questions on claiming insurance

[motoro]

my car got hit and i was not at fault. i have comprehensive insurance and here are my questions:

1. do i need to pay the deductible? i know i don't need to coz i'm not the one at fault but i just want to be sure.

2. do i have the right to demand that i want a certain body shop fix my car or am i limited to the body shop that is accredited by the insurance?

3. if i can choose the body shop i want, does the insurance company have the right to refuse it should the body shop i want is more expensive than the one they accredited? or will the insurance company just allow me to have it fix at the shop i wanted, even if it's more expensive, and they will just be the one to negotiate with the shop?

4. what if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and i don't need to wait if the other party will pay up or not right? in short, it's their problem?

thanks for any info.

[johnart]

my car got hit and i was not at fault. i have comprehensive insurance and here are my questions:

1. do i need to pay the deductible? i know i don't need to coz i'm not the one at fault but i just want to be sure.
-yes if your claiming against your insurance policy
2. do i have the right to demand that i want a certain body shop fix my car or am i limited to the body shop that is accredited by the insurance?
- nope your limited to the accredited shop the insurance has to offer.
3. if i can choose the body shop i want, does the insurance company have the right to refuse it should the body shop i want is more expensive than the one they accredited? or will the insurance company just allow me to have it fix at the shop i wanted, even if it's more expensive, and they will just be the one to negotiate with the shop?
-they may allow you to have your car repaired at your preferred shop however you will no longer need to pay the deductible except you only get the cash conversion of the repair cost. In short they give you money and its up to you where to have it repaired. (the settlement is usually 70% of the repair value less the depreciation cost of your car.)
4. what if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and i don't need to wait if the other party will pay up or not right? in short, it's their problem?
-yes it will be the problem of the insurance company, but you still have to pay the deductible and have complete papers (police report, license of you and the other car, or and cr of both vehicles.
thanks for any info.

hope this helps

[yebo]

1 - why not compel the party that was at fault to pay the deductible? in fact since it was not you who was at fault the damage should be charged to the other party's insurance and not from yours.

2 & 3 - keep in mind that the insurance company can not refuse if you bring it to the casa/dealer. the dealer will be more than happy to help you in this case, it means more business to them. another plus is that the casa/dealer may even insist to just replace the body panel instead of repairing.

4 - insist that the other party pay the deductible. and yes it should be the insurance who should run after the other party who is at fault.

[naruto]

clarification lang po.... ano po b ibig sabihin ng deductible at mga magkano po b ito? salamat po...

[1D4LV]

deductibles are certain percentage na kailangang i-shoulder ng liable sa accident or nung owner nung policy/car. this is to ensure that the risks are not entirely shouldered by the insurance company, kundi baka maluge na sila.

the amount of deductibles depend on the insurance company. normally, they range from 2000 to 3500 petot.

[mazdamazda]

deductible is either 1% of the vehicle's insured value or P3500/P2000, whichever is higher.

[boybi]

some insurance will require you to get job estimates from 2 or 3 'talyers' if you're not going to their accredited repair shops. the insurance will pay you the amount whichever is the lowest in the 3 estimates, less the participation.

the standard rate for the participation is 0.5% of the insured amount for passenger vehicles and 1.0% of the insured amount for commercial vehicles. but some insurance companies give a fixed amount of 2,000 to 3,000 for the participation fee.

[mazdamazda]

some insurance will require you to get job estimates from 2 or 3 'talyers' if you're not going to their accredited repair shops. the insurance will pay you the amount whichever is the lowest in the 3 estimates, less the participation.

yup. make sure that your insurance company has accredited your suking talyer or casa.

[motoro]

what if yung gusto kong shop ay di accredited nila but since hindi ako at-fault sa accident, can they let me go to the non-accredited shop then sila nalang bahala maghabol dun sa other party, since yung other party naman magbabayad? pwede ba yan?

[mazdamazda]

what if yung gusto kong shop ay di accredited nila but since hindi ako at-fault sa accident, can they let me go to the non-accredited shop then sila nalang bahala maghabol dun sa other party, since yung other party naman magbabayad? pwede ba yan?

pwede naman ipagawa sa hindi accredited. nagawa ko na yan.

kailangan lang mag issue ng letter of authority (yun ata ang tawag dun) ng insurance company mo dun sa shop.

kapag repair / collission specialist yung shop (na authorized ng ibang insurance company), medyo madali lang gawin yan. pero kung bagong shop lang na wala pang history - baka mahirapan.

[silhouette]

deductible fee = participation fee

agree, na you can choose your shop. and the insurance will just coordinate with the shop you want.

but it would be better if the shops accredited by your insurance is already presented prior to your availment. like what my insurance did. asside from the wet look, allen isidro is also one of their accredited shops.

