Car Insurance - Page 2

Go Back   Expat Forum For People Moving Overseas And Living Abroad > Asia > Philippines Expat Forum

Philippines Expat Forum The Philippines Expats Forum is dedicated those individuals that have chosen to make Philippines their new home. This forum is an ideal place for Expats now living in Philippines to meet and discuss all aspects to their new way of life.

Like Tree12Likes

Car Insurance - Page 2


Reply
 
Subscribe to this Thread Thread Tools
  #11 (permalink)  
Old 1st April 2018, 03:06 PM
Member
 
Join Date: Apr 2015
Location: Philippines
Posts: 279
Rep Power: 100
JRB__NW is a glorious beacon of lightJRB__NW is a glorious beacon of lightJRB__NW is a glorious beacon of lightJRB__NW is a glorious beacon of lightJRB__NW is a glorious beacon of lightJRB__NW is a glorious beacon of light
317 likes received
749 likes given

Users Flag! Originally from usa. Users Flag! Expat in philippines.
Default

Quote:
Originally Posted by Gary D View Post
Only if the family can afford it, there's no state verses in the Philippines.
Are you serious? Charges couldn't be brought against the driver?

Reply With Quote Quick reply to this message
  #12 (permalink)  
Old 1st April 2018, 10:50 PM
Zep Zep is offline
Member
 
Join Date: Jun 2017
Location: Tarlac
Posts: 161
Rep Power: 0
Zep is on a distinguished road
164 likes received
18 likes given

Users Flag! Originally from usa. Users Flag! Expat in philippines.
Default

Quote:
Originally Posted by Zep View Post
If the car is in my wife's name can the injured go after her(owner of vehicle) in court even though she was not the driver?
Does anyone know the answer to this question? I may need to reevaluate the entire use of this vehicle. I might even need to sell it to get rid of the liability.

We loan/rent the car to relatives occasionally but I was guessing that if they were in a accident that the victims would go after the driver. Now I am concerned they could go after me/wife as the owner of vehicle. Even if I have insurance I am not sure that would cover say my brother in law driving it.

If I put the vehicle in a relatives name then I wonder if I can insure it for me when I drive.

If I could just count on someone to be available and reliable to drive I would give up driving all together but I can't even find anyone to clean my house reliably.

Reply With Quote Quick reply to this message
  #13 (permalink)  
Old 1st April 2018, 10:59 PM
Gary D's Avatar
Member
 
Join Date: Oct 2013
Location: Hermosa Bataan
Posts: 1,604
Rep Power: 200
Gary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud of
1409 likes received
296 likes given

Users Flag! Originally from uk. Users Flag! Expat in philippines.
Default

Quote:
Originally Posted by Zep View Post
Does anyone know the answer to this question? I may need to reevaluate the entire use of this vehicle. I might even need to sell it to get rid of the liability.

We loan/rent the car to relatives occasionally but I was guessing that if they were in a accident that the victims would go after the driver. Now I am concerned they could go after me/wife as the owner of vehicle. Even if I have insurance I am not sure that would cover say my brother in law driving it.

If I put the vehicle in a relatives name then I wonder if I can insure it for me when I drive.

If I could just count on someone to be available and reliable to drive I would give up driving all together but I can't even find anyone to clean my house reliably.
This happened a few years ago. A relative owned a hauler, badly maintained, poor or no brakes. It was in a accident and ran down a your woman who was badly injured. The owner was pursued, not the driver who was another relative.

Reply With Quote Quick reply to this message
Sponsored Links
Advertisement
 
  #14 (permalink)  
Old 1st April 2018, 11:03 PM
Gary D's Avatar
Member
 
Join Date: Oct 2013
Location: Hermosa Bataan
Posts: 1,604
Rep Power: 200
Gary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud of
1409 likes received
296 likes given

Users Flag! Originally from uk. Users Flag! Expat in philippines.
Default

Quote:
Originally Posted by JRB__NW View Post
Are you serious? Charges couldn't be brought against the driver?
Very serious. If the family can not afford to bring a case nothing will happen. This happens with all disputes in the Philippines. Murder being a prime example, the one with money wins. The poor can not afford justice and the rich know it.


Last edited by Gary D; 1st April 2018 at 11:04 PM. Reason: spelling
Reply With Quote Quick reply to this message
  #15 (permalink)  
Old 1st April 2018, 11:11 PM
Gary D's Avatar
Member
 
Join Date: Oct 2013
Location: Hermosa Bataan
Posts: 1,604
Rep Power: 200
Gary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud of
1409 likes received
296 likes given

Users Flag! Originally from uk. Users Flag! Expat in philippines.
Default

Another example. In my wife's village up the mountain near Amlan, Negros Oriental there is a badly damaged hauler in the front of a house, again no brakes. The front of the house is destroyed with the hauler parked there with the front destroyed. The owner of the truck unloaded the sugarcane and abandoned it. Offered the house owner 10,000 peso and let them keep the truck.

Reply With Quote Quick reply to this message
  #16 (permalink)  
Old 2nd April 2018, 01:15 AM
Zep Zep is offline
Member
 
Join Date: Jun 2017
Location: Tarlac
Posts: 161
Rep Power: 0
Zep is on a distinguished road
164 likes received
18 likes given

Users Flag! Originally from usa. Users Flag! Expat in philippines.
Default

I came to the Philippines to have a simple life and get away from the taxes and insurance fraud in the US. Looks like I have not escaped it after all.

