Please help with my insurance claim

[akosieric]

Hi Guys,

Need your help. I'm a new driver and nadamage ko ung sasakyan ko(own damage). bago palang ung car sakin nung nabangga ko so wala pa insurance policy, OR/CR(under bank loan), and wala pa LTO OR/CR(c/o CASA). Nung magclaclaim na ako ng insurance(standard insurance through BDOi) ang naibigay ko lang ay affidavit, insurance advice, pictures, drivers license(with receipt photocopy) and sales invoice. Sinabi sakin ng BDO na itatanong pa sa claim officer kung pwede na kahit un lang ung documents. Ganun ba talga? Hindi ba dapat accepted ung documents since bago palang ung car? and dpat from the day na mailabas sa CASA ung sasakyan ay insured na. Please help kung ano dapat kong gawin. According sa standard insurance website 3 days lang ung processing, pang 5th day na bukas wala paring call/email from claim officer.

[kishAn]

Hi Guys,

Need your help. I'm a new driver and nadamage ko ung sasakyan ko(own damage). bago palang ung car sakin nung nabangga ko so wala pa insurance policy, OR/CR(under bank loan), and wala pa LTO OR/CR(c/o CASA). Nung magclaclaim na ako ng insurance(standard insurance through BDOi) ang naibigay ko lang ay affidavit, insurance advice, pictures, drivers license(with receipt photocopy) and sales invoice. Sinabi sakin ng BDO na itatanong pa sa claim officer kung pwede na kahit un lang ung documents. Ganun ba talga? Hindi ba dapat accepted ung documents since bago palang ung car? and dpat from the day na mailabas sa CASA ung sasakyan ay insured na. Please help kung ano dapat kong gawin. According sa standard insurance website 3 days lang ung processing, pang 5th day na bukas wala paring call/email from claim officer.

nakaloan ba yung unit?

[akosieric]

nakaloan ba yung unit?

Yes po nakaloan sya sa BDO. Tpos through BDOi din ung insurance.

[kishAn]

Yes po nakaloan sya sa BDO. Tpos through BDOi din ung insurance.

if nakaloan dapat wala ng problema, yung bank's copy ng insurance nasa bdo na yun before marelease ang unit from casa. hindi naman papayag ang bank na walang insurance or may discrepancy sa insurance kahit isang letra lang bago marelease. ang question lang is bakit wala pa saiyo yung copy mo ng insurance. tingin ko nman eh makakaclaim ka pero may delay lang

[akosieric]

follow-up mo lang, mabagal talaga yan insurance kase loss para sa kanila yan...

from day 1 naka insured na yan kase pagmamayari ng banko yan habang di ka pa fully paid at ayaw naman ng banko na wala na yong kotse dahil sa aksidente pero bayad ka pa din ng bayad ng monthly dues...

if nakaloan dapat wala ng problema, yung bank's copy ng insurance nasa bdo na yun before marelease ang unit from casa. hindi naman papayag ang bank na walang insurance or may discrepancy sa insurance kahit isang letra lang bago marelease. ang question lang is bakit wala pa saiyo yung copy mo ng insurance. tingin ko nman eh makakaclaim ka pero may delay lang

Thanks Stigg ma and kishAn. Pinapalakas nyo loob ko. Ang binigay sakin ng BDOi ay insurance advice. Eto kasi sabi sakin nung kausap sa insurance:
"As of now, we are still waiting for the feedback from Claims Officer if it is possible to not provide the needed requirements for claims. But as you mention before you only have sales invoice, license with receipt and insurance advice. May we request if you can send us the copy of those documents? So we can request our Claims Officer to call you immediate on how they will going to assist you with your concern. Once we receive it, we will forward it to them for proper handling."

Parang sinasabi nya kasi sakin na possible na hindi ako makapagclaim or matatagalan. May possibility ba talga na hindi ako makapagclaim?

[kishAn]

Thanks Stigg ma and kishAn. Pinapalakas nyo loob ko. Ang binigay sakin ng BDOi ay insurance advice. Eto kasi sabi sakin nung kausap sa insurance:
"As of now, we are still waiting for the feedback from Claims Officer if it is possible to not provide the needed requirements for claims. But as you mention before you only have sales invoice, license with receipt and insurance advice. May we request if you can send us the copy of those documents? So we can request our Claims Officer to call you immediate on how they will going to assist you with your concern. Once we receive it, we will forward it to them for proper handling."

