Comprehensive insurance...Is it really worth it?

[ice15]

Once lang ako kumuha from iChoose, TPL lang to renew car registration.

mas mura ba TPL nila?

[drawdee]

btw naka lagay sa policy na kailanan bayaran muna lahat yung 5 months installment para makapag claim

Parang it defeats the purpose nung installment, kung magkakaroon ka ng claim within 5 months. Need mo bayaran in full bago ka maka-claim.
Kung minalas ka sa first month nagkaroon ka ng claim, eh need mo na bayaran in full yung insurance.

[shadow]

Parang it defeats the purpose nung installment, kung magkakaroon ka ng claim within 5 months. Need mo bayaran in full bago ka maka-claim.
Kung minalas ka sa first month nagkaroon ka ng claim, eh need mo na bayaran in full yung insurance.

Ganun naman sa lahat ng insurance pag installment.


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[papi smith]

Parang it defeats the purpose nung installment, kung magkakaroon ka ng claim within 5 months. Need mo bayaran in full bago ka maka-claim.
Kung minalas ka sa first month nagkaroon ka ng claim, eh need mo na bayaran in full yung insurance.

Hindi naman, kung wala kang insurance, bayad ka ng buo pa repair, pero kung meron, ang buo mo lang babayaran ay ung premium at participation. Lamang ka pa nga, kasi hulugan habang walang claim.

[dr. d]

mukang ang dami pera ng insurance company ha, kase yung kinuha ko comprehensive insurance kay ichoose.ph para sa 2010 SUV ko nung oct 5, 2022 na 0% interest para 5 months installment ay isa buwan pa lang na ibayad ko para ma i release yung policy, tapos wala naningil nung nov 5, at wala din nag paparamdam ngayon malapit na ang dec 5...

sa festival mall office ng ichoose ko pla kinuha yung policy

btw naka lagay sa policy na kailanan bayaran muna lahat yung 5 months installment para makapag claim

it's the industry standard.
one has to pay the entire year's premium in full, before one may claim.

insurance.
one spends good money for it,
then hopes one need not have the need to use it.

[sean-archer]

Question, if Yung nakabangga sayo ay walang insurance, and you have yours. Papayag ka ba na ipagamit mo ang insurance mo to fix your own vehicle?

Is there any repercussion? Ano disadvantage?

[shadow]

Question, if Yung nakabangga sayo ay walang insurance, and you have yours. Papayag ka ba na ipagamit mo ang insurance mo to fix your own vehicle?

Is there any repercussion? Ano disadvantage?

Mas lalo na dapat gamitin mo insurance mo. Either baka insures siya or hinde. I’ll claim sa insurance ko.


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[ice15]

IMO, dito naman sa Pinas, I don't think nagcheck insurance companies ng history ng car before providing an insurance.

so kahit may bangga ka everyday... di tataas premium ng insurance.

[Tha_Mann]

Question, if Yung nakabangga sayo ay walang insurance, and you have yours. Papayag ka ba na ipagamit mo ang insurance mo to fix your own vehicle?

Is there any repercussion? Ano disadvantage?

yup gamitin mo insurance mo, bahala na yung insurance na maningil duon sa naka bangga sayo. wag ka din hihingi ng money sa naka bangga like yung participation fee, kasi once na ginawa mo yun parang may kasunduan na kayo na wala na sya liabilities sayo at mahirapan ang insurance na pag bayarin o kasuhan sya.

[dr. d]

Question, if Yung nakabangga sayo ay walang insurance, and you have yours. Papayag ka ba na ipagamit mo ang insurance mo to fix your own vehicle?

Is there any repercussion? Ano disadvantage?

i'll report my mishap to my insurance provider. after all, they are supposed to bear the brunt of the repair cost.
bahala na sila makipag-usap sa repair shop at sa naka-bangga ko.
"it'll save me from potential headaches."

warning: do not acept any form of payment, goodwill, monies, or any "areglo" at all, from the other party.
it might be mis-construed as settlement, and prevent you from enjoying full benefits from your insurance provider.