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  1. Join Date
    Feb 2019
    Posts
    3,747
    #91
    Quote Originally Posted by dr. d View Post
    depreciation charge is for damaged parts that are replaced by brand-new parts.
    there is no depreciation charge kung pinukpok, minasilya At pininturahan lamang ang piyeza.
    But if surplus no depreciation charge anymore.

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  2. Join Date
    Dec 2017
    Posts
    2,687
    #92
    Quote Originally Posted by papi smith View Post
    Is this a more than 5 year old car? Then it must be depreciation, i don't think there should be any other charge aside from participation if this is below 5 years old.
    That's it, depreciation! It will be four years old this coming December. The rear wheel will be replaced and hopefully, I will be able to take it home. I mean, the damaged wheel.
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  3. Join Date
    Nov 2019
    Posts
    583
    #93
    Quote Originally Posted by Papajamba View Post
    FPG sa akin and fixed participation fee of 4k sa akin. Paid that amount lang when nabangga ako sa likod na palit rear bumper and 1 panel repair.
    FPG under ichoose ako at ichoose lahat nagayos ng papers. Took them 1 week lang for approval. No need to talk to fpg.


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    Need to brought up this again.
    I think the per panel participation fee is for own damage claim?

  4. Join Date
    Mar 2008
    Posts
    49,422
    #94
    Quote Originally Posted by Deestone View Post
    But if surplus no depreciation charge anymore.

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    that is correct.
    the only issue would be the claimed acquisition cost of said part.
    tayo na lang ang maghanap at bumili.
    pag may taga-hanap kasi, ay malamang may finder's fee pa yan...
    heh heh.

  5. Join Date
    Mar 2021
    Posts
    636
    #95
    Quote Originally Posted by carxynogen View Post
    Need to brought up this again.
    I think the per panel participation fee is for own damage claim?
    Iíve done 2 own damage claims and for both, 4k participation only. 1 FPG under ichoose, and 1 bpi/ms facilitated by bpi branch. Both cars are less than 3 years old.
    Read again your contract or contact your agent


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  6. Join Date
    May 2014
    Posts
    1,267
    #96
    Quote Originally Posted by carxynogen View Post
    Need to brought up this again.
    I think the per panel participation fee is for own damage claim?
    I've never encountered nor has my family (parents) a comprehensive insurance coverage that is "per panel". The standard as stated by others is "per incident".

    So say i get side swiped and it hits a lot of panels on the right side of the vehicle. all related repairs for that fall under 1 incident and 1 participation fee max will be charged. However, if in the course of the claim, I decide the apply for repair for something on the left side (late filing for another incident as an example), then that will fall under a 2nd incident with its accompanying participation fee for said incident.

    Perhaps you can review your insurance policy. Heck, I'd much appreciate to see how a "per panel" coverage is worded so I know how it is phrased to avoid it.

  7. Join Date
    Jan 2016
    Posts
    5,547
    #97
    Ang hirap naman ng per panel, pano kung total wreck, ilang panels ba meron ang kotse, ung glass, counted din ba as panels? Piano bumpers, panels din? Lights, side mirrors, and the list goes on, babaratin na nga ang value ng kotse mo, babananatan ka pa ng isang katerbang participation fee Car Insurance choices

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  8. Join Date
    Mar 2008
    Posts
    49,422
    #98
    Quote Originally Posted by papi smith View Post
    Ang hirap naman ng per panel, pano kung total wreck, ilang panels ba meron ang kotse, ung glass, counted din ba as panels? Piano bumpers, panels din? Lights, side mirrors, and the list goes on, babaratin na nga ang value ng kotse mo, babananatan ka pa ng isang katerbang participation fee Car Insurance choices

    Sent from my Mi A1 using Tsikot Forums mobile app
    panel ang binibilang, because many painters paint the entire panel, even if only a portion of it is damaged.
    but any and all other parts installed therein are individually accounted for, for depereciation charges.

    total wreck? they have a definition for it. their policy has something to say about total wreck.

  9. Join Date
    Jul 2007
    Posts
    53,619
    #99
    Sa buong buhay ko ngayon nga lang ako nakarinig ng per panel

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  10. Join Date
    Mar 2021
    Posts
    636
    #100
    Quote Originally Posted by _Cathy_ View Post
    Sa buong buhay ko ngayon nga lang ako nakarinig ng per panel

    Sent from my SM-N960F using Tapatalk
    Ako rin eh.
    Baka maling akala lang...


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