Hit and run victim

**sHoCkAbSoRbEr** · November 16th, 2003 11:59 AM

This car was properly parked on a legal parking area. Then I just went to a shop nearby to get some stuff, and when I returned I noticed a huge dent on the hatch. Tsk, tsk, tsk... Pity...

This car is insured naman. Usually how much would the participation fee be if I forward the car to the insurance versus the cost would I spend for a third party mechanical shop?

**Ungas** · November 16th, 2003 12:24 PM

Claim it from your insurance, an over estimated cost would be 10k for the painting and restoration process. Multiply by 5% since your vehicle is under a year old. (2 year old vehicles have 8% participation fee on some insurance companies).

Versus, PDR which will cost you 2k and will not remove any cornered dents and paints. If you opt for a third party painter, which would cost you almost the same.

**kimpOy** · November 16th, 2003 12:43 PM

tangnang mga hit and runners iyan, that's the 2nd type of persons i hate.

**boybi** · November 16th, 2003 01:21 PM

Originally posted by Ungas
Claim it from your insurance, an over estimated cost would be 10k for the painting and restoration process. Multiply by 5% since your vehicle is under a year old. (2 year old vehicles have 8% participation fee on some insurance companies).

i beg to disagree, own damage claims are charged a fix 0.5% (for passenger cars) of the vehicle's insured amount as participation fee. commercial vehicles rate is 1%. for vehicles more than 5 yrs old, you will be charged for the depreciation (don't know how to compute this) on top of the participation fee.

so in sHoCkAbSoRbEr's case, i believe the car is less than 2 yrs, with an estimated insured amount of 550,000.00, the participation will be less than 3,000.00

**eyescube** · November 16th, 2003 05:13 PM

grabe naman mga hit & runners na yan, walastik bago pa naman ng CAR ni Ate Shock. post ka ulit ng picture after ng repair Ate Shock...

**OTEP** · November 16th, 2003 07:33 PM

Personally, I would rather have the damage PDR'd rather than run the risk of bad paint matching and dissimilar aging over time.

I can only see one creased dent from the photo. If the PDR person can take that out, he can take out the rest of the dents.

**yebo** · November 16th, 2003 11:03 PM

sa car ko which has a comprehensive insurance, the participation was P3500. maximum cash out yun, plus of course the necessary miscelaneous expenses on getting a police report, pictures, etc. you will need a police report if you want to claim from insurance.

**caloyski5** · November 17th, 2003 12:24 AM

agree ako kay sir otep..PDR..

**OTEP** · November 17th, 2003 01:21 AM

Yung hood kasi ng AE92 ng resident dito sa UST nagkaron ng paint imperfection nung bago pa. Ni-repaint ng casa. Ngayon ang pangit na. Lumabas ang ang hindi pagka-match. Kaya as much as possible ayoko galawin ang pintura, eh.

AC · November 17th, 2003 03:42 AM

ako din.. pdr yan.. kaya siguro yan.. ndi na halata.. but hingin mo pera sa insurance for painting

**bmdj** · November 17th, 2003 04:56 AM

Pangit talaga sa casa mag pa pintura, ang daling kumupas.. "-(

Sir Otep, tanong lng ano yung PDR? TY. (",)

**boybi** · November 17th, 2003 10:29 AM

PDR = Paintless Dent Repair

yebo, just a driver's affidavit can do, no need for police report.

**wildthing** · November 17th, 2003 12:04 PM

As explained by Kimpoys paint technician, mahirap magmatch ng paint color (kahit na me computerized method ng pagdetermine). Its mostly the galing ng color matcher...paints fade through time and exposure to light as per his technician.

Meron pang next na bad trip sa hit and run...yung nagbubukas ng pinto ng car nila sa car park at walang pakialam kahit na matamaan and sides ng doors mo....nagkadimple tuloy ung oto ko dahil sa mga ganyan... :fire:

**1D4LV** · November 17th, 2003 12:06 PM

agree din kay otep, mukhang kaya yan ng pdr.

**Tha_Mann** · November 17th, 2003 02:42 PM

pasingit po... same thing happened to my dad last wk, naka park sya sa parking lot ng Heart center east ave. pag labas nya eh basag na yung tail light nya at dent yung paligid nito pero naka alis na yung naka bangga.. nakuha nung guard yung plate number, pano kaya i pa trace ito? tnx..

**boybi** · November 17th, 2003 03:15 PM

Originally posted by Tha_Mann
pasingit po... same thing happened to my dad last wk, naka park sya sa parking lot ng Heart center east ave. pag labas nya eh basag na yung tail light nya at dent yung paligid nito pero naka alis na yung naka bangga.. nakuha nung guard yung plate number, pano kaya i pa trace ito? tnx..

punta ka sa LTO East Ave. pwede mo ipa-trace dun, pagawan mo ng affidavit yung guard na nakakita.

**Ungas** · November 17th, 2003 03:39 PM

Iba't-ibang policies pala ang participation fees ng insurance companies. Ganun style kasi ang nabasa ko sa Northwest Insurance, 5% on first year, 6% on second year and so forth... :D

**boybi** · November 18th, 2003 01:48 AM

Originally posted by Ungas
Iba't-ibang policies pala ang participation fees ng insurance companies. Ganun style kasi ang nabasa ko sa Northwest Insurance, 5% on first year, 6% on second year and so forth... :D

alam ko standard ang participation na 1% for commercial vehicles and 0.5% for passenger cars. meron mas mababa pero wala akong alam na mas mataas pa kesa dyan.

**Ungas** · November 18th, 2003 10:31 AM

Yung participation na binabanggit ko sa total estimated cost ng repairs not the vehicle value.

**boybi** · November 18th, 2003 02:59 PM

if your car is more than 5 yrs old, you will be charged a certain percentage of the repair cost (they call it depreciation) on top of the participation fee. since bago pa naman ang car ni shock, yung participation fee lang ang babayaran nya sa insurance.

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Hit and run victim

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