Please help with my insurance claim

[akosieric]

Hi Guys,

Need your help. I'm a new driver and nadamage ko ung sasakyan ko(own damage). bago palang ung car sakin nung nabangga ko so wala pa insurance policy, OR/CR(under bank loan), and wala pa LTO OR/CR(c/o CASA). Nung magclaclaim na ako ng insurance(standard insurance through BDOi) ang naibigay ko lang ay affidavit, insurance advice, pictures, drivers license(with receipt photocopy) and sales invoice. Sinabi sakin ng BDO na itatanong pa sa claim officer kung pwede na kahit un lang ung documents. Ganun ba talga? Hindi ba dapat accepted ung documents since bago palang ung car? and dpat from the day na mailabas sa CASA ung sasakyan ay insured na. Please help kung ano dapat kong gawin. According sa standard insurance website 3 days lang ung processing, pang 5th day na bukas wala paring call/email from claim officer.

[kishAn]

Hi Guys,

Need your help. I'm a new driver and nadamage ko ung sasakyan ko(own damage). bago palang ung car sakin nung nabangga ko so wala pa insurance policy, OR/CR(under bank loan), and wala pa LTO OR/CR(c/o CASA). Nung magclaclaim na ako ng insurance(standard insurance through BDOi) ang naibigay ko lang ay affidavit, insurance advice, pictures, drivers license(with receipt photocopy) and sales invoice. Sinabi sakin ng BDO na itatanong pa sa claim officer kung pwede na kahit un lang ung documents. Ganun ba talga? Hindi ba dapat accepted ung documents since bago palang ung car? and dpat from the day na mailabas sa CASA ung sasakyan ay insured na. Please help kung ano dapat kong gawin. According sa standard insurance website 3 days lang ung processing, pang 5th day na bukas wala paring call/email from claim officer.

nakaloan ba yung unit?

[akosieric]

nakaloan ba yung unit?

Yes po nakaloan sya sa BDO. Tpos through BDOi din ung insurance.

[Stigg ma]

Hi Guys,

Need your help. I'm a new driver and nadamage ko ung sasakyan ko(own damage). bago palang ung car sakin nung nabangga ko so wala pa insurance policy, OR/CR(under bank loan), and wala pa LTO OR/CR(c/o CASA). Nung magclaclaim na ako ng insurance(standard insurance through BDOi) ang naibigay ko lang ay affidavit, insurance advice, pictures, drivers license(with receipt photocopy) and sales invoice. Sinabi sakin ng BDO na itatanong pa sa claim officer kung pwede na kahit un lang ung documents. Ganun ba talga? Hindi ba dapat accepted ung documents since bago palang ung car? and dpat from the day na mailabas sa CASA ung sasakyan ay insured na. Please help kung ano dapat kong gawin. According sa standard insurance website 3 days lang ung processing, pang 5th day na bukas wala paring call/email from claim officer.

follow-up mo lang, mabagal talaga yan insurance kase loss para sa kanila yan...

from day 1 naka insured na yan kase pagmamayari ng banko yan habang di ka pa fully paid at ayaw naman ng banko na wala na yong kotse dahil sa aksidente pero bayad ka pa din ng bayad ng monthly dues...

[kishAn]

Yes po nakaloan sya sa BDO. Tpos through BDOi din ung insurance.

if nakaloan dapat wala ng problema, yung bank's copy ng insurance nasa bdo na yun before marelease ang unit from casa. hindi naman papayag ang bank na walang insurance or may discrepancy sa insurance kahit isang letra lang bago marelease. ang question lang is bakit wala pa saiyo yung copy mo ng insurance. tingin ko nman eh makakaclaim ka pero may delay lang

[akosieric]

follow-up mo lang, mabagal talaga yan insurance kase loss para sa kanila yan...

from day 1 naka insured na yan kase pagmamayari ng banko yan habang di ka pa fully paid at ayaw naman ng banko na wala na yong kotse dahil sa aksidente pero bayad ka pa din ng bayad ng monthly dues...

if nakaloan dapat wala ng problema, yung bank's copy ng insurance nasa bdo na yun before marelease ang unit from casa. hindi naman papayag ang bank na walang insurance or may discrepancy sa insurance kahit isang letra lang bago marelease. ang question lang is bakit wala pa saiyo yung copy mo ng insurance. tingin ko nman eh makakaclaim ka pero may delay lang

Thanks Stigg ma and kishAn. Pinapalakas nyo loob ko. Ang binigay sakin ng BDOi ay insurance advice. Eto kasi sabi sakin nung kausap sa insurance:
"As of now, we are still waiting for the feedback from Claims Officer if it is possible to not provide the needed requirements for claims. But as you mention before you only have sales invoice, license with receipt and insurance advice. May we request if you can send us the copy of those documents? So we can request our Claims Officer to call you immediate on how they will going to assist you with your concern. Once we receive it, we will forward it to them for proper handling."

