questions on claiming insurance

[carlo_41786]

Mga sir. Good day.

Patulong naman.

Last april 25 2009, sa palengke ng Carmona Cavite, nabangga oto ko ng isang bisikleta na may side car at lamang kalakal. Medyo trapik at basa ang daan so nakatigil kami ng biglang bumangga sa likod yung sidecar. Dali rear bumper ko, may part na nayupi at natanggal ang paint.

Walang trafic enforcer nung mga panahon na yon, at sagabal na kame sa daan kasi ang kipot ng daan,sobrang nagtrapik na so i decided remove my car and put it on side.

Masakit pa, since nangangalakal ng basura at sidecar lang, wala syang lisensya or kahit ano na maibibigay sa akin. So para matapos na. umalis nalang kame. (badtrip talaga)


Question ko po.

- What are the things that i need to claim my insurance?(i dont have police report)

- And let say 20K ang magiging cost ng repair. How much will i shoulder? Participation fee?Ilang percert or may fix rate?

- at pwede ko din bang i-claim sa insurance ang naging gasgas sa front bumper na kasalanan ng tito ko?(tanggal pintura at pa-estimate ko is 2K portion lang 5K buong panel)

- At kung saka sakaling sagot din nila sa harap. Bukod ba ang magiging participation fee ko sa front bumper at sa rear bumper?(parang ganun kasi yung narinig ko sa SA ko) Or ang participation fee ko is for the total repair cost ng papaayos ko?


Salamat po.

[mey0r]

Mga sir. Good day.

Patulong naman.

Last april 25 2009, sa palengke ng Carmona Cavite, nabangga oto ko ng isang bisikleta na may side car at lamang kalakal. Medyo trapik at basa ang daan so nakatigil kami ng biglang bumangga sa likod yung sidecar. Dali rear bumper ko, may part na nayupi at natanggal ang paint.

Walang trafic enforcer nung mga panahon na yon, at sagabal na kame sa daan kasi ang kipot ng daan,sobrang nagtrapik na so i decided remove my car and put it on side.

Masakit pa, since nangangalakal ng basura at sidecar lang, wala syang lisensya or kahit ano na maibibigay sa akin. So para matapos na. umalis nalang kame. (badtrip talaga)


Question ko po.

- What are the things that i need to claim my insurance?(i dont have police report)

- And let say 20K ang magiging cost ng repair. How much will i shoulder? Participation fee?Ilang percert or may fix rate?

- at pwede ko din bang i-claim sa insurance ang naging gasgas sa front bumper na kasalanan ng tito ko?(tanggal pintura at pa-estimate ko is 2K portion lang 5K buong panel)

- At kung saka sakaling sagot din nila sa harap. Bukod ba ang magiging participation fee ko sa front bumper at sa rear bumper?(parang ganun kasi yung narinig ko sa SA ko) Or ang participation fee ko is for the total repair cost ng papaayos ko?


Salamat po.

Police clearance/report needed yan kadalasan depende sa insurance angency. Kun may kilala ka, pagawa ka na lang, tapos bahala ka na mag lagay ng script. Participation mo sa sedan usually is 0.5 percent or 2000 pesos whichever is higher.

20K repair? mahal naman masyado yan, ang buong rear and fornt bumper complete repair, nasa 4k to 5k lang each. hindi maganda ang kalalabasan pag portion lang ng gasgas aayusin. better to have the whole panel repaired.

[shadow]

Question ko po.

- What are the things that i need to claim my insurance?(i dont have police report)

- And let say 20K ang magiging cost ng repair. How much will i shoulder? Participation fee?Ilang percert or may fix rate?

- at pwede ko din bang i-claim sa insurance ang naging gasgas sa front bumper na kasalanan ng tito ko?(tanggal pintura at pa-estimate ko is 2K portion lang 5K buong panel)

- At kung saka sakaling sagot din nila sa harap. Bukod ba ang magiging participation fee ko sa front bumper at sa rear bumper?(parang ganun kasi yung narinig ko sa SA ko) Or ang participation fee ko is for the total repair cost ng papaayos ko?


Salamat po.

