questions on claiming insurance

[j_avonni]

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.

This is true. Dapat lang na habulin sila ng insurance company or the aggrieved party, kung walang insurance, para next time mag-ingat sila ng husto to avoid accidents.

[baurtwellXUV]

This is true. Dapat lang na habulin sila ng insurance company or the aggrieved party, kung walang insurance, para next time mag-ingat sila ng husto to avoid accidents.

OT: sir j_avonni

in my case naman po pano po yun?!

[j_avonni]

OT: sir j_avonni

in my case naman po pano po yun?!

In your case, you should pursue your claim against the owner of the truck since the insurance company is already delaying your claim and has no intention of paying your claim - per your story. The truck owner should be the one pressing the insurance company to pay your repair costs, since they are the insured.

If no positive actions yet, here are your options:

1. File a complaint against the truck owner and driver in court.
2. File a complaint against the insurance company in Insurance Commission.

Meantime, if you have the means to shoulder the repair costs, have your car repaired first.

[themann]

matagal ba ang decision ng court? some friends say that if the damage is not that bad, do not any more burden yourself in chasing the other party.

[motoro]

nakausap ko yung namamahala sa mga trucks ng company na nakabangga sa akin. ang dinidiin niya sa akin ay ang driver dapat habulin ko at hindi sila dahil ang driver yung may kasalanan at yung driver rin ang nakapirma sa police report. tpl lang insurance ng auto nila and whenever their driver was involved in collision yung driver daw pinapabayad. tama bang argument ito?

i told him na, we both know the driver can't pay and the company have some liabilities rin and the truck belongs to the company.

[revoGSX]

nakausap ko yung namamahala sa mga trucks ng company na nakabangga sa akin. ang dinidiin niya sa akin ay ang driver dapat habulin ko at hindi sila dahil ang driver yung may kasalanan at yung driver rin ang nakapirma sa police report. tpl lang insurance ng auto nila and whenever their driver was involved in collision yung driver daw pinapabayad. tama bang argument ito?

i told him na, we both know the driver can't pay and the company have some liabilities rin and the truck belongs to the company.

parang meron na atang thread dito nyan, you can file a "civil case" against the truck owner, kahit paano eh meron sila responsibilidad..

[j_avonni]

parang meron na atang thread dito nyan, you can file a "civil case" against the truck owner, kahit paano eh meron sila responsibilidad..

Hindi lang "kahit paano", sila ang principal liable being the owner. Also, they are also liable for the actions of their employees. So the respondent should be the registered owner.

[ian_rex]

ok. just this morning i got involved in a minor collission with a Toyota Vios 2003, 1.5 G. my problem is, i wonder if my TPL (which was compulsary) would be ok, since i'm paying cash for "participation fee". actually, it was agreed that i would pay, since the vehicle i'm driving is no longer covered by an insurance except from those so-called TPL.

the reason behind why it wasn't 'insured' by a comprehensive insurance because the vehicle is 10 year old already.

i wonder if those so-called TPL which you have to pay at the time of the registration could be legitimate, that in any event of collision could i use it not to claim but to show to the Traffic Bureau? will this be valid?

from the talks i had with mazda, normally, 1% of the insurance coverage should shouldered by the owner, or in my case, me. i wonder kung tataas pa ba yun kasi may bangga yung Vios at sabi nung driver e naka-claim na daw sa insurance yun, pero ba't hindi pa pinagawa i don't know.

hinihintay ko lang lumabas yung police report. pakiramdam ko, hindi favorable sa akin.

i still doubt if i did the right thing. i agreed to shoulder the cost of participation fee, but i didn't considered myself at fault since at the time of the incident, the vehicle i'm in was at rest. i even had the handbrakes on...

need your opinion so badly. i'm going nuts because i wanted to keep the costs down. saka para hindi ako maloko nung kabilang party.

[ian_rex]

This is true. Dapat lang na habulin sila ng insurance company or the aggrieved party, kung walang insurance, para next time mag-ingat sila ng husto to avoid accidents.

anong insurance kaya ito?

mangyayari kaya sa akin ito? kasi i'm planing to draft a waiver releasing me from any liabilities whatsover, once i paid the participation fee.

[icon]

question related to claiming insurance. If I opted for cash settlement tapos ang estimate was to replace front bumper, pwede ko ba paayos lang yung old bumper ko? or get a surplus? may magagawa ba ang insurance dito? around 40% depriciation din daw babayaran ko pag pinagawa ko kasi kaya malaki laki din babayaran ko.

[pjkhyra]

Please

My car was involved in a hit & run incident while i am parked. My front bumper got hit, the bumper cracked, the paint chipped and the plate holder cracked. Hindi ko napansin kung saan exactly nabangga kasi i only noticed upon arriving in my garage. Sa tingin ko naatrasan to habang naka parallel park ako sa mga places na pinuntahan ko kanina. Ni hindi man lang nag iwan ng note yung driver na naka atras... bad trip... My question is:

1. Do i have to pay the deductible if i claim it to my comprehensive insurance? Unfair kasi na mag ca-cash out ako e hindi naman ako ang may kasalanan. If only nahuli ko yung nakabangga

2. May iba pa po bang options para hindi na me magbayad ng participation fee? If theres any ano po?

TIA po sa mga mag rereply...