Parang sinasabi nya kasi sakin na possible na hindi ako makapagclaim or matatagalan. May possibility ba talga na hindi ako makapagclaim?

[kishAn]

Thanks Stigg ma and kishAn. Pinapalakas nyo loob ko. Ang binigay sakin ng BDOi ay insurance advice. Eto kasi sabi sakin nung kausap sa insurance:
"As of now, we are still waiting for the feedback from Claims Officer if it is possible to not provide the needed requirements for claims. But as you mention before you only have sales invoice, license with receipt and insurance advice. May we request if you can send us the copy of those documents? So we can request our Claims Officer to call you immediate on how they will going to assist you with your concern. Once we receive it, we will forward it to them for proper handling."

Parang sinasabi nya kasi sakin na possible na hindi ako makapagclaim or matatagalan. May possibility ba talga na hindi ako makapagclaim?

based on the qouted paragraph above. wala naman bro sinabi na possible na hindi ka makakaclaim or matatagalan. ang sabi ata eh is "As of now, we are still waiting for the feedback from Claims Officer if it is possible to not provide the needed requirements for claims" inaantay nila yung feedback ni claim officer kung posible bang hindi na iprovide yung mga kailangang requirements. pero malamang madedelay talaga, wala ka ba bro loan acct officer na naghandle ng loans mo para sya yung ngpafollow up?

[akosieric]

based on the qouted paragraph above. wala naman bro sinabi na possible na hindi ka makakaclaim or matatagalan. ang sabi ata eh is "As of now, we are still waiting for the feedback from Claims Officer if it is possible to not provide the needed requirements for claims" inaantay nila yung feedback ni claim officer kung posible bang hindi na iprovide yung mga kailangang requirements. pero malamang madedelay talaga, wala ka ba bro loan acct officer na naghandle ng loans mo para sya yung ngpafollow up?

Salamat sa pag clarify, first time ko kasi magclaim kaya kinakabahan ako ang laki kasi ng estimate nung CASA para dun sa repair. Hindi ako sinabihan kung sino loan acct officer ko eh. Tatanong ko yan bukas.

[macsd]

based on the qouted paragraph above. wala naman bro sinabi na possible na hindi ka makakaclaim or matatagalan. ang sabi ata eh is "As of now, we are still waiting for the feedback from Claims Officer if it is possible to not provide the needed requirements for claims" inaantay nila yung feedback ni claim officer kung posible bang hindi na iprovide yung mga kailangang requirements. pero malamang madedelay talaga, wala ka ba bro loan acct officer na naghandle ng loans mo para sya yung ngpafollow up?

Agree with this. You need not worry as it's a bank loaned car, you are covered the moment it got out of casa. Get the name of the guy who handles your claim at Standard para diretso ka mag follow-up sa kanila, not the bank guy. Get rid of the bridge, go straight sa insurance company. The most you have to dole out is participation fee.

Baka naman maliit lang yung damage at masmalaki pa ang participation fee mo kaysa actual fix kung sarili mo cyang ipapagawa. Check that out as well.

[akosieric]

Agree with this. You need not worry as it's a bank loaned car, you are covered the moment it got out of casa. Get the name of the guy who handles your claim at Standard para diretso ka mag follow-up sa kanila, not the bank guy. Get rid of the bridge, go straight sa insurance company. The most you have to dole out is participation fee.

Baka naman maliit lang yung damage at masmalaki pa ang participation fee mo kaysa actual fix kung sarili mo cyang ipapagawa. Check that out as well.

Thanks macsd. Makakatulog na ako ng maayos sa inputs nyo. Nagpaestimate na ako, masakit sa bulsa ung presyo.