Standard Insurance Co.

**innovavilla** · September 10th, 2011 01:01 AM

Originally Posted by bokista

guys tanong ko lang. Kamukha ng nangyari sa TS, pag ba na carnap kotse mo at nag claim ka sa insurance, babayaran ba nila ng buo kung magkano yung unit? Oh may certain percentage lang sila? Like kung 50 percent lang, so kalahati lang nung price ng kotse babayaran nila?

Babayaran ka nila bro based dun sa Sum Insured or Fair Market Value ng auto mo at the time of loss.........less the deductible (a.k.a participation)

Say Sum Insured is P300k less P2k deductible = P298k yung babayaran sayo.

HTH.

**whamos** · September 10th, 2011 08:48 PM

Originally Posted by bokista

guys tanong ko lang. Kamukha ng nangyari sa TS, pag ba na carnap kotse mo at nag claim ka sa insurance, babayaran ba nila ng buo kung magkano yung unit? Oh may certain percentage lang sila? Like kung 50 percent lang, so kalahati lang nung price ng kotse babayaran nila?

According sa T&C ng policy ko and sa explanation ng imbestigador ng Standard Insurance, ung Amount Insured or Fair Market Value less deductibles like participation. Pwede yung higher or lower of the two, depende raw sa kanila. Nga pla, sabi nung imbestigador ng Standard, may weight yung veracity ng claim ko (kung totoo ba lahat ng rineport ko at mga statements ko sa police, affidavits, etc.) sa deductibles sakin. Ang labo nga nun e, kasi parang may subjectivity, kunwari, kahit ganong ka-totoo na yung nangyari kung hindi naman sila maniniwala edi parang ganun din.

**mahalay** · September 11th, 2011 03:25 AM

Originally Posted by T-MAC01

Mga sir gud pm.bkit po sakin standard din po insurance ko nung nabangga ng motor yung car ko nag ka dent yung fender at mags gasgas na malalim.pinalitan po lahat at yung 1 week waiting sa approval sa insurance tapos 1 week sa casa para replace mga sira.kaya sakin ok naman po siya branch po nila sa may madrigal ayala alabang.tnx po

baka malakas kapit mo boss, o di naman kaya taga SI ka? hehehe. joke lang. Standard Insurance Alabang din po sa akin, pero wala sira sila sa akin - di na ako kukuha ulit sa kanila insurance.

**_Qwerty_** · September 11th, 2011 06:51 PM

inabot nang 5 months 25T lang claim? parang kulang sa follow up yan.. ako standard insurance din.. ang dami ko nang na claim sa kanila.. so far ok naman.. kailangan lang matiyaga ka mag follow up tsaka talk to the managers wag sa mga agent lang..

Originally Posted by mahalay

Standard Insurance din sa akin. Nag claim ako dahil nagka-dent ng malalim kotse ko, it's been 5 Months, never heard a word from them yet. 25K yung quote sa akin ng Casa, kaso according to them, di daw nila accredited ang Hyundai Casa, but I insisted, sabi ko for my peace of mind gusto ko sa Casa. Ayun 5 months have passed, wala pa rin nangyayari. Next year, goodbye Standard Insurance. I'm hearing good things sa non-life insurance ng UCPB. I'm going to try that next year.

**meledson** · September 11th, 2011 10:30 PM

I am now starting on the 4th year using standard insurance. 2x na ako nag claim. it takes at least 1 week para lumabas ang LOA.

**mahalay** · September 13th, 2011 04:35 PM

Originally Posted by _Qwerty_

inabot nang 5 months 25T lang claim? parang kulang sa follow up yan.. ako standard insurance din.. ang dami ko nang na claim sa kanila.. so far ok naman.. kailangan lang matiyaga ka mag follow up tsaka talk to the managers wag sa mga agent lang..

I'm from Pampanga, tapos sa SI Alabang insurance (dahil dun kumuha yung sales agent ko). Could it be due to my place being outside of Alabang/Las Pinas area ?

Sa mga matyaga mag follow up, siguro dahil nakukulitan sila. Ako naman di ako masyado nag follow up for two reasons:
1) Sobrang busy ako, I work almost 16 hours a day (lagare

).
2) Trabaho nila na bigyan ka ng feedback sa status ng claim mo.
3) Wala sa budget (pero kung nandyan na LOA - for sure maba-budgetan ni misis yan)

**jazzinmypants** · September 28th, 2011 01:28 AM

guys, just sharing my experience with standard (shaw), and a question.

1. I got bumped from behind on a Saturday by a commercial van (dents and scratches).
2. The next day (sunday) my 2 right doors got deep scratches (own damage).
3. Monday I went to get MMDA report and proceeded to casa to have the damages estimated.
4. I made kulit to the agent and she said that pwede ko na ipasok sa casa ang car pending LOA.
5. Friday pinasok ko na ang car. Service said at least 7 days daw aayusin. (ang tagal!)
6. Standard said they will be charging me participation fee of P2,000 each of the damage (third party & own damage). So bale P4,000 total.
7. They said I will have to be the one to claim dun sa nakabangga sa akin.
8. On Monday (the following week) and from thereon, I kept on following up the status of repair. I cant contact the service via landline. Buti na lang helpful ang HondaTXT.
9. Then on Saturday, nakuha ko na car and paid participation fees. 7 working days nga!
10. I have yet to receive payment from third party but I was told idadaan daw sa office ko yung check payment.

My question, kelangan bang 2 participation fee? Hindi ba pwedeng isa na lang? TIA!

**_Qwerty_** · September 28th, 2011 09:45 AM

2 incident kasi yan.. isa sa likod at sa side.. di mo pwede sabihing isang incident lang.. ang insurance kasi per incident ang participation fee..

**shadow** · September 28th, 2011 10:29 AM

dapat ginawa mo na lang isang incident ang pag claim

**jazzinmypants** · September 28th, 2011 09:39 PM

Originally Posted by _Qwerty_

2 incident kasi yan.. isa sa likod at sa side.. di mo pwede sabihing isang incident lang.. ang insurance kasi per incident ang participation fee..

yun na nga eh. kung gawan ko kaya ng kwento? hahaha!

pero halimbawa yung maliit na gasgas, 2k pa rin ba participation nun? or it depends upon the cost of damage.