months verify.
2. Wala kang ma claim sa TPL. In reality TPL is the legal loop hole
in the requirement to have vehicle insurance. It is almost useless.
The law requires that you have insurance, TPL is the legal loop hole
to that law.

[JohnMaxwell]

I met a minor accident earlier today and it was my fault. Medyo luma na yung sasakyan nabangga ko and pumayag sa areglo.

Unfortunately bago pa lang yung car ko . The car broker told me to have the car assessed in their casa, then later forward the assessment to the insurance company. It will take 3-5 days daw for insurance company processing.

Do I need a police report to support insurance claim? Yung ibang reply kasi dito sa thread kelangan daw, yung iba naman hindi na.

Please advise. Thank in advance sa mag re-reply.

[mark_t]

It will depend on what insurance policy you have, if it requires a police report to make a claim, then you will need it.

Some insurance companies requires a police report for your claim to be processed, while others do away with this as they have third party contractors providing adjuster's services.

[joseph_abri]

quetion:

a. kasama ba sa insurance ang mechanical trouble and repair, and replacement?
b. kung own damage.. pwede ba yung mga sira thru the years, kahit magbayad ako ng participation fee. pero repaint ng kotse.... (kumbaga elective procedure)
c. ang dami ko ng bangga dati pero ako na lang nagpagawa pwede pa ba iclaim un after?
d. kung maliit lang halaga lets say nasa 3 to 5k ang sira advisable pa ba i insurance?
e. accessories inside kasama ba sa insurance? ung mga after market parts and accessories like dvd player, lcd, soundsystem etc?

[_Qwerty_]

a. hindi naman accidents yan.. wear and tear na yan sir.. pero kung malakas ka sa insurance mo baka palusutin nila..

b. yes, own damage pwede.. kaya lang per accident ang assessment nang insurance dyan..

c. ang pag claim sir before hindi after..

d. depende sa participation nyo sir.. kung ang participation nyo 3T.. tapos ang damage eh mga 2T lang.. eh di lugi pa kayo pag pinasok nyo sa insurance..

e. yes pwede isama.. basta pag renew nyo.. idedeclare nyo lahat nang accessories..

quetion:

a. kasama ba sa insurance ang mechanical trouble and repair, and replacement?
b. kung own damage.. pwede ba yung mga sira thru the years, kahit magbayad ako ng participation fee. pero repaint ng kotse.... (kumbaga elective procedure)
c. ang dami ko ng bangga dati pero ako na lang nagpagawa pwede pa ba iclaim un after?
d. kung maliit lang halaga lets say nasa 3 to 5k ang sira advisable pa ba i insurance?
e. accessories inside kasama ba sa insurance? ung mga after market parts and accessories like dvd player, lcd, soundsystem etc?

[mark_t]

a. hindi naman accidents yan.. wear and tear na yan sir.. perinsurance..

e. yes pwede isama.. basta pag renew nyo.. idedeclare nyo lahat nang accessories..

And pay the additional premium to cover these endorsements.

[reinwald]

i just a question.. I encounter 3 different accidents on the same car (honda city 2000 model) within 4 month period. The first two accidents were already accepted but not yet claimed/repaired yet (because inaorder pa yun parts) My question and what i'm dreading is how much will i have to pay in the end? I talked to where i got my estimation (honda qc) they informed me participation fee which is 40% on "parts only" is this correct?

[themann]

partners, correct if i am wrong...

whether you are at fault or not, you are going to spend for the participation or deductible on your insurance coverage. what the insurance will do is try to get the insurance company of the other car to pay their contribution of the repair.

kaya nga ang suggestion of the insurance, even if you are at fault do not acknowledge it. go with the process of getting a police report.

reaction please....

