Car accident need advice!

[Corolla_rider]

yes, bro, kahit na barko o eroplano applicable yan.

Ayos ang reply mo..nagising ako bigla.. Oo nga nmn. TANDAAN ntin lahat: Pagwalang lisensya, pagnawawala ang lisensya o pag-expired ang lisensya e ibig sabihin commuter ka na automatically. Hindi tayo dapat humahawak ng manibela hanggang naayos na natin ang importanteng bagay na ito. Hindi na puede yun "bahala na, bka makalusot nmn." Dun sa naaksidente ng jeep, hala pre, mg-win-win n lng kayo nun jeepney driver or operator kc tagilid ka jan.

[olegna18]

1) CTPL or compulsory third party liability coverage applies ONLY to the liability of the insured in respect of the bodily injury and/or death of any THIRD PARTY in an accident caused or arising out of the use or operation of the insured vehicle.

2) considering that you were driving with an expired license, you were then violating a law, and because you were violating a law, you are presumed to have acted negligently.

Pahelp din, newly joined lang ako dito. di pa ako makapagpost ng new thread. nagfull stop kasi ako kasi biglang may tumawid. kaso nabanga ko pa rin. tapos binanga naman ako nong nasa likod ko na car. kaso ang problema need ko the next day umalis ng bansa so nagswitch driver kami ng erpat ko kasi baka pahold pa flight kung sakaling mamatay yung taong nabanga at pumayag naman yung nakabanga sa amin at pumirma sila sa pulis report.
Ang problema, tinatakot kami ngayon nong nakabanga sa amin at pati insurance nila na ipakita daw nila yung dashcam nila na ako talaga ang nagdadrive at pababago ang pulis report. kasi gusto nila kami magbayad ng pagawa ng car nila.
Ang tanong may laban ba kami? (additional info: valid po DL ko at running 40-50kph lang ang takbo ko.)

[ieddam]

Pahelp din, newly joined lang ako dito. di pa ako makapagpost ng new thread. nagfull stop kasi ako kasi biglang may tumawid. kaso nabanga ko pa rin. tapos binanga naman ako nong nasa likod ko na car. kaso ang problema need ko the next day umalis ng bansa so nagswitch driver kami ng erpat ko kasi baka pahold pa flight kung sakaling mamatay yung taong nabanga at pumayag naman yung nakabanga sa amin at pumirma sila sa pulis report.
Ang problema, tinatakot kami ngayon nong nakabanga sa amin at pati insurance nila na ipakita daw nila yung dashcam nila na ako talaga ang nagdadrive at pababago ang pulis report. kasi gusto nila kami magbayad ng pagawa ng car nila.
Ang tanong may laban ba kami? (additional info: valid po DL ko at running 40-50kph lang ang takbo ko.)

Diba kasalanan nila yun kasi wala silang proper braking distance?

[olegna18]

Diba kasalanan nila yun kasi wala silang proper braking distance?

Yun nga rin iniisip ko, kahit pa nagpalit kami ng driver. di naman naming tinakasan yung tao. pinagamot namin. kung may safe braking distance sila di nila ako mabanga.

Kaso may ground ba sa insurance yun? mavoid ba insurance claim namin kung may binigay kami ng false statement sa pulis?

[Woof]

Pahelp din, newly joined lang ako dito. di pa ako makapagpost ng new thread. nagfull stop kasi ako kasi biglang may tumawid. kaso nabanga ko pa rin. tapos binanga naman ako nong nasa likod ko na car. kaso ang problema need ko the next day umalis ng bansa so nagswitch driver kami ng erpat ko kasi baka pahold pa flight kung sakaling mamatay yung taong nabanga at pumayag naman yung nakabanga sa amin at pumirma sila sa pulis report.
Ang problema, tinatakot kami ngayon nong nakabanga sa amin at pati insurance nila na ipakita daw nila yung dashcam nila na ako talaga ang nagdadrive at pababago ang pulis report. kasi gusto nila kami magbayad ng pagawa ng car nila.
Ang tanong may laban ba kami? (additional info: valid po DL ko at running 40-50kph lang ang takbo ko.)