[shadow]

deductible fee = participation fee

agree, na you can choose your shop. and the insurance will just coordinate with the shop you want.

but it would be better if the shops accredited by your insurance is already presented prior to your availment. like what my insurance did. asside from the wet look, allen isidro is also one of their accredited shops.

wow! ano insurance mo?

[silhouette]

mapre bro!

should you wish to change your insurance. just let me know. i can refer you to a friend. wala po akong fee dun. i just like their service (well that is based on the agent handling my & my friends' account).

[boybi]

no need na for letter of authority from your insurance for non-accredited shops kung kaya mong abonohan yung cost of repair and parts, tapos i-reimburse mo lang from your insurance. ganun palagi ang ginagawa ko para mabilis magawa yung car at magamit agad.

kapag na-involve sa accident, tawag agad ako sa insurance para i-report. tapos i'll take pictures of the damaged parts. then pagawa ko na agad sa suking shop.

[motoro]

ginagago ako ng agent ko sa insurance porket ayaw ko pagawa sa accredited shop nila tinatagalan niya yung pagasikaso ng bangga ko. di daw niya makuha yung policy number ng kabilang insurance for many days na daw at ako pa pinapatawag imbes na sila lahat magasikaso. tapos nung tinawagan ng bro ko yung insurance ng kabilang party, 5mins lang nakuha na yung policy number. yung head nila kinausap namin pero mukhang walang paki.

nung binigay na yung policy number sa ogag na insurance agent ko tsaka niya tinawagan yung insurance ng nakabangga sa akin at dun nalaman na TPL daw insurance ng nakabangga sa akin. so here are my questions:

1. pwede ko pa ba ireport itong ogag na insurance agent ko sa insurance commission para makaganti ako?

2. kung TPL ang insurance ng kabilang party, ano na ang magiging procedure sa pagclaim? yung insurance ko ba ang dapat pa rin humabol dun o ako dapat?

thanks.

[boybi]

1. pwede ko pa ba ireport itong ogag na insurance agent ko sa insurance commission para makaganti ako?

pwde mo ireport sa insurance commission yan.

2. kung TPL ang insurance ng kabilang party, ano na ang magiging procedure sa pagclaim? yung insurance ko ba ang dapat pa rin humabol dun o ako dapat?

kung comprehensive ang insurance mo, pwdeng ikaw nalang ang magclaim sa insurance mo as own damage pero magbabayad ka ng participation fee (and depreciation if your car is more than 4 or 5 yrs old). kausapin mo rin yung nakabangga sayo na kahit yung participation nalang ang bayaran nya.

[BlackPrince]

pwde mo ireport sa insurance commission yan.



kung comprehensive ang insurance mo, pwdeng ikaw nalang ang magclaim sa insurance mo as own damage pero magbabayad ka ng participation fee (and depreciation if your car is more than 4 or 5 yrs old). kausapin mo rin yung nakabangga sayo na kahit yung participation nalang ang bayaran nya.

tama ka sir boybi.
*motoro, sir kausapin mo ng maayos yung nakabangga. pag ayaw nyang bayaran participation mo ... tuloy mo ang kaso ... SURE WIN ka. kaso mo sa kanya is "wreckless driving resulting to damage to property ++ lagyan mo rin ng physical injuries" -- kung meron hehe ... good luck sir!

[themann]

partners, correct if i am wrong...

whether you are at fault or not, you are going to spend for the participation or deductible on your insurance coverage. what the insurance will do is try to get the insurance company of the other car to pay their contribution of the repair.

kaya nga ang suggestion of the insurance, even if you are at fault do not acknowledge it. go with the process of getting a police report.

reaction please....

[boybi]

you are at fault:
- if your car is damaged, your insurance will pay for the repairs of your car and you pay the participation fee + depreciation (if your car is more than 4 or 5 yrs old)
- if there is third party involved, your insurance will also pay for the repairs and damages of the third party involved including bodily injuries. you will not pay for any participation fee.

if you're not at fault:
- your car is sustained damages, the offending party's insurance will pay for the repair of your car. no cash out on your part.
- if offending party don't have comprehensive insurance, the offending party should pay from his own pocket the repair cost of your car. if you're kind enough, and you have comprehensive insurance, you may just ask the offending party to shoulder the participation fee of your insurance and let the your insurance pay for the repairs of your car.
- if you and/or any occupants in your car sustained injuries, the TPL insurance of the offending party will shoulder the hospitalization of the person injured, but up to a maximum amount of P50,000.00 only and depending on the extent of injury. (total disability or death lang ang makakakuha ng 50K).

[motoro]

another question, is this true:

since the offending party has only TPL, and let's say i claimed it sa insurance ko and let him pay deductible instead na ako, will my insurance still go after him? my agent was telling my bro that kahit na pinabayad ko lang ng participation ay hahabulin pa rin nila yung tao. totoo ba ito o nagpapatawa lang yung agent ko?

thanks.