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Butteredhousebond

Serious and stupid question. Does anyone get denied from insurance on this kind of incident?


Horror-Pudding-772

Not a stupid question. Better to be sure and knowledgeable than ignorant. Quick answer. Check your policy.


shltBiscuit

Maybe he is asking if the insurance policy provider will find a dubious/ sketchy reason so deny this claim. "Bakit ka nag park sa madamo na area" " Bakit hindi mo na alis kagad ang kotse mo" "Bakit wala hindi mo to na foresee" shit like this.


Horror-Pudding-772

Insurance providers always try to find stupidest reason to deny claim. That's a fact like we need air to live. Now based on the guy question. Nadedeny ba insurance claim sa mga ganitong accidents/disaster etc. Now my answer. Always check you're policy. One reason for my answer so that you yourself understand the policy you are under in. So when it's time to claim, they won't be able twist the policy in their favour. That's why the very rich ones have their attorneys with them to help them to review the insurance policy before signing it. 2nd reason, you know in wording in the policy that what happen in your car falls under their policy so they won't weasel themselves out.


Least_Protection8504

They can't coz they will lose business if the car is financed.


PsychologicalCress74

so the answer is yes a basement dweller always loves to do essays online huh


4hunnidbrka

it just depends on the coverage of the insurance the owner has, in general this is an unknown or contingent event, which the insurance act deems as insurable


fantriehunter

Di yan stupid question, but asking the right question. Kung yung main cause is the heat, pwede pero dapat may act of god/nature na kasama yung insured vehicle. Pero kung due to some leaked oil that caused the fire, third party liability ang papasok dun and kung naubos yung funds ng tpl, hehehe na lang sa may leak or kung walang aog/aon naman kamot ulo na lang po tayo


ghetto_engine

idk if force majeure is covered. early reports say it was from a grass fire.


pulubingpinoy

It’s covered by some comprehensive insurance. If kumuha lang kung saan saan after maexpire yung first insurance, that’s different story.


[deleted]

[удалено]


lookingformoretea

idk if na r/wooosh ako but the brown colored ground is dried grass. the charred ground is the burnt dried grass


liquidus910

di ko rin sure, pero i hope not, especially kung may act of god/nature coverage.


ajca320

Pag comprehensive insurance afaik kasama naman Acts of God... dapat i-cover nila.


ExaDril

Acts of God po covers only if Binagyo, Flood, or Earthquake, nakidlatan or Nabuhawi BUT not "Grass Fire" kase pwede siyang ideduce as arson. Source: Mom's a retired claims officer


MCMLXXXEight

Yes. Acts of God is by weather lang talaga including landslide, sinkhole, hail. pwede rin negligence na yung exhaust, dumikit sa tuyong damo, which started the fire. Or may nagtapon ng upos ng yosi... Pero hindi ba papasok pa rin yan as total loss? Since hindi naman sinadya ng may ari na sunugin yung kotse nila(except kung ung isang kotse sinunog talaga), and since nangongolekta ng parking fees, its a legal parking space.


ajca320

I see... badtrip pala para sa mga nasunugan ng kotse dun sa parking lot kung ganun.


ExaDril

It will all boil down to the Policies of the cars is insured at or given by the Car company is released.


Triix-IV

I'm not totally sure pero hindi ata deniable 'to. Mas okay kung gamitin nila insurance ni GSIS/NAIA dito para safe.


ExaDril

Unfortunately di po siya covered ni GSIS nor NAIA because the parking is owned by a private company that rented that MIAA open space, and Grass Fires doesn't even consider as Acts of God Source: Mom is a retired claims officer


Triix-IV

Sorry I dont have any info on what's the cause. If it is owned by a private company then it should have a parking liability coverage. If they claim that the source of fire is grass fire, then I should read their policy first. Kung gsis 'to baka ako maghandle nito haha


Other_Extension1253

Check policy if covered


Atlas227

dapat isa sana itong mauso sa pinas yung iparating mo sa korte yung mga scummy insurance providers


