Total Loss Process - What to expect?

[dct]

My similar experience din po ako sinasabi agad ng insurance n total lost. Ano po b basis ng total lost?. Natamaan po ako ng Truck sa Pampanga. Pagdating ko sa insurance ko at sa Toyota total Lost din ang sinasabi.

46494593-34871377916-7327277437231296-n-1 — imgbb.com

Naglagay po ako ng picture para makita nyo.

Total lost talaga yan. Lugi na ipagawa. Magawa man, di na safe yan

Sent from my SM-N950F using Tapatalk

[glenn_duke]

My similar experience din po ako sinasabi agad ng insurance n total lost. Ano po b basis ng total lost?. Natamaan po ako ng Truck sa Pampanga. Pagdating ko sa insurance ko at sa Toyota total Lost din ang sinasabi.

46494593-34871377916-7327277437231296-n-1 — imgbb.com

Naglagay po ako ng picture para makita nyo.

Pag tinamaan makina, automatic total lost.

[dr. d]

My similar experience din po ako sinasabi agad ng insurance n total lost. Ano po b basis ng total lost?. Natamaan po ako ng Truck sa Pampanga. Pagdating ko sa insurance ko at sa Toyota total Lost din ang sinasabi.

46494593-3�4�8�71377916�-73�2727743723�12�96-n-1 — imgbb.com

Naglagay po ako ng picture para makita nyo.

1. if the estimated cost for repair, equals or exceeds the current market or book value of similar model cars that are in good condition.
2. if the vehicle is deemed unsafe for use, even after repair.

your picture,
engine is involved and probably has to be replaced.
front suspension is probably pretzelized... it would be difficult to align. and if it could be aligned, the metal might probably have been weakened...

but what i will probably be more concerned over, is...
will the insurance payment to me be enough to purchase a similar quality replacement vehicle?

[playplugg]

My similar experience din po ako sinasabi agad ng insurance n total lost. Ano po b basis ng total lost?. Natamaan po ako ng Truck sa Pampanga. Pagdating ko sa insurance ko at sa Toyota total Lost din ang sinasabi.

46494593-34871377916-7327277437231296-n-1 — imgbb.com

Naglagay po ako ng picture para makita nyo.

Total Wreck,

Kahit hindi damaged ang engine pero worst case scenario, talagang nilapirot na lata ang sasakyan, Accident involved na while driving or parking at nadaganan ng sobrang bigat na bagay, (construction area zone, or logging zone, naputol ang puno pero nabagsakan ang sasakyan, dyan pasok ang total wreck)

Total loss naman or known as "Totaled".


Driving or silently naka-park ang sasakyan, once tinamaan ang "Engine" or other critical parts sa under-chassis , considered as "Totaled"

Due to "Economic beyond Repair" Mas mataas pa yung gastos ng repair ng sasakyan kaysa dun sa total value assessment, lalo kung depreciated na at phase-out na yung model ng sasakyan..


Ganito lang, submit all the requirements dun sa insurance, (HPG report [police report at local TMPO] incident since meron naman involvement na other vehicle, medical kung merong natamong injuries, at cleared na hindi under-influence sa alak or other illegal substances, kung naka installment naman ang insurance [comprehensive] bayaran ang remaining balance ng full para tumakbo agad yung processing ng claims)..

Once na lumabas yung assessment, kung magkano ba yung total damages ng sasakyan, at dun sa babayaran for replacement..

Dyan na magkakatalo...


Not mistaken, once na naka-loan yan, pero once na wreck or totaled, considered na bayad na yan... up to the owner kung gusto magkaroon ng replacement ng vehicle to retain or upgrade, pero, may babayaran dyan syempre...(kung luckily alive)

Pero once "Expired ang comprehensive, naka-inom or gamit sa TNVS/Rent a Car pero hindi registered, totally nulled and void...

[TheUninvited]

My similar experience din po ako sinasabi agad ng insurance n total lost. Ano po b basis ng total lost?. Natamaan po ako ng Truck sa Pampanga. Pagdating ko sa insurance ko at sa Toyota total Lost din ang sinasabi.

46494593-34871377916-7327277437231296-n-1 — imgbb.com

Naglagay po ako ng picture para makita nyo.

Naman unang tingin pa lang. Kung kotse ko yan kahit i repair di ako papayag.

Loss not lost btw.

[atforever]

Total lost talaga yan. Lugi na ipagawa. Magawa man, di na safe yan

Sent from my SM-N950F using Tapatalk

Thank you for the reply!

[atforever]

1. if the estimated cost for repair, equals or exceeds the current market or book value of similar model cars that are in good condition.
2. if the vehicle is deemed unsafe for use, even after repair.

your picture,
engine is involved and probably has to be replaced.
front suspension is probably pretzelized... it would be difficult to align. and if it could be aligned, the metal might probably have been weakened...

but what i will probably be more concerned over, is...
will the insurance payment to me be enough to purchase a similar quality replacement vehicle?

Kakarenew ko lang po ulit ng insurance and bumaba n po yung coverage that would mean n hindi n enough yung coverage to buy same unit.

[atforever]

Total Wreck,

Kahit hindi damaged ang engine pero worst case scenario, talagang nilapirot na lata ang sasakyan, Accident involved na while driving or parking at nadaganan ng sobrang bigat na bagay, (construction area zone, or logging zone, naputol ang puno pero nabagsakan ang sasakyan, dyan pasok ang total wreck)

Total loss naman or known as "Totaled".


Driving or silently naka-park ang sasakyan, once tinamaan ang "Engine" or other critical parts sa under-chassis , considered as "Totaled"

Due to "Economic beyond Repair" Mas mataas pa yung gastos ng repair ng sasakyan kaysa dun sa total value assessment, lalo kung depreciated na at phase-out na yung model ng sasakyan..


Ganito lang, submit all the requirements dun sa insurance, (HPG report [police report at local TMPO] incident since meron naman involvement na other vehicle, medical kung merong natamong injuries, at cleared na hindi under-influence sa alak or other illegal substances, kung naka installment naman ang insurance [comprehensive] bayaran ang remaining balance ng full para tumakbo agad yung processing ng claims)..

Once na lumabas yung assessment, kung magkano ba yung total damages ng sasakyan, at dun sa babayaran for replacement..

Dyan na magkakatalo...


Not mistaken, once na naka-loan yan, pero once na wreck or totaled, considered na bayad na yan... up to the owner kung gusto magkaroon ng replacement ng vehicle to retain or upgrade, pero, may babayaran dyan syempre...(kung luckily alive)

Pero once "Expired ang comprehensive, naka-inom or gamit sa TNVS/Rent a Car pero hindi registered, totally nulled and void...

Thank you po for the detailed explanation and clarifications on different aspects of the total loss policy.

But just one question po if it is really "up to the owner kung gusto magkaroon ng replacement ng vehicle to retain or upgrade, pero, may babayaran dyan syempre...(kung luckily alive)"? or the insurancec company will decide on it.

Thank you po ulit.

[cdl]

Kakarenew ko lang po ulit ng insurance and bumaba n po yung coverage that would mean n hindi n enough yung coverage to buy same unit.

Yes, every renewal, insured amount will be lowered because the car's value depreciate.

[ArjAngel]

nainvolved din kami multiple car collision last week, di ako sure kung total loss samin or pwede pa repair, still waiting for update sa insurance, hopefully di masyado matagalan