Collision advice (medyo mahaba)

[slip-slick]

you have comprehensive insurance to protect you from these sort of things. dapat nga hindi mo kinakausap ung 2nd party. dapat insurance company ang mag settle nyan with them. and also, tell that lady driver that no one should be talking with you or the insurance company than her. sya lang involved, not her father, not her officemates.

[Bogeyman]

Tingin ko kailangan mong bayaran yung gumawa. Partial lang kasi ang mababayad ng insurance. Humingi ng resibo. Tapos pa-pirma ng quit-claim. Ayos na.

Ganon talaga e. Choice nya yung talyer kasi ikaw ang naka-bangga.

Noted. However, as things stand, my insurance company was already gracious enough to accommodate her claim, considering that we had neither a police report nor a notarized affidavit. They provided us with an incident report form with which to narrate the events and sign by them. And she never did contest my narration, when she could have called me to clarify any questionable details prior to affixing her signature. It's not like the insurance company will just release the money, period; they will also provide an accredited shop where the money will be used to repair the vehicle, plain and simple. Bending even farther back, they offered to pick up the vehicle at her house, and then return it themselves after the repairs are done, saving her the hassle of having to drive the vehicle to their shop.

Again, in retrospect, she was well within her rights to file a police report, and I would have obliged. But then, it was she who decided against it, saying that she was in a hurry. Ok, I said. She was in too much of a hurry as to even decline my repeated offers of medical and towing assistance, which would have allowed us to discuss the matter for an extended period of time. It just doesn't feel right, almost as if she had something to hide. Maybe I should have insisted, but then I had the impression that I was talking to an educated and reasonable person.

I might have eventually considered paying the balance and charging the whole matter to experience. However, what changed my mind was the fact that she let other people speak on her behalf, people whom I readily accommodated even as I expected nothing but badgering, harassment and insults. In contrast, our last conversation had us both having an amiable tone toward each other.

On my end, just one person has spoken for me, and only lately: that is my wife, because she was also there when it happened. I simply find it unfair that the other party does not have the decency to face the situation with me despite her direct involvement, leaving it instead to other people to speak for her. These people were not even at the scene in the first place, yet they make demands as if they were directly affected by the matter.

[basti08]

oo sir, hayaan mu na lang sila sa insurance...

ngayun pag sila ang tinecnical ng insurance....
wala police report, pic ng actual accident, etc...

eh sila patay.

[nugundam93]

Baka pasikat lang si male officemate?

hehehe. eto sa kanya!

[redorange]

I guess that insurance isn't required in the Philippines to operate a vehicle. Anyways, you are already acknowledging fault since you did rear end her vehicle and even here in the states you would be at fault for not allowing enough distance to react to a sudden stop. Since you have already given the information to your insurance they should be talking to your insurance and not you. All negotiating should be done by the them with the insurance company, this is why you pay insurance so you don't have to deal with these things.

You made a mistake after accident by not calling the police to get a report. They may have found her as the guilty party after their investigation, but you will never know that now. Since she acknowledged to operating defective vehicle in your accident report to the insurance you may be able to file a counter suit if they sue you in civil court. Have you and your wife been checked by a doctor? Accident injuries do not always show up immediately after the accident, you can file a counter suit that because of her negligence in maintaining a properly operating motor vehicle you suffered said injuries because of the accident. Having a vehicle licensed and registered means you agree to be liable for any accidents, injuries, and deaths that vehicle may cause because of negligence in operating and maintaining it.

[smalltimer]

bro bogey, ibigay mo na lang kaya yung 2k na hinihingi nila? kasi isipin mo yung psychological effect nito sa inyong mag-asawa (sleepless nights, tension, etc) and in worst cases, yung action na gagawin nitong police daw na father nung girl (iba na trumabaho nag pulis ngayon, kahit inosente ka gagawan ka ng kaso). Ambag ambag na lang kaya tayo fellow tsikoteers?

[claRkEnt]

.
hirap talaga makipag-ayos sa ayaw makipag-ayos! Pero if nakita nila na you wont budge, titigil din yan. They would soon realize na pag di pa nila tinanggap, wala lalo sila makukuha. kasi sa demandahan wala sila panalo, noblotter/police report to hold onto.

legal ba yung accident report na ginawa mo at pinirmahan nya (without notary)?

[Walter]

ALWAYS have a police report made. That is one of your defense. Never pity no matter how the other party pleads, they will be influenced by other parties once they get home.

[mazdamazda]

you have comprehensive insurance to protect you from these sort of things. dapat nga hindi mo kinakausap ung 2nd party. dapat insurance company ang mag settle nyan with them. and also, tell that lady driver that no one should be talking with you or the insurance company than her. sya lang involved, not her father, not her officemates.

Good point.

Let the insurance guys take care of that.

By the way, those are just empty threats. If they are too cheapskate to shoulder for the P2K balance or have their broken down vehicle towed / repaired, chances are that they don't have the capability to file a case against you.

And if they do try to threaten you further... well... try faxing them your company ID and let's see who chickens out first.

[wren]

ALWAYS have a police report made. That is one of your defense. Never pity no matter how the other party pleads, they will be influenced by other parties once they get home.

i learned this from my own experiences too. it's for your own protection. yung mga taong ayaw tumawag ng pulis, most of the time, may tinatago (no insurance, baka hiram lang yung kotse, illegal...US only ). like walter said, no pity, it's actually the right thing to do. also, kung may mga witnesses, write down their names and phone numbers.

