Insurance hack

[Joe Magarac]

Really? Considering question number 2?

If you can give an honest answer to that query on number 2, I know by heart that he will be enlightened by it. It will be very foolish for him to ask us questions that needs foolish answer. We will just be honest on our unsolicited opinion to him, thus this forum was created.

I'm sorry sir SidCoronel if I have offended you on my previous comment. I hope danegoesonline does not want to have personal gain at the expense of others. I hope.......

Have a nice day Sir Sid.

[chronicle]

Im with sid here.

Why would you even think na pwede mong pagkakitaan ang insurance.
It is blatant and even the most non tech person would know what insurance fraud is.

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[SidCoronel]

If you can give an honest answer to that query on number 2, I know by heart that he will be enlightened by it. It will be very foolish for him to ask us questions that needs foolish answer. We will just be honest on our unsolicited opinion to him, thus this forum was created.

I'm sorry sir SidCoronel if I have offended you on my previous comment. I hope danegoesonline does not want to have personal gain at the expense of others. I hope.......

Have a nice day Sir Sid.

No offense taken Joe...and you don't have to defend anyone, especially a very silent stranger

[SidCoronel]

Im with sid here.

Why would you even think na pwede mong pagkakitaan ang insurance.
It is blatant and even the most non tech person would know what insurance fraud is.

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[Archerfish]

I think item number 2 will be under the category of self damage. For example, my front bumper has a dent. Following the advise of casa, I should "collect more" then later claim it to the insurance company.

Now if I were to deliberately bump another vehicle whom is at disadvantage in its position to "gain" from my insurance claim, then that is what I would call a fraud.

So what really makes it a bad thing is the so called "intention of the heart". With this I am reminded of what I've read,

"For the heart is deceitful above all things, and desperately sick; who can understand it?"

If I may digress as I express my opinion, that whenever someone says, "follow your heart", I beg to disagree.

[chronicle]

^

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?

The other 2 questions are pretty standard.

The words "create your own damage" is the key here. You will intentionally damage the car to claim insurance para madamay yung isa pang sira sa pagawa? From what i see, ts might not want to pay 2 participation fee dahil magkahiwalay na incident yung papagawa nya at yung isa pang gusto nya idamay. Maybe ts can debunked this as he has been silent since starting this.

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The term na "padamihin mo na lang gasgas tsaka pagawa" is referring typically on the same panel. Not on a different panel.

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[papi smith]

Sans the morality issue, you have to go back to Yatta's post, kaya mo bang isahan ang adjuster?

[danegoesonline]

Hi there. Hindi ako maka access recently sa tsikot. Hehe anyway, ung casa mismo nagsabi sakin create my own damage pra isa nalang. Tapos yung matatanda dito samen gnun din. Hehe. Sa tingin ko hindi lugi ang casa sa ganitong scheme kc sa totoo lang kung marunong lang ako magrepair ng mga scratches dents napakamura lng ng magagastos and more of labor ito siempre except kung palit panel. Anyway sorry sa mga na offend, you really don't have to. Peace.

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[danegoesonline]

In addition, nung hindi pako marunong mag wet sand. 8k nagastos ko for 4 participation fees para sa mga minor scratch at isa pa pala affidavit na hit and run ang prefer ng casa ideclare imbis na police report etc etc. Mdmi pako tanong like kung nakuha mo ung papeles ng nabangga sayo, is the 2000 participation fee will going to be paid by the insurance of the other party. Pero aun na nga they prefer hit and run sa affidavit.

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[Walter]

The Insurance Adjusters will know if you are trying to scam the company ... They will charge you the participation fee on a "per incident" basis ...

[Aiai]

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

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?

Pano po pagka naibigay na po yung LOA sa casa po pwede pa kaya icash out na lang po tapos sa talyer na lang ipapagawa?

[SidCoronel]

Pano po pagka naibigay na po yung LOA sa casa po pwede pa kaya icash out na lang po tapos sa talyer na lang ipapagawa?

Of course not. Before you were issued the LOA you submitted a repair estimate from Casa. Ergo, the LOA was issued to the Casa by the insurance... Letter Of Authorization... to the Casa to repair the damage based on the repair estimate of the Casa that you submitted.

Why would you want to have it encashed and have the repair done by a talyer?

A rhetorical question...

[Yatta]

Pano po pagka naibigay na po yung LOA sa casa po pwede pa kaya icash out na lang po tapos sa talyer na lang ipapagawa?

Nope. The insurance will pay the casa directly. Not a single centavo will drop into your hands.

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[danegoesonline]

Nope. The insurance will pay the casa directly. Not a single centavo will drop into your hands.

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May kilala po ako e cash bnbgy s knia. Gngmtn ng legal actions.

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[Aiai]

May kilala po ako e cash bnbgy s knia. Gngmtn ng legal actions.

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Pasensya na ho di kasi ako maalam sa insurance kaya po ako nagtatanong.

Bale ho yung estimate sa casa umabot po ng 59k. may loa na po tapos yung approved repair cost 22k po yung deductible 7k yung company net liability po eh 14k.

Tanong ko po yung 14k lang po yung shoulder ng insurance? Yung iba po eh sa amin na po?

Kaya po ako nagtanong kung pwede encash tapos sa labas na lang ng casa ipagawa talyer po ba tawag doon.

Salamat ho sa sasagot

[_Qwerty_]

kung 59K ang estimate.. bakit naging 22K lang ang LOA? pano nila magagawa yun kung 22K lang?? deductible lang ang babayaran mo..

[dr. d]

kung 59K ang estimate.. bakit naging 22K lang ang LOA? pano nila magagawa yun kung 22K lang?? deductible lang ang babayaran mo..

what is the vehicle, how old is it, and what is the scope of the fix?

ang hinala ko, ay depreciation cost.
kung pukpok, masilya't pinta lang, ay walang depreciation cost yan.
but kung may papalitang piyesa, ay baka may depreciation cost yan.

[Aiai]

what is the vehicle, how old is it, and what is the scope of the fix?

ang hinala ko, ay depreciation cost.
kung pukpok, masilya't pinta lang, ay walang depreciation cost yan.
but kung may papalitang piyesa, ay baka may depreciation cost yan.

Honda city 2018 mt po. One year pa lang ho nung july 27.

Ang case pong naifile ehh napagtripan ginuhitan po ng mahaba tas star po yung isa po self accodent papalbas po ng gate... Bale gasgas at konting yupi lang po.

Kaya nga po. Kaya nga ipinasok ng insurance tpos ang laki oa ng babayaran.

Nung nagpaestimate ho kami eh sa casa na rin po ginawa yung report.

Depende ba ho talaga sa insurance kung magkano icocover nila?

[dr. d]

ang hirap naman sumagot..
dala-dalawa kasi ang threads na pinuntahan...

[Walter]

You have the option to get cash payment from insurance in lieu of repair ... They will still deduct depreciation and participation fee ...