Park, Hit & Run

[mazdamazda]

Shef!!!

May bumangga sa Rav4 ko habang naka park dito sa Galleria. Yung J series grille eh medyo na kupi paloob tapos may malalim na gash yung hood. Sa tingin ko pickup or light truck ang bumangga!!!

Claimable ba ang ganitong scenario sa insurance??? Medyo dehado nga rin at P9,000 ang participation fee ko.

[bardigones]

report mo sa security?

[rukawa]

Na pass ba yung law na accountable ang mall owners in that scenario? i think its rene cayetano's bill before, di ko lang sure kung nag pass, kse kung oo dapat accountable yung mall, what's the security guard for we are paying

[wrecker]

bad trip talaga yung ganyan.

i posted here a similar incident that involved my EK about a month back. sa ATC naman nangyari.

mas grabe nga lang yung sa yo.

damn people who doesn't take responsibility for their actions. no sense of decency.

[RedHorse]

Originally posted by rukawa
Na pass ba yung law na accountable ang mall owners in that scenario? i think its rene cayetano's bill before, di ko lang sure kung nag pass, kse kung oo dapat accountable yung mall, what's the security guard for we are paying

sana buhayin ang bill na iyan ng anak nya.

mazdamazda,

claimable yan, just forgot the term.. masakit din yang 9 thou na participation, para ka nang nakabili ng ref or marine engine, or a korean 38 revolver

[ian_rex]

i extend my condolonces. ganyan talaga e. next time, park ka na lang sa mas safe na lugar...

[mgbrillo]

nangyari sa akin yan.. sa podium naman. mabait naman yung guard na pinag-reportan ko..pero wlang nangyari.. if you can claim that (kaya lang madugo ang participation charges mo), pwedeng tumulong yung guards at isama sa pag-report, acting as witness (i dunno how they would act as witness, eh di naman nakita kung sinong naka-dale sa auto mo)... so.. hanggang dun lang ata yun.

[zero]

nangyari sa aken yan dati sa megamall naman.
affidavit lang ang hiningi ng insurance kasi walang police report.

wala tayong laban sa mga pay parking. nakasaad sa parking ticket ksi na wala silang pananagutan sa damages or loss sa vehicle mo.

[boybi]

pwede mo i-claim yan sa insurance, own damage ang tawag dyan. kausapin mo nalang yung gagawa para ma-compensate ang participation mo.

[doublea]

You can claim that to Insurance, not necessarily own damaged kasi Hit and Run and nangyari. It would help kung may Guard report. Pero kahit na wala, may portion na may sa Insurance claim where you can narate what happened. May mga disclaimer din ang Mall parking that they are not resposible for any damage, etc. We are paying the parking for just the space and it is the sad truth. Medyo malaki nga ang participation mo dahil your RAV4 will fall into a luxury car. The best you can do is file Insurance Claim then Cash basis mo na lang para ikaw na lang maghanap ng shop na pwede mong tawaran to the amount na hindi malaki ang dagdag mo.

[the_wildthing]

Kung ilalaban sa korte, kahit ano pang sinulat nila sa parking ticket, they are still liable because they are collecting payment. Kung libre, wala. Kaya lang hassle makipaglaban sa korte...baka ibasura pa.

[revoGSX]

condolence sa nangyari.. medyo nakak-stress mga ganyan pero wala na tayo habol pag hit and run..

sa insurance ang alam ko eh passenger car at commercial vehicle na category.. luxury car na ba category pag above 1M ang sasakyan?

i think you can request the insurance company that you want to pay the passenger car rate para mas mura participation (0.5 percent).. mas mahal nga lang annual fee..

[doublea]

I think, mas mahal ang Passenger car since it is more exposed to accidents and passengers are always included in the Premium. Your premium will be calculated based on the Fair market Value of the car. Above 900,000 I think is already a luxury type vehicle. Still depending on Insurance company.

For an ordinary sedan car and with less than 4 years old, the participation is 2000 fixed. But if it more than 4 years old, 2000 + 25% of the cost damage. The older the car the higher the participation costs.

[HBOY]

you can claim that as a hit and run.. just provide the necessary papers stating the story of what transpired.. better if you have a report by the mall guard....

problema.. pag nagclaim ka.. the next year.. your premium will go up.

[boybi]

Originally posted by doublea
For an ordinary sedan car and with less than 4 years old, the participation is 2000 fixed. But if it more than 4 years old, 2000 + 25% of the cost damage. The older the car the higher the participation costs.

nope. the participation for passenger cars is 0.5% of the insured amount and for commercial vehicles, its 1.0% of the insured amount.

for older cars, 5 yrs and older, it's participation fee + the depreciated cost of parts replaced.

[pajerokid]

John, you can definitely claim it from the insurance people. Just get a report from RLC and file a matching affidavit.



....... if they do replace your grille, can i have the old one?

[dx8976]

Originally posted by boybi
nope. the participation for passenger cars is 0.5% of the insured amount and for commercial vehicles, its 1.0% of the insured amount.

for older cars, 5 yrs and older, it's participation fee + the depreciated cost of parts replaced.

minimum ba yan participation? pwede ba mas malaki, para mas mababa premium?

[konde]

puede claim sa insurance yan. kaya lang tulak ka pa rin 9k. ipa blotter mo lang sa pulis na hit and run, ok na sa insurance yan.

[boybi]

Originally posted by dx8976
minimum ba yan participation? pwede ba mas malaki, para mas mababa premium?

that is the maximum participation.

[mazdamazda]

Originally posted by pajerokid
....... if they do replace your grille, can i have the old one?

hoy... iba pa ang binabalak mo! hehehe..

update lang...

ang nakabunggo sa akin ay isang delivery truck... bumuwelo para maka park...

buti na lang may naka kita na taga dito rin - kaya ayun - na report sa guard. kaya ayun - may incident report na ako.

sabi daw ng trucking company - sagutin daw ng insurance... tingnan na lang natin...

pina estimate ko na kanina... mga 22K!