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  1. Join Date
    Apr 2010
    Posts
    235
    #21
    Bro Tigasin,

    Malamang ang iyong sasakyan ay isang SUV..

    May mga category kasi ang mga sasakyan at magkaiba ang mga rates or premium nila. Eto ang halimbawa ng mga category natin..

    PRIVATE: Mga kotse, sedan tulad ng city, civic, vios, altis, sentra, lancer, etc.. Mas mataas ang rate pero mas mababa ang deductible or participation.

    COMMERCIAL/Medium to heavy: Trucks, pick-ups.

    Tanong mo, saan ang mga SUV? Well, parang mestizo kasi ang SUV. Minsan pinapasok sa Private, minsan naman sa commercial. Pero kalimitan ay sa commercial/light pinapasok yun unless nirequest yan ng Insured.

  2. Join Date
    Jun 2008
    Posts
    30
    #22
    Wow! Thanks for this info about TPL guys, mas na enlighten ako regarding what I'm paying for this stuff kada pa-rehistro ako ng ride ko. Kala ko dati once paid na yung comprehensive insurance oks na

  3. Join Date
    Sep 2005
    Posts
    356
    #23
    Guys, here's my case. We got involved in a minor accident with another vehicle. No major damages, just scratches and dents on both vehicles. Sinubmit na namin sa insurance namin (BPI/MS) yung lahat ng requirements para ma-process yung pagpapaayos dun sa other vehicle. Question: covered ba yung pagpapaayos sa other vehicle ng TPL? May participation ba na dapat naming bayaran?

  4. Join Date
    Apr 2010
    Posts
    235
    #24
    It's not covered by the ordinary CTPL but its covered if you have a comprehensive coverage with VTPL. You dont pay any participation for the repair of the 3rd party vehicle, but you need to pay the participation for the repair of your own vehicle..

  5. Join Date
    Oct 2007
    Posts
    1,324
    #25
    Quote Originally Posted by rj_tim View Post
    Guys, here's my case. We got involved in a minor accident with another vehicle. No major damages, just scratches and dents on both vehicles. Sinubmit na namin sa insurance namin (BPI/MS) yung lahat ng requirements para ma-process yung pagpapaayos dun sa other vehicle. Question: covered ba yung pagpapaayos sa other vehicle ng TPL? May participation ba na dapat naming bayaran?
    1. Yes your TPL covers the repair of the other car up to policy limits.

    2. Yes, your participation will be 2000 pesos for PC or 3000 for CV.

  6. Join Date
    Dec 2006
    Posts
    16
    #26
    Quote Originally Posted by mark_t View Post
    1. Wala kang kopya ng ctpl kasi nawala. It happens. So you call the dealer what insurance co. they used for the ctpl and request for a reprint of the policy. It is not a problem really.

    2. To correct the details on your OR/CR you have 2 options.
    a) do it yourself by going to the LTO for the necessary process.
    b) pay a car registration assistance provider to do it for you.

    boss mark_t, san po kita pwede ma-contact? ang galing mo sa non-life gusto ko sana mag-try mag-agent from scratch nga lang tia.

  7. Join Date
    Jan 2012
    Posts
    4
    #27
    Mga sir may question lang ako, nawawala kasi yung CTPL namin, namisplaced ng father ko at di na namin makita, makakakuha pa ba kami ng copy nun? ibang tao kasi yung nagprocess nun kaya di ko sure kung sang insurance kinuha, pero last July 2011 lang naman nagparehistro father ko sa LTO Muntinlupa.

  8. Join Date
    Oct 2011
    Posts
    26,770
    #28
    Quote Originally Posted by bon21stalker View Post
    Mga sir may question lang ako, nawawala kasi yung CTPL namin, namisplaced ng father ko at di na namin makita, makakakuha pa ba kami ng copy nun? ibang tao kasi yung nagprocess nun kaya di ko sure kung sang insurance kinuha, pero last July 2011 lang naman nagparehistro father ko sa LTO Muntinlupa.


    Do you still recall the name of the insurance company for your CTPL?

  9. Join Date
    Jan 2012
    Posts
    4
    #29
    Quote Originally Posted by Retz View Post
    Do you still recall the name of the insurance company for your CTPL?
    Hindi na sir e.

  10. Join Date
    Oct 2011
    Posts
    26,770
    #30
    Quote Originally Posted by bon21stalker View Post
    Hindi na sir e.

    sino ang ibang tao nag process nun? he should know.

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What's TPL?