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  1. Join Date
    Sep 2019
    Posts
    4
    #141
    Quote Originally Posted by _Qwerty_ View Post
    diretso na sa banko yun.. pag may natira yun ang sayo.
    Thanks

  2. Join Date
    Sep 2019
    Posts
    4
    #142
    Quote Originally Posted by sirkosero View Post
    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.

    Sent from my MI MAX 2 using Tapatalk
    Thanks

  3. Join Date
    Nov 2019
    Posts
    8
    #143
    Sayang naman, i hope u get as much compensation from ur insurance

  4. Join Date
    Nov 2019
    Posts
    8
    #144
    Quote Originally Posted by dct View Post
    Total lost talaga yan. Lugi na ipagawa. Magawa man, di na safe yan

    Sent from my SM-N950F using Tapatalk
    Sayang naman, katulad din ng altis ko, 2 months ko pa lng na gagamit, 2`d hand 2015 altis insured by bpi ms. Basag yung harap abot engine. Will i get a new one or will they pay me for a new car?

  5. Join Date
    Nov 2019
    Posts
    8
    #145
    Quote Originally Posted by playplugg View Post
    Total Wreck,

    Kahit hindi damaged ang engine pero worst case scenario, talagang nilapirot na lata ang sasakyan, Accident involved na while driving or parking at nadaganan ng sobrang bigat na bagay, (construction area zone, or logging zone, naputol ang puno pero nabagsakan ang sasakyan, dyan pasok ang total wreck)

    Total loss naman or known as "Totaled".


    Driving or silently naka-park ang sasakyan, once tinamaan ang "Engine" or other critical parts sa under-chassis , considered as "Totaled"

    Due to "Economic beyond Repair" Mas mataas pa yung gastos ng repair ng sasakyan kaysa dun sa total value assessment, lalo kung depreciated na at phase-out na yung model ng sasakyan..


    Ganito lang, submit all the requirements dun sa insurance, (HPG report [police report at local TMPO] incident since meron naman involvement na other vehicle, medical kung merong natamong injuries, at cleared na hindi under-influence sa alak or other illegal substances, kung naka installment naman ang insurance [comprehensive] bayaran ang remaining balance ng full para tumakbo agad yung processing ng claims)..

    Once na lumabas yung assessment, kung magkano ba yung total damages ng sasakyan, at dun sa babayaran for replacement..

    Dyan na magkakatalo...


    Not mistaken, once na naka-loan yan, pero once na wreck or totaled, considered na bayad na yan... up to the owner kung gusto magkaroon ng replacement ng vehicle to retain or upgrade, pero, may babayaran dyan syempre...(kung luckily alive)

    Pero once "Expired ang comprehensive, naka-inom or gamit sa TNVS/Rent a Car pero hindi registered, totally nulled and void...
    Thanks sa info, totaled my 2nd hand 2015 toyota altis manual G variant, 2 months ko palang kinuha, nka loan din sa bpi auto loan. Bpi ms yung insurance. Do you think they will replace it and retain lng yung loan ko, bayaran ko lng as is. Or will they use the money to pay the loan in full and give me whats left?.???

  6. Join Date
    Nov 2019
    Posts
    8
    #146
    Quote Originally Posted by playplugg View Post
    Total Wreck,

    Kahit hindi damaged ang engine pero worst case scenario, talagang nilapirot na lata ang sasakyan, Accident involved na while driving or parking at nadaganan ng sobrang bigat na bagay, (construction area zone, or logging zone, naputol ang puno pero nabagsakan ang sasakyan, dyan pasok ang total wreck)

    Total loss naman or known as "Totaled".


    Driving or silently naka-park ang sasakyan, once tinamaan ang "Engine" or other critical parts sa under-chassis , considered as "Totaled"

    Due to "Economic beyond Repair" Mas mataas pa yung gastos ng repair ng sasakyan kaysa dun sa total value assessment, lalo kung depreciated na at phase-out na yung model ng sasakyan..


    Ganito lang, submit all the requirements dun sa insurance, (HPG report [police report at local TMPO] incident since meron naman involvement na other vehicle, medical kung merong natamong injuries, at cleared na hindi under-influence sa alak or other illegal substances, kung naka installment naman ang insurance [comprehensive] bayaran ang remaining balance ng full para tumakbo agad yung processing ng claims)..

    Once na lumabas yung assessment, kung magkano ba yung total damages ng sasakyan, at dun sa babayaran for replacement..

    Dyan na magkakatalo...


