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