Do not purchase any insurance from PEOPLE'S GENERAL INSURANCE!!!

[EL Chicane]

And regarding sa canvas, although may computerized list nga yung toyota, still kailangang pa ring icanvas ng insurance yan. They have to see if the price of the parts are reasonable. You can get an original part from a reliable auto supply much cheaper than sa toyota mismo.

That's true .... kung hindi mo pinasok sa casa ng Toyota yung sasakyan.

Kapag pinasok mo sa casa ng Toyota, Peoples Gen cannot dispute or recanvass the spare parts anymore.

Usually, kapag naka-mortgage yung sasakyan mo, kailangan ipasok mo siya sa casa mismo, or dun sa mga approved car repair shops.

Going back to Toyota, since partner ang Toyota with Peoples Gen, wala nang hassle sa canvassing. Dahil alam na ng Peoples yung price list ng mga pyesa sa casa. Since hindi naman ikaw ang magbabayad nung piyesa, ipasok mo na sa casa para wala nang tawaran ng presyo.

[Horsepower]

Total Loss ang tawag dyan, same as pag na-carnap.

Kapag brand new ang sasakyan, ang matatanggap mo equal dun sa price ng kotse. Then, depreciated na ang makukuha mo kada taon. Say, 1 million nung brand new, baka mga 920k na lang the next year. And so on....

Thanks, akala ko I got it wrong. hehe

[derf8666]

That's true .... kung hindi mo pinasok sa casa ng Toyota yung sasakyan.

Kapag pinasok mo sa casa ng Toyota, Peoples Gen cannot dispute or recanvass the spare parts anymore.

Usually, kapag naka-mortgage yung sasakyan mo, kailangan ipasok mo siya sa casa mismo, or dun sa mga approved car repair shops.

Going back to Toyota, since partner ang Toyota with Peoples Gen, wala nang hassle sa canvassing. Dahil alam na ng Peoples yung price list ng mga pyesa sa casa. Since hindi naman ikaw ang magbabayad nung piyesa, ipasok mo na sa casa para wala nang tawaran ng presyo.

I'm not sure how people's gen works. But many insurance companies still canvass for the price of the parts even if its from the casa, coz a lot of times, they are grossly overpriced. Insurance companies still do haggle with them, oftentimes on a percentage basis. It's usually 20%-30% on body parts and 5%-10% on mechanical parts, can go higher or lower, depending on the casa and the arrangement. Insurance can actually supply the parts even if it's gonna be repaired in toyota or any other casa if they cant match the prices outside, especially if it is the exterior body panels.

[EL Chicane]

Honestly, it's difficult to imagine why Toyota would agree to use spare parts purchased outside of their own Toyota inventory simply because it is cheaper outside. And besides, if a mortgaged car has a contractual obligation to have the car repaired from the Toyota Service Center, Toyota will insist to use its own spare parts at its fixed price because they know the insurance company is contractually obligated to pay for it.

That's exactly the reason why you take your car to the casa. To have the assurance and peace of mind that you are getting authentic Toyota-branded genuine parts and warranty. Kung sa labas na tindahan sa Banawe din pala kukunin yung piyesa, sana sa talyer mo na lang pinasok yung kotse.

[_Qwerty_]

i agree.. hindi naman pumapayag ang toyota na gumamit nang parts na hindi galing sa kanila.. what insurance companies do eh they agree to use oem parts from toyota tapos they haggle for the price.. usually they get 10% discount from Toyota.. that's it..

[derf8666]

Just speaking from experience peeps. Here are some stuff I will share with you. They subcontract the repair of your cars to other smaller talyer. Have you ever wondered why sometimes you are not allowed to see your car when they are inside the casa? and then they will just tell you to wait for what seems like an eternity. Well, thats because the car is probably somewhere else. They dont replace your damaged body parts sometimes even if insurance approved for the replacement. They have a way of repairing body panels without any noticeable differences. They change your original parts into replacement parts. many of their employees are just trainees overseen by an experienced supervisor and/or manager. a lot of times these trainees go on and open up their own talyer or choose to work independently for other talyer. I have encountered these things when I was still working in an insurance company. The best way to safeguard your car actually is to befriend a nice local talyer where you can become friends with the owner.

Of course, these things might not be that widespread, but they do happen.

