New and Used Car Talk Reviews Hot Cars Comparison Automotive Community

The Largest Car Forum in the Philippines

Page 6 of 6 FirstFirst ... 23456
Results 51 to 59 of 59
  1. Join Date
    May 2009
    Posts
    28
    #51
    Quote Originally Posted by antholhen View Post
    Di ko magets lowball?? Napapakiusapan ba yun na medyo dagdagan yung bayad samin?
    I had the same experience ..all the while i thought.. ang ibabayad ng insurance ko noon sa akin is the one na nakalagay dun sa Insured Value..pero HINDI... fair market value pala..

    now you may ask.. anong basis ng Insurance to assess the Fair Market Value.. yun ang hindi ko alam.. pero ang ginawa ko nagsearch ako ng mga ads for sale.

    I declined their first offer and wrote them a letter and attached the copy of ads na nakita ko .... ang nangyari..nag meet halfway na lang.. yung additional value na nirequest ko ..half nun.. after that pumayag na ako..

  2. Join Date
    Aug 2012
    Posts
    967
    #52
    Bwahahaha!

  3. Join Date
    Aug 2011
    Posts
    162
    #53
    Sabi sakin pag labas ng casa automatic less 20% na daw ng value..


    Sent from my iPad using Tapatalk HD

  4. Join Date
    Oct 2011
    Posts
    26,787
    #54
    Quote Originally Posted by cal0i View Post
    Sabi sakin pag labas ng casa automatic less 20% na daw ng value..


    Sent from my iPad using Tapatalk HD

    hindi naman cguro ganon kalaki na 20% na agad.

  5. Join Date
    Jun 2005
    Posts
    3,762
    #55
    Quote Originally Posted by cal0i View Post
    Sabi sakin pag labas ng casa automatic less 20% na daw ng value..


    Sent from my iPad using Tapatalk HD
    AFAIK that is true only for the resale values. for insurance, depending on what your policy states, they will give you near the purchase value. read the policy. my officemate who totalled her 1 year old car got a brand new replacement with waived participation fee.

  6. Join Date
    Oct 2012
    Posts
    6
    #56
    Quote Originally Posted by sirkosero View Post
    AFAIK that is true only for the resale values. for insurance, depending on what your policy states, they will give you near the purchase value. read the policy. my officemate who totalled her 1 year old car got a brand new replacement with waived participation fee.
    Ang nakalagay kasi sa policy 854k ang covered.

  7. Join Date
    Jul 2008
    Posts
    351
    #57
    good luck nlang..sana maayos na problem sa insurance..
    Last edited by phezthie; October 7th, 2012 at 08:37 PM.

  8. Join Date
    Oct 2012
    Posts
    6
    #58
    Quote Originally Posted by phezthie View Post
    good luck nlang..sana maayos na problem sa insurance..
    Ok thanks hehehe

  9. Join Date
    Jul 2008
    Posts
    351
    #59
    ang hirap ng takbo ng discussion...

    ok ganito nalang... me kotse ka, worth 1M bili mo sa kasa.

    na insured mo, sa XXXX amount. yung XXXX amount, yon yung basis ng premium na babayaran mo pero sa batas ng insurance, yung XXXX dapat iyon yung tinatawag na insurable interest...

    hindi pwede magpa cover ng insurance na above sa insurable interest, pag nagkaron ng indemnity incident, hindi tataas sa insurable interest yung babayaran ng insurance company...

    kung yung xxxx amount ay equivalent o less than the insurable interest, hindi pwedeng mag decline ang insurance co. na bayaran yun...in the first place, yug yung basis ng premium na binayaran...

    ang exception lang e kung meron double insurance at wala consent yung unang insurance company na nagcover,, dapat me consent nila before kumuha ng another insurance unless yung pina insure ay yung remaining insurable interest na hindi na cover ng unang insurance, otherwise, pwede nila i rescind yung policy... in short, walang makukuha yung nag pa insure kasi nag violate siya ng provision nung policy...

    ngayon, kung yung 1M talaga ang tamang insurable interest na pina insured mo, 1M dapat nila bayaran. pag tumawad, gulpihin mo ng isurance code. HTH
    Last edited by phezthie; October 7th, 2012 at 09:35 PM.

Page 6 of 6 FirstFirst ... 23456
CAR Accident- brand new 3 weeks old, can i request new replacement?