Pls Suggest Car Insurance Companies

[nhiecah_nice29]

Bakit sa ibang insurance companies hindi nag q-quote ng AOG?

Baka po Sir depende sa area.

[Retz]

^

Madam, what do you mean na depende sa area? kung flood prone? I was thinking baka sa age ng vehicle? may kinalaman ba doon.

[nhiecah_nice29]

^

Madam, what do you mean na depende sa area? kung flood prone? I was thinking baka sa age ng vehicle? may kinalaman ba doon.

Sa Mapfre po kasi nagquote pa din ng AOG kahit na lagpas na sa 8 years old ang vehicle, pero kung flood prone yung area tumatangap pa din naman po pero may restrictions. Im not sure lang po sa insurance company nyo, why dont you ask them po?

[derf8666]

Age of the car is a factor. Many insurance companies set a limit on the age of the vehicle as a factor in the acceptability of the risk. Residence of the insured is also a factor, but not as much as the age of the car.

[Retz]

^

cge, I'll ask them..... actually sa ibang insurance company un, nagtataka ako bakit hindi kasama aog sa kanila. anyway, could you give me a quotation? i'll pm you car details

[derf8666]

do you still avail of compehensive insurance to your vehicle more than 10yrs of age?

As long as you are using your car, it is best that you get a comprehensive insurance. You never know what can happen on the road. For such a small fraction of the cost, you get peace of mind. Do not scrimp on the cost. And do not mind too if you didnt meet any accident while you are insured. Just think that you are helping other unit owners. Insurance works like a cooperative in a sense.

[Retz]

Age of the car is a factor. Many insurance companies set a limit on the age of the vehicle as a factor in the acceptability of the risk. Residence of the insured is also a factor, but not as much as the age of the car.

un na nga sir iniisip ko baka sa age of the car.

[nhiecah_nice29]

Buenas Tardes Tsikoteros! Especially those MAPFRE Clients, Join this one and get a chance to win! Be safe and protected!

[rvdelara]

un na nga sir iniisip ko baka sa age of the car.

for vehicles more than 8 years old sir subject for approval sila kasi may factors na you have to consider like yung availability ng original parts ng car lalo na for old models, baka mahirap na maghanap. That's why for older vehicles po may additional requirements lang (such as pictures) para makapag avail ng insurance with AOG pero yun nga po pwede pa din.

[mark_t]

Kung ayaw mag cover ng AOG ay bakit? Location? Eh buong city kung mag baha.
Huwag kayo kukuha doon.

[derf8666]

Well each company and their underwriting department have their own reasons on why or why not to accept certain risks. Maybe they have had poor claim history on a particular type of risk. Before when I was just starting (years years ago actually about 2 decades ago hehe) kailangan ko pang ipaaaprove certain risk sa insurance company na hawak ko. It took too much time and effort tapos may utang na loob ka pa sa manager. Thats why i decided to get other companies to represent, since we are allowed naman to carry several companies. So now pag ayaw ng isa, then ibibigay ko sa iba. That is why a licensed agent should have a choice of several insurance companies for their clients to choose from so as to serve them better. Most of my clients trust me naman and they dont mind which company i put their risk. Sa totoo lang kasi, most comapnies naman are just the same. Its only a matter of the servicing agents catering to their needs, especially when there is a claim. To explain to them what needs to be done. What are covered and what are not. Kung mapapansin niyo nga, most of those who are complaining about the difficulty in claims are those without servicing agents. Kinuha na lang basta basta sa casa, sa bangko, o kung saan saan.

[Retz]

Kung ayaw mag cover ng AOG ay bakit? Location? Eh buong city kung mag baha.
Huwag kayo kukuha doon.

un nga sir ang hindi ko maintindihan.

[rvdelara]

Baka po Sir depende sa area.

Wala yan sa area...

[maki mi]

You got PM mam.

For Bodily Injury or Property damage to the third party na ma-damage ng vehicle nyo, and yung UPPA ng mga nakasakay sa vehicle mo, pero yung damages sa own vehicle di yun covered. may FREE legal assistance and bail bond up to P10,000 din po ang package insurance na ito.

[Retz]

OT:

Is it a good gauge to use the insured amount of your vehicle as a basis for the selling price of your vehicle?

[mark_t]

OT:

Is it a good gauge to use the insured amount of your vehicle as a basis for the selling price of your vehicle?

Yes. But in a buyers market syiempre puede tumawad, pag cash at ngayon na eh iba na usapan. Depende kung gaano
ka handa maghintay sa bibili sa presyo na gusto ninyo.

[mark_t]

Wala yan sa area...

Baka po Sir depende sa area.

Pareho kayo ng Insurance co. pero magkaiba ang sagot ninyo?

[Manilablock]

OT:

Is it a good gauge to use the insured amount of your vehicle as a basis for the selling price of your vehicle?

kung meron mahahanap ang insurance company na car na katulad ng sayo pwede,

say na-accident ka at total wreck ung car, pwede bang palit car ang gawin ng insurance.

[wezz_zzew]

Question mga bro. Pwede pa ba kumuha ng comprehensive insurance kahit tapos na registration ng auto ko and may TPL na cia? Plano ko kasi kuhanan with AOG coverage.

[rvdelara]

Yes sir pwede naman po. Iba naman po ang TPL sa Comprehensive.