Car insurance

[MamBad]

Not much info on Mercantile Insurance, has anyone here tried them?


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[ChoyJo]

Ako din inayawan na Sasakyan ko sa Compre dahil 10 years old na(Alterra '08).. Meron ba kayo pwede masuggest na nagbibigay ng comprehensive insurace sa ganitong edad.. Meron namang nagsabi sa akin 17.7k 600k premium eh feeling ko Mahal naman dahil nasa 15k na lang ako dati tapos sa participation fee depende daw sa damage..lol.. So expect ko dapat mas mababa na..

[_Qwerty_]

try standard insurance.. up to 12 years old yata sa kanila pwede.. or more..

Ako din inayawan na Sasakyan ko sa Compre dahil 10 years old na(Alterra '08).. Meron ba kayo pwede masuggest na nagbibigay ng comprehensive insurace sa ganitong edad.. Meron namang nagsabi sa akin 17.7k 600k premium eh feeling ko Mahal naman dahil nasa 15k na lang ako dati tapos sa participation fee depende daw sa damage..lol.. So expect ko dapat mas mababa na..

[jepen]

try standard insurance.. up to 12 years old yata sa kanila pwede.. or more..

Any feedback about Standard Insurance. Thanks sa mag reply.

[AlexiSharma3113]

newbie here,

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

hi taga mapfre po ako

[dreamur]

Just to share my experience with Standard Insurance

An ahole backed up into my parked car at the middle of the night and ran away leaving deep scratches on the front bumper and a detached headlamp washer. I discovered the damage on Saturday morning and reported it through their hotline on Monday. An adjuster came today (Tuesday) and took pictures. Surprisingly, i received approval on my OD claim 3 hours after.

May the offending hit-and-run driver meet his match.

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[papi smith]

Ganyan din nangyari sa amin dati, sa parking ng hotel, di napansin ni misis, until nakauwi siya at ako pa ang nakakita

Gasgas ang buong front bumper, tumiklop pa nga ang plate number.

[dhisky]

Question,

What if ako ang naka bangga at yung nabangga ko gusto gamitin ang insurance nya. Ano ang magiging scenario?

a. Will I get in trouble if yung sa kanya ang gagamitin kasi baka ako ang habulin ng insurance nya for the expense and hindi ako tutulungan ng insurance ko?

b. Pwede rin namang gamitin insurance nya at insurance to insurance na lang ang mag uusap?

c. Or standard rule na kung sino naka bangga sa kanyang insurance ang gagamitin?

[papi smith]

Gusto nya gamitin insurance nya malamang in exchange for you paying his participation, walang gastos on his part. The scenario I see here is beholden ka sa tagal ng approval at higpit ng insurance nya.

No hard and fast rule as to who's insurance your going to use, as long as you both agree on what benefits both of you and what tale to spin.

[dhisky]

Gusto nya gamitin insurance nya malamang in exchange for you paying his participation, walang gastos on his part. The scenario I see here is beholden ka sa tagal ng approval at higpit ng insurance nya.

No hard and fast rule as to who's insurance your going to use, as long as you both agree on what benefits both of you and what tale to spin.

*papi smith

Let's say he wants me to pay the participation plus dapat with police report so he could legally file a claim.

Again ako ang may kasalanan at mas malaki damage sa kanya, question is, if insurance nga nya gagamitin, hahabulin ba ako insurance nya for the expense since kasalanan ko?

[papi smith]

If gagamitin insurance nya para ipagawa ang sa iyo, syempre dapat siya ang party at fault, his insurance will not agree to repair yours if the supporting document (affidavit or police report) does not state that it is his fault, ergo, not a liability. Baka nga malamang habulin ka nila if you are at fault, but i don't think pinagkakaabalahan pa ng insurance ito. Opinion ko lang ito, better ask an insurance expert.

[L1quid]

Gagawa sya dapat ng quitclaim para sayo. Kapag habulin ka man ng insurance nya papakita mo lang yung document that relinquishes you from any further claim.

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[dhisky]

^Thanks guys!

Sir paano yang quitclaim? Like a handwritten letter lang na sinasabi nung nabangga na di nako hahabulin ng insurance nya with his/her sign on it?

Meron kasing mga stories na ang hinahabol ng insurance company is yung at fault or they apply it only sa mga ayaw makipag usap?

Sana meron pa mag clarify nito just in case we'll get involved (wag naman sana) in that kind of scenario, we know what to do.

[ka dante]

Guys, totoo ba yung naka lock-in ang insurance ng sasakyan mo pag nag avail ka ng free insurance? What if ayaw mo na i renew sa kanila ang insurance ng sasakyan mo kasi mataas ang premium at participation, ano maging status ng auto-loan mo?
TIA.

[cast_no_shadow]

Guys, totoo ba yung naka lock-in ang insurance ng sasakyan mo pag nag avail ka ng free insurance? What if ayaw mo na i renew sa kanila ang insurance ng sasakyan mo kasi mataas ang premium at participation, ano maging status ng auto-loan mo?
TIA.

Read the fine-print.

Saken before yes naka lock in, binayadan ko na lang yung “free” the next renewal so I can endorse my preferred insurance.

Ang mahal talaga, hindi lang bawi. Kumita pa sila.


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[ambags08]

^Thanks guys!

Sir paano yang quitclaim? Like a handwritten letter lang na sinasabi nung nabangga na di nako hahabulin ng insurance nya with his/her sign on it?

Meron kasing mga stories na ang hinahabol ng insurance company is yung at fault or they apply it only sa mga ayaw makipag usap?

Sana meron pa mag clarify nito just in case we'll get involved (wag naman sana) in that kind of scenario, we know what to do.

Quitclaim is agreement niyo both parties na wala ng hahabulin na pera or whatsoever sa inyo yung taong nakasundo ninyo,pwedeng handwritten or not,sign needed

[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...

[Teng19]

Guys, totoo ba yung naka lock-in ang insurance ng sasakyan mo pag nag avail ka ng free insurance? What if ayaw mo na i renew sa kanila ang insurance ng sasakyan mo kasi mataas ang premium at participation, ano maging status ng auto-loan mo?
TIA.

Buti ung sa amin d Naka lock-in... Mat free 1yr na CI din panay kulit na mag renew ng CI pero naghahanap pa kami ng maganda na CI this Sept.25 na ang expire nung free sa Honda

[Aira Advincula]

Guys, totoo ba yung naka lock-in ang insurance ng sasakyan mo pag nag avail ka ng free insurance? What if ayaw mo na i renew sa kanila ang insurance ng sasakyan mo kasi mataas ang premium at participation, ano maging status ng auto-loan mo?
TIA.

Hi Sir! Yes mostly po ng naka-free insurance, naka-lock in po. But still depends on what bank naka-loan. Depende sa rules ng financing. If ever ayaw niyong ma-lock in pwede namang hindi magsign sa contact but need natin bayaran ang first insurance. [emoji846]

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[markarvin5]

Good day po.
I'm about to renew my compre this Aug2019.
Ano po mas maganda, kumuha ng insurance directly sa company or mas ok po sa agent?
Ano po marrecommend nyo insurance company? Thanks po!