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October 18th, 2017 03:48 PM #7281
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October 20th, 2017 08:24 PM #7282Good Day mga kaGM6
Anu po usual or common steps for claiming insurance? (Own damage, see details below)
May maliit kasi ako paint dent and chip sa door panel.
May bwisit na Motorcycle Rider kasi nag shortcut sa divider ng highway, hindi ko alam yung term dun, pero bakal and cement sya na nilalagay sa gitna ng highway parang divider. Tapos nakahilera sila and may tali.
May motorcycle rider na lumusot dun nasagi nya yung tali, natumba ng sunod sunod yung mga divider, tinamaan yung driver door ko. Total of three vehicles tinamaan. (Woooh!!!!)
Hindi ko nakuhaan ng plate kasi nakaharap yung motor nung natumba din sya and nagmadali syang umalis. (Yes, hit and run. I tried to keep calm na din, kasama ko pregnant wife ko.)
Police report is applicable if yung claim ay may 3rd party involved diba? Pero technically parang Own Damage nalang magagawa ko, kasi natakasan kami.
If ipapasok ko sya as Own Damage nalang siguro, paano process?
Should I bring it directly sa CASA? In-house pala yung Insurance ko, kasi sabi ng nakararami less headache daw. Sila na po ba bahala nun basta dalhin ko yung sasakyan?
Nachipped yung paint eh, if dent lang sana kahit sa labas ko na ipagawa.
Thanks in advance sa sasagot.
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October 20th, 2017 09:02 PM #7283
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October 20th, 2017 09:34 PM #7285
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October 20th, 2017 10:09 PM #7286Step 1: dalhin mo sa dealer/casa yung unit, hanapin mo BRP unit. A service assessor will be assigned to your case. Kwento mo nangyari tapos pagawa ka ng estimate. Kung ang estimate is equal or less than the deductible (a.k.a. participation fee) stated in your insurance policy... mas mabuti pa na tiisin mo na lang muna yung damage. If the estimate is greater than the deductible, then proceed to step 2.
Step 2: prepare the following documents and submit mo sa casa.
- notarised affidavit: kwento mo dito yung incident: location, date/time, etc., emphasising hit and run yung nangyari
- photocopy of your drivers license (i’m assuming the name is under your name and ikaw yung driver during the incident)
- original copy of the insurance policy
- estimate from the BRP (from step 1)
Note: police report is not necessary
Step 2.1: Since you’re already in the casa, pay the customer service officer a visit. Pa-cute ka ng konti... pakilala ka, tell about your case. Mention the name of the service assessor who’s handling your case. GET HER NUMBER, both company number and personal number. Pati messenger, viber, etc. If in case babalik ka ulit sa casa, bring something for the customer service, like cookies, chips, etc. Konti lang, yung kayang ibulsa.
Step 3: The casa will file the claim to the insurance company (btw, from what insurance company is your policy?)
Step 4: Wait for the LOA to be issued by the insurance company to BRP/casa. It should only take 1 to 2 weeks. Expect a call from the insurance company... they will call you to confirm your claim and to ask for additional details. Don’t forget to ask the name of the insurance rep and his/her contact details.
Step 5: After 3 working days, call the service assessor to verify if they already filed your claim. Ask for the date the claim was filed.
Step 5.1: After 1 week, make follow ups: call your service assessor daily until lumabas yung LOA. If di ka sinasagot or di mo makontak, call the Customer Service officer... siya kulitin mo. The customer service should make way na makausap mo yung service assessor. (This is the reason why there’s step 2.1).
Step 5.2: After receiving a call from the insurance rep, pwede ka na din mag-follow up sa kanya.
Step 6: The insurance company will issue LOA to casa. At this point, the service assessor will tell you if you can already bring your car in (“unit in”schedule). Assuming walang bibilhing parts, the unit in can be the same day the LOA was issued.
Step 7: Bring your unit in for repair. Again, don’t forget to bring something for the customer service (not unless you already brought her out for a date).
So now, how will you gauge if the process is taking too long? Kapag syota mo na yung customer service pero di mo pa din naipapasok yung unit mo for repair, it means sobrang bagal ng processing!
HTH
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October 20th, 2017 10:47 PM #7287
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October 20th, 2017 11:22 PM #7288
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October 20th, 2017 11:23 PM #7289
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October 21st, 2017 09:20 AM #7290
*kabute13
Hahaha tama bro, I've learned it the hard way. Tsaka kahit gaano ka kaingat, iba talaga dadale sa sasakyan mo. If sana naging medyo mabait lang yung naka hit and run, kahit tinulungan nya lang ako itabi yung pole/bakal na divider na yun, mas magaan sana sa loob. But he didn't, after ko mag turn on ng hazard, he fled like a bird haha.
Standard Insurance Co. Inc. In-house provided ng dealer ko kinuha, kasi para sana if may case na ganito, mas magaan or madali compared sa ako nag hanap ng insurance.
Pero based sa mga steps na provided mo, sadyang matagal talaga regardless if in house man yan or self provided insurance hehe
*romansaspesyal
Medyo masakit talaga sa mata bro pahaba kasi, tapos sa bandang baba may tama din pala sya, this morning ko lang nakita, may mga dimples and lines din. Dalhin ko nalang sa casa this afternoon.
Inadvise din kasi ako ng Dad ko na if konti lang daw talaga difference ng estimate sa casa wag ko na ipasok sa insurance kasi matagal nga daw at tataas pa premium.
Balak ko pa man din pa detail today yung tsikot ko. Medyo madami na kasi swirls, and watermarks naman sa glass.
Weeeh! Nadagdagan nanaman ang mga makasalanan na motorcycle riders sa mundo.
see my pahabol statement above. i mean, i can go on vacation anytime. but my spouse has her...
Traffic!