tag:blogger.com,1999:blog-5229021140010774239.post4436869815839788561..comments2023-04-04T00:26:20.327+08:00Comments on Car Owner's Guide and Automotive News: Vehicle Insurance ClaimMiriam Barredohttp://www.blogger.com/profile/09307081505648565668noreply@blogger.comBlogger193125tag:blogger.com,1999:blog-5229021140010774239.post-16151826613765764212019-03-17T18:04:52.104+08:002019-03-17T18:04:52.104+08:00Goodmorning Ms.Mirriam....yung brother ko po may n...Goodmorning Ms.Mirriam....yung brother ko po may nakabanggaan na motorcycle, yung sakay po ng motorcycle e na-ospital, wala naman pong nangyaring masama sa condition ng brother ko, may damages lang po yung kotse nya na may comprehensive insurance naman po...noon mismong oras ng aksidente, dinala sya sa presinto ng mga dumating na police, at pagkatapos na mahingan sya ng statement / blotter, kinulong sya...tama po ba yung proseso na iyon?<br />Anonymoushttps://www.blogger.com/profile/03282841589195194018noreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-27822383069384058402018-11-28T16:15:58.361+08:002018-11-28T16:15:58.361+08:00I think this is the best time to claim my vehicle ...I think this is the best time to claim my vehicle insurance. To be honest, I really don't have any idea to do the process. Thanks for this post, it helps me a lot.Lucy26https://www.ecomparemo.com/vehicle-insurancenoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-88344110386960600842018-02-22T13:01:52.434+08:002018-02-22T13:01:52.434+08:00I had a car accident faulted by the other party. T...I had a car accident faulted by the other party. They offered to shoulder our car’s repair chargers through their insurance and requested for a certificate of no claim from our own insurance. Unfortunately, we overlooked the renewal of our motor insurance. How do we go about it? Thanks. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-60718710031690090052018-01-19T19:36:16.387+08:002018-01-19T19:36:16.387+08:00Hi ma'am,
Can I claim the money that should be...Hi ma'am,<br />Can I claim the money that should be used for minor repair for my car instead of using it for actual repair?Someonehttps://www.blogger.com/profile/10974990420360571913noreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-86624391778903588102017-10-21T23:45:05.350+08:002017-10-21T23:45:05.350+08:00Hi Ma'am Miriam...in connection to Sir Joseph&...Hi Ma'am Miriam...in connection to Sir Joseph's case. We have almost the same case. The difference is that the INSURANCE COMPANY is the one whose asking me for the payment of the DAMAGE RECOVERY (the amount that they paid to the auto repair shop) and they had send me a (2nd) demand letter last September 13 & happend to received it last October 9 . The incident happened last May 26 we had that car damage/incident. And the owner of the NISSAN ALMERA had an OWNED DAMAGE insurance. And ours was a THIRD PARTY LIABILITY only. The owner (assured) aggreed to used her OD insurance & then only asked us to pay the amount of participation fee as part of the settlement. So,then the day after the incident happened, it was May 27 they directly go to the authorized auto repair shop of their unit (car) for the estimate cost of the damage which is 14,500 but unfortunately a month after (June 23) the "RE-ESTIMATE" or estimation done on that day it turn out that the damage cost reach to 32,370 for the reasonable or unreasonable cause of the damage subject for replacement of the tail light which is not part of the damage we made. And if we base on the POLICE REPORT, the initial investigation conducted disclosed that it stated there the cited place, time & date happened then it stated only the result was they incurred damage (rear left side portion) and we also incurred damage too (left portion) so its kind a mutual. Both parties commit damage.<br />So Ma'am Miriam my question... Is it a legal way of the INSURANCE COMPANY that they will send me a demand letter asking for the "DAMAGE RECOVERY" because of their client has referred them to take a proper action asking for a claims. Am I responsible to pay the damage recovery, knowing that the owner itself that we both aggreed upon that they will only asked for the participation fee? Do I have to asked them the CERTIFICATE OF NO CLAIM? To the owner? What shall I do with this Ma'am?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-14754430687839180702017-09-04T16:28:18.267+08:002017-09-04T16:28:18.267+08:00Good day maam hingi po sana kami ng advice 1month ...Good day maam hingi po sana kami ng advice 1month old palang po ung hilux namin accidentaly nahulog kami sa kanal na putik ng pag iwas namin sa kasalubong na motor ang damage po ay d naman kalakihan bumper, hood, windshield, airbag at brace ang tinamaan, kumpleto na kami ng papeles at dinala na namin sa toyota ang unit nung enestimate napo ay umabot po ng 1.3m ang gastos pag po ba dineclare ng insurance na totaly loss po ba ano po magandang paraan jaan maam? Salamat poAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-51131228634088755572017-04-16T22:17:23.859+08:002017-04-16T22:17:23.859+08:00hi' nabangga ng kapatid ko yung kotse ko, tota...hi' nabangga ng kapatid ko yung kotse ko, total wreck, sasagutin po b ng insurance, salamat po sa sasagotAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-33108249158996805862017-04-10T15:00:44.721+08:002017-04-10T15:00:44.721+08:00Hello Ms. Mirriam.
