First of all, hindi po ako ang nagmamaneho nang binangga ang Hi-Ace ko ng ulo ng trailer truck (walang trailer, ulo lang).
It happened last Jan 30, 2014 sa Brgy.Turbina Calamba, Laguna around 1am. My uncle was driving the van with passengers on the way home from Quezon when a drunk driver of a trailer suddenly decided to proceed in the Maharlika highway. As my Uncle relate it, he was not driving fast though it is a highway as there was a few cars also ahead of him. He told me he's just driving around 40kph when the incident happened. The truck crossed the Highway so the Van t-boned it's side.
These are the result:
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Mabuti na lang at harap lang ang na-wreck, besides that all are intact: windshield, all windows, and the whole body beside the front. The airbags didn't even deploy. Yung driver side door din medyo tumabingi yung corner due to impact. I believe kung may tama ang engine is very minimal lang.
Question: Even though we have arrears in our insurance policy (Federal Phoenix a.k.a Accord Insurance), can we still make a claim? Ang policy namen ay from May 2013-2014 and the insurance agreed on an installment basis. 6 payments of P3,7xx within the year is needed to keep our policy. Currently, we are only 3 payments delayed from paying the full amount. Is it possible that the insurance company will deny our claim?
I'm just anxious about this because in the business-view of things, apparently not feasible na i-handle nila yung claim since gagastos sila ng malaki, compared sa makokolekta nila samen. Possible ba?
Further details:
*nakakulong na si Driver sa Calamba Police station awaiting bail
*police report and case has been filed as well as the testaments of the 5 passengers who were hurt
*Medico-legal has been done, awaiting documented results
*estimate of the damage has not been done as we are still gathering documents to pass to insurance
*my uncle only suffered minor injury on his left gulugod, and a few aching muscles.
*the truck owner (boss ni driver) doesn't want to talk to us and will let his driver rot in jail than settle what what necessary.
*Hi-Ace is still in the impounding area of the police in Calamba, awaiting insurance handling.
*12 passengers total were in the van when the incident happened but only 5 were hurt enough to warrant a checkup
*My Hi-Ace is a van-for-rent
Help fellow tsikoteers :help:
It happened last Jan 30, 2014 sa Brgy.Turbina Calamba, Laguna around 1am. My uncle was driving the van with passengers on the way home from Quezon when a drunk driver of a trailer suddenly decided to proceed in the Maharlika highway. As my Uncle relate it, he was not driving fast though it is a highway as there was a few cars also ahead of him. He told me he's just driving around 40kph when the incident happened. The truck crossed the Highway so the Van t-boned it's side.
These are the result:
Mabuti na lang at harap lang ang na-wreck, besides that all are intact: windshield, all windows, and the whole body beside the front. The airbags didn't even deploy. Yung driver side door din medyo tumabingi yung corner due to impact. I believe kung may tama ang engine is very minimal lang.
Question: Even though we have arrears in our insurance policy (Federal Phoenix a.k.a Accord Insurance), can we still make a claim? Ang policy namen ay from May 2013-2014 and the insurance agreed on an installment basis. 6 payments of P3,7xx within the year is needed to keep our policy. Currently, we are only 3 payments delayed from paying the full amount. Is it possible that the insurance company will deny our claim?
I'm just anxious about this because in the business-view of things, apparently not feasible na i-handle nila yung claim since gagastos sila ng malaki, compared sa makokolekta nila samen. Possible ba?
Further details:
*nakakulong na si Driver sa Calamba Police station awaiting bail
*police report and case has been filed as well as the testaments of the 5 passengers who were hurt
*Medico-legal has been done, awaiting documented results
*estimate of the damage has not been done as we are still gathering documents to pass to insurance
*my uncle only suffered minor injury on his left gulugod, and a few aching muscles.
*the truck owner (boss ni driver) doesn't want to talk to us and will let his driver rot in jail than settle what what necessary.
*Hi-Ace is still in the impounding area of the police in Calamba, awaiting insurance handling.
*12 passengers total were in the van when the incident happened but only 5 were hurt enough to warrant a checkup
*My Hi-Ace is a van-for-rent
Help fellow tsikoteers :help: