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Insurance Claim
10-17-2018, 09:26 PM
Post: #11
Insurance Claim
You have the option if you were using your own policy, I guess? Try to insist on getting it repaired sa casa, if possible.

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12-15-2018, 02:36 PM
Post: #12
Insurance Claim
After 3 months, I finally got the car fixed at Gaspeed, Las PiƱas. They used a surplus replacement tail light (transferred my old bulbs) but looks as good as my left side tail light with some buffing at the shop. Repainted bumper looks brand new. Very satisfied. They even replaced a burnt-out brake light bulb.

I also noticed that their shop is accredited by bpi/ms. I'll have the other scratches and dents evaluated then request to have the same shop do the repairs.

Umabot ng 3 months ang proseso dahil lang sa sched ko. The repair itself took 4 days.

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02-01-2019, 05:45 AM
Post: #13
RE: Insurance Claim
sharing this.

nabangga or binangga ako ng adventure kasi kinut ko daw sya, from c pillar to side mirror ang haba ng binangga nya, and obviously lasing sya kaya di na ako nakipagtalo buti nalang may traffic enforcer na malapit at tumawag ng pulis para mag investigate.

pagdating namin sa police station hindi na sya makatanggi na lasing sya at wala syang dalang OR/CR na sasakyan nya kasi nadukutan daw sya sa MRT, to his defense nakapangalan naman sakanya mga resibo ng casa. Here is the catch, hindi daw makakapag decide yung mga pulis kung sino ang at fault, dalahin daw namin sa korte. WTF?

I ended up pining him na
1. Hindi naman sya dapat mambangga ng nang cut/umovertake sakanya.
2. Hindi dapat sya nagddrive dahil lasing sya
3. Hindi dapat nilalabas yung sasakyan nya dahil walang rehistro
4. dress code violation kasi naka sinelas tapos professional drivers license gamit nya, I was wearing easysoft kahit muka akong tanga na naka basketball attire.

Still he wont admit that he is not at fault dahil kinut ko daw sya, pero dahil nga sa points above i made him pay for my insurance partication fee, which is WRONG.

Dapat pala insurance nya ginamit ko or sya pinagbayad ko kasi DUI sya kaya malamang hindi i-hohonor ng insurance yung clamin nya.

make sure na intindihin nyo yung participation fee, sakin its 0.50% of fair market value of the car or 2000 pesos, whichevever is higher.

Humingi ako ng 2000 pesos kasi akala din nung pulis ay yun na, but in my case its 0.50% or 3210. abono muna.

==claiming insurance==
Accident happened december 30 saturday night, nag bagong taon akong masama ang loob kasi ang haba ng gasgas ng kotse ko.

processing of insurance started morning january 2-4(their email always gets full), pinagsend ako ng mga picture along with the police report, drivers license, pictures of damage. Also proposed that I take the car to mitsubishi fairview/fairlane to get their quotation but they said no, I have to wait for their quotation first so ok.

evening of january 4 that I got confirmation na ok na yung images at for processing na yung claim ko.

evening of january 7 is when I got confirmation na approved na yung claim ko na may kasama pang quotation sa hindi ko kilalang shop, So I said na sa casa ko mismo ipapagawa so I went to mitsubishi fairlane to have the car fixed right away kasi may approved claim na ako. WRONG.

may LOA pa palang dapat ipa approve kung hindi ko ipapagawa dun sa shop na kasama ng quotaiton ni BPI MS.

LOA got approve evening of january 8 and dinala ko yung kotse sa fairlane january 9, car was finished january 15, since coding kinabukasan ko na nakuha.

takeaways :

1. dont drink and drive
2. make sure your papers and licenses are in order when you take your car out.
3. Do not settle for babayaran ko nalang participation fee mo, read and understand participation fee amount.
4. be persistent with your insurance provider, call then to confirm if all the documents they need is all good so for the process to begin.
5. take it as early as possible to your preferred repair shop/casa to get quotation so that insurance can process it and not their own shop quotation.

nung nagkasingilan nakami he ended up having his drivers license suspended for 3 months, his car was impounded and he is still working to get the registration.
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04-29-2019, 12:38 PM
Post: #14
RE: Insurance Claim
Good day peeps.

