Insurance hack

[danegoesonline]

1. Pwede bang icash out nalang ung naestimate sa damage?
2. Since per accident ang bayad P2,000, pwede bang create your own damage nlng na idadamay mo na yung katabi para mapagawa nadin since may sira din yung katabi?
3. Pag nanakaw na o total loss, bibigyan ka ba ng brand new tapos tuloy yung monthly amort?

[TheUninvited]

1. Pwede bang icash out nalang ung naestimate sa damage?
2. Since per accident ang bayad P2,000, pwede bang create your own damage nlng na idadamay mo na yung katabi para mapagawa nadin since may sira din yung katabi?
3. Pag nanakaw na o total loss, bibigyan ka ba ng brand new tapos tuloy yung monthly amort?

Contact your insurance provider.

[Archerfish]

For item number 3, if stolen, I heard that it is one of the most difficult situation you could get into. You need to prove that it was stolen. Similar to a dead person wherein you need to present the corpse to prove it. Otherwise, the person is simply missing.

I suddenly remembered one of my colleagues. He usually parks his Everest in the same area and he has been doing it for months. One day, we had an activity so we needed to move from one building to another. After that, we had lunch and finally in the afternoon we went out. This guy went to his usual parking area to get his Everest. It was nowhere to be found!

He went straight to the gate to inquire to the guards about his vehicle. The logbook does not indicate about his Everest's​ exit time. He started to panic and so raised his voice telling the guards that how come his vehicle was able to get out without them seeing it. He started cursing them.

Several minutes have passed until the officer-in-charge assembled a team to investigate. They went to his usual parking area. They asked around and so it was confirmed by the people in that vicinity that indeed, he parks his vehicle in that area. They inquired for any unusual activity, or for any unfamiliar faces

Finally, the officer-in-charge asked the old man, the owner of the missing Everest, what did he do for the whole day. He said that we had an activity and transferred to another building. They suggested to go and check it. The old man was so angry asking them about its relevance and pointing out how incompetent they are. He insisted that his vehicle was in that area only and someone​ took it off. However, the officer-in-charge asserted his authority and so they walked for quite a distance to check the other area​. There they found it, the one and only vehicle left in front of the building!

We all had a good laugh, except for the old man.

[Yatta]

1. Pwede bang icash out nalang ung naestimate sa damage?
2. Since per accident ang bayad P2,000, pwede bang create your own damage nlng na idadamay mo na yung katabi para mapagawa nadin since may sira din yung katabi?
3. Pag nanakaw na o total loss, bibigyan ka ba ng brand new tapos tuloy yung monthly amort?

1. Insurance pays the shop, unless its a total loss (but only if the car is fully paid).

2. Pwede, but you have to document the whole thing, like how did the damage occur, where and when.

3. Case to case ito eh. My neighbor totaled his AUV less than a month from purchase. Pinalitan ng brand new unit at tuloy ang monthly. Yung ka-grupo ko naman totaled din, binayaran lang yung bank for the balance ng natitirang loan. Binigyan langbsiya ng konti (<P50k).

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[SidCoronel]

1. Pwede bang icash out nalang ung naestimate sa damage?
2. Since per accident ang bayad P2,000, pwede bang create your own damage nlng na idadamay mo na yung katabi para mapagawa nadin since may sira din yung katabi?
3. Pag nanakaw na o total loss, bibigyan ka ba ng brand new tapos tuloy yung monthly amort?

I can't believe that someone will ask this question... What's supremely unbelievable is that some people condone this with an answer. Shame!

[dr. d]

if you don't do something to relieve TS of the ignorance, feigned or real, you are doomed to live with his ignorance for the rest of your life.

be aware that only a minor percentage of the ignorants, have the temerity to ask. we should be thankful, that they ask at all, because they ask for the majority who are too timid to ask.

an old professor once said, "ignorance has no bounds".
"we-the-learned, should go down to their level, because we can not expect them to easily go up to ours".

[ice15]

Just sharing... Then use your imagination...

We had E90's before.
Only 1 had isurance...

Suki na din kami ng talyer.

(1) Yes possible, pero kailangan mo ng OR (from Talyer and from the auto supply)
(2) Just declare it as "unattended" (iniwan mong nakapark and pagbalik mo, mag bangga na)

[SidCoronel]

if you don't do something to relieve TS of the ignorance, feigned or real, you are doomed to live with his ignorance for the rest of your life.

be aware that only a minor percentage of the ignorants, have the temerity to ask. we should be thankful, that they ask at all, because they ask for the majority who are too timid to ask.

an old professor once said, "ignorance has no bounds".
"we-the-learned, should go down to their level, because we can not expect them to easily go up to ours".

I agree with the old professor Dr D, IF the person is ignorant.

There's a thin line between an ignorant question and fraud.

[dr. d]

I agree with the old professor Dr D, IF the person is ignorant.

There's a thin line between an ignorant question and fraud.

and because i sometimes find it difficult to differentiate one from the other, i tend to assume it was an honest query, and respond accordingly.
"..our chance at educating someone, and we flubbed it..."

