Total Loss Declaration on Flooded Cars

[oj88]

Way back during Ondoy, I believe that most insurance will declare your vehicle a total loss if the flood water reached the dashboard, or something to that effect. Has this changed?

I recently saw a video of a talyer repairing a flooded vehicle and he identified the insurance by name, stating that the vehicle was endorsed to them for repair and restoration. Though, it wasn't clear whether the vehicle will still be returned to the owner or if they're planning on putting it back in the used market after the car has been refurbished.... they do need it to recoup their losses.

But the latter seems more probable... I mean, who would want their flooded car back? But hey, the fine print on AoN/AoG stipulations might have changed so I'm just wondering what their meter stick is when assessing flooded vehicles that are otherwise undamaged.

[dreamur]

Instinct is to avoid the flood especially that the car is new so insurance company cannot decline the claim.

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[krau55]

Inaantay ko pa estimate ng casa. Kung repair ba or total loss idedeclare nila.
Ang concern ko lg is kung idedeny ba ng insurance claim ko.


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[cast_no_shadow]

Inaantay ko pa estimate ng casa. Kung repair ba or total loss idedeclare nila.
Ang concern ko lg is kung idedeny ba ng insurance claim ko.


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They will not, why would they? Kaya ka nga May AOG sa policy mo.

Yep basehan dyan is the cost estimate of the damages if total loss or repair.


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[krau55]

Thanks guys. Balak ko pa sana palitan statement ko na nakapark sya. Kaso sobrang hirap ma prove.


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[cast_no_shadow]

Thanks guys. Balak ko pa sana palitan statement ko na nakapark sya. Kaso sobrang hirap ma prove.


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No need.

Nga pala what is your car?

Saan area ka nabaha?

Car died immediately?


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[shadow]

If you'll put that much effort to wrap your car then might as well exert a little much more to move it instead to a higher ground na lang.


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[Miles_on]

^^^
Kung may oras pa.
Pero hindi lahat may mahahanap na ma-evacuate-an ng kotse.

In years past, I've seen vehicles parked sa taas ng Dimasalang Bridge because the whole environs were flooded na.
What if puno na yung mga high grounds to park by similarly minded people (naunahan ka na)?

[Mark1111]

Hi po!

Ask ko lng po if meron kayo idea regarding sa AON
insurance claim process.

Yung unit po kasi namin is innova 2016 model and insured sya for 600+k.

Magkano po kayo yung magiging payout namin sa insurance? Nakausap ko kasi kanina yung agent sa claiming department ang sabi parang almost 900k daw yung repair value pero di naman nila nachrcheck pa yung engine.

Nung dung mating yung inspector samin 2 days ako parang ang basa ko sakanya para ok pa yung kotse kasi wala tubig sa oil and sa gas and yung battery is natangal naman bago malubog.


Note: casa maintained po yung auto namin.. please advice thnak you po!

[carxynogen]

Hi po!

Ask ko lng po if meron kayo idea regarding sa AON
insurance claim process.

Yung unit po kasi namin is innova 2016 model and insured sya for 600+k.

Magkano po kayo yung magiging payout namin sa insurance? Nakausap ko kasi kanina yung agent sa claiming department ang sabi parang almost 900k daw yung repair value pero di naman nila nachrcheck pa yung engine.

Nung dung mating yung inspector samin 2 days ako parang ang basa ko sakanya para ok pa yung kotse kasi wala tubig sa oil and sa gas and yung battery is natangal naman bago malubog.


Note: casa maintained po yung auto namin.. please advice thnak you po!

Best is sa CASA assessment, pag lagpas ng insured value, automatic total loss na yan.
Depende pa rin sa final assessment, basta yan yung total loss assessment pag lagpas ng insured value estimated cost of repair.
Sayang nga lang, hirap na makahanap ng similar second hand vehicle at 600k+.
Pang down nalang to ng brand new vehicle.

[Mark1111]

Best is sa CASA assessment, pag lagpas ng insured value, automatic total loss na yan.
Depende pa rin sa final assessment, basta yan yung total loss assessment pag lagpas ng insured value estimated cost of repair.
Sayang nga lang, hirap na makahanap ng similar second hand vehicle at 600k+.
Pang down nalang to ng brand new vehicle.

Yun na nga po eh parang di na nila sisilipin yung auto since total lost na sya. Pero di ba dapat icheck yung ng tao nila since pano malalamn kung aabot nga ng 900k yung gagasyusin to repair eh pixture lng yung nakita nila di naman yung makina mismo.


Bale yung sa sum insured na 600 makukuha po kaya namin yun? Or meron pa yung mga bawas?

[kapitan88]

couple of years back, my 2017 honda city got flooded din, insured amount was 603K, was offered 555K less 15K deductible depreciation. got a check worth 540K.

Hi po!

Ask ko lng po if meron kayo idea regarding sa AON
insurance claim process.