Parang sinasabi nya kasi sakin na possible na hindi ako makapagclaim or matatagalan. May possibility ba talga na hindi ako makapagclaim?

based on the qouted paragraph above. wala naman bro sinabi na possible na hindi ka makakaclaim or matatagalan. ang sabi ata eh is "As of now, we are still waiting for the feedback from Claims Officer if it is possible to not provide the needed requirements for claims" inaantay nila yung feedback ni claim officer kung posible bang hindi na iprovide yung mga kailangang requirements. pero malamang madedelay talaga, wala ka ba bro loan acct officer na naghandle ng loans mo para sya yung ngpafollow up?

[Stigg ma]

Hi Guys,

Need your help. I'm a new driver and nadamage ko ung sasakyan ko(own damage). bago palang ung car sakin nung nabangga ko so wala pa insurance policy, OR/CR(under bank loan), and wala pa LTO OR/CR(c/o CASA). Nung magclaclaim na ako ng insurance(standard insurance through BDOi) ang naibigay ko lang ay affidavit, insurance advice, pictures, drivers license(with receipt photocopy) and sales invoice. Sinabi sakin ng BDO na itatanong pa sa claim officer kung pwede na kahit un lang ung documents. Ganun ba talga? Hindi ba dapat accepted ung documents since bago palang ung car? and dpat from the day na mailabas sa CASA ung sasakyan ay insured na. Please help kung ano dapat kong gawin. According sa standard insurance website 3 days lang ung processing, pang 5th day na bukas wala paring call/email from claim officer.

follow-up mo lang, mabagal talaga yan insurance kase loss para sa kanila yan...

from day 1 naka insured na yan kase pagmamayari ng banko yan habang di ka pa fully paid at ayaw naman ng banko na wala na yong kotse dahil sa aksidente pero bayad ka pa din ng bayad ng monthly dues...

[dishcom]

Grabe ang damage. 60k agad.. Pero diba dapat dadalhin muna sa casa papa estimate. Then si casa na mag foforward sa insurance. Then approve na lang ni insurance... if ok pa ang auto pwede mo pa e uwi. Then pag na approve tiyaka mo dalhin ulit sa casa para gawin..

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[akosieric]

Ganyan din nangyari sa akin, bago pa lang, disgrasya na agad, so pinapa full payment agad ang premium, ok lang kasi ang amount ng claim net of participation ay 5 years na premium ko na

papi smith. Ung sayo ba dati gaano katagal processing? Mabilis lang? Yung sakin natatagalan ako sabi kasi 3-4 days lang. After one week of email exchange with BDOi customer support walang nangyayari, ngtext ako sa BDO branch na pinagapplyan ko ng loan nalaman ko na sabi daw ng insurance kung gusto ko daw na mapabilis ang processing bayaran ko daw ng buo ung insurance premium(currently 12 mos to pay). Nung sinabi ko sa BDOi na "sabi daw ng bdo branch need ko bayaran ng buo, bkit ngaun lang sinabi?, bkit hindi yan binabanggit ng BDO support?" sinabi daw nila un sa bdo branch na inapplyan ko last week pa. Nagtuturuan pa sila may contact details nman ako sa kanila. Kung hindi ako ngtxt hindi ko malalaman sayang ung 1 week na time. Pag daw nabayaran ko na ung premium additional 4 days processing na nman.

Grabe ang damage. 60k agad.. Pero diba dapat dadalhin muna sa casa papa estimate. Then si casa na mag foforward sa insurance. Then approve na lang ni insurance... if ok pa ang auto pwede mo pa e uwi. Then pag na approve tiyaka mo dalhin ulit sa casa para gawin..

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Sa CASA ko sya pinaestimate. Hindi kasi inhouse ung insurance ko kaya ako lahat nglalakad.

[dishcom]

Hindi partner ng casa ang insurance mo.. yan pala ang dis advantage ng hindi partner ng casa ang insurance. Ikaw mismo mag lalakad. pero matagal talaga mag approve ang insurance. 7 working days ang pangako nila pero minsan umabot ng 2weeks..

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