[EL Chicane]

I think yung kinu-kwento mo eh angle ng sindikato sa loob ng Toyota na kasabwat yung insurance agents. For example, yung client ng Toyota binayaran niya is 10k na spare parts, ang gagawin nung insurance agent bibili ng replacement part ng worth 6K lang dyan sa Banawe na maaring nakaw pa. Pero ang ike-claim nila sa kumpanya eh 10K. So yung 4K na difference, paghahatian nung Toyota agent at nung Insurance agent. Tig-2K sila at ibubulsa na nila ito.

Well, lahat ng conspiracy theory pwede pag sindikato at criminal activities na ang pinag-uusapan. So mahirap naman na i-presume natin na yan ang standard procedure.

But again, like i said, kung legal procedure ang pag-uusapan, I don't think Toyota has any motive to "subcontract" the job sa talyer gayung meron naman silang in-house Toyota mechanics na obligadong bayaran nung insurance. Bakit gugustuhin pa nilang kumita yung talyer sa labas?

[mark_t]

Just speaking from experience peeps. Here are some stuff I will share with you. They subcontract the repair of your cars to other smaller talyer. Have you ever wondered why sometimes you are not allowed to see your car when they are inside the casa? and then they will just tell you to wait for what seems like an eternity. Well, thats because the car is probably somewhere else. They dont replace your damaged body parts sometimes even if insurance approved for the replacement. They have a way of repairing body panels without any noticeable differences. They change your original parts into replacement parts. many of their employees are just trainees overseen by an experienced supervisor and/or manager. a lot of times these trainees go on and open up their own talyer or choose to work independently for other talyer. I have encountered these things when I was still working in an insurance company. The best way to safeguard your car actually is to befriend a nice local talyer where you can become friends with the owner.

Of course, these things might not be that widespread, but they do happen.

That is how a mechanic starts his career. First as a trainee, then much later
to a business owner.

By the way derf, may narinig ka na ba na insurance agent na nakiki pag conspire sa
casa eh hindi nga sila welcome doon?

Mayroon ako naririnig na namimili ng LOA. Pinaka madaling kita. 10% kaagad ang cut.
Conspiracy? Gaano ba kalaki ang claim at kadalas para kausapin mo ang isang repair shop?
Pag Insurance Agent ka at maganda flow ng claim, end of the year mo na malalaman na tinamaan ka pala ng claim at naubos CPC mo.

Ang pagkaka alam ko kaya 30 minutes lang yon iba me LOA na dahil
binibili nila LOA.(or the LOA has been spoken for)

Babayaran nila agad ng CASH ang CASA or repair shop then
cut sila ng 10% and sila ang maghihintay ng maturity ng Credit terms.

Usually 90days ang Credit terms ng mga Insurance CO. sa mga repair shop.
Some repairshop sells this LOA for SPOT CASH as a form of cash management
para walang ng problema sa collection.

Nangyayari parang tumataya lang sa sigurado ang financier.
But what do I know?

[mark_t]

I think yung kinu-kwento mo eh angle ng sindikato sa loob ng Toyota na kasabwat yung insurance agents. For example, yung client ng Toyota binayaran niya is 10k na spare parts, ang gagawin nung insurance agent bibili ng replacement part ng worth 6K lang dyan sa Banawe na maaring nakaw pa. Pero ang ike-claim nila sa kumpanya eh 10K. So yung 4K na difference, paghahatian nung Toyota agent at nung Insurance agent. Tig-2K sila at ibubulsa na nila ito.

Well, lahat ng conspiracy theory pwede pag sindikato at criminal activities na ang pinag-uusapan. So mahirap naman na i-presume natin na yan ang standard procedure.

But again, like i said, kung legal procedure ang pag-uusapan, I don't think Toyota has any motive to "subcontract" the job sa talyer gayung meron naman silang in-house Toyota mechanics na obligadong bayaran nung insurance. Bakit gugustuhin pa nilang kumita yung talyer sa labas?

Walang matinong Insurance Agent na makikihati ng kita.
Bawal yon. RATES ang usapan, walang hati. You work hard to enjoy
your special project. If your dignity is questioned by your insurance co.
tanggal ka sa mga special project. Hindi ka na rin makaka pag almusal sa harap
ng presidente.

Baka hindi ka na papansinin sa claims department, tatagal claims mo(hindi priority)

Ikaw makikihati ka ba ng kita mo?

Meron ba makaka pag validate ng hatian na ganyan?

[alabangbedan]

guys need your help. i am following up m LOA sa peoples.

if ever nakuha ko na siya next week. pwede ko na pagawa agad sa honda ba? or after magawa i need to process pa something?

please help asap.. thanks!

