condolence sa nangyari.. medyo nakak-stress mga ganyan pero wala na tayo habol pag hit and run..

sa insurance ang alam ko eh passenger car at commercial vehicle na category.. luxury car na ba category pag above 1M ang sasakyan?

i think you can request the insurance company that you want to pay the passenger car rate para mas mura participation (0.5 percent).. mas mahal nga lang annual fee..