per PANEL daw ang pricing for repair...

**chrismarte** · October 8th, 2010 06:15 PM

Sirs magtatanong lang sana... My ride is 2008 Honda City yung i-DSI mag three years na sya sa akin next year ang daming scratches and dimples na malalalim na syang nakuha...

Since marami na syang scratches at dimples nagtanong ako sa ahente ng insurance ko nung umuwi ako kung pwede ako mag claim sa insurance for repair, ang sabi nya pag pinasok nga daw sa insurance per panel daw ang bayad eh 2500 per panel daw, di na ako nagtanong ng ibang detalye kasi bigla ako nagdecide na wag na muna iagawa kasi baka kapusin ang budget ko coz may other things pa na ginagastusan, being a noob... what does per panel mean na sinasabi nang ahente ko?yung mga ganitong bagay ba di makukuha ng hilamos lang? .5-1.0mm ang lalim nung malalang tama ng kotse ko....

sorry walang pic kasi nacorrupt yung memory card nung digicam ko whne i'm transferring sa pc ko....mga peeps enlighten nyo naman ako....

**ghosthunter** · October 8th, 2010 06:18 PM

"per panel" means the following:

examples:
front bumper = 1 panel
front left fender = 1 panel
driver side door = 1 panel
hood = 1 panel
rear bumper = 1 panel
trunk lid = 1 panel

**chrismarte** · October 8th, 2010 06:19 PM

PS: FEDERAL po pala yung insurance....

**jmpet626** · October 8th, 2010 06:28 PM

Insurance naman yan di ba bakit per panel? Kung isang incident naman nangyari yan isang bayaran lang ng participation yan di ba. Yung 2.5k per panel yan din yung price usually pag dumerecho ka sa mga body repair shop.

**chrismarte** · October 8th, 2010 06:40 PM

Originally Posted by ghosthunter

"per panel" means the following:

examples:
front bumper = 1 panel
front left fender = 1 panel
driver side door = 1 panel
hood = 1 panel
rear bumper = 1 panel
trunk lid = 1 panel

*gh meaning pag may mga kailangang gawin sa mga lugar na to 2.5k na agad right? 2.5k x 5 panel (sa hood lang walang diperensya sa mga nabanggit mo) eh di 12.5k...di na nagkakalayo sa hilamos...di ba makukuha sa hilamos yung mga ganitong malalalim na scratches...

sir GH di ba pwedeng participation lang babayaran kahit di sya nakuha from an accident?

**ghosthunter** · October 8th, 2010 07:16 PM

Originally Posted by chrismarte

sir GH di ba pwedeng participation lang babayaran kahit di sya nakuha from an accident?

From my experience, nope.

Since you are just repainting the car and there was no accident damage to fix, just the normal dings & scratches from daily use/abuse, the insurance company will not cover it.

**ghosthunter** · October 8th, 2010 07:21 PM

Originally Posted by chrismarte

*gh meaning pag may mga kailangang gawin sa mga lugar na to 2.5k na agad right? 2.5k x 5 panel (sa hood lang walang diperensya sa mga nabanggit mo) eh di 12.5k...di na nagkakalayo sa hilamos...di ba makukuha sa hilamos yung mga ganitong malalalim na scratches...

From what I understand, your insurance ahente is offering you a "discounted" repair price to fix your car's dents & scratches.

So if a normal body/paint shop would charge you P2,800 per panel, your ahente is just going to charge you P2,500 per panel.

**_Qwerty_** · October 10th, 2010 01:18 PM

tama yan.. hindi naman accident yan eh.. kung gusto mo guhitan mo yung passenger and driver door sama mo na yung bumper lagyan mo nang dent.. sabihin mo na hit and run ka.. so 4 na panels na yun.. 2,500 lang.. isang accident lang kamo eh.. kaya lang isang side lang yun.. then do the same sa kabilang side.. hehehe

**[archie]** · October 10th, 2010 01:23 PM

kung gusto makamura, isa lang solution... scratch the whole car with a key or coin then say vandalism. participation lang gagastusin mo.

but of course, ethical issue na yan. IMO, just live with the scratches.

**LexTer** · October 10th, 2010 08:57 PM

Originally Posted by chrismarte

meaning pag may mga kailangang gawin sa mga lugar na to 2.5k na agad right? 2.5k x 5 panel (sa hood lang walang diperensya sa mga nabanggit mo) eh di 12.5k...di na nagkakalayo sa hilamos...di ba makukuha sa hilamos yung mga ganitong malalalim na scratches...

try mo din pa quote sa mga car paint shops. minsan kasi kung maliliit lang di naman sinisingil ng per panel. mura na din sa 2500 per panel. sa ibang casa kasi 3500 na sila.