So I Had An Accident...

[BrettGC]

Well, it happened, an accident in PI.  Well it was me vs a wall when I misjudged the turning circle of our relatively new car.  I scraped the RHS front bumper and the black plastic beneath it.  

There was originally a dent but I popped that out easily enough.  

No big deal, we're insured.  

Why am I posting this minorly embarrassing incident?  I just want to share the positive experience (no sarcasm) of the repair process.

Saturday June 25:   Accident

Tuesday June 28:  Talk to Toyota Dumaguete (our insurance is through them), they take photos, send off an authorisation, we wait for approval. 

Friday  July 01 :  Approval for repair comes through from the insurer.  Price to fix, 37,000PHP covered by insurance.  Our deductable (excess), 3000PHP - very pleasant surprise which we paid at the time.  We wait for parts.

Monday July 11:  We get a call that the parts have arrived.

Tuesday July 12:  We drop the car off, the insurance rep says the car will be ready by Sat 16 July.

Thursday July 14  AM:  Phone call to say the car will be ready in the PM.

Thursday July 14 PM:  We pick the car up. 

 I have to say, I've had far more issues dealing with insurance claims in Australia - and no, for the smart arses, there weren't many of them .  I just wanted to highlight this positive experience. 

 

 

[Freebie]

On the subject of positive stories thought Id share one , as we all often have so many negative stories and experiences

In a recent pop up shop sale in Makati bought a couple pairs of Merrell walking shoes.. I walk regularly in the mornings, and after just a few weeks the soles on one pair literally cracked. Shoe repair places said they couldnt repair and that the shoes were "expired".

Went to a Merrell retailer in Makati and showed them the shoes . They asked if I had the receipt. Showed it to them.

The OIC took some pics and later sent me sms saying I could get a credit for the value of the receipt.

Was pleasantly suprised , having expected to hear " Its our policy not to accept returns" etc as often happens in these parts. .

 

[OnMyWay]

59 minutes ago, BrettGC said:

I have to say, I've had far more issues dealing with insurance claims in Australia - and no, for the smart arses, there weren't many of them .  I just wanted to highlight this positive experience. 

Who is your insurance with?

[BrettGC]

3 minutes ago, OnMyWay said:

Who is your insurance with?

They have their own in-house insurance, I'm not sure who it's underwritten by though.  

[OnMyWay]

1 hour ago, BrettGC said:

and no, for the smart arses, there weren't many of them

I think when you run your car into a wall, that is intentional, not an accident.  

 

[OnMyWay]

1 hour ago, OnMyWay said:

I think when you run your car into a wall, that is intentional, not an accident.  

 

There are some exceptions.  Like the time we went to look at Christmas lights in Pampanga.  I was parked in a dark area, and when we left, backing up, I didn't notice that someone had moved a giant concrete power pole right in back of me.  If I would have caught them moving the pole, there would have been hell to pay!

 

[BrettGC]

38 minutes ago, OnMyWay said:

There are some exceptions.  Like the time we went to look at Christmas lights in Pampanga.  I was parked in a dark area, and when we left, backing up, I didn't notice that someone had moved a giant concrete power pole right in back of me.  If I would have caught them moving the pole, there would have been hell to pay!

 

Similar to my experience with the wall!! 

[Dave Hounddriver]

Serious question.

In BC, Canada you have to have a police report before the body shop can fix it if the damage is more than a certain dollar value.  Did that come up?  I am wondering if there is a requirement for that in the Philippines. 

The reason would be to stop hit-and-runs I am thinking.

[Gator]

1 hour ago, Dave Hounddriver said:

Serious question.

In BC, Canada you have to have a police report before the body shop can fix it if the damage is more than a certain dollar value.  Did that come up?  I am wondering if there is a requirement for that in the Philippines. 

The reason would be to stop hit-and-runs I am thinking.

Although the logic behind the requirement is sound, perhaps you forgot what country you’re asking about, 🤣🤣🤣

Even if it is a requirement, I’m quite sure there are ways around it…..like making a donation to a police officers beer fund in exchange for the report. 

[BrettGC]

5 hours ago, Dave Hounddriver said:

Serious question.

In BC, Canada you have to have a police report before the body shop can fix it if the damage is more than a certain dollar value.  Did that come up?  I am wondering if there is a requirement for that in the Philippines. 

The reason would be to stop hit-and-runs I am thinking.

I did ask the question, as it's the same in some states in Australia.  They looked at me funny, so not required in their eyes.  It could be a PHP value thing though but I had the impression that they'd not encountered it before.  I also asked about a courtesy car, again the norm in Australia, they'd obviously been asked this one before and a polite chuckle with a "no sir" was the response. 

 

Edited July 14, 2022 by BrettGC