Pls Suggest Car Insurance Companies

[radz15]

^ Sir in that case po kung ano yung sinabi ng casa na dapat gawin sa vehicle ninyo (palitan yung mga pang ilalim)yun po yung pwede ninyong i-claim mas valid po kasi ang estimate ng casa kesa sa mga adjuster na nag-inspect ng vehicle..And kung may makikita pa yung casa na dapat i-repair or i-replace sa vehicle ninyo na dapat kasama sa claim, i-notify naman nila ang BPI MS para po i-revise yung LOA para po masama yung mga i-add nila.

Nag re inspect uli yung adjuster. Papalitan na daw yung mga pang ilalim. Imblis na mapabilis yung pag ayos sa sasakyan madedelay pa dahil wait nanaman for another LOA. Haysss.. Anyway are you from BPI MS po miss nhiecah?

[nhiecah_nice29]

Nag re inspect uli yung adjuster. Papalitan na daw yung mga pang ilalim. Imblis na mapabilis yung pag ayos sa sasakyan madedelay pa dahil wait nanaman for another LOA. Haysss.. Anyway are you from BPI MS po miss nhiecah?

Hindi po ako from BPIMS. Pwede nyo naman pong ipasok na sa casa vehicle para po nagagawa na.

[musica]

Hello can anyone help me to which car insurance is the best. I have a toyota vios 2014 1.3J. My current insurance is comonwealth at gusto ko na itong palitan


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[rvdelara]

will send you a quotation sir

Hello can anyone help me to which car insurance is the best. I have a toyota vios 2014 1.3J. My current insurance is comonwealth at gusto ko na itong palitan


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[inge15]

Hello can anyone help me to which car insurance is the best. I have a toyota vios 2014 1.3J. My current insurance is comonwealth at gusto ko na itong palitan


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Para sa akin Prudential Guarantee Assurance ang pinakaBest so far.hehe kasi un palang natry naming insurance e. pero nakapagClaim kami sa flooded car namin, total loss, at reasonable ang binigay nilang offer sir. Tas pag sa BDO ka sir my 0% interest monthly installment pa.

[grand kotse]

Pa quote 2014 toyota altis g compre with AOG. Thanks in advance

[rvdelara]

Pa quote 2014 toyota altis g compre with AOG. Thanks in advance

will send sir

[H1Tman]

Don't get Standard Insurance unless you want to pay P5,000 for participation. God damn it!


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[ninjababez]

bpi ba fixed participation fee, how much? or perecentage based ba sya?

[willyfernando]

I don't know why some of you were charged 5K by Standard Insurance but here are snapshots of my LOA from last year's claim of my Honda Pilot. These LOA's represent only parts of my claim and there were several issued to complete my repairs.






The only reason I could think of being charged that much is probably for cars that are 3 years and above of w/c parts are subject to higher costs based on the fine print of our policy. I did mention in a different thread that this claim was originally 400k but of course I left the haggling between the Casa and Standard Insurance. In the end they gave me all my requests and it only cost a small participation fee of 3K.

[H1Tman]

I don't know why some of you were charged 5K by Standard Insurance but here are snapshots of my LOA from last year's claim of my Honda Pilot. These LOA's represent only parts of my claim and there were several issued to complete my repairs.

The only reason I could think of being charged that much is probably for cars that are 3 years and above of w/c parts are subject to higher costs based on the fine print of our policy. I did mention in a different thread that this claim was originally 400k but of course I left the haggling between the Casa and Standard Insurance. In the end they gave me all my requests and it only cost a small participation fee of 3K.

Toyota Shaw advised that my company car, 2014 Altis, came with free first year insurance. So do I have a choice with my pending claim now?

[nhiecah_nice29]

Toyota Shaw advised that my company car, 2014 Altis, came with free first year insurance. So do I have a choice with my pending claim now?

Because free insurance yung nakuha ninyo, via percentage deductible/participation fee po talaga yung binigay sa inyo kasi mas mura ang premium kapag percentage deductible. Wala na po talaga kayong magagawa kung di bayaran yung P 4500 na hinihingi sa inyo na participation fee.

