Toyota Wigo 1.0 G Model 2017 with Total Loss Declaration

[dr. d]

Hello.

I bought my brand new toyota wigo last July 31, 2017 inclusive of People's Gen Comprehensive Insurance. Just last October 21, 2017, I accidentally bumped the wall on the steep road of Batangas due to lack of break. I got minor injuries together with my 4 colleagues inside the car. I brought my car to the nearest center of my car dealer. I submitted all the requirements needed including the Police Report for my claims. Suddenly, as per estimation, the car dealer may declare "total loss" with my unit.

Can I still demand for the replacement of my car if they cannot fix it? What is the best way to handle this? My car is just 2 months old under my name and experienced this "lack of break", can I still demand to bring back my car in a good condition or replacement of the unit without shouldering any costs?

Thank you in advance.

if the insurance declares total loss, it might because of:
1. too expensive to repair; and/or
2. unsafe for use, even after "fixing". mahina na ang katawan, etc...

"loss of break (brake)" is different from "driving too fast for the brakes to take hold". buti na lang, insurance sometimes does not discriminate.

look at your contract, sir. your rights, as you agreed to when you signed it, are spelled out in there.