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So someone crashed into the back of our car.

razzer_risingrazzer_rising PEx Influencer ⭐⭐⭐
This happened about 3 weeks ago. After a weekend dinner, I and my husband were in a car waiting for stoplight to turn green then suddenly a car crashed into the back of our car. We were okay but our car got damaged including one of the taillights. My husband told me to let him handle everything - I was actually in a bad mood that time and I was like ready to argue with the people who crashed into our car. Anyways, to make the story short, we have a car insurance and they paid for the participation fee. I was actually debating with my husband regarding that. I was saying that aside from participation fee they should be the one shouldering the gas for the car repair shop and we should get paid for all the inconvenience this accident would cause us. I even said that they should give him a car while the car was being repaired. Obviously for me, that participation fee was not enough. What actually happened was it took over a week for the car to get repaired. My husband is a surgeon and during that time he used my car to do his hospital rounds and even an emergency operation (appendcitis). One time, I could not wait for him so I took a cab. Yes, I hated that I took the cab but I also hated the fact that he was so mabait with those people who damaged our car. He should have asked for more. I am posting it here, why? Because I want to know if the compensation that I was asking is right and not overboard. gosh Is it too much?

Comments

  • Dapat sa Cars and Motoring mo ito pinaskel. Maaari mong idemanda sa lahat ng perwisyo ang bumangga sa inyo. Pero matatagalan ito lalo na't mabagal ang katarungan sa Pinas!

    Pasalamat ka na lang at walang nasaktan sa inyo ... iyon na lang! Wala kang mapapala sa paghihimutok at sama ng loob; ikaw lang ang mahihirapan!

    [#]LetItGo[/#] [#]HealingPaMore[/#]
  • Your insurance agent will be able to answer your concerns. It is best to talk to them rather than the one who hit your car. There are certain technicalities that only they can answer you according to their policies.

    Anyway, this is just something I've read to share to you. I'll just cut all the legal mumbo jumbo. The one who got hit filed a complaint. The one who hit the car was ordered to pay the actual cost of damage (P100,000)+ 6% from the date of filling of complaint, P50,000 moral damages, P20,000 examplary damages and P20,000 attorney's fee.

    Hope this helps you. Good luck.
  • BeerhandBopBeerhandBop PEx Influencer ⭐⭐⭐
    your husband is right.

    the important thing is.. naayos yung sasakyan mo in one week.
  • Kohler wrote: »
    Anyway, this is just something I've read to share to you. I'll just cut all the legal mumbo jumbo. The one who got hit filed a complaint. The one who hit the car was ordered to pay the actual cost of damage (P100,000)+ 6% from the date of filling of complaint, P50,000 moral damages, P20,000 examplary damages and P20,000 attorney's fee.

    Kung mag-file ng bankruptcy ang hinahabol mo wala ka ring patutunguan. Kaya pinakamainam maghabol na lang sa insurance.

    [#]SentidoKumon[/#]
  • nikkilovenikkilove PEx Influencer ⭐⭐⭐
    yung claim mo is depende sa insurance mo.

    like when my car was hit by a truck, i didnt pay anything sa car rental, coz i was covered by my insurance, kahit di covered ng kalaban ko.

    pero kung danyos sa perwisyo, unless youre hurt, its more prudent to let them go.

    even an accident lawyer advised me, kasi 3 days din akong off, so nawalan ng kita, etc.

    pero unless theres a medical bill concerned, minsan kelangan mo ring magpalampas.

    mahirap din ang masyadomg managad ng iba, lalo na dyan sa pinas.

    lalo na makikilala ka nila dahil sa claim mo.

    mamya itumba pa kayo mg asawa mo kung magdedemanda pa kayo.

    mas maayos ng ligtas kayo. ganun talaga. lahat tayo maaabala and makakaabala ng iba.
  • Insurance 101:

    Dalawang uri ng car insurance: 1) third-party liability at 2) property damage.

    Iyong third-party liability ay MANDATORY. Kukuha ka nito tuwing irerehistro ang sasakyan. Gagamitin ito sa kung may nasaktan sa banggaan.

    Iyong property damage maaaring third-party lang o comprehensive. Kung third-party ay sagot lamang ang sasakyan ng nabangga; hindi sagot ang sarili. Mainam ito kung luma't bulok na ang gamit na sasakyan.

    Comprehensive ay mainam kung bago at modelo ang sasakyan. Kasama rito ang nakaw. Minsan puedeng idagdag ang car rental: sagot ng insurance ang arkila ng sasakyan habang nasa assessment ang sira o ginagawa ang sasakyan.

    Dito sa barrio namin may car rental na maaaring arkilahin kapag nabangga at 'di mo kasalanan. Sisingilin nila ang nakabangga - may insurance man o wala. Di ko alam kung man ganito sa Pinas.

    Lagpas sa mga ito, kung nais singilin ang nakabangga ay daraan sa sala ng hukuman. Madugo't magastos ito. Madalas sayang lang ang panahon!

    Kaya leccion sa lahat: kung kaya mong magsasakyan ay dapat kaya mo rin ang third-party damage insurance!

