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Comprehensive Car Insurance

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1 Comprehensive Car Insurance on Thu Sep 13, 2012 9:38 pm

JunV


Arresto Menor
Magandang Gabi po Atty!!
Ako po ay sumulat sa inyo at nagbabaka-sakali na ako'y inyong
matulungan. Tungkol po ito sa aking sasakyan na ni-loan po sa isang
banko sa Malabon noong December 2009 at maluwalhati sanang matatapon ngayong November 2012.

Nagsimula pong lahat ang problema noong Agosto 7, nang bayuhin
ng HABAGAT ang Metro Manila. Isa sa matinding naapektuhan ang Malabon
City. Isa po ang barangay namin ang lubhang nasalanta.
Umabot po hanggang 6-7 ft ang baha sa harapan ng aming bahay. Sa
madaling salita, yung sasakyan na hinuhulugan ko ay kasamang lumubog.
Tatlong (3) araw na nakalubog at nakababad yung sasakyan at nadala ko
lamang sa Toyota North Edsa nung Agosto 10, 2012.

Tinawagan ko ang Branch Manager ng bangko para asikasuhin
na ang Comprehensive Insurance na may Acts Of God para maisagawa agad
ang mga dapat ayusin sa sasakyan. Ang sabi nya sa akin, tumawag ulit ako
ng Lunes, Agosto 13, 2012 para makuha nya ang Insurance Policy sa Head
Office ng kanilang bangko.

Dumating ang Lunes at ako ay umaasang makukuha na ang Insurance
Policy para maiayos na ang sasakyan. Ngunit laking gulat ko ng sabihin
ng Branch Manager na walang Insurance ang sasakyan na patuloy kong
hinuhulugan sa kanila." Paano 'ka ko nangyari yon, "technically" , sa
kanila pa yung sa sasakyan? ". May binigay siyang mga pangalan ng taong
pwede mag verify ng nangyari. Tinawagan ko ang mga ito at sa bandang
huli ay sinabihan ako na sila ay nage-mail pa noong March 2012 sa Branch
Manager para i-renew ang Insurance Policy ngunit ito "daw" ay hindi
binigyang pansin ng Branch Manager.

Nagbalik ako sa Branch Manager para siya ay usisain pa. Tinanong
ko sya kung totoong may natanggap syang email sa Head Office. Oo nga daw
at meron at ito'y kaniyang nakalimutan na sa dami ng kaniyang trabaho.
At kahit daw naman ito'y kanyang nakalimutan, automatic naman dapat ang
pag renew nung Insurance dahil ito'y pag-aari pa ng bangko.

Ang lahat ng ito ngayon ay aking dinulog sa Bangko Sentral ng
Pilipinas (BSP). Patuloy ang palitan ng paliwanag tungkol sa nangyari sa
pagitan ko at ng bangko habang ang aking sasakyan na hanggang ngayon ay aking hinuhulugan ay nabubulok na sa garahe ng Toyota.

Maayos naman ang pag asikaso ng BSP, ngunit hindi po mawala sa
isip ko na ang nalaking bankong tulad nila, isa sa mga may sinabing commercial banks sa Pilpinas, ang aking nirereklamo. May legal na basehan po ba ang reklamo ko.? maraming salamat po!

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2 Re: Comprehensive Car Insurance on Sun Sep 16, 2012 9:21 pm

attyLLL


moderator
look back closely at your chattel mortgage contract and what it says about the insurance.

if all you had to do before was to pay the bank for it, then there is a contract that they will arrange for it, failing which, it is their fault.


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3 Re: Comprehensive Car Insurance on Sat Oct 20, 2012 8:49 pm

JunV


Arresto Menor
maraming salamat po attyLLL!!!! follow up lang po, ano po comment nyo sa provision na ito sa chattel mortgage contract...

"You will at all times, preserve and keep the Goods in good condition and shall make all needful repairs on the Goods. You will at your own expense, keep the Goods adequately insured against loss or damage by accident, theft and fire during the term of this Agreement with a good and responsible insurance company acceptable to us, for an amount not less than the outstanding balance under your Agreement. The insurance will note the our Bank as principal beneficiary. If you fail to provide proof of the insurance required or its renewal within 10 business days from the renewal date, we may at our sole discretion, obtain such insurance and you agree that we should charge the premium costs and other expenses entailed thereby to your account by increasing the balance due under this Agreement. You should not however, consider this as constituting any responsibility or obligation on our part to ensure that satisfactory insurance is in place as this remain your primary responsibility."

thanks again attyLLL!!!

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