Help paano gawin sa insurance.

[Sayu]

Nagasgas 5 day old ko Honda City dahil na gasgas sa gate namin. Paano po pagpapagawa nito and ano sasabihin sa casa para ipaayos? May babayaran ba ako dito or bahala na casa since kumuha naman ako ng insurance sa Honda?

[shadow]

Claim under OD sa insurance. Magbabayad ka ng participation kung magkano sa policy mo.


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[Sayu]

Claim under OD sa insurance. Magbabayad ka ng participation kung magkano sa policy mo.


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OK thanks. Wala pa kasi ibinibigay na insurance policy(papers?) sakin kaya wala ako idea dito.

[pongscript]

Mag papasa ka na ng own cause affidavit(not sure exact term), then followup mo yung policy mo, but pwede mo na yan at the same time mag file for insurance. Contact mo yung agent mo, but if di magaling agent mo, pahirapan yung claim, binangga ako last july,gagamitin namin insurance nung nakabangga, and narealize ko na wala pa pala sakin yung policy. So tinawagan ko yung agent ko. Kinontact din ako ng insurance ng nakabangga sakin, then inispect. then last 2 weeks lang lumabas yung LOA. Make sure na yung insurance inspector ang papuntahin mo to check and record the damage , then wait for LOA, instead na ipasok mo agad sa casa, but have it assessed sa casa(requirement ng insurance) muna pero wag mo muna iwan, kasi matagal tagal din yan.. Antayin mo yung Release ng LOA, para di ka magaantay ng matagal at mawawalan ka ng kotse ng matagal.. Yun lang .. sana makatulong


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[Sayu]

Mag papasa ka na ng own cause affidavit(not sure exact term), then followup mo yung policy mo, but pwede mo na yan at the same time mag file for insurance. Contact mo yung agent mo, but if di magaling agent mo, pahirapan yung claim, binangga ako last july,gagamitin namin insurance nung nakabangga, and narealize ko na wala pa pala sakin yung policy. So tinawagan ko yung agent ko. Kinontact din ako ng insurance ng nakabangga sakin, then inispect. then last 2 weeks lang lumabas yung LOA. Make sure na yung insurance inspector ang papuntahin mo to check and record the damage , then wait for LOA, instead na ipasok mo agad sa casa, but have it assessed sa casa(requirement ng insurance) muna pero wag mo muna iwan, kasi matagal tagal din yan.. Antayin mo yung Release ng LOA, para di ka magaantay ng matagal at mawawalan ka ng kotse ng matagal.. Yun lang .. sana makatulong


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Ako ba mismo gagawa ng affidavit or pwedeng yung casa na gagawa?

[confused shoes]

Kung gasgas lang, ipagawa mo na sa labas. Kung idadaan mo pa ng casa, insurance, affidavit, etc... aabutin ka pa ng syam syam. Worst is, baka dudumihan ang auto mo.

[Sayu]

Kung gasgas lang, ipagawa mo na sa labas. Kung idadaan mo pa ng casa, insurance, affidavit, etc... aabutin ka pa ng syam syam. Worst is, baka dudumihan ang auto mo.

SOrry sa medyo newbie stupid question.... Saan pinapagawa ang mga ganito na gasgas?

[dr. d]

SOrry sa medyo newbie stupid question.... Saan pinapagawa ang mga ganito na gasgas?

very good question, sir!
may veteran drivers, me included, have forgotten that, at one time, we also pondered this very same question.

alas, i can not help you. all my remember-able repaint jobs have been c/o the casa.
and the ones before that... the shops near our neighborhood have but closed down... nag-saudi sila..

i'll ask around, and PM you what i find out.

[krau55]

Pwede mo rin paestimate muna sa labas. Pag di malalim gasgas at kaya ayusin ng mas mura sa participation fee, sa labas mo na pagawa. Tumatagal lg sa insurance kesa sa actual na pagawa. Expect 2 weeks processing ng LOA ng insurance.


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[_Cathy_]

How much is your participation?

