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

[jnjmn]

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

[_Cathy_]

And if it's declared a total loss, the decent thing to do for the person who recked your 11 month old car is to shoulder the remaining amount to replace it with a brand new one.

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[servantguy]

Thank you all for the encouraging replies! I aggregated all of your advice and filed a claim. It turns out a dear friend of my mom is an agent, and so he facilitated the reporting. We secured the driver affidafit, certified copies of the driver's US license, a copy of the passport and itinerary to corroborate her valid tourist stay (and thus valid authority to drive), and we're now waiting to submit after the holiday weekend is over. The agent reassured me that we would be taken care of; so here's praying!

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[servantguy]

An addendum: as for the total loss conversation, the estimates put repairs at close to 500k, and so I unfortunately do not think getting a new vehicle is in the cards at this time. We'll see what the powers that be say. And as to whether or not the story is true, since I'm far away, I have no way to prove things one way or the other. So I'll just have to take their word for it.

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[glenn_duke]

An addendum: as for the total loss conversation, the estimates put repairs at close to 500k, and so I unfortunately do not think getting a new vehicle is in the cards at this time. We'll see what the powers that be say. And as to whether or not the story is true, since I'm far away, I have no way to prove things one way or the other. So I'll just have to take their word for it.

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Sa damaged na dinescribe mo (wala bang picture?) around 500k nga yan.
I clear molang sa gumawa ng estimate kung replace side doors and fenders.
Pag hindi mo binantayan, mamasilyahan lang pero sa estimate, "replace" ang nakalagay.
Kung "replace" lahat ng damage parts at least malapit lapit sa brand new.

[cast_no_shadow]

Sa damaged na dinescribe mo (wala bang picture?) around 500k nga yan.
I clear molang sa gumawa ng estimate kung replace side doors and fenders.
Pag hindi mo binantayan, mamasilyahan lang pero sa estimate, "replace" ang nakalagay.
Kung "replace" lahat ng damage parts at least malapit lapit sa brand new.

Chances are tataas pa yang estimate once they start dismantling parts for further checking of damage.

Casa pa? Malamang replace agad yan hehe


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[dr. d]

based on the description, they will probably replace entire assemblies like the entire front fender, and the front and rear doors. maybe even the front bumper and grille.
if you can source them yourself and not rely on the casa, you may be able to save a huge bundle.

i do not know if you can, but some folks hire "parts hunters" to do their sourcing for them.

[remzam]

based on the description, they will probably replace entire assemblies like the entire front fender, and the front and rear doors. maybe even the front bumper and grille.
if you can source them yourself and not rely on the casa, you may be able to save a huge bundle.

i do not know if you can, but some folks hire "parts hunters" to do their sourcing for them.

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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[19michele]

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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[dubidubidapdap]

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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Good day, I just want to see if I have a good understanding on the matter.
If you're referring to the OP's situation whereas the damage on his vehicle is mostly on the right hand side and hopefully no major misalignment on the right hand chassis involved, I think that it won't be considered as a totaled as most of the damage were only on the "shell part".

And I was right that the Insurance will haggle to bring the vehicle out to their accredited shop instead of an accredited casa. Unless the accredited shop OP mentioned is an accredited a Toyota Dealership partnered with them. hehe

Now, if you're referring to a separate case whereas you do have a totaled vehicle, and that you already have filed a claim to your insurance company, I guess all you can do now is wait for the evaluation which mostly take a month or two. Follow up lang ng follow up. The amount of the coverage is stated on your insurance policy; which is most likely be around 80-90% of the vehicle's original value as its only 10mos old.

For the medical claim naman and since its comprehensive and its premium, i guess its 50k max coverage per passenger. I think you need the receipt of all the bill from the hospital where the passengers were admitted to. Also, check for additonal coverage like towing expense, loaner car or additional commuting expense baka covered din. hehe.

TPL is different. This is for medical claim naman for third party involved. Better consult your CTPL Insurance Policy, too.
Sana makatulong.

[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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[StockEngine]

meron ba vsc yun 17' fort v model?

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[mda]

meron ba vsc yun 17' fort v model?

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Wala. Only on the 2.8L / 4x4

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.

[StockEngine]

Wala. Only on the 2.8L / 4x4



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

thanks...


toyota i think will make it standard for 2019... just like their small sedans...

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[19michele]

Update ko sa Insurance claim ko. Okay na. Na claim ko na checke ko in 3 months process. Salamat sa Diyos. Got our new unit. Salamat din sa mga payo nyo [emoji4]

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