Help paano gawin sa insurance.

[Sayu]

yaman inhouse ang insurance! cash mo ba binili yan tsikot mo or via loan? (para ma laman natin kung ano klase insurance yan)

syempre me babayaran ka na participation fee para sa claim mo sa insurance...

pero seriously konti gasgas ipapasok agad sa insurance? di pa kakalawangin yan, konti rubbing compound and buffing lang yan...

Cash ko nakuha yung car.

[XTO]

sa labas mo na pagawa, mga 3 days lang. sa casa abutin ka weeks. same lapit lang sa participation gastos mo.


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[dr. d]

sa labas mo na pagawa, mga 3 days lang. sa casa abutin ka weeks. same lapit lang sa participation gastos mo.


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hindi naman lagi.
nakapag-pagawa na ako sa casa via in-house insurance. 3-4 days lang.
chempo chempo lang.

addendum: nakapag-pagawa na rin ako ng hilamos. in-house insurance din. 3 weeks. wrong timing. nag-bakasyon kasi insurance guy ko, e.

[XTO]

hindi naman lagi.
nakapag-pagawa na ako sa casa via in-house insurance. 3-4 days lang.
chempo chempo lang.

siguro nga. lalo ngayon maulan.


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[_Cathy_]

Sino ba agent mo sa insurance? They have a template that they should provide you.

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[_Cathy_]

I claimed for insurance for the first time in my entire life last July.

I think you need to find out first if it is cheaper to have the damage done outside than the participation. If it's cheaper outside it makes more sense not to claim anymore

Another option is to wait it out because there is a possibility that you will get morr scratches, pag marami na saka mo ipagawa.

If you decide to claim e go to the insurance department of the casa. You will sign an affidavit for own damage. In my case it was casa who had it notarized but the fee was P300. Then you need to provide a photocopy of your policy and driver's license. You then wait for the advise of the casa when the LOA is approved. Pag approved na ipasok mo na auto mo. You pay for participation when you claim the car.

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[dr. d]

I claimed for insurance for the first time in my entire life last July.

I think you need to find out first if it is cheaper to have the damage done outside than the participation. If it's cheaper outside it makes more sense not to claim anymore

Another option is to wait it out because there is a possibility that you will get morr scratches, pag marami na saka mo ipagawa.

If you decide to claim e go to the insurance department of the casa. You will sign an affidavit for own damage. In my case it was casa who had it notarized but the fee was P300. Then you need to provide a photocopy of your policy and driver's license. You then wait for the advise of the casa when the LOA is approved. Pag approved na ipasok mo na auto mo. You pay for participation when you claim the car.

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hinoldap ako!!! 500 kesos ang hiningi sakin!
heh heh.

but ok lang. i like the "here's the keys. call me when the car is ready to be driven home" type of service from in-house insurance.
hassle-free talaga.

[cast_no_shadow]

*papi

Cash payment si TS.

Probably not free and paid his insurance?

Another observation, sa office lang lahat ng newbie owners ganyan din naman kahit may copy na ng policy magtatanong pa din ng lahat ng maitatanong.

Even the participation itatanong sa iba hehe

Learning curve talaga.

As dr d said, majority of car owners pinagdaanan yan.


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[_Cathy_]

This is what the forum is for. We all have different cases when claiming for insurance naman. I got a lot of help here when I claimed for the first time. And I've been driving for over a decade.

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[Sayu]

Ok I think wait muna ako ilang days before ko ipagawa sa casa or sa labas. Naiilang lang talaga ako scratches niya pero kaya ko naman ignore basta wag lang mapansin ng mom ko yung gasgas sa car.

Kapag after few months ba nagasgasan ulit car sa ibang part ng car ay pwede pa ipaayos lahat ng gasgas gamit insurance?

[dr. d]

Ok I think wait muna ako ilang days before ko ipagawa sa casa or sa labas. Naiilang lang talaga ako scratches niya pero kaya ko naman ignore basta wag lang mapansin ng mom ko yung gasgas sa car.

Kapag after few months ba nagasgasan ulit car sa ibang part ng car ay pwede pa ipaayos lahat ng gasgas gamit insurance?

ang alam ko, ay per event po ang kuwentahan yata. right me if i am wrong, guys.
baka hindi pumayag na isang kuwentahan lang ang dalawa o marami pang iyan.

but as always, nothing is written in stone. a lot still depends on goodwill and friendship.

[papi smith]

Ok I think wait muna ako ilang days before ko ipagawa sa casa or sa labas. Naiilang lang talaga ako scratches niya pero kaya ko naman ignore basta wag lang mapansin ng mom ko yung gasgas sa car.

Kapag after few months ba nagasgasan ulit car sa ibang part ng car ay pwede pa ipaayos lahat ng gasgas gamit insurance?

