Car Insurance

[nhiecah_nice29]

Good day! I was scouring for CTPL for my 2005 Innova car, pero sadly pare-pareho sila (online) that only caters for car which are at most 10 years old.. Sa international sites naman, they say na having CTPL for old cars are not worth it.. Wala na ba talaga ctpl na maganda for a 12-year old vehicle? Thanks..

Hi Sir. Sa Mapfre po, we can still issue a CTPL Policy kahit po above 10 y.o na yung vehicle. We just need a copy of the vehicle's ORCR and filled up Mapfre form. It will just cost you P 560 po.

[dr. d]

Hi Sir. Sa Mapfre po, we can still issue a CTPL Policy kahit po above 10 y.o na yung vehicle. We just need a copy of the vehicle's ORCR and filled up Mapfre form. It will just cost you P 560 po.

i have 12 year old vehicle.
do you do comprehensive insurance on them?

[iyzburg]

Hi Sir. Sa Mapfre po, we can still issue a CTPL Policy kahit po above 10 y.o na yung vehicle. We just need a copy of the vehicle's ORCR and filled up Mapfre form. It will just cost you P 560 po.

You have any branch here at Baguio or Benguet area? A quick google search gave me negative results.. :D

[Rayyah]

I already talked to a my friend (lawyer). maliit lang naman hihingiin ko sa owner eh. Pay the monthly amort nalang each day/month na di nagamit ang auto. Magulo pa kasi pag hiningi ko yung transpo hassle na nadulot nito sakin. ewan ko lang kung tama lang ba hinihingi ko.

Hassle talaga kapag mga ganyang tipo ng driver at sasakyan ang maka-damage sa yo. Sakit sa ulo.

[Rayyah]

I remember only the first year is comprehensive. The next two years TPL lang binigay no Toyota Shaw sa amin.

Sino po ba dapat mamili kung compre or TPL ang kukuning insurance kapag mag-renew. Pasensya na po sa tanong. Noob po.

[sphinxz]

Sino po ba dapat mamili kung compre or TPL ang kukuning insurance kapag mag-renew. Pasensya na po sa tanong. Noob po.

TPL is mandatory so you have no choice but to avail one. This is required every renewal.

Compre is optional and not in any way required/needed in all LTO dealings (e.g. registration, renewal). Personal preference mo na lang ito for peace of mind.

[ihKhan]

Looking for a comprehensive insurance.
Inquiry for Motor Car Insurance.
Year: 2016
Brand: KIA
Model: Picanto 1.2AT
Classification: Private
Market Value: Php 650,000.00

[jan.sy]

please excuse this question (newbie here)

nabangga kasi sa rear bumper ung 2 mos. old na auto ko the other night by a motorcycle, and sadly tinakbuhan ako ng nakabangga na parang walang nangyari.. is there a possibility na mapa repair ung dents and scratches sa kotse ko casa thru insurance claim?? ndi na rin ako nakapag provide ng police report kasi ndi ko naplakahan ung motorcycle.

thanks sa makakatulong..

[dr. d]

please excuse this question (newbie here)

nabangga kasi sa rear bumper ung 2 mos. old na auto ko the other night by a motorcycle, and sadly tinakbuhan ako ng nakabangga na parang walang nangyari.. is there a possibility na mapa repair ung dents and scratches sa kotse ko casa thru insurance claim?? ndi na rin ako nakapag provide ng police report kasi ndi ko naplakahan ung motorcycle.

thanks sa makakatulong..

report it as "hit and run", followed by "sorry, but we were not able to get the number of the vehicle".

[jan.sy]

report it as "hit and run", followed by "sorry, but we were not able to get the number of the vehicle".

clarifications sir dr.d, should i report it first to the police before going to my agent or can i report it to my agent directly even without the police report??

[dr. d]

clarifications sir dr.d, should i report it first to the police before going to my agent or can i report it to my agent directly even without the police report??

i'd contact my insurance agent, for advice. if he says, "no need", then good. if he says "need", then we go to the police station in charge of the neighborhood where the banggaan happened, and get one.

[jan.sy]

i'd contact my insurance agent, for advice. if he says, "no need", then good. if he says "need", then we go to the police station in charge of the neighborhood where the banggaan happened, and get one.

thank you dr. d,, very much appreciated!!

[driveStick]

Hi, i just want to share something. My father and mother are both government employee and nakapatapos ng mga anak sa college, as a gift, we agreed na kuhaan sila ng sasakyan, yung monthly eh pinaghahatian naming magkakapatid. Unfortuntely, last February, yung unit na gift namin sa kanila eh nabangga/hit and run habang nakapark. We were so shocked and disappointed kasi sabi ng witnesses eh bnew din daw yung naka bangga sa unit namin, d kasi nila naplakahan kasi walang nakakabit na plaka(gray montero daw yun). Front left side yung tama ng sasakyan namin kasi laging nakaharap sa daan kami magpark for convience purposes. Dun tayo sa insurance, since gov't employee nga parents namin and nakapangalan sa father namin yung sasakyan (it's a white mu-x na kakakuha lang ng January) eh sa GSIS na sila kumuha ng insurance. They've submitted all the documents (police blotter, pictures pati purok and baranggay blotter meron din na submit) na required para maka claim ng insurance, at first very accomodating sila, entertaining the calls, adviced na pumunta sa pinakamalapit na casa para mag paestimate nung cost para marepair ang unit namin, then after noon, wala na. Iaupdate na lang kami, we thought it will take atmost a month kasi sa mga kakilala namin, less than a month eh nabigyan na agad sila ng LOA, so ayun, after morethan a month, kinumusta ko yung unit sa parents q, nagulat ako kasi ang sabi nila, sabi daw nung agent/empleyado ng gsis na may hawak nung case sa sasakyan namin eh baka daw abutin ng "6 months" bago mareleasan ng LOA kasi yung latest daw na nareleasan ng LOA eh filed last Sept. 2016. So June 1 kahapon. Inatawagan ko sa oarents ko yung sa gsis insurance for an update, wala parin daw, the ****, yung windshield nga nung van nung officemate ko eh ayos na lamang(first week ng May nabasak yun dahil sa mga menor na hudas na agad angbugali na nambabato ng mga salamin ng sasakyan) palitan pero yung sa amin eh naka tengga parin sa garahe,. Nababahala lang kami kasi baka maluma yung sasakyan ng hindi nagagamit, at the same time, binabayaran din namin yun monthly. Ang amin lang eh ano aang aming dapat gawin, we want to write to the gsis, d lang sure kung demand letter o formal request and acknowledgement ng issue namin, para lang maiprocess yung insurance claims nung sasakyan.

