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  1. Join Date
    Feb 2016
    Posts
    19
    #1
    Required po ba na dalin sa casa ang oto (body repairs) kapag brand new? Or pwede sa mga tropa mong latero?

    May tama kasi yung pinto ng oto, e gusto ko na ipagawa, kaso parang ayoko dalin sa casa kasi madami pang hihingin para makapagfile ng insurance claim, tulad ng affidavit/police report tas notarized pa.

    Bawal po ba na hindi gamitin ang insurance once na may kailangan ka ipagawa sa sasakyan mo? Or pwede ba na sa labas nalang para hindi narin magtagal ang oto mo for repairs? Kasi alam ko pag pinasok mo sa casa, tatagal sya ng 1 week dun, pero pag sa tropa mo, 1 day lang tapos na yung repair.

    Newbie question lang po. Salamat po!

  2. Join Date
    Dec 2006
    Posts
    17,314
    #2
    Pwede mo ipagawa without having to claim from your insurance.

    Tama ka, if you make an insurance claim, it'll have to be brought to the casa, you'll have to provide documentation and pay a participation fee, and it'll take about a week even for minor repainting.

    If it's just minor damage, mas mabilis ipagawa nalang sa shop ng friend mo, and most likely mas mura pa.

    Don't worry, you can still claim from your insurance should you encounter bigger damages in the future.

    Sent from my SM-N910C using Tapatalk

  3. Join Date
    Oct 2015
    Posts
    922
    #3
    ^ agree.

    Ang alam ko rin pag walang 5k ang cost e hindi din tatangapin ng insurance.. then sama mo pa yang police report at hintay ng approval insurance..

  4. Join Date
    Nov 2009
    Posts
    12,364
    #4
    Quote Originally Posted by dishcom View Post
    ^ agree.

    Ang alam ko rin pag walang 5k ang cost e hindi din tatangapin ng insurance.. then sama mo pa yang police report at hintay ng approval insurance..
    Hindi naman sa hindi tatanggapin, minsan kasi deductibles are around that range kaya instead na mag undergo ka pa ng proseso might as well ipagawa mo na lang on your own.


    Sent from my iPhone using Tapatalk

  5. Join Date
    Nov 2005
    Posts
    7,976
    #5
    Kung nagmamadali and di nalalayo sa participation - outside casa. Hindi bawal na di gamitin isurance, pwede gamitin in the future pag di ka nagmamadali and sobra laki sira.

  6. Join Date
    Oct 2002
    Posts
    40,599
    #6
    Rule of thumb. Pag pareho lang or lower ang amount ng gagastusin mo yun participation mo sa insurance pagawa mo na lang sa labas.


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  7. Join Date
    Feb 2016
    Posts
    19
    #7
    Salamat po sa mga inputs mga sir! Sa labas ko nalang ipapagawa. 3500 yung participation fee na sinabi sakin, then 3k lang sa mga tropa. Salamat po!

  8. Join Date
    Jul 2013
    Posts
    2,450
    #8
    Kung body repair lang din at maliit lang gastos, sa labas na lang. Mas mabilis pa.

    Pero kung mechanical or electrical especially kung under warranty pa, better go to casa.

  9. Join Date
    Jul 2007
    Posts
    57,769
    #9
    Casa did a lousy job on my 10th gen.
    I agree that if participation is more expensive then better have it done outside instead.

    Sent from my GT-N7100 using Tapatalk

  10. Join Date
    Apr 2010
    Posts
    2,135
    #10
    kapag may minor damage sa may right side ng bumper (due to driver error; hit a big rock) and kailangang ipaayos, OK ba sa labas na lang ipaayos yung damage?

    paano pala ang pagprocess nito?

  11. Join Date
    Nov 2009
    Posts
    464
    #11
    Quote Originally Posted by myas110 View Post
    kapag may minor damage sa may right side ng bumper (due to driver error; hit a big rock) and kailangang ipaayos, OK ba sa labas na lang ipaayos yung damage?

    paano pala ang pagprocess nito?
    Pwede yan sa labas sir. Di naman kailangan sa casa pag body repair lang. Baka mas makamura ka pa sir. And madalas, quality of body repair sa casa is trash. Though hindi ko nilalahat sir.[emoji1]

    BTW sir, pwede dapat sa insurance ang self inflicted damage if ever gusto mo sa casa talaga.

    Sent from my D6503 using Tapatalk

  12. Join Date
    Mar 2008
    Posts
    54,627
    #12
    Quote Originally Posted by myas110 View Post
    kapag may minor damage sa may right side ng bumper (due to driver error; hit a big rock) and kailangang ipaayos, OK ba sa labas na lang ipaayos yung damage?

    paano pala ang pagprocess nito?
    what are your concerns, sir?
    repair quality? that's a big question. because... bad quality can be found anywhere, just as good quality repair can, also.
    if the car is insured, then your options are limited by the list of accredited shops of the insurance company.
    but if you are the one paying for everything, then you can have it repaired anywhere you wish.

    ask the insurance how much your participation fee will be.
    compare it with the amount an independent talyer will charge you for the repair.
    good luck.

  13. Join Date
    Mar 2014
    Posts
    5,975
    #13
    So that you may have an idea of the cost, I once hit a big rock which left 2 tears on my car's floor. One was 2", the other 1.5" & a couple of dents. Out of curiosity, I had it estimated in the casa, with the participation fee of 1%, estimate came out 17k plus change. Had it repaired by my PDR guy (kasi mabilis at maingat magtrabaho), cost me just P1,800, plus the reapplication of the rust proofing of P2,500.00. If it,s a minor repair without parts replacement, just have it done outside.

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Required ba na sa casa dalin ang oto pag brand new?