11 Month old Car - Major Insurance Claim - Some Guidance Please?

**oj88** · June 16th, 2018 10:53 AM

^ I agree. Also, with damage something this major, nothing beats having it repaired at the dealer.

**Janemar** · June 16th, 2018 08:38 PM

Originally Posted by remzam

But this is an insurance claim so as I understand, no need to source them yourself and "save" a few since the claimant will only pay participation fee once claim is approved. Right?

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Maybe He tought it's an old car. May computation kasi, you'll shoulder depreciation cost of parts vs. age of vehicle.

Example,

You claimed for headlight and fender damage for a 5year old car.

If they will replace it with a bnew HL and bnew fender, you may end up paying paticipation fee + depreciation cost of said parts.

If you will just replace it with surplus or 2nd HL and masilya fender repair, you'll just pay the participation fee, ala na dep. charge.

At the end of the day, nasa insurance policy yan at pag uusap nyo na rin ng agent/insurance company.

BTT, I think it's not applicable or small % lang dep. charge sa kanya since 11month old pa lang auto.

But then again, if this happened to me, I'll just sell the car after marepair and buy a 2nd hand unit or a new one.

I've have had experiences with Toyota casa and Hyundai casa body repair. They are good looking on the outside, no doubt balik sa dati at mukhang walang nangyari accident pero if you're OC like me and look for small imperfections, ma turn OFF ka pa rin.

**ChoyJo** · June 16th, 2018 10:31 PM

Originally Posted by oj88

^ I agree. Also, with damage something this major, nothing beats having it repaired at the dealer.

Not always the case.. Ganyan din ang nasa isip ko dati pero nung naexperience ko Yung sasakyan ko pinagawa ko sa CASA sablay ang ginawa.. Lalong lalo na yung mga parts na nakatago at hindi kita.. Malayong mas maganda pa yung gawa sa labas..

**ChoyJo** · June 16th, 2018 10:49 PM

Originally Posted by sirkosero

Parang ginusto nung driver mabangga

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Kulang lang yung pagkasabi ko.. Pero just incase lang natotal talaga yung sasakyan at babayaran ng Insurance..If ever ako yung nanghiram at ang gusto ng may ari kumuha ng bago(Ibig kong sabihing bago is kagaya ng sasakyan nya), bilang nanghiram at dahilan ng pagka-aksidente isasalubong ko kung ano ang nararapat.. Depende sa magiging usapan.. Bilang nanghiram may responsibilidad kang dapat gampanan.. Well, ako lang naman yun..Ewan ko din sa iba..

**oj88** · June 16th, 2018 11:36 PM

Originally Posted by ChoyJo

Not always the case.. Ganyan din ang nasa isip ko dati pero nung naexperience ko Yung sasakyan ko pinagawa ko sa CASA sablay ang ginawa.. Lalong lalo na yung mga parts na nakatago at hindi kita.. Malayong mas maganda pa yung gawa sa labas..

The premise here is, either pagawa mo sa accredited talyer ng insurance or sa casa. I choose casa.

Na sayo na to make sure na maayos gawa nila. What I like is well-documented kung anong pinalitan at ano ang repair lang.... and you can check. Nag-cocomplain ako kung may nakita akong mali... and they fix it. Basta, don't sign any of the release papers until you've had a thorough inspection and you're satisfied with it.

**jnjmn** · June 24th, 2018 05:29 PM

hays. problemado ako now sa insurance. nasangkot ako sa aksidente kailangan ko paayusin yung kotse ng nabangga ko. problema wala sya insurance ako naman meron comprehensive kaso lang late ko nabayaran. nabayaran ko lang sya the day after nung accident. so june 18 nangyari accident, june 19 ko nabayaran. pero yung proposal nung june 13 pa lumbas di ko lang nabayaran. so namomoroblema ako ngayon kasi baka ma reject ako ng insurance company kailangan ko ipalit yung date sa police blotter at manconvince yung nabangga ko na ipalit statement kung papayag sya at yung pulis. hays what to do? please help me guys wala ako mahanap na same case ko dto sa forum

**19michele** · July 18th, 2018 12:23 AM

Hello everyone...any idea? Ito po ba ay total loss or for repair? Kung total loss what amount possible ko na makuha? 10minth old car palang sya..own damege..complete ko na requirement ko.kakapasa ko lang sa insurance Ng claim, last July 13, till now Wala pa updates... Malayan Insurance pala kinuha ko premium..how about sa medical expenses clain ano Ang requirements? Need your insights guys. How to attach photos here?

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**servantguy** · September 25th, 2018 12:24 PM

Hi all, circling back on this and letting you know what happened: we finally got the LOAs and put the vehicle in the accredited shop Aug 15. It's still there. You folks weren't kidding when you said it would take a long time; I'm used to having a car back in less than a week after the accident! And yes, they did resubmit for a re-estimate since they found additional parts needing replacement and not included in the original LOA. I cannot wait to get this tested and driven and inspected...

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**StockEngine** · September 25th, 2018 12:30 PM

meron ba vsc yun 17' fort v model?

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**mda** · September 25th, 2018 12:33 PM

Originally Posted by StockEngine

meron ba vsc yun 17' fort v model?

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Wala. Only on the 2.8L / 4x4

Originally Posted by servantguy

Hi all, circling back on this and letting you know what happened: we finally got the LOAs and put the vehicle in the accredited shop Aug 15. It's still there. You folks weren't kidding when you said it would take a long time; I'm used to having a car back in less than a week after the accident! And yes, they did resubmit for a re-estimate since they found additional parts needing replacement and not included in the original LOA. I cannot wait to get this tested and driven and inspected...

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For an 11 month old car, and kung hindi sila pumayag sa dealer/Toyota yan, I'd change out my insurance.