Nangyari na sa akin ito, hindi ko pinagawa agad yung tama sa left fender ko, akalain ko ba na after 2 months nadisgraya ulit ako on the same side, ayun isang claim, isang participation fee lang

[cast_no_shadow]

This is what the forum is for. We all have different cases when claiming for insurance naman. I got a lot of help here when I claimed for the first time. And I've been driving for over a decade.

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Yep every experience is a learning, glad for tsikot magbasa ka lang may matututunan ka na.

Like this year I learned that you need to file or i form your insurance that you got involved on an incident. Claim will be denied if late reporting ka. Like mine i filed a claim after ilang months ayun denied.

Its not about coverage daw, late reporting is deemed denied.

At TS per incident ang claim, ipanalangin mo (huwag naman sana) na next damage mo eh same panels involved lang. Sa repair it will be covered since isang panel lang siya.

My bumper got damaged makaibang sides, magkaibang incidents.

Eh for replacement na ayun no bearing if 2 different incidents. Isang claim na lang ginawa ko.


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[Sayu]

Yep every experience is a learning, glad for tsikot magbasa ka lang may matututunan ka na.

Like this year I learned that you need to file or i form your insurance that you got involved on an incident. Claim will be denied if late reporting ka. Like mine i filed a claim after ilang months ayun denied.

Its not about coverage daw, late reporting is deemed denied.

At TS per incident ang claim, ipanalangin mo (huwag naman sana) na next damage mo eh same panels involved lang. Sa repair it will be covered since isang panel lang siya.

My bumper got damaged makaibang sides, magkaibang incidents.

Eh for replacement na ayun no bearing if 2 different incidents. Isang claim na lang ginawa ko.


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Kung ikaw ay ako, ipapagawa mo na ba sa casa yung sakin?

[dr. d]

Kung ikaw ay ako, ipapagawa mo na ba sa casa yung sakin?

tanungin mo ako, sir.
ang sagot ko ay, "binayaran mo yang insurance, gamitin mo. wala namang limit kung ilang beses puede gamitin sa isang taon, e. basta lang huwag lalampas sa quoted limit na nakasaad sa kuntrata".

[Sayu]

tanungin mo ako, sir.
ang sagot ko ay, "binayaran mo yang insurance, gamitin mo. wala namang limit kung ilang beses puede gamitin sa isang taon, e. basta lang huwag lalampas sa quoted limit na nakasaad sa kuntrata".

Salamat dr. d. KUng next ko ba to ipagagawa ay walang magiging problem sa car or affidavit? Kelangan kasi gamitin yung car this saturday.

[cast_no_shadow]

Kung ikaw ay ako, ipapagawa mo na ba sa casa yung sakin?

Pili ka:


Kaya mo na ba mawalay sa piling mo yung City?

O kaya mo makita yung gasgas daily?
Makaka move on ka din Bigyan mo ng ilang araw/weeks.

Ako kase nag ipon muna ng damage, then file ng multiple claim.

Hehe



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[Sayu]

Pili ka:


Kaya mo na ba mawalay sa piling mo yung City?

O kaya mo makita yung gasgas daily?
Makaka move on ka din Bigyan mo ng ilang araw/weeks.

Ako kase nag ipon muna ng damage, then file ng multiple claim.

Hehe



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Mga ilang araw ba gagawin to halimbawa kung sa labas ko nalang ipagawa?

[confused shoes]

Kung ikaw ay ako, ipapagawa mo na ba sa casa yung sakin?

Magpa quote ka sa mga autoshops then compare. Kung gasgas lang, baka mas mura magpagawa sa labas kesa participation fee ng insurance. Kung sa casa (insurance), makakailang balik ka para maayos. Kung sa mga shops, pwede mo nang hintayin.

To give you an idea.

Meron akong naatrasan, sabi ko magpunta ka sa shop at magpa quote ka. Binigyan ko ng P2000 about 2 years back. After 3 days tumawag sa akin. Ibinabalik ang P200 kasi P1800 lang daw siningil.

Lately, isang kakila, Ford Everest 2016. Nadali ng trak ang side mirror. Quote ng casa, P25K. Participation nya P15K. Ang ibinigay ng truck driver ay P2K. Di ko lang alam kung ano ang insurance company nya.

Last month, nasabitan ng jeepney ang nguso ng aking sasakyan. Mga papalitan ay front bumpers 2x, foglamps x1, headlamps x1. Total: P140K+. Participation P11K+ Ford in-house ang insurance. Next next month pa daw gagawin at madami pang nakapila! Ok lang, nagagamit naman.

[_Cathy_]

It's per event pero ang casa buo naman gumawa diba?

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