our subdivision's motorcycle service had an accident with one of the homeowner's 2006 crdi starex. As the accident happened at an intersection inside the subdivision, pwede sana quits. But the security guard who was doing roving duties, didn't have a driver's license. And you couldn't get a police report because it happened in a private road. However, some eyewitness claim the guard didn't look where he was going, plus the car was on the main road while the motorcycle was coming from one of the side streets.

So the association offered to shoulder the participation, by asking the homeowner to claim under OD. It came out to over 11K. The owner, an american married to a filipina, insisted that the association should also provide a service vehicle while his car is in the shop for an estimated 2 weeks. The owner doesn't have a 2nd car to use. He even insisted on another crdi starex. But that's also because he needs to use a wheelchair to move around. No, he is just weak, but he can still stand and walk.

He insists that according to his lawyer, there is under philippine law that the other party must provide a replacement vehicle. If we don't agree, he threatens to sue for the full amount, plus moral, etc etc, damages for the inconvenience.

I checked with our insurance agent handling insurance of our company vehicles. He said it has never happened that the other party was granted a service vehicle as required by law. They have heard of people being provided a temporary vehicle, but more for PR purposes rather than a requirement.

Is there such a law? Are we required to provide a service vehicle if we are the guilty party, the one who caused the accident? A friend of mine who came back from the US says that over there, there is a clause in the insurance for a service vehicle, that the insurance can be the one to provide it.