To claim insurance or just go to a trusted/reputable detailing shop?

**JohnM** · January 6th, 2014 04:08 PM

Originally Posted by mar04

Ah so sila na nag bayad sa gumawa then mas nakatipid pa kayo kasi walang participation? Right? Shinoulder nila lahat? Is it safe to assume na hindi lahat ng insurance e ganyan? Empire ung insurance namin.

Yung check na binigay nila inencash ko then cash binigay ko sa shop. Walang direct contact bale between shop and insurance.

Ask your provider kung pwede cash out na lang instead of going to their accredited shops. The amount they will give out will depend on their own damage estimate so most of the time di talaga magkatugma ang insurance amount and actual damage costs. Lesser pa rin ang babayaran mo in total though (compared to paying for the damages out of pocket without insurance) and sabi nga ng karamihan sayang naman ang insurance mo kung di mo gagamitin sa purpose nya.

**mar04** · January 6th, 2014 08:20 PM

Originally Posted by JohnM

Yung check na binigay nila inencash ko then cash binigay ko sa shop. Walang direct contact bale between shop and insurance.

Ask your provider kung pwede cash out na lang instead of going to their accredited shops. The amount they will give out will depend on their own damage estimate so most of the time di talaga magkatugma ang insurance amount and actual damage costs. Lesser pa rin ang babayaran mo in total though (compared to paying for the damages out of pocket without insurance) and sabi nga ng karamihan sayang naman ang insurance mo kung di mo gagamitin sa purpose nya.

Thanks for the inputs, will talk to my insurance provider if meron silang cash out system. Oo nga after some thought I realized sayang nga rin talaga ang insurance.

**_Qwerty_** · January 7th, 2014 10:23 AM

usually pag bago ang sasakyan.. may clause ang comprehensive na sa casa dapat gagawin.. mas ok pa din ako sa casa..

**raul tuason** · January 8th, 2014 05:31 PM

sir, kapag sa casa ka nag pa estimate tapos sa non casa ka magpapagawa or pacacash settlement mo, babawasan ng insurance ng 35 percent yung estomate ng casa at syiempre magbabahad ka pa rin ng deductible, at kung plano mo naman pa shoulder sa non casa shop yung deductible mo, inggat ka lang kasi wala ng mattitirang kita yung shop so dadayain na lang nila ang trabaho at meteriales para kumita naman sila, sa huli ikaw din ang talo