Car accident need advice!

[Woof]

Ako nagbayad ng medical expenses. tapos claim na lang sa insurance. tapos yung bumanga sa amin dapat insurance to insurance na lang. tapos ngayon nananakot na kesyo kita daw sa dashcam nila kung sino talaga driver tapos kami pinagbabayad ng repair ng kotse nila.

Ingat ka bro. You have everything to lose. Sa tingin ko your insurance will deny your claim if they found out that you falsified a report. Technicality ito na pwedeng i-exploit kung hindi ka malakas sa insurance mo at lalo na kung malaking amount involved.

Yung naka bangga sa iyo and their insurance are working together so that both of them won't have to spend a single centavo on this incident. Dapat sila mag shoulder ng damage nila kasi prima facie fault ng driver kung harapan ng sasakyan ang may tama but since they know you falsified the report alam nilang mayayari yung magiging claim mo sa insurance mo if they squeal to your insurance that you falsified the incident report. They are betting that the expense for the treatment of the pedestrian is large enough such that paying for their damage to keep them quiet is worth it for you. Ang lalabas nyan you have to shoulder all the expenses of the person na nabangga mo if your insurance company denies your claim for submitting falsified documents.

Nasa pedestrian lane ba tumatawid yung nabangga mo? I know this is weak defense here maski hindi but it could help.

Sayang, maliit lang sana na bagay ito if you did not swap drivers on the report. Wala naman kaso sa iyo if you leave the country since it was not a premeditated act to escape from liability (pre-booked tickets/itinerary etc) and you had a willing family member that is probably more financially capable than you to assist the injured.

[ray_noel]

For sure panakot lang yun nila... para di sila maka pag labas ng pera... dinaan nila sa legal, pero down the line pera pa ron ang habol nila... alam nila na falsified yung docs ma void yung claim and they can save the money...

Tama yung sabi nila, you should have reported what happen exactly and file affidavit na di mo tatakbohan ang responaibility kasi anjan naman father mo and ang insurance to provide the financial obligation...

Consult na kayo ng atty.


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[jkprlt]

Hi, I would like to ask about insurance claim. Nabangga kasi ako at ang may kasalanan is yng 3rd party. Nag claim nako sa insurance but can I demand compensation? (Sila magbabayad ng car ko hanngat hindi pa nagagawa dahil matagal kong di magagamit car ko pero babayaran ko parin sa bangko).

[Bravoexo]

Hi, I would like to ask about insurance claim. Nabangga kasi ako at ang may kasalanan is yng 3rd party. Nag claim nako sa insurance but can I demand compensation? (Sila magbabayad ng car ko hanngat hindi pa nagagawa dahil matagal kong di magagamit car ko pero babayaran ko parin sa bangko).

I don't think paying the monthly on a car loan is dependent on you driving the car or not. If your insurance agrees the 3rd party is liable, they'll pursue them if they want to, to pay off the cost of repairs (less your participation)...but if you want to pursue the 3rd party for something else (or at least covering the cost of the participation), nothing is really stopping you...

[jut703]

Hi, I would like to ask about insurance claim. Nabangga kasi ako at ang may kasalanan is yng 3rd party. Nag claim nako sa insurance but can I demand compensation? (Sila magbabayad ng car ko hanngat hindi pa nagagawa dahil matagal kong di magagamit car ko pero babayaran ko parin sa bangko).

Short answer - no, you can't.

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[dr. d]

Hi, I would like to ask about insurance claim. Nabangga kasi ako at ang may kasalanan is yng 3rd party. Nag claim nako sa insurance but can I demand compensation? (Sila magbabayad ng car ko hanngat hindi pa nagagawa dahil matagal kong di magagamit car ko pero babayaran ko parin sa bangko).

kung ang nasa kuntrata ay kotse lang, ay kotse lang ang sagot nila.
read the contract po, to find out what is included.

[olegna18]

Ingat ka bro. You have everything to lose. Sa tingin ko your insurance will deny your claim if they found out that you falsified a report. Technicality ito na pwedeng i-exploit kung hindi ka malakas sa insurance mo at lalo na kung malaking amount involved.

Yung naka bangga sa iyo and their insurance are working together so that both of them won't have to spend a single centavo on this incident. Dapat sila mag shoulder ng damage nila kasi prima facie fault ng driver kung harapan ng sasakyan ang may tama but since they know you falsified the report alam nilang mayayari yung magiging claim mo sa insurance mo if they squeal to your insurance that you falsified the incident report. They are betting that the expense for the treatment of the pedestrian is large enough such that paying for their damage to keep them quiet is worth it for you. Ang lalabas nyan you have to shoulder all the expenses of the person na nabangga mo if your insurance company denies your claim for submitting falsified documents.

Nasa pedestrian lane ba tumatawid yung nabangga mo? I know this is weak defense here maski hindi but it could help.

Sayang, maliit lang sana na bagay ito if you did not swap drivers on the report. Wala naman kaso sa iyo if you leave the country since it was not a premeditated act to escape from liability (pre-booked tickets/itinerary etc) and you had a willing family member that is probably more financially capable than you to assist the injured.

Wala sya sa pedestrian, siguro 20 meters away sya sa pedestrian. kasi may malapit na school dun eh.

Pero kahit sabihin nya sa insurance namin na nagpalit ng driver. wala pa rin kaming liability dun sa nakabangga sa amin? tama ba? kaya nananakot sila para bayadan namin sila?

[papi smith]

Tama po, in the hope na matakot kayo na ma invalidate ang claim nyo dun sa nabangga nyo, which will surely happen and worse baka balikan pa kayo nung nabangga nyo, seek professional help or talk to your insurer, complicated ito.

[benchman]

*olegna18

obviously extortion ang ginagawa sayo. kung ako yan hindi ko na sila kakausapin, kayo na ng insurance ko ang mag usap.

[shadow]

Bakit ang hilig dito sa atin na ipapabayad sa nakabangga yun participation ng sariling Insurance or yun iba naman hihingi pa ng compensation dahil hinde magamit yun kotse dahil ipagagawa


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