Armored Truck Incident - Need advice what to do.

**mykpogi** · November 8th, 2015 11:00 PM

Hi All, I need your help/advice on what I should do next.

The incident happened last September 22. At the ascending portion of Pinatubo St. heading towards EDSA, an armored truck hit our vehicle's front twice. The driver didn't stop the truck and we needed to chase them along EDSA, going down Boni Ave. When we caught up with them, the driver didn't go down but instead, gave us the number of their fleet supervisor. I warned them that the whole incident was recorded and they should not alter their story on what had happened. The driver was apologetic at that point and told me 'hindi kumagat ang kambyo'.

We were able to talk with their office, and they were cooperative. They acknowledged their mistake, and informed us the requirements needed to process the claim from their insurance (license, or/cr, repair estimates, certificate of no claim from my insurance, ...) - that was September 23. A week after, we completed the documents and sent them all scanned copies through email. They requested for the original documents - and we followed. They told us that they will inform us immediately when the claim is approved. We called a couple of times to check if they already processed the claim - but all they said was that the documents are with their insurance agent.

From here on, I thought they must be delaying the processing of the documents. (I've been in a similar situation a couple of months ago when I hit a smaller car. I was able to process all claims from my insurance company in 3 days - and the car which I hit was repaired ASAP.) I sent them an email requesting that if their insurance company is that slow, then I think they should pay for my vehicle's repairs instead. They did not reply to that email. I sent a couple of follow up emails just to check if they received my request, but still no reply. We tried calling their number, but they would not answer our call.

I'm not sure of what to do next. I told them early on that I have a video of the whole incident, hoping that they cooperate with us to the end. I had the scheduled PMS of our car a few weeks ago, and discovered that the front wheel alignment was affected by the impact of the incident. I didn't include the cost of this repair on the estimate I sent them a few weeks ago.

**Juan Martinez** · November 8th, 2015 11:23 PM

the incident took place on september 22, 2015. today is november 8, 2015. that's one month and two weeks ago, more or less. now, you need a lawyer to write them a letter. in law, there's such a thing as laches or sleeping on one's right.

**mykpogi** · November 9th, 2015 12:16 AM

**mortis** · November 9th, 2015 01:48 AM

Originally Posted by mykpogi

Hi All, I need your help/advice on what I should do next.

The incident happened last September 22. At the ascending portion of Pinatubo St. heading towards EDSA, an armored truck hit our vehicle's front twice. The driver didn't stop the truck and we needed to chase them along EDSA, going down Boni Ave. When we caught up with them, the driver didn't go down but instead, gave us the number of their fleet supervisor. I warned them that the whole incident was recorded and they should not alter their story on what had happened. The driver was apologetic at that point and told me 'hindi kumagat ang kambyo'.

We were able to talk with their office, and they were cooperative. They acknowledged their mistake, and informed us the requirements needed to process the claim from their insurance (license, or/cr, repair estimates, certificate of no claim from my insurance, ...) - that was September 23. A week after, we completed the documents and sent them all scanned copies through email. They requested for the original documents - and we followed. They told us that they will inform us immediately when the claim is approved. We called a couple of times to check if they already processed the claim - but all they said was that the documents are with their insurance agent.

From here on, I thought they must be delaying the processing of the documents. (I've been in a similar situation a couple of months ago when I hit a smaller car. I was able to process all claims from my insurance company in 3 days - and the car which I hit was repaired ASAP.) I sent them an email requesting that if their insurance company is that slow, then I think they should pay for my vehicle's repairs instead. They did not reply to that email. I sent a couple of follow up emails just to check if they received my request, but still no reply. We tried calling their number, but they would not answer our call.

I'm not sure of what to do next. I told them early on that I have a video of the whole incident, hoping that they cooperate with us to the end. I had the scheduled PMS of our car a few weeks ago, and discovered that the front wheel alignment was affected by the impact of the incident. I didn't include the cost of this repair on the estimate I sent them a few weeks ago.

Do you have comprehensive insurance coverage? If so, i suggest you should have made a claim and let your insurance company be the one to chase the security company. They will do this without you having to lift a finger as this is in their best interest to collect.

Problem is that since been more than 30 days since the incident, you may have a more complicated time making the insurance claim.

**mykpogi** · November 9th, 2015 08:29 AM

Originally Posted by mortis

Do you have comprehensive insurance coverage? If so, i suggest you should have made a claim and let your insurance company be the one to chase the security company. They will do this without you having to lift a finger as this is in their best interest to collect.

Problem is that since been more than 30 days since the incident, you may have a more complicated time making the insurance claim.

G4s made sure that they will be handling the insurance claims from their end, and asked us to submit a certificate of no claim from our insurance company.

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Originally Posted by mortis

Do you have comprehensive insurance coverage? If so, i suggest you should have made a claim and let your insurance company be the one to chase the security company. They will do this without you having to lift a finger as this is in their best interest to collect.

Problem is that since been more than 30 days since the incident, you may have a more complicated time making the insurance claim.

G4s made sure that they will be handling the insurance claims from their end, and asked us to submit a certificate of no claim from our insurance company.

**mykpogi** · November 9th, 2015 08:31 AM

Originally Posted by Juan Martinez

the incident took place on september 22, 2015. today is november 8, 2015. that's one month and two weeks ago, more or less. now, you need a lawyer to write them a letter. in law, there's such a thing as laches or sleeping on one's right.

thank you. I think i might need to call a lawyer to help us out.

**shadow** · November 9th, 2015 08:46 AM

If you have a conprehensivd insurance, dapat nag file ka na lang sarili mo. Instead of waiting for them.

You have wasted so much time just go and claim from your insurance.

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**Lew_Alcindor** · November 9th, 2015 09:17 AM

wala kang mapapala sa mga yan. ipagdasal mo na lang ma-karma ang mga hayup na yan.

**box_type** · November 9th, 2015 09:51 AM

so how do you go about filing your claim/s against your insurance company? can anyone post the details on how to file these kinds of claims? i have a friend who is also in a similar scenario and he's asking advice from me and i don't have any idea....

**shibby75** · November 9th, 2015 10:43 AM

Naaksidente na din ako dati...wala ako insurance. Pero inamin ng other party na sya me kasalanan, ipapagawa nya na lang daw oto ko. File lang daw ako ng no claim sa tpl insurance ko.

Naayos naman ng matiwasay.

My question is how do you tell your insurance na kasalanan mo ng hindi ka liable sa gastusin?