questions on claiming insurance

[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.