--no need for police report, affidavit lang yan ok na since OD ang claim mo...

--anong nakasulat sa policy mo? then yun ang participation mo pero meron formula dyan 1% or .5% of something eh...

---pwede! pero ibang cliam ulit yan, kasi walang conncection sa accident na nangyari sa rear bumper mo....pero nadadaan naman sa usapan yan

----yup, pero as I've said pwede idaan sa mabuting usapan yan....

[trevvs]

Tanong ko lang po sa mga naka experience na:

Sagot ba ng comprehensive insurance yun both na sasakyan nabanga at yun unit ko?

Magkano ang participation ko?

Ano naman ang participation ng nabanga ko, kung ang kanya lang ay TPL?

Maraming salamat.

[mey0r]

Tanong ko lang po sa mga naka experience na:

Sagot ba ng comprehensive insurance yun both na sasakyan nabanga at yun unit ko?

Magkano ang participation ko?

Ano naman ang participation ng nabanga ko, kung ang kanya lang ay TPL?

Maraming salamat.

Depende sa policy ng insurance yung participation. Kung kanya lang TPL, at ikaw naka bangga, nadadala naman sa magandang usapan yan. Ako ilang beses nako nabangga, para iwas abala, ako na lang nagpapagawa tapos ipapa reinburse ko na lang sa nakabangga kung madali lang naman gawin, ganun din pag ako naka disgrasya.

[carlo_41786]

--no need for police report, affidavit lang yan ok na since OD ang claim mo...

--anong nakasulat sa policy mo? then yun ang participation mo pero meron formula dyan 1% or .5% of something eh...

---pwede! pero ibang cliam ulit yan, kasi walang conncection sa accident na nangyari sa rear bumper mo....pero nadadaan naman sa usapan yan

----yup, pero as I've said pwede idaan sa mabuting usapan yan....

Sabi ng SA ko, its .5% ng insured ammount. So that is Php 819,000.00 x .5% = Php 4095.00

So pwede na pala affidavit of incident. Hay... Buti naman.

Thanks sir shadow. Thanks sa info. Atleast nagka-ideya na ako.

Pakiusapan ko nalang sila about sa gasgas sa harapan.

[mark_t]

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.

1. Yes.
2. No. But you can request that your shop be accredited,
then they will check if the shops licenses and equipment is OK.
If they meet the minimum standards set by the insurer then they get accredited.
3. They will not pay more than they have to. Even if you sue them.
4. The insurance co. do not have a right to go after the one that hit
you.

[mark_t]

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.

Baka hindi nya ni remit ang premium mo, actually ibang department naman
ang nag tratrabaho sa claims. There should be no problem, just bring it to the casa and order the repairs to be done, the adjusters would check
on it as usual.

1. Kung insurance agent sya oo, i angal mo muna sa insurance co para tanggalan siya ng authority to sell then sunod sa insurance commision.
After 3 months verify.
2. Wala kang ma claim sa TPL. In reality TPL is the legal loop hole
in the requirement to have vehicle insurance. It is almost useless.
The law requires that you have insurance, TPL is the legal loop hole
to that law.

[Mile2]

Depende sa policy ng insurance yung participation. Kung kanya lang TPL, at ikaw naka bangga, nadadala naman sa magandang usapan yan. Ako ilang beses nako nabangga, para iwas abala, ako na lang nagpapagawa tapos ipapa reinburse ko na lang sa nakabangga kung madali lang naman gawin, ganun din pag ako naka disgrasya.

The best solution!

Diplomasya lang para iwas malaking gulo, pabayaran na lang ang participation fee plus konting dagdag sa abala puede na yon. Kung kayang magbayad on the spot okay na rin para wala ng police report at affidavit na lang sa own damage. Affidavit sa own damage puede na 100 petot, pero pag police report naku katakot-takot na hingi ng lagay hangang sa release ng police report at pictures humihirit pa na lagay si manong pulis.