This is Jeph. Ask mo lang if an...Hello Ms. Mirriam.<br />This is Jeph. Ask mo lang if ano legal action pupuede ko gawin laban sa car insurance company na kinuha ko para sa car ko sa pinas. last Nov 2016 nabangga yung car ko ng kapitbahay namin at nagasgasan yung right side ng car ko. the same day inayos ko yung police report at iba pang docs para sa insurance claim ko. pinuntahan ng insurance yung car ko to check the damages at sinabing 2k yung magiging particiption fee ko. after nun patuloy kong pina follow up pati naring kapatid ko sa pinas yung insurance and ang sagot lang samin ay on process parin yung application approval ng claims ko. usual ba ito? from Nov 2016 till now April 2017. bali nag pa canvass narin ako sa kia motors at sinabi na 12k magastos ko sa repair ng car ko. nagyon April 24, 2017 last payment ko sa insurance ko (I am paying quaterly = 5k for 1 year). ano po ba puede ko gawin aksyon? <br /><br />marami pong salamat sa inyong magiging tugon at advise.<br />Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-87378752487399138992017-02-26T18:27:17.645+08:002017-02-26T18:27:17.645+08:00 Hi Mirriam, Good day to you... may nkabunggoan ak... Hi Mirriam, Good day to you... may nkabunggoan akong honda car ang gamit ko motor. gusto ko sanang ipa police report kaso nagmamadali daw cla kya kinuha nlang number ko at tatawagan nlang daw ako pag nalaman na kung magkano ang participation fee o babayaran ko sa kanila.<br /><br />Ask ko lang po kung kailangan ko ba pong magbayad ng participation fee kahit wlang police report at di alam kung sino talaga may kasalanan? Ano po dapat kung gawin?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-17303948964491989112017-02-15T18:50:18.675+08:002017-02-15T18:50:18.675+08:00Hi Ms. Miriam, an elf truck has hit my left fender...Hi Ms. Miriam, an elf truck has hit my left fender and headlight with his rear end while he is turning right and i'm on stop position on my lane. On our discussion they agreed that it will be the insurances to cover the damages. We filed a police report for this. As per our email discussion, I will file it on my insurance instead due to checking it seems there insurance is quite slow and has some negative feedbacks as per my research and told them that I will file this on my insurance and my insurance will bill your insurance instead. They send me a copy of their insurance and it seems it's CTPL only with no property damage and also now they shared me a certificate of no claim? Technically there is no damage on their side. What is the expected outcome or best way to manage this such scenario and what actions will my insurance do in such that there insurance does not cover such claim for property damage?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-78611552888585492492017-02-02T00:37:56.169+08:002017-02-02T00:37:56.169+08:00Hi Ms Mirriam, Stef here. Had a multiple collision...Hi Ms Mirriam, Stef here. Had a multiple collision at NLEX in Feb2015 involving 2 other cars. I was the last vehicle (no insurance) hence i was told i was at fault and it was reflected on the police report i signed out of panic. Car 1 agreed to do own damage, i paid for his participation fee. Car 2 (brand new SUV) which had front and rear damages, i pleaded to file for own damage as well but never got resolution as i never had the chance to talk directly with the owner days after the accident--just with his secretary. I didnt hear from them for 2 YEARS until today when they sent a demand letter addressed to my Dad (car is registered in his name). I guess my question is, whats the best thing i should do? I'm a nervous wreck and I certainly cannot afford to pay that huge amount. Whats the worst thing that could happen if we dont agree with whats on the demand letter? Thanks and any help would be very much appreciated. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-36557844482002700812017-01-15T12:39:56.861+08:002017-01-15T12:39:56.861+08:00Car accident case of a senior citizen