    Not mistaken, once na naka-loan yan, pero once na wreck or totaled, considered na bayad na yan... up to the owner kung gusto magkaroon ng replacement ng vehicle to retain or upgrade, pero, may babayaran dyan syempre...(kung luckily alive)

    Pero once "Expired ang comprehensive, naka-inom or gamit sa TNVS/Rent a Car pero hindi registered, totally nulled and void...
    Quote Originally Posted by cast_no_shadow View Post
    Those free may mga catch kasi yan. Nothing is free.

    Nakwento ko na ito before, when I got my car the bank offered free 1st year insurance.

    Who reads those tiny fine print diba? Hehe

    Catch is naka lock in ako for the duration of my loan.

    Ayun higher premiums ang kapalit. Binawi at kumita pa lalo sila.

    To opt out binayadan ko na lang yung “free” na inoffer saken.


    Sent from my iPhone using Tapatalk
    Tangina, may ganun pala?

  7. Join Date
    Nov 2019
    Posts
    8
    #147
    Quote Originally Posted by Philowns View Post
    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?

    Sent from my vivo 1723 using Tapatalk
    Insurance na talaga dapat diyan ser

  8. Join Date
    Nov 2019
    Posts
    8
    #148
    Quote Originally Posted by playplugg View Post
    Total Wreck,

    Kahit hindi damaged ang engine pero worst case scenario, talagang nilapirot na lata ang sasakyan, Accident involved na while driving or parking at nadaganan ng sobrang bigat na bagay, (construction area zone, or logging zone, naputol ang puno pero nabagsakan ang sasakyan, dyan pasok ang total wreck)

    Total loss naman or known as "Totaled".


    Driving or silently naka-park ang sasakyan, once tinamaan ang "Engine" or other critical parts sa under-chassis , considered as "Totaled"

    Due to "Economic beyond Repair" Mas mataas pa yung gastos ng repair ng sasakyan kaysa dun sa total value assessment, lalo kung depreciated na at phase-out na yung model ng sasakyan..


    Ganito lang, submit all the requirements dun sa insurance, (HPG report [police report at local TMPO] incident since meron naman involvement na other vehicle, medical kung merong natamong injuries, at cleared na hindi under-influence sa alak or other illegal substances, kung naka installment naman ang insurance [comprehensive] bayaran ang remaining balance ng full para tumakbo agad yung processing ng claims)..

    Once na lumabas yung assessment, kung magkano ba yung total damages ng sasakyan, at dun sa babayaran for replacement..

    Dyan na magkakatalo...


    Not mistaken, once na naka-loan yan, pero once na wreck or totaled, considered na bayad na yan... up to the owner kung gusto magkaroon ng replacement ng vehicle to retain or upgrade, pero, may babayaran dyan syempre...(kung luckily alive)

    Pero once "Expired ang comprehensive, naka-inom or gamit sa TNVS/Rent a Car pero hindi registered, totally nulled and void...
    So do you have the option to get a new car w the money and continue paying the loan of pay the loan amount in full pero wla ng car?? Hehe noob here

  9. Join Date
    Mar 2008
    Posts
    52,516
    #149
    is it correct to assume, that the insurance money will go to the mortgage holder, to pay for the car?
    only if there is some left over, will you-the-car-"owner" be given the excess?
    and if the insurance won't fully cover the mortgage bill, "owner" will still have to fork over more money to the bank?

  10. Join Date
    Nov 2019
    Posts
    8
    #150
    Quote Originally Posted by boybi View Post
    Total loss claim amount should be the insured value of the vehicle. Basta the insurance adjuster deemed the vehicle as total loss, wala ng tawaran yan. Yung deductible lang ang bawas.

    For a 10 month old car, wala pang depreciation yan, makukuha mo pa ang full value of your car less the deductible.

    Processing time will depend on your relationship with your insurer. Connection and palakasan din yan.
    bought a 2nd hand toyota altis 1.6 G variant 2 months ago, i was involved in a car accident recently, i know wla pang depreciation yan kasi 2 months pa lng, can i expect this to happen? kasi yung BPI MS insurance coverage for the car is 492,000 pero yung appraisal ng bpi autoloan is 360k+ i had to cover pa the difference from the price of the seller which is 500k originally, inutang ko pa yung 100k. now i think totaled na yung car kahit d pa na evaluate dahil abot machina yung damage. what can i expect from BPI MS, will they give me the total amount of the insured amount to buy a new car and continue the loan agreement??? or will they give me an amount according to the fair market value of the vehicle and payoff the loan and the remaining amount is mine???? pls help

Total Loss Process - What to expect?