    [#]IsipPaMore[/#]
  • F-A SoldierF-A Soldier PEx Influencer ⭐⭐⭐
    Offtopic: "...I hate the fact that he was so nice to those people..."

    Reminded me of this scene from Crash, when Thandie Newton and Terrence Howard was arguing that the husband didn't fight the cops.

    :glee:

    [#]AlphaMale[/#]
  • Offtopic: "...I hate the fact that he was so nice to those people..."

    Reminded me of this scene from Crash, when Thandie Newton and Terrence Howard was arguing that the husband didn't fight the cops.

    :glee:

    [#]AlphaMale[/#]

    Ano ba ang gusto ni TS: makipag-away sa nakabangga? Anong mapapala? Sino ba ang gustong mabangga? Hindi naman sinasadya!

    [#]MinsanDapatGagamitNgUtak[/#] [#]HindiPutakNangPutak[/#]
  • Kung mag-file ng bankruptcy ang hinahabol mo wala ka ring patutunguan. Kaya pinakamainam maghabol na lang sa insurance.

    [#]SentidoKumon[/#]

    So ignorant. :lol:

    We only have the Financial Rehabilitation and Insolvency Act. Deleting all the legal mumbo jumbo technicalities, there is a liquidation order and all your properties will be held in possession and control by the Sheriff.

    You think when you file for bankruptcy in the US, you are free from all obligation? :lol:

    You are to surrender your non exempt property (cash, bank accounts, stock investments, coin/stamp/etc collections, a second car or home, etc.) so that it can be sold to pay back your creditors. If you don't want to surrender your non exempt property, you have to settle your payments through an installment plan.
  • Insurance 101:

    Dalawang uri ng car insurance: 1) third-party liability at 2) property damage.

    Iyong third-party liability ay MANDATORY. Kukuha ka nito tuwing irerehistro ang sasakyan. Gagamitin ito sa kung may nasaktan sa banggaan.

    Iyong property damage maaaring third-party lang o comprehensive. Kung third-party ay sagot lamang ang sasakyan ng nabangga; hindi sagot ang sarili. Mainam ito kung luma't bulok na ang gamit na sasakyan.

    Comprehensive ay mainam kung bago at modelo ang sasakyan. Kasama rito ang nakaw. Minsan puedeng idagdag ang car rental: sagot ng insurance ang arkila ng sasakyan habang nasa assessment ang sira o ginagawa ang sasakyan.

    Dito sa barrio namin may car rental na maaaring arkilahin kapag nabangga at 'di mo kasalanan. Sisingilin nila ang nakabangga - may insurance man o wala. Di ko alam kung man ganito sa Pinas.

    Lagpas sa mga ito, kung nais singilin ang nakabangga ay daraan sa sala ng hukuman. Madugo't magastos ito. Madalas sayang lang ang panahon!

    Kaya leccion sa lahat: kung kaya mong magsasakyan ay dapat kaya mo rin ang third-party damage insurance!

    [#]IsipPaMore[/#]

    Are you sure you know what you are talking about? Mapapahamak mo lang ang mga tao dito. :lol:
  • razzer_risingrazzer_rising PEx Influencer ⭐⭐⭐
    nikkilove wrote: »
    yung claim mo is depende sa insurance mo.

    like when my car was hit by a truck, i didnt pay anything sa car rental, coz i was covered by my insurance, kahit di covered ng kalaban ko.

    pero kung danyos sa perwisyo, unless youre hurt, its more prudent to let them go.

    even an accident lawyer advised me, kasi 3 days din akong off, so nawalan ng kita, etc.

    pero unless theres a medical bill concerned, minsan kelangan mo ring magpalampas.

    mahirap din ang masyadomg managad ng iba, lalo na dyan sa pinas.

    lalo na makikilala ka nila dahil sa claim mo.

    mamya itumba pa kayo mg asawa mo kung magdedemanda pa kayo.

    mas maayos ng ligtas kayo. ganun talaga. lahat tayo maaabala and makakaabala ng iba.

    Yeah nikki, I think you are right. Naiinis lang ako na we were completely not at fault yet we have to share the burden and the inconvenience.

    @lolopogi. Pitstop is dead so I posted it here. Btw, just for trivia, the thread with the highest posts and views in Pitstop aka Cars and Motoring is created by me. ;)
  • SAMSAYSAMSAY PEx Influencer ⭐⭐⭐
    Kohler wrote: »
    Are you sure you know what you are talking about? Mapapahamak mo lang ang mga tao dito. :lol:

    Hahahaha. Tumpak. Marami nang napahamak sa pabida nyan. (Mobile banking)
    Nanggaling sa taong hanggang uber lang. :lol:


    [#]PabidaPaMore[/#]
  • Kohler wrote: »
    Are you sure you know what you are talking about? Mapapahamak mo lang ang mga tao dito. :lol:

    Puwes, kontrahin mo ang mga hinirit ko. Patunayan mong MALI! Wala kang mapapala sa argumentum ad hominem....

