Car Insurance choices

[sirkosero]

Policy said per incident talaga sir Dee. Pero yun coordinator ng insurance said they don’t believe daw na single incident lang kasi hiwa-hiwalay yun areas of damage. I said i cannot choose where the mangoes will fall and it was windy later in the afternoon that day. I was at the hospital so hindi ko namove yun car. Nasa gilid nga ako ng trees e, not exactly underneath. So baka nahanginan talaga. Iniinsist nila na different incidents daw. [emoji29]


Sent from my iPhone using Tapatalk

Yup. Unless maprove mo sa kanila na isang incident lang. Unlikely kasi na nabangga ka sa harap tapos may gasgas at dent din sa likod. If you can prove it, iaccept naman nila. Dito na papasok yung actual pictures of the accident.

Pag ikaw naman ang sa insurance adjuster, how sure will you be na lahat nga ng tama eh galing sa iisang mangga? Papano mo idefend sa boss mo din na inapprove mo na nahulugan ng mangga lalo kung sa ibat ibang panel ang tama at mukhang nabangga pa ng iba ang damage? Hirap diba?

Naalala ko dati, sa coastal road. Yung kasalubong namin na jeep, nahulog yung spare tire na nilagay nya sa bubong ng jeep nya tapos mabilis takbo. Muntik kami tamaan, buti naka iwas. In hindsight, inisip namin, kung sakaling nadamge yung kotse, papano namin maprove na ganun nangyari... Di pa uso dashcam noon.

Charter din insurance ko. Took a week to have claim approved.

Sent from my MI MAX 2 using Tapatalk

[Archerfish]

Yeah. Charter Pinggan nga rin ito. Inhouse of Toyota. I will not renew my insurance with them anymore. Sa iba nalang next time.


Sent from my iPhone using Tapatalk

Charter din insurance ko. Took a week to have claim approved.

Sent from my MI MAX 2 using Tapatalk

That is fast, compared to what happened to me. In my case, I needed to write a letter to the main office so that I may be entertained.

I filed my claim by the month of August, and I was only "noticed" properly by the month of November. If I didn't write a formal complaint on November 2, I don't know how long it would have taken.

With CGIC, it took them a month before getting the approval. I don't know if it was from casa or from the insurance company that caused the delay. No complaints with the company, except that it took them more than a month for my car to be released.

In my experience with PhilBritish, Nica is prompt in doing a follow-up. In fact, the delay was on my part. It took me a month before I was able to send all the documents needed. I was "trapped" because of my work. Once I brought the car, release is swift.

I have no intention to malign the company. I am just sharing my experience. And my experience is in great contrast to what happened to my friend, who recommended Charter Pinggan. He got his approval the next day, and everything was hassle free. With me, it took them about four months.

My friend is an alpha male! While I'm only Charlie.
[emoji3]

[dr. d]

Naalala ko dati, sa coastal road. Yung kasalubong namin na jeep, nahulog yung spare tire na nilagay nya sa bubong ng jeep nya tapos mabilis takbo. Muntik kami tamaan, buti naka iwas. In hindsight, inisip namin, kung sakaling nadamge yung kotse, papano namin maprove na ganun nangyari... Di pa uso dashcam noon.

Charter din insurance ko. Took a week to have claim approved.

Sent from my MI MAX 2 using Tapatalk

confiscate the offending spare tire and present it as evidence.
include the jeepney driver as corroborating evidence.

you might also confess, you ran into a lamp post.
para wala nang ebi ebi dense pah.

jok.

seriously,
the proof is in front of you.
what matter how it was incurred?
eh, self accident is admissible naman, 'di bah.

[dr. d]

Sorry if OOT, but would like to ask the experts here.
Is it true that the insurance company would charge participation fee per panel be be repaired? Nahulugan kasi ng mangoes yun car while in the parking lot, broke the windshield and dented some panels, and the one in charge sa insurance sa Toyota said I need to pay 15k participation fee! I said that’s too much, that’s almost the price of an entire policy! Sabi nya per panel daw kasi ang charge. I said as far as I know, fixed ang participation fee. I am using their inhouse insurance. This is a Rav4 2018.


Sent from my iPad using Tapatalk

yes, the participation fee is per event, regardless of how many panels are involved in that single event.

but i ask,
did the hulugan part occur in just one fell swoop?
or did it happen several times over a significantly longer period of time, within which time you failed to move your car to a safer place?
you did say you were indisposed, during the interval.
makes for arguable argument from either side...

