Can they force me to pay?
I need your help here. Last year I was involved in an accident with another car, and I damaged the car rear bumper. The lady her car was insured and mine not, and I just received a bill from the insurance company to pay the bill and I wasn't consulted in choosing in the decision making. I don't have a problem paying the bill but the fact that all the decisions were made without my consent, I don't feel right. I need to lodge a complaint to the insurance broker.
Yet again, this is a very good example of how useful a vehicle insurance policy can be. If you'd had what they call a "third-party" insurance policy, almost all of the costs you're now facing would have been paid for by your insurance company. You would only have been asked to pay a relatively small "excess" amount.
Without such a policy, the entire cost is paid by you. Often people ask why the insurance company isn't taking on the cost, aren't they there to pay for the repairs? Yes, that's true, but they only protect the person who pays their premiums, in this case the person whose car you damaged. Not you. They are entitled to recover the price they paid from the person who caused the collision. You.
Meanwhile, I think it's fair for the insurance company to justify the amount they want you to pay, so you can check you're not being asked to pay more than necessary. If they don't cooperate, let me know.
Can't they replace it?
Hello Richard, i am kindly asking for help. I bought a phone on credit and the phone gave me problem. I cannot operate it. Its a new Huawei Nova 12i. On the day I paid P1,500, and then it was delivered to me on Tuesday, then Wednesday I went to them explaining that the phone is giving me problem because apparently it does not support Google Playstore. I did not know this so I could not download any apps, popular apps like Facebook, WhatsApp nor TikTok. I went to the shop and I explained everything to them the sales people tried to assist but they failed.
They asked me to come back again the following day so they could try but when I got home I thought to myself why pay for something that I will not use freely and it will give me problem all the time because I do not know how to operate it. Why not ask for something that I can use without any problems?
I requested for an exchange but they are refusing. They would rather download apps for me and get everything running for me rather than swap. I called the boss and I explained everything to her and she said she will call me back which she never did. I got a message that they stand by their option of helping me down the apps rather than exchanging.
I'm not sure there's much you can do here. It's been widely discussed in the last few years that Huawei devices were (probably rather stupidly) blocked from using the Google Play Store by the US government in 2019. Any device launched by Huawei now use Huawei's own AppGallery which allows you to download the apps. It's slightly more complicated but my understanding is that you can still function normally and use the apps you need.
In this situation, I think it's best to allow the store to help you download the apps you want. They seem to understand the process better than you or me.
The lesson is always to ask some questions before you buy an expensive gadget. If necessary, ask them to demonstrate how the device operates before you pay them.
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