Insurance hack

[Aiai]

ang hirap naman sumagot..
dala-dalawa kasi ang threads na pinuntahan...

Sorry po. Dito na lang.

[_Qwerty_]

ano yung insurance mo?

just to share.. for standard insurance, may option sila na waive ang participation, pero don sa planta nila sa Naic Cavite gagawin.. libre flat bed towing to get the vehicle.. I availed of this last June.. kasi yung damage sa sasakyan was sa front and sa rear.. binangga kasi nang taxi sa rear after I braked.. ang charge nang Insurance eh 2 participation kasi every instance daw yung participation.. yung damage sa harap caused by another vehicle.. then damage sa likod caused by another vehicle.. so 2 participation.. hindi ko pa alam nung una.. pero nung lumabas yung LOA tsaka ko lang nalaman na they are charging me 2 participation.. kaya binawi ko yung LOA and availed of their service for free participation basta ang repair sa Standard Insurance Naic Plant gagawin.. maayos naman yung plant nila don.. parang casa din.. they replaced the bumper sa harap at sa likod and repaired the rear door.. took them 2 weeks.. pickup and delivered yung sasakyan at no costs to me... yung mga technician nila don mostly from Toyota..

google map of their Naic Plant:





actual repair pics:

[heavenlee]

ano yung insurance mo?

just to share.. for standard insurance, may option sila na waive ang participation, pero don sa planta nila sa Naic Cavite gagawin.. libre flat bed towing to get the vehicle.. I availed of this last June.. kasi yung damage sa sasakyan was sa front and sa rear.. binangga kasi nang taxi sa rear after I braked.. ang charge nang Insurance eh 2 participation kasi every instance daw yung participation.. yung damage sa harap caused by another vehicle.. then damage sa likod caused by another vehicle.. so 2 participation.. hindi ko pa alam nung una.. pero nung lumabas yung LOA tsaka ko lang nalaman na they are charging me 2 participation.. kaya binawi ko yung LOA and availed of their service for free participation basta ang repair sa Standard Insurance Naic Plant gagawin.. maayos naman yung plant nila don.. parang casa din.. they replaced the bumper sa harap at sa likod and repaired the rear door.. took them 2 weeks.. pickup and delivered yung sasakyan at no costs to me... yung mga technician nila don mostly from Toyota..

google map of their Naic Plant:





actual repair pics:

Wow, didn't know Standard Insurance offered this level of service. Thanks for sharing, sir.

[papi smith]

kung 59K ang estimate.. bakit naging 22K lang ang LOA? pano nila magagawa yun kung 22K lang?? deductible lang ang babayaran mo..

Usually overestimate ata talaga ang casa or possible na imbis na replace some parts tinsmithing lang allowed ni insurance, hence the 22k.

Assured should ask casa if they accept it, if not re-negotiate.

7k participation kasi 2 incidents.

Edit: nasagot na pala ni Qwerty ito sa similar thread, same analysis pala kami

[Aiai]

Usually overestimate ata talaga ang casa or possible na imbis na replace some parts tinsmithing lang allowed ni insurance, hence the 22k.

Assured should ask casa if they accept it, if not re-negotiate.

7k participation kasi 2 incidents.

Edit: nasagot na pala ni Qwerty ito sa similar thread, same analysis pala kami

Salamat po papi smith, heavenlee, qwerty, walter and dr. D po. 😊

[sp00nman]

Thanks. _Qwerty_
Question lang, depende ba sa severity ng damage yung dinadala sa Naci plant ng Standard to avail yung free participation fee?
Mag lapse na ulet insurance by Nov.15th at plano ko pa pinturan na buong car namen, palibot na dents and scratches.

Thanks

[Woof]

Usually overestimate ata talaga ang casa or possible na imbis na replace some parts tinsmithing lang allowed ni insurance, hence the 22k.

Syempre naman because the casa makes money off the insurance company - so maximum ang estimate based on possible "hidden" damages and palit lahat ng pyesa hanggat sa pwede at makakalusot. Kaya nga may insurance adjuster to negotiate things down to a more realistic and manageable level.

Thanks Sir _Qwerty_ for the info re: Standard Insurance. Good to know!

[_Qwerty_]

wala namang ganong clause.. afaik lahat nang damages kaya nila i repair sa Naic plant..

Thanks. _Qwerty_
Question lang, depende ba sa severity ng damage yung dinadala sa Naci plant ng Standard to avail yung free participation fee?
Mag lapse na ulet insurance by Nov.15th at plano ko pa pinturan na buong car namen, palibot na dents and scratches.

Thanks

[danegoesonline]

Yung sa "create your own damage".

Bilib ako sa mga imbis na manghusga gustong tumulong at mag educate. Sila yung mga totoong may wisdom dito sa forum na ito after backreading the replies after a couple of months that I've learned alot already.

Gusto ko lang malaman ng mga nanghusga na 100% hindi ako fraud. Tama paliwanag nung isa, iniipon ko lang ung damage sa iisang panel bago ipagawa, kaya ko sinabing create own damage is to make sure na palit buong panel instead of repairing it.

HAHA. ANYWAY BOTTOMLINE, KUNG WALA KA MAGANDANG SASABIHIN WAG MO NA SABIHIN. HAHA. SALAMT ULIT LALO NA KAY DR.D AT SA IBA PA. I HOPE PAG LIPAS NG PANAHON MAGKAROON AKO NG WISDOM KATULAD NG SA INYO.

[shadow]

Yung sa "create your own damage".

Bilib ako sa mga imbis na manghusga gustong tumulong at mag educate. Sila yung mga totoong may wisdom dito sa forum na ito after backreading the replies after a couple of months that I've learned alot already.

Gusto ko lang malaman ng mga nanghusga na 100% hindi ako fraud. Tama paliwanag nung isa, iniipon ko lang ung damage sa iisang panel bago ipagawa, kaya ko sinabing create own damage is to make sure na palit buong panel instead of repairing it.

HAHA. ANYWAY BOTTOMLINE, KUNG WALA KA MAGANDANG SASABIHIN WAG MO NA SABIHIN. HAHA. SALAMT ULIT LALO NA KAY DR.D AT SA IBA PA. I HOPE PAG LIPAS NG PANAHON MAGKAROON AKO NG WISDOM KATULAD NG SA INYO.

Ang galing mo naman na lahat ng tama na concentrate exclusive sa iisang panel. [emoji39]


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