What Are You Thinking About?

[Deestone]

that the "guilty" party pays for the participation fee of the victim, is but fair.
it is only common sense, and should not to be interpreted as a quit claim.

Is there a rule that the guilty party pays for the participation fee? It is just my own knowledge that I must pay the participation fee because I'm the one who is insured with my car.

[H1Tman]

Is there a rule that the guilty party pays for the participation fee? It is just my own knowledge that I must pay the participation fee because I'm the one who is insured with my car.

AFAIK the "guilty" party should pay for everything. Using your insurance will increase your premium for the next year di ba. And what if walang insurance yung aggrieved party?

[sean-archer]

AFAIK the "guilty" party should pay for everything. Using your insurance will increase your premium for the next year di ba. And what if walang insurance yung aggrieved party?

May limit ang ilalabas ng insurance company per year Diba? What if in the future ikaw naman ang at fault and you need to use your insurance again before you even renewed. Baka lumampas na sa limit.

Hindi ba pwede na participation fee and Yung premium ang babayaran ng at fault?

[_Cathy_]

I don't really like kids but there are few instances when I wish a kid were mine LOL!

I just met a kid (maybe 9 or 10) that lives near our home, he usually bikes at 5 pm but he changed it to 4 pm, which is when I take fat lab for a walk. Good afternoon, complimented fat lab, introduced himself, asked my fat labs name, her breed and NEVER touched fat lab. He told me where he lives and told me to be careful not to let fat lab poop on the grass hahaha! He said goodbye din. The kid has impeccable manners (alam yung proper flow ng introduction and respectful not to pet fat lab without permission) Nakakatuwa!

Next day I saw him again and he was with his sister so he introduced his Ate to me. Fat lab pooped pa and I told him I will pick it up. lol. Sana pag nagka anak ako ganun, can initiate conversations with adults and polite, nakakatuwa Anyway, that's a new neighbor to add to my list na papadalhan ko ng food

BTW, my Mom is always so proud na I was well behaved at never ako nakabasag sa bahay (tadtad ng all sized jars at babasagin bahay namin) Though I did embarrass my parents a lot sa mall if they won't buy me what I want, so I am not exactly a dream child LOL

[shadow]

Hinde totoo yan na insursnce will increase the next year pag nag claim ka this year. Sa America lang nangyayari hinde dito.

As for the participation pay. Kung kanino naka insured siya magbayad, pauso na dapat yun nakabangga dapat mag shoulder, bakit niya babayaran yun participation nun kabilang party?


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[dr. d]

Is there a rule that the guilty party pays for the participation fee? It is just my own knowledge that I must pay the participation fee because I'm the one who is insured with my car.

there is no rule on who pays for the participation fee. it is an agreement between the involved parties.

but it is only fair, in my view, "ako na nga ang naka-bangga at nang-abala sa kanya... the least i can do to make good, is to minimize his pain and pay for his participation fee."

[Stigg ma]

there is no rule on who pays for the participation fee. it is an agreement between the involved parties.

but it is only fair, in my view, "ako na nga ang naka-bangga at nang-abala sa kanya... the least i can do to make good, is to minimize his pain and pay for his participation fee."

wait, pag tinangap mo yung participation fee sa "at fault" eh hindi ba yan sign of settlement? kase daw kung ano yung cost of damage na babayaran ng insurance eh sisingilin niya (insurance) daw dun sa "at fault"??? totoo ba ito???

[shadow]

wait, pag tinangap mo yung participation fee sa "at fault" eh hindi ba yan sign of settlement? kase daw kung ano yung cost of damage na babayaran ng insurance eh sisingilin niya (insurance) daw dun sa "at fault"??? totoo ba ito???

Huwag kayo paloko sa ganyan style. Kahit kayo may kasalanan, kung insist nila sa insursnce nila sila magclaim eh di sila magbayad ng participation. Kung ayaw nila magbayad eh di sa insursnce mo mag claim para ikaw magbayad ng participation mo.

It's accident, sino may gusto? inconvenience for both parties.


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[shadow]

Is there a rule that the guilty party pays for the participation fee? It is just my own knowledge that I must pay the participation fee because I'm the one who is insured with my car.

Yes you're correct. Ang magbayad ng participation eh kung kaninong insursnce mag claim. Kahit sino pa may mali.


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[_Qwerty_]

Yes, kaya pag nalaman nang insurance (na malalaman talaga nila pag siningil na nila yung other party) kung tumanggap ka nang cash - kahit for participation lang, that will be considered as settlement.. and deny ang claim mo..