[rd81]

yes, the participation fee is per event, regardless of how many panels are involved in that single event.

but i ask,
did the hulugan part occur in just one fell swoop?
or did it happen several times over a significantly longer period of time, within which time you failed to move your car to a safer place?
you did say you were indisposed, during the interval.
makes for arguable argument from either side...

It was on one event doc. I was at the hospital for a few days. I usually park at that area naman during my clinic days. I don’t know kung one day lang yun or not, pero within a week’s time yun. May dent sa roof, fender and rear door. Then windshield was broken. Malakas din kasi hangin nun time na yun so baka yun reason why the mangoes fell. Sinilong ko kasi yun car dahil ilang days siya maiiwan. Napasama pa tuloy.


Sent from my iPhone using Tapatalk

[Deestone]

You could also get quote from moneymax they will give you choices from at least 3 insurance companies then you will choose which one got a better deal.

Sent from my SM-N910C using Tsikot Forums mobile app

[papi smith]

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 [emoji1787]

Sent from my Mi A1 using Tsikot Forums mobile app

[dr. d]

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 [emoji1787]

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.

[_Cathy_]

Sa buong buhay ko ngayon nga lang ako nakarinig ng per panel

Sent from my SM-N960F using Tapatalk

[Papajamba]

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...


Sent from my iPhone using Tapatalk

[dr. d]

Sa buong buhay ko ngayon nga lang ako nakarinig ng per panel

Sent from my SM-N960F using Tapatalk

some pintors use it as a rough gauge in estimating the cost of car painting.

[sean-archer]

People's general, 3 months before dumating LOA, now I'm waiting for the payment for the Casa repairs.

Sent from my SM-A715F using Tapatalk

[papi smith]

Dati madali lang yan, ung accredited shop na lang ang bahala, no more participation, pirma ka lang sa dulo ng blank paper, pero mahigpit na ata ngayon, lalo na at sobrang baba na ng premium compared dati.

Sent from my Mi A1 using Tsikot Forums mobile app

[papi smith]

Pag ganyan boss, on site accident report form provided by the insurer, may part na drawing mo ang pangyayari hehe, sabay pa pirma sa kabilang party, better kung may witness na bgy official. di pa kasi masyado uso camera phone noon

Sent from my Mi A1 using Tsikot Forums mobile app

[cast_no_shadow]

Sa FB ko lang lagi din nababasa yang per panel na participation fee (parang fake news na kumalat na lang din siguro).

General rule naman talaga na per incident yan not per panel.


Sent from my iPhone using Tapatalk

[rd81]

Sa FB ko lang lagi din nababasa yang per panel na participation fee (parang fake news na kumalat na lang din siguro).

General rule naman talaga na per incident yan not per panel.


Sent from my iPhone using Tapatalk

Eventually I was able to talk na to the higher ups. Per event/incident nga daw. Initial person who said per panel ang charge was wrong.
They are asking me to bring the car by early July (mahirap daw kasi order ng windshield from Japan for Rav4). Dadalin ko na kasi sana sa labas para iparepair yun dents kung 15k ang sisingilin. Parang kaya naman itulak lang e.


Sent from my iPhone using Tapatalk

[papi smith]

When I bought my new car last 2020, ung discounted price ginamit ko, not only because sayang din ung few kesos sa premium but also because I think na para masulit mo ung additional premium kelangan ma total mo ung car mo in 3 days. Sa totoo lang, mailalabas mo lang to the point of being able to total it is after 2 weeks, super swerte mo pa kasi 2 months on the average lumabas ang ,OR/CR. Enough na ung ung may cover ka na pag labas mo ng casa accidentally nabangga ka and the cost is 200k, swak na swak na ang premium mo.

[Stigg ma]

so pumunta ako sa mafre branch office at nag pa quote ng comprehensive insurance, bale sa mafre office ay 350k ang insured amount pero sa online via broker (icomparemo/moneymax, etc) ay 377k ang insured amount na pareho mafre din

parang amusement park pala ito insurance, mas okay dumaan sa broker (klook) kaysa dumeretso sa head office

[dr. d]

so pumunta ako sa mafre branch office at nag pa quote ng comprehensive insurance, bale sa mafre office ay 350k ang insured amount pero sa online via broker (icomparemo/moneymax, etc) ay 377k ang insured amount na pareho mafre din

parang amusement park pala ito insurance, mas okay dumaan sa broker (klook) kaysa dumeretso sa head office

"it is bad business practice to undercut one's own dealers."

what about the rest of the conditions spelled out in the contract, po?

[_Qwerty_]

yes.. mas ok may broker.. i get mine sa Marsh Philippines.. pag may claim.. sila na nag aasikaso..