My car was repaired during holy week and up to now part of the claim has not been settled. Can you guys provide me a name at the Insurance Commission where I can direct my complaint.



Background:

My Hyundai Tucson was vandalized sometime late last year, reported it to the insurance through my dealer (Hyundai Global who also handled the insurance) on December and scheduled the repairs after February due to some personal activities that can not be avoided.

I chose Standard Insurance through the Hyundai Global due to its superior offer: if the repairs go over P10,000, there will be zero participation PLUS they will provide a loaner car while your car is being repaired.

When the time came to have my car repaired, I asked for the loaner car. And the dealer couldn't provide me with one. I found out later that subsequent offerings of the insurance did not include the loaner car provision but a new provision was added - P500.00 a day for loss of use.
They probably realized the logistical requirement of providing a loaner car and discontinued the offer.

When they can not provide me with one, the Hyundai Global insurance manager (who has since left) offered me the loss of use clause of the newer policy instead of providing me a loaner car. For benefit of goodwill, I agreed. Total claim for my loss of use is 8 days or P4000.00.

So the car was repaired, I didn't pay anything due to the zero participation, I got my car and assumed they will process my loss of use claim.

After a month I decided to follow up and lo and behold they have so many questions. They said I am not qualified for loss of use as my policy was loaner car. I countered that they did not and never had any loaner car. That it was actually false advertising and (most likely) a violation of some Insurance commission code.

Up to now, they insist that they are processing my claim, and I just have to be patient. But everytime I go there, it seems that that was the only time they look at my papers. They're courteous and all but I feel that they are just giving me a run around and I am losing my patience (after 6 months!)

Can anybody provide me contact person at the Insurance Commission to direct my complaint.

Thanks