Posts Tagged ‘Mazda Greenhills’
Legitimacy of an Insurane Claims- Last Part
All’s well that ends well! After 4 weeks of waiting and investigating, finally Standard Insurance ruled out the claim as part of the accident! Thanks to the efficient service and mechanic crew of Mazda Greenhills, my Calvary is over. After a grueling week of knowing if the claim is valid or not, i really wanted to celebrate this as my personal best and longest, hardest claim in my insurance career’s history. Haha! I almost lose my face with my client because so far i have no claims yet that was denied and I am not sure if i can handle that situation for now…
I can not blame Standard Insurance for their decision to have a 2nd opinion with Mazda Greenhills because the affected part was the rack and pinion that causes the power steering to operate abnormally. Its really on the 50/50 situation wherein only a special machine could only tell if the defect was caused by the accident or if it is a wear and tear. They even spent an extra 3,000 pesos to send the rack and pinion to the machine shop just to ensure that the claim is accident related. In the insurance policy, it stated their that the insurance will only bring back the assured to its state prior to the accident; they won’t do more or do less. And because of too many fraudulent cases in the industry, the genuine accidents are sometimes being mistaken to a fraudulent one and unfortunately vice versa. Sometimes, we should blame ourselves if we favor ourselves to use insurance as a tool for a washover or to replace any undesirable dents or scratches in our car because sometimes the favor might return to us unfavorably.
Overall, i would rate Standard Insurance for this case as satisfactory only because the decision was quite slow and it made a very patient client to be irritated already. But I still support them because in reality you can’t please everyone. Thank you also to my ever-patient client for trusting my abilities with this complicated case.
Legitimacy of an Insurance Claim Part III
Wow! This is a very rare case. Yesterday, when i went with the client at Mazda Greenhills with Standard Insurance’s technical department, we examined and test drove the affected Mazda 3 unit. Yes, the power steering of the said unit is not functioning and the BIG question is, is it accident related or not? We did a few check ups to validate the claim.
We had the car computer diagnosed for P650 an hour and the computer saw nothing, meaning the damage is not visible in the computer. So we lifted the car trying to look for leaks, again we found nothing, no leaks from the power steering. So Mazda technicians suggested to pull down the Rack and Pinion and have it tested to a Machine Shop to find out if the impact damaged a bolt or beam inside for around P10,000 parts and labor included. The problem here is that the Insurance is willing to pay for it for as long as they proved that the damage came from the accident. Now Mazda Greenhills asked the insurance company, what if you declared that its not part of the accident?Who will pay? Is the customer willing to pay for the unexpected expenses? Actually, on my opinion if it is proven that its not part of the accident, the customer have no choice but to pay and proceed with the repair since it should be repaired anyway or it will be very inconvenient driving a car without the power steering. Another issue is even the technical of Standard Insurance nor Mazda can not decide unless we proceed with the pull down of the rack and pinion. Now, standard insurance is already asking for the approval from head office for the part and labor budget of this case.
If you were the assured, what would do or feel?
Legitimacy of an Insurance Claim Part II
Tomorrow will be a make or break for me as to regards to one of my customer’s insurance claim. As a recap, they wanted for a 2nd opinion whether the rack and pinion damage of the mazda 3 came from the accident or it will considered a wear and tear. We will be meeting with Standard Insurance Techincal staff at Mazda Greenhills around 10am. Hopefully, everything will turn out OK since from my point of view, it is a valid claim. cross fingers! I am really thankful to my client for being so understanding and patient. Good luck to both of us tomorrow! To be continued…