Now I find out I need insurance on all my vehicles - to prevent being sued for anything related to my ownership or use of said vehicles.

I need health care insurance - to prevent being left for dead in the hallway of the hospital because I don't have cash on me to cover the life saving treatment.

I need homeowners insurance - to prevent being sued form a person on my property getting electrocuted or falling off the roof.

I guess I could roll the dice and not have any of the above (like currently) and just leave the country if anything happens (unless I am in jail).
Asian Spirit and fmartin_gila like this.

Reply With Quote Quick reply to this message
  #17 (permalink)  
Old 2nd April 2018, 01:46 AM
Member
 
Join Date: May 2011
Location: Mandurriao,Iloilo,Phils
Posts: 1,246
Rep Power: 225
fmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud of
1320 likes received
1008 likes given

Users Flag! Originally from usa. Users Flag! Expat in philippines.
Default

Quote:
Originally Posted by Zep View Post
I guess I could roll the dice and not have any of the above (like currently) and just leave the country if anything happens (unless I am in jail).
Thats about how I look at it.

Fred

Reply With Quote Quick reply to this message
  #18 (permalink)  
Old 2nd April 2018, 01:57 AM
Gary D's Avatar
Member
 
Join Date: Oct 2013
Location: Hermosa Bataan
Posts: 1,604
Rep Power: 200
Gary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud of
1409 likes received
296 likes given

Users Flag! Originally from uk. Users Flag! Expat in philippines.
Default

Quote:
Originally Posted by Zep View Post
I came to the Philippines to have a simple life and get away from the taxes and insurance fraud in the US. Looks like I have not escaped it after all.
.
The judiciary, schools, healthcare etc were all set up by the US on the US model so why did you expect any difference.
Manitoba and Missouri Bob like this.

Reply With Quote Quick reply to this message
  #19 (permalink)  
Old 2nd April 2018, 10:16 PM
Zep Zep is offline
Member
 
Join Date: Jun 2017
Location: Tarlac
Posts: 161
Rep Power: 0
Zep is on a distinguished road
164 likes received
18 likes given

Users Flag! Originally from usa. Users Flag! Expat in philippines.
Default

Quote:
Originally Posted by Gary D View Post
The judiciary, schools, healthcare etc were all set up by the US on the US model so why did you expect any difference.
The difference is I should be able to live like the 400 million Filipinos and not have insurance. If they are at fault they would pay nothing or let the 100k liability handle it. But looks like they will see a big payday because I am an American and take me for everything I have.

The value of life here is not vary high as I give money to people to take their kids to the hospital but they spend it on other things and in one case their kid died from simple pneumonia. They would rather buy cigarettes than high blood pressure meds.

If they are in a hospital bed it seems like they pull the plug if the bill is going to be more than 100k pesos so why should I have to pay millions of pesos to save a life.

Oh well, I have decisions to make. In the meantime no one drives the cars or is allowed on the property.

Reply With Quote Quick reply to this message
  #20 (permalink)  
Old 4th April 2018, 02:21 AM
Member
 
Join Date: May 2011
Location: Mandurriao,Iloilo,Phils
Posts: 1,246
Rep Power: 225
fmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud offmartin_gila has much to be proud of
1320 likes received
1008 likes given

Users Flag! Originally from usa. Users Flag! Expat in philippines.
Default

Quote:
Originally Posted by Zep View Post
They would rather buy cigarettes than high blood pressure meds. .
Thats how it seems to work here. Had a neighbor down the street who died about a year ago who could always find enough money to get drunk each day but could not afford to see a doctor.

Fred
Missouri Bob likes this.

Reply With Quote Quick reply to this message
Reply


Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Expat Forum For People Moving Overseas And Living Abroad forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:
Location
Where you live
Expat From Country
Please select the country you originate from. This will appear as a flag when you make posts on the site.
Expat To Country
Please select the country you have either moved to or want to relocate to. This will be presented on the site when you make posts.

Log-in


Thread Tools

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Car insurance in Portugal: 2nd hand car purchases. ExpatNick Portugal Expat Forum for Expats Living in Portugal 4 6th April 2016 02:02 PM
, Any advice appreciated on car Insurance in Spain with NCB with Spanish insurance. agua642 Spain Expat Forum for Expats Living in Spain 9 29th August 2015 05:08 PM
Car Insurance/travel medical insurance dstan Mexico Expat Forum for Expats Living in Mexico 1 20th November 2012 03:59 AM
Cost of medical insurance...car insurance sgtanne Italy Expat Forum for Expats Living in Italy 3 21st September 2011 01:08 PM
Car Insurance and Home and buildings insurance valerie Italy Expat Forum for Expats Living in Italy 6 5th August 2011 01:48 PM

FORUM PARTNERS

ExpatForum.com is owned and operated by VerticalScope Inc.

Retiring Overseas Guides | Moving Overseas Guides | Cost of Living | Health Care Guides


All times are GMT. The time now is 04:36 AM.


Powered by vBulletin®
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2019 DragonByte Technologies Ltd.