Total Loss Coverage for 6 month old vehicle

**BingLim** · January 15th, 2010 01:02 PM

Hi! My 6 month old car, hyundai tucson, was fully submerged in the flood during Ondoy (flood reached ceiling of our one story house). We've been asking the insurance, MAPFRE, to declare it total loss but they wouldn't budge. They simply want to repair it. Our neighbor's Innova, same month purchased, was given total loss coverage by Malayan. I heard of another na 1 year old Montero given total loss din by another insurance company. Who amongst you had similar experience na was given total loss by the insurance? or is there anyone having MAPFRE insurance and was given total loss? I totally regret getting MAPFRE insurance. They are the worst people to deal with, and I must say the most inconsiderate. I wish we just had BPI/MS insurance coz with them,as soon as the flood level reached dashboard, it's for total loss. If only we had BPI/MS, we would not be having this problem now. It's lesson learned, from now on, all our cars will be insured only by BPI/MS.

would greatly appreciate your inputs. Thanks!

**[archie]** · January 15th, 2010 01:15 PM

we did have our car submerged during ondoy. the car was 2 months old under bpi/ms. it was considered total loss but they did not replace the unit. they simply deducted the dep value and gave us the cash. in short they bought the car * less 10% of value.

actually, they had 2 choices for us. 60% value + car. or 90% of car value. we opted of option 2.

its a great deal for us because instead of getting the car repaired that would cost a lot of money and time, we just have to add 10% and got another brandnew car.

your insurance should offer a total loss due to uncertain malfunctions, the car might have in the future.

**BingLim** · January 15th, 2010 01:30 PM

good for you, less 10% value of the car will be so ok for me, kahit nga 20%, as long as total loss so we can buy a new car. hirap with a flooded vehicle, you'll never know what will happen on the road. My unit only had 4,000km, seldom used and practically brand new. That's why we've been fighting for total loss coverage coz hyundai can never repair it and return it to its state before ondoy.

Another issue we had to deal with is hyundai pasig. they are not at all supportive despite the fact we bought the car from them. They should be the one declaring it total loss and telling the insurance that it's impossible for the unit to be the same how it was before ondoy. But seems they are helping MAPFRE than us. We should have gotten the car from other Hyundai branches where there's better service to clients.

This has been really total headache for us. I just wonder if there are others with similar experience like us, or those who were able to claim total loss and what steps they took. I'm still hopeful that something positive will still come out after all these. After the horrifying experience of losing practically everything with Ondoy, the least I would've wanted was to have to go through all this with MAPFRE. We get comprehensive insurance to aid us and protect us in times of need..yet all we get from them is stress and additional burden.

**[archie]** · January 15th, 2010 01:41 PM

best thing you can do is to get a statement from hyundia that there are uncertainties that might cause discomfort for you because the car has been submerged. that the car has electrical components that might rust in the future and cause the car to breakdown. ill say yes to repairing the car provided, they change all wiring harness, electrical components, replace all interior, rust proff, under coat, replace engine, replace all components that has bearings and bushings. this is the only way to make sure the car would be in brandnew state again. kung baga, itira na lang yung kaha

im assuming that the AOG coverage is comprehensive, therefore, the total amount of the car should be covered for any AOG incidence. you have to really push all options to get the total loss.

hth

**mark_t** · January 16th, 2010 02:25 PM

Originally Posted by BingLim

Hi! My 6 month old car, hyundai tucson, was fully submerged in the flood during Ondoy (flood reached ceiling of our one story house). We've been asking the insurance, MAPFRE, to declare it total loss but they wouldn't budge. They simply want to repair it. Our neighbor's Innova, same month purchased, was given total loss coverage by Malayan. I heard of another na 1 year old Montero given total loss din by another insurance company. Who amongst you had similar experience na was given total loss by the insurance? or is there anyone having MAPFRE insurance and was given total loss? I totally regret getting MAPFRE insurance. They are the worst people to deal with, and I must say the most inconsiderate. I wish we just had BPI/MS insurance coz with them,as soon as the flood level reached dashboard, it's for total loss. If only we had BPI/MS, we would not be having this problem now. It's lesson learned, from now on, all our cars will be insured only by BPI/MS.

would greatly appreciate your inputs. Thanks!

Hi,

Can you send me a scanned copy of your policy? I am surprised with your post.

**dieselNUBI** · January 16th, 2010 02:44 PM

same kayo problema ng classmate ko. mapfre din insurance nya. 4 month old innova. lubog sa marikina. ayaw ipa total loss. tpos pinagawa pa sa pipichugin talyer ng mapfre.

**mark_t** · January 16th, 2010 05:04 PM

Originally Posted by dieselNUBI

same kayo problema ng classmate ko. mapfre din insurance nya. 4 month old innova. lubog sa marikina. ayaw ipa total loss. tpos pinagawa pa sa pipichugin talyer ng mapfre.

So what will happen to their warranty?

**compact** · January 16th, 2010 09:55 PM

BPI/MS insurance here, declared my less than a month civic as total loss. They offered me the salvage value of the car plus the difference in check for a total of almost near the original value.

I replaced it with a City 1.5E CB to be given to wifey because of a job offer abroad I cannot resist.

**BlueJazz** · January 16th, 2010 10:01 PM

Same experience with standard insurnace. Posted on another thread. Bpi ms is the best so far in making sure total ang vehicle pag feeling nila its going to be unsafe after being repaired. Hirap din kausap ng Standard sa claim,lahat titipirin. Learned this afternoon from my SA na nakikipagtalo standrd sa replacement ng abs module! May gusto pa nilang mabasag ulo mo kesa palitan para sure na safe ka.

Lesson learned na lng to mga bro. Never ever go with Standard Insurance.

**BingLim** · January 18th, 2010 09:59 AM

* archie123456789 and compact - thank you for your tips and sharing your same experience. lesson learned BPI/MS na tlaga all my insurance - NEVER MAPFRE!!!!!!!!

it's a pity though that they even made a press release about MAPFRE Spain providing assistance to those afflicted by Ondoy by so so and Euros yet to their own clients they don't even give any consideration. If other insurance can provide total loss coverage esp to almost brand new vehicles, why can't they. I'm so sure they will be losing all the clients and all will be moving to BPI/MS.

*dieselNUBI - that's true. what MAPFRE did to save on the cost, they took our unit away from Hyundai Pasig withouth our permission and tasked Velocity Motors to clean the unit. All our cars are casa maintained so we were aghast to learn about Velocity doing the restoration. They returned the unit to Hyundai full of dents and scratches.

* bluejazz - i also have a car with standard insurance. I'm also seeking for total loss coverage since i heard it's too costly to repair a mazda 3, radio alone costs 55k. We're still in the process, but since it's 3 years old, I am not as eager to fight it compared with the practically brand new other car we have insured with MAPFRE.

*mark_t: per hyundai, 5 year warranty is voided. that's why we've been fighting for total loss for the car.

thank you all for your replies. Really appreciated.