I need advice regarding Insurance Policy.

This sounds complicated but I really need help.

Last year 2014 Fully Paid na yung kotse. and kukunin ko na sa PSBank yung ORCR.

they said I have issue with the insurance may balanse daw ako sa Insurance year 2011-2012..

but naka pag pa-insure naman ako sa prudential guarantee complete and fullypaid. sabi ng bank wala daw silang natangap na insurance policy or katunayan na nakapag pa insure nga ako galing sa prudential. so they Auto-Insured daw since naka mortgage yung sasakyan.

I have no idea talaga na kailangan ipasa sa kanila yung insurance policy. with my previous insurance wala naman naging problema.

kaya ngayun sinisingil nila yung 2011-2012 at hindi nila marerelease ang ORCR hangat hindi daw yun nababayaran.

how can I deal with this.. nagpatulong na ako sa dating insurance.. binigyan ng certification but still hindi tinatagap nung nag auto-insured.

ganito ba talaga ang systema ng insurance?