questions on claiming insurance

[chrismarte]

pasingit ng tanong

what if ramdam ko na gusto ako huthutan ng SA (insurance) ko?pwede ba ako magpa assist sa iba.

di na in-house ang insurance ko

Feeling ko kasi parang gusto akong perahan lang nung SA ko, kasi sa labas nya gusto pagawa eh gusto ko sa casa willing na nga si misis (kasi ako ayoko talaga) magbayad nung sinasabi nya na per panel ang bayad pero insist nya sa labas na lang daw.

[chrismarte]

pasingit ng tanong

what if ramdam ko na gusto ako huthutan ng SA (insurance) ko?pwede ba ako magpa assist sa iba.

di na in-house ang insurance ko

Feeling ko kasi parang gusto akong perahan lang nung SA ko, kasi sa labas nya gusto pagawa eh gusto ko sa casa willing na nga si misis (kasi ako ayoko talaga) magbayad nung sinasabi nya na per panel ang bayad pero insist nya sa labas na lang daw.

[Ginnova]

insist mo sa kasa gawin. pero kung may mas maganda sa labas na shop na accredited ng insurance pwede din. may mga casa kasi na di maganda ang gawa

[jojomonsalud]

got a self accident at podium carpark with our company car, sumabit yung right door sa may poste, may tama yung running board and rear right door. just want to ask kung ano ba needed na documents in claiming sa insurance, if ever sa casa sya ipapagawa or sa outside na accreditted shop. do we have to submitt an incident report? and may adjuster pa ba na magchecheck ng damage?

[jojomonsalud]

up lang po, btw the company car is an avanza 07 model

[_Qwerty_]

just go to Toyota (yung may body and paint section, ex: Toyota C5 Pasig, Toyota North Edsa).. bring your policy.. mag fill up ka nang incident report.. don na din i no notarized... then titingnan nang adjuster.. tapos paglabas nang LOA i check in na for repair..

[EJS12129]

just go to Toyota (yung may body and paint section, ex: Toyota C5 Pasig, Toyota North Edsa).. bring your policy.. mag fill up ka nang incident report.. don na din i no notarized... then titingnan nang adjuster.. tapos paglabas nang LOA i check in na for repair..

tama to after i check in then pay for the participation fee.

[aiz]

just go to Toyota (yung may body and paint section, ex: Toyota C5 Pasig, Toyota North Edsa).. bring your policy.. mag fill up ka nang incident report.. don na din i no notarized... then titingnan nang adjuster.. tapos paglabas nang LOA i check in na for repair..

singit question po: regarding adjuster, sino po ang magpapapunta/magbabayad ng services niya?

[badsekktor]

are there any insurance companies that offers insurance for 10 yr old/older cars?

[_Qwerty_]

walang bayad to.. service nang insurance to.. pag may claim talaga nagpapadala sila nang adjuster.. for the regular insurance like standard insurance, may stay in na sa mga casa..

singit question po: regarding adjuster, sino po ang magpapapunta/magbabayad ng services niya?

[mark_t]

Question: Gaano karami ang claims sa isang month para meron na
ma assign na claims adjuster sa isang CASA.

There are several classes of claims adjusters:

• staff adjusters (employed by an insurance company or self-insured entity),
• independent (independent contractors; not insurance company employees)
• public adjusters (employed by the policyholder).
• Claim Service Representatives (employed by the Insurance Company, or Independent Adjusting Company).

In the two first instances, and the fourth, the adjuster operates on behalf of the insurer.

[mark_t]

are there any insurance companies that offers insurance for 10 yr old/older cars?

Lahat tumatangap depende sa production ng Agent.

Almost everything is insurable.

One of the reason kung bakit tina tanggihan ng ahente ang mga old cars
is sigurado gagawa ng claim yan, at tatamaan ang Bonus ng agent.

IMHO insurance should always be renewable. That is the regulation.

A portion of your claim is paid by your agent thru their bonus.
Pag malaki claim, walang bonus. This part of their contract protects
the insurer from fraud claims. Or to avoid paying out bonuses.

[aiz]

Question: Gaano karami ang claims sa isang month para meron na
ma assign na claims adjuster sa isang CASA.

There are several classes of claims adjusters:

• staff adjusters (employed by an insurance company or self-insured entity),
• independent (independent contractors; not insurance company employees)
• public adjusters (employed by the policyholder).
• Claim Service Representatives (employed by the Insurance Company, or Independent Adjusting Company).

In the two first instances, and the fourth, the adjuster operates on behalf of the insurer.

thanks sir mark_t. follow-up questions po:

a. what is a "self-insured entity"?
b. are staff adjusters the same as parang in-house adjusters?
c. yung public adjusters for motor car, unfortunately wala ata dito sa bansa natin so far?
d. what is the difference between an adjuster and a claim service rep? so they are either employed by the insurance co. or the independent adjusting co. why will independent adjusting cos. hire claim service reps?

thanks po in advance

[aiz]

walang bayad to.. service nang insurance to.. pag may claim talaga nagpapadala sila nang adjuster.. for the regular insurance like standard insurance, may stay in na sa mga casa..

i see. unless gusto ko pong ipa-reassess and mag-hire ng adjuster of my choice. thanks po.

same question din po as yung kay sir mark_t: Gaano karami ang claims sa isang month para meron na ma assign na claims adjuster sa isang CASA?