Sino nagbayad ng medical expenses ng nabangga mo?

[olegna18]

Sino nagbayad ng medical expenses ng nabangga mo?

Ako nagbayad ng medical expenses. tapos claim na lang sa insurance. tapos yung bumanga sa amin dapat insurance to insurance na lang. tapos ngayon nananakot na kesyo kita daw sa dashcam nila kung sino talaga driver tapos kami pinagbabayad ng repair ng kotse nila.

[benchman]

Ako nagbayad ng medical expenses. tapos claim na lang sa insurance. tapos yung bumanga sa amin dapat insurance to insurance na lang. tapos ngayon nananakot na kesyo kita daw sa dashcam nila kung sino talaga driver tapos kami pinagbabayad ng repair ng kotse nila.

ano naman kaya kinalaman kung sino ang driver dun eh sila ang bumangga sa inyo, ipababago ang police report? how?

[olegna18]

ano naman kaya kinalaman kung sino ang driver dun eh sila ang bumangga sa inyo, ipababago ang police report? how?

yun na nga ang point eh. kahit magpalit ng driver sila pa rin ang may kasalanan kasi sila bumangga. ipababago daw nila puntahan daw nila yung prisinto at papakita daw nila ang yung dashcam. ewan ko lang kung gagawin talaga nila or panakot lang.

Inisip ko lang kung may ground ba kami legally pagdating sa insurance claim?

[dr. d]

hard to say.
"he who goes to court should do so with clean hands."

but,
falsifying a report does not erase the responsibility of reparation.
it does not matter who was driving the car that they bumped from behind.
after all, the insured is the car, not the driver.

"let them show their dashcam."
at this point, what else can you lose?

[olegna18]

hard to say.
"he who goes to court should do so with clean hands."

but,
falsifying a report does not erase the responsibility of reparation.
it does not matter who was driving the car that they bumped from behind.
after all, the insured is the car, not the driver.

"let them show their dashcam."
at this point, what else can you lose?

Actually I'm not so sure, ang panakot kasi nong attorney nong insurance nila ay may kaso din kami kasi nagpalit kami ng driver. I don't know kung anong interpretation ng batas regarding sa case ko.

[Woof]

Ako nagbayad ng medical expenses. tapos claim na lang sa insurance. tapos yung bumanga sa amin dapat insurance to insurance na lang. tapos ngayon nananakot na kesyo kita daw sa dashcam nila kung sino talaga driver tapos kami pinagbabayad ng repair ng kotse nila.

Ingat ka bro. You have everything to lose. Sa tingin ko your insurance will deny your claim if they found out that you falsified a report. Technicality ito na pwedeng i-exploit kung hindi ka malakas sa insurance mo at lalo na kung malaking amount involved.

Yung naka bangga sa iyo and their insurance are working together so that both of them won't have to spend a single centavo on this incident. Dapat sila mag shoulder ng damage nila kasi prima facie fault ng driver kung harapan ng sasakyan ang may tama but since they know you falsified the report alam nilang mayayari yung magiging claim mo sa insurance mo if they squeal to your insurance that you falsified the incident report. They are betting that the expense for the treatment of the pedestrian is large enough such that paying for their damage to keep them quiet is worth it for you. Ang lalabas nyan you have to shoulder all the expenses of the person na nabangga mo if your insurance company denies your claim for submitting falsified documents.

Nasa pedestrian lane ba tumatawid yung nabangga mo? I know this is weak defense here maski hindi but it could help.

Sayang, maliit lang sana na bagay ito if you did not swap drivers on the report. Wala naman kaso sa iyo if you leave the country since it was not a premeditated act to escape from liability (pre-booked tickets/itinerary etc) and you had a willing family member that is probably more financially capable than you to assist the injured.

[ray_noel]

For sure panakot lang yun nila... para di sila maka pag labas ng pera... dinaan nila sa legal, pero down the line pera pa ron ang habol nila... alam nila na falsified yung docs ma void yung claim and they can save the money...

Tama yung sabi nila, you should have reported what happen exactly and file affidavit na di mo tatakbohan ang responaibility kasi anjan naman father mo and ang insurance to provide the financial obligation...