[derf8666]

By the way derf, may narinig ka na ba na insurance agent na nakiki pag conspire sa
casa eh hindi nga sila welcome doon?

Nope. I dont think its possible. Probably pwede pa yung claims department, but definitely not the agent. Sa mga ordinary talyer pwede. Pero "conspire" may be too harsh a word. ang alam ko yung iba nangungumisyon, thats about it. And I dont see anything wrong with that. What with all the competition going on, giving someone a share for their referral is quite ok. I always give referral fees to my sub agents if they will refer to me anyone who buys real estate from me. Pero sa insurance ko, not that much kasi maliit lang ang kita sa insurance e, makikihati pa? Tapos perwisyo pa pagdating ng claim? Wag na lang.. Kaya kayo diyan kung may alam kayong naghahanap ng mga real estate properties sabihin niyo lang sa akin..

[derf8666]

guys need your help. i am following up m LOA sa peoples.

if ever nakuha ko na siya next week. pwede ko na pagawa agad sa honda ba? or after magawa i need to process pa something?

please help asap.. thanks!

Pag may LOA ka na, its good as go. Ipasok mo na sa honda. Pero it would be good to double check kung anong inclusions sa LOA mo. Kasi minsan merong mga ibang portion na hindi naapprove ng insurance. Baka mabigla ka lang kung bakit hindi nagawa ng casa yung supposedly akala mo na gagawin. Pero kung lahat ng kineclaim mo ay included naman, ipasok mo na and then coordinate with the casa na lang for the schedule of the release. Pag kukunin mo na yung unit, check mo lang if everythings ok, then sign ka lang ng release of claim and pay the corresponding participation fee. Kung third party ka naman, sign also the affidavit of desistance. Thats all..

[alabangbedan]

ako po un third party sir. so once marecieve ko LOA wala na ako aaskiasuhin noh? ang worry ko kase baka mamya i'll wait pa for peoples to pay them other than the LOA bago ko makuha kotse ko..

palagay ninyo po sir?

[derf8666]

Yup. You dont need to do anything na and just have to schedule your car dun sa casa kung kailan pwedeng ipasok at kung kelan matatapos. And since ikaw yung 3rd party, you dont need to pay anything, just sign yung release and affidavit..

LOA serves as the PO and as guarantee that the scope of work and the amount payable as agreed upon will be paid for by the insurance company. Terms usually are 30 days. But that doesnt mean you have to wait for 30 days before you can get your car. Yun lang ang terms nila. However, there are some cases in which a casa will demand a check before the release of the car even with the presence of the LOA. Usually nangyayari yan kung hindi accredited yung o kung mayroong hindi magandang track record yung insurance company. Double check mo na rin yan sa casa para siguradong walang hassle.

[alabangbedan]

maraming salamat sir! un affidavit pala saan ko makikita? hihingin ko pa sa insurance para marealase or automatic nasa case na yun pagka fax ng casa?

bukas kukulitin ko ulit sila sa LOA ko.. sana masign na ng boss nilang tukmol! o itigil na nila un alibi nila.. sagabal talaga sa city!

[alabangbedan]

sa wakas may LOA na raw sa honda alabang. let me chekc this monday at maayos na sana

[mackoto]

So i had my claim before with people's general insurance, they released the claim 1 day before the insurance has expired saturday pa last day, kaya buti na lng fri nirelease. 4 mos. pa nilakad para lang mag abot ung expiration ng insurance. Like this thread says; don't buy from them. Madami pa naman jan, sa bank alone madami ng irerefer. Naka terms pa hehe
cheers

[alabangbedan]

bukas ko na pasok sa honda alabang at bukas dun ang expiration ng insurance ng nakabanga sakin. hay asa pa d2 sa peoples na to. ang bagal! buti na lang may LOA na at sana magawa na asap

[derf8666]

Kahit expired naman yung policy walang problema kasi based naman siya kung kailang nangyari yung aksidente, hindi ng repair. Yung mga forms naman like mga affidavit of desistance and release of claims ay ipapapirma sa iyo ng casa at iyon ay iaattach nila sa LOA para ifile sa insurance company para makacollection sila dun. Unless may nakitang additional damage that was caused by the accident, hindi na ang insurance ang dapat mong kausapin kundi yung casa na lang kung kailan matatapos,etc..

[alabangbedan]

salamt sir. nasa casa na oto ko ngayon. hopefully by sat or monday ko na ra w makuha.