Na-sandwidch na tsikot

**sirangkotse** · May 27th, 2007 08:59 AM

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** · May 27th, 2007 09:36 AM

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** · May 27th, 2007 06:30 PM

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** · May 28th, 2007 09:40 AM

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.