CAR Accident- brand new 3 weeks old, can i request new replacement?

[rey0209]

My new car just got an accident, almost 3 weeks old and 1000km ODO. can I request new replacement? The other driver admits his mistake and willing to pay the damages. Transfer documents (LTO papers) not yet released and on process. Insurance company estimated the damage amounting to more than 400K. Can I get a fair chance of new car replacement.

[_Qwerty_]

read your policy.. some insurance requires the damages to be over 70% of the car's current value para ma declare na total loss.. otherwise.. repair lang yan..

[yapoy86]

sirain mo pa ng todo yung kotse para ma replace na... konti na lang yan

[foresterx]

Can you post pics so we can see of insurance will declare it as totalled.

[renzo_d10]

Kapag declared na total loss ba replace unit?

Diba bigay lang sayo cash? Which is definitely mas mababa than the SRP of a new unit because of depreciation?

[_Qwerty_]

ganon lang naman talaga.. wala namang replaced unit.. bibigay lang sayo insured amount.. sa case nang TS.. wala pang depreciation.. bago pa eh.. less participation lang.. kaya lang matagal na process yan.. baka kulang ang 3 months..

Kapag declared na total loss ba replace unit?

Diba bigay lang sayo cash? Which is definitely mas mababa than the SRP of a new unit because of depreciation?

[oliver1013]

Call ng insurance to right? kung i shoulder ng nakabanga sayo ang butal para mapalitan ng bago pag nire imburse ni insurance why not.

[alwayz_yummy]

dyan ako naaliw sa carens ko--- 1.1M (old price) ang insured amount.. e brand new diba 949T nalang hehehe...

mataas lang premium ko...oh well

[vefyjeph]

Kung ang amount ng repair is 75% of the insured amount or if the engine is dead, total loss na yung car. Babayaran ng insurance sa iyo ang car using the existing "Fair Market Value". So probably di mo makuha ng full amount ng brand new... Tapos sisingilin ng insurance yung nakabangga sa yo.

[renzo_d10]

Kung ang amount ng repair is 75% of the insured amount or if the engine is dead, total loss na yung car. Babayaran ng insurance sa iyo ang car using the existing "Fair Market Value". So probably di mo makuha ng full amount ng brand new... Tapos sisingilin ng insurance yung nakabangga sa yo.

Pano kapag binunggo mo sa pader, sino sisingilin ng insurance?

Tanong lang.

[vinj]

Pano kapag binunggo mo sa pader, sino sisingilin ng insurance?

Tanong lang.

Duh... syempre yung pader. Pwede rin kasalanan ni Pnoy kung aktibista yung insurance investigator/appraiser. :D

Actually, the insurance company of the party that bumped your car, if he's comprehensively covered, will settle for your car if it qualifies to be a total loss. If he isn't, then you talk to your insurance company and they will settle and try to claim from the person who bumped you car. Kung ikaw ang nakabangga ng pader, insurance mo yung magbabayad but they will definitely watch your case closely to determine that it was not intentional, etc... CMIIW.

[renzo_d10]

Duh... syempre yung pader. Pwede rin kasalanan ni Pnoy kung aktibista yung insurance investigator/appraiser. :D

Actually, the insurance company of the party that bumped your car, if he's comprehensively covered, will settle for your car if it qualifies to be a total loss. If he isn't, then you talk to your insurance company and they will settle and try to claim from the person who bumped you car. Kung ikaw ang nakabangga ng pader, insurance mo yung magbabayad but they will definitely watch your case closely to determine that it was not intentional, etc... CMIIW.

Ah, ok vinj. Thanks.

Wala pa kasi ako experience maski mag-claim man lang ng insurance. Hinde pa naman kasi nababangga yung FD (fortunately) eh yun lang naman yung may insurance. Hehe.

[vefyjeph]

Pano kapag binunggo mo sa pader, sino sisingilin ng insurance?

Tanong lang.

natawa naman ako. hehehehe.

Own damage ang claim. Kasi ikaw ang bumunggo. Hindi naman pader ang nakabangga sa iyo. Hehehe.

In my case, nabangga yung rear ng car ko, tapos natulak sa pader. Mukhang sandwiched... Yung bumangga sa rear ang siningil ng insurance. Lusot yung pader... Pero nagcclaim pa nga ng property damage yung may ari nung pader. Tumawad na lang insurance.

[shadow]

sirain mo na or minsan pwede kausapin yun adjuster...na i total loss na lang. pwede rin yun mag quote sa CASA papalitan mo lahat hanggang umabot ng 70% yun gagasstusin...

[vinj]

Own damage ang claim. Kasi ikaw ang bumunggo. Hindi naman pader ang nakabangga sa iyo. Hehehe.

Hehe... File mo sa insurance claim/affidavit: "Na hit and run ng pader sa may San Juan kanina, walang plate number kaya hindi ma-identify".

Wala pa kasi ako experience maski mag-claim man lang ng insurance. Hinde pa naman kasi nababangga yung FD (fortunately) eh yun lang naman yung may insurance. Hehe.

Insurance is something we all should have but hope to never use.

[manbanana143]

Pano kapag binunggo mo sa pader, sino sisingilin ng insurance?

Tanong lang.

Own damaged naman yan imbestigahan yan ng insurance, kailangan mo ng valid reason sa police report bakit ka bumangga sa pader, pag okey participation fee lang yan, shoulder ng insurance ang gastos, pag my evidence ang insurance na sadya mong ibinangga sa pader sasampahan ka nila ng kaso perjury....

[Javier1]

Hi dear,
If you have a car insurance then you must be inform to your insurance company and get your car claim your company pay out akk your claim and if you car is fully then your company pay you a new car according to your insurance policy.

[Picard]

Hi dear,
If you have a car insurance then you must be inform to your insurance company and get your car claim your company pay out akk your claim and if you car is fully then your company pay you a new car according to your insurance policy.

Anu raw???????????????

[Rev01veR]

Hi dear,
If you have a car insurance then you must be inform to your insurance company and get your car claim your company pay out akk your claim and if you car is fully then your company pay you a new car according to your insurance policy.

isa pang-- ano raw??

[zel.chikot]

Hi dear,
If you have a car insurance then you must be inform to your insurance company and get your car claim your company pay out akk your claim and if you car is fully then your company pay you a new car according to your insurance policy.

nga-nga. hahaha. :jawdrop: