Insurance Claim

[edricdude]

guys, I was trying to claim insurance, nabangga ko kasi yung bumper ng Kia Sorento ko and it had scratches, eh naasar ako kasi bago. so I tried to claim insurance, passed all the requirements. they even told me mga 4-5k lang daw ang participation. then they called and said the participation was 18k! the may bumper din daw silang available na 17k lang so they suggested me to buy it straight from them. then I said never mind. then they said it still has a discount, it can be lowered to 14k. so naasar ako parang niloloko lang ako, sinabihan ko na lang wag na lang then binabaan ko. I'm going to read the crap stuff written on my insurance thing tignan ko kung ganun talaga. niloloko lang ata nila ako eh. any insight guys? any inputs would be very much appreciated, thanks!

[derf8666]

Sounds like a rip-off to me.. Since sabi mo nga bago lang yung car mo, dapat wala kang participation sa parts. so your only participation will be the deductible. check mo na lang sa policy kung magkano yung deductible mo. You will start paying participation (depreciation expense) on your replaced parts only after 3 years. Then the older your car gets, the bigger will be your share.

[vinj]

the participation fee is supposed to be set already. Usually around 3K thereabouts. Since your car is new, there is no depreciation charged to you for new parts replaced.

[edricdude]

it says din na 3k ang minimum na babayaran, or 1% daw ng reasonable price ng part na yun, so my bumper is 1.8 million? sheesh! i'll talk to them again tomorrow. sarap i-demanda ahhaha!

[derf8666]

hehe.. I think your claim to replace the bumper was actually denied thats why they are telling you to buy it instead if you want to replace it, since scratches lang nga pala..

[migs267]

hehe.. I think your claim to replace the bumper was actually denied thats why they are telling you to buy it instead if you want to replace it, since scratches lang nga pala..

tama si derf8666.. your insurance will deny your claim since scratch lang naman pala yung sa bumper mo hindi damage..

In may case, bago din yung car ko at nabangga din sa bato during parking.. bali tumupi yung driver side bumper ng mga 2 inches paloob.

What I did was, submitted a notarized incedent report under OD sa insurance ko (own damage - covered sya ng policy ko), photo copy ng license at photo ng car kung nasan yung location ng damage. After ma-assess and estimate sa kasa.. yung napalitan sya..

Bali participation lang yung binayad ko... Bago yung car ko so wala pang depreciation cost.

[reactor]

guys, I was trying to claim insurance, nabangga ko kasi yung bumper ng Kia Sorento ko and it had scratches, eh naasar ako kasi bago. so I tried to claim insurance, passed all the requirements. they even told me mga 4-5k lang daw ang participation. then they called and said the participation was 18k! the may bumper din daw silang available na 17k lang so they suggested me to buy it straight from them. then I said never mind. then they said it still has a discount, it can be lowered to 14k. so naasar ako parang niloloko lang ako, sinabihan ko na lang wag na lang then binabaan ko. I'm going to read the crap stuff written on my insurance thing tignan ko kung ganun talaga. niloloko lang ata nila ako eh. any insight guys? any inputs would be very much appreciated, thanks!

normally, mga newer cars ngayon fix na ang participaton (insurance ko ix 3k lang kahit yung 6 y/o 3k din lang give participation fee ko). baka gusto lang magbenta ng dealer mo. pero bihira lang siguro yung dealer na tumutulong sa client kaya ganyan. better check with the insurance directly than thru CASA kasi yung CASA ay agent na ng insurance companies.

kaya ng ako may sarili ako agent / broker na handle ng cars namin. kung ano insurance ng CASA kung saan ko buy yung car yun din ang kinukuha ng agent ko mas mura pa premium kesa sa casa at personalize pa ang service.

[rene_tagle]

normally, mga newer cars ngayon fix na ang participaton (insurance ko ix 3k lang kahit yung 6 y/o 3k din lang give participation fee ko). baka gusto lang magbenta ng dealer mo. pero bihira lang siguro yung dealer na tumutulong sa client kaya ganyan. better check with the insurance directly than thru CASA kasi yung CASA ay agent na ng insurance companies.

kaya ng ako may sarili ako agent / broker na handle ng cars namin. kung ano insurance ng CASA kung saan ko buy yung car yun din ang kinukuha ng agent ko mas mura pa premium kesa sa casa at personalize pa ang service.

+1, dapat kakilala nyo yung broker or agent para fix na 3k lang ang deductible, kung kumuha ka lang kung kani-kanino talagang 1% or 0.5% ng total amount insured ang ibibigay sayo. kaya bago bayaran dapat binubusisi muna ang policy.

[edricdude]

how do i get the contact sa insurance mismo guys?

[james00112233]

+1, dapat kakilala nyo yung broker or agent para fix na 3k lang ang deductible, kung kumuha ka lang kung kani-kanino talagang 1% or 0.5% ng total amount insured ang ibibigay sayo. kaya bago bayaran dapat binubusisi muna ang policy.

masubukan nga ito sa susunod na renewal..