[boybi]

you are at fault:
- if your car is damaged, your insurance will pay for the repairs of your car and you pay the participation fee + depreciation (if your car is more than 4 or 5 yrs old)
- if there is third party involved, your insurance will also pay for the repairs and damages of the third party involved including bodily injuries. you will not pay for any participation fee.

if you're not at fault:
- your car is sustained damages, the offending party's insurance will pay for the repair of your car. no cash out on your part.
- if offending party don't have comprehensive insurance, the offending party should pay from his own pocket the repair cost of your car. if you're kind enough, and you have comprehensive insurance, you may just ask the offending party to shoulder the participation fee of your insurance and let the your insurance pay for the repairs of your car.
- if you and/or any occupants in your car sustained injuries, the TPL insurance of the offending party will shoulder the hospitalization of the person injured, but up to a maximum amount of P50,000.00 only and depending on the extent of injury. (total disability or death lang ang makakakuha ng 50K).

[jlaw888]

you are at fault:
- if your car is damaged, your insurance will pay for the repairs of your car and you pay the participation fee + depreciation (if your car is more than 4 or 5 yrs old)

ano naman ang ibig sabihin nitong depreciation fee? pls. explain in layman's term..mga magkano to usually? pasok ba ang 2006 model sa ganito o wala pa?

[jlaw888]

ano naman ang ibig sabihin nitong depreciation fee? pls. explain in layman's term..mga magkano to usually? pasok ba ang 2006 model sa ganito o wala pa?

up sana may sumagot

[sarceangel]

Depreciation fee varies in percentage of share with regards to the age of your car. Your car is less than 3 years so you don't have share of depreciation....for me, its 40% since my car is over 7years old...
pano explain sa layman's term? ganito yun,kapag nabangga ka at wasak ang bumper mo,papalitan yun ng bago or 2nd hand parts,meron ka dung share... for example, the bumper cost 10k and your car is over 7years old, your share will be 40% of 10k plus participation (ex. 2k) so ang total na babayaran mo hindi lang 2k na participation kundi 6k pesos.....

[mark_t]

Ang isa po na maganda na example ay ang gulong (tires).

Binili nyo po sya ng January tapos nasira sya ng September.

Siempre gamit na iyon so hindi puede na palitan ng bagong gulong yon ng
insurance co. kasi gamit na. So kailangan mag share ka ng nagamit mo na
parte na mula January to September at ang Insurance naman October to
December ang share nila. Para mapalitan ng bagong gulong.

[motoro]

another question, is this true:

since the offending party has only TPL, and let's say i claimed it sa insurance ko and let him pay deductible instead na ako, will my insurance still go after him? my agent was telling my bro that kahit na pinabayad ko lang ng participation ay hahabulin pa rin nila yung tao. totoo ba ito o nagpapatawa lang yung agent ko?

thanks.

[j_avonni]

another question, is this true:

since the offending party has only TPL, and let's say i claimed it sa insurance ko and let him pay deductible instead na ako, will my insurance still go after him? my agent was telling my bro that kahit na pinabayad ko lang ng participation ay hahabulin pa rin nila yung tao. totoo ba ito o nagpapatawa lang yung agent ko?

thanks.

This is true. Dapat lang na habulin sila ng insurance company or the aggrieved party, kung walang insurance, para next time mag-ingat sila ng husto to avoid accidents.

[baurtwellXUV]

This is true. Dapat lang na habulin sila ng insurance company or the aggrieved party, kung walang insurance, para next time mag-ingat sila ng husto to avoid accidents.

OT: sir j_avonni

in my case naman po pano po yun?!

[j_avonni]

OT: sir j_avonni

in my case naman po pano po yun?!

In your case, you should pursue your claim against the owner of the truck since the insurance company is already delaying your claim and has no intention of paying your claim - per your story. The truck owner should be the one pressing the insurance company to pay your repair costs, since they are the insured.

If no positive actions yet, here are your options:

1. File a complaint against the truck owner and driver in court.
2. File a complaint against the insurance company in Insurance Commission.

Meantime, if you have the means to shoulder the repair costs, have your car repaired first.

[ian_rex]

This is true. Dapat lang na habulin sila ng insurance company or the aggrieved party, kung walang insurance, para next time mag-ingat sila ng husto to avoid accidents.

anong insurance kaya ito?

mangyayari kaya sa akin ito? kasi i'm planing to draft a waiver releasing me from any liabilities whatsover, once i paid the participation fee.

[themann]

matagal ba ang decision ng court? some friends say that if the damage is not that bad, do not any more burden yourself in chasing the other party.