Need clarification po re insurance claim/participation fee
Hi all,
Last week nagkabangga ako sa rare part ng car. Wala akong comprehensive but yung nabanga ko is meron. At first yung agreement namin is ako magbabayad kaso nung lumabas yung quote from toyota umabot ng 284k-sobrang mahal. I tired to negotiate kung pwedeng sa labas nalang namin ipagawa kasi may mga napagtanungan ako is around max 100k lang kaso ayaw nila and I understand pero sobrang mahal talaga. At first sabi nila is di sya pwedeng mag claim sa insurance nya as third party since wala akong insurance and its only applicable thru insurance din. Then after a few days sabi nung owner is pumayag na yung insurance company na they will cover all repair costs and I should pay for PF. Upon reading several comments here sa reddit is they probably claimed "self accident" meaning po ba neto is possible na di na ko hahabulin ng insurance company nila to pay dun sa repair costs and misc.? pls refer po sa new and notarized agreement namin. thanks sa sasagot
Posted Dec 1, 2025, 4:07 AM UTC