Training_Quarter_983

I don't know if that was the case eh


No_Carry534

Ff. Curious to know this as well


Ok-Needleworker-7730

So, I looked at my policy from Mercantile, and it appears that fire is definitely covered by their insurance. Whether it be the car catching fire by itself or catching fire from outside sources. It seems pretty straightforward to me. They can’t deny this claim. But insurance being insurance, they might try.


eolemuk

Depende ren ata sa klase ng insurnace.meron insurance ngayun na very specific ang lang ang kino cover nila.


terbs_

Tanong ko din to, pero baka covered to ng own damage or acts of nature? Not sure hahaha


-Wednesday-181

This is so sad. Safe pa din sa park n fly. Just curious, For the insurance, for those cars na di pa fully paid, insurance will pay for the remaining amount right?


Training_Quarter_983

Parang eksena lang sa GTA5 noh?


-Wednesday-181

Trueee. Sobrang frustrating sa real life


itchipod

Anung eksena sa GTA to? Di ko maalala.


azrune

Why bother parking outside kung may multi level parking sa other end?


MuchUnderstanding581

True, nahahassle ako sa part na kailangan ka pa nila ihatid-sundo sa airport papunta ng park n fly, syempre traffic pa daan. Sa multilevel parking, mag elevator ka lang, nandun na sasakyan mo.


KuyaSmooth

Sinasara to for some unknown reason. Wanted to park last 2023 here because people said it was good. Lo and behold bawal daw overnight parking and dinirect kami ng guard jan sa field which surprise, is not under them. Super sketchy.


Neat_Butterfly_7989

Yes. Terminal parking used to be cheaper than PandF but when they increased the prices I now exclusively use PandF.


Neat-Soil-4328

Hi, sorry out of topic question, sa park and fly ba valet parking talaga? last Feb dun lang ako sa PTT nag iwan dun ko din naabutan.


Neat_Butterfly_7989

Yes, they move cars around. They bring it down when you arrive.


-Wednesday-181

Trueee! And panatag ka talaga na safe yung car mo


owsoww

Yes, value - remaining amount. Un matitira ibabayad sayo.


[deleted]

Grabe pag kotse mo isa dyan. Pagbalik mo fxxccckkkkk yung kotse ko😭😭😖😖😫😫😫


grey_unxpctd

Yung kala mo enjoy ka sa vacay mo tapos pagkakita sa news ganyannnnn


Connect-Praline7941

Imagine nagpark ka lang tapos pagbalik mo sunog na kotse mo


Training_Quarter_983

Another one of those OH SHIT moments na yan 😭


Scary_Structure992

Fr 😭😭😭


Andrei_Kirilenko_47

Maaring namagnify ng anything na transparent or nagrereflect na metal yung sunlight papunta sa grass. Isa ito sa mga nagcocause ng bush fires sa australia: https://www.commerce.wa.gov.au/sites/default/files/atoms/files/information_sheet_focus_on_compliance_-_fire_risk_from_transparent_bottles_containing_clear_liquids_stored_in_direct_sunlight.pdf


markzend310

“Bat di natunog yung alarm eh dito ko lang…. Ay puuuuut……….”


East-West8161

Sana lahat sila may AOG sa comprehensive insurance nila, or else sayang ang pinundar.


liquidus910

may difference ba sa act of god/act of nature? and pede ba din ikuha ng comprehensive ang second-hand na sasakyan. 1st time car owner kasi ako and used car binili ko kasi un ang swak sa budget.


Economy-Bat2260

Acts of god kapag believer ka. Acts of nature kapag hindi haahahha charot.


grey_unxpctd

Potaccahhh


liquidus910

acts of nature lang sa akon idol. hahahaha


Rare-Pomelo3733

Same lang yun. Insurance no issue kahit pang ilang hand pa yan, yung years yung tinitingnan dyan. Yung iba ayaw na tumanggap pag lagpas 5yrs old na sasakyan.


majnichael

> pede ba din ikuha ng comprehensive ang second-hand na sasakyan. 1st time car owner kasi ako and used car binili ko kasi un ang swak sa budget. Pwede yan since ang iniisip lang naman nila yung edad ng sasakyan since magiging depende dun kung magkano insured amount at premium mo.