[Archerfish]

and because i sometimes find it difficult to differentiate one from the other, i tend to assume it was an honest query, and respond accordingly.
"..our chance at educating someone, and we flubbed it..."

Same thing here, I'd rather assume that it is an honest query instead of ruining the chance to educate someone.

So I remembered this guy who deliberately damaged his car. His reasoning, is that he wants to get the worth of money he spent on his insurance. This is something I can't imagine, doing this to my car.

[dr. d]

(2) Just declare it as "unattended" (iniwan mong nakapark and pagbalik mo, mag bangga na)

i am curious.
what are the chances of the insurance denying your claim, because you parked the car in a location clearly banning parking?
i.e., under the no-parking sign...

[SidCoronel]

and because i sometimes find it difficult to differentiate one from the other, i tend to assume it was an honest query, and respond accordingly.
"..our chance at educating someone, and we flubbed it..."

What was your reply to the original query Dr D.?

[dr. d]

What was your reply to the original query Dr D.?

i haven't yet replied to dane's query.
"primum non nocere."

[ice15]

i am curious.
what are the chances of the insurance denying your claim, because you parked the car in a location clearly banning parking?
i.e., under the no-parking sign...

Setting is the Philippines...
So papalag yung guy ng insurance making the inspection... (unlike other countries na madali kausap yung other side)

If you file for a claim (with all the necessary documents), you have to be sure that you have all your bases covered.

[danegoesonline]

Yang mga question ko naman e ayon sa mga narinig ko lang din sa ibang tao at chnececk ko lang kung merong gumagawa nito dito o kung totoo/posible ba yung mga narinig ko, no need to judge. Kung feeling mo e fraud edi wag kang sumagot wag mo akong tulungan. Wag ka magjudge agad kasi hindi ka sure. no hate.

[dr. d]

Setting is the Philippines...
So papalag yung guy ng insurance making the inspection... (unlike other countries na madali kausap yung other side)

If you file for a claim (with all the necessary documents), you have to be sure that you have all your bases covered.

there was an issue here like that, here in tsikot, a few years ago.
the car was parked at a location with clear "no parking" signage. the car was bumped. but i do not recall the developments afterward.

[ice15]

there was an issue here like that, here in tsikot, a few years ago.
the car was parked at a location with clear "no parking" signage. the car was bumped. but i do not recall the developments afterward.

It's like driving ng naka inom.

I have a friend who wrecked his car...
Kahit na his face was bleeding (hindi pa required an seatbelts noon) family lawyer asked the family not to bring him to the hospital.

Later on we learned na para pala sa insurance claim yun... Baka lumabas sa doctor's report na may alcohol level blood nya during that night...

[Yatta]

I can't believe that someone will ask this question... What's supremely unbelievable is that some people condone this with an answer. Shame!

Don't worry, insurance companies are one step ahead and know all the tricks. Just likeany decent HR person can distinguish a Recto transcript from the real deal.

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[Joe Magarac]

August 21st, 2018 03:09 AM #1

1. Pwede bang icash out nalang ung naestimate sa damage?
2. Since per accident ang bayad P2,000, pwede bang create your own damage nlng na idadamay mo na yung katabi para mapagawa nadin since may sira din yung katabi?
3. Pag nanakaw na o total loss, bibigyan ka ba ng brand new tapos tuloy yung monthly amort?

I can't believe that someone will ask this question... What's supremely unbelievable is that some people condone this with an answer. Shame!

I think danegoesonline is just trying seek some professional answer from consultants on this forum because those questions are hanging over his head. There's no mistakes on his query whatsoever that we can judge outright that it's a "shame" to inquire and specially a "shame" to those who condoned with it. According to Confucius, "The man who asks a question is a fool for a minute, the man who does not ask is a fool for life.”

Intelligence shows from a person who ask questions than to a somebody who pretend to know everything.

According to one famous Greek Philosopher, Plato, "Wise men speak because they have something to say; Fools because they have to say something."

Just my two (2) cents my friend.

[SidCoronel]

August 21st, 2018 03:09 AM #1

1. Pwede bang icash out nalang ung naestimate sa damage?
2. Since per accident ang bayad P2,000, pwede bang create your own damage nlng na idadamay mo na yung katabi para mapagawa nadin since may sira din yung katabi?
3. Pag nanakaw na o total loss, bibigyan ka ba ng brand new tapos tuloy yung monthly amort?




I think danegoesonline is just trying seek some professional answer from consultants on this forum because those questions are hanging over his head. There's no mistakes on his query whatsoever that we can judge outright that it's a "shame" to inquire and specially a "shame" to those who condoned with it. According to Confucius, "The man who asks a question is a fool for a minute, the man who does not ask is a fool for life.”

Intelligence shows from a person who ask questions than to a somebody who pretend to know everything.

According to one famous Greek Philosopher, Plato, "Wise men speak because they have something to say; Fools because they have to say something."

Just my two (2) cents my friend.

Really? Considering question number 2?