HELP!!! nabangga kotse ko!!! what to do???

**mbeige** · September 17th, 2006 05:16 PM

You are entitled to have it repaired sa shop na gusto mo. That's part of having insurance. Insist that you want it done near your place, ikaw na nga yung nabiktima ikaw pa yung dapat mag-adjust? Mali ata yon...

**OTEP** · September 17th, 2006 10:46 PM

Ask for the list of shops na accredited ng insurance nila (hindi lang isang shop iyan).

Kung wala kang type, pwede naman cash settlement but the insurance will take vehicle age and depreciation into account so baka mas maliit makuha mo. Though sometimes kahit maliit nakuha mo, kasya pa din.

E.g. Yung naatrasan kong Civic ng pinsan ko, ang akala ng Alex insurance ang magbabayad = Php12k

Nung dinala ni too_jealous yung Honda niya sa Alex with worse damage but in the same areas as my cousin's Civic, Php4,500.00 daw ang charge. Sinabi niya kasi na cash basis (out of pocket) ang payment. Not via insurance.

**orly_andico** · September 17th, 2006 11:06 PM

i had a similar issue some time ago. with that damage, siguro mga 30k to 35k yan sa casa.

since the L300 is a 2006 model, siguradong may comprehensive insurance yun. mandatory 3-year comprehensive na ngayon eh. and hindi lang iisa ang shop ng insurance na yan. they're probably trying to cheap out by not claiming on their insurance because i think for a new vehicle, mataas masyado yung participation which they will have to shoulder (20k+ siguro).

**snipermax28** · September 18th, 2006 05:06 AM

kaya lang hindi pa rin nila ipinapakita yung insurance policy nila. Di ko tuloy makita yung list ng shops na available......di naman nasagot sa text......

so hindi ko pala pwedeng basta dalhin sa casa? kailangan makita muna yung list ng shops then decide if i want cash settlement....ok got it...

**OTEP** · September 18th, 2006 11:56 AM

Yup, that's why you have to check kung sino ang shops ng insurance before getting a policy. Yung Starex ngayon nasa casa ng Ssangyong because yun ang shop ng insurance policy na nakuha.

**snipermax28** · September 19th, 2006 06:22 AM

sir how about this.,,, ako na lang muna gumastos para lang magawa na yung kotse ko then file na lang ako ng kaso tutal may police report naman eh....

ok kaya yun?

**OTEP** · September 19th, 2006 09:40 AM

Baka naman lalong gumulo. Baka naman talagang may intention yung kabilang party na ipagawa sasakyan mo tapos bigla mo silang kakasuhan. Try mo muna mag-follow up.

Matagal din iyan minsan. Yung sa kasama ko hindi pa din nag-start yung hearing eh first quarter of this year pa siya nabangga. Nagtatago yung kabilang party.

**baiskee** · September 19th, 2006 01:37 PM

yep...wag mo muna kasuhan. baka magkalimutan lang kayo. pilitin mo makuha list of accredited shops nila, kung kinakailangan magalit ka dahil puro hassle na binibigay syo.

**snipermax28** · September 21st, 2006 08:37 AM

just went to honda sta rosa kahapon for quotation....

136,000!!! woooaahhh!! malaki-laking halaga yun.... its way more than i expected. but they told me to insist na sa casa dalhin since original parts yung nadamaged dapat orig parts din ang replacement and not surplus...and lalong di raw pwede yung repair or masilya....tutal insurance naman magbabayad....

Nakuha ko na rin pala yung Insurance provider nung nakabangga. ayaw talaga ibigay kundi pa hr manager kinausap ng kuya ko di pa namin malalaman...bkit kaya?

anyway its Prudential Guarantee and Insurance Co.

I will try to contact them later this day.... kailangan na kasing magawa yung kotse, kinakalawang na yung may damaged eh...

**OTEP** · September 21st, 2006 10:38 AM

Insurance estimates are exaggerated on purpose. That is not the actual cost of your damage.

Actually, if you take it to a non-casa professional workshop, they will still use original and brand new parts depending on your agreement.

Good to know there's progress. Balitaan mo na lang kami.