Quote Originally Posted by innova10 View Post
Hi ma'am BingLim, ask ko lang kung saan place ka at ano yung auto mo na pumayag ang STANDARD INSURANCE na matotal loss kasi lagi lang nila sinasabi na FOR REPAIR LANG DAW TALAGA sila. Sa Pasig kami at sa nasa Toyota Ortigas yung auto ko. Para naman masabi ko sa kanila na bakit yung iba na nabaha ng Ondoy pumayag sila na maTOTAL Loss e sa akin bat ayaw nila pumayag. If kung ok lang sayo?
Hi! sorry for this late reply. Anyway, my car is a Mazda 3. We initially brought it to mazda greenhills days after ondoy but it was not accepted due to the bulk of repairs they had then so we decided to bring it to Pampanga. Mazda Pampanga declared it total loss. Actually the amount they offered us is not full 100% of the insured value but we accepted it to lessen the hassle. Honestly, I still miss my car and wasn't really keen on having it declared total loss (compared to the Hyundai Tucson which i never want to see again after the stress given by the Bonifacios of Hyundai Pasig and Mapfre!). Anyway, the estimated repair would be tantamount or even more than the insured value cost that's why they decided to declare it total loss. Actually I think we were just lucky because there was point of precedence. Prior to our car being checked, Standard had an experience with another Mazda 3 whom they repaired at 400k ++ and the car kept on coming back for additional repairs, which apparently reached the insured value. So i think that was their basis to declare ours as total loss. Maybe the cost of repairing your vehicle is not that big yet or 70% of the insured value. But may i know if we are talking about a newly bought Innova here coz then that would definitely make a big difference, like how i've been fighting for our 6month old tucson that was submerged in the flood.

good luck!!!