Is there any time requirement for me to file a claim in our CTPL insurance, it's Own Damage 4 months ago.

[louiellopez]

I accidentally hit the back end of our MPV when I was parking at the SSS public parking. Can I still file a claim regarding such even though it happened 4 months ago. Our CTPL is insured at Mercantile. What should we do? Need your advise, please. Thank you.

[red_one]

CTPL does not cover damages to your own car. You need comprehensive (full coverage) insurance for that.

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[louiellopez]

[QUOTE=red_one;2979210]CTPL does not cover damages to your own car. You need comprehensive (full coverage) insurance for that.

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I thought when we said CTPL, we mean our insurance is comprehensive? Sorry, newbie here.

Yes, we do have comprehensive insurance. Its our first ever claim. Going back to my concern, is there is any time period that we should file an own damaged say 4 months ago?

[dr. d]

[QUOTE=louiellopez;2979241]

CTPL does not cover damages to your own car. You need comprehensive (full coverage) insurance for that.

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I thought when we said CTPL, we mean our insurance is comprehensive? Sorry, newbie here.

Yes, we do have comprehensive insurance. Its our first ever claim. Going back to my concern, is there is any time period that we should file an own damaged say 4 months ago?

someone here already said, that their insurance policy specifically states that the claim must be filed no later than xx weeks.
see your policy, po. it might be printed there.
and good luck.

[red_one]

I thought when we said CTPL, we mean our insurance is comprehensive? Sorry, newbie here.

CTPL = Compulsory Third Party Liability. This is basic requirement by LTO for car registration. You can get CTPL separately. It is different from Comprehensive Insurance.


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[Walter]

If you are willing, you can just say the accident happened a few days ago ... Since there's no other party involved ... This is assuming your insurance and payments are up to date ... Check if you have Own Damage Insurance ... OD PD BI ETPL ...

[dr. d]

i think most compre insurance policies cover "self-accidents".

"maam! sabi nyo, last week lang ito.. bakit po ang kapal na ng kalawang..?
at bakit po, sabi ng neighbor ninyo, nung Balentaym pa ito...?""

[heavenlee]

"maam! sabi nyo, last week lang ito.. bakit po ang kapal na ng kalawang..?
at bakit po, sabi ng neighbor ninyo, nung Balentaym pa ito...?""

It's been raining like hell for the past two weeks, and I park in the open. My neighbor is a big fat liar.

[dr. d]

It's been raining like hell for the past two weeks, and I park in the open. My neighbor is a big fat liar.

not that neighbor, po.
the other one. yung mapayat na brangay kagawad. as part of his job, may running video ng neighbornood ninyo. may recordings daw siya as far back as Xmas...
heh heh heh.
this is fun.

[Walter]

Bumpers are usually plastic ...

[louiellopez]

[QUOTE=dr. d;2979242][QUOTE=louiellopez;2979241]

someone here already said, that their insurance policy specifically states that the claim must be filed no later than xx weeks.
see your policy, po. it might be printed there.
and good luck.

Thank you sir for the reply.

There is no specific time period for the claim for OD, but there is one for general accident which is as soon as possible.
I'll coordinate with our insurance agent and ask the same thing. thanks again.

[ice15]

may police report ka na ba?

I suggest you mentioned that the damage was unattended...

Nag park ka outside and kina-umagahan... may bangga ka na.

[Walter]

An affidavit stating that you damaged it while reversing is enough ...

[itsmejunar]

An affidavit stating that you damaged it while reversing is enough ...

ah ganun lang po pala un hehe wla kasi ako alam tnxxxxx

[dr. d]

ah ganun lang po pala un hehe wla kasi ako alam tnxxxxx

"self-accident." yung tipong, wala namang ibang kotseng natamaan kundi yung inyo. walang nasaktan maliban sa reputasyon ninyo.
heh heh.
the compre insurance covers it, po.

[chico020]

I don't think if that will happen noh? For all I know, claim shall be filed within a week. Next time, be sure to properly protect yourself when it comes to liability for property damage and even bodily injury. Try to check this baka makatulong sayo Save On Your CTPL Insurance - Compare Prices

[Czarlj]

Guys,newbie here,19 days p lang si wigo,wla pang or at cr,wla ring travel permit,si wifey nag dadala,kagabie kinut siya nang elf at may damage yung wigo sa harapan,hindi nya naplakahan yung elf,pwd na bang mag claim sa insurance o antayin ko dumating yung or at cr bago mag claim?,,slamat sa sasagot,pasensya n lang sa tagalog ko,im from davao region,

[papi smith]

With or without OR/CR dapat pwede, kasi the reason na kumuha ka na effective on the date of purchase, para as soon as lumabas ka ng casa at nabangga, covered na.

Also, sa nego with insurance, they will ask only for sales invoice and vehicle numbers kung wala pa OR/CR to issue the policy and get paid

[Czarlj]

Tnx bro,,ilang days kaya ang pag repair sa unit?,may scratch mga 1 square foot ang laki at may sira rin sa likod,yung plastic sa may reflector,mga 2 inches ang crack,may na atrasan syang pole,hehe

[dr. d]

Tnx bro,,ilang days kaya ang pag repair sa unit?,may scratch mga 1 square foot ang laki at may sira rin sa likod,yung plastic sa may reflector,mga 2 inches ang crack,may na atrasan syang pole,hehe

i have seen the casa do it in 3 days.
i have seen the same casa do it in 3 weeks.
one just has to be friendly with the casa.