2014 Honda City (Gen 4)

**cast_no_shadow** · January 28th, 2020 08:53 AM

Sad thing nabangga ako last week, sandwiched kaya harap and likod ang damage.

Nakahinto ako traffic, yung nasa likod ko suddenly binangga na lang ako bigla. Mitsubishi Adventure driver is senior citizen Grab siya.

Sa lakas natumbok ko naman yung Montero sa harapan ko.

Hindi naman na nag alibi or dahilan yung nasa likod ko, kasalanan daw niya. Gladly walang nasaktan sa incident.

Punta kame presinto, police report / documentation etc

Yun lang ako ang talo sa nangyari, si Adventure insisting insurance niya gamitin at hindi daw siya magbabayad ng anything.

Car is already 5 years kaya kung sa Casa gagawin may depreciation for every parts to be replaced.

I just filed the claim sa insurance ko, awaiting ano options ko. Estimated quote is 280K (probably bloated ito) yun din naman sabi nung Casa saken disregard ko lang daw muna quotation nila.

Disregard kako eh may share ako sa depreciation [emoji23]

I highly doubt magbayad ng anything yung Adventure saken, firm siya na only he can offer eh ifile sa insurance niya.

Sabi nung Pulis if hindi kami magkasundo kasuhan ko daw.

Sa bagal ng proseso dito eh aba parang ayoko na din.

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**dr. d** · January 28th, 2020 09:20 AM

Originally Posted by cast_no_shadow

Sad thing nabangga ako last week, sandwiched kaya harap and likod ang damage.

Nakahinto ako traffic, yung nasa likod ko suddenly binangga na lang ako bigla. Mitsubishi Adventure driver is senior citizen Grab siya.

Sa lakas natumbok ko naman yung Montero sa harapan ko.

Hindi naman na nag alibi or dahilan yung nasa likod ko, kasalanan daw niya. Gladly walang nasaktan sa incident.

Punta kame presinto, police report / documentation etc

Yun lang ako ang talo sa nangyari, si Adventure insisting insurance niya gamitin at hindi daw siya magbabayad ng anything.

Car is already 5 years kaya kung sa Casa gagawin may depreciation for every parts to be replaced.

I just filed the claim sa insurance ko, awaiting ano options ko. Estimated quote is 280K (probably bloated ito) yun din naman sabi nung Casa saken disregard ko lang daw muna quotation nila.

Disregard kako eh may share ako sa depreciation [emoji23]

I highly doubt magbayad ng anything yung Adventure saken, firm siya na only he can offer eh ifile sa insurance niya.

Sabi nung Pulis if hindi kami magkasundo kasuhan ko daw.

Sa bagal ng proseso dito eh aba parang ayoko na din.

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aren't these events what insurance is for?
so what is your insurance going to shoulder?

**cast_no_shadow** · January 28th, 2020 09:24 AM

Originally Posted by dr. d

so what is your insurance going to shoulder?

Assumptions:

1. Casa repair = casa will shoulder 100% labor and 70% of parts

30% chargeable to me (depreciation)

2. Accredited shops = casa will shoulder everything (surplus parts as replacement)

Hahabulin nga ba ni Insurance ko yung bumangga saken?

Saklap sa pakiramdam na sorry na lang nakuha ko from him hehe

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**Tha_Mann** · January 28th, 2020 09:32 AM

Originally Posted by cast_no_shadow

Sad thing nabangga ako last week, sandwiched kaya harap and likod ang damage.

Nakahinto ako traffic, yung nasa likod ko suddenly binangga na lang ako bigla. Mitsubishi Adventure driver is senior citizen Grab siya.

Sa lakas natumbok ko naman yung Montero sa harapan ko.

Hindi naman na nag alibi or dahilan yung nasa likod ko, kasalanan daw niya. Gladly walang nasaktan sa incident.

Punta kame presinto, police report / documentation etc

Yun lang ako ang talo sa nangyari, si Adventure insisting insurance niya gamitin at hindi daw siya magbabayad ng anything.

Car is already 5 years kaya kung sa Casa gagawin may depreciation for every parts to be replaced.

I just filed the claim sa insurance ko, awaiting ano options ko. Estimated quote is 280K (probably bloated ito) yun din naman sabi nung Casa saken disregard ko lang daw muna quotation nila.

Disregard kako eh may share ako sa depreciation [emoji23]

I highly doubt magbayad ng anything yung Adventure saken, firm siya na only he can offer eh ifile sa insurance niya.

Sabi nung Pulis if hindi kami magkasundo kasuhan ko daw.

