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  1. mark_t's Avatar
    mark_t
    mark_t is offline Tsikot Member Rank 2
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    December 16th, 2012 04:48 PM #31
    Quote Originally Posted by dad17 View Post
    need advice too different case sa akin mga pare accident naman last oct 2012 total loss din assess ng pipols gen same policy 648k ang full coverage but upto now still waiting for the conformity letter and their offer.imagine oct pa ngyari upto now wala pa ngyayari .sa tingin nyo till wat price dapat
    Where is your servicing agent? Dapat within 30 days of conforme bayad ka na. Depende sa pila ng babayaran, kung ikaw una
    nag claim eh ikaw una mababayaran.
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  2. krau55
    krau55 is offline Verified Tsikot Member
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    August 14th, 2016 08:43 PM #32
    Just want to inquire lg if may similar experience kau. My 1 month old car got flooded. On this case hindi sya nakapark. I am driving it. Maraming dumadaan sa area nung time na yun. Baka nadaanan ko lg yung pinakamalalim. Nag stop yung engine at yun na.
    Covered yung AOG ng insurance ko. Question ko lg, can the insurance have reason to decline covering my claim? Dahil inilusong ko sya sa bahA? Anong masasuggest nyo. Thanks.


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  3. minicarph
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    August 14th, 2016 09:13 PM #33
    Act of god yan why would deny act of God


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  4. _Cathy_'s Avatar
    _Cathy_
    _Cathy_ is offline High & Dry
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    August 14th, 2016 09:17 PM #34
    But if you knowingly drove through flood like this guy, can you still claim?

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  5. dreamur's Avatar
    dreamur
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    August 14th, 2016 09:24 PM #35
    Instinct is to avoid the flood especially that the car is new so insurance company cannot decline the claim.

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  6. dct
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    August 14th, 2016 09:26 PM #36
    Quote Originally Posted by krau55 View Post
    Just want to inquire lg if may similar experience kau. My 1 month old car got flooded. On this case hindi sya nakapark. I am driving it. Maraming dumadaan sa area nung time na yun. Baka nadaanan ko lg yung pinakamalalim. Nag stop yung engine at yun na.
    Covered yung AOG ng insurance ko. Question ko lg, can the insurance have reason to decline covering my claim? Dahil inilusong ko sya sa bahA? Anong masasuggest nyo. Thanks.


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    Ang alam ko madedeny sya dahil pwede pang gagawin. Papagawa nila. Cheaper for them kaysa bayaran ka ng buong presyo. Wala ka pa rin naman gastos
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  7. krau55
    krau55 is offline Verified Tsikot Member
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    August 14th, 2016 09:38 PM #37
    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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  8. cast_no_shadow's Avatar
    cast_no_shadow
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    August 14th, 2016 09:44 PM #38
    Quote Originally Posted by krau55 View Post
    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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  9. krau55
    krau55 is offline Verified Tsikot Member
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    August 14th, 2016 09:55 PM #39
    Thanks guys. Balak ko pa sana palitan statement ko na nakapark sya. Kaso sobrang hirap ma prove.


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  10. cast_no_shadow's Avatar
    cast_no_shadow
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    August 14th, 2016 09:57 PM #40
    Quote Originally Posted by krau55 View Post
    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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Total Loss Declaration on Flooded Cars