Comprehensive insurance...Is it really worth it?

[OTEP]

Ewan ko ba pero magnet ata ng bulok ang mga sasakyan namin. Parating mga lokbu ang nakakabangga.

Yung last na bangga ko before backing into my cousin's Honda was an owner type jeep. Buti na lang lifted yung Pajero, sumuot siya sa ilalim. hehehe. Walang damage sa akin. Yung MB100 naman, pedicab ang huling dinale.

Yung lolo ko nakatama ng Japanese sedan (323 yata or Sentra) pagbukas ng pinto nung W126. Parang hindi lang daw pinto ang nakatama 'pag tinignan mo ang damage.

[boybi]

Pero ang theft-prone ay yung Pajero lang.

OT: do you think excessive add-ons on a car will deter carnappers?

[OTEP]

OT: do you think excessive add-ons on a car will deter carnappers?

That would depend.

If they just want the vehicle for parts, add-ons won't matter. Kakatayin din nila kasi.

If they were selling it intact, then they'd probably take something closer to stock. Naalala ko yung sa Toyota Club dati may nawalan ng Patrol GQ na fully armored and off-road ready... Sa bandang U.P. ata kinuha.

[boybi]

i was thinking na mas madaling ma-spot ng mga law enforcers while the carnappers are getting away with the carnapped vehicle. but on second thought, naitago na sa bodega yung kotse hindi pa nakaka responde mga pulis natin

[OTEP]

i was thinking na mas madaling ma-spot ng mga law enforcers while the carnappers are getting away with the carnapped vehicle. but on second thought, naitago na sa bodega yung kotse hindi pa nakaka responde mga pulis natin

Tell that to odell! Grabe noh...

[Ferdy_Fenduko]

It's definitely worth it, sila yung gigitna sa iyo sa liabilities lalo na pag may nakabangga ka mapagsamantala, both tao (wala namang bali pero kunwari di na siya makakilos humihingi ng sustento kundi demanda ka daw) tsaka sasakyan ( kung minsan kasi pwede daan sa ayos, gusto palit buo) tapos ka na sa lahat ng obligation mo and guguluhin ka pa din. Pag meron ka compre, pwede mong sabihin, "Talk to my insurance" hehe

[gregsp]

It's definitely worth it, sila yung gigitna sa iyo sa liabilities lalo na pag may nakabangga ka mapagsamantala, both tao (wala namang bali pero kunwari di na siya makakilos humihingi ng sustento kundi demanda ka daw) tsaka sasakyan ( kung minsan kasi pwede daan sa ayos, gusto palit buo) tapos ka na sa lahat ng obligation mo and guguluhin ka pa din. Pag meron ka compre, pwede mong sabihin, "Talk to my insurance" hehe

Kasali ba sa comprehensive insurance ang physical injuries?

[boybi]

Kasali ba sa comprehensive insurance ang physical injuries?

physical injuries (third party) is already covered by the compulsory TPL. but the coverage is only upto Php50,000.00 (for death or total disability). but this TPL only compensates the person if the injured loses or disables one or some of body parts. i think this does not cover the cost of hospital expenses and medicines.

if you have comprehensive insurance, there is an additional coverage for TPL, which also covers most, if not all, hospitalization expenses.

[OTEP]

boybi sigurado ka bang bihon ang raket mo at hindi insurance? hehehe.

Mababa nga lang coverage ng TPL, madami pang fake na TPL.

[mazdamazda]

1. P100K repair bill for smashing our car against a jeep.
2. P2K participation fee

Priceless...