Car Insurance

[MarkMark]

Hi insurance agents

Will renew my comprehensive car insurance with AOG this January.

Mazda 3 2013 1.6 maxx AT

Kindly PM me your best quotations or email me at pretty_liezeld*yahoo.com

Thank you so much

Hi Ma'am, email sent po.

[makelovenotwar]

Looking for a comprehensive car insurance with AOG.

Unit: 2015 Isuzu Mu-X 2.5 4x2 LS-A
Email Add: alexpadua_resurreccion*yahoo.com

Thanks!

[benchman]

need your help mga sir/ma'am,

i accidentally hit a curb at a parking lot 2 weeks ago, minor damage lang naman with a few small yet deep scratches sa front bumper. since may mga maliliit na tama na rin naman yung bumper(own damage also) kaya naisipan kong ipasok na lang sa insurance(BPI/MS) para idamay na yung previous damage for repair/ claims. calling the insurance company hot lines really gave me a hard time, there's no way i could talk to any person to whom i can address my concern because all there was are automated answering "robots" that led me to nowhere.

and so i tried sending an email instead. me declaring the accident as my own damage then asked what documents would they need for a claim...they replied and i had provided everything as what they had instructed and sent it via email. sabi pa nila; there's no need to bring the car to their motor car drive-in center to have it inspected then evaluated for the damage if i can have it pictured clear with the damage showing the license plate and a close up shot of the damage itself. i have it done then send it to them. included also is the job estimate from toyota taytay where i brought the car for an estimate amounting to php 8,500.
communication with BPI/MS are done everything thru email and the waiting game ends tonight with a surprise after reading the email they had sent me;


Sir,

Good evening!

Please be informed that your claim has been approved already and be guided
on the computations below:

Approved amount (based on Toyota Taytay's estimate net of
discount) P 7,650.00

less deductible (participation fee)
6,412.50

---------------------
Initial Net Claim
P 1,237.50

Please advise us if we will now issue the LOA to Toyota Taytay. Your
participation fee amounting to P 6,412.50 is payable to your preferred
shop.

Thank you.




guys, sa policy ko was clearly stated that deductible is * php 3,760.00. they are charging me with the amount of 6,412.50?
it's my first time doing this and so i need your advice. i haven't replied that email yet and i have no plans calling that crap hot lines again.
i have it here attached some documents for reference;

job estimate




policy




the damage




i haven't tried somewhere else outside the casa to have it estimated for the repairs. though i can abort the claims at baka mas makamura pa siguro kung sa labas ko na lang ipagawa.
hays,,,,,

[ninjababez]

^bro over 3 years old na ba auto? parang may percentage na shouldered na ng owner.

[weisshorn]

Yup may percentage for spare parts cost charge to the owner pag more than warranty coverage. But wait, 3.5k labor for paint job, 3 k for paint & consumables? Waaahh! Kadalasan 3 to 4k or maybe less ang bumper repair outside casa with out insurance claim.

[red_one]

1 car shop near LRT Gil Puyat charges 3k for whole bumper repair and repaint.

Sent from my D5833 using Tapatalk

[nhiecah_nice29]

Sir i-ask nyo po si BPI kung para saan yung additional na P 2652.50 sa deductible. Ipakita nyo rin po sa kanila yung copy ng policy ninyo indicating the P 3760 deductible. 2014 model yung sasakyan ninyo kaya wala pa dapat depreciation fee sa mga parts ng papalitan.

[_Cathy_]

How old nags start ang depreciation sa parts?

Sent from my GT-N7100 using Tapatalk

[dr. d]

How old nags start ang depreciation sa parts?

Sent from my GT-N7100 using Tapatalk

the minute they leave the showroom, po.
owner/insured may argue their case, however.
it's still a case-to-case basis every time, depending on how friendly the insurer is to the insured.

[nhiecah_nice29]

How old nags start ang depreciation sa parts?

Sent from my GT-N7100 using Tapatalk

Maam for your reference.

[dr. d]

Maam for your reference.

...zero depreciation within the first three years...!

[papi smith]

kahit na more than 3 years na yan, may depreciation ba ang ganyang trabaho? paint job lang yan at wala namang papalitang parts?

[dr. d]

kahit na more than 3 years na yan, may depreciation ba ang ganyang trabaho? paint job lang yan at wala namang papalitang parts?

wala nga po.. pintura lang yan.
walang papalitan..

kapag may papalitang piyesa lang yata yung depreciation schedule.

he was just responding to the other person's question re. depreciation formula/schedule.

[soulfly023]

Kung gusto ng walang depreciation pwede naman surplus ipalit

[dr. d]

Kung gusto ng walang depreciation pwede naman surplus ipalit

errr... who would be tasked with looking for such replacement part, po?
and what warranties, if any, do such surplus parts, guarantee?

[nhiecah_nice29]

errr... who would be tasked with looking for such replacement part, po?
and what warranties, if any, do such surplus parts, guarantee?

Sir kapag non casa na accredited ng insurance company (ex. Brother's auto concept in LP) sila na yung naghahanap ng surplus parts for the client para wala ng depreciation fee na bayaran ng assured tapos po inotify na lang yung insurance company para irevise yung LOA nya. Still option pa din po ng assured kung surplus or brand new yung irereplace sa vehicle nya.

[Flipo]

1 car shop near LRT Gil Puyat charges 3k for whole bumper repair and repaint.

Sent from my D5833 using Tapatalk

Yung sa akin almost the same damage, 1K lang dito sa suki ko.
I have to pay 700 pesos for the 200 ml paint but, I will keep the remaining paint.

[_Cathy_]

Maam for your reference.

Thank you! I need to have my bumper repaired this year then.

Sent from my GT-N7100 using Tapatalk

[ninjababez]

Thank you! I need to have my bumper repaired this year then.

Sent from my GT-N7100 using Tapatalk

Mag 3 year old na ba altis mo? Feeling ko kaka 1 year lang 😊

[_Cathy_]

Mag 3 year old na ba altis mo? Feeling ko kaka 1 year lang 😊

Kaka 2 years pa lang. In house insurance ako

Sent from my GT-N7100 using Tapatalk