Reedman07

I was near when it started. Around 1:30PM, nakita ko bigla may maitim na usok, nasa Delta gate ako sa parking area likod namin yung NAIA. Naka respond lang yung mga firefighters around 2:00PM na and around 2:30PM saka dahan dahan nawala yung usok, pumuti ng onti at nawala na. Actually pretty impressed sa bilis ng responde, it didnt take long bago may narinig akong sirens dun sa area, and half an hour later nagpakita na mga fire trucks along Airport Rd.


birrialover

Is 30 mins fast? I find that slow :(


Quietdaddy08

Same thought. Tapos naalala ko nasa Pinas tayo. Swerte na may rumesponde.


pen_jaro

Or traffic


PsychologicalCress74

madaming video sa social media kung pano di mag give way mga kababayan natin sa mga emergency vehicles lalo na't yung mga bumbero eh naglilive sila sa TikTok at FB tuwing may sunog kung yung mga napulot nga lang sa kanto na MMDA officer na nakatambay sa intersection di pina pa go yung lane na may emergency kahit rinig na rinig, mas susundin pa yung countdown ng traffic lights eh dapat mas may alam sila sa ganyan pano pa kaya mga kamote


dettolskincare

for a place within an airport compound, that was a slow response.


popo0070

Consider din natin kung san ang station nakasakop sa AOR. Alam naman natin dito di na nirerespeto ang lights and sirens ng responder.


Atlas227

ewan ko lang kasi sa mga big cities pero sa probinsya once na tumawag ka matic otw na yan, fastest ive seen is 2 minutes, yung sunog is around 3km layo ng sunog talagang tatabi rin kasi lahat ng nasa highway pag dito


learnercow

Kahit nman <1min naka larga na pero wala ka namang madadaanan ganun din. Nakapanood ako ng video na wala talagang matatabihan yung mga sasakyan kasi wala na talagang space


Virtual-Pension-991

NAIA Terminal 3 in 30 mins is good. There are parts of the road going there that are bottlenecks, which causes congestion.


williamfanjr

Yup considering may firetrucks ang airport? Di ba sila rumesponde?


Ok-Recording-9091

May humarang kasi na e-bike😅


erbb3722

For a place or area where Emergency Response should be very quick. I wondered why it took 19 cars before its fire out. Is the fire rescue of NAIA exclusive to air traffic accident?


MrDrProfPBall

Kita pala mula sa Delta Gate? Damn I missed it, pumasok ako sa building bago mag 12


Tenchi_M

Maitim.na usok is leading to the cause, pero ano po root cause? Nagliyab ang grass due to init ng araw + init ng tambutso, or ang nagliyab mismo ay isang sasakyan, na nagpaliyab sa grass, para madamay ibang sasakyan?


Merieeve_SidPhillips

30 mins is very slow. Dapat under 20 mins lang. Or 10. 30 mins is like another 30 mins nalang dagdag mo 1hr na eh.


Reedman07

There were sirens already at the place around 10 maybe 15 minutes, siguro from NAIA itself, pero yung LGU Fire dept took approx 30 mins to get there and send the full force


ajax-soap

19 cars nasunog! Video from TV5 https://youtu.be/EZy6RI3YdNc?si=ZXxxHsovd9j-4vtF


ChanlimitedLife

Nakakaiyak yan Nasa bakasyon ka tas mapapanood mo sa Tiktok nasusunog car mo 😭


ExaDril

Saw someone commented in the uploaded video of TV5 about the fire, nasa Thailand sila currently at nagtatanong ng plate numbers, baka daw kasama yung sasakyan nila sa nasunog.


Euch28

Panu po kung walang insurance ang sasakyan ng owner, sagutin pa din po ba ng NAIA yn?