[slip-slick]

in lieu of police report, pwede din kayo na lang mag usap. write down the facts of the accident, both drivers info, sketches, note down damages, and lastly, both parties sign the black and white.. that's considered legal document in any court.
pag na tyempuhan nyo gagong police, problema pa yan, baka kumampi yan sa pera, o sa maganda heheh personally, ayoko talaga tumawag pa ng police.

[Bogeyman]

Thanks, guys. :D

No word yet, hindi pa sila tumatawag since Saturday. Naaawa tuloy ako sa misis ko, uminit pa ang ulo kahit birthday niya. Personally, I sometimes wonder whether I'm being unreasonable or downright stubborn. But when I consider everything that's happened, mas desidido akong itayo ang pangalan ko. Besides, even my mother-in-law has expressed her support for me.

I already called the insurance company and requested for a copy of the incident report that I and the other party had accomplished. Just making sure that I have the leverage if it's a confrontation they want. I will also instruct insurance to keep the repair offer open for as long as possible, so that anytime the other party decides that they finally want to avail of the offer, all they have to do is say the word.

Regarding her dad, like I said, I was particularly unimpressed when he introduced himself as a 'captain', even more so because he sounded drunk at such an early hour of the day. Fine, I thought, leave the old man to his delusions. The way I see it, his introduction could only mean three things:

1. Barangay captain
2. Ship captain
3. Captain waiter

And for good measure, I recently learned that I actually have an uncle stationed in Camp Eldridge, Los Baños, Laguna. And he happens to be a colonel. Now, let me clarify that I don't feel particularly comfortable involving either the police or the military in this matter, simply because I think it's inappropriate. However, I suppose her dad will appreciate taking this up with a fellow man in uniform, just so that it becomes clear to him to stay out of situations that don't concern him in any way.

And if it becomes apparent that this moron is merely posturing because he thinks he can spook me, he'll be facing charges of harassment, extortion and usurpation of authority.

in lieu of police report, pwede din kayo na lang mag usap. write down the facts of the accident, both drivers info, sketches, note down damages, and lastly, both parties sign the black and white.. that's considered legal document in any court.

Natumbok mo, and that's *exactly* what I did, which is a requirement for her claim for damages to be processed. She can never accuse me of forcing her to sign away her legal rights, because that document *is* part of those rights, the same ones that she neglected to exercise at the time of the accident.

[slickae92red]

meron bang driver liscense yung babae?

[Bogeyman]

meron bang driver liscense yung babae?

Unfortunately, since she declined to file a police report at the time of the accident, I'll never know.

I spoke with the insurance company a while ago, and they told me that the other party opted to pay for her own repairs, using her preferred shop, and charge the whole thing to experience. She had an opportunity to avail of repairs to her car at no cost to her, and she snubbed it. Her choice, her loss.

But the best part for me is, she's still entitled to avail of the insurance's offer for repairs. Even if I'm no longer a policyholder, it will still be available for her in case she changes her mind. I'm not holding it against her if she wants her own shop to do the repairs, but if I really am legally obligated to shoulder part of the bill, she will have to do immensely better than just saying that she doesn't trust the insurance-accredited shop. Like I said, it's already a matter of personal preference, considering that my insurance company already went out on a limb to give her a ton of extra services.

I'm actually thinking of calling her office to demand that they provide her with a car plan (with comprehensive insurance coverage of course), so that she would no longer have to endanger both herself and other people on the road with such a rickety old automobile.

[slickae92red]

napakabait mong tao sir.
saludo ako sayo.

[redorange]

So she elected to pay for everything herself? She could have had her shop make the repairs and had your insurance pay for whatever amount they offered and paid the difference out of pocket.

Bogeyman, in the future (hopefully this is your last accident) you should ask to see her license, registration, and proof of insurance(if she has one) and write down those information regardless of whether you call the police or not. Maybe she didnt even have a license that's why she was in a hurry to leave and not call the police.

[HIFI]

I'm actually thinking of calling her office to demand that they provide her with a car plan (with comprehensive insurance coverage of course), so that she would no longer have to endanger both herself and other people on the road with such a rickety old automobile.

Glad to know it's finally settled. Let it go na and put it behind you.

[Bogeyman]

napakabait mong tao sir.
saludo ako sayo.

Naku, hindi po. Dapat lang nating panagutan kung nakapinsala tayo sa iba, sinasadya man o hindi, pero huwag naman sanang abusuhin ang pananagutang iyon.

Bogeyman, in the future (hopefully this is your last accident) you should ask to see her license, registration, and proof of insurance(if she has one) and write down those information regardless of whether you call the police or not. Maybe she didnt even have a license that's why she was in a hurry to leave and not call the police.

Duly noted, and thanks. I guess I was overly concerned with her general well-being at the time, which caused me to overlook certain procedures in the process. In spite of her car's age, I really think she should consider reapplying for auto insurance, just for her own peace of mind. I even said as much to her the very next day. (sigh)

[MAXBUWAYA]

well swerte sya ginawa mo obliugation mo. kung jeep yan kamot ulo na lang.

at walang police report?

saihin mo na lang take it or leave it.

Or magdemanda na lang kamo sya

teka, Maganda ba yung babae?

[dfa172001]

bayaran mo na lang yung 2k, ano ba naman yung 2k, pera lang yan, kung palagi ka naman makukunsumi. mamaya sa kaiisip mo, kung ano pa mangyari, mas malaki gastos di ba? ako nga 20k ang nawala sa akin last year, dahil sa naging problema ko, pero di ko na inisip yun, charge to experience na lang.