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Verified Tsikot Member
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October 7th, 2012 12:13 AM #51I 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..
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Verified Tsikot Member
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October 7th, 2012 11:11 AM #53Sabi sakin pag labas ng casa automatic less 20% na daw ng value..
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October 7th, 2012 01:40 PM #54
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Tsikot Member Rank 2
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October 7th, 2012 02:32 PM #55
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Verified Tsikot Member
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October 7th, 2012 07:53 PM #56
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October 7th, 2012 08:29 PM #57
good luck nlang..sana maayos na problem sa insurance..
Last edited by phezthie; October 7th, 2012 at 08:37 PM.
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Verified Tsikot Member
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October 7th, 2012 09:29 PM #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. HTHLast edited by phezthie; October 7th, 2012 at 09:35 PM.
see my pahabol statement above. i mean, i can go on vacation anytime. but my spouse has her...
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