Car insurance

[tobyferrer]

How much do you guys value car insurance? And san kayo kumuha?

[Yuesford]

Following this thread. Pero bet namin yung Malayan. Okay at mabilis daw ang proseso dun.

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[Sealtiel_301]

newbie here,

may taga mapfre po ba dito or nagkaroon na ng transaction sa mapfre?

[litocamayo91]

1st post. yes mapfre customer here for over 10 years. never had a problem with them 👍

[Sealtiel_301]

1st post. yes mapfre customer here for over 10 years. never had a problem with them 👍

hi po.

verify ko lang may chances na po ba na nabangga ka then yung nakabangga sayo ay siningil nila ng cost ng repair? am not familiar with insurances i dont have one kasi.

[tokiyashiro]

Need some legal advice related to car insurances

So here are some pictures of the accident's. My friend is driving the L300 and had a minor accident with the KIA car as shown in the pic, based on the police reports they are at fault. Imgur: The magic of the Internet

Now it's been 2 months since both our insurance are processing this issue. First our L300 is insured in FPG, and we are insured only for the amount of 200K.

And there's one alarming thing we noticed. They seem to be overpricing those Headlights as shown on the KIA.

Here's the total estimate that was given to us by the owner of the KIA. Imgur: The magic of the Internet

The first estimate was only shown to be 37K . The revised one blew up to 340K.

Another shop where they got another estimate. Imgur: The magic of the Internet

The only thing that's funny with this Street Smart is that they also did overprice this headlights.

If we bought these parts outside of insurance I truly believe we won't even go over 50K or less because I've also checked their accessories prices and those OEM headlights.

Our problem is , since we are only maxed out to 200K and the total estimate repair is 340K we will need to shoulder that 140K and we're trying not to make that happen.

It also seems like FPG insurance is trying to add the total cost of the repair to get their money back for all these repairs that's going to cost them.

What are your thoughts?, would love to have an advice with some people who work or had any insurance experiences with their cars.

Our other solution is to have the repair done by us instead of trying to get it into an insurance.

Thanks

[ed_0001]

1st post. yes mapfre customer here for over 10 years. never had a problem with them 👍

Hi mga sir,

May tanong lng po ako. Ganto po kasi scenario. Binili po namin ung car from toyota last June 2017, since nag expire na po ung free insurance namin, nag pa quote kami sa ibang insurance company/banks pati din sa in house ng toyota. And since kunti lng naman difference ng amount sa ibang banks/insurance company sa inhouse nila, bumalik na lng kami ulit para mabawasan ang long process. By the time na nakapagbayad na kami yesterday Aug 1, 2018 saka lng nila cnabi na ibaback date daw nila start date ung insurance to June 2018 since sinusunod daw nila ung purchase date. Meaning kahit daw kumuha kami or magbayad kami sa december 2018 balik pa din daw sa June 2018 ang start nya. And since nabanggit namin na last na kuha na naman un sa kanila, cnabi nila na di daw pwede ang 3rd party kasi sa toyota financing kami nakaloan.

Pa advise lng po sana.

Maraming salamat.

[jonski]

nabangga ako ng isang van sa side ng car and minor lang naman. Kung sabihin ko ba na self accident sa insurance ay kailangan pa ba ng police report?

[AlexiSharma3113]

newbie here,

may taga mapfre po ba dito or nagkaroon na ng transaction sa mapfre?

hi taga mapfre po ako

[Teng19]

hi taga mapfre po ako

Work po kau sa mapfre o mapfre CI holder po,, ask tanung lang po kc naghahanap pa ako ng okies na CI now...

[JJB]

Happened tp my driver too, backed up to a starex and damaged 2 panels. The owner submitted a quote of 14k for the damage from hyundai shaw. I got a quote from hyundai pasig at 7k and showed it to the owner. So i just paid 7k.

Talk to the other party and tell them that the quotation is outrageous. Tell them youll get a quotation from another casa and talk nicely to the service advisor so he can give an honest estimate.
Ask the owner too where they had their HL retrofitted so youll know how much it really costs. Absurd na 50k ang retrofit ng HL, moreso for just 1 piece.
Good luck


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[xtopherdelax]

May experience na ba kayo sa vigattin?

[Eric Sulit]

Hi, I had this damage sa right fender when I incorrectly placed the jack sa maling point. I filed for a claim since estimated ng casa is around 11k for the repair. BPI MS insurance ko however they denied my claim kasi negligence ko daw yun. Is there a workaround for this? TIA

[_Qwerty_]

diba kasama sa own damage yan?

Hi, I had this damage sa right fender when I incorrectly placed the jack sa maling point. I filed for a claim since estimated ng casa is around 11k for the repair. BPI MS insurance ko however they denied my claim kasi negligence ko daw yun. Is there a workaround for this? TIA

[dr. d]

oo nga.
ang alam ko, "self-stupidity" is covered.
i once bumped into the vehicle in front of me. my fault. tailgaiting. sinagot in-house insurance.
once, my son backed up my old car, into my new car.
tawa lang ng casa. one owner.. two cars for repair.

[Eric Sulit]

diba kasama sa own damage yan?

oo nga.
ang alam ko, "self-stupidity" is covered.
i once bumped into the vehicle in front of me. my fault. tailgaiting. sinagot in-house insurance.
once, my son backed up my old car, into my new car.
tawa lang ng casa. one owner.. two cars for repair.

Yun din alam ko covered sa own damage kaya di ko na din sinabi na may collision na nangyari. Kung alam ko lang sana sinama ko sa report na may tinamaan ako.

[Ohlanzki]

Hi Guys,

Question regarding replaced damaged parts on insurance claims. I was advised by the service adviser that my bumper needs to replaced since the damaged one has holes. Does the old damage bumper will be given to me? They told me that the damaged bumper will be submitted to the insurance provider.Please reply if anyone of you has this same experience.


Thanks,
Ohlanzki

[n0cary3t]

Hi Guys,

Question regarding replaced damaged parts on insurance claims. I was advised by the service adviser that my bumper needs to replaced since the damaged one has holes. Does the old damage bumper will be given to me? They told me that the damaged bumper will be submitted to the insurance provider.Please reply if anyone of you has this same experience.


Thanks,
Ohlanzki

normally, replaced parts are turned over sa insurance. i had the same case before but with my side mirror.


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[babkalakal]

Hi Guys,

Question regarding replaced damaged parts on insurance claims. I was advised by the service adviser that my bumper needs to replaced since the damaged one has holes. Does the old damage bumper will be given to me? They told me that the damaged bumper will be submitted to the insurance provider.Please reply if anyone of you has this same experience.


Thanks,
Ohlanzki

correct po sir. replaced parts are turned over to the insurance co.

[azethine]

I have a question and any opinion is appreciated!

Just bought our brand new car and we noticed a dent sa paint and a deep scratch sa windshield top to bottom. When we pointed it out to the casa, they promised to fix it free of charge and told us to wait while they ordered for a replacement windshield.

1 month later they are asking us to use our insurance (financed by the bank so we're currently paying fixed amount for insurance per month for full coverage) and sagot daw ni casa participation fee etc.

My question is will this have any repercussions for my future claims sa insurance? I'm afraid na after my insurance spends a lot of money for the windshield, baka naman mas mahirapan ako sa next claims ko? Okay lang ba ung ganun? New driver here so I'm worried.

Thanks, will be waiting for any advice before I give them a reply.