Consult na kayo ng atty.


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[jkprlt]

Hi, I would like to ask about insurance claim. Nabangga kasi ako at ang may kasalanan is yng 3rd party. Nag claim nako sa insurance but can I demand compensation? (Sila magbabayad ng car ko hanngat hindi pa nagagawa dahil matagal kong di magagamit car ko pero babayaran ko parin sa bangko).

[Bravoexo]

Hi, I would like to ask about insurance claim. Nabangga kasi ako at ang may kasalanan is yng 3rd party. Nag claim nako sa insurance but can I demand compensation? (Sila magbabayad ng car ko hanngat hindi pa nagagawa dahil matagal kong di magagamit car ko pero babayaran ko parin sa bangko).

I don't think paying the monthly on a car loan is dependent on you driving the car or not. If your insurance agrees the 3rd party is liable, they'll pursue them if they want to, to pay off the cost of repairs (less your participation)...but if you want to pursue the 3rd party for something else (or at least covering the cost of the participation), nothing is really stopping you...

[jut703]

Hi, I would like to ask about insurance claim. Nabangga kasi ako at ang may kasalanan is yng 3rd party. Nag claim nako sa insurance but can I demand compensation? (Sila magbabayad ng car ko hanngat hindi pa nagagawa dahil matagal kong di magagamit car ko pero babayaran ko parin sa bangko).

Short answer - no, you can't.

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[dr. d]

Hi, I would like to ask about insurance claim. Nabangga kasi ako at ang may kasalanan is yng 3rd party. Nag claim nako sa insurance but can I demand compensation? (Sila magbabayad ng car ko hanngat hindi pa nagagawa dahil matagal kong di magagamit car ko pero babayaran ko parin sa bangko).

kung ang nasa kuntrata ay kotse lang, ay kotse lang ang sagot nila.
read the contract po, to find out what is included.

[olegna18]

Ingat ka bro. You have everything to lose. Sa tingin ko your insurance will deny your claim if they found out that you falsified a report. Technicality ito na pwedeng i-exploit kung hindi ka malakas sa insurance mo at lalo na kung malaking amount involved.

Yung naka bangga sa iyo and their insurance are working together so that both of them won't have to spend a single centavo on this incident. Dapat sila mag shoulder ng damage nila kasi prima facie fault ng driver kung harapan ng sasakyan ang may tama but since they know you falsified the report alam nilang mayayari yung magiging claim mo sa insurance mo if they squeal to your insurance that you falsified the incident report. They are betting that the expense for the treatment of the pedestrian is large enough such that paying for their damage to keep them quiet is worth it for you. Ang lalabas nyan you have to shoulder all the expenses of the person na nabangga mo if your insurance company denies your claim for submitting falsified documents.

Nasa pedestrian lane ba tumatawid yung nabangga mo? I know this is weak defense here maski hindi but it could help.

Sayang, maliit lang sana na bagay ito if you did not swap drivers on the report. Wala naman kaso sa iyo if you leave the country since it was not a premeditated act to escape from liability (pre-booked tickets/itinerary etc) and you had a willing family member that is probably more financially capable than you to assist the injured.

Wala sya sa pedestrian, siguro 20 meters away sya sa pedestrian. kasi may malapit na school dun eh.

Pero kahit sabihin nya sa insurance namin na nagpalit ng driver. wala pa rin kaming liability dun sa nakabangga sa amin? tama ba? kaya nananakot sila para bayadan namin sila?

[papi smith]

Tama po, in the hope na matakot kayo na ma invalidate ang claim nyo dun sa nabangga nyo, which will surely happen and worse baka balikan pa kayo nung nabangga nyo, seek professional help or talk to your insurer, complicated ito.

[benchman]

*olegna18

obviously extortion ang ginagawa sayo. kung ako yan hindi ko na sila kakausapin, kayo na ng insurance ko ang mag usap.

[shadow]

Bakit ang hilig dito sa atin na ipapabayad sa nakabangga yun participation ng sariling Insurance or yun iba naman hihingi pa ng compensation dahil hinde magamit yun kotse dahil ipagagawa


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