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  1. Join Date
    Oct 2009
    Posts
    249
    #1
    Mga bro, yung car ko nalubog and declared total loss, covered nila is 420k nung nag avail ako, now they are offering me 350k kasi depreciated na daw, fair po ba offer nila? Tsikot ko is 2009 model lancer. With 85k on odo..

  2. Join Date
    Feb 2008
    Posts
    5,179
    #2
    Sounds ok to me kasi usually 15% to 20% depreciation for total loss.

  3. Join Date
    Oct 2009
    Posts
    249
    #3
    Salamat po sir, actually yung wife ko ayaw pang pumayag, gusto nya ipaayos sa casa, sa akin naman its either ipambili ko na lang ng mirage or vios yung mkukuha ko, though mag add pa ako

  4. Join Date
    Mar 2005
    Posts
    2,237
    #4
    Di ba dapat full amount ng kung ano man yung naka indicate sa insurance policy since naka factor in na din yung depreciation sa insurance policy mo nung inavail mo siya?

  5. Join Date
    Feb 2008
    Posts
    5,179
    #5
    Hindi po, meron po talaga depreciation kung total loss.

    Ganyan din sister ko yung ondoy, gusto niya cash settlement na lang then pagawa. Para sakin kasi paglumubog na Oto, marami na sakit ng ulo like rusting, electronics, etc. May risk na hindi babalik sa reliable form yung car.

    I'm with you on this sir, let the car go. Get the Mirage, since hindi papayag insurance pagawa yan. baka cash settlement ang labas, mag lalabas pa rin ng pera for repairs.

  6. Join Date
    Mar 2005
    Posts
    2,237
    #6
    I see, additional depreciation pa pala yun.

  7. Join Date
    Oct 2009
    Posts
    249
    #7
    Salamat sa mga reply bro, medyo nalulungkot din ako kasi almost everyday kasama ko yung kotse and kasama ng family on weekends and road trip, sa 85k on odo, wala akong ipinaayos dun, as in flat lang naging aberya ko dun. Eh one time big-time pala mangyayari... Hay... Nagbabasa basa na rin ako ng thread sa mirage

  8. Join Date
    Aug 2007
    Posts
    5
    #8
    Anong insurance company po naka-insure oto mo sir? Naghahanap kase ako replacement insurance.

    Thanks!

  9. Join Date
    Nov 2009
    Posts
    12,358
    #9
    Quote Originally Posted by nyvlem View Post
    Mga bro, yung car ko nalubog and declared total loss, covered nila is 420k nung nag avail ako, now they are offering me 350k kasi depreciated na daw, fair po ba offer nila? Tsikot ko is 2009 model lancer. With 85k on odo..
    Magkano offer if hindi mo i-surrender car mo sa kanila?

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