My father go...Car accident case of a senior citizen<br />My father got into an accident last July. He fell asleep for 5 secs towards a curve and hit approaching vehicle. Total wreck for the car my father was driving and the utility van had some damages and passenger had an injury.<br /><br />At the police station, apart from the repairs which will be shouldered by the insurance, victim requested for a P1,000/day payment for the loss income per day since they are using the vehicle for business. My father, still under trauma, signed the police report. <br /><br />Months past and the vehicle was repaired 6 months after. The victims are now claiming the cash payment and refuses to get the vehicle which is already done until my father settles the whole amount, around P 180k. My father is a senior citizen with no source of income except for his pension and minimal allowances from his children. <br /><br />They met in December, and my father gave P10k to the victims. They are threatening to sue my father if he won't settle the amount. We consulted a lawyer and was advised that our only obligation is to have the vehicle repaired and we have already settled expenses for medication of the injured passenger. Since there were no deaths, we are not obligated to pay for loss income even if it is in the police report. <br /><br />Need your advise please.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-68752933929600558482017-01-04T19:41:47.463+08:002017-01-04T19:41:47.463+08:00Hi Anonymous, it is V3's obligation to pay for...Hi Anonymous, it is V3's obligation to pay for the total repair of your vehicle regardless of whether their insurance can cover the total repair cost or not. It would be prudent for them to pay your deductibles n depreciation cost. However, your insurance will eventually run after them to pay the rest if the police report indicates them to be the cause of the accident. Miriam Barredohttps://www.blogger.com/profile/09307081505648565668noreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-5695582944007499522017-01-04T17:57:35.382+08:002017-01-04T17:57:35.382+08:00Hi Miriam,
My car got involved in a multiple col...Hi Miriam,<br /><br />My car got involved in a multiple collision accident.<br /><br />V1 - My Car<br />V2 - 2nd Car<br />V3 - Taxi<br /><br />All vehicles were traversing the same direction, V3 (Taxi) bumped the V2(2nd car) and eventually hit V1(My Car). We all agreed to use V3's comprehensive insurance. The problem is that V3's 'Property Damage' coverage is only Php 50,000.00. The estimate on V1's car damage is way beyond V3's limit(Php 120,000). V1 has a comprehensive insurance and is a 5 year-old car hence subject for depreciation. I V1 will use his own insurance as own damage, can V1 force V3 to pay for the participation fee?<br /><br />Thanks!<br />Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-50697884574058241282016-12-12T23:12:29.258+08:002016-12-12T23:12:29.258+08:00Hello. Ask ko lang, kapag ba brand new car as in i...Hello. Ask ko lang, kapag ba brand new car as in ilang months pa lang, then nabangga sa gutter and need to replace it, may deductible and depreciation pa rin bang babayaran? Thanks!Cachemehttps://www.blogger.com/profile/17965442071055709876noreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-78336996129291694022016-12-08T14:31:41.953+08:002016-12-08T14:31:41.953+08:00Hi po good afternoon, need advice po kasi ung pamp...Hi po good afternoon, need advice po kasi ung pampasahero jeep namin nka banga po ng hyundai tucson 2009 model, and according sa respondent officer ung driver namin ang at fault.. humingi cla ng insurance namin at or/cr ng jeep para mka claim sana sa insurance, kaso po ung insurance ng jeep namin is tpl lng wala po comprehensive, ung sa side namin po nila meron po comprehensive pero di daw cover ng insurance nila kasi daw po 3rd party kami daw mag shoulder ng expenses sa pag repair.. now po ay hinihingan kami mg 79k with estimate po ng pag repair & replace ng isa panel door sa likod sa may left side... pwede po ba na ipagawa nlng namin sa autoshop ung pag repair ng tucson nila? Tsaka pag di po cla pumayag ano po dapat namin gawin? Please po we really need advice on what to do. Thanks poCloydnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-27783204500958883812016-11-19T21:14:29.944+08:002016-11-19T21:14:29.944+08:00Magandang Araw Ms. Barredo,
