1st time Insurance Claim

[dr. d]

Salamat sa mga sumagot. Update ko lang ito, naapprove din yung LOA after two days ng pagtawag ko sa insurance mukhang kulang lang nga sa follow-up kasi walang mabigay na dahilan sa 'kin yung evaluator, medyo natambakan lang daw siya though binanggit ko din yung Insurance Commission sa kainitan ng ulo ko. Looks like yung estimate na nga ng insurance yung gagamitin.

Weird thing is yung insurance in-house is parang walang balak contactin yung insurance ng kabila para singilin, after they gave me the total amt of deductible/payment for the repair. Parang ako dapat yung humabol sa kabila para magbayad sila, o ako ang magbayad pag hindi ko nasingil.

Daming hassle dapat pala una pa lang sa settlement hingi ka kagad bayad sa abala(oras, gas pagdala/balik sa insurance/casa, abala na walang sasakyan) bukod sa pagpapagawa nila ng sasakyan. Chinese may-ari ng sasakyan ng driver na nakabangga sa kin may business sa Tarlac kaya medyo kompyansa ko di ako tatakasan nung mag-asawa.

Tumawag na din sa kin yung insurance nila idedeposit na lang daw yung payment sa 'kin, kaso nung binanggit ko na baka may hidden damage/additional repair pa kasi di pa nadala sa casa, yung initial payment lang daw ang babayaran(lalo kong gustong dagdagan yung singil), kahit sabi ko in case lang at pwede nilang contactin yung insurance/casa ko sa detalye(di daw nila gagawin yun dahil sa insurance ko pinasok yung claim hindi sa kanila).

Last question na lang po, hindi mo ba mailalabas ng casa after the repair kung hindi nagbayad yung insurance ng other party/nakabangga ng total deductible? As you mentioned kasama sa binayaran ko sa insurance yun na sila ang tumawag sa kanila.

errr... why are you talking to the other guy's insurance provider, po?
you should be talking to your insurance provider only. bahala sila makipag-usap sa kabilang insurer. that is what they are for.

if your insurance provider won't answer the total cost of repair (minus participation fee), ask them why. ask for the breakdown. perhaps there is something in there, that you might tweak, to minimize costs.

[susikey]

errr... why are you talking to the other guy's insurance provider, po?
you should be talking to your insurance provider only. bahala sila makipag-usap sa kabilang insurer. that is what they are for.

if your insurance provider won't answer the total cost of repair (minus participation fee), ask them why. ask for the breakdown. perhaps there is something in there, that you might tweak, to minimize costs.

Para po dun sa participation fee+depreciation payment ng repair(sagot ng nakabangga). Pag kabigay kasi sa 'kin ng insurance ko ng amount na babayaran, parang bahala ka na ser o iready mo na lang yung payment after ng repair babayaran . What I am expecting eh sila yung cocontact o maniningil sa insurance nung nakabangga sa akin o at least kausapin yung insurance niya kung paano niya yun mababayaran. Ibinigay ko naman sa kanila yung insurance company ng nakabangga sa 'kin even the direct number nung SA na sinabi sa 'kin nung Chinese eh pwede kong kausapin deretso dahil nga baka hindi kami magkaintindihan.

[papi smith]

In my experience, insurance companies will not bother collecting the participation fee from the other party. Too much hassle on their part, this is probably why it's callled participation. They expect you to participate in the cost of repairs, thus nasa sa iyo na kung kaya mo ipasagot sa other party.

[susikey]

In my experience, insurance companies will not bother collecting the participation fee from the other party. Too much hassle on their part, this is probably why it's callled participation. They expect you to participate in the cost of repairs, thus nasa sa iyo na kung kaya mo ipasagot sa other party.

Parang ganun nga. May mga nabasa lang kasi ako na hahabulin pa din ng insurance yung nakabangga sa kin kahit nagbayad ng participation fee, na insurance dapat kumausap sa kanila, etc.

Warak yung likuran ng sasakyan ko yupi bumper, compartment, yung takip ng compartment umangat at nayupi, basag tail lights, 1 week na di pa daw kompleto parts, pag wala pa daw sa planta 45 days pa daw pag order ganoon ba talaga katagal? suzuki alabang eto.

[Walter]

Deductible or Participation fee is your responsibility ... it's up to you whether you will require the other party to pay ... and if it's worth your time to do so ... when getting insurance, deductible is one of the items that you should be negotiating ... 3,000 is about the average deductible ... some dealers like Mazda have ZERO deductible if you get insurance from them when you purchase a vehicle ...

[Walter]

That kind of damage will take at least 30-45 days to repair ... realistically speaking ...

[dragon05]

Deductible or Participation fee is your responsibility ... it's up to you whether you will require the other party to pay ... and if it's worth your time to do so ... when getting insurance, deductible is one of the items that you should be negotiating ... 3,000 is about the average deductible ... some dealers like Mazda have ZERO deductible if you get insurance from them when you purchase a vehicle ...

Well it depends in the depreciation of your vehicle sometimes you need to pay almost 30-40% of the amount of repair cost if your vehicle is 4-5 years older.

Sent from my SM-G955F using Tsikot Forums mobile app

[dr. d]

can TS share, what are the parts that need replacement, and what are the costs and depreciation fees?
kasi, kung pupukpukin lang yan, mamasilyahan at pipintahan, at wala naman piyesang papalitan, ay wala dapat parts depreciation cost na sisingilin.

[papi smith]

Bago pa siguro ito doc, he is talking about parts availability from the plant, so nasa casa ang sasakyan. Pag nasa casa, wala pa sa depreciation stage. Tama ba hehehe...

[dr. d]

Bago pa siguro ito doc, he is talking about parts availability from the plant, so nasa casa ang sasakyan. Pag nasa casa, wala pa sa depreciation stage. Tama ba hehehe...

if parts are to be replaced, they have a formula.
zero depreciation for the first xx months.
then for every additional year, a certain percentage...

it's not the casa that charges depreciation. it's the insurance provider.

i think TS mentioned that the car is 3 years old, going on 4 (entry #3 on the first page).