Total Loss Process - What to expect?

**Philowns** · August 29th, 2019 06:49 PM

Salamat sa mga reply mga bossings. Medyo new member lang kasi ako dito.

Anyway, sabi ng bangko titigil naman daw ung monthly pag na file na ung total wreck na claim ng insursnce nila. Ngayon, iba naman demands nya, ginagamit nya daw kasi ung kotse para sa business nya. Kami daw dapat mag shoulder ng loss of business profit nya habang wala ung kotse. Sobrang sakit na sa ulo.

So by saying na "hayaan ko sya mag demanda" ibig ba sabihin ipasulat ko sa kanya mga demands nya tapos ipapasa ko sa insurance?

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**ray_noel** · August 29th, 2019 07:05 PM

Originally Posted by Philowns

Salamat sa mga reply mga bossings. Medyo new member lang kasi ako dito.

Anyway, sabi ng bangko titigil naman daw ung monthly pag na file na ung total wreck na claim ng insursnce nila. Ngayon, iba naman demands nya, ginagamit nya daw kasi ung kotse para sa business nya. Kami daw dapat mag shoulder ng loss of business profit nya habang wala ung kotse. Sobrang sakit na sa ulo.

So by saying na "hayaan ko sya mag demanda" ibig ba sabihin ipasulat ko sa kanya mga demands nya tapos ipapasa ko sa insurance?

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Demanda by means of appearing in court...
let him discuss his demands sa insurance mo...

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**shadow** · August 29th, 2019 08:56 PM

Originally Posted by Philowns

Salamat sa mga reply mga bossings. Medyo new member lang kasi ako dito.

Anyway, sabi ng bangko titigil naman daw ung monthly pag na file na ung total wreck na claim ng insursnce nila. Ngayon, iba naman demands nya, ginagamit nya daw kasi ung kotse para sa business nya. Kami daw dapat mag shoulder ng loss of business profit nya habang wala ung kotse. Sobrang sakit na sa ulo.

So by saying na "hayaan ko sya mag demanda" ibig ba sabihin ipasulat ko sa kanya mga demands nya tapos ipapasa ko sa insurance?

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Huwag mo na kausapin. Walang kwenta kausap, anyway since nag uusap na mga insurances ninyo. Hinde ka na dapat makipagusap.

Pag nangunglit sabihin mo kausapin niya na lang insurance mo.

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**istan** · August 29th, 2019 09:24 PM

Tama. Wag mo na kausapin.

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**sirkosero** · August 29th, 2019 10:57 PM

Originally Posted by istan

Tama. Wag mo na kausapin.

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Naganyan dati boss ko. Kung anu ano demand ng nabangga nya. Ang sabi sa kanya ng insurance namin wag pansinin.

Magdedemanda raw yung other party. Sagot sa kanya ng insurance namin, okay. "Demanda sya dami natin abogado". Di na nya pinansin.

Di naman naghabol.

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**elileoon** · September 3rd, 2019 11:39 PM

Hello po mga Sir/Ma’am,

I would just like to ask your opinion lang po. My car was declared Total Loss, I would just like to ask lang po kung ano po ang i-eexpect kong range ng offer nila sakin? Please see details below:

Unit: Honda City VX 2016
Duration: 4 Years
Insured Amount: Php 654,700.00
Remaining Amortization: Php 240k

Mayroon pa po kaya akong makukuha sa sa insurance na at least Php 450k?

Salamat po!

**_Qwerty_** · September 5th, 2019 01:41 PM

baka more likely 300K na lang..

Originally Posted by elileoon

Hello po mga Sir/Ma’am,

I would just like to ask your opinion lang po. My car was declared Total Loss, I would just like to ask lang po kung ano po ang i-eexpect kong range ng offer nila sakin? Please see details below:

Unit: Honda City VX 2016
Duration: 4 Years
Insured Amount: Php 654,700.00
Remaining Amortization: Php 240k

Mayroon pa po kaya akong makukuha sa sa insurance na at least Php 450k?

Salamat po!

**Mc.mendiola** · September 23rd, 2019 11:21 AM

Hello Newbie here,

To cut the long story short, 4 months old palang kotse namen nung maaksidente and declared na ni insurance (Prudential) na total loss and super baba ng first offer.

My question is ano ano po kayang options pede namen gawin?
Pwede po kayang kunin namen yung cheque from the insurance so we can buy a new car in cash and then continue nalang yung binabayaran namen with BDO dun sa naaksidente na car ?

OR direcho talaga yung cheke kay BDO to fully pay the car and then whatever kung meron man dun lang kami makakakuha ng refund? Thanks in advance

**_Qwerty_** · September 23rd, 2019 03:50 PM

diretso na sa banko yun.. pag may natira yun ang sayo.

**sirkosero** · September 23rd, 2019 06:58 PM

Originally Posted by Mc.mendiola

Hello Newbie here,

To cut the long story short, 4 months old palang kotse namen nung maaksidente and declared na ni insurance (Prudential) na total loss and super baba ng first offer.

My question is ano ano po kayang options pede namen gawin?
Pwede po kayang kunin namen yung cheque from the insurance so we can buy a new car in cash and then continue nalang yung binabayaran namen with BDO dun sa naaksidente na car ?

OR direcho talaga yung cheke kay BDO to fully pay the car and then whatever kung meron man dun lang kami makakakuha ng refund? Thanks in advance

Check your policy and contract sa bank.

Kung ang pinirmahan mo ay derecho sa bank ang proceeds at excess lang mapupunta sayo, ganun talaga mangyayari.

Basahin ang kontrata at policy sa susunod. Madami katanungan ang masasagot nito.

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