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.