Insurance hack

[Aiai]

I can't believe that someone will ask this question... What's supremely unbelievable is that some people condone this with an answer. Shame!

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?

Pano po pagka naibigay na po yung LOA sa casa po pwede pa kaya icash out na lang po tapos sa talyer na lang ipapagawa?