total loss or possible repair?

[dct]

Kung ano nakalagay yan na yung amount na ibibigay sayo. Claim as total loss na lang. Sakit rin sa ulo ang ganyan. May mga hindi nila mapperfect dyan

[jaypee10]

baka gusto mo TS ibenta ung tsikot mo as is PM mo sa akin presyo

[jenny01_mars13]

Re: Car Insurance
Ako po ay may comprehensive insurance policy sa MAA , ang akin pong kotse na mitsubishi lancer 2012 ay na aksidente nuong march 11,2015 sa kennon baguio city at ito po ay declared nilang total loss from the beginning dahil na din po sa laki ng damage at cost of estimate, kung kaya nung ito ay mga 1 month pa lng ay tinawagan nila ako at sabi ay i total loss nila sa halagang 400k. Ang sabi ko po ay bakit po ganon ito po ay nka covered ng 500k nung ni renew ko sa knila ng february at nung march ay na aksidente nga po bkit ho kako ganon sabi po ay ksi 20% depreciation daw ho, eh sbi ko po binasa ko ang policy kpag total loss ay hindi mag aapply ang depreciation dhil ito ay sa parts lng o repair at not pag total loss. Sabi po ay hanggang 450k sabi ko po ay dagdagan nila kasi feb lng nila ni renew insurance at march pa lng nagka aksidente nga. So sabi po ay sasabihin sa commitee. Ngayon po ay antay ako ng antay at mag 2 buwan na po hindi nila ako ina update kung ano na po nangyari, ang text at tawag po ay hindi nila sinasagot, pero knina po ay nag follow up ako at sumagot na sabi po for repair ang aking kotse! 2 buwan po ako halos nag antay , sabi nila ay total loss hindi lng po ako pumayag na covered nila ng 500k pero gusto nila ay 400k ang ibigay at ngayon nabigla po ako na repair po at sa kung saan na talyer lng na sabi po ay surplus ang gagamitin pra po abot sa 300k na sagot lng ng MAA. At magbabayad pa po ako ng participation at depreciation. Total loss po nauwi sa repair at wala po akong pagpayag dun. paano po ba ang aking karapatan? Malinaw po na ako ay pinapaikot ng MAA, ako po ay hindi
Sang ayon sa repair at dahil halos ikamatay po ito ng aking asawa at kami po ay umasa sa sinabi nilang total loss ito inabot na ng ganito katagal. Kinausap ko po sila pero wla po silang masabi kundi ito daw po ay may LOA na, pwede po ba yun khit ako ay hindi pa nag a agree.

[Juan Martinez]

Re: Car Insurance
Ako po ay may comprehensive insurance policy sa MAA , ang akin pong kotse na mitsubishi lancer 2012 ay na aksidente nuong march 11,2015 sa kennon baguio city at ito po ay declared nilang total loss from the beginning dahil na din po sa laki ng damage at cost of estimate, kung kaya nung ito ay mga 1 month pa lng ay tinawagan nila ako at sabi ay i total loss nila sa halagang 400k. Ang sabi ko po ay bakit po ganon ito po ay nka covered ng 500k nung ni renew ko sa knila ng february at nung march ay na aksidente nga po bkit ho kako ganon sabi po ay ksi 20% depreciation daw ho, eh sbi ko po binasa ko ang policy kpag total loss ay hindi mag aapply ang depreciation dhil ito ay sa parts lng o repair at not pag total loss. Sabi po ay hanggang 450k sabi ko po ay dagdagan nila kasi feb lng nila ni renew insurance at march pa lng nagka aksidente nga. So sabi po ay sasabihin sa commitee. Ngayon po ay antay ako ng antay at mag 2 buwan na po hindi nila ako ina update kung ano na po nangyari, ang text at tawag po ay hindi nila sinasagot, pero knina po ay nag follow up ako at sumagot na sabi po for repair ang aking kotse! 2 buwan po ako halos nag antay , sabi nila ay total loss hindi lng po ako pumayag na covered nila ng 500k pero gusto nila ay 400k ang ibigay at ngayon nabigla po ako na repair po at sa kung saan na talyer lng na sabi po ay surplus ang gagamitin pra po abot sa 300k na sagot lng ng MAA. At magbabayad pa po ako ng participation at depreciation. Total loss po nauwi sa repair at wala po akong pagpayag dun. paano po ba ang aking karapatan? Malinaw po na ako ay pinapaikot ng MAA, ako po ay hindi
Sang ayon sa repair at dahil halos ikamatay po ito ng aking asawa at kami po ay umasa sa sinabi nilang total loss ito inabot na ng ganito katagal. Kinausap ko po sila pero wla po silang masabi kundi ito daw po ay may LOA na, pwede po ba yun khit ako ay hindi pa nag a agree.