Ask your casa if they have spot repair. In Toyota they have it for P2500.

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[Sayu]

Wala pang binigay na insurance policy.

[dr. d]

Wala pang binigay na insurance policy.

well, go get one!
tell them, "sirs, na-bangga kotse ko. i need to know what i have to do".

[Stigg ma]

Nagasgas 5 day old ko Honda City dahil na gasgas sa gate namin. Paano po pagpapagawa nito and ano sasabihin sa casa para ipaayos? May babayaran ba ako dito or bahala na casa since kumuha naman ako ng insurance sa Honda?

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...

[zoomzoom]

yaman inhouse ang insurance!

Comment lang ako dito, kahit medyo OT.

I actually had the chance to compare premiums with in-house and direct insurance, and nagulat ako di naman magkalayo ang babayaran. Barya lang, ika nga, ang diperensiya. But then I'm talking about a 4 year old car.

But yes, in general, pag sa Casa mo kinuha insurance, mas mahal ng malaki, lalo na sa first year at required nila na sa kanila mo kunin ang insurance, tatagain ka talaga.

Lesson: always compare, malay mo swertihin ka in-house na affordable makuha mo.

BTT: *TS, kun ako yan, pabayaan ko lang yan gasgas na yan. Not worth the downtime to have it fixed, IMO.

[Sayu]

Matagal ba gagawin to? Mga ilang days pag gawa?

[dr. d]

Matagal ba gagawin to? Mga ilang days pag gawa?

3 days. kung gugustuhing gawin.

[Sayu]

Paano ba gumawa ng affidavit dahil ko pa nasubukan gumawa? Pwede ba humingi ng sample mga sir/mam?

[dr. d]

Paano ba gumawa ng affidavit dahil ko pa nasubukan gumawa? Pwede ba humingi ng sample mga sir/mam?

you can ask your casa insurance guy, po.
or you can approach a notary public to make one. for a fee, of course.

it's just a narration of what happened, po. then the necessary usual notary lyrics.
maraming templates for download in the internet.

[cast_no_shadow]

Paano ba gumawa ng affidavit dahil ko pa nasubukan gumawa? Pwede ba humingi ng sample mga sir/mam?

1. Google is your friend

2. Look for a notary public, tell them you need one. Provide lang the details and sila na gagawa sayo

3. Inhouse ka pala, punta na sa insurance section ng casa. Ask for your policy, tell them mag claim ka na. Dun mismo magagawan ka nila ng affidavit mo.

Minor lang naman yan ipagawa mo agad? Baka kaya pa sa rubbing?

Kung ilan araw depende yan, if pila ba sa gawa, if masipag ang casa, if makulit ka, if may kakilala ka.


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[zoomzoom]

Paano ba gumawa ng affidavit dahil ko pa nasubukan gumawa? Pwede ba humingi ng sample mga sir/mam?

Sample affidavit, just fill up and have it notarized:

REPUBLIC OF THE PHILIPPINES..)
) S.S.

DRIVER’S AFFIDAVIT

I, ________________ (driver’s name), of legal age, Filipino, ____________________ (single/married) and with residence address at ______________________________ (driver’s address), after having been duly sworn to according to law, depose and say:

That on _______________ (date) at about __________ (time) I was driving a motor vehicle described as follows:

MAKE/MODEL:
TYPE:
MOTOR NO:
SERIAL NO:
PLATE NO:
REGISTERED OWNER:

That while I was driving the above mentioned vehicle, a vehicular accident occurred in the following manner:

(narration of how accident happened)

That I have executed this affidavit to state the facts under oath, and to comply with the claim requirements of the insurance company under which the above-mentioned vehicle is covered.

IN WITNESS WHEREOF, I have hereunto affixed my signature on this _______________ (date of signature).


_______________
Affiant (name)


SUBSCRIBED AND SWORN to before me this _____ day of ___________________, at ____________________, M.M. affiant exhibiting to me his competent proof of identification __________________________.



DOC NO. __________
PAGE NO. _________
BOOK NO._________
SERIES NO. ________