Maraming salamat po ...Magandang Araw Ms. Barredo, <br /><br />Maraming salamat po sa blog na ito at malaking tulong para sa min gustong mag consult sa at nasasagot naman po agad agad. <br />May nangyari pong incident kagabi Nov 18, Friday, sa hi-ace van namin sa Alabang Muntinlipa. Bali nahagip po ng RRCJ bus ang unahan bandang right side ang van namin, tanggal po ang bumper at gasgas ang ilaw at tupi bandang taas ng ilaw. Pumunta po ang driver namin at driver ng RCJJ sa Police station sa Alabang at gumawa po ng statement para sa police report. Inako naman po ng bus driver na sya ang may kasalana. Maari po ba ninyo akong payuhan kung ano po ang dapat gawin sa van namin, bago pa po ito at wala pang isang taon. May insurance po sasakyan namin. Pero gusto po namin ipaako sa bus company ang lahat ng gagastusin sa damage nito sa sasakyan namin. Maari po ba ninyo akong tulungan Ma'am. First car owner po kami, kaya wala pa kaming masyadong experience sa mga ganitong situation. Nag worry po ako, na baka kung san lang nila ipagawa ang sasakyan namin, gusto po namin e sa mismomg dealer kung san namin nabili ang van. Para maka pante at pasa sa standard nito. Marami pong salamat at umaasa po ako na masagot nyo ang concern ko.<br /><br />Sincerely,<br /><br />Exie Razon<br /><br />Exiehttps://www.blogger.com/profile/05824981059563927874noreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-81159858064282705942016-11-09T22:10:46.010+08:002016-11-09T22:10:46.010+08:00Body Builders issue a Certificate on the type of b...Body Builders issue a Certificate on the type of body they install on the truck's cab and chassis. This is needed for the LTO registration of the unit. It is issued to either the owner or to the auto dealer. So I am sure they have either info on their files. Miriam Barredohttps://www.blogger.com/profile/09307081505648565668noreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-17568247192900846182016-11-09T22:05:13.992+08:002016-11-09T22:05:13.992+08:00Hello did you notice the brand of the truck? Knowi...Hello did you notice the brand of the truck? Knowing the brand of the car will narrow down your search to the car dealers of that specific brand. You can also approach the main LTO for help in your search. RegardsMiriam Barredohttps://www.blogger.com/profile/09307081505648565668noreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-54184033211885487582016-11-09T18:03:35.215+08:002016-11-09T18:03:35.215+08:00Ms. Miriam,
Hi, good day po.
I just hope to inqu...Ms. Miriam,<br /><br />Hi, good day po.<br /><br />I just hope to inquire, though a bit off tangent sa insurance claim, kung paano ma-trace ang isang sasakyan, a closed van in particular, na naka-gasgas po ng front side ng front bumber namin (buti di nabasag yung glass headlight cover pero malapit dun yung gasgas), nangyari po ito nung October 29, 2016 along EDSA. Ang gusto lang po sana namin mangyari ay makausap mayari ng closed van at kahit paano ay ma-reprimand yung driver nung van at the time (na nakuhanan namin ng picture, bata pa) na huwag maging reckless sa pag-drive, nangyari po kasi ang incident dahil nag-cut siya bigla sa lane (inner lane) dahil gustong mag-overtake. Ang conduction number na nakuha namin ay NK4292 na may tatak na Coolaire yung kaha ng van (na may contact number ng Coolaire, na natawagan naman po namin, kaya lang ay sila lang daw nag-install nung pinaka-kaha nung van at di po nila alam yung nagma-mayari nung closed van - at least yun ang sabi nung nakausap ng misis ko at the time na natawagan namin, ang naipangako na lang po ng Coolaire ay tatawag sila uli sa amin kung may impormasyon silang makukuha tungkol dun sa nasabing closed van na pinagawa sa kanila). Hope that you or other people knowledgeable about this can help.<br /><br />Highly appreciate any advice/response.<br /><br />Mabuhay kayo sa inyong mga payo at tulong dito sa blog ninyo.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-4425025403332603232016-11-04T20:53:44.079+08:002016-11-04T20:53:44.079+08:00Hi Ms. Miriam,
Good evening.