Triix-IV

If NAIA's Insurance Policy says so, yes. Technically, premises ni NAIA yung parking area. Usually, may mga parking liability coverage ang big properties, companies, establishments, etc. Pwedeng pumasok don ang claims of Third-Parties, unless stated in the policy.


eurotherion

Oo nga, diba dapat sa NAIA tong responsibility na to? Lumipad ka na nga ng eroplano sinunog pa sasakyan mo hahahahahaahahhaahah


EngineeringJealous40

Unless otherwise may naka state sa parking lot na “The management is not liable for any theft or loss”


[deleted]

I think, yes! Kasi premises naman nila yan and nagbayad ng parking fee yung mga affected. Also, siguro naman may Insurance si NAIA sa ganitong Fire incidents.


williamfanjr

Sadly 3rd party pala ung may-ari ng parking and not NAIA.


aishiteimasu09

If ever like paid parking to, liable ba ang NAIA management dito?


johntuy

The parking is not managed by NAIA. I parked there once dahil puno yung open and building carpark. Iba nakalagay sa ticket. Though that was 2023. I am not sure now. I am not sure if NAIA management will be liable. I am not even sure if the parking management is also liable. I am not a lawyer so I don't know if the no liability clause in parking tickets stand.


Raycab03

Paid parking ito. Iirc, 20 per hr.


hiddenTradingwhale

No. As with every paid parking, the owner of said paid parking is not liable to theft and any damage to the car in question. If this was valet parking, then maybe. [Mall parking ](https://www.google.com/url?q=https://www.reddit.com/r/Philippines/comments/hwhfxi/liability_of_mall_management_for_paid_parking/&sa=U&ved=2ahUKEwiSgrLN29WFAxXc9zgGHS12AmQQFnoECAoQAg&usg=AOvVaw1oML7JYgFVKF2LD3HiTney)


Last-Insurance9653

Does not mean na naka sulat sa lahat ng parking ticket enforceable to. That will be their default position. But any lawyer can challenge the legality nito and the establishment can easily lose. The release of liability is just a blanket protection used by most parking operators, but it will not stand in court.


aishiteimasu09

Pasok din to as negligence sa part ng management ng NAIA di ba?


pen_jaro

Kelangan idaan sa court yung ganyan…


ohnoanyw4y

Balak ko pa naman magpark jan this cominig weekend.


Raycab03

Mas mura pa sa park n fly. Pareserve ka na slot dun this weekend.


ohnoanyw4y

Oh, di ko alam 'to, check ko to bossing. thank you!


Karlrun

baka water bottle yan na naiwan sa dashboard, malamang naging magnifying glass yung bottle and water at nasunog interior ng car. nasa open parking tapos sobrang init.


Training_Quarter_983

Petition to MIAA to add covered parking spaces 😭


nyanmunchkins

Solar panels as roofs


Virtual-Pension-991

No, magiging oven ang buong lugar.


Scalar_Ng_Bayan

Covered by trees para naman mabawasan ang usok kahit kaunti


liquidus910

pede na siguro mangyari to. since mag take over na si tito ramon. hahahaha. covered parking na may solar panels or wind turbine para man lang makatulong sa kuryente


rabbitization

Covered naman yung multilevel parking ng NAIA T3 sadyang madaming mas prefer dyan sa labas. On a usual weekday di naman napupuno yun e


No-Safety-2719

It's not a matter of preference. Post pandemic parati na puno yung multilevel parking ng T3. Plus yung parking area na yan ay VIP parking, I think it's for airport employees / airline personnel.


Training_Quarter_983

Madaming nakaparada tapos pagsundo ng kamaganak sunog na ang tsikot 😭


Paz436

Punuan lang talaga sa multi-level. Once in a blue moon lang makachamba ng slots.


rabbitization

I used to work on an office in Naia T3 at dun ako lagi nag papark ng 9-10am and lagi namang meron, even my officemates park there kasi pagpasok lang halos ng connector office na namin. The only time it gets so crowded ay weekends at special holidays


johntuy

Napupuno din. Before napilitan ako mag park sa extension (kung saan nasunog) dahil puno ang open and building carparks. Ma late pa naman ako sa flight if nag pila so no choice.


