Results 31 to 40 of 104
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April 10th, 2013 10:31 AM #31
medyo nalito na rin ako... kapag total loss the insurance pays off your loan balance sa bank and you are left with nothing?
di ba ang logical and fair eh the insurance replaces your unit with a new one (less depreciation or assured value difference which you might shoulder) and your loan should continue?
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April 10th, 2013 12:45 PM #32Yun nga po ang gusto kong malaman mga bossings, yun insurance ko ang mag payoff sa kotse pag na declare na total wreck, tapos yun insurance ng nakabangga sakin eh atleast bayaran ako sa mga nahulog of course minus the depreciation o percentage ng nahulog ko.
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April 10th, 2013 05:56 PM #33
Mali po ang sinasabi niya.
Ano po ba ang kailangan ninyo na panagutin sa nakabangga sa inyo?
Nasaktan ba kayo o nalugi? Ano ang kailangan ipanagot sa kanya?
Hindi pa po kayo fully paid sa bank therefore ang bank pa ang owner, mayroon lang po
Kayo na limited interest. I limit ninyo sa dalawang taon na nabayaran at nagamit ninyo ang
Car po kung maari.
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April 10th, 2013 06:01 PM #34
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April 10th, 2013 08:13 PM #35Ah ok tama yun bpi pa ang owner, bali yun nanyari sakin nagka fracture ako sa right shoulder, anyways mas manganda cguro kung ikwento ko yun aksidente.
Pauwi na po ako from taguig 3pm to 12am ang pasok ko EMEA shift, traffic po sa NLEX kasi may tumaob na bus, naka full stop po ako sa overtaking lane, nang nakita ko sa rear view mirror ko na mabilis na kotse kutob ko mga 80 to 100 kmph ang takbo nya so pumikit na lang ako hoping na may marinig akong screech ng tires kaso wala ang marinig ko lang eh bumangga na lang sya sakin, sa lakas po ng impact tinamaan ko yun nasa harapan ko tapos nag side swipe pa sya dun sa harapan ng kotse, nag block out po ako ng ilang segundo tapos nagising ako sa sakit ng kanan balikat, pati sapatos ko natanggal, hinanap ko yun sapatos at salamin ko at dali dali ko pinuntahan yun naka bangga sakin, nakita ko umuusok pa yun airbag nya, sabi ko sa kanya "ano ba ang pinaggagawa mo!" Walang nasabi yun naka bangga kundi sorry lang at panay txt.
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April 11th, 2013 09:04 AM #36
May sukli naman kayo sa loan ninyo. Ask for a SOA of your loan to get the balance that you will receive.
Move on, mag window shopping ka na ng next car ninyo, hindi puede atras abante. Isipin mo nakatulong
Kayo sa economy with your new purchase.
Your loan should not continue as the object of your loan was destroyed. And insured.
Take a new loan.
Ayaw mo ba noon, bago na uli kotse mo with new warranties? Isipin mo
na lang na maswerte ka you are not stuck with a wrecked car in your garage.
Sabihin mo na lang sa asawa mo na honey may bago na tayo kotse!hehe
Nagiging magulo lang ang isip pag dating sa kotse.
Isipin mo na lang na bahay mo nasunog. Diba mag umpisa ka uli ng walang masyado ligoy ligoy pa?
You clear up the lot and build again. Ganoon ang concept.
You always start a painting with a clean cloth.Last edited by mark_t; April 11th, 2013 at 09:18 AM.
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April 11th, 2013 09:25 AM #37
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April 11th, 2013 09:29 AM #38
The insurance pays off your loan.
The bank will offer a new loan. Be careful as you will get the same rate that you got.
Be aggressive on asking for a better rate. Dapat kahit itapat ka sa ***y, pag aralan mo
Ang next loan mo.
Walang pakialam insurance sa downpayment and MA.
Hindi kasama yon sa usapan. The contract is to settle at fair market value.
Yon worth ng car lang at the time of loss.
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April 11th, 2013 09:35 AM #39
obviously mahal ang ipad mo.
Pambihira ka naman, sige nga e convince mo kami. Give us the numbers.
Post your insurance policy, down payment, MA, and loan rate.
You said you fractured your shoulder, you have to file that claim on your policy.
There is a rider on that policy that would allow you to file for medical if not deleted.
Check your policy.Last edited by mark_t; April 11th, 2013 at 09:46 AM.
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April 11th, 2013 09:42 AM #40
Kwento ng katrabaho ko, meron daw sya officemate dati na Italiano na tinanong daw bakit...
Traffic!