Insurance hack

[Yatta]

1. Pwede bang icash out nalang ung naestimate sa damage?
2. Since per accident ang bayad P2,000, pwede bang create your own damage nlng na idadamay mo na yung katabi para mapagawa nadin since may sira din yung katabi?
3. Pag nanakaw na o total loss, bibigyan ka ba ng brand new tapos tuloy yung monthly amort?

1. Insurance pays the shop, unless its a total loss (but only if the car is fully paid).

2. Pwede, but you have to document the whole thing, like how did the damage occur, where and when.

3. Case to case ito eh. My neighbor totaled his AUV less than a month from purchase. Pinalitan ng brand new unit at tuloy ang monthly. Yung ka-grupo ko naman totaled din, binayaran lang yung bank for the balance ng natitirang loan. Binigyan langbsiya ng konti (<P50k).

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