insurance company recovery

[_Qwerty_]

kung parehong straight.. hindi magkaka banggaan yan sir.. merong pakaliwa or pakanan siguro sa kanila..

parehas sila going straight sa intersection....

alam ko nga court na mag dedecide.. nag woworry lang kasi sya dun sa demand letter ng insurance company...

loss na dapat ni insurance yun di ba??

[frequenzy]

mukang sa police report siya ang nakalagay na may kasalanan kaya siya hinabol ng insurance. dapat binasa niya ng maiigi yung report. kung nagpumilit yun insurance, mas maganda unahan niya na magsampa ng kaso at sabihin na hindi siya may kasalanan. although wala naman nakukulong sa ganyan, panget din kapag may record kaw.

[yebo]

going straight pero nag-cross siguro. pero sino ba nauna sa intersection? rule of the road, first to arrive at intersection has right of way if the roads are of the same width. if not, then the major road has right of way all the time kahit na walang nakalagay na "Yield" o "Stop" dun sa minor road.

[mark_t]

Teka

1. Ano ba talaga meron friend mo ctpl lang or ctpl and tpl?

2. Malinaw naman V1 bumped V2. So V1 pays. V1 is liable.

3. Basic rule of the road is "Always leave an out". Siguraduhin mo na makakalabas ka,
makakahinto ka, at makakalabas ang iba.

V1 bumps V2, malinaw naman.

V1- Bayad

4. Kung CTPL meron ka, lahat meron noon kaya hindi issue yon.
Ang tanong may TPL ba yon V1 kung wala itong compre?

5. Brother pete basa...

What's TPL?

[mark_t]

And remember if you are not insured by an insurer then you are self insured.

Buntot mo hatak mo ika nga!

[spencer101173]

magkano pala yun damage nun kabila?

mahirap pag wala kang insurance...

[yapoy86]

going straight pero nag-cross siguro. pero sino ba nauna sa intersection? rule of the road, first to arrive at intersection has right of way if the roads are of the same width. if not, then the major road has right of way all the time kahit na walang nakalagay na "Yield" o "Stop" dun sa minor road.

same sila crossing the intersection... V2 came from a minor road V1 came from the major road...

V1 was about to cross the intersection when V2 coming from the minor road at speed... V1 bumped V2

wala siyang compre.. TPL lang.. di ba pang tao lang yung TPL say naka bangga ka ng tao??

[derf8666]

Correct si yebo that major road always has the right of way over minor roads. But the problem is that medyo nagpabaya dun sa paggawa ng police report. If as both parties claimed that both were not at fault, then hindi niyo dapat pinayagan na ilagay ang "V1 bumped V2". That alone implies that V1 is at fault. It should have been something like "V1 collided with V2"

There are two kinds of TPL kasi.

1. CTPL, commonly known as just "TPL". This is attached to all vehicles in the philippines.
2. VTPL, "V" being Voluntary or also known sometimes as Excess TPL, and is packaged together with the comprehensive insurance coverage that includes own damage/theft claim to your car. Other add-ons can include Acts of God and the practically useless PA coverage.