Got in an accident last night, Crosswind vehicle, scratch from front passenger up til (almost) sa right rear wheel.

2 senior citizens, said that they didnt feel or know what happened, showed them their bumper and confirmed the damages.

Sabi naman ni driver e ok ncaman daw they wont run away from the incident.

We didnt get a traffic officer check out the incident, driver just assured me that he'll pick up payments for damages.

Took his mobile and landline numbers, pic of his Senior Citizens ID, took a pic of his vehicle plate. Crosswind driver cant even read stuff on his mobile phone. Uwi na.

I have comprehensive insurance that'll expire this June.

Question is, how do I go about on insurance, insurance nya ba gagamitin ko or sa kin, and enough info na ba yung nakuha ko to process the claim?

Anu pa kaya pwede ko gawin, para mapablis and less hassle ang pag claim ng insurance at mapagawa agad auto, Maraming salamat.
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04-29-2019, 01:58 PM
Post: #15
RE: Insurance Claim
@drew3279

dapat police report agad once nasa accident, mahirap yan kasi tatakbuhan ka nyan at wala kang habol.. maki-coordinate ka na sa insurace agent mo asap.
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04-29-2019, 04:20 PM
Post: #16
RE: Insurance Claim
@shadir41

O nga e, ala ako mahanap na traffic officer nung time n un, sige kontakin ko n nga insurance agemt namin. Salamat.
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06-05-2019, 11:46 PM
Post: #17
RE: Insurance Claim
hi Good evening mga ka-MPH,

Unforunately nabangga din ako ng motor sa intersection, nabangga nya ako sa side nung nasa gitna na ako ng intersection at talagang mabilis siya para sa kalsadang yun.

tumba siya pero mabuti at hindi naman malala injury nya kahit na siya may kasalanan.

Initially in denial siya sa fault nya pero eventually nagkasundo na lang na kanya kanyang paayos na lang sa damage at wala nang habulan at di na kami umabot sa pulis. Pero ang ginawa ko na lang kumuwa ako ng police report para sa hit and run.

Pero kakaiba lang sa case ko ay last March ay nakapag claim na ako ng insurance as own damage dahil nagasgasan ako habang pumapark ako sa garahe namin at inayus na.

Ang tanong ko makakapag claim pa kaya ako sa insurance ng isa pa within the same year?

Thanks po
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01-17-2020, 01:50 PM
Post: #18
RE: Insurance Claim
Pwede yan papi.
@wanderer

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02-11-2020, 11:39 PM
Post: #19
RE: Insurance Claim
Quote:hi Good evening mga ka-MPH,

Unforunately nabangga din ako ng motor sa intersection, nabangga nya ako sa side nung nasa gitna na ako ng intersection at talagang mabilis siya para sa kalsadang yun.

tumba siya pero mabuti at hindi naman malala injury nya kahit na siya may kasalanan.

Initially in denial siya sa fault nya pero eventually nagkasundo na lang na kanya kanyang paayos na lang sa damage at wala nang habulan at di na kami umabot sa pulis. Pero ang ginawa ko na lang kumuwa ako ng police report para sa hit and run.

Pero kakaiba lang sa case ko ay last March ay nakapag claim na ako ng insurance as own damage dahil nagasgasan ako habang pumapark ako sa garahe namin at inayus na.

Ang tanong ko makakapag claim pa kaya ako sa insurance ng isa pa within the same year?

Thanks po

Update lang for reference, I was able to claim again sa insurance. Ang nangyari lang pinalabas ko as hit and run tapos kumuwa ng affidavit sa nearest police station that time
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