Yung unit po kasi namin is innova 2016 model and insured sya for 600+k.

Magkano po kayo yung magiging payout namin sa insurance? Nakausap ko kasi kanina yung agent sa claiming department ang sabi parang almost 900k daw yung repair value pero di naman nila nachrcheck pa yung engine.

Nung dung mating yung inspector samin 2 days ako parang ang basa ko sakanya para ok pa yung kotse kasi wala tubig sa oil and sa gas and yung battery is natangal naman bago malubog.


Note: casa maintained po yung auto namin.. please advice thnak you po!

[Mark1111]

couple of years back, my 2017 honda city got flooded din, insured amount was 603K, was offered 555K less 15K deductible depreciation. got a check worth 540K.

Sana close din dito yung makuha namin sa insurance. Yung sa tono kasi napannalita nung kausap ko sa claims department kanina parang mababa ng ibibigay eh

If ever sobrang baba ng offer, ano po kaya other options?

[kapitan88]

couple of years back, my 2017 honda city got flooded din, insured amount was 603K, was offered 555K less 15K deductible depreciation. got a check worth 540K.

add:

just last month, i happened to see that car again running sa may naiax, still looking shiny, Also wonder, pano ang kalakaran sa mga total loss vehicles, sino ang kumukuha at nag aayos, and do they tell would be buyers of its history? la lang.

Hi po!

Ask ko lng po if meron kayo idea regarding sa AON
insurance claim process.

Yung unit po kasi namin is innova 2016 model and insured sya for 600+k.

Magkano po kayo yung magiging payout namin sa insurance? Nakausap ko kasi kanina yung agent sa claiming department ang sabi parang almost 900k daw yung repair value pero di naman nila nachrcheck pa yung engine.

Nung dung mating yung inspector samin 2 days ako parang ang basa ko sakanya para ok pa yung kotse kasi wala tubig sa oil and sa gas and yung battery is natangal naman bago malubog.


Note: casa maintained po yung auto namin.. please advice thnak you po!

[Mark1111]

Hi po!

Ask ko lng po if meron kayo idea regarding sa AON
insurance claim process.

Yung unit po kasi namin is innova 2016 model and insured sya for 600+k.

Magkano po kayo yung magiging payout namin sa insurance? Nakausap ko kasi kanina yung agent sa claiming department ang sabi parang almost 900k daw yung repair value pero di naman nila nachrcheck pa yung engine.

Nung dung mating yung inspector samin 2 days ako parang ang basa ko sakanya para ok pa yung kotse kasi wala tubig sa oil and sa gas and yung battery is natangal naman bago malubog.


Note: casa maintained po yung auto namin.. please advice thnak you po!

Hi po,

Share ko lng yung nagyari yung update regarding sa post ko na to.

Tumawag na pla yung sa insurance provider ko and nagoffer sila ng very acceptable amount. Almost 600 yung binigay samin since total loss na uun auto namin kasi umabot na tlaga sa dashboard.

Pero sa totoo lng tingen ko mabibinta pa jila yung auto namin for 800k+ since parang saglit lng tlga sya nalubog after repair.. pero pwede na din yung nakuha namin kesa maging sakit sa ulo after ilang years.

Thank you sa mga reply nyo pala. Laking help nitong forum na to!

Ps: Para sa mga nagclclaim ng ng Aon/Aog follow up nyo lng daily yung insurance procider nyo para mapabilis yung process hahahah

[shadow]

Hi po,

Share ko lng yung nagyari yung update regarding sa post ko na to.

Tumawag na pla yung sa insurance provider ko and nagoffer sila ng very acceptable amount. Almost 600 yung binigay samin since total loss na uun auto namin kasi umabot na tlaga sa dashboard.

Pero sa totoo lng tingen ko mabibinta pa jila yung auto namin for 800k+ since parang saglit lng tlga sya nalubog after repair.. pero pwede na din yung nakuha namin kesa maging sakit sa ulo after ilang years.

Thank you sa mga reply nyo pala. Laking help nitong forum na to!

Ps: Para sa mga nagclclaim ng ng Aon/Aog follow up nyo lng daily yung insurance procider nyo para mapabilis yung process hahahah

Anong insurance company mo?


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[papi smith]

Pero sa totoo lng tingen ko mabibinta pa jila yung auto namin for 800k+ since parang saglit lng tlga sya nalubog after repair.. pero pwede na din yung nakuha namin kesa maging sakit sa ulo after

Sobrang tumal ng benta ng 2nd hand kotse ko before this flood, binaba ko na lang price para madispatsa na. But now after the floods, malamang lahat ng 2nd hand cars suspect na nabaha, kaya baka mahirapan din ang insurance magbenta ng fair price. Diretso na yan sa pinamataas na barat bid which most probable your settlement price. Panalo pa sa premium ang insurance.