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

[mar04]

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_]

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

[mar04]

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]

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]

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]

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]

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]

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]

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]

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.

[JohnM]

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]

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_]

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

[raul tuason]

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