Car insurance

**papi smith** · August 26th, 2019 01:31 PM

Originally Posted by cast_no_shadow

Pag malaki ang damage mas matagal magbigay ng LOA since may haggling sa estimate to add mas natatagalan dahil may mga dismantling pa na gagawin to check all damages / parts to be replaced.

Mas hassle kasi na inumpisahan na yung repair then may madiskubre pa na ibang damages tapos hindi covered dun sa approval ikot ulit sa proseso.

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Yung sakin, may hindi nakita na damage, nag follow up ako, saglit lang din lumabas LOA nung pahabol, FPG insurer

**graceford** · August 26th, 2019 01:50 PM

Originally Posted by cast_no_shadow

Read your insurance policy, out of pocket mo lang is yung participation.

Sa casa mo ba pinagawa? O accredited shop? Bakit hindi sa casa? 2017 model kamo.

Covered lahat yan.

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Accredited shop lng sir malayo po kasi samin ung casa ng ford sir nasa 1 hr pa ung travel.

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**cast_no_shadow** · August 26th, 2019 01:54 PM

Originally Posted by papi smith

Yung sakin, may hindi nakita na damage, nag follow up ako, saglit lang din lumabas LOA nung pahabol, FPG insurer

Happened to me too pero basic lang kase, for replacement yung front bumper.

Headlight no visible damage, ang problema nung natulak yung bumper naputol yung kabitan ng HL hindi maa-align pag nilagay new front bumper.

Palit din headlight, panibagong LOA din mabilis lang din.

May claim kasi kami dati bago na declare as total loss antagal nung proseso sa estimate at approval kase madaming dismantling ang gagawin.

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**ray_noel** · August 26th, 2019 04:09 PM

Kulit ni ts... “wlang money icocounterpart...”....

Participation fee lang ang ilalabas mo na pera or if my depreciation fee din yata since 2017 na yung unit mo...

All in the contract or policy with your insurance...

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**wenz_vios 1.3 x** · January 29th, 2020 08:45 AM

guys just asking how much ang babayaran for car insurance. mag 1 yr na ang car this coming July. wala naman claim so far. sa bpi po naka insured as dealership 1 yr free. car model toyota vios xe 1.3 2019 model.

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**papi smith** · January 29th, 2020 09:04 AM

Around 2% of insured value

**azethine** · February 2nd, 2020 03:28 AM

I have a question and any opinion is appreciated!

Just bought our brand new car and we noticed a dent sa paint and a deep scratch sa windshield top to bottom. When we pointed it out to the casa, they promised to fix it free of charge and told us to wait while they ordered for a replacement windshield.

1 month later they are asking us to use our insurance (financed by the bank so we're currently paying fixed amount for insurance per month for full coverage) and sagot daw ni casa participation fee etc.

My question is will this have any repercussions for my future claims sa insurance? I'm afraid na after my insurance spends a lot of money for the windshield, baka naman mas mahirapan ako sa next claims ko? Okay lang ba ung ganun? New driver here so I'm worried.

Thanks, will be waiting for any advice before I give them a reply.

**StockEngine** · February 2nd, 2020 03:53 AM

Originally Posted by azethine

I have a question and any opinion is appreciated!

Just bought our brand new car and we noticed a dent sa paint and a deep scratch sa windshield top to bottom. When we pointed it out to the casa, they promised to fix it free of charge and told us to wait while they ordered for a replacement windshield.

1 month later they are asking us to use our insurance (financed by the bank so we're currently paying fixed amount for insurance per month for full coverage) and sagot daw ni casa participation fee etc.

My question is will this have any repercussions for my future claims sa insurance? I'm afraid na after my insurance spends a lot of money for the windshield, baka naman mas mahirapan ako sa next claims ko? Okay lang ba ung ganun? New driver here so I'm worried.

Thanks, will be waiting for any advice before I give them a reply.

Which brand? Is this toyota?

Windshields arent that expensive for the common cars. Your insurance is still making money from you.

If I were you, I wouldnt touch the insurance. How old is the car? You should fight the dealer. The cost should be on them and not you. Report this to their main office.

**papi smith** · February 2nd, 2020 12:01 PM

Insurance fraud yan, mas malaking sakit sa ulo dahil iisipin nila connivance with dealer

**shadow** · February 2nd, 2020 12:20 PM

Originally Posted by azethine

I have a question and any opinion is appreciated!

Just bought our brand new car and we noticed a dent sa paint and a deep scratch sa windshield top to bottom. When we pointed it out to the casa, they promised to fix it free of charge and told us to wait while they ordered for a replacement windshield.

1 month later they are asking us to use our insurance (financed by the bank so we're currently paying fixed amount for insurance per month for full coverage) and sagot daw ni casa participation fee etc.

My question is will this have any repercussions for my future claims sa insurance? I'm afraid na after my insurance spends a lot of money for the windshield, baka naman mas mahirapan ako sa next claims ko? Okay lang ba ung ganun? New driver here so I'm worried.

Thanks, will be waiting for any advice before I give them a reply.

Ano sila swerte? They should cover all the cost of replacement parts, kasalanan nila yan, DON'T AGREE with their advised!

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