insurance claim questions

**Jhunel08** · August 18th, 2015 10:29 PM

Originally Posted by maki mi

the most common claim not only for insurance but also for company cars... hit and run

if sabihin ko na hit and run. hihingi po ba sila ng police report?

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Originally Posted by maki mi

the most common claim not only for insurance but also for company cars... hit and run

if sabihin ko na hit and run. hihingi po ba sila ng police report?

**_incubus19** · August 18th, 2015 10:38 PM

Sakin twice nako nabangga. Un isa hit and run talaga un isa binangga ako. Both sinabi ko na hit and run. Hindi ako hiningan ng police report. Hiningi lang sakin is afidavit (nalimot ko un tawag), tapos sketch ng paano nangyari un incident. May bayad pala un afidavit. Dalhin mo lang un insurance copy mo at id para sila na mag xerox.

**Jhunel08** · August 19th, 2015 11:08 PM

salamat po. check ko na din yung insurance para malaman ko if pwede yung own damage.

**cifer** · September 5th, 2015 12:56 AM

Hi good evening! We got into an accident, we were hit by a tricycle. We have comprehensive insurance. Insurance company has already approved the repair cost. They are asking for our "preferred shop" so that they can issue Letter of Authority.

My question is:

1. Does the repair needs to be done in casa?
2. Can we claim the "repair cost" via cash or check and have it repaired somewhere else?

It's our first car and I don't know yet about the process or work around for instances like this. Insurance company said "participation fee" is payable to our preferred shop. My budget is tight and I would prefer if I don't have to shell out money.

I would appreciate any feedback. Dios Mabalos!

**ms_jazzy** · September 5th, 2015 08:10 AM

I don't think you can claim cash, kasi the transaction will be between the insurance and repair shop. Then between you and the shop for the participation fee.

Twice na kami nagparepair, sa casa palagi, kasi pareho rin lang naman yung participation fee na babayaran namin. Don't know though kung may better way.

**SkyFlakes88** · September 5th, 2015 08:24 AM

Originally Posted by cifer

Hi good evening! We got into an accident, we were hit by a tricycle. We have comprehensive insurance. Insurance company has already approved the repair cost. They are asking for our "preferred shop" so that they can issue Letter of Authority.

My question is:

1. Does the repair needs to be done in casa?
2. Can we claim the "repair cost" via cash or check and have it repaired somewhere else?

It's our first car and I don't know yet about the process or work around for instances like this. Insurance company said "participation fee" is payable to our preferred shop. My budget is tight and I would prefer if I don't have to shell out money.

I would appreciate any feedback. Dios Mabalos!

You can request to get cash/check instead sir. They will offer you an amount Less the participation fee and other fees as well. As long as the offer is fair you can convert your claim to cash. Don't be afraid to negotiate with the offer until both parties agree.

**basucat** · September 5th, 2015 02:29 PM

Originally Posted by cifer

Hi good evening! We got into an accident, we were hit by a tricycle. We have comprehensive insurance. Insurance company has already approved the repair cost. They are asking for our "preferred shop" so that they can issue Letter of Authority.

My question is:

1. Does the repair needs to be done in casa?
2. Can we claim the "repair cost" via cash or check and have it repaired somewhere else?

It's our first car and I don't know yet about the process or work around for instances like this. Insurance company said "participation fee" is payable to our preferred shop. My budget is tight and I would prefer if I don't have to shell out money.

I would appreciate any feedback. Dios Mabalos!

I work for an insurance company and the usual procedure is that they would want the car repaired with their accredited shops. You can ask them who are the accredited shops that would be convenient for you to go to. Some shops do pick up and deliver. No, you do not have to have it repaired at the CASA. In fact, the insurer would prefer that it be repaired with the 3 star or lesser shops since the cost would usually be lower for them.

If you ask for "cash" (in the form of a check) settlement, they would usually deduct the VAT and about 30% from the labor costs and sometimes a certain percentage from the parts. This will result in a smaller amount for you. Some insurers would also ask you to surrender any replaced parts before paying you in cash.

Hope this helps.

**cifer** · September 7th, 2015 06:13 PM

Thank you for your input guys. Appreciate it.

**roronoazorro** · September 17th, 2015 02:28 PM

hi Guys, question lang. nabangga ko yung bumber ko sa parking namin. may minor dent yung gilid ng bumper at minor scratches. may comprehensive insurance naman yung kotse. ask ko lang if need ko pa ba icover sa insurance yung repair or wag na. participation fee ko is 4K and nung pinaestimate ko sa auto repair shop 2,500 lang.