Questions about insurance

[s600]

my 10-months old innova[G] got 1 scratch, 3 small dents and had a tail light broken(it's only a small damage, i used to have it taped),should i claim the insurance(security pacific corp.-bought it from the dealer) and have my innova repaired by the casa, or just repair it by the other auto repair shop?

If i want to claim the insurance, what should i tell to the insurance representative about the damages, damage made by my own? someone told me just tell the insurance rep. that l parked my innova in the street, when i came back, there happens damages on it, will this works?
and how much will be the participation fee? thanks!

[OTEP]

Industry standard rates are usually Php3k/panel.

Hindi ba kaya ng paintless dent removal yung dents? Painting would be my last resort because even though it may appear like a good match at first, the repainted area sometimes has a tendency to age differently than the rest of the car.

[ARB]

usually the participation is .5% of the covered amount. Yes you can claim it sa insurance. just make an affidavit of what happened.

[telulah]

usually the participation is .5% of the covered amount. Yes you can claim it sa insurance. just make an affidavit of what happened.

Mapfre Insular of Spain does not require affidavit or police report, they give you forms for claiming in their kit.

In their study in Europe only about 5% are bogus claims so they offering that service here now...

I can help anyone here who wants to get insurance Mapfre. A lot of motorcycle riders are getting from them now.

[Innova_Boy]

Security insurance, parang sa Otis yan, anyway may scratch din yung sakin nung kinausap ko agent ko paestimate muna sa casa, lumabas less than my participation of 1% kaya sabi sakin, ako daw magbayad niyan sa casa kasi below participation fee.. so what i did after expire ng sa security, hanap ako na kakilala na insurance for renewal, then dun ko na claim na wala na akong bayad sa lahat..... :D

WBR,

[Innova_dean]

Innova Boy,

ung sa akin security pacific din sa otis din.nagasagasan ako 3k nga per panel panit pa pagkagawa sa otis. pwede ba malaman ung insurance mo ngayon at kung magkano ung premium?

[Innova_Boy]

sa Allied insurance, office ia at Federal Towers Binondo.. Premium is at 21K...


WBR,

[busy road]

Innova_boy,
I got mine with minor scratches (see attached pictures). Please help me assess how I can claim my insurance with minimum participation. From casa, they are charging me around 5T.

[Innova_Boy]

Innova_boy,
I got mine with minor scratches (see attached pictures). Please help me assess how I can claim my insurance with minimum participation. From casa, they are charging me around 5T.

Dalawang panel or bumper yan sayo... it all depends sa insurance co kasi kaya it's up to you how you will do it with your insurance co. , sakin kasi yung ibang sasakyan sa kanila ko lahat insured so madali kausap di katulad sa casa.... HTH..


WBR,

[s600]

sa Allied insurance, office ia at Federal Towers Binondo.. Premium is at 21K...


WBR,

Federal Tower is very near from my house, i might renew my insurance from security pacific to Allied insurance next year.
,[/QUOTE]
hanap ako na kakilala na insurance for renewal, then dun ko na claim na wala na akong bayad sa lahat..... does it means you dont have to pay the participation fee? how could this happened? thanks

[ARB]

pwede yan wala kang participation, pa over estimate mo ang job by the amount na ang supposed participation mo.

[delarosa]

pwede yan wala kang participation, pa over estimate mo ang job by the amount na ang supposed participation mo.

As far as I know, kailangan pa rin bayaran ang participation fee. This is the fixed amount you have to pay for every claim, regardless of the claim amount. This is to protect insurance companies against minor claims. Most insurance companies charge 1% of the insured value as participation fee for AUVs and SUVs and 0.5% for cars. but some do offer 0.5% even for AUVs and SUVs.

[Innova_Boy]

Pakiusap mo lang dun sa agent mo , madali naman kausap mga tao nila especially sa claims dept.

WBR,