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  1. Join Date
    Apr 2010
    Posts
    235
    #11
    Quote Originally Posted by roma014 View Post
    ang nangyari kc sa car ko i accidentally bumped my friends car pero ung friend ko hndi n nia pnapasagot s insurance ko ung car nia..aside sa participation fee may bbyaran p b ako? kc sabi ng casa sa bonifacio global city my participation fee dw ako sa lahat ng parts n gagamitin at pati sa labor..is this for real? or should i look for another casa?
    Kaninong car bali ang pinaestimate mo sa global? Kasi pag sa friend mo yan, better kung pagawa mo na lang sa insurance mo if may compre ka, at least wala ka nang babayaran. Pero if it's your car, ya, may depreciation yan but only if it is more than 3 years old. The older the bigger the depreciation expense that you have to pay. Pag panel lang ang papalitan, i advise you to just use surplus if may available. Same lang naman yun pag pininturahan maganda na rin. And you dont have to pay depreciation pa..

  2. Join Date
    Oct 2007
    Posts
    1,324
    #12
    Quote Originally Posted by roma014 View Post
    ang nangyari kc sa car ko i accidentally bumped my friends car pero ung friend ko hndi n nia pnapasagot s insurance ko ung car nia..aside sa participation fee may bbyaran p b ako? kc sabi ng casa sa bonifacio global city my participation fee dw ako sa lahat ng parts n gagamitin at pati sa labor..is this for real? or should i look for another casa?
    You have insurance. you do not have to pay for anything, unless you are claiming for your own damages subject to your policy limits..

    My advice to you is give notice to your insurer of this incident.

    You do not have to buy surplus or anything else.

    You already have taken everything necessary by having your own insurance policy.

    Right now what I see is that you have a non complaint policy. Your servicing agent should be guiding you on this. Bayad na sya.

    Pa pull out mo lang mga documents ng claim at ipa submit mo sa insurer mo. And let them do their job.

  3. Join Date
    Oct 2007
    Posts
    1,324
    #13
    Quote Originally Posted by Manilablock View Post
    Ung car ko mag 10 yr old na, nung mabanga ako 40% ng mga replaced parts pinabayaran ng insurance + participation
    Next year you can avoid this by having a flat deductible.

  4. Join Date
    Jul 2012
    Posts
    1,362
    #14
    Question lang mga sirs, kapag naapprove ba yung claim mo for own damage from your insurance company, sila na ba hahanap ng casa na magpapagawa ng damages or may option ka na ikaw pumili ng shop na papagawaan? And one more thing, kapag naapprove po ba yung claim, pano malalaman kung magkano yung makukuha mong amount at pano mo to makukuha? (ipapasa sa account mo or via cash?). Thanks in advance! :D

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sample affidavit for insurance claim - own damage