Last year a few days after I finished my driving lessons I trashed a car. Biro mo nanghiram na lang ako winasak ko pa. Dyahe sa may-ari kasi super love nya car nya and ako lang ang nakasira. Ayon tinamaan bumper, fender pati ilaw. Hassle kasi biro mo 1 week carless yung hiniraman ko(churi na). Eto pa ang matindi both cars (ung dala ko and nabangga ko) parehong di insured. So butas pa wallet ko. Savior Tatay ko kasi he was the one who made repairs on the other car na nasira and I was able to save at least around 22,000.Right after that when I finally got my car after 2 months while driving along Alabang ayon KAPLANG...ako nman ang binangga. A student driving a Ford Lynx hit my 2 doors on the right. Apart from the minor rim scratches from hitting gutters and parking concrete barriers eto major talaga. I felt the car move inches away from my lane due to the impact. She was crying and ako ata natawa na lang. Nasanay na mabangga. hahaha.
One bangga from another and the last one is today. Kung may BOY MALAS ako na ata si MS MALAS. Minaster ko na ata ang skills ng banggaan. Someone suggested I get a new car baka ung car jinx and another one suggested I get a driver. Ang hassle nman magtaxi na lang kaya ako?. Para may matutunan nman kayo sa article na to here's how to handle situations like this when you get into a car accident:
- Make sure you have your license and photo copy of your car registration. Always have a photo copy in your car. Get a copy of the car registration and license of the other party.
- Take photos of the cars habang hindi pa naalis sa area. Make sure to take photos of every angle. If you don't have a digicam with you then use your phone camera.
- Make sure you take note of the street/ area where the accident happened and also the time it happened for you need these details on the police report.
- Drive to a nearby MMDA station if no traffic enforcer is around the area.
- Get a police report detailing the accident. Usually they charge Php500 for this. A police report will include testimonials of both parties on what happened, photo copies of licenses and car registration and photos of the cars. According to the traffic enforcer it will take a week before you get the police reports but I think this really depends on the area you are in. Of course alam nyo na ano ang mga susunod na mangyayari sa ganitong situation. WHat happened to me is it took longer that it supposed to kundi pa naglagay ng pampabilis we won't get the report on time.
- Call the insurance and inform them on the accident
- Get estimates on how much the repairs will cost. You need this before filing for the insurance.
- File for your insurance and make sure to follow up.
- Once you receive the approval then proceed to the dealer where you will have your car repair. Take note of the expiration date when you can bring your car to the service center. Usually the insurance company will give you 30 days upon issuance.
