dent and scratch - insurance coverage

**tawengo** · May 21st, 2007 05:41 PM

hi guys,

my 3-month old boyfriend got dented and scratched just last week

. dont know what what happened coz it was my brother who's using it. he said sa parking area daw. i almost cried when i saw it.

my question is.. can this be covered by the insurance? or is it too small para ayusin nila? what can i do to fix this?

pleaasssse

it is located in the upper part of the front tire, driver's side.

**Bogeyman** · May 21st, 2007 05:54 PM

Sasagutin naman siguro ng insurance yan. If the cost of restoring it is more than your participation fee, then go for it.

However, if the repair cost is lower than your participation fee, lugi ka lang sa gastos; kung mabait ang insurer mo, yun din ang sasabihin nila sa iyo. In this case, it would be better for you to just shoulder the repairs out-of-pocket, and reserve your insurance claim for more serious/extensive damage.

**j_avonni** · May 21st, 2007 07:22 PM

3-month old pa lang. Talagang mapapaiyak ka nga.

The insurer would shoulder the amount in excess of your participation or deductible only, if any.

Sa tingin ko, it would fall within your participation.

**mazdamazda** · May 21st, 2007 07:45 PM

IMO... mahal pa ang participation fee mo vis-a-vis the cost of repairing only that damage.

**tawengo** · May 22nd, 2007 10:35 AM

thanks for the suggestion pipol!

i guess personal expense ko nalang nga.. i know the sratch can be mimimized but the dent--i'll live with it na lang.

thanks again!

**mazdamazda** · May 22nd, 2007 10:39 AM

well, you can resort to paintless dent removal (PDR) - search ka na lang in the "more than looks" forum for the thread & contact person.

**XTO** · May 22nd, 2007 10:51 AM

kaya ng pdr yan then touch up paint na lang muna. panel na kasi usapan
dyan if ever you want to have it repainted.

**tawengo** · May 22nd, 2007 11:01 AM

Originally Posted by mazdamazda

well, you can resort to paintless dent removal (PDR) - search ka na lang in the "more than looks" forum for the thread & contact person.

theres such a thing pala as PDR? ngayon ko lang narinig yan ahh. kaya lang im from gensan. i'll search and ask nalang sa mga local shops dito if they offer that service.

thanks!

**tawengo** · May 22nd, 2007 11:07 AM

Originally Posted by mazdamazda

well, you can resort to paintless dent removal (PDR) - search ka na lang in the "more than looks" forum for the thread & contact person.

theres such a thing pala as PDR? ngayon ko lang narinig yan ahh. kaya lang im from gensan. i'll search and ask nalang sa mga local shops dito if they offer that service.

thanks!

**1D4LV** · May 22nd, 2007 11:30 AM

Originally Posted by mazdamazda

IMO... mahal pa ang participation fee mo vis-a-vis the cost of repairing only that damage.

yup. totoo ito. nangyari na ito sa akin eh.
nung bago pa oto, na dent din ng maliit tsaka isang mahabang scratch. since bago yung oto, pinasok ko sa talyer.

ang sinisingil sa akin ng participation, 3000 petot.
ang cost ng repair, 1500.

out of pocket na lang ginawa ko.