Yearly Comprehensive Insurance

[reactor]

sorry for the noob questions:
for comprehensive insurances, how much is % the usual participation fee of the owner in case of car damages? and will this be reimbursable once the insurance release the damage payment?

tia!

sir, participation depends on your insurance company. for example my insurace company only charged 3k as participation for every damages. mostly insurance company aside from your participation charges 10%-50% (depending on your insurance company policy) for every parts that needs to be replaced. you can pay first for the damaged or replaced parts and reimburse later BUT insurance company have their own ADJUSTER wherein they assess first the damage and decide how much is the cost.

better have your own insurance agent that you know. they give better services than what you get from casa. they (agent) can give you your preffered insurance company (ex standard, malayan, etc.) but the rate is lower than what casa can give. if you need an insurance PM me so i can give you my agent for the last 10years. even the new cars we bought, i get the insurance from him (60% cheaper than casa).

[rnagpala]

Sir pa join naman medyo OT.

Please badly needed ng advice lang. What should I do, "kung ayaw sagutin ng insurance ang bangga sa auto ko". Almost 3 months na sa CASA oto ko waiting pa din ako sa sagot ng insurance. Sabi ng Adjuster nasa Insurance na daw decision regarding my claim.

Baka may suggestion kayo na dapat kong gawin. Al paper documents are complete (Police report, certification of incident from the establishment, Insurance Policy, OR/CR etc.)

Btw, i got 2009 Tucson which iam still paying for it sa BDO. And my car insurance is Prudential Guarantee Ortigas.

[TholitzReloaded]

Sir pa join naman medyo OT.

Please badly needed ng advice lang. What should I do, "kung ayaw sagutin ng insurance ang bangga sa auto ko". Almost 3 months na sa CASA oto ko waiting pa din ako sa sagot ng insurance. Sabi ng Adjuster nasa Insurance na daw decision regarding my claim.

Baka may suggestion kayo na dapat kong gawin. Al paper documents are complete (Police report, certification of incident from the establishment, Insurance Policy, OR/CR etc.)

Btw, i got 2009 Tucson which iam still paying for it sa BDO. And my car insurance is Prudential Guarantee Ortigas.

Next time palit ka na ng Insurance company.. tagal ng 3mos.

[armscor40]

let me share my YCI,

ride is hyundai jumbo starex 06, just renewed my insurance recently paid on installment basis (PDC) for 6 mos. 20,986.56 w/ AOG (it should be 18,738 if cash), participation fee is 1% of the current appraised value while the AOG deductible is 10k w/ free auto PA insurance of 20k and 2k medical reimbursement * for 10 passengers plus the usual freebies...i think reasonable because when claiming for damages or accidental expenses normally it would take 3 days minimum to 5-7 day max...CGIC - Laus Group, san fernando, pampanga.

[mark_t]

Sir pa join naman medyo OT.

Please badly needed ng advice lang. What should I do, "kung ayaw sagutin ng insurance ang bangga sa auto ko". Almost 3 months na sa CASA oto ko waiting pa din ako sa sagot ng insurance. Sabi ng Adjuster nasa Insurance na daw decision regarding my claim.

Baka may suggestion kayo na dapat kong gawin. Al paper documents are complete (Police report, certification of incident from the establishment, Insurance Policy, OR/CR etc.)

Btw, i got 2009 Tucson which iam still paying for it sa BDO. And my car insurance is Prudential Guarantee Ortigas.

Pa sama ka na sa servicing agent mo para mag file ng complain
sa Insurance Commision.

[ydreph962]

sa inip ko sa peoples ay dito ko na pinagawa sa suking talyer sa loob ng bf resort ang tama ng bumper ng hilux ko..medyo napilas lang naman dahil plastic..ayos na ayos naman pagkakagawa at bagong pinta pa..2.5k nagastos + tip..half day lang tinira tapos kaysa maghintay ka sa insurance na pagkatagal tagal..maliit lang naman damage pero parang 11k estimate ng casa...ganun din kasi 3k participation tapos idedelay ka ng pagkatagal tagal..