Help Please!!! Repair in advance then have the insurance reimburse the expense, how?

**yellowsalman** · November 20th, 2009 10:42 AM

hello,

i just had a minor accident and i only have one car and since my relatives from the states are coming this december. i would really be needing the car to be fixed right away. the problem is that my insurance claim is taking sometime. the adjuster is yet to inspect the car this monday. i was wondering if its possible to have the car repaired just after the inspection of the car this monday even without the LOA. i'm willing to shoulder the expenses as long as there is a possibility that the insurance company would reimburse me for my expenses. is this possible? how do i go about this?

the estimated cost of repair is 60K, so i expect that it will take sometime before the insurance company grants my claim.

**niky** · November 20th, 2009 11:01 AM

If you've fulfilled all the requirements, the insurance company is compelled to act upon the claim within a short period of time.

How bad is the damage, and what brand is the car? Some casas give loaner units... while Honda (and this is neat) will give you temporary replacement body parts while they're fixing your original ones.

**yellowsalman** · November 20th, 2009 11:30 AM

my car is a honda. i'm not sure if honda cavite, the casa nearest my home, have loaner units. i'll check anyway.

thanks

**hammerhead2** · December 18th, 2009 03:11 AM

Originally Posted by yellowsalman

my car is a honda. i'm not sure if honda cavite, the casa nearest my home, have loaner units. i'll check anyway.

thanks

interesting. my car is also there and we both have the same insurance provider that sucks. Did you get a loaner unit?

**mark_t** · December 18th, 2009 07:24 PM

Originally Posted by yellowsalman

hello,

i just had a minor accident and i only have one car and since my relatives from the states are coming this december. i would really be needing the car to be fixed right away. the problem is that my insurance claim is taking sometime. the adjuster is yet to inspect the car this monday. i was wondering if its possible to have the car repaired just after the inspection of the car this monday even without the LOA. i'm willing to shoulder the expenses as long as there is a possibility that the insurance company would reimburse me for my expenses. is this possible? how do i go about this?

the estimated cost of repair is 60K, so i expect that it will take sometime before the insurance company grants my claim.

You let your broker/agent advance the payment for the repairs.
If the damage is within 100,000.00php they can manage.

**mark_t** · December 18th, 2009 07:26 PM

Originally Posted by niky

If you've fulfilled all the requirements, the insurance company is compelled to act upon the claim within a short period of time.

How bad is the damage, and what brand is the car? Some casas give loaner units... while Honda (and this is neat) will give you temporary replacement body parts while they're fixing your original ones.

I think they have to act within 30 days.
If carnapped they have to pay within 90days.