Ma'am/Sir, i- appeal mo sa Insurance Commissioner (IC). Ito yung address ng IC:

Atty. Emmanuel F. Dooc
Insurance Commissioner,
1071 United Nations Avenue, Ermita, Manila,

Attention:

ATTY. JOSEPH P. OSIAS
Head of Division
Public Assistance and Information Division

ito din yung phone numbers nila:

Tel. # 523-84-61 up to 70 (Trunk Line), 525-20-15 (Office of the Insurance Commissioner), 524-47-84 (Office of the Deputy Commissioner).


- yung motor vehicle policy po natin ay Open Policy. Meaning, in the event of a total loss, yung insurance company ay mag bayad ng ACTUAL FAIR MARKET VALUE ng inyong sasakyan. Ang basehan po ng actual fair market value ay kung ano yung value ng sasakyan mo immediately prior to the loss, atsaka yung actual fair market value is subject to the sum insured which is the maximum limit for which the insurance company is liable.
kung total loss naman, yung depreciation clause di na mag apply.

Ang sa inyo po, na-renew nyo yung insurance mo sa February 2015 for 500k as the insured amount of your car then a month later nangyari yung total loss at babayaran kayo ng 400k kasi sabi sayo may depreciation. sa tingin ko po unfair yan. no.1, wasto po kayo na di naman mag apply yung depreciation clause. no. 2 , yung actual fair market value from the term itself must be FAIR. one month lang nakalipas 100k na yata na- deducted sa value ng sasakyan mo. generally, 10 per cent lang yung annual depreciation sasakyan natin.

ideally, within 30 from the time you have communicated your loss, magbayad na yung insurance company. after that, they are liable for interest.

I hope this helps.

[cejlariba]

Ma'am/Sir, i- appeal mo sa Insurance Commissioner (IC). Ito yung address ng IC:

Atty. Emmanuel F. Dooc
Insurance Commissioner,
1071 United Nations Avenue, Ermita, Manila,

Attention:

ATTY. JOSEPH P. OSIAS
Head of Division
Public Assistance and Information Division

ito din yung phone numbers nila:

Tel. # 523-84-61 up to 70 (Trunk Line), 525-20-15 (Office of the Insurance Commissioner), 524-47-84 (Office of the Deputy Commissioner).


- yung motor vehicle policy po natin ay Open Policy. Meaning, in the event of a total loss, yung insurance company ay mag bayad ng ACTUAL FAIR MARKET VALUE ng inyong sasakyan. Ang basehan po ng actual fair market value ay kung ano yung value ng sasakyan mo immediately prior to the loss, atsaka yung actual fair market value is subject to the sum insured which is the maximum limit for which the insurance company is liable.
kung total loss naman, yung depreciation clause di na mag apply.

Ang sa inyo po, na-renew nyo yung insurance mo sa February 2015 for 500k as the insured amount of your car then a month later nangyari yung total loss at babayaran kayo ng 400k kasi sabi sayo may depreciation. sa tingin ko po unfair yan. no.1, wasto po kayo na di naman mag apply yung depreciation clause. no. 2 , yung actual fair market value from the term itself must be FAIR. one month lang nakalipas 100k na yata na- deducted sa value ng sasakyan mo. generally, 10 per cent lang yung annual depreciation sasakyan natin.

ideally, within 30 from the time you have communicated your loss, magbayad na yung insurance company. after that, they are liable for interest.