[Phoenixx]

last month april 18 i was bumped by a toyota innova on the other lane . he crossed the barricade and went to the opposite lane hitting my car . sa police station he assured me na hell cover for the expenses kasi naka compre sya ako ctpl lang.

after a month now hindi pa naayos sasakyan ko although nakasubmit nako sa kanila ng pic crashes, certificate of no claim, or cr etc. currently nakipagnegotiate pa yung insurance ng nakabangga sa talyer. ang estimated damage was 60k tapos napababa sa 47 k pero ang inoofer ng insurance was 27 k. ngayun titingnan ulit ng insurance kasi di pa nagtutugma ang presyo nila sa talyer.

question.

1. anu ang dapat kong gawin kasi yung car kelangan ko sa work at naapektuhan na ang work ko?

2. ganun ba katagal ang insurance magaction for parties na binangga ng insured nila?

3. kelangan ko ba magfile na ng kaso sa court kasi sabi daw masyadong mababa ang amount kasi mas malaki pa daw gagastusin ko at atagal aabutin ng one year sabi ng isang abogado.

4. yung car na drive ko is not under my name. binili ko sya froma japanese guy. kaso yung deed of sale nya hindi ko na makita. does it matter?

[mey0r]

last month april 18 i was bumped by a toyota innova on the other lane . he crossed the barricade and went to the opposite lane hitting my car . sa police station he assured me na hell cover for the expenses kasi naka compre sya ako ctpl lang.

after a month now hindi pa naayos sasakyan ko although nakasubmit nako sa kanila ng pic crashes, certificate of no claim, or cr etc. currently nakipagnegotiate pa yung insurance ng nakabangga sa talyer. ang estimated damage was 60k tapos napababa sa 47 k pero ang inoofer ng insurance was 27 k. ngayun titingnan ulit ng insurance kasi di pa nagtutugma ang presyo nila sa talyer.

question.

1. anu ang dapat kong gawin kasi yung car kelangan ko sa work at naapektuhan na ang work ko?

2. ganun ba katagal ang insurance magaction for parties na binangga ng insured nila?

3. kelangan ko ba magfile na ng kaso sa court kasi sabi daw masyadong mababa ang amount kasi mas malaki pa daw gagastusin ko at atagal aabutin ng one year sabi ng isang abogado.

4. yung car na drive ko is not under my name. binili ko sya froma japanese guy. kaso yung deed of sale nya hindi ko na makita. does it matter?

If you want to sue, send the insurance a demand letter.

[Phoenixx]

pero is it normal for insurance of the offender to take 1 month of processing and up to now wala pa rin maaarive na bargain agreeement between sa choice ng talyer ko? if mag sue ako kelan ako magdecide na magsue kasi gumagalaw naman ang insurance nila kaso ang bagal ata one month na nagbigay na ng bargaining price pero di nagtutugma sa actual damage. delaying tactic lang ba nila to? the insurance is ALLIED BANKING INSURANCE sobrang kuripot talaga magbigay ng price at ang bagal kumilos at yung asawa ng nakabangga eh sa allied bank insurance din nagwowork...

[rensom]

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.

Meron bang insurance company na nagbibigay ng zero deductible?

[1D4LV]

Meron bang insurance company na nagbibigay ng zero deductible?

wala afaik...standard practice yan bro.

[mark_t]

Meron mga brokers na nag o offer nyan pero ganito ang ginagawa nila..

1. Hindi nila nilalagay sa policy mo ang deductible pero isasama nila sa
sa premium mo yon deductible, bale nag bayad ka na ng in advance
hindi mo lang alam.

2. Pag yan ang hiningi mo na policy puede nila ibigay sa iyo kung
meron mag request para sa iyo or meron sasalo sa claim mo.

Sa mga agent naman meron sila sariling talyer na accredited na doon nila
pinapasok ang repair kung maayos ka na client(walang fraud claims) or friend ka ng friend ng friend ng agent, but you have to be silent on this hehe...

o isa kang napakalayong kamag anak.

Again everyone has to be silent on this...

Ang wag na wag nyo gagawin ang magkaroon ng dalawang
comprehensive collision policy sa isang sasakyan.
Yon iba kasi na casa nag i issue ng policy they hindi nila ipapasok
ang premium hangang walang claim. Madalas na do doble ang policy
number sa isang sasakyan. Automatic denied claim nyo.

