Claiming Own Damage Insurance from Oriental Assurance Corporation

**kruser** · November 17th, 2017 11:14 AM

Originally Posted by kevindd992002

Who gets all these copies? And is the payment to the notary public per copy? Sorry, this is my first time having something notarized.

Notary public payment is per document no matter how many copies.

**Sleepcare** · November 17th, 2017 12:12 PM

Originally Posted by kevindd992002

Who gets all these copies? And is the payment to the notary public per copy? Sorry, this is my first time having something notarized.

1 copy for notary public, 1 copy for insurance, 2 copies for you. You only really need 3 copies but just keep an extra so i recommended 4 copies.

**kevindd992002** · November 17th, 2017 03:18 PM

Originally Posted by Sleepcare

1 copy for notary public, 1 copy for insurance, 2 copies for you. You only really need 3 copies but just keep an extra so i recommended 4 copies.

Ok got it, thanks! I just got it notarized na and it cost me 250! Taga dun sa Bayani Road na notary public. Merong isa 100 lang pero naka lunch break, kaya no choice ako.

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**bishop** · November 21st, 2017 06:27 PM

Originally Posted by shadow

To be honest, I don't think it's your rights. I mean it was an accident, I'm sure even the other party don't want to be involved in one.

Even the participation fee. A lot of local car owners demands it from the other party. Which I think shouldn't be the case.

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Been thinking about this one a lot lately. In my experience, the other party also asked me to pay for their amortization and parking fee since they "were not able to use the car" after the accident...

**kevindd992002** · November 21st, 2017 06:52 PM

Originally Posted by bishop

Been thinking about this one a lot lately. In my experience, the other party also asked me to pay for their amortization and parking fee since they "were not able to use the car" after the accident...

The participation fee and the total cost of repair of my car are all shouldered by the other party's insurance (not by him directly). Even though technically hindi right ng nabangga na mag claim ng mga petty fees mula sa nakabangga, ganun na nakasanayan dito.

And when thinking of it, may sense din naman na magclaim ang nabangga. It's an accident, yes, pero meron at meron parin party na may kasalanan and he/she should shoulder all costs.

Just compare it to cases where people go to court to settle their money claims. When you send a demand letter, you can "legally" include all fees incurred during the litigation process.

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**bishop** · November 21st, 2017 07:01 PM

Originally Posted by kevindd992002

The participation fee and the total cost of repair of my car are all shouldered by the other party's insurance (not by him directly). Even though technically hindi right ng nabangga na mag claim ng mga petty fees mula sa nakabangga, ganun na nakasanayan dito.

And when thinking of it, may sense din naman na magclaim ang nabangga. It's an accident, yes, pero meron at meron parin party na may kasalanan and he/she should shoulder all costs.

Just compare it to cases where people go to court to settle their money claims. When you send a demand letter, you can "legally" include all fees incurred during the litigation process.

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Yes, I agree with you also. It's an unfortunate event, it's an accident, yes. But still, you can't dismiss those things easily. That's why it's better to talk to the parties involved to come to an amicable agreement.

**brr** · December 5th, 2017 06:44 PM

tanong lang po mga sir.
nag claim ako,commonwealth insurance. 2,000 ang deductible sa policy ko. 2015 lancer.
nung lumabas loa, 6k ang deductible. nag-aantay pa po ako ng explanation bakit naging 6k ang babayadan ko.
tama po ba yung participation fee na 6k? kahit 2k lang yung nakalagay sa policy ko?
salamat po sa sasagot..

if one is frequently accidented...
is it possible, there's something to the driver or the car, that makes it so...?[/QUOTE]

**papi smith** · December 5th, 2017 10:26 PM

Baka kinonsider or dineclare mo as 3 separate incidents nung mag file ka ng claim?

**dr. d** · December 5th, 2017 10:30 PM

Originally Posted by papi smith

Baka kinonsider or dineclare mo as 3 separate incidents nung mag file ka ng claim?

is that 2K per panel? or is that 2K for each incident?
it should be in the contract, po. read it carefully.

one accident is an accident.
two accidents is a coincidence.
three accidents... it's most probably the driver, po.

**brr** · December 6th, 2017 01:53 AM

2 incident reports po pinasa ko nung nag-claim ako, tapos tinanong ko sa agent ng insurance kung pano yung participation,sabi nya isa lang din daw participation. pero kahit 2 pa eh dapat 4k lang hindi 6k.
at kung per panel naman po eh front bumper at chrome bumper mldg lang yung papalitan sa loa kaya dapat 4k lang din hindi po 6k kaya nagtataka ako..