Pls Suggest Car Insurance Companies

**mark_t** · February 11th, 2013 07:14 PM

Originally Posted by JohnM

2000 flat ang deductible namin with Prudential because my wife's employer is a partner company daw. We paid 16500 premium with AOG for a 1-year-old Vios. Original quote from our car-loan bank was 22k

Kaso next year lipat ka na, parang MAA din sila. Just an observation.

**mark_t** · February 11th, 2013 07:16 PM

Originally Posted by Retz

^

I think mga 3 years and above na vehicle deductible is fix na at 3k.

Kahit brandnew puede.

**Lapella** · February 11th, 2013 07:20 PM

Originally Posted by mark_t

Kaso next year lipat ka na, parang MAA din sila. Just an observation.

MAA you mean Malayan? Ano ang bad review sa kanilang dalawa? Malayan and Prudential

**JohnM** · February 11th, 2013 07:26 PM

Originally Posted by mark_t

Kaso next year lipat ka na, parang MAA din sila. Just an observation.

I'm hoping na dahil partnership ek ek they won't give us too much of a runaround compared to getting a quote from the lowest bidder (cross fingers).

**mark_t** · February 11th, 2013 07:33 PM

Originally Posted by Lapella

MAA you mean Malayan? Ano ang bad review sa kanilang dalawa? Malayan and Prudential

this

http://tsikot.com/forums/car-insuran...surance-65901/

**BratPAQ** · February 12th, 2013 10:52 PM

Mga boss patanong lang kung anong insurance to comprehensive or tpl?

Its about to expire this april at ngayon ko lang binabasa. Any suggestion kung ok ba yung rate for a bnew car, balak ko kasi magrenew.

**derf8666** · February 12th, 2013 11:54 PM

*BratPAQ, thats comprehensive. Comprehensive usually refers to OD theft coverage with voluntary third party property and body injury coverage. Optional coverage yung personal accident and acts of nature or acts of God. What unit is that?

**derf8666** · February 13th, 2013 12:13 AM

Originally Posted by lakers24

Salamat sir, btw Malayan & Standard daw po insurance nila, pwede ko po bang i request sa dealer na ako ang humarap sa agent ng insurance and hindi yung sila lang ang makikipagusap or dumiretso nalang ako sa insurance mismo? hindi po kaya magalit si dealer sakin pag dumiretso ako at mahirapan ako sa after sales? baka kasi may dagdag kita sila dun and mawala pag dumiretso ako & direct bank financing kasi ako and diba maliit lang kita nila dun.

I may be biased but as much as possible, do not get your insurance from the dealer. Why? Kanya kanyang trabaho yan. A dealer sells cars. A licensed insurance agent sells insurance. Sabi nila, malaki daw ang advantage pag sa dealer ka kumuha kasi mas mabilis daw? Thats not entirely true. Ipapa-approve pa rin nila usually sa insurer naman pag may aksidente ka. Now thats just sa Own damage. How about 3rd party accidents? Pag nakabangga ka ng ibang sasakyan o tao? Do you think the dealer will help you deal with these 3rd parties? Madalas tayo nakakarining ng mga reklamo laban sa mga insurance companies. If you notice, those cases usually happen when there is no licensed agent representing you. The thing is the consumer also has to be selective in choosing their intermediaries. Hindi basta basta kukuha ka na lang sa bangko, dealer, etc. Kilalanin niyo mga ahente niyo. Makipagmeet muna preferably dun sa company na nirerepresent niya. A simple act like that can give you some peace of mind for years to come.

**BratPAQ** · February 13th, 2013 04:08 AM

Originally Posted by derf8666

*BratPAQ, thats comprehensive. Comprehensive usually refers to OD theft coverage with voluntary third party property and body injury coverage. Optional coverage yung personal accident and acts of nature or acts of God. What unit is that?

Vios 1.3e sir. Dagdag tanong sir, bat sa resibo ala ako nakita sa CTPL, zero nakalagay sa tapat nya.

**blacksun25** · February 13th, 2013 05:57 AM

Originally Posted by BratPAQ

Vios 1.3e sir. Dagdag tanong sir, bat sa resibo ala ako nakita sa CTPL, zero nakalagay sa tapat nya.

baka separate yung policy mo for TPL. ganito yung sa akin nung kinuha ko yung car. may policy ako for compre good for 1 yr and may separate policy ako for TPL na good for 3 yrs.