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  1. JustAskin
    JustAskin is offline Verified Tsikot Member
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    August 24th, 2012 05:10 PM #1
    Quote Originally Posted by vinj View Post
    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".



    Insurance is something we all should have but hope to never use.
    hmmm...laki siguro ng kinikita ng mga insurance companies...mostly kasi hindi naman nagagamit...hmmmm...good business siguro ito...
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  2. cast_no_shadow's Avatar
    cast_no_shadow
    cast_no_shadow is offline Tsikoteer
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    August 24th, 2012 05:22 PM #2
    Quote Originally Posted by JustAskin View Post
    hmmm...laki siguro ng kinikita ng mga insurance companies...mostly kasi hindi naman nagagamit...hmmmm...good business siguro ito...
    Hindi rin, sa dami ba naman ng nadidisgrasya everyday. Lalo na nung panahon ni ondoy malamang naumay sila sa mga claimant.

    Sabi nga pag insured ka hindi mo man nagamit still ang binayaran mo is peace of mind.
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  3. niro2011
    niro2011 is offline Verified Tsikot Member
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    August 24th, 2012 06:27 PM #3
    Quote Originally Posted by JustAskin View Post
    hmmm...laki siguro ng kinikita ng mga insurance companies...mostly kasi hindi naman nagagamit...hmmmm...good business siguro ito...
    insurance companies don't make money on motor car insurance. but it is indeed a good business.
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  4. dr. d
    dr. d is offline Tsikoteer
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    August 24th, 2012 06:43 PM #4
    Quote Originally Posted by niro2011 View Post
    insurance companies don't make money on motor car insurance. but it is indeed a good business.
    i beg pardon, but it's one or the other... can't be both. pls. explain..
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  5. antholhen
    antholhen is offline Verified Tsikot Member
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    October 5th, 2012 09:18 PM #5
    May depreciation na po ba agad yung 5 months old 7-8k mile age ford fiesta??? Nabangga po kasi kami eh total wrecked na po yung fiesta ko. Babayaran po ba kami ng insurance ng katulad nung pagkakabili namin??? Ang alam ko kasi wala pa naman depreciation hanggat di pa nakaka 1 year.
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  6. basti08's Avatar
    basti08
    basti08 is offline Nissan/Mazda Fanatic
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    October 5th, 2012 09:28 PM #6
    Quote Originally Posted by antholhen View Post
    May depreciation na po ba agad yung 5 months old 7-8k mile age ford fiesta??? Nabangga po kasi kami eh total wrecked na po yung fiesta ko. Babayaran po ba kami ng insurance ng katulad nung pagkakabili namin??? Ang alam ko kasi wala pa naman depreciation hanggat di pa nakaka 1 year.
    ay ambot! pag labas pa lang nyan sa casa, may depreciation na yan hehe... pero kung total wreck, there's a good chance na mapalitan yan ng unit. goodluck.
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  7. antholhen
    antholhen is offline Verified Tsikot Member
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    October 5th, 2012 09:38 PM #7
    Quote Originally Posted by basti08 View Post
    ay ambot! pag labas pa lang nyan sa casa, may depreciation na yan hehe... pero kung total wreck, there's a good chance na mapalitan yan ng unit. goodluck.
    Kase ang mangyayari babayaran nalang daw kami ng insurance. Ang sakin lang fully amount ba nung fiesta ibibigay samin???
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  8. phezthie's Avatar
    phezthie
    phezthie is offline Tsikoteer
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    October 5th, 2012 10:05 PM #8
    ^^kung ano yung amount na insured mo sa own damage (insurable interest), yun ang ibabalik sayo pag declared na total wreck...hindi new unit ang ibibigay sayo..

    yung depreciation pag di total wreck and there are parts to be replaced lang...
    Last edited by phezthie; October 5th, 2012 at 10:07 PM.
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  9. xwind_mariner
    xwind_mariner is offline Verified Tsikot Member
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    October 6th, 2012 08:56 PM #9
    Quote Originally Posted by antholhen View Post
    May depreciation na po ba agad yung 5 months old 7-8k mile age ford fiesta??? Nabangga po kasi kami eh total wrecked na po yung fiesta ko. Babayaran po ba kami ng insurance ng katulad nung pagkakabili namin??? Ang alam ko kasi wala pa naman depreciation hanggat di pa nakaka 1 year.
    ang bagong car kapag nilabas mo na sa casa,lets say 1 day old, hindi mo na mabebenta sa original na price...(kung ako yon buyer, sa bago na lng ako, galing casa, tama?) pagdating sa usapin ng insurance, pagpirma mo pa lng sa contract policy (bgo yon car mo) makita mo na agad doon kung magkano na lng ang price ng car mo, ang tanong mo ay kung papalitan ng insurance ang car mo na nabannga(total loss),nacarnap, ang sagot ko ay "HINDI".. OK ganito yon, New car mo ay worth P1.0M, ikinuha mo ng insurance(good for 1 year), pumirma ka sa contract at nabasa mo doon na yon price value na lng ng car mo ay P900,000 n lng(within year of coverage), (nabannga 1 day after signing the contract or 1 day before maexpire yon contract policy)so kung total loss, P900,000 na lng ang sasagutin ng insurance...yon 100% insured na nakalagay doon ay hindi yon price na galing sa casa, yon 100% price na nakalagay sa insurance paper ay yon price value ng insurer...so kung gusto mo ay palit bago, dagdag ka pera. Ayaw mong magdagdag, sa korte ka na magdemanda,demanda mo na lng yon nakabannga kasi tapos na participation ng insurance company kung nagbigay na sila ng P900,000 as 100% insured ng car mo.
    About participation fee, some insurance company(my insurance have this policy) offered no participation fee if your car is less than 3 years old.
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CAR Accident- brand new 3 weeks old, can i request new replacement?