Insurance participation fee

[yam123]

Mga paps .., quick question!
Had an accident last week..
My car got damage from all over it's body(scratches), then I decided to use my insurance
but the problem is the participation fee.
Ang nakalagay dun samin is 2k PF.
So base from my understanding yun lang ang babayran ko to cover all of the scratches pero d daw 2k daw per panel(sides) right,left,front and back. So meaning magiging 8k ang PF ko instead of 2k.Tama ba un?? Hoping for a quick response.

[shadow]

Yup! Impossible kasi na ma accident ka ng scratch all over the body ng car mo.

Unless your car was attacked by thousand of cats

Alam ng insurance na isasabay mo lang mga lumang Tama and gasgas


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[yam123]

hahhah... By accident I mean my nakasagi sakin na tryke sa likod ng sasakyan ko. so aun nataranta ko nawalan kontrol kaya sumadsad.. so gasgas lang paps..
Newbie driver kasi lol
..
Pero kung my police report naman??
Tsaka regarding dun sa question ko 8k talga instead of 2k pf?

Yup! Impossible kasi na ma accident ka ng scratch all over the body ng car mo.

Unless your car was attacked by thousand of cats

Alam ng insurance na isasabay mo lang mga lumang Tama and gasgas


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[1D4LV]

depende yan dun sa terms and conditions ng insurer mo eh. pwedeng tama o pwedeng mali.

[llanesgelchan]

Guys, please help. Gusto ko kc malaman magkano participation fee ko. Nabangga ako yesterday ng BUS along kalayaan avenue. Honda Brio Amaze car ko, at ang masakit, 2months ko palang ginagamit. Estimate na gagawin ni Honda Rizal (My Dealer) is Php61,250. Since ipapasok sa insurance, di pa daw malalaman magkano participation fee kc si insurance daw magsasabi nun after investigation. Gusto ko na kase malaman magkano participation dahil BUS company nung bumangga sakin yung sasagot. Please help. Baka may idea kayo. Girl ako kaya wala ako masyado knowledge dito. Thanks in Advance. -Angel

[aki0125]

Aslong you have a police report to back up your claim that those scratches occured wjth your lastweek accident then you just have to tslk with the claims department of your insurer.

[armscor40]

same thing happened to me every time accident occurred always not my fault...altho w/ police report & pix. of the damage you still have to pay the PF of 2k only not the whole damage the rest is insured...the damage cost should be more than your PF not less than it, otherwise have it repaired outside the insurance shops.

[llanesgelchan]

Guys, please help. Gusto ko kc malaman magkano participation fee ko. Nabangga ako yesterday ng BUS along kalayaan avenue. Honda Brio Amaze car ko, at ang masakit, 2months ko palang ginagamit. Estimate na gagawin ni Honda Rizal (My Dealer) is Php61,250. Since ipapasok sa insurance, di pa daw malalaman magkano participation fee kc si insurance daw magsasabi nun after investigation. Gusto ko na kase malaman magkano participation dahil BUS company nung bumangga sakin yung sasagot. Please help. Baka may idea kayo. Girl ako kaya wala ako masyado knowledge dito. Thanks in Advance. -Angel

[oj88]

Guys, please help. Gusto ko kc malaman magkano participation fee ko. Nabangga ako yesterday ng BUS along kalayaan avenue. Honda Brio Amaze car ko, at ang masakit, 2months ko palang ginagamit. Estimate na gagawin ni Honda Rizal (My Dealer) is Php61,250. Since ipapasok sa insurance, di pa daw malalaman magkano participation fee kc si insurance daw magsasabi nun after investigation. Gusto ko na kase malaman magkano participation dahil BUS company nung bumangga sakin yung sasagot. Please help. Baka may idea kayo. Girl ako kaya wala ako masyado knowledge dito. Thanks in Advance. -Angel

Kung hindi ikaw may kasalanan, especially kung insured yung nakabangga sayo, wala kang babayaran dapat na PF.

Sa lahat ng claims ko before, nagbabayad lang ako ng PF kung mag-claim ako ng own-damage. (ie. ako nakabangga, na hit and run ako, or sa isang pagkakataon, nalubak ako sa isang bukas ng manhole at nasira gulong, rim, at suspension).

[cast_no_shadow]

Guys, please help. Gusto ko kc malaman magkano participation fee ko. Nabangga ako yesterday ng BUS along kalayaan avenue. Honda Brio Amaze car ko, at ang masakit, 2months ko palang ginagamit. Estimate na gagawin ni Honda Rizal (My Dealer) is Php61,250. Since ipapasok sa insurance, di pa daw malalaman magkano participation fee kc si insurance daw magsasabi nun after investigation. Gusto ko na kase malaman magkano participation dahil BUS company nung bumangga sakin yung sasagot. Please help. Baka may idea kayo. Girl ako kaya wala ako masyado knowledge dito. Thanks in Advance. -Angel

basahin ang policy.

saken stated:

0.5% of insured value, minimum of Php. 2,000 which ever is higher

kaya it varies talaga

[boimontero1972]

Paano kung ang nakabanga sa akin hindi insured may babayaran po rin ba akng PF?kahit wala akng kasalanan?slmt....

[SkyFlakes88]

Paano kung ang nakabanga sa akin hindi insured may babayaran po rin ba akng PF?kahit wala akng kasalanan?slmt....

Dapat po wala kasi yun bumangga po dapat magpagawa nang kotse nyo sir. Pero kung ayaw nya magbayad pwede nyo pagawa through your insurer but you will have to pay participation fee and depreciation on parts in case may depreciation po or ask the other party to pay your fees. In due time your insurer will go after the other party to reimburse the amount for your claim. In the end babayaran pa rin po nun nakabangga lahat nang nagastos.

[boimontero1972]

Thank you so much sir for the response i have now an idea regarding that matter.

[intransit]

guys, ilang beses ba ngbabayad ng participation fee sa isang claim?

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[dr. d]

guys, ilang beses ba ngbabayad ng participation fee sa isang claim?

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if everything happened in one event, only once.
kung inipon mo muna, as in, tatlong beses ka na-bangga over a period of time, once for every event.
unless your warranty contract says otherwise.

[Deestone]

I had an incident early this year when a bus hit me at the rear when I was in full stop in a crossing and we went to the police precint near Manila hotel and the traffic investigator told the bus diver to pay up my participation fee and his driver's license was confiscated. But my driver's license was not conficated since I can be charge with traffic obstruction during the accident.

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[dr. d]

I had an incident early this year when a bus hit me at the rear when I was in full stop in a crossing and we went to the police precint near Manila hotel and the traffic investigator told the bus diver to pay up my participation fee and his driver's license was confiscated. But my driver's license was not conficated since I can be charge with traffic obstruction during the accident.

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from what i understand,
the law does not dictate who pays for the participation fee.