Total Loss Declaration on Flooded Cars

[roydok]

The 1-year old Hyundai Accent 1.4 A/T of my friend was completely submerged in the recent floods. He wishes that the vehicle be declared as a total loss by his insurance. Can you suggest ways of convincing his insurance company to do just that?

Thanks.

[dfopiso]

^ meron bang AON yung compre insurance nya? kung going to 2nd year na auto, around 90% ng original value na lang insured amount

[Starex_Gold]

The 1-year old Hyundai Accent 1.4 A/T of my friend was completely submerged in the recent floods. He wishes that the vehicle be declared as a total loss by his insurance. Can you suggest ways of convincing his insurance company to do just that?

Thanks.

Did this before dun sa 10 months old FD ko (Ondoy 2009)

The car wasn't fully submerged. Pero dashboard level so ang daming papalitan. I told my service adviser to make an estimate na pwedeng ideclare na ng total loss. The estimate was 700K worth of parts The value of the FD is 805K.

I also justified na yun remaining 26 months ng warranty ay void na dahil sa flood. So ayun na-grant ng insurance.

BTW, dapat meron AOG / AON.

Ano insurance company niya?

[jut703]

Ang alam ko basta 80% of cost yung damage, pwede na ideclare as loss. Di ko lang maalala kung market value or purchase cost.

[Retz]

nakalagay naman sa AOG ang equivalent ng insured amount.

[dfopiso]

magiging madalas na yata ang mataas na baha ... baka magtaasan na insurance premium nyan

[Retz]

hindi ba malugi ang car insurance company sa dami ng nag cl-claim sa AOG?

[kix808]

my car (2011 model)toyota vios 1.3 E a/t was submerged 3 days last August during flood caused by habagat. twas declared total loss. my aog and total damage insured amount in my policy are both 648k. ang nakakainis, i got a letter from my insurance recently and stated there an amount of 520k as the insurance liability. P 522k FMV daw basis tapos may deductible na 2,000...so ang babayran nila is 520K. i didn't sign yet because i wrote a letter asking san nanggaling ung value na nilagay nila don eh ang naka state sa policy 648k, i believe they shld give that amt to me bec un ang nasa policy. payag na siguro ako kung bawasan nila ung 648k pero wag naman ganun ka barat and below 600k. i called the insurance office today to follow up the status, they got my letter daw at nirereconsider daw ung request ko..i hope maayos na nila un bfore my policy expires oct 19, 2012. ndi naman ako rude mag follow up kse nakikiusap pa ngayon ako tuloy pero sana naman ung mga insurance should stick to what they state in the policy they offer.

[yapoy86]

my car (2011 model)toyota vios 1.3 E a/t was submerged 3 days last August during flood caused by habagat. twas declared total loss. my aog and total damage insured amount in my policy are both 648k. ang nakakainis, i got a letter from my insurance recently and stated there an amount of 520k as the insurance liability. P 522k FMV daw basis tapos may deductible na 2,000...so ang babayran nila is 520K. i didn't sign yet because i wrote a letter asking san nanggaling ung value na nilagay nila don eh ang naka state sa policy 648k, i believe they shld give that amt to me bec un ang nasa policy. payag na siguro ako kung bawasan nila ung 648k pero wag naman ganun ka barat and below 600k. i called the insurance office today to follow up the status, they got my letter daw at nirereconsider daw ung request ko..i hope maayos na nila un bfore my policy expires oct 19, 2012. ndi naman ako rude mag follow up kse nakikiusap pa ngayon ako tuloy pero sana naman ung mga insurance should stick to what they state in the policy they offer.

yan nakakainis sa insurance.. nung nag aalok pa lang sila.. ang dami mo benefits at ang laki ng coverage... pero pag mag claim ka na... tutuwaran ka ng mga yan.. sarap sapokin eh

[dad17]

my car (2011 model)toyota vios 1.3 E a/t was submerged 3 days last August during flood caused by habagat. twas declared total loss. my aog and total damage insured amount in my policy are both 648k. ang nakakainis, i got a letter from my insurance recently and stated there an amount of 520k as the insurance liability. P 522k FMV daw basis tapos may deductible na 2,000...so ang babayran nila is 520K. i didn't sign yet because i wrote a letter asking san nanggaling ung value na nilagay nila don eh ang naka state sa policy 648k, i believe they shld give that amt to me bec un ang nasa policy. payag na siguro ako kung bawasan nila ung 648k pero wag naman ganun ka barat and below 600k. i called the insurance office today to follow up the status, they got my letter daw at nirereconsider daw ung request ko..i hope maayos na nila un bfore my policy expires oct 19, 2012. ndi naman ako rude mag follow up kse nakikiusap pa ngayon ako tuloy pero sana naman ung mga insurance should stick to what they state in the policy they offer.

need advice too different case sa akin mga pare accident naman last oct 2012 total loss din assess ng pipols gen same policy 648k ang full coverage but upto now still waiting for the conformity letter and their offer.imagine oct pa ngyari upto now wala pa ngyayari .sa tingin nyo till wat price dapat