[H1Tman]

Because free insurance yung nakuha ninyo, via percentage deductible/participation fee po talaga yung binigay sa inyo kasi mas mura ang premium kapag percentage deductible. Wala na po talaga kayong magagawa kung di bayaran yung P 4500 na hinihingi sa inyo na participation fee.

So we should be wary pala of the "free" insurance that we get together with our new cars.

[ninjababez]

bpi ba fixed participation fee, how much? or perecentage based ba sya?

bump lang
bpi kasi free insurance dun sa kukunin ko suzuki swift, thanks

[dr. d]

there's no such thing as free insurance.
someone paid for it, and may have buried the cost somewhere in the payments and premiums, where the car owner will not easily see..
also, the terms of the insurance might not be the same as that of the usual over-the-counter insurance..
read the fine print po.

[willyfernando]

In an ideal world we wish that it were as simple as filing a claim and then the adjuster will just give in, but in reality there will be some kinks to get what you need. I always make it a point to have the backing of my insurance broker (BDOI) when filing a claim. It makes the insuring party cooperate easily with our claims. I always ask for a policy offer before I agree to include them in my package whether new or renewal, free or otherwise. This way I get to understand the fine print of my coverage in the event of a claim. No one is spared of horror stories about failed claims. Some will claim that X company is the best while some will claim their worst with the same insurer. Sometimes it all boils down to how you assert your claim or how less knowledgable you are on insurance matters that people or companies take advantage of your innocence. At this day and age Insurance companies seemed to have matured as the claim processes have improved due to increased business competition. We got to test the waters with Standard Insurance again last September with my wife's Starex CVX 2014. Heres a snapshot of our LOA:




That's 2 successful claims with Standard Insurance in a year's time. I am happy for those who were able to claim successfully with their insurances and saddened whenever someone else did not get what they were hoping for, but this is the real world. The fact that we were able to claim successfully then I believe anyone else can just by asserting their right.

PS. Sorry for the large attachment. Am still a green horn at the forums. If the MODS would kindly accord me the resizing I'd be very grateful. Thank you.

[ninjababez]

there's no such thing as free insurance.
someone paid for it, and may have buried the cost somewhere in the payments and premiums, where the car owner will not easily see..
also, the terms of the insurance might not be the same as that of the usual over-the-counter insurance..
read the fine print po.

reason why im asking is because, if i opt for bpi vs. other banks i would have a lower DP (due to "free" insurance) and lower MA.
compared 3 banks so far and bpi has the lowest dp and ma. pero kung hassle mag claim sa bpi, might skip their offer.

sana meron nakagamit na ng bpi insurance na makasagot.

[nhiecah_nice29]

^ okay naman Sir yung free insurance ng BPI. BPIMS din ako before pero 1 year nga lang, di ako pumayag dun sa 3 years lock-in sa kanila advise na din ng friend ko. Since wala pa akong alam sa insurance before pumayag ako dun sa percentage deductible nila. Nung nag-claim kami, okay naman sila kaya lang 3 weeks na-process yung claim ko.

[ned27]

reason why im asking is because, if i opt for bpi vs. other banks i would have a lower DP (due to "free" insurance) and lower MA.
compared 3 banks so far and bpi has the lowest dp and ma. pero kung hassle mag claim sa bpi, might skip their offer.

sana meron nakagamit na ng bpi insurance na makasagot.

metrobank currently also offers free 1st year insurance - Charter Ping An naman.. then mandatory na second and third year renewal sa kanila. haven't tried claiming yet, but I hope and pray na hindi ako aabot sa pagclaim ng mga ganyan..

[yobma]

I prefer getting insurance from the casa mismo (in house insurance). When you make a claim for repirs, casa insurance normally replace the parts instead of just repairing them. This is specially true for body damage. Other insurance company kasi would just send your vehicle sa mga tabi tabing auto shop para makatipid sila sa repair but the work is normally lousy. In house insurance might be a little more expensive but at least you get better service in return. This has been my experience with the in house insurance of Wheels inc. In e. Rodriguez and other casa.