Damage from an unknown source (Insurance help)

[Car me maybe]

Hi,

Nagkaroon ng malaking dent and mahabang gasgas kotse ko sa parking area, and di ko alam kung sino ang gumawa. Ano kelangan kong gawin para insurance ang sumagot ng gastos sa repair?


Thanks,

maybe


Grabe 6 days palang sa akin yung kotse. :\

[dr. d]

talk to your insurance agent, sir. i'm sure that kind of thing is covered.

[sirkosero]

Hi,

Nagkaroon ng malaking dent and mahabang gasgas kotse ko sa parking area, and di ko alam kung sino ang gumawa. Ano kelangan kong gawin para insurance ang sumagot ng gastos sa repair?


Thanks,

maybe

execute ka ng notarized affidavit. bring the car to the insurance for them to get pictures and estimate. after processing bigyan ka ng authorizatiom letter then bring the car to the authorized shop.

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[Car me maybe]

Kelangan pa ba ng police report? Yun kasi ang sabi sa akin ng kawork ko.

Galing BDO insurance ko, pwede ba sila ang kausapin ko?

[kortopi]

kami po gaya ng sabi ni Sir Serkosero notarized affidavit lang pwede na gamitin para magclaim ng insurance.

[dr. d]

Kelangan pa ba ng police report? Yun kasi ang sabi sa akin ng kawork ko.

Galing BDO insurance ko, pwede ba sila ang kausapin ko?

bossing, kung nasa BDO ang insurance ng sasakyan na yan, silang taga-BDO insurance ang pinaka-importanteng dapat mong kausapin!
wag mo na kami kausapin, ngunit si BDO ay dapat mong kausapin!
sa totoo lang, sila lang naman ang dapat mo talagang kausapin, e...

[Manilablock]

Kelangan pa ba ng police report? Yun kasi ang sabi sa akin ng kawork ko.

Galing BDO insurance ko, pwede ba sila ang kausapin ko?

vandalism po ay kasama sa coverage ng insurance, ok din na puntahan mo na ung prefered CASA mo para kumuha ka ng estimate, tapos kunan mo ng picture ung damage area, at ung buong car.

pag punta mo ng BDO i present mo ung estimate at pictures, tapos ask mo kung ano pa ang kulang.

[_Qwerty_]

inde na kailangan nang police report dyan..

sworn statement lang yan.. just narrate kailan mo unang nakita.. sila na din magpapa notaryo non.. covered nang insurance yan.. bayad ka nga lang participation..

[nhiecah_nice29]

talk to BDO Sir, alamin nyo po kung saang insurance company nila kinuha yung insurance mo. If Mapfre, I can assist you with your claim.

[Retz]

^

nag outsource pa BDO sis? diba may sariling insurance company BDO ?

[nhiecah_nice29]

^

nag outsource pa BDO sis? diba may sariling insurance company BDO ?

Yes Sir nagoutsource pa sila minsan. Some of my clients, they thought from BDO yung car insurance nila but to find out from MAPFRE yung insurance policy.

[derf8666]

^

nag outsource pa BDO sis? diba may sariling insurance company BDO ?

BDO is a broker. They do not have their own insurance company. They act as intermediaries just like other agents. Matalino mga Sys. Even if they have lots of money, they wont set up an insurance company. Walang talo ang brokerage, commission basis din lang sila. samantala an insurance company can lose a lot of money in a bad year.

[sirkosero]

hahaba na naman... hehehe

edit: respect on the road. yep that's the keyword.

400k repair bill? may i ask what car is this some insurance would just replace the car and consider this a total loss. moreso if the cost of repairs is > half the market value of the car

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[willyfernando]

400k repair bill? may i ask what car is this some insurance would just replace the car and consider this a total loss. moreso if the cost of repairs is > half the market value of the car

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It's not even half the market value of my car Sir, that's just around 15%. If the TS' insurance is full coverage and is paid in full then he should have no problem getting his claim. If we can't get the "necessary" replacements we are covered to begin with then that defeats the purpose of full coverage. You must negotiate sternly with these folks as you gave them your business trust at the start of the deal so it is only fitting that you claim it when necessity calls for it.

[dr. d]

It's not even half the market value of my car Sir, that's just around 15%. If the TS' insurance is full coverage and is paid in full then he should have no problem getting his claim. If we can't get the "necessary" replacements we are covered to begin with then that defeats the purpose of full coverage. You must negotiate sternly with these folks as you gave them your business trust at the start of the deal so it is only fitting that you claim it when necessity calls for it.

may i ask, what car are we talking about?

[willyfernando]

It's a Honda Pilot 2013. It's the one I posted in a different thread.

[sirkosero]

since the pilot is not a common vehicle, agree in demanding replacement panels instead of having the damage repaired.

buti madali mo nakausap insurance mo sir

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[willyfernando]

since the pilot is not a common vehicle, agree in demanding replacement panels instead of having the damage repaired.

buti madali mo nakausap insurance mo sir

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I've had the same fears as the TS but i had to think of it this way, They convinced us and assured us that if we get full coverage we have nothing to worry about. We paid them in full and if ever we do survive w/o an accident or any incident of any sort during the year of coverage then the insurance company is lucky. It is our basic instinct to shy away from accidents to avoid the hassles of repairs. Therefore the chances of the insurance company spending for repairs in a 10 year period of coverage would probably be in the vicinity of 10-30%. I would like to take full advantage of this deal when and if ever incidents like this happen as this is the only time we win against our yearly bet with the insurance company. Besides, if full coverage can guarantee a total car replacement why won't it work for choice cuts w/c in my view is just BS by the Insurance companies. It's not the fine print that you have to worry about. It's being suckered into an agreement that you don't understand very well that will hit you in the face. I chose to use the assurance of my bank w/c handled my business trust to begin with. If they screw this deal then not only will I be pissed off but I will also withdraw all my bank dealings with them and they can't risk that. They would never allow a simple insurance claim ruin our good relationship.