Sana noon may nagbabala na "GSIS CAR INSURANCE IS THE WORST IN THE PHILIPPINES" ara hindi n yun yung kinuha ng parents q,. D namin magamit yung sasakyan, napuluma ng d ginagamit,.

P.S.
May government agency ba na pwedeng lapitan para mareklamo ito?we tried 8888 pero puro voice promt lang narireach namin. Salamat po tsikoteers.

-drivestick here

[dr. d]

it was mentioned in the past, somewhere here.
gsis auto insurance is very slow.
i am sorry you had to find out, the hard way.

[papi smith]

Boss drivestick, if i were in your place and having been in government service before, i would write a letter to the head of GSIS, just state the facts, don't get emotional, just make an appeal for intervention from his office. Pag demand letter kasi at medyo mayabang ang naka-upo, chances are hindi ito papansinin.

As an option also, kung kilala nyo naman ang mga taga ISIS este GSIS, kausapin nyo na lang sila na baka pwede cash settlement na lang at kayo na lang ang magpapagawa, para magamit nyo na rin agad.

[chinitaprincess]

Hello po. I'm an owner of a brand new Toyota Vios last month thru bank financing with BPI. I was qualified for free insurance promo with BPI MS so my first year was free. Question po, up to now wala pa yung policy ko. Sabi nung BPI ise send daw sa kin pero more than a month wala pa. Normal ba yan? I am following up occasionally but they have not send it. I told them I want to see my insurance coverage so I am informed.

One more thing BPi said I will be tied up to them for the duration if my loan which is 3yrs for the insurance. If I' m not satified with them, can I transfer to a different insurance next year?

Thank you po sa lahat ng sasagot!😊

[roydok]

Hello po. I'm an owner of a brand new Toyota Vios last month thru bank financing with BPI. I was qualified for free insurance promo with BPI MS so my first year was free. Question po, up to now wala pa yung policy ko. Sabi nung BPI ise send daw sa kin pero more than a month wala pa. Normal ba yan? I am following up occasionally but they have not send it. I told them I want to see my insurance coverage so I am informed.

One more thing BPi said I will be tied up to them for the duration if my loan which is 3yrs for the insurance. If I' m not satified with them, can I transfer to a different insurance next year?

Thank you po sa lahat ng sasagot!😊

Yup, pretty normal as I have yet to recieve mine and its been 3 months since I got my new vehicle.

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[roydok]

Yup, pretty normal as I have yet to recieve mine and its been 3 months since I got my new vehicle.

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BPI does not allow you to change your insurance from BPI/MS to another company for the duration of your loan. Once your fully paid ay pwede ka na lipat sa iba.

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[roydok]

please excuse this question (newbie here)

nabangga kasi sa rear bumper ung 2 mos. old na auto ko the other night by a motorcycle, and sadly tinakbuhan ako ng nakabangga na parang walang nangyari.. is there a possibility na mapa repair ung dents and scratches sa kotse ko casa thru insurance claim?? ndi na rin ako nakapag provide ng police report kasi ndi ko naplakahan ung motorcycle.

thanks sa makakatulong..

Yes, you can file a claim with your insurance. Just submit the following to your insurance company or agent; 1. An affidavit stating the events that happened, 2. Your insurance policy, 3. Pictures of damaged vehicle and 4. Repair estimate from the casa where you want it repaired. Wait for the letter of authority to be issued to your chosen casa. Once issued, you can bring your vehicle sa casa for repairs. Just be a little patient with the LOA issuance as it may take some weeks for it to be issued.

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[Pritong Kandule]

Mga boss may tanong lang po ako regarding BPI MS

Nanghihingi kasi ako ng copy insurance policy, ang sabi po sakin

As per ms insurance, policy is not yet issued as docs might be at BFB AUTO LOAN.
As soon as policy issuance team received the docs, it will be issued immediately.
Since this is a free insurance account, you will get a confirmation of auto insurance coverage that will be provided via email.
Copy of the policy will be given start of the second year.
In case of claim, we will provide the policy number.

Tama po ba ito? Nabasa ko po dati na

Policy's should be issued when you get your cars. Always ask for your policy. They can deny claims pag wala pong policy.

Style kasi yan nang ibang mga insurer in case walang claim yun free talagang free nga. Didn't cost the insurer anything.violation yan sa insurance commission

Can I demand the copy of the policy kahit hindi pa second year?