My 2 month old Vios, binangga!

[Babnoy]

Yesterday around 4pm while cruisin' marcos highway, a st*pid bicycle rider bumped the rear right passenger side door of my vios

The result...Isang pagkahaba-haba at pagkalalim-lalim na gasgas!






Sobrang laking abala. We have to go and get a police report sa Ultra. Tapos yung may-ari ng bisekleta, wala daw maipambabayad. Mukhang pagtataguan pa ko pagkatapos makunan ng statement TSK! So malamang shoulder ko lahat ng expenses.

QUESTION:
Pwede bang papalitan sa casa yung buong door through insurance? I don't want to have it re-painted coz I know it will never be the same as it was when I bought it originally. Mga magkano kaya magagastos ko and gaano katagal kaya hihintayin ko?

Also, tinawagan ko yung Manager ng Toyota, di daw sasagutin ng insurance yung damage since di pa fully paid yung premium when I already issued 3 post dated checks in advance From what I understand, considered as paid na yun! Bakit ganun? Please advise. TIA

[imperialv]

*babnoy...

ganun talaga ang insurance.. you need to pay them in full in order to claim your damages. Your option is to get your post-dated check and pay them out-right. Hindi ba na explain sa iyo ng manager yan.

Kung gasgas lang yan, i doubt if papalitan yan ng insurance... Kung isang pintuan lang yan.. baka mas konti ang hassle nya kapag sa auto shop mo na lang papaint yan.. I cannot see the actual damage.. baka walang 5K ang magagastos mo yan.. assuming na isang panel lang yan. There are good paint shop na kapag tumira you won't see the difference.

IMHO, if ever papalitan yan ng pintuan, ganun din ang process, they will manually paint the door since wla naman color ang door kapag galing casa..

Look at the positive side, at least yung bike ang nakabangga sa iyo.. kung opposite yan, naku mas sakit ng ulo.. alam mo naman ang mga yan peperahan ka pa nyan..

Yesterday around 4pm while cruisin' marcos highway, a st*pid bicycle rider bumped the rear right passenger side door of my vios

The result...Isang pagkahaba-haba at pagkalalim-lalim na gasgas!






Sobrang laking abala. We have to go and get a police report sa Ultra. Tapos yung may-ari ng bisekleta, wala daw maipambabayad. Mukhang pagtataguan pa ko pagkatapos makunan ng statement TSK! So malamang shoulder ko lahat ng expenses.

QUESTION:
Pwede bang papalitan sa casa yung buong door through insurance? I don't want to have it re-painted coz I know it will never be the same as it was when I bought it originally. Mga magkano kaya magagastos ko and gaano katagal kaya hihintayin ko?

Also, tinawagan ko yung Manager ng Toyota, di daw sasagutin ng insurance yung damage since di pa fully paid yung premium when I already issued 3 post dated checks in advance From what I understand, considered as paid na yun! Bakit ganun? Please advise. TIA

[CVT]

Grabe talaga ang mga iyan,- bubungguin ka tapos ay hindi sila responsible sa damage na nagawa nila.... Heto na nga talaga ang sinasabi na "Tyranny of the Poor", if I remember the term correctly.....

Dapat sa mga iyan ay ipakulong ng mahaba-habang panahon para magtanda. Kasalanan naman niya, di ba?

5404:knit:

[ghosthunter]

Kung walang pang bayad, dapat pwede kunin na lang yung motorcycle as collateral in exchange of cash.

[Babnoy]

Kung walang pang bayad, dapat pwede kunin na lang yung motorcycle as collateral in exchange of cash.

ok nga sana kung motorcycle kaso bisekleta lang po.

[drey]

Dapat alam nyo kung ano ang mga iba't ibang klase ng bike at bike parts para alam mo kung pwede pang collateral.

Good bike parts alone go to prices like > P1000. Bike commuters have plenty of those expensive blings on their bike.

[hominid]

ok nga sana kung motorcycle kaso bisekleta lang po.

Malas lang talaga. Nayari ka pa na pag hindi fully paid ineffective pa. Kung sasagutin na ng insurance pagtiyagaan mo na lang bayaran un participation.

[DonT]

Just consider yourself lucky..let me put it this way.

What if the bicycle rider fell on the pavement, hit his head, and went to comatose. I know who's fault it was, and I also know who needs to pay for it.

[jeremiah]

Just consider yourself lucky..let me put it this way.

What if the bicycle rider fell on the pavement, hit his head, and went to comatose. I know who's fault it was, and I also know who needs to pay for it.

Nice one..

Your still lucky.. alam natin na kahit kasalanan pa nila ay tayo pa rin ang may kaso kapag grabe ang pinsala nila.

[tsupermario]

Also, tinawagan ko yung Manager ng Toyota, di daw sasagutin ng insurance yung damage since di pa fully paid yung premium when I already issued 3 post dated checks in advance From what I understand, considered as paid na yun! Bakit ganun? Please advise. TIA

afaik if the arrangement for the payment of the premium is by installments and there was a partial payment then the insurance is liable. or if there is a credit term for its payment and the term hasn't expired, the insurance is liable upon payment of the premium.