Na-sandwidch na tsikot

[sirangkotse]

fellow tsikoters,

i had a bad day kahapon...na-sandwidch yung tsikot ko sa ng dalawang dumptruck ...na iisa lang ang may-ari dyan sa may ortigas.

may comprehensive insurance naman daw yung mga truck nila at yung insurance nila ang mag-aayos based dun sa usapan sa police station.

I told sa insurance agent nila that my car is casa-maintained and sabi niya is baka mag-usap din sila ng casa just in case...but parang di sya sure...

Nung una dadalhin daw nila sa shop nila para tignan but I told her na totally wrecked na yung harapan at likod. Nasa MMDA compound ngayon yung tsikot ko.

My car is CRV 1999 model.

First time nangyari sa akin ito kaya hindi ko alam kung ano yung diskarte na di ako malulugi sa situation na ito....

I would like to seek your opinion/suggestions please...

Thanks a lot.

[j_avonni]

Sorry to hear about your horrible accident.

I was just wondering how the accident happened. Your car was sandwiched but the affected areas are the front and rear.

Claim against the dump trucks insurance company (what's the company?) to avoid the costs of participation/deductible and depreciation. Deductible is .5 or 1% of your insured value; while the depreciation is 40 or 45% of the costs of the parts to be replaced.

You could insist on casa repair; but if the insurance company insisted on its one of the accredited shops, choose the best repair shop.

Also, please check if the damage to your vehicle could warrant a declaration of total loss (the repair estimate must be at least 75% of the value of your car) If so, you may declare it as total loss and get the cash settlement.



:toma: 2954

[sirangkotse]

thanks for the quick reply sir j.

CRV 1998 pala yung sa akin...

Mukhang ok yung cash settlement kasi lugi na ako sa repair and hirap ng ibenta ito...

What would be your cash figure for this sir?

[mazdamazda]

Hot tip: you can always insist that on what shop your car should be repaired. Although for collision repair - the casa option is the best some times. There are other better collision specialists out there.

How much is the insured value of your vehicle? I had an accident before but the repair amount only amount to 50% of the insured value and it was repaired close to the original specs.

[shadow]

ouch!!... ano ba exactly nangyari???

[BlueBimmer]

98 CRV fmv is around 350-380k

[wrcastro_ph]

Kung ire-repair yan. insist mo na lang na sa Honda service center dalin. pero kung sa labas naman ay dapat sa mga reputable shops at wag sa mga maliliit na talyer at baka di nila maibalik yung balance ng car mo.

.... ang worst is ... baka i total wreck na lang yan and cash settlement na lang.

... sayang naman sir yung CRV mo.

[JagXtrm]

for me, i'd declare the vehicle as 'total wreck' tapos kunin na lng yng money from insurance & buy another car...

mukhang malaki na ang damage, saka pag tinamaan na rin ang chasis & some parts ng engine, siguradong mas malaki pa ang repair costs kaysa bumili na lng ng ibang car

[jvdejesus05]

i'd go with the cash settlement na rin kung di din naman siguradong 90% or more maibabalik sa original ang repair but the down side of it is that we're not sure kung magkano ang cash settlement and baka kasya lang sya for a downpayment for a new car or settle for a 2nd hand vehicle... syang sir ang CRV... may pics po b?

[bengkok]

for me ganun din ,,better if cash settlement para makapamili k kung san mo gus2 iparepair or buy a new car n lng