Please help with my insurance claim

**macsd** · April 13th, 2016 10:40 AM

Originally Posted by akosieric

Nagpaestimate na ako, masakit sa bulsa ung presyo.

If the estimate is higher than what your participation will be, let the insurance take care of the damage. If the other way around, better do it your self.

**akosieric** · April 13th, 2016 11:18 AM

Originally Posted by macsd

If the estimate is higher than what your participation will be, let the insurance take care of the damage. If the other way around, better do it your self.

Thanks macsd. I'll keep on sending follow ups to BDO.

**akosieric** · April 13th, 2016 05:20 PM

Bkit ganun according to BDOi in order for them to process my claim faster I need to pay the whole premium. Yung napagusapan namin before ay payable ung premium for 12 months and now need ko daw bayaran ng buo. May idea ba kayo kung ano connection nung payment at claim?

**jelcel** · April 13th, 2016 05:33 PM

Originally Posted by akosieric

Bkit ganun according to BDOi in order for them to process my claim faster I need to pay the whole premium. Yung napagusapan namin before ay payable ung premium for 12 months and now need ko daw bayaran ng buo. May idea ba kayo kung ano connection nung payment at claim?

Yup ganyan talaga sir, you need to pay the whole premium. para kasing lumalabas hindi ka pa totally bayad sa kanila so para maprocess you need to pay na your whole premium.

**Stigg ma** · April 13th, 2016 05:39 PM

Originally Posted by akosieric

Bkit ganun according to BDOi in order for them to process my claim faster I need to pay the whole premium. Yung napagusapan namin before ay payable ung premium for 12 months and now need ko daw bayaran ng buo. May idea ba kayo kung ano connection nung payment at claim?

baka kase tumakas ka, naninigurado lang sila na di ka insurance fraud... ka bago bago claim agad (but legitimate accidents do happen), tapos pag napagawa na eh di na babayaran ang monthly at ipahatak din pala ang sasakyan...

tanong ko sayo, nasa contract ba yan 12 months insurance payment installment mo or verbal lang?

kung nasa contract, panalo ka, kung verbal talo ka... basahin mo yong contract, wag mo sabihin wala ka, kase di pwede yon...

ano ba nasira o nabanga mo? at magkano ang damage? masyado ka dependent sa insurance, di ka patatakasin yan next year, at sa susunod di bababa insurance premium mo vs depreciation (o hindi ka makaka hingi ng discount) kase na tag ka na as high risk

**akosieric** · April 13th, 2016 05:42 PM

Originally Posted by jelcel

Yup ganyan talaga sir, you need to pay the whole premium. para kasing lumalabas hindi ka pa totally bayad sa kanila so para maprocess you need to pay na your whole premium.

I see. Bkit kaya hindi agad sinabi sakin yan pinatagal pa nilang umabot ng 1 week, I keep on asking kung anong kulang or ano ba pwede ko gawin hindi naman nila binanggit yan. Anyway thanks jelcel. I will pay the whole premium a soon as possible para wala na reason para tumagal.

**akosieric** · April 13th, 2016 05:50 PM

Originally Posted by Stigg ma

baka kase tumakas ka, naninigurado lang sila na di ka insurance fraud... ka bago bago claim agad (but legitimate accidents do happen), tapos pag napagawa na eh di na babayaran ang monthly at ipahatak din pala ang sasakyan...

tanong ko sayo, nasa contract ba yan 12 months insurance payment installment mo or verbal lang?

kung nasa contract, panalo ka, kung verbal talo ka... basahin mo yong contract, wag mo sabihin wala ka, kase di pwede yon...

ano ba nasira o nabanga mo? at magkano ang damage? masyado ka dependent sa insurance, di ka patatakasin yan next year, at sa susunod di bababa insurance premium mo vs depreciation (o hindi ka makaka hingi ng discount) kase na tag ka na as high risk

Thanks sa reply Stigg ma. More than 60k kasi ung estimation. Nasira ung quarter panel, tail light and bumper. Hindi ko naman ginusto na sirain ung car. Pano mawawala ung label sakin na high risk? And what do you mean na hindi patatakasin dba depende naman un kung magrerenew?

**jelcel** · April 13th, 2016 05:57 PM

Originally Posted by akosieric

I see. Bkit kaya hindi agad sinabi sakin yan pinatagal pa nilang umabot ng 1 week, I keep on asking kung anong kulang or ano ba pwede ko gawin hindi naman nila binanggit yan. Anyway thanks jelcel. I will pay the whole premium a soon as possible para wala na reason para tumagal.

You dont have to worry because as already mention by the others, automatic my insurance yan sasakyan lalo na at under bank financing yun unit mo. Sa casa ba na pinag seservicean mo ng kotse mo? wala sila representative ng mga insurance dun?. yun sa akin kasi dati sa toyota manila bay, may mga partner insurance sila dun at may representative un mga partnered insurance nila so less hassle on my part kasi pag kadala ko sa casa, estimate nila then process agad kasi andun naman un representative nung sa insurance. All you have to do is pakita mo un insurance policy mo then police report, xerox ng drivers liscence then pprocess nila.. iwan mo na sasakyan mo. sa aken tumagal ng 3 days, un sa likod ang tinamaan.

**akosieric** · April 13th, 2016 06:01 PM

Originally Posted by jelcel

You dont have to worry because as already mention by the others, automatic my insurance yan sasakyan lalo na at under bank financing yun unit mo. Sa casa ba na pinag seservicean mo ng kotse mo? wala sila representative ng mga insurance dun?. yun sa akin kasi dati sa toyota manila bay, may mga partner insurance sila dun at may representative un mga partnered insurance nila so less hassle on my part kasi pag kadala ko sa casa, estimate nila then process agad kasi andun naman un representative nung sa insurance. All you have to do is pakita mo un insurance policy mo then police report, xerox ng drivers liscence then pprocess nila.. iwan mo na sasakyan mo. sa aken tumagal ng 3 days, un sa likod ang tinamaan.

Dati naisip ko na sa casa nlng ako kukuha ng insurance kasi based sa reviews less hassle pag ganun. Kaya lang nung ngpaquote ako mas mahal kesa sa mga bank or direct from insurance. Kaya ayun sa BDOi ang bagsak ko dahil binigyan ako ng discount at mas mura kesa sa CASA. Ang bilis naman ng 3 days. Nakakainggit. Sana hindi ko nlng inisip ung 6-7k na difference.

**Stigg ma** · April 13th, 2016 06:51 PM

Originally Posted by akosieric

Thanks sa reply Stigg ma. More than 60k kasi ung estimation. Nasira ung quarter panel, tail light and bumper. Hindi ko naman ginusto na sirain ung car. Pano mawawala ung label sakin na high risk? And what do you mean na hindi patatakasin dba depende naman un kung magrerenew?

60k! eh kaya naman pala gusto nila na full payment ka muna kase lake ng loss nila sa iyo... i understand di natin ginusto ang accident, learn from your mistake na lang... high risk profile ka na, 2016 na ngayon at computerize na tayo, kahit saan insurance company mo lipat yan alam nila na aksidente na iyong tsikot mo...