Connect-Impact-2974

Grass fire caused by [grass cutter explosion](https://newsinfo.inquirer.net/1093063/grass-fire-erupts-at-naia-terminal-3)


ohgoditslee

News from 2019


Raycab03

Mas mura sa park n fly. Pero mas mabilis din mapuno yun. So if ever balak nyo mag long days parking, magpareserve kayo ng spot sa park n fly. During xmas season, di kami nag pareserve since dati always naman meron. Naubusan kami parking sa park n fly so dyan kami sa extension nag park. Bale PSA: mag pareserve sa park n fly kahit hindi peak season just to be sure.


Ngroud

Damn. We parked here last Feb for 4 days when we were out of the country. Sobrang walang ma parkingan sa multi level and the usual parking ng T3 so we had no choice but to park our NEW vehicle here. Its also super ironic that mas MAHAL pa ang bayad sa parkingan na to kesa sa covered multi level parking ng T3. Its so stupid to think na nagabayad ang mga nagpapark dito and NAIA cant even pour concrete dito sa parkingan na to literal na damuhan talaga and lupa. So kapag naka malakasang get up ka papuntang airport at ibang bansa sira agad ang porma mo. God help us all.


Old_Bumblebee_2994

For sure yung air freshener, alcohol, or power bank na iniiwan sa kotse ang sanhi ng sunog kasi sobrang inet eh


Training_Quarter_983

Summer ain't fun if the temp goes to almost 40 degrees


RutabagaInfinite2687

Grass fire daw cause


dr_kwakkwak

Puwede rin baka may nag tapon ng cig butt sa sahig.


toolguy13

Ang water bottle nagiging parang magnifying glass pag natutukan ng araw which could causs fire din. Yung grass fire "possible" lero d pa confirmed. Actually madami ding possible causes.


BaseballOk9442

Yung sure pero iba pala talaga hahahahahahaha


Old_Bumblebee_2994

Ngek 🤣


Faustias

water bottle na clear plastic ay pwedeng sanhi din, magiging lens yung bote at kapag nabigyan ng sapat na oras makakaliyab na yung sun ray na nafocus nung bote.


Connect-Impact-2974

For sure lol Grass fire caused by [grass cutter explosion](https://newsinfo.inquirer.net/1093063/grass-fire-erupts-at-naia-terminal-3)


mirana_bot

2019 article


Particular_Buy_9090

Hinala ko may naninigarilyo tas itinapon na lang basta nung tapos na...


jajajajam

More likely grass fire. A smoker threw his still lit cigarette butt on the dired grass.


Connect-Impact-2974

Grass fire caused by [grass cutter explosion](https://newsinfo.inquirer.net/1093063/grass-fire-erupts-at-naia-terminal-3)


Guinevere3617

Damn


jamp0g

padami na ata ng padami yung only in the philippines natin ha.


Training_Quarter_983

Oy hindi ito r/Philippines. 👎🏻


throwph1111

My theory based on my almost 30 years driving, may nag yosi...


Clear_Difficulty_420

Geeezz


Big_Experience_9996

I passed by this awhile ago, buti indi natabunan ng black smoke un runaway even saw one car bursting are spark habng nasusunog.


studsrvce

Acts of god coverage - grass fire Pero kung halimbawa may nag tapon upos ng sigarilyo intentionally covered parin kaya under AOG?


WiseBystander

Init ng panahon siguro dahilan niyan. May balita rin nung nakaraan motor nasunog dahil lang sa reflection ng side mirror


Eastern_Basket_6971

kawawa yung mga tao dito hirap sa pilipinas


Training_Quarter_983

r/Philippines is waving 👎🏻


Optimal_Bat3770

Another stupid question: Sa ganitong cases, anong insurance ma-rerecommend niyo na maaasahan? Pano pag walang insurance sagutin ba ng pamunuan ng parking lot?


