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

**mar04** · January 6th, 2014 02:14 PM

Hi guys, need your expert advice on whether to claim the insurance or just go to a reputable detailing shop(any suggestions)? Bumigay kasi gate namin at nabagsakan ung sasakyan namin(dents and scratches), estimate ng casa is around 23k then 6k ung participation sa insurance. Since gusto narin namin ipa buff at exterior detail ung sasakyan kasi may mga scratches na rin. Would it be much cheaper if hindi ko na lang i claim sa warranty then ipagawa ko na lahat ng damages or i claim ko ung sa warranty then saka ko ipa buff at detail ung remaining scratches? Which one is much cheaper and hassle free? Thanks!

Ayaw ko sa casa kasi baka katayan ako ng parts at pangit ang gawa.

Heres the pic: http://tsikot.com/forums/mitsubishi-.../index514.html

**_Qwerty_** · January 6th, 2014 02:18 PM

para san yung insurance mo kung di mo naman gagamitin..

**mar04** · January 6th, 2014 02:42 PM

Originally Posted by _Qwerty_

para san yung insurance mo kung di mo naman gagamitin..

Main concern is kung trustworthy ba ung credited nilang detailing shop/s and of course workmanship. Will post ung list of shops na credited nila to ask for feedback pag na send na saken. Na insured nga e pangit naman gawa so mas malaki gastos kasi ipapa ayos mo rin, if ever.

**JohnM** · January 6th, 2014 03:06 PM

Nung nasagi oto ko di ko kilala ang mga accredited shops ng insurance. Kinuha ko na lang ang amount due sakin based on their assessment then pinagawa ko sa kilala kong shop. If complete ang requirements mo the check should be ready in 1 or 2 weeks.

**Manilablock** · January 6th, 2014 03:19 PM

Pwede naman kunan mo picture ung labas at loob ng car mo bago mo iwan ang susi sa casa, meron din checklist ang casa na record nila ung condition ng car mo bago nila accept. Kung after ng repairs e meron kang nakita na nasira/nadumihan/gasgas i claim mo sa casa.

Tama si Qwerty sayang lan ang insurance mo kung hindi mo gagamitin.

**mar04** · January 6th, 2014 03:46 PM

Originally Posted by JohnM

Nung nasagi oto ko di ko kilala ang mga accredited shops ng insurance. Kinuha ko na lang ang amount due sakin based on their assessment then pinagawa ko sa kilala kong shop. If complete ang requirements mo the check should be ready in 1 or 2 weeks.

what do you mean by this sir? may shinoulder silang expenses and/or may narebate kayo? sorry for the noob question.

**mar04** · January 6th, 2014 03:48 PM

Name nung credited na shop is Brothers Auto Concept in Las Pinas. Any feedbacks if magaling sila? Already checked out their fb page panay celebration at walang pics ng mga gawa nila.

**JohnM** · January 6th, 2014 03:50 PM

Originally Posted by mar04

what do you mean by this sir? may shinoulder silang expenses and/or may narebate kayo? sorry for the noob question.

Bale I got all the requirements (police report, written estimate from my shop, etc) and submitted them to my insurance provider. They replied with an amount and their list of accredited shops. Since di ko kilala mga shops nila I asked them to send me a check instead. They sent me the amount minus what should have been my participation fee (ex 10k coverage - 3k participation = 7k check amount).

**mar04** · January 6th, 2014 03:52 PM

Originally Posted by Manilablock

Pwede naman kunan mo picture ung labas at loob ng car mo bago mo iwan ang susi sa casa, meron din checklist ang casa na record nila ung condition ng car mo bago nila accept. Kung after ng repairs e meron kang nakita na nasira/nadumihan/gasgas i claim mo sa casa.

Tama si Qwerty sayang lan ang insurance mo kung hindi mo gagamitin.

Done that already nung ni replaced ung windshield. So far kasi pangit mga nababasa kong review pag sa casa nagpa gawa aside sa katayan.

Oo nga sayang din kung hindi ko magamit pero mas sayang kung gamitin ko at pangit ung gawa. Will wait sa feedback ng Brothers Auto Concept.

**mar04** · January 6th, 2014 03:58 PM

Originally Posted by JohnM

Bale I got all the requirements (police report, written estimate from my shop, etc) and submitted them to my insurance provider. They replied with an amount and their list of accredited shops. Since di ko kilala mga shops nila I asked them to send me a check instead. They sent me the amount minus what should have been my participation fee (ex 10k coverage - 3k participation = 7k check amount).

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.