questions on claiming insurance

[ohnose12]

Thanks guys, this is really frustrating can't sleep , anyways i posted an image above do you guys think the damage is severe enough for them to even consider it as total loss? Walang damage sa engine umurong lang ung battery, pero ang problema daw ung ilalim

[[archie]]

Honestly kaya gawin yan, as what mark t said baka gumalaw na chassis niyan. Can't say from the pix pero most probably gumalaw na yan. You can risk it pero ang problem is hindi babalik yung dating sariwa niyan unless ubusan ng pera for proper shell repair.

Honestly, I won't do it kasi too much hassle and it would not be the same.

Edit: sorry Mali basa ko sa post. Hehe.

If casa gagawa niyan sigurado more than 150k uubusin nila. May stipulation ba na pwede sa casa pagawa? If not, papagawa nila yan sa labas. Ilaban mo na total loss since hindi babalik sa pagkasariwa yung car. May pagasa sa total loss... Talk to the assessor Para may idea ka more or less what will happen and makiusap na daliaan pag process kasi binabayaran mo monthly. Mabait mga assessor, they will tell you what they think kagad.

[ohnose12]

Right now the car is being assessed by their accredited repair shop i'm still waiting for the damage report. By the way insurance is people's general and the accredit repair shop is south central

[baker123]

Thanks guys, this is really frustrating can't sleep , anyways i posted an image above do you guys think the damage is severe enough for them to even consider it as total loss? Walang damage sa engine umurong lang ung battery, pero ang problema daw ung ilalim

honestly. if its my car. incase they are able to repair that. ill sell it after and get something without damage/repair.

[ohnose12]

I've been thinking of that all day, if ever they declare it total loss I'll just look for an older model, thinking of getting a good civic hatchback heheh, mas bagay since bagets pa naman ako hehehe

[[archie]]

Naku people's! Hehe joke lang.. Good luck sir.

[ohnose12]

Naku people's! Hehe joke lang.. Good luck sir.

Haha, i've read all the horror stories! since ung pinag loanan ko ng car eh sya rin ung broker ng people's eh sana naman tulungan nya ako

[ta_fugs]

newbie here...ask ko lng mkakapag claim ba ako sa insurance company if i accidentally damage my car on my on fault? no third party involve..
ngpa-park kasi ako then ndi ko nkita ung nkatayong maliit n tubo s gilid so tinamaan ung bumber ng car ko... just a small cut on a right side of my bumper.
do i need a police clearnace on claiming,and if i decided to change my bumper i mean to upgrade on sporty look, sagot pa din ng insurance un? or the accredited
shop will just repair it.. need help please..tnx..

[basucat]

newbie here...ask ko lng mkakapag claim ba ako sa insurance company if i accidentally damage my car on my on fault? no third party involve..
ngpa-park kasi ako then ndi ko nkita ung nkatayong maliit n tubo s gilid so tinamaan ung bumber ng car ko... just a small cut on a right side of my bumper.
do i need a police clearnace on claiming,and if i decided to change my bumper i mean to upgrade on sporty look, sagot pa din ng insurance un? or the accredited
shop will just repair it.. need help please..tnx..

Of course you can claim even if it's your fault, basta accidental pa rin (versus sinadya). If it's a small cut and it's repairable, the insurer might not agree to replace it. Some insurers require a police report while others just need an affidavit or an incident report. Ask your insurer what they require. What's important is to report it immediately to your insurer. Remember that you will have to shoulder the deductible. For 3 star shops, the average painting cost is about 2,500 to 3,000 per panel and the bumper is considered as 1 panel.

Hope this helps.

[Retz]

newbie here...ask ko lng mkakapag claim ba ako sa insurance company if i accidentally damage my car on my on fault? no third party involve..
ngpa-park kasi ako then ndi ko nkita ung nkatayong maliit n tubo s gilid so tinamaan ung bumber ng car ko... just a small cut on a right side of my bumper.
do i need a police clearnace on claiming,and if i decided to change my bumper i mean to upgrade on sporty look, sagot pa din ng insurance un? or the accredited
shop will just repair it.. need help please..tnx..

Sir pag mga minor lang, kahit hindi na idaan sa insurance kasi same lang din magbabayad ka din participation.

[ta_fugs]

Of course you can claim even if it's your fault, basta accidental pa rin (versus sinadya). If it's a small cut and it's repairable, the insurer might not agree to replace it. Some insurers require a police report while others just need an affidavit or an incident report. Ask your insurer what they require. What's important is to report it immediately to your insurer. Remember that you will have to shoulder the deductible. For 3 star shops, the average painting cost is about 2,500 to 3,000 per panel and the bumper is considered as 1 panel.

