Some question regarding part replacement cost and insurance

[TendouRyuu]

Hi,

I own a 2 weeks old Accent. I bought it for the convenience of not commuting since I travel a lot. I don't drive yet because I haven't had the chance to go to a driving school. I have my personal driver that drives me whenever I go. Now my cousin (almost like my brother) is learning how to drive with my driver. Unfortunately He thought he is good enough and can drive solo on short travel, he sneak the car in the evening. He got into an accident and slam the car to a post. Luckily he is safe.

The bumper, right Fender is broken. Including the plastic glass on the right headlight. Only fix is to replace it. So i thought of the insurance so I called my agent and explain everything to her. She mentions that the case will be hard to get approved and suggested an option. That is for me pretend that I was the one who crashed the car and asked for driver's license. Now I don't have one and running out option it will take a month for me to get one as I have to get student permit first.

The damage is big that I can pretty much guess it will cost a lot of money.

I was thinking of finding a talyer/car repair shop to lessen the cost.

Can anyone advise me on what possible action I can do.

Thanks in advance.

PS: currently at work so don't have photos.

[_Cathy_]

Since the damage is big, you better use your insurance.

Is it correct that your cousin who wrecked your car does not have a license?!?

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[TendouRyuu]

Thanks for the response.

He have one but only for motorcycle.

I'm really lost now since it's new.

If I can file my insurance claim after I got my driver's license that will be great but I'm not sure if it will get approve.

[cast_no_shadow]

Ideally denied claim yan since wala DL yung driver.

2nd if kukuha ka naman ng DL then file ng claim FRAUD naman yan since you will be altering the date of accident or if not and date will be as is denied again since makikita newly acquired license mo. Wala ka pa license sa date ng accident.

Makakalusot? Yes pero kunsensiya mo na yan.

Lesson learned yan bro.


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[TendouRyuu]

Yes I understand that. To be honest my driver suggested to use his name as the one to crashed it.

Buy I'm not sure if the insurance company will need my own driver's license as the owner of the car.

So the only option is to shell out some money to fix it? Any idea how much will be the cost?

[cast_no_shadow]

Yes I understand that. To be honest my driver suggested to use his name as the one to crashed it.

Buy I'm not sure if the insurance company will need my own driver's license as the owner of the car.

So the only option is to shell out some money to fix it? Any idea how much will be the cost?

Yun naman pala eh. Then akuin na ni driver mo.

No they will not ask for your license, people can own a car and have it insured too kahit wala silang DL like in your case.


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[TendouRyuu]

That's the plan but my agent keep insisting it will be denied since he have a Pro DL.

Thanks for the input cast_no_shadow it really helped.

I guess better try it and see what will happen.

[cast_no_shadow]

That's the plan but my agent keep insisting it will be denied since he have a Pro DL.

Thanks for the input cast_no_shadow it really helped.

I guess better try it and see what will happen.

Naka PRO DL ako and this year naka 2 claim na ako, on my 3rd next month.

Walang problem dyan, wag lang mahuli na fraudulent claim hehe


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[TendouRyuu]

Do you talk to you agent? or just process the claim yourself?

Any pointers not sure how kasi kaya tinawagan ko ahente ko.

Thanks

[abongon65]

No problem if Pro. License, pagawan nyo na po ng police report and wag nyo na pag kwento kwento ang ngyari kasi baka makarating pa sa insurance company.

[dr. d]

if i recall right, the insurance will honor coverage of any accident for as long as the person driving it at that time has a valid license, and that he was authorized by the planholder to drive the car.

[_Cathy_]

That's the plan but my agent keep insisting it will be denied since he have a Pro DL.

Thanks for the input cast_no_shadow it really helped.

I guess better try it and see what will happen.

That's ridiculous. It shouldn't matter if you have a pro or non-pro license. My brother had a pro license and that was not an issue.

Maybe the agent is giving you a hard time because technically you are really supposed to be denied the claim.

You shouldn't have told you agent the real story

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[jodski]

Naikwento mo na pala eh kaya for sure denied na yan...

Charge to experience na lang and have it repaired sa talyer... kuhanan mo rin ng pambayad yung driver na nagtakas ng car para lesson learned for him.

He has to man up and ne responsible for his actions

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[Walter]

Silly of you to tell the story to your insurance broker ... you could've asked here first ... almost like a brother but then steals your car to go out for a joyride

[cast_no_shadow]

I think TS is referring sa SA niya sa casa? Tama ba?

Ganyan din ako nung newbie everything I think is concern ng SA hehe

Nabentahan ka na, tapos na role niya sayo.

Pero if insurance agent nga yan eh aba tapos na nga ang claim mo


Complete the requirements, ipasa sa insurance.


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[TendouRyuu]

He is a freelance agent from any car dealer, not directly from insurance company. He is a HS classmate of mine. So first thought to asked help from him.

I asked several acquaintances and they told me it is okay as long as the one who damaged the car have a DL.

Ask ko na lang since don't know how pa ko. Dalhin ko ba yung sasakyan sa casa kung san ko nakuha sasakyan ko then sila na magfile na claim?

Thanks for replies btw.

[_Cathy_]

In my case I submitted all the requirements to the casa since my insurance is in house.

I gave them my affidavit (own damage) and copy of my driver's license and insurance. Then they took pictures of the damage.

My agent called me when my LOA was ready and that was when I brought my car to the casa.

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[cast_no_shadow]

In my case I submitted all the requirements to the casa since my insurance is in house.

I gave them my affidavit (own damage) and copy of my driver's license and insurance. Then they took pictures of the damage.

My agent called me when my LOA was ready and that was when I brought my car to the casa.

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Sarap pag in-house, wala na middleman

in my case pasa kay BDOI, BDOI pasa kay Prudential, Prudential feedbacks kay BDOI then BDOI to me

TS

inhouse ba insurance mo?

[red_one]

*TS: Eto nakalagay sa paper ko. I think standard naman ito sa lahat ng car insurance.

AUTHORIZED DRIVER:

Any of the following:
(a.) the insured
(b.) Any person driving on the Insured's order or with his permission

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[_Cathy_]

TS can you show us the pictures of the damage?

Also I hope your cousin pays for it.

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