HELP: Commonwealth Insurance denying coverage

[polar01]

Pinapahirap ninyo kaso pag claim eh since you have comprehensive insurance, kung na involved kayo sa accident whether it's your fault or not just claim it sa insursnce ninyo and let them handle everything.

Gumugulo kasi bakit pa ninyo gusi ipasagot doon sa nakabangga yun participation ninyo saka bakit kailangan pang meron additonal na allowance?


Never ako humingi ng participation pay sa nakabangga sa akin and I don't care kung meron siya insurance or wala. Bahala siya makipagusap sa insurance ko basta papasok ko na sa casa as soon as possible para magawa na.

Kung wala siya insurancd the it's not my fault hinde ko na rin entertain kung nakikiusap kung pwede na siya na lang magbayad ng deductible pero papalabasin na hit or run or something.





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+1 here. Straight forward. Dapat ganito natin i-appreciate yung compre coverage natin. Let the insurance companies do their job.

Palagay ko sa case ng TS is malaki yung claim then insurance company found out na may areglohan pa including damages.

Baka nga dito nag usap din nung insurance company ng nakabangga to just deny the claim base on the agreement between TS and yung nakabangga.


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[shadow]

+1 here. Straight forward. Dapat ganito natin i-appreciate yung compre coverage natin. Let the insurance companies do their job.

Palagay ko sa case ng TS is malaki yung claim then insurance company found out na may areglohan pa including damages.

Baka nga dito nag usap din nung insurance company ng nakabangga to just deny the claim base on the agreement between TS and yung nakabangga.


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Eh kasi nga sa katiting na halaga ₱10k+₱3k nawala tuloy yun ₱400k+

Kung wala naman kasi nasaktan huwag na kayo makipagusap doon sa nakabangga n ninyo kuha na kayo ng police report then claim na agad. Sigurado ayaw din naman ninyo sa insurwncd ng nakabangga ipagawa dahil mas lalo kayo walang control.

Kung kayo ang may kasalanan naman hinde na rin kayo dapat makipagusap sa kabilang side. Let your insurwnxd do the work for you. Kaya nga kayo nagbabayad ng napakamahal na premium para wala na kayo iisipin.

Huwag na kayo makinig sa kesyo madami hinihingi na documents na reklamo ng kanilang side. Problema na nila yun kung ayaw nila mag submit eh di mas matatagalan sila maka claim. As long as sasagutin ng insursnce ninyo dahil kayo at fault yun lang ang ibinigay ang ibibigay nito wala ng traspo allowencd na kung ano-ano pa.


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[cast_no_shadow]

Agree with Shadow pero may stages naman talaga na ganyan sa car owners, probably first time ma-experince to add napayuhan / nakwentuhan ng ibang tao on what to do in case such occurrences.

Now ganyan na din stand ko, kasalanan ko or kasalanan mo gamitin ko insurance ko.

Laking bagay talaga may comprehensive insurance.

If mag offer sagutin ang participation/deductibles then fine. If not wag mo na pasakitin ulo mo.

Kay TS general term kasi yang Own Damage, paano niyo ba stated? Sa report/affidavit? As is pa din ba? Binangga ka? Paano niyo nilagay na OD?

Laki ng damage kaya talagang pitpitan ang laban ng insurance dyan.

Ako before na-denied din claim, hindi ko din alam na may prescribed time for reporting a claim. Naging transparent din ako sa affidavit, ayun denied due to late reporting hindi ko na lang nilaban.


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[dubidubidapdap]

This is well noted. We might set a meeting with them next week to get their advise for our next steps. Thanks!!

Just to add, ang kakampi mo dito ay si Commonwealth Insurance pa rin. Malaking halaga ang Php 400-500k for a repair so you really have to ask them for considerations into your favor. Kasi as far as I know, if things went smoothly into your favor, i.e., there's a loophole on your written agreement favoring your case, the other party's Insurance Company will cover the damages upto Php 200k as per their policy. Then the Commonwealth Insurance will cover the remaining cost of repair which is around Php 200-300k, right?

Then hopefully Commonwealth Insurance will go after the other party na and wala silang magagawa since its on their end na for getting a comprehensive insurance with only just Php 200k maximum third party property damage coverage. Hindi porket may comprehensive insurance ay safe na from liabilities. It still depends sa coverage and policies ng insurance since there are limits lalo na kung mura lang ang kuha sa comprehensive insurance. Good luck, OP.

