Results 41 to 50 of 506
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April 27th, 2009 06:58 AM #41
Mga sir. Good day.
Patulong naman.
Last april 25 2009, sa palengke ng Carmona Cavite, nabangga oto ko ng isang bisikleta na may side car at lamang kalakal. Medyo trapik at basa ang daan so nakatigil kami ng biglang bumangga sa likod yung sidecar. Dali rear bumper ko, may part na nayupi at natanggal ang paint.
Walang trafic enforcer nung mga panahon na yon, at sagabal na kame sa daan kasi ang kipot ng daan,sobrang nagtrapik na so i decided remove my car and put it on side.
Masakit pa, since nangangalakal ng basura at sidecar lang, wala syang lisensya or kahit ano na maibibigay sa akin. So para matapos na. umalis nalang kame. (badtrip talaga)
Question ko po.
- What are the things that i need to claim my insurance?(i dont have police report)
- And let say 20K ang magiging cost ng repair. How much will i shoulder? Participation fee?Ilang percert or may fix rate?
- at pwede ko din bang i-claim sa insurance ang naging gasgas sa front bumper na kasalanan ng tito ko?(tanggal pintura at pa-estimate ko is 2K portion lang 5K buong panel)
- At kung saka sakaling sagot din nila sa harap. Bukod ba ang magiging participation fee ko sa front bumper at sa rear bumper?(parang ganun kasi yung narinig ko sa SA ko) Or ang participation fee ko is for the total repair cost ng papaayos ko?
Salamat po.
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April 27th, 2009 09:36 AM #42
Police clearance/report needed yan kadalasan depende sa insurance angency. Kun may kilala ka, pagawa ka na lang, tapos bahala ka na mag lagay ng script. Participation mo sa sedan usually is 0.5 percent or 2000 pesos whichever is higher.
20K repair? mahal naman masyado yan, ang buong rear and fornt bumper complete repair, nasa 4k to 5k lang each. hindi maganda ang kalalabasan pag portion lang ng gasgas aayusin. better to have the whole panel repaired.
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April 27th, 2009 10:42 AM #43
--no need for police report, affidavit lang yan ok na since OD ang claim mo...
--anong nakasulat sa policy mo? then yun ang participation mo pero meron formula dyan 1% or .5% of something eh...
---pwede! pero ibang cliam ulit yan, kasi walang conncection sa accident na nangyari sa rear bumper mo....pero nadadaan naman sa usapan yan
----yup, pero as I've said pwede idaan sa mabuting usapan yan....
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April 27th, 2009 02:24 PM #44Tanong ko lang po sa mga naka experience na:
Sagot ba ng comprehensive insurance yun both na sasakyan nabanga at yun unit ko?
Magkano ang participation ko?
Ano naman ang participation ng nabanga ko, kung ang kanya lang ay TPL?
Maraming salamat.
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April 27th, 2009 04:15 PM #45
Depende sa policy ng insurance yung participation. Kung kanya lang TPL, at ikaw naka bangga, nadadala naman sa magandang usapan yan. Ako ilang beses nako nabangga, para iwas abala, ako na lang nagpapagawa tapos ipapa reinburse ko na lang sa nakabangga kung madali lang naman gawin, ganun din pag ako naka disgrasya.
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April 28th, 2009 03:52 AM #46
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April 29th, 2009 08:47 AM #47
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.
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April 29th, 2009 09:11 AM #48
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.
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April 29th, 2009 09:16 AM #49
The best solution!
Diplomasya lang para iwas malaking gulo, pabayaran na lang ang participation fee plus konting dagdag sa abala puede na yon. Kung kayang magbayad on the spot okay na rin para wala ng police report at affidavit na lang sa own damage. Affidavit sa own damage puede na 100 petot, pero pag police report naku katakot-takot na hingi ng lagay hangang sa release ng police report at pictures humihirit pa na lagay si manong pulis.
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May 12th, 2009 06:34 AM #50last month april 18 i was bumped by a toyota innova on the other lane . he crossed the barricade and went to the opposite lane hitting my car . sa police station he assured me na hell cover for the expenses kasi naka compre sya ako ctpl lang.
after a month now hindi pa naayos sasakyan ko although nakasubmit nako sa kanila ng pic crashes, certificate of no claim, or cr etc. currently nakipagnegotiate pa yung insurance ng nakabangga sa talyer. ang estimated damage was 60k tapos napababa sa 47 k pero ang inoofer ng insurance was 27 k. ngayun titingnan ulit ng insurance kasi di pa nagtutugma ang presyo nila sa talyer.
question.
1. anu ang dapat kong gawin kasi yung car kelangan ko sa work at naapektuhan na ang work ko?
2. ganun ba katagal ang insurance magaction for parties na binangga ng insured nila?
3. kelangan ko ba magfile na ng kaso sa court kasi sabi daw masyadong mababa ang amount kasi mas malaki pa daw gagastusin ko at atagal aabutin ng one year sabi ng isang abogado.
4. yung car na drive ko is not under my name. binili ko sya froma japanese guy. kaso yung deed of sale nya hindi ko na makita. does it matter?
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