    [#]BagoMataposAngAgostoTaong2017[/#]
  • SAMSAY wrote: »
    Hahahaha. Tumpak. Marami nang napahamak sa pabida nyan. (Mobile banking)
    Nanggaling sa taong hanggang uber lang. :lol:


    [#]PabidaPaMore[/#]

    Umiral na naman ang argumentum ad hominem ... sino ang napahamak sa mobile banking?

    [#]IlabasMoAngKatibayan[/#]
  • SAMSAYSAMSAY PEx Influencer ⭐⭐⭐
    Ano ba ang gusto ni TS: makipag-away sa nakabangga? Anong mapapala? Sino ba ang gustong mabangga? Hindi naman sinasadya!

    [#]MinsanDapatGagamitNgUtak[/#] [#]HindiPutakNangPutak[/#]

    Ang mahalaga at mapapala nya ay mabigyan ng record ang driver.

    Hindi naman lahat kagaya mo. Ang dami reklamo sa mundo. Sa personal tiklop ang bitl0g at walang bibig tapos dito mag iiyak sa pex.

    [#]SentidoKumonLungs[/#]
  • Yeah nikki, I think you are right. Naiinis lang ako na we were completely not at fault yet we have to share the burden and the inconvenience.

    @lolopogi. Pitstop is dead so I posted it here. Btw, just for trivia, the thread with the highest posts and views in Pitstop aka Cars and Motoring is created by me. ;)

    Sa totoo lang kapag may banggaang naganap LAHAT AY NAPEPERWISYO at TALO. Perwisyo at talo ang nabangga, perwisyo at talo ang nakabangga, perwisyo at talo ang insurance.

    Noong taong 2014 ang luxury car ko ay na-T-bone. Isang mag-aaral na hindi nakatingin sa traffic light pumasok sa pula at tinamaan ang panig ng driver buti sa likod at hindi sa driver mismo. Si misis ang nagmamaneho. Natural shocked siya at na-trauma pero awa ng Panginoon hindi siya nasaktan. Deretso sa ospital upang obserbahan pero walang pinsala sa driver.

    Alagang-alaga ang sasakyang ito. Linggo-linggo car wash at detail ito. Basta ganoon na lang na-write off. Nalugi ako ng mahigit $40,000 sa walong taon na depreciation. Napilitan akong bumili ng bago.

    Pero wala akong magagawa. Nangyayari talaga ang mga ganito. Kaya mula noon nagising ako na WALANG KUWENTA ang luxury car. Mula noon pangkaraniwang tatak ng sasakyan na lang ang aking gagamitin. Ma-write off man hindi ganoon kasama ang loob ko!

    Palagpasin mo na ang nangyari. Walang mapapala sa bitbit na sama ng loob!

    [#]HealingPaMore[/#] [#]MoveOnPaMore[/#]
  • SAMSAY wrote: »
    Ang mahalaga at mapapala nya ay mabigyan ng record ang driver.

    Ipaliwanag mo kung ano ang pakinabang ng magkaroon ng "record" ang nakabangga. Anong "record" ito? Plaka? 33 1/3 o 45 rpm?

    [#]BagoMataposAngBuwanNgAgostoTaong2017[/#]
  • Mrs.RizzMrs.Rizz PEx Veteran ⭐⭐
    Dapat nga nag papasalamat ka na mabait ang husband mo at hindi basagulero, sa sitwasyon ngayon sa Pilipinas na nag babarilan ang mga may away trapiko eh maswerte ka at mahinahon ang husband mo.

    I posted this sa Pitstop dati, way back 2013 binangga din kami sa likod sa may Pasig, sira totally lahat ng nasa left side rear. Nakatulog yung bumangga sa amin.

    Dahil yung husband ko eh mahinahon na tao, nung gabi na yun eh sa amin pa nag dinner yung naka bangga, he's an architect. Tinulungan pa siya ng husband ko na ilapit sa kilala naming mechanic yung pick up ni Arch. for repairs.

    Yung architect na yun eh siya na din ang gumuhit ng bahay namin ngayon, at naging family friend na.

    So ang peg ng husband ko eh " Bangga Us, win a friend" :glee:


    Last April 2017 lang, binangga na naman kami ng isang kotse while nasa C5, heavy traffic na nga eh bumangga pa siya sa likod namin. Dahil gasgas lang, at nag sorry naman yung naka car, naka smile pa husband ko, waving "wala na pre ok na".


    Hindi ako naiinis sa husband ko, kasi ang motto namin parehas sa buhay, sasakyan lang yan, mapapalitan, ang pera eh kikitain, pero ang buhay kapag nawala, hindi na maibabalik pa.

    So kesa mainis ka sa husband mo, be thankful na lang. Assured ka na hindi siya mapapabilang sa mga nag Road Rage.
  • F-A SoldierF-A Soldier PEx Influencer ⭐⭐⭐

    Medyo naalala ko tong thread na to when I saw this vid.

    Masyadong educated + civilized + too diplomatic asawa ni TS = boring.

    Ito gusto ng mga peenice.

    :glee:

    [#]TeamAlphaMale[/#]
  • jcdyjcdy PEx Veteran ⭐⭐
    ^ Ito nga din ang naalala ko ng napanood ko yang balita na yan. :lol:
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