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  1. Join Date
    Mar 2012
    Posts
    1,945
    #31
    Quote Originally Posted by mark_t View Post
    It is not complicated, total loss claims happens regularly. That is why insurance companies
    buy reinsurance. Kahit sila na insurance company ay bumibili ng reinsurance para may pambayad.
    Hintayin mo Lang na bayaran nila ang bank then kuha ka ng bagong car.

    Hanap ka na ng bagong kotse and move on.
    Quote Originally Posted by mark_t View Post
    Cars are specifically insured to pay off your car loan in case of total loss of vehicle.
    His car is a mortgaged unit therefore insured.
    Quote Originally Posted by jing182 View Post
    Pasensya na po kung makulit ako, medyo mahirap kasi intindihin, so tama po ba sir retz na insirance ng nakabangga ang gagamitin? Tapos paano naman po yun pang down ng sa bagong kotse kukunin ko? Wala na po bang pananagutan yun nakabangga sakin?
    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?

  2. Join Date
    Mar 2005
    Posts
    34
    #32
    Yun 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.

  3. Join Date
    Oct 2007
    Posts
    1,324
    #33
    Quote Originally Posted by jing182 View Post
    Pasensya na po kung makulit ako, medyo mahirap kasi intindihin, so tama po ba sir retz na insirance ng nakabangga ang gagamitin? Tapos paano naman po yun pang down ng sa bagong kotse kukunin ko? Wala na po bang pananagutan yun nakabangga sakin?
    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.

  4. Join Date
    Mar 2012
    Posts
    1,945
    #34
    Quote Originally Posted by mark_t View Post
    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.
    So the insurance pays off the bank upon total loss declaration and the third party involved should also indemnify you for the DP and 2 years MA you paid for the car. Tama ba sir?

  5. Join Date
    Mar 2005
    Posts
    34
    #35
    Ah 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.

  6. Join Date
    Oct 2007
    Posts
    1,324
    #36
    Quote Originally Posted by stickers View Post
    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?
    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.

  7. Join Date
    Mar 2005
    Posts
    34
    #37
    Quote Originally Posted by mark_t View Post
    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.

    Pasensya na po sir, pero di po ganun kadali sakin yun, yun insured amount ko eh enough to payoff the loan ang matitira eh enough lang pang bili ng ipad mini 16gb, so obviously kulang pang down sa bagong auto kung di po mag bibigay yun nakabangga sakin eh.

  8. Join Date
    Oct 2007
    Posts
    1,324
    #38
    Quote Originally Posted by stickers View Post
    So the insurance pays off the bank upon total loss declaration and the third party involved should also indemnify you for the DP and 2 years MA you paid for the car. Tama ba sir?
    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.

  9. Join Date
    Oct 2007
    Posts
    1,324
    #39
    Quote Originally Posted by jing182 View Post
    Pasensya na po sir, pero di po ganun kadali sakin yun, yun insured amount ko eh enough to payoff the loan ang matitira eh enough lang pang bili ng ipad mini 16gb, so obviously kulang pang down sa bagong auto kung di po mag bibigay yun nakabangga sakin eh.
    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.

  10. Join Date
    Mar 2005
    Posts
    34
    #40
    Quote Originally Posted by mark_t View Post
    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.
    Very well.....

    Insured amount = 367,000
    Outstanding balance loan = 384,302
    Payoff amount = 334,086.68
    Monthly payment of 11,303

    Kung di pa po sapat yan, i post ko yun screen shoot ko sa bpiexpress at scan copy ng insurance policy

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