Quote Originally Posted by Balikpinoy View Post
Bakit dito sa Pilipinas, participation lang pinaguusapan? If I was not at fault and somebody hit me, I make the other party pay for the whole repair, not just the participation of MY OWN insurance policy. Claiming against insurance will usually result in a higher rate for the next term due.

May nakabangga sa Jazz ko, jeepney driver, wasak bumper ko. I made the driver pay for the whole amount as estimated by the casa and did not claim insurance to ensure I have no claim record.
I asked my insurance agent about this when I got into an accident and the other party would not pay for my damage using her insurance. They were clearly at fault, the driver had no license. I was hesitant to claim as own damage thinking that it would affect the following year's premium, but my agent confirmed that it will not. However, I paid for my damage out of pocket since it was almost equivalent to my PF.

I do not like this option as well, but it's the least amount of hassle. Sometimes people refuse to pay anything so I will settle for what I can get. This is my mindset na considering how people have become so inconsiderate nowadays.