Mga dapat gawin kung sakaling nalubog sa baha ang iyong sasakyan, alamin | Dapat Alam Mo! - video Dailymotion

GMA Public Affairs

Aired (July 30, 2024):  Maraming sasakyan ang pinalubog ng Bagyong #CarinaPH at habagat noong nakaraang linggo. Ano-ano nga ba ang maaaring gawin sakaling nalubog sa baha ang inyong sasakyan, SuKi? Alamin ‘yan sa video.

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00:00Aside from the garbage, the cars of Super Typhoon Kareena and Habagat also made a mess.

00:08They were traveling in the parking lot and even though there was a garage in the house with a car and a motorcycle,

00:13they were not saved from the flood, Kuya Kim.

00:15That's why the calamity was left to the owners of the cars that were damaged by the damaged equipment in the house.

00:21How can a car that was submerged in the flood be repaired if it has or does not have insurance?

00:27We are here with Atty. Alwin Franz Villaruel, the Division Manager of the Claims Adjudication Division of the Insurance Commission.

00:35Welcome to Dapat Alam Mo, Atty. Villaruel. Good evening.

00:38Good evening. Thank you for having us as your guests.

00:41You are very important right now.

00:44Atty. Villaruel, what if the owners of the cars do not have insurance?

00:48What are the ways to make their cars cheaper?

00:53As an alternative to making cars cheaper, we can choose from the mechanics that we know and trust.

01:02Maybe we can ask for a discount.

01:04Also, if those mechanics know that they can get parts that are cheaper than the market.

01:12But that's what insurance is addressing.

01:16In exchange for paying a premium that is lower than the cost of making our car,

01:24we will have peace of mind that if there is an accident like that, the insurance will pay for it.

01:32What if you are the one who decided to submerge your car in the flood, even if you can't afford it?

01:39What would you do? Would you pay the insurance?

01:42Well, first of all, we should know if there is a coverage of the acts of nature, the insurance policy.

01:48Acts of God.

01:50Because normally, in the default insurance policy, it is not included unless you pay an additional premium.

01:57If the premium is higher, it is included?

01:59Not necessarily.

02:01Because there is also a provision in the insurance policy that says that as an insured,

02:07you will do reasonable steps to safeguard the insured vehicle against damage.

02:15So if you say that, it's like we're violating our obligation.

02:19A follow-up question, what covers the insurance?

02:22Is it just the engine or the detailing?

02:26Because the detailing of a flooded car, for a car, it's already expensive.

02:29Or all of it?

02:30Well, according to the insurance policy, the general concept of insurance,

02:36you will return it to its condition before the loss.

02:41So if the engine is damaged, it will be repaired, but only up to the extent of what's in the insurance policy.

02:48Repair or replace?

02:50It can be replaced, but when it's replaced, the insurance company applies a depreciation cost according to the age of the vehicle.

03:00So Tony, if there's insurance, what are the requirements and how long does it take to claim the insurance?

03:08Okay, so it depends.

03:10Because in the insurance company, they ask for different documents.

03:13But usually, the common one is the ORCR of the vehicle, a copy of the insurance policy,

03:20and maybe the pictures of the damaged vehicle.

03:24And then, well, if there's an additional thing that the insurance company asks for, we will give it.

03:30Now, according to the insurance code, there's an insurer between 30 to 90 days within which to decide the claim and pay the claim accordingly.

03:40So that's how it is.

03:42The insurance company can choose whether to give money or to cause the repair of the vehicle.

03:49So it can be, there's a choice.

03:50Atty. Villaruel, what if there's a flood in the paid parking?

03:55Does the establishment that owns the paid parking have a responsibility?

03:59This is a bit out of the insurance.

04:01But according to the civil code, there's an obligation because it's like a lease.

04:05We lease the parking space.

04:07So under the civil code, Lesor has an obligation, the owner, that the owner should have enjoyment when he leases the space.

04:19Now, if there's a flood, it's like there's a violation of that obligation.

04:24But on the other hand, the civil code also says that if there's a fortuitous event, the acts of nature, no party will be responsible for it.

04:34Each bears his loss.

04:36What if you say you park at your own risk?

04:38In my opinion, it just depends on how the argument will be presented.

04:42Atty., for example, if it's just a company vehicle, and there's a flood, does the vehicle owner have a responsibility?

04:49Like what I said earlier, according to the civil code, there's no responsibility if it's a fortuitous event like flooding, tsunami, etc.

05:03Each bears his loss.

05:07But in my opinion, it is possible if there's negligence on the part of the employee.

05:18Atty., thank you very much.

05:20We learned a lot.

05:22Thank you very much.

05:24Alwin Franz Villanueva, from the Insurance Commission for Makabuluhan Talakayan.

05:26And I hope this helped our viewers.

05:28Stay tuned for more important news.

05:30And Makabuluhan with a true story.

05:32We'll see you there, Sukis!

05:47you

Mga dapat gawin kung sakaling nalubog sa baha ang iyong sasakyan, alamin | Dapat Alam Mo!

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