Dents, numerous scratches, and a minor crack on the windshield--covered by insurance?

[Khaleesiiiiii]

Hi guys. Tanong lang po ako. Plano ko sana ipaayos ang car ko, and have the expenses covered by insurance. Ang ipaayos ko po sana ay ung dent sa likod ng car ko, pati numerous na scratches na nag accumulate over time (for some reason magnet ako para sa mga lechugas na mahilig manggasgas). recently may maliit na crack ang windshield ko. I've heard na di raw advisable na ipaayos lang kasi lalaki lang ang scratch and better have it replaced. Ang tanong ko po:

1. Covered po ba lahat ng ipaayos ko ng insurance?
2. If i claim this sa insurance ko, covered parin ba ako for other repairs until the end of my coverage or one time lang ako maka claim? Sensya na if medyo ignorante ung tanong huhu di po ako ganun ka all knowing pag dating sa mga kotse and insurance

[dr. d]

Hi guys. Tanong lang po ako. Plano ko sana ipaayos ang car ko, and have the expenses covered by insurance. Ang ipaayos ko po sana ay ung dent sa likod ng car ko, pati numerous na scratches na nag accumulate over time (for some reason magnet ako para sa mga lechugas na mahilig manggasgas). recently may maliit na crack ang windshield ko. I've heard na di raw advisable na ipaayos lang kasi lalaki lang ang scratch and better have it replaced. Ang tanong ko po:

1. Covered po ba lahat ng ipaayos ko ng insurance?
2. If i claim this sa insurance ko, covered parin ba ako for other repairs until the end of my coverage or one time lang ako maka claim? Sensya na if medyo ignorante ung tanong huhu di po ako ganun ka all knowing pag dating sa mga kotse and insurance

ask your insurance, po. iba-iba kasi ang mga condicciones ng mga insurance natin.
some insurance companies have a hilamos special.

[yebo]

if the damage is from an accident, yes. like the dent on the rear. but you need an accident report ( police report or affidavit, plus pictures). ask your agent what you need kung pwede affifavit or need ng police report. also each area has to be claimed separately especially what you have they are so obvious to be 2 separate events - a dent on the rear and a cracked front windshield. so 2 separate claims need 2 separate reports AND 2 SEPARATE PARTICIPATION FEES. kung 3k ang participation mo then you pay 6k.

the minor scratches are not covered. dapat single accident per claim. you can not accumulate small dings and scratches then claim it as one.