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  1. Join Date
    Aug 2008
    Posts
    21
    #31
    Please

    My car was involved in a hit & run incident while i am parked. My front bumper got hit, the bumper cracked, the paint chipped and the plate holder cracked. Hindi ko napansin kung saan exactly nabangga kasi i only noticed upon arriving in my garage. Sa tingin ko naatrasan to habang naka parallel park ako sa mga places na pinuntahan ko kanina. Ni hindi man lang nag iwan ng note yung driver na naka atras... bad trip... My question is:

    1. Do i have to pay the deductible if i claim it to my comprehensive insurance? Unfair kasi na mag ca-cash out ako e hindi naman ako ang may kasalanan. If only nahuli ko yung nakabangga

    2. May iba pa po bang options para hindi na me magbayad ng participation fee? If theres any ano po?

    TIA po sa mga mag rereply...

  2. Join Date
    Feb 2009
    Posts
    3
    #32
    Quote Originally Posted by pjkhyra View Post
    Please

    My car was involved in a hit & run incident while i am parked. My front bumper got hit, the bumper cracked, the paint chipped and the plate holder cracked. Hindi ko napansin kung saan exactly nabangga kasi i only noticed upon arriving in my garage. Sa tingin ko naatrasan to habang naka parallel park ako sa mga places na pinuntahan ko kanina. Ni hindi man lang nag iwan ng note yung driver na naka atras... bad trip... My question is:

    1. Do i have to pay the deductible if i claim it to my comprehensive insurance? Unfair kasi na mag ca-cash out ako e hindi naman ako ang may kasalanan. If only nahuli ko yung nakabangga

    2. May iba pa po bang options para hindi na me magbayad ng participation fee? If theres any ano po?

    TIA po sa mga mag rereply...
    Paps, with regards to your question..nkencounter n po ako ng ganyan, sad to say kelangan may participation fee tyo na bbbyadan sa insurance ntin kc nkIndicate sa polciy un sir na for evey claim we are entitled to pay for our deductible unless kung dun natin icclaim sa third party..kaya lng sir on your part wala na ung third party..

    Hope this helps paps

  3. Join Date
    Sep 2005
    Posts
    15,326
    #33
    eh sir.. wala namang ibang mag shoulder nung participation nyo.. kaya no choice talaga kayo dyan..

  4. Join Date
    Aug 2008
    Posts
    21
    #34
    Quote Originally Posted by Great Carz View Post
    Paps, with regards to your question..nkencounter n po ako ng ganyan, sad to say kelangan may participation fee tyo na bbbyadan sa insurance ntin kc nkIndicate sa polciy un sir na for evey claim we are entitled to pay for our deductible unless kung dun natin icclaim sa third party..kaya lng sir on your part wala na ung third party..

    Hope this helps paps
    I see.. Tnx for your opinion bro...

    Quote Originally Posted by _Qwerty_ View Post
    eh sir.. wala namang ibang mag shoulder nung participation nyo.. kaya no choice talaga kayo dyan..
    kaya nga eh.. no choice na pla ako so wala na talaga ako magagawa kundi mgbayad ng deductible... para sa nakabangga sa akin... naisahan niya ako... oh well!! karma does its things...

  5. Join Date
    Sep 2008
    Posts
    7
    #35
    Sir comprehensive po yung insurance ng car ko, then na-involve po yung car ko sa isang gulo sa daan yung rear bumper ko is nayupi and nagasgas tapos meron rin pong chipped paint sa left front and rear door panel maliit lang naman tama po yata ng bato kasi nagbatuhan sila. Ganun po ba yun per panel parin ba ang pagbayad eh ang laki po kasi 3500 per panel dun sa participation fee willing ako bayaran yung sa rear bumper kasi malaki yung damage pano ko po makukumbinsi yung insurance na isama sa yung 2 panel ko na chipped paint lang naman kasi maliit lang yung damage tapos singilin pa ako ng another fee para dun sa door panels, Di ko na kasi nahabol yung mga salarin nakapark po sa labas ng bahay yung kotse ko. Ano po dapat kong sabihin para maisama yung mga door panels ko? TIA

  6. Join Date
    Oct 2007
    Posts
    1,324
    #36
    Quote Originally Posted by mavida View Post
    Sir comprehensive po yung insurance ng car ko, then na-involve po yung car ko sa isang gulo sa daan yung rear bumper ko is nayupi and nagasgas tapos meron rin pong chipped paint sa left front and rear door panel maliit lang naman tama po yata ng bato kasi nagbatuhan sila. Ganun po ba yun per panel parin ba ang pagbayad eh ang laki po kasi 3500 per panel dun sa participation fee willing ako bayaran yung sa rear bumper kasi malaki yung damage pano ko po makukumbinsi yung insurance na isama sa yung 2 panel ko na chipped paint lang naman kasi maliit lang yung damage tapos singilin pa ako ng another fee para dun sa door panels, Di ko na kasi nahabol yung mga salarin nakapark po sa labas ng bahay yung kotse ko. Ano po dapat kong sabihin para maisama yung mga door panels ko? TIA
    Sinabi ba sa iyo ng claims na sisingilin ka ng extra ? Normally inaayos na lang yan ng service provider for free. Kausapin mo service advisor.

  7. Join Date
    Jan 2009
    Posts
    74
    #37
    Quote Originally Posted by boybi View Post
    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?

  8. Join Date
    Jan 2009
    Posts
    74
    #38
    Quote Originally Posted by jlaw888 View Post
    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

  9. Join Date
    Jan 2008
    Posts
    29
    #39
    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.....

  10. Join Date
    Oct 2007
    Posts
    1,324
    #40
    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.

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questions on claiming insurance