Car insurance

[graceford]

Read your insurance policy, out of pocket mo lang is yung participation.

Sa casa mo ba pinagawa? O accredited shop? Bakit hindi sa casa? 2017 model kamo.

Covered lahat yan.


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Accredited shop lng sir malayo po kasi samin ung casa ng ford sir nasa 1 hr pa ung travel.

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[cast_no_shadow]

Pag malaki ang damage mas matagal magbigay ng LOA since may haggling sa estimate to add mas natatagalan dahil may mga dismantling pa na gagawin to check all damages / parts to be replaced.

Mas hassle kasi na inumpisahan na yung repair then may madiskubre pa na ibang damages tapos hindi covered dun sa approval ikot ulit sa proseso.


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[graceford]

Pag malaki ang damage mas matagal magbigay ng LOA since may haggling sa estimate to add mas natatagalan dahil may mga dismantling pa na gagawin to check all damages / parts to be replaced.

Mas hassle kasi na inumpisahan na yung repair then may madiskubre pa na ibang damages tapos hindi covered dun sa approval ikot ulit sa proseso.


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Malaki2 po ang damage sir nasa 365k ang quote ng taga repair shop.

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[papi smith]

Pag malaki ang damage mas matagal magbigay ng LOA since may haggling sa estimate to add mas natatagalan dahil may mga dismantling pa na gagawin to check all damages / parts to be replaced.

Mas hassle kasi na inumpisahan na yung repair then may madiskubre pa na ibang damages tapos hindi covered dun sa approval ikot ulit sa proseso.


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Yung sakin, may hindi nakita na damage, nag follow up ako, saglit lang din lumabas LOA nung pahabol, FPG insurer

[cast_no_shadow]

Yung sakin, may hindi nakita na damage, nag follow up ako, saglit lang din lumabas LOA nung pahabol, FPG insurer

Happened to me too pero basic lang kase, for replacement yung front bumper.

Headlight no visible damage, ang problema nung natulak yung bumper naputol yung kabitan ng HL hindi maa-align pag nilagay new front bumper.

Palit din headlight, panibagong LOA din mabilis lang din.

May claim kasi kami dati bago na declare as total loss antagal nung proseso sa estimate at approval kase madaming dismantling ang gagawin.


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[shadow]

Covered lahat yan. Saka bakit sa repair shop lang hinde casa?


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[graceford]

Covered lahat yan. Saka bakit sa repair shop lang hinde casa?


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So, No need to pay from my own pocket po bah? Kac nasa 365k ung quote baka kelngn ko pa mag counterpart un ung worries ko sir hehe. Malayo po kac ang casa from our city 1 hr travel pa.

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[shadow]

So, No need to pay from my own pocket po bah? Kac nasa 365k ung quote baka kelngn ko pa mag counterpart un ung worries ko sir hehe. Malayo po kac ang casa from our city 1 hr travel pa.

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Participation lang. 2 yeara pa lang naman sasakyan ninyo

Wala ka pa hati sa mga parts

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[ray_noel]

Kulit ni ts... “wlang money icocounterpart...”....

Participation fee lang ang ilalabas mo na pera or if my depreciation fee din yata since 2017 na yung unit mo...

All in the contract or policy with your insurance...


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[wenz_vios 1.3 x]

guys just asking how much ang babayaran for car insurance. mag 1 yr na ang car this coming July. wala naman claim so far. sa bpi po naka insured as dealership 1 yr free. car model toyota vios xe 1.3 2019 model.


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[papi smith]

Around 2% of insured value

[papi smith]

Insurance fraud yan, mas malaking sakit sa ulo dahil iisipin nila connivance with dealer

[papi smith]

The fact that they offered to shoulder the participation is already a red flag. Someone inside is trying to make money at your expense. Hope you can name this casa or the brand at least, or general location, so it will be avoided by tsikoteers

[papi smith]

AFAIK, all OD insurance do not require police report and the supplied incident report form also doubles as the affidavit

[wenz_vios 1.3 x]

guys when i bought my car last year July. naka bpi car insurance kasi sa bpi din naka car loan. then free 1 year insurance. din need to renew na. what are the things needed for renewing. or do i need to apply to other car insurance company. how much pala ang babayaran. thanks


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[dr. d]

guys when i bought my car last year July. naka bpi car insurance kasi sa bpi din naka car loan. then free 1 year insurance. din need to renew na. what are the things needed for renewing. or do i need to apply to other car insurance company. how much pala ang babayaran. thanks


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i do not have that problem, but
i suppose you have to ask your mortgage holder, if getting the comprehensive insurance from elsewhere, as per mortgage contract, is allowed.

[benchman]

guys when i bought my car last year July. naka bpi car insurance kasi sa bpi din naka car loan. then free 1 year insurance. din need to renew na. what are the things needed for renewing. or do i need to apply to other car insurance company. how much pala ang babayaran. thanks


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since you availed your free 1 year insurance, you don't have to and you cannot until you paid your car loan at full. they(bpi/ms) will automatically renew your insurance annually then you can pay the insurance fee later on.

[Egan101]

guys when i bought my car last year July. naka bpi car insurance kasi sa bpi din naka car loan. then free 1 year insurance. din need to renew na. what are the things needed for renewing. or do i need to apply to other car insurance company. how much pala ang babayaran. thanks


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You can choose a different Insurance company but you have to inform BPIMS ahead of time so that they will not charge you for another year. This is what I did with my Forester which I got thru BPI. Just show the Insurance document to your preferred Insurance company and they will quote you for the Insurance premium.


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[yebo]

You can choose a different Insurance company but you have to inform BPIMS ahead of time so that they will not charge you for another year. This is what I did with my Forester which I got thru BPI. Just show the Insurance document to your preferred Insurance company and they will quote you for the Insurance premium.


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Afaik bpi will not allow you to do that. Taking a loan with bpi and availing of their "free" 1st year insurance binds the buyer to renew the car insurance with bpi for the duration of the loan. Again, that is afaik ganyan ang loan contract nila, captive ka na magrenew ng insurance with bpims only.

Kaya kahit kelan di ako nagloan sa bpi because of that provision. Other banks i've dealt with (pnb, psbank, eastwest) do not have that provision.

[dr. d]

Afaik bpi will not allow you to do that. Taking a loan with bpi and availing of their "free" 1st year insurance binds the buyer to renew the car insurance with bpi for the duration of the loan. Again, that is afaik ganyan ang loan contract nila, captive ka na magrenew ng insurance with bpims only.

Kaya kahit kelan di ako nagloan sa bpi because of that provision. Other banks i've dealt with (pnb, psbank, eastwest) do not have that provision.

how big is the difference between the bpi insurance premium and the others?