[babkalakal]

Just to add, ang kakampi mo dito ay si Commonwealth Insurance pa rin. Malaking halaga ang Php 400-500k for a repair so you really have to ask them for considerations into your favor. Kasi as far as I know, if things went smoothly into your favor, i.e., there's a loophole on your written agreement favoring your case, the other party's Insurance Company will cover the damages upto Php 200k as per their policy. Then the Commonwealth Insurance will cover the remaining cost of repair which is around Php 200-300k, right?

Then hopefully Commonwealth Insurance will go after the other party na and wala silang magagawa since its on their end na for getting a comprehensive insurance with only just Php 200k maximum third party property damage coverage. Hindi porket may comprehensive insurance ay safe na from liabilities. It still depends sa coverage and policies ng insurance since there are limits lalo na kung mura lang ang kuha sa comprehensive insurance. Good luck, OP.

agree po na dapat Commonwealth should be your kakampi. talk to them about specifics I'm sure ok naman sa kanila yun. clarify ko lang din at medyo magulo sa akin isip. bakit po kayo Third party? hindi ba sasakyan ninyo mismo ang nabangga? may nasaktan ba po iba?

also insurance companies do from time to time what they term as "loss recovery" which is singilin ang party at fault para sa nagastos nila. I can only guess that there is something in your written agreement that is not in accordance.

[shadow]

Kasi parang niloko nila insurance nila. OD pero reported na accident and meron involved


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[aNthraxx]

Eh kasi nga sa katiting na halaga ₱10k+₱3k nawala tuloy yun ₱400k+

Kung wala naman kasi nasaktan huwag na kayo makipagusap doon sa nakabangga n ninyo kuha na kayo ng police report then claim na agad. Sigurado ayaw din naman ninyo sa insurwncd ng nakabangga ipagawa dahil mas lalo kayo walang control.

Kung kayo ang may kasalanan naman hinde na rin kayo dapat makipagusap sa kabilang side. Let your insurwnxd do the work for you. Kaya nga kayo nagbabayad ng napakamahal na premium para wala na kayo iisipin.

Huwag na kayo makinig sa kesyo madami hinihingi na documents na reklamo ng kanilang side. Problema na nila yun kung ayaw nila mag submit eh di mas matatagalan sila maka claim. As long as sasagutin ng insursnce ninyo dahil kayo at fault yun lang ang ibinigay ang ibibigay nito wala ng traspo allowencd na kung ano-ano pa.


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Yes correct, kung ikaw may kasalanan just tell them to talk to your insurance. Insurance na din bahala dun. For me kung ako may kasalanan the most that i could do is talk to the insurance kung anu na status and maybe prod them to be faster if ever.

Pero by experience, Commonwealth is pretty spot on sa claims, reason all my vehicles are insured with them. After all your requirements casa na tatawag sau when ka naka schedule. So this letter agreement of the TS maybe the real reason for the denial. This companies have audit departments din eh, baka ma technical sila pag ina approve tapos andun sa report na may agreement pala.

[maxpedition]

Yes correct, kung ikaw may kasalanan just tell them to talk to your insurance. Insurance na din bahala dun. For me kung ako may kasalanan the most that i could do is talk to the insurance kung anu na status and maybe prod them to be faster if ever.

Pero by experience, Commonwealth is pretty spot on sa claims, reason all my vehicles are insured with them. After all your requirements casa na tatawag sau when ka naka schedule. So this letter agreement of the TS maybe the real reason for the denial. This companies have audit departments din eh, baka ma technical sila pag ina approve tapos andun sa report na may agreement pala.

Did you experience a 400k + insurance claim on commonwealth?

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[dubidubidapdap]

agree po na dapat Commonwealth should be your kakampi. talk to them about specifics I'm sure ok naman sa kanila yun. clarify ko lang din at medyo magulo sa akin isip. bakit po kayo Third party? hindi ba sasakyan ninyo mismo ang nabangga? may nasaktan ba po iba?

also insurance companies do from time to time what they term as "loss recovery" which is singilin ang party at fault para sa nagastos nila. I can only guess that there is something in your written agreement that is not in accordance.

Hindi yan yung CTPL Insurance Coverage.

Most call it just Liability Coverage, Property Damage Coverage or yung VTPL - Property Damage.
Yan yung policy na magco-cover sa mga damage on someone else's property. i.e. somebody else's car.

In OP's case, kung ginamit nila yung Insurance nung nakabangga sa kanya, First Party ang tawag sa nakabangga sa kanya. Second Party naman ang tawag sa Insurance Company ng nakabangga sa kanya. Kaya Third Party ang tawag kay OP. Hehe.

Iba rin ito dun sa First Car / Second Car na nasa Police Report. Kaya wag malito. Hehe.

[babkalakal]

Thanks mga bro! maliwanag na. gets na hehe