Total Loss Process - What to expect?

**Andreiiacoma** · August 4th, 2019 05:06 PM

Originally Posted by Ness

Magkaiba po ng insurance. Mas okay yung sa kanila kasi in just a month, settled na.
But yung samin naman po, kaka receive lang namin ng offer. May dalawang breakdown, isa without salvage value, yung isa with. So in my understanding, ung computation ng with salvage value is if we retain the vehicle tama po?

About 30k ung na depreciate na value sa insured amount. Any advise po?

Grabe sir buti pa kayo may offer na, kami wala pa, since first week of july pa kami nag pasa. Kelan ba kayo sir nag pass ng requirements nyo? Saka bakit ang laki ng na depreciate? Kelan ba kayo nag renew ng insurance at kelan po ang naging incident?

**Ness** · August 10th, 2019 11:26 AM

Originally Posted by Andreiiacoma

Grabe sir buti pa kayo may offer na, kami wala pa, since first week of july pa kami nag pasa. Kelan ba kayo sir nag pass ng requirements nyo? Saka bakit ang laki ng na depreciate? Kelan ba kayo nag renew ng insurance at kelan po ang naging incident?

Bago pa lang po yung car. 3months old. June 23 po yung incident. Pinasa agad namin the next day yung mga requirements. Nag sign na po kami ng offer. Kesa wala, umoo na lang kami, d naman na din siguro lugi.

Anyone who know pre term fee ng bank sa auto loan? Sec bank po kami

**fleas2016** · August 10th, 2019 12:43 PM

When I paid off my loan 1-2 years ago, security bank charged me P700. Not bad at all.

Make sure their interest calculation is correct.

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**Andreiiacoma** · August 11th, 2019 08:07 PM

Originally Posted by Ness

Bago pa lang po yung car. 3months old. June 23 po yung incident. Pinasa agad namin the next day yung mga requirements. Nag sign na po kami ng offer. Kesa wala, umoo na lang kami, d naman na din siguro lugi.

Anyone who know pre term fee ng bank sa auto loan? Sec bank po kami

Sir lumabas na agad yung check nyo? After signing nung offer letter? If hindi pa po mga ilang days daw po kaya bago nila marelease? Thanks!

**Ness** · August 27th, 2019 09:13 AM

Originally Posted by Andreiiacoma

Sir lumabas na agad yung check nyo? After signing nung offer letter? If hindi pa po mga ilang days daw po kaya bago nila marelease? Thanks!

Lumabas na po nung friday. Naibayad na din po namin. Thank God naman, after 2mos settled na.

Ang inaasikaso na lang namin is yung refund ng excess payment kay bank. D pa namin alam paano ung process.

**Philowns** · August 28th, 2019 03:42 PM

Hello po. Nabangga ko (Innova 2007) ung isang kotse (Vios 2019) sa intersection. Pareho sila may comprehensive insurcance. Ung Vios 2019 mukang total wreck na. Ngayon, ung kabilang driver nagdedemanda na bayaran ko ung loan (monthly amortization) nya habang pinapa repair/pinoproseso pa ung Vios nya. "Loss of Use" bali. Anong legal action dapat gawin dito? Sobrang mahal kasi monthly nya. P20k/month.

Note: Andami ko na sinagot (medical nila + CT scan) Sobrang sakit na sa ulo .

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**Sleepcare** · August 28th, 2019 03:47 PM

Originally Posted by Philowns

Hello po. Nabangga ko (Innova 2007) ung isang kotse (Vios 2019) sa intersection. Pareho sila may comprehensive insurcance. Ung Vios 2019 mukang total wreck na. Ngayon, ung kabilang driver nagdedemanda na bayaran ko ung loan (monthly amortization) nya habang pinapa repair/pinoproseso pa ung Vios nya. "Loss of Use" bali. Anong legal action dapat gawin dito? Sobrang mahal kasi monthly nya. P20k/month.

Note: Andami ko na sinagot (medical nila + CT scan) Sobrang sakit na sa ulo .

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Dapat kasi insurance to insurance na nag-uusap niyan. Wag na makikisali sa usapan kapag ganyan. Gagatasan lang kayo..

**timming_gear** · August 28th, 2019 03:58 PM

Originally Posted by Philowns

Hello po. Nabangga ko (Innova 2007) ung isang kotse (Vios 2019) sa intersection. Pareho sila may comprehensive insurcance. Ung Vios 2019 mukang total wreck na. Ngayon, ung kabilang driver nagdedemanda na bayaran ko ung loan (monthly amortization) nya habang pinapa repair/pinoproseso pa ung Vios nya. "Loss of Use" bali. Anong legal action dapat gawin dito? Sobrang mahal kasi monthly nya. P20k/month.

Note: Andami ko na sinagot (medical nila + CT scan) Sobrang sakit na sa ulo .

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Mag pa demanda ka na lang. Akala ba nola ganon ganon lang mag demanda. [emoji23][emoji23] At wala naman kamo may gusto ng aksidente.. Kaya mainam talaga may comprehensive safety first..

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**sirkosero** · August 28th, 2019 09:16 PM

Originally Posted by Philowns

Hello po. Nabangga ko (Innova 2007) ung isang kotse (Vios 2019) sa intersection. Pareho sila may comprehensive insurcance. Ung Vios 2019 mukang total wreck na. Ngayon, ung kabilang driver nagdedemanda na bayaran ko ung loan (monthly amortization) nya habang pinapa repair/pinoproseso pa ung Vios nya. "Loss of Use" bali. Anong legal action dapat gawin dito? Sobrang mahal kasi monthly nya. P20k/month.

Note: Andami ko na sinagot (medical nila + CT scan) Sobrang sakit na sa ulo .

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Opportunista nabangga mo. Dapat lahat may kasulatan.

Hayaan mo magdemanda. Gamitin mo insurance mo. Insurance na bahala sa kanya

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