Car accident need advice!

[Bossmonkee]

Hi, I recently got into an accident involving my car, and a PUJ, now this is the first time ever that I have gotten into an accident, anyway, I was on the right side of the road ready to make a right turn, wen all of a sudden this puj to my left decides to abruptly cut in front of me to turn to the right as well wc the result was his vehicle ripped my bumper off, i just have a few questions, after all the photo taking of the police/investigator, he called my attention and informed me that my license was expired for 7 days, amusingly had it not been for the accident,I wouldnt have known about it cos all the while i thought it was going to expire 2018, my insurance is TPL and i believe its the same for the puj, and my OR/CR is still under the name of a specific company, I didnt have time to transfer the registration to my name yet, so question is what will be the likely outcome of this whole scenario? Will the puj's insurance cover it? Or not? Or whats going to happen?

[_Cathy_]

I doubt that the PUJ has insuramce though...

[dct]

Applicable ba tpl ba dyan? Di ata. Not sure though. Talo ka na dahil you're not allowed to drive dahil expired license na

[sirkosero]

Talo ka dyan. Expired lisensya mo. Di ka dapat nagmamaneho

[luis_]

Afaik compulsory tpl is for people only and not for property damages.

[erdiedizon]

Talo po kayu jan since ur driving license was xpired.

[Juan Martinez]

what will be the likely outcome of this whole scenario? Will the puj's insurance cover it? Or not? Or whats going to happen?

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.

[makyong]

OT., Attorney JM, applicable din po ba yung number 2. sa mga nagmomotor na walang lisensya or expired ang lisensya?

[Juan Martinez]

Attorney JM, applicable din po ba yung number 2. sa mga nagmomotor na walang lisensya or expired ang lisensya?

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

[makyong]

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

Sir, bakit sila pa yung may ganang mag sampa ng kAso? Where in the first place wala dapat sila sa kalye driving w/o license or expired license.

[dr. d]

Sir, bakit sila pa yung may ganang mag sampa ng kAso? Where in the first place wala dapat sila sa kalye driving w/o license or expired license.

wala naman akong nabasang may nagsampa na ng kaso... investigation lang ang nabasa ko..

can TS argue that, "the expiration of the license does not result in loss of driving ability.." ?
but if insurance is the question, having an expired license will deliver you "at the mercy of the insurance guys".

[sphinxz]

I believe separate na issue yung driving with an expired license dun sa accident. Wala namang kinalaman ang expired license sa kakayahan mong magdrive. Mas may experience ka na kasi matagal ka nang nagdrive.
Besides, kung technicality lang din naman, I bet mas maraming violations yung PUV driver which you can use to counter argue. Seatbelt? Nakasapatos ba sya? Which mas may bearing to have caused the accident.

[dr. d]

but we can't judge the puj driver's culpatility, based on his previous driving mal-history... that's simply not right.

[informant]

I doubt that the PUJ has insuramce though...

Agreed. Most PUJ have TPL only which is required by law in annual registration of the vehicle which does not cover car damages like comprehensive does and is seperate, more expensive and not required to have by law (unless the vehicle is new and bank financed which requires insurance but again is very unlikely since its a jeepney). Unless he has comprehensive insurance then it's a moot point and you should have asked for cash settlement agreement at the police station during the filing of police report since his insurance won't cover it most likely. The only thing you can claim from TPL is if you were injured and can claim damages for hospital bills. Again all this is could be considered moot due to the validity of your license.

[unmarked]

Mahihirapan ka jan boss. Malamang walang pang gastos si manong driver, then may pagkaka mali ka rin driving na expired license. Charge to experience nalang.

[dishcom]

Expire license. Mahirap yan.. mag kanya kanya na lang kayo ng pagawa. Para tapos na.