Ang problema hindi alam ng client yon, yan ang nagpapatagal sa
claim kasi wala pang policy, ipapasok pa lang.

The insurance industry attracts the wrong kinds of people.

Observation ko lang po.

[kehlea]

mas mabuting deretso na kayo sa insurance companies kung gusto nyong kumuha ng insurance, huwag na po kayong dumaan sa broker or dealer unless nakatie-up cla sa insurance company.. gawin mo na lng agent sarili mo para less na ang commission sa babayaran mo, in a way nakatipid ka na.. commission is 30% of premium. deductible depends on the vehicle, if it's commercial vehicle 1% of the OD/TF Coverage and .5% on personal/private cars..
kung may claim, you can go directly to the company, hassle ang agents/brokers kasi alam nman nilang di cla mgbabayad ng claim, commission lng habol nila..

[mark_t]

mas mabuting deretso na kayo sa insurance companies kung gusto nyong kumuha ng insurance, huwag na po kayong dumaan sa broker or dealer unless nakatie-up cla sa insurance company.. gawin mo na lng agent sarili mo para less na ang commission sa babayaran mo, in a way nakatipid ka na.. commission is 30% of premium. deductible depends on the vehicle, if it's commercial vehicle 1% of the OD/TF Coverage and .5% on personal/private cars..
kung may claim, you can go directly to the company, hassle ang agents/brokers kasi alam nman nilang di cla mgbabayad ng claim, commission lng habol nila..

Even if you do not have an agent or broker you will still pay that 30% commission you mentioned. Kung meron nag bibigay ng 30% comm.

Agents and brokers actually brings down the rates to get your business.

Insurance is always sold by brokers and agents. That is the way
insurance is sold. That is the regulation.

It is a regulated industry.

How do you intend to save on money by being your own agent?
Share mo naman kung paano yan para makatipid din ang iba.

[JohnMaxwell]

I met a minor accident earlier today and it was my fault. Medyo luma na yung sasakyan nabangga ko and pumayag sa areglo.

Unfortunately bago pa lang yung car ko . The car broker told me to have the car assessed in their casa, then later forward the assessment to the insurance company. It will take 3-5 days daw for insurance company processing.

Do I need a police report to support insurance claim? Yung ibang reply kasi dito sa thread kelangan daw, yung iba naman hindi na.

Please advise. Thank in advance sa mag re-reply.

[mark_t]

It will depend on what insurance policy you have, if it requires a police report to make a claim, then you will need it.

Some insurance companies requires a police report for your claim to be processed, while others do away with this as they have third party contractors providing adjuster's services.

[mark_t]

last month april 18 i was bumped by a toyota innova on the other lane . he crossed the barricade and went to the opposite lane hitting my car . sa police station he assured me na hell cover for the expenses kasi naka compre sya ako ctpl lang.

after a month now hindi pa naayos sasakyan ko although nakasubmit nako sa kanila ng pic crashes, certificate of no claim, or cr etc. currently nakipagnegotiate pa yung insurance ng nakabangga sa talyer. ang estimated damage was 60k tapos napababa sa 47 k pero ang inoofer ng insurance was 27 k. ngayun titingnan ulit ng insurance kasi di pa nagtutugma ang presyo nila sa talyer.

question.

1. anu ang dapat kong gawin kasi yung car kelangan ko sa work at naapektuhan na ang work ko?

2. ganun ba katagal ang insurance magaction for parties na binangga ng insured nila?

3. kelangan ko ba magfile na ng kaso sa court kasi sabi daw masyadong mababa ang amount kasi mas malaki pa daw gagastusin ko at atagal aabutin ng one year sabi ng isang abogado.

4. yung car na drive ko is not under my name. binili ko sya froma japanese guy. kaso yung deed of sale nya hindi ko na makita. does it matter?

1. Do you have a copy of his insurance policy? Maybe you can claim
500 pesos for every day you lost use of your car.

2. Next time you are involved in an accident, dont take lip service baka
binobola ka lang. If they promise to have it fixed put it on paper and
have it notarized. Otherwise it never happened.