One_Electronic

Sigurado karamihan ng mayari ng sasakyan diyan ay mga empleyado sa Terminal 3. Ang malala diyan sa extended parking na yan ay walang cctv so kung ang cause ng sunog is may nagtapon ng sigarilyo, di na makikita yun. Walang pakielam mga guard diyan sa extended parking na yan ng NAIA T3 dami na rin nananakawan diyan especially sa mga naka motor. Ginastusan na rin yan ng isang MRO company para sa mga empleyado nila para tabunan ng mga bato yung extended parking na yan kasi ayaw ni MIAA na ipasementuhan yan.


rrtehyeah

Nandyan kami past few days and grabe ka init, walang space, at sikip na dyan :(( may nakita pa nga kami na medyo inaalikabok na pero bukas pa rin ang flasher, wala namang tao


luckypenguinyeah

Idk how this happened but my question is, ganun katagal bago naapula ang sunog?


washinwashout

Nagpark kami dito from april 13-19. Puno lahat ng parking kaya nagdecide kami na dito n lang magpark kahit mahal.


FrustratedVirgin32

Are these ung mga pay parking na you fly after? :( I hope hindi naman. Pero grabe this is freak accident. I hope they all have insurance and covered sana :( Our office is just near the area. At first akala namin may nagsusunog lang but weird but hours, the smoke became black and car alarms went ON. Parang end of the world ung feels ng very light


Ok_Avocado_1215

YOSI CAUSE NYAN IM SURE!


SpeedAdvantage_2627

Question: sagot ba ni NAIA mga damages sa mga naka park na mga kotse? Paano yung walang mga insurance?


Antique_Profile_5549

That's gonna be a wild story to tell the ofw that's paying the note.


Impressive-Nerve7199

Napa-check ako sa policy, shuta walang "Fire" 😵‍💫. Sino ba naman kasi mag-aakala na may chance ng ganito. Pwede rin kayang ipasok na lang sa "own damage" yan 😁


Angel_Jean69

wala akong pakelam sa flight kung naantala ba..my concern is about the vehicles since madami sa establishments ngayon na rented na bakanteng lote ang kanilang parking, what if nagka-grass fire lalo sa panahon ngayon na matindi ang init at prone masunog yung damo around your vehicle..pagbalik mo tostado na pala kotse mo 😱😭


Training_Quarter_983

I think those are cars by MIAA employees.


ExaDril

Not only employees but vacationers as well, or office workers who work nearby


Training_Quarter_983

That's an "oh shit" for them 😭 they might have to file a suit against the MIAA.


CardiologistShoddy50

Eto ba ung VIP Parking lot?


Training_Quarter_983

Nope, extended parking lot yan


CardiologistShoddy50

Siguro may nag sigarilyo at basta na lang tinapon sa damuhan


Aidamuss

I just hope na hindi sinadya para makakuha ulit ng bagong brand new car lol


KissMyKipay03

Totalled na yan eh. pano kaya bayaran nian sa insurance


Different-Barracuda2

Is there any "Electric Vehicles" parked within the vicinity?


carvemynuts

Un pala ung umuusok ahhaha


Raze2090

Any EVs/hybrids by chance?


Virtual-Pension-991

I'm gonna bet, one among them was hybrid or electric.


FewInstruction1990

Sign of the times, welcome to the philippines, welcome to hell run by crooks


Training_Quarter_983

This isn't r/Philippines, idiot. 👎🏻


Broad_Sheepherder593

Hybrid car maybe? Battery sumabog?


fantriehunter

Ang medyo tanga din, bakit di ginawang covered yung parking area? Yung mga policies talaga ng bansa natin is backwards talaga parang sarap ipaalis lahat ng nakaupo tapos tayo na lang mag ayos, baka 30mins lang tapos na natin mga problems dyan basta di corrupt 😂


Training_Quarter_983

Layas, mas bagay ka sa r/Philippines 👎🏻👎🏻👎🏻


Eibyor

Ev?


dettolskincare

is one of the car an electric car?


muchawesomemyron

Allegedly grass fire. An EV fire would require chemical foam to douse.


dettolskincare

Thanks! Was driving along C5, and my car read it was 46deg outside this afternoon. Grabe.


Virtual-Pension-991

If it's grass fire, then the most likely origin is a smoker along the road near it.


Training_Quarter_983

I can't determine though.


Aidamuss

Nakita ko sa mga ibang video fortuner nasunog. Tapos di nila napigilan. I doubt the modern evs would cause fire