Pano pag nabunggo ka, pero matagal ng may bunggo yung sasakyan mo. Sisingilin mo pa ba ng participation?

[Ser Chief]

Tama lang ba gawin yun?

[dr. d]

Tama lang ba gawin yun?

it is only fair that you ask for the nambunggo's participation in having your car fixed.

[StockEngine]

[oj88]

Technically, insurance fraud yung mag-settle kayong dalawa para hingin sa nakabangga yung participation fee mo. Dapat, merong police report at managot yung nakabangga sa insurance. Although, magbabayad ka pa rin ng participation fee galing sa sarili mong bulsa.

[CVT]

Technically, insurance fraud yung mag-settle kayong dalawa para hingin sa nakabangga yung participation fee mo. Dapat, merong police report at managot yung nakabangga sa insurance. Although, magbabayad ka pa rin ng participation fee galing sa sarili mong bulsa.

In reality, the offending party won't agree to either option, and the police report would be vague or inaccurate. And so, you're just left to fend for yourself...

[oj88]

In reality, the offending party won't agree to either option, and the police report would be vague or inaccurate. And so, you're just left to fend for yourself...

Hindi naman, based on my experience. May naka-sagi sa akin na motor.... police report + affidavit + copy ng license and registration ng naka-bangga, and I gave everything to my insurance. Sila na nag-habol and out of the loop na ako.

It's only fair that the insurance company get their share... you gotta throw them a bone. If you simply claim it against own damage, malaki chance na tumaas or di ka bigyan ng discount come renewal time ng premium mo.

[yebo]

Few years ago may nagpabanga sa akin. Pilit nya na isingit yung car nya sa harapan ko. Puro banga na kotse nya all around. Pinili niya ako kasi bago pa sure na may insurance. Di ako pumayag na ipasok sa insurance ko. And i made sure sa police report na nakalagay ako nasa lane at siya yung sumingit.

Months later tumawag insurance niya sa akin sinisingil ako ng 24k. Asa pa. Sabi ko see you in court. I did not hear from them again.

I don't think it is fair na singilin mo ng participation kung ang nabangga ay dati nang may bangga, unless may talagang additional damage like damage to a pillar or chasis. Or naging inoperative ang door or windows, etc.

[Ry_Tower]

I don't think it is fair na singilin mo ng participation kung ang nabangga ay dati nang may bangga, unless may talagang additional damage like damage to a pillar or chasis. Or naging inoperative ang door or windows, etc.

Agree on this one. Tawag dyan damage without injury kasi dati na rin naman may bangga. Unless nga may addt'l na obvious at talaga namang nagpalala ng dating damage.

[Sleepcare]

Hindi ko alam kung applicable eto sa situation pero dati nakasabit ako ng card dispenser (left front bumper) pero hindi ako nag-claim kasi wala naman nadamage sa card dispenser tapos a few months after, nasabitan yung right front bumper ko. Sila yung nag-claim ng OD sa insurance nila. Pinadala lang yung sasakyan sa casa for the repainting ng whole bumper na wala akong binayaran na participation fee.

[SidCoronel]

Technically, insurance fraud yung mag-settle kayong dalawa para hingin sa nakabangga yung participation fee mo. Dapat, merong police report at managot yung nakabangga sa insurance. Although, magbabayad ka pa rin ng participation fee galing sa sarili mong bulsa.

Alas! An honest man.

I am with you on this 1000%

IF you receive money from someone else, for whatever intent and purpose you can possibly think of... It is already a SETTLEMENT... So you SHOULD NOT... Claim against your insurance anymore. Else, it's FRAUDULENT... Even if you did not know.

Sabi nga ni Atty. Singson... Ignorance of the law excuses no one.

[WallyWest]

I'm glad I read this. Halos lahat pa naman ang pinapayo sa mga forum at fb group e singilin ng participation at i-claim as own damage sa insurance.

[Gumusut_Amige]

Hindi naman, based on my experience. May naka-sagi sa akin na motor.... police report + affidavit + copy ng license and registration ng naka-bangga, and I gave everything to my insurance. Sila na nag-habol and out of the loop na ako.

It's only fair that the insurance company get their share... you gotta throw them a bone. If you simply claim it against own damage, malaki chance na tumaas or di ka bigyan ng discount come renewal time ng premium mo.

iba naman yung sa akin noon... agreed na kami sa police report na sasagutin lahat ng nakabangga ang cost ng repair sa casa. humingi ako ng down payment para maumpisahan yung repair at nagbigay naman pero cheque lang.
bago ko ipalit yung cheque na binigay ay tumawag muna ako sa nakabangga, sabi sa akin cash na lang daw ang ibibigay.
pumayag ako tapos ang inutusan na lang ay yung katulong nila dala ang 25k cash as down payment daw (total damage =57k). sensing something wrong... kinuha ko yung cash at hindi ko ibinigay ang cheque. afterwards, tumawag ako sa aking insurance giving them all the police report, 25k cash at "talbog na cheque" at sabi ko bahala na kayo maghabol sa nakabangga sa akin.
hindi na ako siningil ng participation ng aking insurance at wala din akong balita sa nakabangga sa akin kung hinabol nila o hindi.

[sirkosero]

it is only fair that you ask for the nambunggo's participation in having your car fixed.

Doc, remember the thread were the TS was hit and he asked for participation then came clean with his insurance (commonwealth). His claim was denied because he took settlement money in for of participation

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[dr. d]

Doc, remember the thread were the TS was hit and he asked for participation then came clean with his insurance (commonwealth). His claim was denied because he took settlement money in for of participation

Sent from my MI MAX 2 using Tapatalk

i remember.
"don't make a deal with the bump-er, that may conceivably tie the insurer's hands."

my greedy little heart was actually thinking of a non-documented transaction.