questions on claiming insurance

[_Qwerty_]

some insurance charges .5% of the value of the car.. so kung 900T yung car that is 4,500.00. Bumababa lang yung participation as the car gets older.. minimum of 2T..

Why is Standard Insurance billing me 4,600 for participation? In this day and age na 2-3k lang usual participation?


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[nhiecah_nice29]

Pwede ka rin Sir mag-paquote ng Fixed Deductible/participation fee na P 2K pero medyo tataas yung premium mo. Mga P 1-2K lang naman ung difference nya sa premium from the normal percentage deductible.

Why is Standard Insurance billing me 4,600 for participation? In this day and age na 2-3k lang usual participation?


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[dr. d]

Why is Standard Insurance billing me 4,600 for participation? In this day and age na 2-3k lang usual participation?


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how many panels for repair are we talking about?
how many "incidents" are we talking about?
these insurance companies will try to take the most money from you, if you do not question them..

[H1Tman]

how many panels for repair are we talking about?
how many "incidents" are we talking about?
these insurance companies will try to take the most money from you, if you do not question them..

2 panels and 1 tail light.
1 incident, hit while parked unattended. offender unidentified.
policy states 0.5% car value deductible.

[cobywantenubi]

Guys question. My car has comprehensive. Then recently, may ngtrip sa car ko, ginasgasan paikot from light to deep scratches. I tried having it buffd pero naglighten up lang, d nnawala mga deep scratches. Can i claim for the repaint/repair from my insurance?

[dr. d]

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Guys question. My car has comprehensive. Then recently, may ngtrip sa car ko, ginasgasan paikot from light to deep scratches. I tried having it buffd pero naglighten up lang, d nnawala mga deep scratches. Can i claim for the repaint/repair from my insurance?

i believe vandalism is covered, sir. unless, the vandal was a god.. and you don't have AOG coverage..
heh heh.

[nhiecah_nice29]

Guys question. My car has comprehensive. Then recently, may ngtrip sa car ko, ginasgasan paikot from light to deep scratches. I tried having it buffd pero naglighten up lang, d nnawala mga deep scratches. Can i claim for the repaint/repair from my insurance?

Yes po you can claim it to the insurance company as own damage.

[cobywantenubi]

Aok, thanks guys. What documents kya hahanapin nila for this?

[dr. d]

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Aok, thanks guys. What documents kya hahanapin nila for this?

since there's no other identified party, just an affidavit... ang sarili mong kuwento, na notarized. and the insurance papers, of course.

[cobywantenubi]

Thanks doc. Sorry but this would be my frst time to claim and with this are my newbie questions. sir what would be my frst step and the next.. now i have the documents at hand?

[cast_no_shadow]

Thanks doc. Sorry but this would be my frst time to claim and with this are my newbie questions. sir what would be my frst step and the next.. now i have the documents at hand?

In-house ba insurance mo or hindi?
Pag inhouse hassle free yan, dalhin mo sa casa, pa estimate mo damage. Sila na kakausap sa insurer. Issue ng approval then repair na.


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[dr. d]

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In-house ba insurance mo or hindi?
Pag inhouse hassle free yan, dalhin mo sa casa, pa estimate mo damage. Sila na kakausap sa insurer. Issue ng approval then repair na.


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that is why i patronize the insurance under the casa's roof.
i just bring it in, and "call me when she's ready to be brought home".

[cast_no_shadow]

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that is why i patronize the insurance under the casa's roof.
i just bring it in, and "call me when she's ready to be brought home".

Yan nga problema ko, hindi "inhouse" yung saken kasi free siya sa bank.

For sure hassle free din pag nag claim ako (mahahassle talaga!) hehehe


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[dr. d]

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Yan nga problema ko, hindi "inhouse" yung saken kasi free siya sa bank.

For sure hassle free din pag nag claim ako (mahahassle talaga!) hehehe


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ask the insurance company you are enrolled under, what documents you need. i think it will still be done, but you will just have to wait a little longer than me, sir.

[cobywantenubi]

My insurance is prudential. I think tie up cya with bdo with my car finance kc cla n rin ngprocess non. But ill have it asked tomorrow with my casa kc nakasched ako for 10k pms. The incident happened 2 weeks ago. Can i still have the grounds?

[cobywantenubi]

In addition mga sir.. eto po ung quote nila for the renewal of my policy. U think ths a good deal? Does it cover everythng i need i mean the essential coverages? Thanks!

[ninjababez]

Yan nga problema ko, hindi "inhouse" yung saken kasi free siya sa bank.

For sure hassle free din pag nag claim ako (mahahassle talaga!) hehehe


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bro kung BPI MS yan and free sya, may konting delay yan. nag generate lang sila ng policy number PAG may claim na. ganun daw talaga pag free sinabi na mismo ng bpi ms sakin yan, by accident nasabi (i guess) nung kinulit ko kung bakit wala pa policy. humingi kasi ako ng explanation since mahigit 1 month na yung auto and naka pagbayad nako ng monthly amort.

[jovz]

question lang po macacaclaim po ba pag yun comprehensive insurance ay nakapangalan pa po sa dati may ari

[_Qwerty_]

dapat pinalipat mo sa name mo.. talk to the old owner..

question lang po macacaclaim po ba pag yun comprehensive insurance ay nakapangalan pa po sa dati may ari

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dapat pinalipat mo sa name mo.. talk to the old owner..

question lang po macacaclaim po ba pag yun comprehensive insurance ay nakapangalan pa po sa dati may ari

[jovz]

ganun po ba pano kaya po pag nabangga na, may posibilidad po ba na macaclaim o may paraan mo, tapos hit and run un ngyari