HELP: Commonwealth Insurance denying coverage

**cdl** · February 8th, 2019 08:07 PM

Originally Posted by dubidubidapdap

Made-deny talaga yan since you opt for an Own Damage Claim in the first place when its actually not.
Ang lumabas kasi, you agreed with the other party na si Insurance nyo ang magsuffer instead of the other party's Insurance Company. That is basically what you agreed upon when signing yung written agreement nyo.

I think you should have filed for the basic Property Damage Claim instead since di kayo magkasundo ng other party and their insurance. Because the way I see it, kung Php200,000.00 lang ang maximum Third-Party Property Damage Claim ni other party, problema na nila yun kung saan nila kukunin yung remaining Php300,000.00 for repair and not your Insurance Company.

Edit. Depende sa nakasulat sa agreement nyo ni other party, there could be a chance na hindi ma i-honor yun if it was properly and carefully worded like.. you agree to use your insurance pero kapag nadeny eh babayaran ka ng full Php500,000.00. ganyan. hehe. Talk to your Insurance muna. They have lawyers and will surely help you out than the other party or their Insurance Company. hehe

This is well noted. We might set a meeting with them next week to get their advise for our next steps. Thanks!!

**cdl** · February 8th, 2019 08:17 PM

Originally Posted by EQAddict

I agree. It seems --- no, it is clear - - - you wanted to defraud your own insurance company by claiming own damage when it was never own damage.

The insurance company lawyers will have an easy case on this one. And they have written proof. I think you will get no claim from your insurance company. Sad part is.. Since you signed a quit claim with the other party... You will not be able to claim from them yourself. Masakit but it is what it is.

You should have consulted your insurance company before signing any agreement to begin with.

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Thanks for the feedback. But based on personal and friends' experiences, we can always choose kung kaninong insurance ang gusto mo gamitin. We had the same issue before where yung nakabangga ay walang insurance dahil luma na yung car nya. It's stated din sa police report na we settled and agreed na we will use our own insurance and he will just pay for the participation fee. And they covered it. Maybe malaki lang kasi talaga yung bangga ngayon kaya tinetechnical nila kame.

**sirkosero** · February 8th, 2019 10:01 PM

Originally Posted by cdl

Thanks for the feedback. But based on personal and friends' experiences, we can always choose kung kaninong insurance ang gusto mo gamitin. We had the same issue before where yung nakabangga ay walang insurance dahil luma na yung car nya. It's stated din sa police report na we settled and agreed na we will use our own insurance and he will just pay for the participation fee. And they covered it. Maybe malaki lang kasi talaga yung bangga ngayon kaya tinetechnical nila kame.

Papaano ba ang wording ng kasulatan nyo? Kung nakasulat na it is compensation for the unavailability of your car while being repaired, may habol ka pa.

Pero kung nakaindicate na yung pera given to you frees them from all liens and liability and you will transact directly with youe insurance, malabo talaga yan.

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**2lits17** · February 8th, 2019 11:12 PM

dapat nag ka sundo lang kayo ng other party na sasagutin nila yun gastos pero walang exact amount tsaka dapat hinde pinapakita sa insurance mo. gentlemans agreement lang ba, kung tinakbuhan ka then no choice you pay the participation fee. kaso siningil mo na agad may allowance pa to cover your travel expense during nasa casa yun sasakyan. so parang quit claim na yun tapos sinabi mo pa sa insurance mo.

you know naman insurance companies sa pinas they will find way para malusutan nila liability nila, being honest is not that bad pero kasi insurance kausap mo eh. you should know how it works.

gano kalaki damage sa oto mo? care to post some pic? ok lang kung ayaw mo bro.

good luck sana maayos

**dct** · February 9th, 2019 12:45 AM

Malabo ata to. Ano bang lumabas sa police report mo? Yung other party ang mali? Sasagutin lang yan ng insurance kung ikaw ang may mali sa accident.

Default is, babayaran ka ng insurance. Pero sisingilin si other party kung sya ang mali. Pero dahil nag sign ka na, pano pa nila sisingilin si other party?

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**aNthraxx** · February 9th, 2019 06:37 AM

As far as i know you can claim OD if the other party cant pay for it. Done it several times na commonwealth din insurer ko but we dont have written agreements like yours.

Sabi ko di kaya bayaran then siningil lang ako ng participation fee which sinigil ko din dun sa naka banga.

Now they said hahabolin nila yung naka bangga i dont know the insurance din nun or the owner mismo and they would give back my participation fee if they paid.

Key thing is i told them the offending party cannot pay so i claimed sa OD minus any written agreement or a suggestion of any agreement.

There was this other case na i refused to claim from my OD and insisted the offending party to pay for the damage of my other car kasi na inis ako dun sa naka bangga. I was stationary and he rear ended me so careless talaga.

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**shadow** · February 9th, 2019 07:37 AM

Pinapahirap ninyo kaso pag claim eh since you have comprehensive insurance, kung na involved kayo sa accident whether it's your fault or not just claim it sa insursnce ninyo and let them handle everything.

Gumugulo kasi bakit pa ninyo gusi ipasagot doon sa nakabangga yun participation ninyo saka bakit kailangan pang meron additonal na allowance?

Never ako humingi ng participation pay sa nakabangga sa akin and I don't care kung meron siya insurance or wala. Bahala siya makipagusap sa insurance ko basta papasok ko na sa casa as soon as possible para magawa na.

Kung wala siya insurancd the it's not my fault hinde ko na rin entertain kung nakikiusap kung pwede na siya na lang magbayad ng deductible pero papalabasin na hit or run or something.

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**papi smith** · February 9th, 2019 07:56 AM

Spot on Sir Shadow, OD or TPL, comprehensive insurance means comprehensive [emoji16]

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**ninjababez** · February 9th, 2019 08:55 AM

Originally Posted by shadow

Pinapahirap ninyo kaso pag claim eh since you have comprehensive insurance, kung na involved kayo sa accident whether it's your fault or not just claim it sa insursnce ninyo and let them handle everything.

Gumugulo kasi bakit pa ninyo gusi ipasagot doon sa nakabangga yun participation ninyo saka bakit kailangan pang meron additonal na allowance?

Never ako humingi ng participation pay sa nakabangga sa akin and I don't care kung meron siya insurance or wala. Bahala siya makipagusap sa insurance ko basta papasok ko na sa casa as soon as possible para magawa na.

Kung wala siya insurancd the it's not my fault hinde ko na rin entertain kung nakikiusap kung pwede na siya na lang magbayad ng deductible pero papalabasin na hit or run or something.

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first time siguro nangyari kay TS. ako din dito kay bro shadow natuto na wag na humingi or umasa sa participation fee and abala; dahil iinit lang ulo mo at sayang lang oras mo kaka followup.

**maxpedition** · February 9th, 2019 09:13 AM

Nung nabangga car ko humingi ako participation fee kasi yung bobong pulis na nagimbestiga nilagay sa police report parehas me kasalanan kahit obvious naman yung nakabangga skin dahil me kuha ng dashcam. Inaayos naman ni commonwealth insurance damage cost around 75k. Meron kami kasunduan nung nakabangga nakaindicate naman sa pinirmahan namin na sya magbabayad sa participation fee. Malaki lang amount nung ke TS kaya siguro mabusisi si insurance.

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