Quote Originally Posted by holdencaulfield View Post
1. may commotion sa harap ng bahay ko noon. may nakapark na closed van sa tapat ng very old house. yung alulod na nakasampay bumagsak sa van nung humangin. nadamage yung closed van, humihingi ng pambayad sa caretakers ng bahay na mga boy lang at walang pang-abot dahil nasa tate na yung may-ari at nga decades ng wala.
Dito papasok ung AOG, malas lang kung hindi comprehensive ang insurance, but still kung sa tao tumama ung alulod pwede maghabol ung tao sa owner ng haws, dahil unsafe ung haws nya at hazard to life. So next question, iba ba ang coverage ng car sa tao?

Sample lang po itong sa ibaba, note hindi po ako lawyer.


THE NATIONAL BUILDING CODE OF THE PHILIPPINES - CHAN ROBLES VIRTUAL LAW LIBRARY
National Building Code of the Philippines

SECTION 1.01.08: Dangerous and Ruinous Buildings or Structures

(b) Dangerous Buildings Defined. - Dangerous buildings are those which are structurally unsafe or not provided with safe egrees, or which constitute a fire hazard, or are otherwise dangerous to human life, or which in relation to existing use constitute a hazard to safety or health or public welfare, by reason of inadequate maintenance, dilapidation, obsolescence, fire hazard, or abandonment; or which otherwise contribute to the pollution of the site or the community to an intolerable degree. Any building or structure which has any or all of the conditions or defects hereinafter described, or conditions or defects similar thereto, shall be deemed to be dangerous building: Provided, That such conditions or defect exists to the extent that the life, health, property, or safety of the public or its occupant are endangered:


Balik ulit sa question na, iba ba ang coverage ng car sa tao? Technically hindi dapat, pero ang damage to property ay mas madali i-settle using your car insurance, one time payment, while ung compensation sa tao takes into consideration ung hospitalization at loss of income depends on the description of the court.




Quote Originally Posted by holdencaulfield View Post
2. may g*gong nakapark sa harap ng garahe ko. talagang iniwan ng mga katulong yung gate na nakabukas dahil inaantay yung basurero para makuha yung basura namin sa loob. di sinasadya humangin, humampas yung gate sa body nung sasakyan. galit yung may-ari hinahanap yung nagbukas nung gate. pinapanood ko lang at wala akong pakialam sa kat*ngahan niya.
3 ung pwedeng scenario dito:
1st. sinadya ng driver mag park malapit sa gate mo in the intention ma-damage ung car nya pag nag open ung gate mo.
2nd. sinadya ng katulong mo na madamage ung car na naka park kasi naiinis sha at masyadong malapit ang pagkaka-park
3rd. AOG

1st at 2nd scenario kailangan ma-prove na intentional,
ung 3rd ang pinakamadali so balik lang yan sa insurance claim, kaya it pays to have compre insurance.