[Great Carz]

Please

My car was involved in a hit & run incident while i am parked. My front bumper got hit, the bumper cracked, the paint chipped and the plate holder cracked. Hindi ko napansin kung saan exactly nabangga kasi i only noticed upon arriving in my garage. Sa tingin ko naatrasan to habang naka parallel park ako sa mga places na pinuntahan ko kanina. Ni hindi man lang nag iwan ng note yung driver na naka atras... bad trip... My question is:

1. Do i have to pay the deductible if i claim it to my comprehensive insurance? Unfair kasi na mag ca-cash out ako e hindi naman ako ang may kasalanan. If only nahuli ko yung nakabangga

2. May iba pa po bang options para hindi na me magbayad ng participation fee? If theres any ano po?

TIA po sa mga mag rereply...

Paps, with regards to your question..nkencounter n po ako ng ganyan, sad to say kelangan may participation fee tyo na bbbyadan sa insurance ntin kc nkIndicate sa polciy un sir na for evey claim we are entitled to pay for our deductible unless kung dun natin icclaim sa third party..kaya lng sir on your part wala na ung third party..

Hope this helps paps

[_Qwerty_]

eh sir.. wala namang ibang mag shoulder nung participation nyo.. kaya no choice talaga kayo dyan..

[pjkhyra]

Paps, with regards to your question..nkencounter n po ako ng ganyan, sad to say kelangan may participation fee tyo na bbbyadan sa insurance ntin kc nkIndicate sa polciy un sir na for evey claim we are entitled to pay for our deductible unless kung dun natin icclaim sa third party..kaya lng sir on your part wala na ung third party..

Hope this helps paps

I see.. Tnx for your opinion bro...

eh sir.. wala namang ibang mag shoulder nung participation nyo.. kaya no choice talaga kayo dyan..

kaya nga eh.. no choice na pla ako so wala na talaga ako magagawa kundi mgbayad ng deductible... para sa nakabangga sa akin... naisahan niya ako... oh well!! karma does its things...

[mavida]

Sir comprehensive po yung insurance ng car ko, then na-involve po yung car ko sa isang gulo sa daan yung rear bumper ko is nayupi and nagasgas tapos meron rin pong chipped paint sa left front and rear door panel maliit lang naman tama po yata ng bato kasi nagbatuhan sila. Ganun po ba yun per panel parin ba ang pagbayad eh ang laki po kasi 3500 per panel dun sa participation fee willing ako bayaran yung sa rear bumper kasi malaki yung damage pano ko po makukumbinsi yung insurance na isama sa yung 2 panel ko na chipped paint lang naman kasi maliit lang yung damage tapos singilin pa ako ng another fee para dun sa door panels, Di ko na kasi nahabol yung mga salarin nakapark po sa labas ng bahay yung kotse ko. Ano po dapat kong sabihin para maisama yung mga door panels ko? TIA

[mark_t]

Sir comprehensive po yung insurance ng car ko, then na-involve po yung car ko sa isang gulo sa daan yung rear bumper ko is nayupi and nagasgas tapos meron rin pong chipped paint sa left front and rear door panel maliit lang naman tama po yata ng bato kasi nagbatuhan sila. Ganun po ba yun per panel parin ba ang pagbayad eh ang laki po kasi 3500 per panel dun sa participation fee willing ako bayaran yung sa rear bumper kasi malaki yung damage pano ko po makukumbinsi yung insurance na isama sa yung 2 panel ko na chipped paint lang naman kasi maliit lang yung damage tapos singilin pa ako ng another fee para dun sa door panels, Di ko na kasi nahabol yung mga salarin nakapark po sa labas ng bahay yung kotse ko. Ano po dapat kong sabihin para maisama yung mga door panels ko? TIA

Sinabi ba sa iyo ng claims na sisingilin ka ng extra ? Normally inaayos na lang yan ng service provider for free. Kausapin mo service advisor.

[jlaw888]

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)

ano naman ang ibig sabihin nitong depreciation fee? pls. explain in layman's term..mga magkano to usually? pasok ba ang 2006 model sa ganito o wala pa?

[jlaw888]

ano naman ang ibig sabihin nitong depreciation fee? pls. explain in layman's term..mga magkano to usually? pasok ba ang 2006 model sa ganito o wala pa?

up sana may sumagot

[sarceangel]

Depreciation fee varies in percentage of share with regards to the age of your car. Your car is less than 3 years so you don't have share of depreciation....for me, its 40% since my car is over 7years old...
pano explain sa layman's term? ganito yun,kapag nabangga ka at wasak ang bumper mo,papalitan yun ng bago or 2nd hand parts,meron ka dung share... for example, the bumper cost 10k and your car is over 7years old, your share will be 40% of 10k plus participation (ex. 2k) so ang total na babayaran mo hindi lang 2k na participation kundi 6k pesos.....

[mark_t]

Ang isa po na maganda na example ay ang gulong (tires).

Binili nyo po sya ng January tapos nasira sya ng September.

Siempre gamit na iyon so hindi puede na palitan ng bagong gulong yon ng
insurance co. kasi gamit na. So kailangan mag share ka ng nagamit mo na
parte na mula January to September at ang Insurance naman October to
December ang share nila. Para mapalitan ng bagong gulong.