[mark_t]

thanks sir mark_t. follow-up questions po:

a. what is a "self-insured entity"?
b. are staff adjusters the same as parang in-house adjusters?
c. yung public adjusters for motor car, unfortunately wala ata dito sa bansa natin so far?
d. what is the difference between an adjuster and a claim service rep? so they are either employed by the insurance co. or the independent adjusting co. why will independent adjusting cos. hire claim service reps?

thanks po in advance

a. when you do not insure then you are self insured,(ikaw bahala
sa liabilities ninyo)
b. I do not know about in house adjusters, in 5 years wala pa ako
na meet na ganyan. I will update you kung meron na akong na kilala
na ganyan.
c. Meron, they are contracted by the insured.
d. you can ask for an ID or calling card and ask them kung bakit
sila representative and ano ang mapag lilingkod nila sa inyo.
If they are there to help then very good.
If they claim to be the vice president of the claim floor then very good din.
Ang important ay maka usap mo service advisor kung ano gusto nila gagawin,
magka contra ang service advisor and claims adjuster, ang gusto ng service advisor by the book palakihin ang repair to meet the minimum safety standard,
ang gusto ng claims makatipid at mag recycle ng parts from surplus etc.

Puede ring mali ang aking akala. But that is the way I see it.

[aiz]

thanks po, mark_t.

so ibig sabihin yung "staff adjusters" eh mga empleyado ng insurance company. then yung "independent", yung mga may sariling adjusting companies. what about yung "public" po? sa Insurance Commission website kasi dalawang klase ang naka-lista: independent and public. pero yung public, dalawa lang ang naka-lista tapos for Marine and wala for Motor Car.

[mark_t]

thanks po, mark_t.

so ibig sabihin yung "staff adjusters" eh mga empleyado ng insurance company. then yung "independent", yung mga may sariling adjusting companies. what about yung "public" po? sa Insurance Commission website kasi dalawang klase ang naka-lista: independent and public. pero yung public, dalawa lang ang naka-lista tapos for Marine and wala for Motor Car.

Ang problema mo ay masa sagot ng insurance policy mo or co.
website. Basahin mo kung sino sino ang adjusters na acceptable
sa insurance co. nasa claims manual ito. May listahan dito na maari
mong tawagan.

Tanong po, binasa nyo na po ba lahat ng nakalagay sa inyong policy?
May listahan ng adjuster doon.

Kung wala ay humingi kayo ng listahan mula sa inyong servicing agent.

[jugski]

last week may honda civic 2001 was bumped by UCPB armored van, laglag bumper ko and yun driver mukhang sanay na binigay agad yun policy and number ng insurance pati full name and driver's liscense sabay alis, now upon our conversation with their office dalin ko daw yun unit at mga corresponding document pati rough estimation ng suking shop they even offer na sila mag pagawa pero i insist and dinala ko sa casa ang total estimate ng honda q.qve is 27k+ replace whole bumper, sa tingin nyo tama lan ba mag claim ako ng ganun and if ever wala bako participation since tpl lan ang insurance ko, and gusto ko sana ipa gawa sa murang shop lan para yun sobra sa macclaim sa kanila is pang bayad sa perwisyong inabot ko...enlighten me pls..

[arvinmb1]

would like to bring up my case...
fyi, we have a brand new black Toyota Avanza na ginasgasan at binalasubas ng mga masasamang tao while I was parked at my Auntie's village.
long scratch sa may right side rear passenger door hanggang sa front passenger door. applied QD para hindi ma-obvious yung damages.
can I claim from the comprehensive insurance (c/o Standard) for these damages? since hindi naman po ito self accient at hindi ko rin nahabol yung mga culprit, pano po ang claims procedures for a newbie like me? planning to bring this to Toyota-Bicutan for repairs. gano po kaya katagal ang pagpapaayos nito? lastly ano pong ibig sabihin ng LOA related to insurance?
salamat po ng marami sa mga replies na darating.

[derf8666]

would like to bring up my case...
fyi, we have a brand new black Toyota Avanza na ginasgasan at binalasubas ng mga masasamang tao while I was parked at my Auntie's village.
long scratch sa may right side rear passenger door hanggang sa front passenger door. applied QD para hindi ma-obvious yung damages.
can I claim from the comprehensive insurance (c/o Standard) for these damages? since hindi naman po ito self accient at hindi ko rin nahabol yung mga culprit, pano po ang claims procedures for a newbie like me? planning to bring this to Toyota-Bicutan for repairs. gano po kaya katagal ang pagpapaayos nito? lastly ano pong ibig sabihin ng LOA related to insurance?
salamat po ng marami sa mga replies na darating.

1. Yes, you can claim for the damages from your insurance. Just file a police report that your unit was maliciously damaged whilest parked unattended. I'm not sure with Standard's procedure though.

2. repair time depends on the shop. Pag maraming nakapila e posible mas matagal bago matatapos yun. Depende din yan sa LOA (Letter of Authority). Usually LOA will be released by the insurance one day after inspection or up to 3 days or sometimes even 5 days, depending on the damages. Anything more than a week ay may problema na yung insurance company. In your case, maliit lang ang damage and no parts involved, most likely 1-3 days lang yun.

3. LOA stands for letter authority. This is like a Purchase Order. The insurance will guarantee payment and or replacement of parts to the repair shop the agreed conditions indicated on the LOA. Anything done by the shop or the insured na taliwas sa LOA ay hindi pananagutan ng insurance company.

by the way, check mo na rin how much yung deductible (participation) mo. Baka mas malaki pa yun kesa yung repair cost niya.

Hope it helps!