Hope this helps.

minor lang naman,ako na lang magpapagawa and besides i should pay a deductible..mas makakamura siguro ako kung hindi ko na idadaan sa insurance,, anyway thank you,,nagka idea ako..

[ta_fugs]

Of course you can claim even if it's your fault, basta accidental pa rin (versus sinadya). If it's a small cut and it's repairable, the insurer might not agree to replace it. Some insurers require a police report while others just need an affidavit or an incident report. Ask your insurer what they require. What's important is to report it immediately to your insurer. Remember that you will have to shoulder the deductible. For 3 star shops, the average painting cost is about 2,500 to 3,000 per panel and the bumper is considered as 1 panel.

Hope this helps.

minor lang naman,ako na lang magpapagawa and besides i should pay a deductible..mas makakamura siguro ako kung hindi ko na idadaan sa insurance,, anyway thank you,,nagka idea ako..

[ta_fugs]

Sir pag mga minor lang, kahit hindi na idaan sa insurance kasi same lang din magbabayad ka din participation.

oo nga may deductible p din..ganun na nga lang ako n lang magpapagawa..thanks sir.

[ohnose12]

Quick update repair shop called me this morning and told me the total repair and labor costs, total is 190k exceeding 75% of 240k, so does that mean it is automatically considered total loss? And how much will i get? Insured amount is 240k, will it only depreciate by maximum of 15%?

[basucat]

Quick update repair shop called me this morning and told me the total repair and labor costs, total is 190k exceeding 75% of 240k, so does that mean it is automatically considered total loss? And how much will i get? Insured amount is 240k, will it only depreciate by maximum of 15%?

Depends on how the insurer will compute the 75%. First, the insurer will review the 190K repair cost. This will likely go down as they may disallow some repairs or they may ask for discounts on parts and labor. Second, the 240K you mentioned is the Fair Market Value at the time the policy was issued. The Insurer will compute the percentage based on the Fair Market Value at the time of the loss.

If you want it totaled, I suggest that you write your insurer already asking that since the damage is substantial, they should declare it a total loss. Tell them that the actual repair cost may increase as a result of "hidden damages" that were not included in the estimate. If they agree, the total loss settlement will be based on the Fair Market Value at the time of the accident less the deductible.

[nhiecah_nice29]

Kung sa MAPFRE yan Sir, the following day may LOA na agad issue, and if yung third party yung clearly liable i-waive nila yung dedutible. kaya for Car and House Insurance, the best deals are with MAPFRE Insular Insurance Corporation. Get comprehensive protection for the assets you worked hard for. Recover from the unexpected, and prepare for the future. PM me for any inquiries or assistance. Cheers!

[mark_t]

Kung sa MAPFRE yan Sir, the following day may LOA na agad issue, and if yung third party yung clearly liable i-waive nila yung dedutible. kaya for Car and House Insurance, the best deals are with MAPFRE Insular Insurance Corporation. Get comprehensive protection for the assets you worked hard for. Recover from the unexpected, and prepare for the future. PM me for any inquiries or assistance. Cheers!

Alam mo ba ang process para lumabas ang LOA? Ano yan pikit mata lumalabas na LOA?
Bakit ako hindi naman ganyan kabilis experience ko sa claim ko mismo?

[e2romo]

Alam mo ba ang process para lumabas ang LOA? Ano yan pikit mata lumalabas na LOA?
Bakit ako hindi naman ganyan kabilis experience ko sa claim ko mismo?

Sa akin mga one week rin bago lumabas LOA. Pero ok na rin dahil wala naman sakit ng ulo throughout the transaction. Hindi katulad nung insured sa Stronghold na kasabay kong nagpapaayos sa casa, pahirapang magpaapprove sa mga nasirang parts. Sakit raw sa ulo.

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[rvdelara]

Alam mo ba ang process para lumabas ang LOA? Ano yan pikit mata lumalabas na LOA?
Bakit ako hindi naman ganyan kabilis experience ko sa claim ko mismo?

Hi Sir Mark,

Sorry to hear about your past experience regarding claims processing. Thank you for choosing Mapfre this time, rest assured that i will assist you the next time you file for a claim to make the process faster and hassle free for you.

[MonteroGLSV]

hi mga sirs.
Binaha po monti then pinasok po tubig sa loob pero until floor lng po hnd na umabot sa may upan.tumagal po ung baha mga 3hrs kaya nababad po car ko sa tubig. com.box hnd naman po inabot.makina ko cguro mga kalahati din nalubog sa baha.till now hnd ko pa po try na start baka magkaproblema po kasi eh.ang question po eh pwede po ba claim sa insurance ko na change unit?may act of nature po na kasama insurance ko.is that posible po ba?my main reason eh hindi na me comfortable baka after a month dun makita ung sakit nya.please advise po.


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