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Verified Tsikot Member
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February 5th, 2015 10:47 PM #21Here is the table of depreciation rate that the Insured will shoulder if ever there will be parts replaced:
Vehicle up to 3 years - none
3-4 years - 20%
4-5 years - 25%
5-6 years - 30%
6-7 years - 35%
7 years and older - 40%
Mechanical parts such as tie rods, ball joints, shock absorbers, tires, batteries - 45% after 3 years and older
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February 6th, 2015 09:13 AM #22
Unless you own a shop... give the insurance company the car.
420k minus deductible... if they declare the car as worth more than 150k... lugi ka na.
Ang pagbalik ng comeback...
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Verified Tsikot Member
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February 6th, 2015 12:32 PM #23
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Verified Tsikot Member
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February 6th, 2015 12:36 PM #24Wow that's very helpful, sir! nakalagay sa policy ko na "In case of a total loss, the Assured shall keep the salvage arising from the loss. Claims settlement shall be based on the sum insured less the salvage value of the damaged unit."
My question is, yung sum insured nya is P426,465.00. The policy was issued on September 11, 2014. May depreciation rate pa bang ibabawas sa sum insured na yan? Also, what's a fair amount for the salvage value? I'm thinking kasi na most likely, tataasan nila yung salvage value. syempre i want to get the most benefit as possible naman sa sitwasyon na to.
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Verified Tsikot Member
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February 6th, 2015 12:44 PM #25The insurance policy says "in case of a total loss, the Assured shall keep the salvage arising from the loss. Claims settlement shall be based on the sum insured less the salvage value of the damaged unit". Sir, what do you think is a fair amount for salvage value para hindi ako malugi? Hindi ko din kasi alam gagawin sa sasakyan after nito e.
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The insurance policy says "in case of a total loss, the Assured shall keep the salvage arising from the loss. Claims settlement shall be based on the sum insured less the salvage value of the damaged unit". Sir, what do you think is a fair amount for salvage value para hindi ako malugi? Hindi ko din kasi alam gagawin sa sasakyan after nito e.
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Tsikoteer
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February 6th, 2015 01:46 PM #26Kung 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
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Verified Tsikot Member
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February 6th, 2015 06:22 PM #28dapat ang basehan ng claim mo is ung insured amount na Php 426,465.00 less participation less the "X amount of depreciation (ito ung dapat na depreciation rate lang na nakalagay sa taas)" plus the salvage value of the car. wag na wag kang papayag (iaatempt nila) na idepreciate pa yan from september 2014 up to the date of accident.
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dapat ang basehan ng claim mo is ung insured amount na Php 426,465.00 less participation less the "X amount of depreciation (ito ung dapat na depreciation rate lang na nakalagay sa taas)" plus the salvage value of the car. wag na wag kang papayag (iaatempt nila) na idepreciate pa yan from september 2014 up to the date of accident.
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Verified Tsikot Member
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February 6th, 2015 06:47 PM #29ahh okay so tama ba to sir, P426,465 minus participation minus (25% of P426,465) minus salvage value (because the policy says im keeping the car)?
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ahh okay so tama ba to sir, P426,465 minus participation minus (25% of P426,465) minus salvage value (because the policy says im keeping the car)?
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Tsikot Member
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May 11th, 2015 08:14 AM #30Re: 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.Last edited by jenny01_mars13; May 11th, 2015 at 08:26 AM. Reason: Patulong po pls.
Buhay na buhay ang BGC this evening. Bukas halos lahat ng restaurants. Sabi pa nung isang cashier...
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