But.. there are ways around it.. get the money from the other party, ditch the police report and file a claim for hit and run.. that way walang other party involved..

wait, pag tinangap mo yung participation fee sa "at fault" eh hindi ba yan sign of settlement? kase daw kung ano yung cost of damage na babayaran ng insurance eh sisingilin niya (insurance) daw dun sa "at fault"??? totoo ba ito???

[papi smith]

Ang tanong ay talaga bang naniningil sila sa other party? Maybe, thru collection agents?

[dr. d]

Yes, kaya pag nalaman nang insurance (na malalaman talaga nila pag siningil na nila yung other party) kung tumanggap ka nang cash - kahit for participation lang, that will be considered as settlement.. and deny ang claim mo..

But.. there are ways around it.. get the money from the other party, ditch the police report and file a claim for hit and run.. that way walang other party involved..

then the party that hit you and ran away, will file for HIS insurance, also claiming hit-and-run,
then the two insurance providers will talk,
and the scheme will be found out!
both of you lose your insurance privilege claims.

unlikely scenario lang po.
willful imagination.

[_Qwerty_]

hit and run nga sir.. so walang other party.. ilayo mo lang yung location kung saan kayo nag file nang police report.. in case mag check ang insurance don sa area..

then the party that hit you and ran away, will file for HIS insurance, also claiming hit-and-run,
then the two insurance providers will talk,
and the scheme will be found out!
both of you lose your insurance privilege claims.

unlikely scenario lang po.
willful imagination.

[Stigg ma]

Yes, kaya pag nalaman nang insurance (na malalaman talaga nila pag siningil na nila yung other party) kung tumanggap ka nang cash - kahit for participation lang, that will be considered as settlement.. and deny ang claim mo..

But.. there are ways around it.. get the money from the other party, ditch the police report and file a claim for hit and run.. that way walang other party involved..

bakit sisingilin ng insurance yung at fault? eh diba nga kaya ka kumuha ng insurance eh para ipasa yung RISK sa insurance, tapos ipapasa din pala nung insurance yung cost of RISK sa at fault tapos syempre inflated pa ang singilan sa insurance, parang mali yata???

[sean-archer]

bakit sisingilin ng insurance yung at fault? eh diba nga kaya ka kumuha ng insurance eh para ipasa yung RISK sa insurance, tapos ipapasa din pala nung insurance yung cost of RISK sa at fault tapos syempre inflated pa ang singilan sa insurance, parang mali yata???

Exactly. Hindi lang kaya scheme lang ng insurance yun? Then what the hell are we paying the insurance premiums for if maniningil din ang insurance kanino man.

[shadow]

bakit sisingilin ng insurance yung at fault? eh diba nga kaya ka kumuha ng insurance eh para ipasa yung RISK sa insurance, tapos ipapasa din pala nung insurance yung cost of RISK sa at fault tapos syempre inflated pa ang singilan sa insurance, parang mali yata???

Kung hinde naka comprehensive yun isang party.


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[dr. d]

bakit sisingilin ng insurance yung at fault? eh diba nga kaya ka kumuha ng insurance eh para ipasa yung RISK sa insurance, tapos ipapasa din pala nung insurance yung cost of RISK sa at fault tapos syempre inflated pa ang singilan sa insurance, parang mali yata???

naging collection agency ang insurance provider! heh heh.

i wonder,
puede bang, "why are you billing me? aren't you the insurance provider who's supposed to pay his claim? anupa ang magiging role ninyo dito, kung taga-pasa lang pala kayo nang gastos?"

[_Cathy_]

I'm curious, are the PLDT repair guys engineers? They look white collar and their service cars are sedans? (this isn't the first time) Pero pag may repair sa poste, that's when they have the guys in a PLDT truck. I called PLDT for service, ang puti nung dumating at mukhang 20s lang kaya lang naka crocs clogs I'm thinking hindi kaya yan ang entry level sa PLDT to a certain department?

[dr. d]

I'm curious, are the PLDT repair guys engineers? They look white collar and their service cars are sedans? (this isn't the first time) Pero pag may repair sa poste, that's when they have the guys in a PLDT truck. I called PLDT for service, ang puti nung dumating at mukhang 20s lang kaya lang naka crocs clogs I'm thinking hindi kaya yan ang entry level sa PLDT to a certain department?

more of, which vehicle can bring along the ladder.
heh heh.

sometimes kasi, the repair can be effected without climbing up the poste.

[_Cathy_]

more of, which vehicle can bring along the ladder.
heh heh.

sometimes kasi, the repair can be effected without climbing up the poste.

of course pero I think yung mga naka truck ang subcons? Yung mga naka sedan ang employees? Parang I heard na majority ata ng PLDT ngayon subcon na or contractuals. Naalala ko pa when PLDT was one of the most prestige places to work for, ngayon iba na. Sana naman hindi na rin nila gibain yung building sa Makati Ave