[reactor]

how do i get the contact sa insurance mismo guys?

chec mo sir sa policy mo contact info n insurance mo then try mo direct makipag usap. my experience kasi normally pag sa casa mo kinuha silaang makikipag usap ang masaklap lng madalas maluluto ka kasi negosyo nila at yung casa serve as their "agent". kaya nga ako after a year sa agent ko na lang kinukuha ang insurance ko kasi as what i've said fix sa 3k ang participation ko at yung aget ko ang lumalakad ng claims ko (if ever though once pa lang naman). at yung accredited na insuranc ng casa ay yun din ang kinukuha ko sa agent ko ex: pioneer, standard, malayan, mapfre, etc. mas mababa na ang premium personalize pa ang service

[isfunkee]

Mga sir Ok ba Malayan kasi mag request ako ng claim Own Damage! sumabit sa bakal yung front bumper ko at nabutas sya ano ba kailangan gawin? thanks first timer po

[shadow]

Own damage claiming hinde actually kailngan ng police report pag mga sariling bangga sa pader...affidavit lang pwede na...

If you want them your bumper to be replace by a new one, waraking mo na

Sent from my iPad using Forum Runner

[stickers]

I figured out mas mura kung ipaparepair ko n lang.. 2 scratches sa front rear fender lang naman eh.. mga 2k per panel dito sa talyer.. eh participation ko 3k ata.. mas mapapamahal pa..

thanks sa inputs guys.

[Manilablock]

I figured out mas mura kung ipaparepair ko n lang.. 2 scratches sa front rear fender lang naman eh.. mga 2k per panel dito sa talyer.. eh participation ko 3k ata.. mas mapapamahal pa..

thanks sa inputs guys.

Sir kumusta naman ung sa nabanga mo, diba meron kang TPL (kasabay pag nag paparenew ka ng car), ung pang ospital at gamot ng nabanga mo dun dapat i-claim, tama po ba?

Ung damage po sa motor nya, since hinde mo ipapasok sa compre paano po ang bayad.

[stickers]

Sir kumusta naman ung sa nabanga mo, diba meron kang TPL (kasabay pag nag paparenew ka ng car), ung pang ospital at gamot ng nabanga mo dun dapat i-claim, tama po ba?

Ung damage po sa motor nya, since hinde mo ipapasok sa compre paano po ang bayad.

Ok naman ung nabangga ko, I can't still figure out if nasagi ko sya o sya nakasagi sakin. I was overtaking a Fortuner at my left side, he was at my right side and appeared from nowhere, didn't look at the right side mirror din kasi my mistake.. Nabugbog yung lower thigh nya, nadaganan kc ng motor. I settled everything, binilan ko ng kapalit na headlights, couple of spray paints, then gave money for medicine and labor charges para sa pagawa nung motor. He didn't want to get a hospital check up or x-ray, ayaw nya din kasi maabala. His motorcycle wouldn't start up after the accident so pinark ko sa bldg namin for overnight then hinatid ko sya sa bahay nila and apologized sa mother and wife nya. Gave him pamasahe rin para sa commute kinabukasan wherein sinama nya yung mekanikong kapitbahay nya who cleaned the carburator kasi nalunod sa gas nung tumumba yung motor.

I don't actually know if I can claim on any insurance.. be it TPL or my own compre. Wala kasing police report kasi nga iniwasan na lang namin na maabala pareho at matikitan pa ng obstruction.

[derf8666]

Ok naman ung nabangga ko, I can't still figure out if nasagi ko sya o sya nakasagi sakin. I was overtaking a Fortuner at my left side, he was at my right side and appeared from nowhere, didn't look at the right side mirror din kasi my mistake.. Nabugbog yung lower thigh nya, nadaganan kc ng motor. I settled everything, binilan ko ng kapalit na headlights, couple of spray paints, then gave money for medicine and labor charges para sa pagawa nung motor. He didn't want to get a hospital check up or x-ray, ayaw nya din kasi maabala. His motorcycle wouldn't start up after the accident so pinark ko sa bldg namin for overnight then hinatid ko sya sa bahay nila and apologized sa mother and wife nya. Gave him pamasahe rin para sa commute kinabukasan wherein sinama nya yung mekanikong kapitbahay nya who cleaned the carburator kasi nalunod sa gas nung tumumba yung motor.

I don't actually know if I can claim on any insurance.. be it TPL or my own compre. Wala kasing police report kasi nga iniwasan na lang namin na maabala pareho at matikitan pa ng obstruction.

You could actually claim it against your comprehensive insurance coverage and the TPL for the injury suffered by the driver. Most insurance companies nowadays do accept claims even without police report, especially for minor claims such as this one. Notarized affidavit lang pwede na. Then you could have taken pictures of the accident with your camphone. Their evaluation could be lower though than what you had paid for, but still sayang din yun. Well, thankful na rin that nothing really bad happened.

[mark_t]

Papaano ba sir? First time ko lang kasi na aksidente eh, paano po ba arrangement nun, bale bigla na lang ako mawawalan ng kotse? Pang pasok ko po kasi yun araw araw sa office, bulacan to taguig

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.

[jing182]

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.

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?

[stickers]

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.

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.

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?