insurance claim questions

**roronoazorro** · September 17th, 2015 02:44 PM

hi Guys, question lang. nabangga ko yung bumber ko sa parking namin. may minor dent yung gilid ng bumper at minor scratches. may comprehensive insurance naman yung kotse. ask ko lang if need ko pa ba icover sa insurance yung repair or wag na. participation fee ko is 4K and nung pinaestimate ko sa auto repair shop 2,500 lang.

**_Qwerty_** · September 17th, 2015 02:49 PM

kung maayos naman ang gawa nang shop.. eh di don ka na sa 2500

**basucat** · September 19th, 2015 11:56 AM

Originally Posted by roronoazorro

hi Guys, question lang. nabangga ko yung bumber ko sa parking namin. may minor dent yung gilid ng bumper at minor scratches. may comprehensive insurance naman yung kotse. ask ko lang if need ko pa ba icover sa insurance yung repair or wag na. participation fee ko is 4K and nung pinaestimate ko sa auto repair shop 2,500 lang.

Pagawa mo na lang sa auto repair shop na mahusay magpinta since pag sa casa, bayad ka ng 4K bago ang insurance magbayad. Kung dent lang and scratches, kaya i-repair yan, you save 1500. Most plastic bumpers are repairable basta walang malaking butas.

**dr. d** · September 19th, 2015 12:02 PM

[quote=roronoazorro;2607413]hi Guys, question lang. nabangga ko yung bumber ko sa parking namin. may minor dent yung gilid ng bumper at

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Originally Posted by roronoazorro

hi Guys, question lang. nabangga ko yung bumber ko sa parking namin. may minor dent yung gilid ng bumper at minor scratches. may comprehensive insurance naman yung kotse. ask ko lang if need ko pa ba icover sa insurance yung repair or wag na. participation fee ko is 4K and nung pinaestimate ko sa auto repair shop 2,500 lang.

bumpers today are plastic/rubber. they do not rust. that means, it is forgiving, even if pintor is "not concours quality".
i would probably have the neighborhood pintor have a shot at it. no waiting na, fast work pa. 2-3K siguro..
you can probably have that finished in 2 days.
sa casa.. 4-7 days siguro..
btw... some casas outsource some jobs, like paintjob and collision repair...

**roronoazorro** · September 24th, 2015 12:14 PM

Thanks sa advice _qwerty_, basucat and dr.d. Ok na kotse ko. Maayos naman pagkakagawa, parang bago na ulit. natawaran ko pa ng 2k yung repair at yung paint. 2 days lang nagawa na.

**roronoazorro** · September 24th, 2015 12:23 PM

Thanks sa advice _qwerty_, basucat and dr.d. Ok na kotse ko. Maayos naman pagkakagawa, parang bago na ulit. natawaran ko pa ng 2k yung repair at yung paint. 2 days lang nagawa na.

**radz15** · September 24th, 2015 02:01 PM

Need advice. Ano po bang ok na Insurance company pero hindi kamahalan?

**SkyFlakes88** · September 24th, 2015 02:08 PM

Cibeles po yun insurer ko sir more than 10yrs na so far wala po akong problema sa claims. Mabilis naman basta kumpleto sa requirements. Fastest i got was 2days approval. Broken windshield. Ako na nagpagawa sa aguila refunded within the week din.

**thedorkknight** · October 18th, 2015 12:57 PM

Question: nabangga kasi ako ng another car. Assessment from the casa for total repair was 151k. Dumating yung assessment ng insurance na ang amount lang ay 56k. And then confused lang ako bakit Own Damage ang nature of claim samantalang complete kami ng police report clearly stating the other party was at fault. What to do? Ang laki kasi ng difference ng assessment nila baka maapektuhan yung performance nung kotse. Salamat!