Quote Originally Posted by MR_BIG18 View Post
Our driver had an accident a few months ago, damage was minimal, around 20k from toyota's assesment, i paid the participation fee, a few days ago i also got demand letter from the issurance. Im thinking of paying the said amount to get it over with but something in me is saying not to, coz of principle, thinking thats what insurance are for and they are just being greedy. Dapat sa casa ako nag bayad, btw, i fired the driver already and the vehicle is under my name. Any inputs? Thx
in insurance, it's called the right of subrogation.

all the rights that the injured party may have against the person causing the damage is now transferred to the insurance company.

obviously, the injured party did not claim it under the "own damage" provision of his insurance policy because the insurance company is now going after you.

you better go to that insurance company and verify before they will invoke judicial process to compel you to pay.