Ma'am ask ko la...Hi Ms. Miriam,<br /><br />Good evening.<br /><br />Ma'am ask ko lang po kasi naaksidente po kami last week lang, total wreck po yung car. Mag 1 year po siya day before ng accident at the same time ng insurance so pasok pa po siya. Naka loan pa po siya sa bank. Insurance coverage is 650k and sabi ni bank nasa 400k ang outstanding balance ko pa sa loan.<br />Ayaw ko na po sana ituloy yung unit kasi mahaba pa yung process and ang dami babayaran and at the same time natrauma na dad ko sa pag drive.<br />Sabi ni bank, yung difference daw ng 650k and 400k ibibigay daw sakin, ituloy ko or hindi yung unit.<br />Nag tanong ako kay insurance, sabi nila may makukuha daw ako na amoung kapag itutuloy ko yung unit pero if hindi daw, wala na daw ako makukuha.<br />Ma'am kapag ganun po ba ang case, may makukuha po ba ako or wala? Ano po ba dapat ko sabihin sa insurance? <br />Thank you po.Ayamblessinghttp://ayamblessing.blogspot.comnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-81236197711206740472016-10-30T14:34:15.297+08:002016-10-30T14:34:15.297+08:00Hi Ms. Miriam,
Kapag own damage at third party cl...Hi Ms. Miriam,<br /><br />Kapag own damage at third party claim, itotal yun?<br />Saka iapply yung deductible? o hindi?<br /><br />Thank you!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-3596230721203955972016-10-07T19:26:23.344+08:002016-10-07T19:26:23.344+08:00Ms. Miriam,
Kapag cash settlement po ba need tala...Ms. Miriam,<br /><br />Kapag cash settlement po ba need talaga return yung mga parts na nireplace to the insurance bago makuha yung check for settlement?<br /><br />Thanks!Exzernoreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-22522762493958708922016-10-03T12:50:48.561+08:002016-10-03T12:50:48.561+08:00@Exzer Hello po. 20% depreciation share applies o...@Exzer Hello po. 20% depreciation share applies only to brand new replacement parts. If you will be amenable to the surplus replacement, you don't have to pay for the 20% depreciation share. However, you will still shoulder the deductible for the insurance claim. Best regardsMiriam Barredohttps://www.blogger.com/profile/09307081505648565668noreply@blogger.comtag:blogger.com,1999:blog-5229021140010774239.post-41795567648381184212016-10-03T12:04:14.204+08:002016-10-03T12:04:14.204+08:00Hi Ms. Miriam
Una sa lahat, salamat po sa blog ny...Hi Ms. Miriam<br /><br />Una sa lahat, salamat po sa blog nyo na ito at napakalaking tulong po.<br /><br /><br />May question rin po ako. <br /><br />Kung ang damage po ng sasakyan is bumper then insurance evaluator opt for replacement, which is for sure mahal and problema pa po is over three years na yung sasakyan kaya may 20% ng depreciation share. Ang tanong ko po is, kung sakaling pumayag sila ng palitan ko nalang ng replicate bumper from shops na malayong mas mura sa oem bumper, Do I still have to pay for the 20% share for the price ng replica? Or it only applied to Brand New OEM?<br /><br />Thanks in Advance po.<br />Mabuhay po kayo..Exzernoreply@blogger.com