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  1. Join Date
    Aug 2009
    Posts
    1,956
    #1
    Sirs magtatanong lang sana... My ride is 2008 Honda City yung i-DSI mag three years na sya sa akin next year ang daming scratches and dimples na malalalim na syang nakuha...

    Since marami na syang scratches at dimples nagtanong ako sa ahente ng insurance ko nung umuwi ako kung pwede ako mag claim sa insurance for repair, ang sabi nya pag pinasok nga daw sa insurance per panel daw ang bayad eh 2500 per panel daw, di na ako nagtanong ng ibang detalye kasi bigla ako nagdecide na wag na muna iagawa kasi baka kapusin ang budget ko coz may other things pa na ginagastusan, being a noob... what does per panel mean na sinasabi nang ahente ko?yung mga ganitong bagay ba di makukuha ng hilamos lang? .5-1.0mm ang lalim nung malalang tama ng kotse ko....

    sorry walang pic kasi nacorrupt yung memory card nung digicam ko whne i'm transferring sa pc ko....mga peeps enlighten nyo naman ako....

  2. Join Date
    Oct 2002
    Posts
    29,354
    #2
    "per panel" means the following:

    examples:
    front bumper = 1 panel
    front left fender = 1 panel
    driver side door = 1 panel
    hood = 1 panel
    rear bumper = 1 panel
    trunk lid = 1 panel

  3. Join Date
    Aug 2009
    Posts
    1,956
    #3
    PS: FEDERAL po pala yung insurance....

  4. Join Date
    Mar 2005
    Posts
    2,237
    #4
    Insurance naman yan di ba bakit per panel? Kung isang incident naman nangyari yan isang bayaran lang ng participation yan di ba. Yung 2.5k per panel yan din yung price usually pag dumerecho ka sa mga body repair shop.

  5. Join Date
    Aug 2009
    Posts
    1,956
    #5
    Quote Originally Posted by ghosthunter View Post
    "per panel" means the following:

    examples:
    front bumper = 1 panel
    front left fender = 1 panel
    driver side door = 1 panel
    hood = 1 panel
    rear bumper = 1 panel
    trunk lid = 1 panel
    *gh meaning pag may mga kailangang gawin sa mga lugar na to 2.5k na agad right? 2.5k x 5 panel (sa hood lang walang diperensya sa mga nabanggit mo) eh di 12.5k...di na nagkakalayo sa hilamos...di ba makukuha sa hilamos yung mga ganitong malalalim na scratches...

    sir GH di ba pwedeng participation lang babayaran kahit di sya nakuha from an accident?

  6. Join Date
    Oct 2002
    Posts
    29,354
    #6
    Quote Originally Posted by chrismarte View Post
    sir GH di ba pwedeng participation lang babayaran kahit di sya nakuha from an accident?
    From my experience, nope.

    Since you are just repainting the car and there was no accident damage to fix, just the normal dings & scratches from daily use/abuse, the insurance company will not cover it.

  7. Join Date
    Oct 2002
    Posts
    29,354
    #7
    Quote Originally Posted by chrismarte View Post
    *gh meaning pag may mga kailangang gawin sa mga lugar na to 2.5k na agad right? 2.5k x 5 panel (sa hood lang walang diperensya sa mga nabanggit mo) eh di 12.5k...di na nagkakalayo sa hilamos...di ba makukuha sa hilamos yung mga ganitong malalalim na scratches...
    From what I understand, your insurance ahente is offering you a "discounted" repair price to fix your car's dents & scratches.

    So if a normal body/paint shop would charge you P2,800 per panel, your ahente is just going to charge you P2,500 per panel.

  8. Join Date
    Sep 2005
    Posts
    15,326
    #8
    tama yan.. hindi naman accident yan eh.. kung gusto mo guhitan mo yung passenger and driver door sama mo na yung bumper lagyan mo nang dent.. sabihin mo na hit and run ka.. so 4 na panels na yun.. 2,500 lang.. isang accident lang kamo eh.. kaya lang isang side lang yun.. then do the same sa kabilang side.. hehehe

  9. Join Date
    Feb 2008
    Posts
    5,179
    #9
    kung gusto makamura, isa lang solution... scratch the whole car with a key or coin then say vandalism. participation lang gagastusin mo.

    but of course, ethical issue na yan. IMO, just live with the scratches.

  10. Join Date
    Jul 2006
    Posts
    1,743
    #10
    Quote Originally Posted by chrismarte View Post
    meaning pag may mga kailangang gawin sa mga lugar na to 2.5k na agad right? 2.5k x 5 panel (sa hood lang walang diperensya sa mga nabanggit mo) eh di 12.5k...di na nagkakalayo sa hilamos...di ba makukuha sa hilamos yung mga ganitong malalalim na scratches...
    try mo din pa quote sa mga car paint shops. minsan kasi kung maliliit lang di naman sinisingil ng per panel. mura na din sa 2500 per panel. sa ibang casa kasi 3500 na sila.

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per PANEL daw ang pricing for repair...