[Bossmonkee]

update: ok na guys, thanks sa mga inputs, my lawyer was able to reason out that an expired license should not affect any claim that I make against the PUJ that rammed my car since its a different violation altogether and not associated or affected in anyway with the accident, since it shows on the CCTV that my car was just immobile and the PUj was the one that instigated the accident , so I therefore I can press charges at him if I wanted to, regarding my license, the officer just told me to get it renewed come Monday since it has only been like 7 days, but I could go forward with pressing charges if I wanted to...however I just came to the decision to do kanya-kanyang bayad cos as much as I was frustrated and angry with the accident, I felt sorry for the jeepney driver, the guy had barely enough to pay for the blotter w/c was only about P150, I paid mine in bills and he paid his in P1 and P5 coins and even had to borrow an extra P20 from his wife, so I can only imagine If I demanded money for the repairs. I just told him to just be more aware when he's on the road, funny lng talaga, these new cars on the road pretty much crumple like paper, but jeepneys are pretty solid in build he had nothing more than a scratch on his, maybe I should get a jeepney as well hahahaha

[KenGarcia]

update: ok na guys, thanks sa mga inputs, my lawyer was able to reason out that an expired license should not affect any claim that I make against the PUJ that rammed my car since its a different violation altogether and not associated or affected in anyway with the accident, since it shows on the CCTV that my car was just immobile and the PUj was the one that instigated the accident , so I therefore I can press charges at him if I wanted to, regarding my license, the officer just told me to get it renewed come Monday since it has only been like 7 days, but I could go forward with pressing charges if I wanted to...however I just came to the decision to do kanya-kanyang bayad cos as much as I was frustrated and angry with the accident, I felt sorry for the jeepney driver, the guy had barely enough to pay for the blotter w/c was only about P150, I paid mine in bills and he paid his in P1 and P5 coins and even had to borrow an extra P20 from his wife, so I can only imagine If I demanded money for the repairs. I just told him to just be more aware when he's on the road, funny lng talaga, these new cars on the road pretty much crumple like paper, but jeepneys are pretty solid in build he had nothing more than a scratch on his, maybe I should get a jeepney as well hahahaha

Maswerte yung driver ng jeep at maawain ka sir. Sana matuto na sya, yun man lang na sa abala at gastos mo at nya eh makabawas ng isa sa napakaraming pasaway na driver sa daan. :thumbup:

[dr. d]

update: ok na guys, thanks sa mga inputs, my lawyer was able to reason out that an expired license should not affect any claim that I make against the PUJ that rammed my car since its a different violation altogether and not associated or affected in anyway with the accident, since it shows on the CCTV that my car was just immobile and the PUj was the one that instigated the accident , so I therefore I can press charges at him if I wanted to, regarding my license, the officer just told me to get it renewed come Monday since it has only been like 7 days, but I could go forward with pressing charges if I wanted to...however I just came to the decision to do kanya-kanyang bayad cos as much as I was frustrated and angry with the accident, I felt sorry for the jeepney driver, the guy had barely enough to pay for the blotter w/c was only about P150, I paid mine in bills and he paid his in P1 and P5 coins and even had to borrow an extra P20 from his wife, so I can only imagine If I demanded money for the repairs. I just told him to just be more aware when he's on the road, funny lng talaga, these new cars on the road pretty much crumple like paper, but jeepneys are pretty solid in build he had nothing more than a scratch on his, maybe I should get a jeepney as well hahahaha

today's bumpers are designed to crumple like paper.
the cost of bumper replacement, is very much cheaper than the cost of hospitalization for , say, a broken bone.

[NiCe2KnowU]

update: ok na guys, thanks sa mga inputs, my lawyer was able to reason out that an expired license should not affect any claim that I make against the PUJ that rammed my car since its a different violation altogether and not associated or affected in anyway with the accident, since it shows on the CCTV that my car was just immobile and the PUj was the one that instigated the accident , so I therefore I can press charges at him if I wanted to, regarding my license, the officer just told me to get it renewed come Monday since it has only been like 7 days, but I could go forward with pressing charges if I wanted to...however I just came to the decision to do kanya-kanyang bayad cos as much as I was frustrated and angry with the accident, I felt sorry for the jeepney driver, the guy had barely enough to pay for the blotter w/c was only about P150, I paid mine in bills and he paid his in P1 and P5 coins and even had to borrow an extra P20 from his wife, so I can only imagine If I demanded money for the repairs. I just told him to just be more aware when he's on the road, funny lng talaga, these new cars on the road pretty much crumple like paper, but jeepneys are pretty solid in build he had nothing more than a scratch on his, maybe I should get a jeepney as well hahahaha

Sana binigyan mo muna ng lesson para madala