I hope this helps.

Good day mga Sirs, maybe matulongan nyo po ako, wala kasi ako kakilala na may same experience pra mapagtanungan ko.. I'm an ofw kasi po and ryt now nasa trabaho po ako,..my toyota hi-ace commuter got into an accident in August 02, mdyo malaki po tlga ang damage, repairable nmn daw kaya lng sabi ng insurance nag exceed sa maximum n pwd nla eparepair..my car insured value is 800k..and sabi nla mga 700k daw ang cost ng repair kya total loss n daw....mdyo mabigat po sa akin kasi una sa lahat first and only car ko lng po ito and besides mattapos ko n dpat ang mortgage sa january 2019 5 months nlng po sana..kaya lng accidents happen ppo tlga kht san..ntsambahan lng tlga yung sskyan ko...
.sabi ng insurance total loss daw, bbyran nla ako sa insured value minus the remaining amount na kulang ko sa bank..na magging more or less 650k maibalik sa akin...kaya lng po i wl los around 900k which is wla akong choice. Ang point ko lng po sir kasi kung ako lng tlga massunod i would prefer na e repair ang sskyan ko kaht na gagasto ako kaysa nmn matalo lng yung pinaghirapan ko ng ilang taon...ngayon since sabi ng insurance na total loss, is der any way po ba to counter der evaluation s cost ng repair ng sskyan ko..kasi i tried to ask some shops and show dem the pix, dey assure na repairable nmn daw and dey even gve me der estimated cost of repair...whch is way below dan 700k dan the insurance was telling...can i say no to the total loss claim and insist for the repairs?and maybe meron po kayong mga kakilala n shop na magaling gumawa...

[_Qwerty_]

ano ba ang damage? baka kahit i repair eh hindi na safe gamitin yung sasakyan?

bili ka na lang nang bago sir.

Good day mga Sirs, maybe matulongan nyo po ako, wala kasi ako kakilala na may same experience pra mapagtanungan ko.. I'm an ofw kasi po and ryt now nasa trabaho po ako,..my toyota hi-ace commuter got into an accident in August 02, mdyo malaki po tlga ang damage, repairable nmn daw kaya lng sabi ng insurance nag exceed sa maximum n pwd nla eparepair..my car insured value is 800k..and sabi nla mga 700k daw ang cost ng repair kya total loss n daw....mdyo mabigat po sa akin kasi una sa lahat first and only car ko lng po ito and besides mattapos ko n dpat ang mortgage sa january 2019 5 months nlng po sana..kaya lng accidents happen ppo tlga kht san..ntsambahan lng tlga yung sskyan ko...
.sabi ng insurance total loss daw, bbyran nla ako sa insured value minus the remaining amount na kulang ko sa bank..na magging more or less 650k maibalik sa akin...kaya lng po i wl los around 900k which is wla akong choice. Ang point ko lng po sir kasi kung ako lng tlga massunod i would prefer na e repair ang sskyan ko kaht na gagasto ako kaysa nmn matalo lng yung pinaghirapan ko ng ilang taon...ngayon since sabi ng insurance na total loss, is der any way po ba to counter der evaluation s cost ng repair ng sskyan ko..kasi i tried to ask some shops and show dem the pix, dey assure na repairable nmn daw and dey even gve me der estimated cost of repair...whch is way below dan 700k dan the insurance was telling...can i say no to the total loss claim and insist for the repairs?and maybe meron po kayong mga kakilala n shop na magaling gumawa...

[SkyFlakes88]

Basta po yun insurance nyo ay tama sa fair market value nun time na ininsure nyo bale fully insured po kayo. Meaning at the time na ininsure nyo e 500k ang fair market value. Yun insurance po nag declare na total loss bale you should get around 490+k kasi po may kaunting less sa participation etc.

