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motorcycle accident

Discussion in 'Expat Section' started by kelpguy, Jan 24, 2022.

  1. Crystalhead

    Crystalhead Forum Patron Admin ★ Moderator ★ ★★ Forum Sponsor ★★ ★ No Ads ★ Highly Rated Poster Showcase Reviewer Veteran Army

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    P.S.........Keep it at the for-front of your mind that going after a Filipino financially in any way here in the Philippines......... can make yah regret it to say the very least. Be very temperate and know when to back away and in your situation I will say you can expect a loss in one way or another! Hope you recover fully and clearly you were at no fault based on what you say.
     
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  2. God Bless Texas

    God Bless Texas DI Member

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    Since R2 was on a company bike, are you able to get the company info? I don't know about Pinoy comapany liability for emoloyees but it would be worth talking to the owner. The company may have additional insuance, not to mention wanting their bike back from the police.
     
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  3. NowandThen

    NowandThen DI Forum Adept

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    This happened to me years ago: A pickup lost an unattached barrel with used oil. I was right behind him on my motorcycle and had no chance to keep the bike under control in this huge pool of oil. I fell and broke my arm and had major abrasions all over my body. The driver apologized but refused to provide information about his insurance. He said this was a company pickup and I should contact his boss. I called this company and was told they would decline any responsibility. After all, her employee would be guilty and his name was also mentioned in the police report. So I should hold him accountable. But I didn't call this man. This would have been wasted time. End of story It doesn't always have to end like this. But it is probably best to have your own accident insurance.

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  4. Jens K

    Jens K DI Senior Member

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    In my experience (one car, one motorcycle accident), the police report is just a statement of facts, without determining who's at fault. The meeting at the police to come to an "agreement" is standard procedure to close the case without going to court. Do not expect the police to do anything more than act as a mediator between you two. If you reach an agreement, they will add that to their report, release the bikes and close the case. If you both want your bikes back but cannot come to an agreement otherwise, they may still release both bikes and leave the rest up to a court.

    Even in the one case that I took to court, the police did not take sides but just presented the facts to the judge. The police "investigator" did not even go so far to attempt a guess at the opponents' speed based on skidmark length. For that, you would apparently have to find an expert witness that does so based on information from the police report.

    The insurance required with the registration just covers up to 100k of cost for injuries, no damage to property of any kind. So in theory, the opponents' insurance should cover the cost of fixing your hand. I've been lucky enough to not have to go that route, so I have no experience how that works. At the very least, you will have to obtain an official copy of the police report and submit that together with documents backing up your claim to the insurance. Most probably they have some form for you to fill out as well.

    As was said before, in theory the safest way is to get yourself proper insurance that covers your own and others' cost - that way, they will deal with the legal stuff themselves if they feel it's worth it. However, when I attempted to actually get something from the insurance I had, they required a police report "that says whose fault it was". Since the police refused to take sides in their report, at that point I just gave up and forgot about it. Needless to say I am back to riding without the extra insurance.

    Wishing you speedy recovery!
     
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  5. Rye83

    Rye83 with pastrami Admin Secured Account Highly Rated Poster SC Connoisseur Veteran Army

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    Is there an insurance company that provides full coverage for motorcycles? When I asked Prudential all they offered was liability.
     
  6. Show Pony

    Show Pony DI Forum Patron Highly Rated Poster Showcase Reviewer

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    The police report will indicate that R2 was at fault. You don't need the opinion of the police to verify that fact.
    The insurance coverage of the owner is in place to provide compensation to you.
    Get a lawyer to send the owner and the driver a demand letter. In the letter you could ask for your medical expenses, motorcycle repair costs and your legal costs. You could also request their insurance information.
    If the owner/driver are facing potentially mounting costs they might decide playing silly bugger is a bad strategy.
     
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  7. jim787

    jim787 DI Senior Member

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    I have insured to the max for a decade with Stronghold, their office in the pension house across the street from Qyosko, near where Belcris used to be. I've never had a accident to report nor made a claim. But when I recently called on a Saturday from a police station, the office being closed, the lady answered and was helpful. I imagine that would not happen with the cheapo plans you get from the smoke testers.

     
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  8. Mike_Haddon

    Mike_Haddon DI Member

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    Alpha Insurance on the boulevard. Next to where 7-11 used to be (upstairs).
     
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  9. NowandThen

    NowandThen DI Forum Adept

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    This is their website:
    alphainsurance.com.ph

    I checked their coverage in an event of accident. Unfortunately these numbers are pretty sobering. For example: Major operation 7500 Peso, Loss of two limbs 25000 Peso.

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  10. Crystalhead

    Crystalhead Forum Patron Admin ★ Moderator ★ ★★ Forum Sponsor ★★ ★ No Ads ★ Highly Rated Poster Showcase Reviewer Veteran Army

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