Sa bagal ng proseso dito eh aba parang ayoko na din.

Sent from my iPhone using Tapatalk

awww. sorry to hear that bro.

kung insurance mo ang gagamitin, pagkaka alam ko eh sila din bahala humabol or maningil sa naka bangga sayo. basta 'wag lang kayo magkakaruon ng agreement or settlement na wala na sya pananagutan sayo.

**cast_no_shadow** · January 28th, 2020 09:35 AM

Originally Posted by Tha_Mann

awww. sorry to hear that bro.

kung insurance mo ang gagamitin, pagkaka alam ko eh sila din bahala humabol or maningil sa naka bangga sayo. basta 'wag lang kayo magkakaruon ng agreement or settlement na wala na sya pananagutan sayo.

Yes bro aware din naman ako, walang ganun na usapan.

Tried telling him I claim it on my own, pero shoulder niya depreciation kaso ayaw talaga niya.

Mapilit sa kanya ko daw ifile, hindi na kako ano yun at the mercy niya ako at nung insurance niya? Mahirap mangulit at mag follow up added layer lang siya.

To think yung hassle at abala na mawalan ka ng oto, mag asikaso ng repair ang hirap i-compute nun kako

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**17Sphynx17** · January 28th, 2020 09:39 AM

Originally Posted by cast_no_shadow

Assumptions:

1. Casa repair = casa will shoulder 100% labor and 70% of parts

30% chargeable to me (depreciation)

2. Accredited shops = casa will shoulder everything (surplus parts as replacement)

Hahabulin nga ba ni Insurance ko yung bumangga saken?

Saklap sa pakiramdam na sorry na lang nakuha ko from him hehe

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Sa case na ito na may insurance din yung nakabangga sa iyo, diba dapat insurance will be the one to deal with their insurance to cover all the costs of repairs so that you have no money out?

In the case of my brother on a 4 year old car, rear ended by driver who feel asleep at the wheel. Their insurance will have the car repaired and my brother will just submit a quit claim with his insurance so that there is no double claim. The repair works are going to be done by accredited casa/dealership of their insurance, so ends up dinala sa Toyota Cubao.

Yung nakabangga sa kanya, Mercantile yung insurance.

Kind of find it odd na no fault ka tapos may money out ka pa din to repair the damage dealt by the careless driver at fault. Siya pa may gana magdemand ng terms.

Did the police report also state that it was the adventure's fault? As in umamin siya sa report?

**dr. d** · January 28th, 2020 09:42 AM

Originally Posted by cast_no_shadow

Hahabulin nga ba ni Insurance ko yung bumangga saken?

maybe.
maybe not.
i wouldn't brood about it, if i were me.
that is what insurance is for: so we don't concern ourselves about it.

**cast_no_shadow** · January 28th, 2020 09:42 AM

Originally Posted by 17Sphynx17

Sa case na ito na may insurance din yung nakabangga sa iyo, diba dapat insurance will be the one to deal with their insurance to cover all the costs of repairs so that you have no money out?

In the case of my brother on a 4 year old car, rear ended by driver who feel asleep at the wheel. Their insurance will have the car repaired and my brother will just submit a quit claim with his insurance so that there is no double claim. The repair works are going to be done by accredited casa/dealership of their insurance, so ends up dinala sa Toyota Cubao.

Yung nakabangga sa kanya, Mercantile yung insurance.

Kind of find it odd na no fault ka tapos may money out ka pa din to repair the damage dealt by the carless driver.

Did the police report also state that it was the adventure's fault? As in umamin siya sa report?

Assumption ko lang yun mga nabanggit ko, wala pa feedback si Insurance ko sakin.

I do hope same case mangyari sakin like what happened sa brother mo.

Issue lang naman kasi yung depreciation if sa Casa gagawin, kaya okay na ako if sa accredited shop na lang gawin para participation na lang babayadan ko.

Yes sa police report klaro na kasalanan niya, he signed it naman din.

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**cast_no_shadow** · January 28th, 2020 09:43 AM

Dapat ata sa Insurance thread ako nagpost hahaha

Sorry na hijack ko itong City thread [emoji3577]

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**cast_no_shadow** · January 28th, 2020 09:45 AM

Originally Posted by dr. d

maybe.
maybe not.
i wouldn't brood about it, if i were me.
that is what insurance is for: so we don't concern ourselves about it.

Yup. Pero mapapaisip ka pa din, kaya minsan walang lesson sa ibang drivers kase they can get away scot free (sinadya man or hindi yung incident)

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