The insurer will try to offer you syempre the cheapest they think you will accept. If you deny it they up their offer until finally they get you to agree.

In this case d po tama na i withdraw nila yun declaration nila na total loss since siguro po 40% ang damage nang kotse nyo. Kaya you can reject again their offer and seek the help of the insurance commission to get a ruling in your favor as you feel that you are being short changed here sir.

[bmontellano]

[QUOTE=SkyFlakes88;2539040] Hingi po aq advise. Mejo parehas po kami ng situation. Ang u it q po ay kia picanto AT 2015. Market value po ng unit.ay 650. Standard Insurance po sa Alabang. Nabili po unit ng Feb. 2015 accidentally nabangga po nu g Sept. 2015. Wala pa po 1 year. Ngayon po mag 2 months nko nag ffollow up. Sabi saken ipasa ko daw mga orig docs sa main office nila. Including the statement of car loan fron the bank. Tama po ba un na ibbgay q sa kanila ung statement from bank? Magkano po dapat ang ibabayad ng insurance sa akin? TIA

[ninjababez]

double cheese burger

[ninjababez]

[quote=bmontellano;2633754]

Hingi po aq advise. Mejo parehas po kami ng situation. Ang u it q po ay kia picanto AT 2015. Market value po ng unit.ay 650. Standard Insurance po sa Alabang. Nabili po unit ng Feb. 2015 accidentally nabangga po nu g Sept. 2015. Wala pa po 1 year. Ngayon po mag 2 months nko nag ffollow up. Sabi saken ipasa ko daw mga orig docs sa main office nila. Including the statement of car loan fron the bank. Tama po ba un na ibbgay q sa kanila ung statement from bank? Magkano po dapat ang ibabayad ng insurance sa akin? TIA

since bank owned pa yung car (acquired via loan), bank ang babayaran ng insurance mo bro.
kung kunyari 650k ang insured value ng car mo tapos, 750k pa ang remaining balance mo, magbabayad ka pa ng 100k sa bank (remaining balance ng loan, could be lower kasi di naman full ang term), parang ganun pagkakaintindi ko.

[baludoy]

Baka pag maayos naman bro hindi na siya safe at matibay. Might as well bili na lang ng bago to save you from further headaches & more importantly para safe family mo. Tutal kikitain nyo din naman uli iyong money loss nyo.

Ika nga better be safe than sorry.

do what you gotta do so you can do what you wanna do

[jut703]

Market value ng 2013 Hiace Commuter ngayon nasa 700k.

So kung bibigyan ka ng banko ng 650k for your totaled car, good deal na yan.

Kung gusto mo talaga na may kotse ka, edi bili ka ng 2013 Commuter, dagdag ka lang 50k. At least hindi pa naaksidente yung unit na mabibili mo.

Sent from my SM-G950F using Tapatalk

[bongbojador]

pahingi din po ng advise regarding my case, my car got into an accident last month, it was driven by my wife, she accidentally hit
another car,sinagot na po ng insurance ko yung nabangga ni wife thru third party liability, lumabas na yung LOA nya, yung sa kotse
ko ang hingi ko ng advise, it is a 2018 suzuki vitara GLX bought last dec 2017,7 months old at the time of the accident in house po ng suzuki yung comprehensive insurance, ang estimate ng casa sa damage eh less than 600k, damage sa car eh nabunot yung left front wheel, front left suspension,front fender, konting gasgas sa bumper, gasgas konti yung headlight and 2 airbag in front eh nag deploy, bale gulong sa gulong po kasi yung nag tama kaya wala masyado damage yung body, insurance inform me na total lost na daw, naka insure po yung kotse ng 1.048 M, Im still waiting for their offer kung magkano ang makukuha ko, hindi po naka loan sa banko yung kotse, any idea po kung mga magkano ng magiging settlement nila, kung sa fair market value eh wala pa namang ibinebenta na 2nd hand na 2018 vitara, kung meron mang depreciation eh mga ilang percent po kaya, salamat sa sasagot

