Quote Originally Posted by babkalakal View Post
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.