total loss or possible repair?

**zirkel** · February 5th, 2015 01:04 PM

Hello, nabangga yung 2009 Honda Jazz ko last sunday night.

https://imageshack.com/i/ey5Hkh9Wj
https://imageshack.com/i/eygCx03kj
https://imageshack.com/i/pbhvz2Tfj
https://imageshack.com/i/hlCtwEenj

nadala na sya sa casa, ang estimated na cost is:

Total labor: 104,899.52
Total parts: 378, 329.54
Total paint materials: 28,000
Total shop materials: 4,480

TOTAL JOB COST: 515,709.06

of course since casa to, the parts might be way overpriced. my question is, do you guys think na kaya pa to dalhin sa accredited repair shop (sabi ng insurance ko, accredited daw nila yung Technique Automobile sa Paco, Manila) where sabi ng insurance, mas madali mapalitan ng surplus yung parts so mas mura? or mag pa declare na lang ako ng total loss tapos dalhin ko sa ibang repair shop kung saan ako mas makakamura rin?

eto yung works to be done sabi ng casa:

a) Remove/Reinstall all involved parts

b) straighten/reform/align & weld RH Front and read door panel, LH front and rear door panel, LH Quarter panel, tailgate panel, sparetire compartment, RH gutter, RH inner rear panel, front bumper beam, rear end panel, bulkhead assy

c) Repaint/ Rubdown repaired areas to body color, all panels

d) rustrproofing

e) electrical works
-replace left and right headlight assy, right tail light assy/ check and evaluate all electrical wirings and connections

f) mechanical works
-replace right rear suspensions

g) Glassman works
-replace rear windshield/ pull down right quarter glass to give way to replace right quarter panel

h) chassis alignment (minor)
-rear

i) wheel alignment via quick check 1350

j) upholstery wworks
-replace roof lining/right rear linings

k) interior detailing with engine wash

l) mount/dismount tires per wheel
-right rear magwheel

m)aircon works
-replace AC Condenser

n) replace radiator assy

o) check engine performance

Sa parts, mahaba yung listahan. so ang question ko is, what's the best option:
a) have everything repaired with Honda
b) have it repaired to insurance company's accredited repaired shop
c) get money from total loss then have it repaired with some cheaper repair shop?
d) any other suggestions?

**shadow** · February 5th, 2015 01:28 PM

what do you mean get money from total loss then have it repaired? eh wala ka ng unit pag total loss and file mo sa insurance

**chronicle** · February 5th, 2015 01:44 PM

Insurance mo ang mag shoshoulder ng majority of the expenses.

Wag kang papayag na surplus lang ang ipapalit na mga parts.

Also you cant claim the car ata once na declare na as total loss. so di mo sya mapapagawa.

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**zirkel** · February 5th, 2015 02:05 PM

Originally Posted by shadow

what do you mean get money from total loss then have it repaired? eh wala ka ng unit pag total loss and file mo sa insurance

pag declared syang total wreck, i get to keep the car. tapos ang makukuha ko is sum insured (420,000 pesos) minus salvage value.

**_Qwerty_** · February 5th, 2015 02:10 PM

pag total wreck the insurance company gets the car..

medyo matagal na process yan.. baka kulang 6 months dyan..

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pag total wreck the insurance company gets the car..

medyo matagal na process yan.. baka kulang 6 months dyan..

**zirkel** · February 5th, 2015 02:14 PM

Originally Posted by _Qwerty_

pag total wreck the insurance company gets the car..

medyo matagal na process yan.. baka kulang 6 months dyan..

- - - - - - - - - - - - - - - - - - - - - -

pag total wreck the insurance company gets the car..

medyo matagal na process yan.. baka kulang 6 months dyan..

no, my insurance policy says that i get to keep the car. tapos ang makukuha ko is sum insured (420,000 pesos) minus salvage value.

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Originally Posted by _Qwerty_

pag total wreck the insurance company gets the car..

medyo matagal na process yan.. baka kulang 6 months dyan..

- - - - - - - - - - - - - - - - - - - - - -

pag total wreck the insurance company gets the car..

medyo matagal na process yan.. baka kulang 6 months dyan..

no, my insurance policy says that i get to keep the car. tapos ang makukuha ko is sum insured (420,000 pesos) minus salvage value.

**1D4LV** · February 5th, 2015 02:22 PM

you have an insurance.... ipasok mo sa casa.... comprehensive naman yan and dapat wala kang aabunohan.

**Yuki13** · February 5th, 2015 02:26 PM

^ok yan ah, you get the car and the cash.

do you really want to repair the car? IMO spend the cash on a brand new unit

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^ok yan ah, you get the car and the cash.

do you really want to repair the car? IMO spend the cash on a brand new unit