Hi Newbie Grrl with Newbie question

**safeorigin** · January 20th, 2008 02:09 PM

hmm... marami atang maka lito atienza rito ha

anyways, better get an insurance than none at all. even the best drivers can get their cars damage ya know.

**userfriendly** · January 20th, 2008 05:26 PM

Originally Posted by ricasantos18

My car is medyo new. Two years old but I bought second hand from my cousin. Better they said to get a car from someone you know. So my cousin left the country and now I have been told insurance is up.

Mataas ba ang possibility na ma-accident yung kotse?

Careful naman ako mag drive.

What are recommended insurance companies and what are not recommended. I just do not want to be taken for a ride kasi. Hehe.

May kwento kasi friend ko na na-accident po at parang pahirapan pa sa Malayan.

Put it this way, kahit ikaw ay napakaingat, eh pano yung mga lokolokong driver. An accident can happen anytime.

Stay away from Malayan.

**j_avonni** · January 20th, 2008 05:59 PM

If you can afford it, buy a comprehensive insurance for your car. Otherwise, just be careful and pray harder while driving.

:eat: [SIZE="1"]3391[/SIZE]

**shadow** · January 20th, 2008 07:21 PM

Mataas ba ang possibility na ma-accident yung kotse?

walang may alam, kaya nga accident eh....

Careful naman ako mag drive.

careful ka nga, kung ikaw naman ang binangga?

May kwento kasi friend ko na na-accident po at parang pahirapan pa sa Malayan.

it's much worse kung na accident siya and wala siyang insurance...

**bratski** · January 20th, 2008 08:10 PM

depende rin pala yung premiums ng insurance on what car you drive, kung nakawin yun car like fortuner etc, sigurado mas mataas premium mo. Kung 2nd hand lang siya mag TPL ka nalang since mahal talaga ang comprehensive. or you can go comprehensive and declare mo mas mababa value than your car's actual worth para mababa rin sisingilin sayo. for example: if your car is worth 800k pwede mo sabihin sa agent na 500k lang dedeclare ko, ang talo mo lang sa mababang declaration is kung nanakaw car mo or total wreck, which is ang babayaran lang sayo is yung amount declared

**ricasantos18** · January 20th, 2008 11:44 PM

Originally Posted by userfriendly

Put it this way, kahit ikaw ay napakaingat, eh pano yung mga lokolokong driver. An accident can happen anytime.

Stay away from Malayan.

Is there a problem with Malayan?

**teeyoh** · January 21st, 2008 01:53 AM

It's best to have the comprehensive insurance coverage. No one knows when accident happen so better prepared for it.
Anyway paki-share naman kung ano car make/model yung ride mo?

**VtEC** · January 21st, 2008 05:52 AM

welcome to tsikot.com

it's still good to have a comprehensive insurance compared to TPL.nobody can tell when and where an accident will occur.

**shadow** · January 21st, 2008 09:04 AM

Originally Posted by bratski

Kung 2nd hand lang siya mag TPL ka nalang since mahal talaga ang comprehensive. or you can go comprehensive and declare mo mas mababa value than your car's actual worth para mababa rin sisingilin sayo. for example: if your car is worth 800k pwede mo sabihin sa agent na 500k lang dedeclare ko, ang talo mo lang sa mababang declaration is kung nanakaw car mo or total wreck, which is ang babayaran lang sayo is yung amount declared

I disagree with this statement, even if you have a second hand car, you should always get a comprehensive insurance...and why undervalue your car? ikaw rin ang malulugi in the end....

I think there should be a law na lahat ng sasakyan dapat meron comprehensive insurance and not just CTPL....

ang sa akin lang if you can't afford to get a comprehensive insurance for your car then you should not allowed to own one...

maraming insurance companies ngayon na they give terms sa payment ng premiums, meron 3-4 gives..so hinde na rin mabigat na kumuha...