standupguy
7/22/2014 15:48 EST
I am looking for information about car insurance, and claims. Has anyone been involved in a car accident and your insurance company covered it? What are the downfalls (if any) to automobile insurance companies?
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Panglaodreamer
7/22/2014 16:02 EST
How about homeowner insurance too. I need that to cover my house there. Let me know what you find out and I will watch this post.
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poochewer
7/22/2014 17:08 EST
There is no "at fault driver" in Philippines. Your insurance pays for your car, and theirs pays for theirs. The problem is that most of them don't have insurance, and will consequently want you to pay for theirs.
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sherwood
7/22/2014 18:56 EST
Your odds of coming out ahead are about the same as going to the casino. Maybe a little better, but not much.
While accidents are expenses, you save a lot of money by not paying the insurance premium. Basically you are sell insured in the Philippines. Do not drive an expensive car. Do not drive over 35 mph. Be aware of everyone near you, since turn signals, seat belts and breaks are optional. Try not to hit any motorbikes with more than two people on them. Do not run over the pedestrians even when they walk in front of your car, if you can help it. But do not sway out of the way into on coming traffic. Just run them over. You will be fine.
Sherwood
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brslomo
7/22/2014 20:17 EST
So since we can see from the previous post that driving in Phils is a potentially dangerous and costly pastime, I wonder what percentage of you punters drive. Or are you more inclined to let your spouse or girlfriend drive or perhaps to take public transportation?
Of those who do drive or have driven, have any of you had an accident which resulted in serious bodily injury or death to a local and (if so) what was the cost or burden to you?
I know of one old Swiss fellow who lives in southern Cebu who struck and killed an elderly woman. He did some jail time but was soon released and paid a hefty fine.
In my opinion, it is not worth the risk.
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sherwood
7/22/2014 22:55 EST
My step son is a Van driver for hirer and his mother, my wife, also has drove tour vans. With the new rules to be license coming into effect, my step son has given up as a hired driver. As far as knowing about traffic accidents I am aware of many accidents. Some ending in death, dismemberment, etc. We own a large van and a relatively new SUV. I do not drive in the Philippines or think about driving in the Philippines. Accidents is part of the driving experience in the Philippines. If you have to drive, stick to rural areas and when traffic is light. Sherwood
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poochewer
7/23/2014 00:41 EST
I know it's hard to believe, but u do get used to driving here after a while. U actually get good at it, and when I go back to Australia I hate driving there cos I prefer it Filipino style now.
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standupguy
7/23/2014 01:46 EST
I drove a rental van from Davao to GenSan and on to Coromandel to Isulan (then out back to Toka) and returned to Davao. Driving the Trans Philippine hwy. was scary but safe enough if you were watching closely. I was behind a gutsy filipina driver who passed the trucks when it was safe. There are barriers across the hwy that you must slow down for. I was passed by a new white (blacked out windows) Ford F 150 who crossed the double line and ran a van full of police off the road too. No stopping & no rules is de rigeur. There was an overturned semi right in the hair pin turn near GenSan on the mountain. The road was pretty bad, I had to turn around when I took the wrong turn headed into a Muslim area. I have seen accidents that were being photographed by the driver and the bus that squeezed him out. It's less dangerous than driving the winter roads in Northern British Columbia (CAN). The Toyota van had poor pick up when passing because it was a diesel. I trust my own driving so I can come and go as I please.
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Britster
7/23/2014 03:58 EST
I have my 2007 Yamaha XT225 'Serow' Fully Comprehensive Insured via MotorcycleOne Policy with Malayan Insurance.
My 2005 Hyundai Matrx 1,5 CRDi VGT is also Fully Comprehensive Insured with Malayan.
Our House & Contents with Family Hospitalization is also with Malayan Insurance. In that 1st year we made 2 claims under that Hospit;ization
Malayan paid out in full very promptly after we submitted all receipts, and the Claim Form completed and signed and Reports from Doctor.
I their vehicle Claims is equally efficient, as I am sure it will be, we have no worries with vehicle accidents (regardless whose fault it was) Fire and Theft also as well as Personal Injury.
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ACEPoolPlayer
7/25/2014 07:14 EST
I drove in the Philippines for many years. In Metro Manila, on the Expressway daily and in the provinces. You get used to it. You must be aggressive. If you are not an aggressive driver you may have big problems. Passive drivers are in the most difficult situations with Filipino driving because everyone will take advantage of you. The rule of the road is whoever is in front has the right of way. The biggest vehicle rules the road. I also used Malayan insurance and never had a problem.
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