questions on claiming insurance

[motoro]

nakausap ko yung namamahala sa mga trucks ng company na nakabangga sa akin. ang dinidiin niya sa akin ay ang driver dapat habulin ko at hindi sila dahil ang driver yung may kasalanan at yung driver rin ang nakapirma sa police report. tpl lang insurance ng auto nila and whenever their driver was involved in collision yung driver daw pinapabayad. tama bang argument ito?

i told him na, we both know the driver can't pay and the company have some liabilities rin and the truck belongs to the company.

[revoGSX]

nakausap ko yung namamahala sa mga trucks ng company na nakabangga sa akin. ang dinidiin niya sa akin ay ang driver dapat habulin ko at hindi sila dahil ang driver yung may kasalanan at yung driver rin ang nakapirma sa police report. tpl lang insurance ng auto nila and whenever their driver was involved in collision yung driver daw pinapabayad. tama bang argument ito?

i told him na, we both know the driver can't pay and the company have some liabilities rin and the truck belongs to the company.

parang meron na atang thread dito nyan, you can file a "civil case" against the truck owner, kahit paano eh meron sila responsibilidad..

[j_avonni]

parang meron na atang thread dito nyan, you can file a "civil case" against the truck owner, kahit paano eh meron sila responsibilidad..

Hindi lang "kahit paano", sila ang principal liable being the owner. Also, they are also liable for the actions of their employees. So the respondent should be the registered owner.

[ian_rex]

ok. just this morning i got involved in a minor collission with a Toyota Vios 2003, 1.5 G. my problem is, i wonder if my TPL (which was compulsary) would be ok, since i'm paying cash for "participation fee". actually, it was agreed that i would pay, since the vehicle i'm driving is no longer covered by an insurance except from those so-called TPL.

the reason behind why it wasn't 'insured' by a comprehensive insurance because the vehicle is 10 year old already.

i wonder if those so-called TPL which you have to pay at the time of the registration could be legitimate, that in any event of collision could i use it not to claim but to show to the Traffic Bureau? will this be valid?

from the talks i had with mazda, normally, 1% of the insurance coverage should shouldered by the owner, or in my case, me. i wonder kung tataas pa ba yun kasi may bangga yung Vios at sabi nung driver e naka-claim na daw sa insurance yun, pero ba't hindi pa pinagawa i don't know.

hinihintay ko lang lumabas yung police report. pakiramdam ko, hindi favorable sa akin.

i still doubt if i did the right thing. i agreed to shoulder the cost of participation fee, but i didn't considered myself at fault since at the time of the incident, the vehicle i'm in was at rest. i even had the handbrakes on...

need your opinion so badly. i'm going nuts because i wanted to keep the costs down. saka para hindi ako maloko nung kabilang party.

[icon]

question related to claiming insurance. If I opted for cash settlement tapos ang estimate was to replace front bumper, pwede ko ba paayos lang yung old bumper ko? or get a surplus? may magagawa ba ang insurance dito? around 40% depriciation din daw babayaran ko pag pinagawa ko kasi kaya malaki laki din babayaran ko.

[pjkhyra]

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...

[Great Carz]

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

[_Qwerty_]

eh sir.. wala namang ibang mag shoulder nung participation nyo.. kaya no choice talaga kayo dyan..

[pjkhyra]

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...

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...

[mavida]

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

[mark_t]

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.

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?

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?

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?

thanks for any info.

1. Yes.
2. No. But you can request that your shop be accredited,
then they will check if the shops licenses and equipment is OK.
If they meet the minimum standards set by the insurer then they get accredited.
3. They will not pay more than they have to. Even if you sue them.
4. The insurance co. do not have a right to go after the one that hit
you.

[migs267]

Tanong lang for claiming insurance.

Nabangga ang car ko at inamin ng naka bangga na fault nya yung accident. Nakuha ko yung police report at policy insurance ng naka bangga at naka usap ko din yung agent nung insurance ng naka bangga.. sabi sa akin.. insurance ko na lang daw ang makikipag usap sa kanila.

Base sa policy ng insurance ng track na nakuha ko mukhang comprehensive naman ang naka sulat dahil may own damage/theft/PD/BI and TPL na naka stipulate sa policy nila.

Ngayon na submit ko na yung police report, copy ng policy ko at policy ng nakabangga. Kasama ding na submit ko yung estimate repair cost na accredited ng insurance ko.

Total repair/replacement cost is nasa 100 thousand since grabe yung tama sa pinto ng car ko at fender.


Tanong

1. Kailangan ba akong mag bayad ng participation? OR yung naka bangga dapat ang singilin ng insurance ko?

2. Doon sa insurance policy ko may naka lagay ng Authorize Repair limit? Para ba sa third party ito incase ako yung naka damage sa sasakyan nila? OR para sa car ko ito na nabangga? Eh nasa 100 thousand yung estimate repair cost ko.
Paano yun?

3. Checking na ng mga documents na pinasa ko ang ginagawa na ngayon ng insurance ko... kaso nasa ADJUSTER pa yung estimate repair cost. Di ko alam ang dahilan bakit hindi nya sinama yung estimate cost sa mga documents ko.

Nag hihinala tuloy ako na may di magandang gagawin yung adjuster.

1. Pwede bang babaan or hindi sundin ng adjuster yung repair cost na binigay ng casa ko? Naka warranty pa kasi yung car ko since less than 3 years pa so yung estimate casa ang gumawa.

[derf8666]

1. Nope, wala kang babayarang participation. Ang insurance nila ang magbabayad ng total repair cost, as long as it is still within the coverage of their TPL Property Damage. If over the coverage, yung nakabangga sa iyo na bali ang magbabayad ng excess.

2. Wala lang yung Authorized repair limit na yun, especially in 3rd party claims. It basically tells you that you cannot have your unit repaired without the approval of the insurance. At kung pinagawa mo yung unit ng walang approval na galing sa insurance, maaari kang ma-technical at pwede nilang hindi bayaran yung claim mo.

3. An estimate is never the final cost of repair. Usually bloated talaga yan at kung walang alam ang cliente sa mga repair cost, ay talagang maloloko siya ng mga casa. Pero pag pinadaan sa insurance yan, at least 20-50% off yun. Kaya nga laging may disclaimer ang estimate na "This estimate is not valid for court purposes" or something to that effect. May karapatan ang adjuster na kunin yung estimate kasi ieevaluate niya yun para maisubmit sa insurance company for approval.

Hope it helps.

[migs267]

Salamat sa sagot..worry ko lang baka pag ne-review yung estimate cost ng adjuster eh baratin yung repait ng sasakyan at mag mukhang tinipid yung repair/parts replacement. pwede ba yun?

1. Nope, wala kang babayarang participation. Ang insurance nila ang magbabayad ng total repair cost, as long as it is still within the coverage of their TPL Property Damage. If over the coverage, yung nakabangga sa iyo na bali ang magbabayad ng excess.

2. Wala lang yung Authorized repair limit na yun, especially in 3rd party claims. It basically tells you that you cannot have your unit repaired without the approval of the insurance. At kung pinagawa mo yung unit ng walang approval na galing sa insurance, maaari kang ma-technical at pwede nilang hindi bayaran yung claim mo.

3. An estimate is never the final cost of repair. Usually bloated talaga yan at kung walang alam ang cliente sa mga repair cost, ay talagang maloloko siya ng mga casa. Pero pag pinadaan sa insurance yan, at least 20-50% off yun. Kaya nga laging may disclaimer ang estimate na "This estimate is not valid for court purposes" or something to that effect. May karapatan ang adjuster na kunin yung estimate kasi ieevaluate niya yun para maisubmit sa insurance company for approval.

Hope it helps.

[Retz]

May alam ba kayong Insurance company that requires no Participation Fee?

[migs267]

Lumabas na yung LOA ng 2 yr old na sasakyan ko na binangga ng trak.. Umabot sa 100K+ cost ng repair and parts replacement including labor.. Kaso nung ni-review na ng adjuster.. di nya sinama yung replacement ng gulong..

Hindi naman sumabog yung gulong.. may hiwa sya dahil tinamaan sya nung time ng accident.. Ngayon ayaw tanggapin ng insurance dahil di daw sumabog.. Sabi ko hihintayin nyo pa bang sumabog yung gulong at matotal wreck ang sasakyan ko at ma-accident ako bago nyo palitan.. Di naka kibo yung adjuster.. nag dahilan na policy daw nila is palitan pag sumabog during accident.

Worry ko lang eh.. nag wear and tear ang gulong. Pag ka alam ko.. pag umabot na ng 3 years ang gulong di na covered ng insurance.. Tama ba ako?

[cs_nognog]

Guys ano ba yung procedure when making claims?

Fault daw ng other party yung accident, so insurance niya lahat ang sasagot? Sino mag lalakad? Yung other party or kami?

Who will make the estimate dun sa repair ng vehicle? A shop of our own choice tapos his insurance will pay for the repairs?

Hirap, hassle, my sister got into an accident yesterday Alto got t-boned by a Civic.

[stavros]

Ano ba sabi ng insurance company mo?

[mark_t]

Where is your servicing agent?

If you have a policy then you have a servicing agent.

Anyway your first step is have a repair estimate and accident statement reported.

Then get a list of their network support (ei.. repair shop, casa etc)

Read your policy, there is a page there on how to file claim.

[cs_nognog]

Thanks, will know tomorrow what the procedure and who to contact.

Btw, pano kung luma na oto mo and walang insurance? So mas mahal ba kung naka banga ka ng luma na oto and kasalanan mo kasi babayaran mo yung repair? Or if ikaw naman yung binanga, and the other car is new and has insurance, does the company still pay for your repairs?