[jut703]

pahingi din po ng advise regarding my case, my car got into an accident last month, it was driven by my wife, she accidentally hit
another car,sinagot na po ng insurance ko yung nabangga ni wife thru third party liability, lumabas na yung LOA nya, yung sa kotse
ko ang hingi ko ng advise, it is a 2018 suzuki vitara GLX bought last dec 2017,7 months old at the time of the accident in house po ng suzuki yung comprehensive insurance, ang estimate ng casa sa damage eh less than 600k, damage sa car eh nabunot yung left front wheel, front left suspension,front fender, konting gasgas sa bumper, gasgas konti yung headlight and 2 airbag in front eh nag deploy, bale gulong sa gulong po kasi yung nag tama kaya wala masyado damage yung body, insurance inform me na total lost na daw, naka insure po yung kotse ng 1.048 M, Im still waiting for their offer kung magkano ang makukuha ko, hindi po naka loan sa banko yung kotse, any idea po kung mga magkano ng magiging settlement nila, kung sa fair market value eh wala pa namang ibinebenta na 2nd hand na 2018 vitara, kung meron mang depreciation eh mga ilang percent po kaya, salamat sa sasagot

Around 30% less than SRP.

Sent from my SM-G950F using Tapatalk

[bongbojador]

Around 30% less than SRP.

Sent from my SM-G950F using Tapatalk

malaki kung 30%, pag ganyan eh ipilit ko na lang na ipagawa sa casa, as per suzuki eh hindi naman daw compromise ang safety kung gagawin, and under warranty pa naman sa kanila if ever na merong lumabas pa na sira

[dr. d]

malaki kung 30%, pag ganyan eh ipilit ko na lang na ipagawa sa casa, as per suzuki eh hindi naman daw compromise ang safety kung gagawin, and under warranty pa naman sa kanila if ever na merong lumabas pa na sira

my concern would be, as it is the gulong that seems to have taken the brunt, the car might have body alignment issues that no visit to the wheel alignment shop can fix.

if total loss, the insurance will give you the money, but they will also take your car.
i wonder, how much will they give you, if they will not take the car? and will it be enough to have the car repaired in the casa, knowing casa bills are usually way beyond banawe bills? remember that the car is new in the local market, and parts outside the casa will probably be difficult to come by.

[Woof]

malaki kung 30%, pag ganyan eh ipilit ko na lang na ipagawa sa casa, as per suzuki eh hindi naman daw compromise ang safety kung gagawin, and under warranty pa naman sa kanila if ever na merong lumabas pa na sira

Agree. Ganito stance ng insurance kasi alam nila wala ka depreciation na ilalabas for all the replaced parts since wala pa one year yung sasakyan mo. This is a case na mapupuruhan sila on the claim since you only pay a measly participation fee. They will low ball you an offer, have the car repaired at a fraction of the cost of the casa-quoted figure and then resell the car at a profit. Malakas motivation to do the aforementioned kasi bagong bago at modelo pa yung saskyan.

Contest the extent of the repair and parts that need to be replaced and insist on having it repaired. Matrabaho at mabusisi lang but what you want is a FAIR repair estimate that will form the basis of your insistence that your insurance takes the repair. The casa usually grossly inflates the bill if they know that it is going to be covered by insurance.

I have some idea of your damage since meron kami sasakyan na ganun din yung tama dati. Masagwa lang tingnan but it is not nearly as expensive or difficult to fix as it looks. Palit subframe, shocks, suspension bits, tapos alignment lang plus repaint of affected panels. Maski sa casa pagawa hindi dapat more than P150k. Sa akin napa ayos ko ng P22k - sa labas lang nga.

Basag ba yung mags mo?

[AlexiSharma3113]

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?

bili ka na lang ng bago kuya ang mahal e hahahaha jk