Subaru insurance- In house or external?

[arnoldc]

Hi folks, I just want to ask what is the insurance option that the owners here availed of...

I was told there are 2 in-house companies:

1. Mercantile
2. MAA

Honestly, I haven't heard any of them.

Should I pick one of them? Which one? or go with Generali-BDO?

My CR-V was insured with People's and I never had problems with claims, ever. I want the same experience pa din sana.

Please advise.

TIA

[james00112233]

I'm also searching for MAA pero wala rin akong makitang info/comments/feedbacks.
Any tsikoters here na may experience sa MAA would be a good help.

[arnoldc]

Here's what I got from BDO...

[SIZE=2][SIZE=2]MOTOR - COMPREHENSIVE[/SIZE][/SIZE][SIZE=2]
[/SIZE][SIZE=2][SIZE=2]Own Damage / Theft P 1,088,000.00[/SIZE]
[SIZE=2]Voluntary Third Party Liability - [/SIZE]
[SIZE=2]Bodily Injury[/SIZE]
[SIZE=2]P 300,000.00[/SIZE]
[SIZE=2]Voluntary Third Party Liability -[/SIZE]
[SIZE=2]Property Damage[/SIZE]
[SIZE=2]P 300,000.00[/SIZE]
[SIZE=2]Auto Personal Accident P 250,000.00[/SIZE]

[SIZE=2]Acts of God P 1,088,000.00[/SIZE]

[SIZE=1][SIZE=1]P34,207.70

For the Impreza 2.0R Sport
[/SIZE][/SIZE][/SIZE]

[james00112233]

Here's what I got from BDO...

[SIZE=2][SIZE=2]MOTOR - COMPREHENSIVE[/SIZE][/SIZE]
[SIZE=2][SIZE=2]Own Damage / Theft P 1,088,000.00[/SIZE][/SIZE][SIZE=2]
[SIZE=2]Voluntary Third Party Liability - [/SIZE]
[SIZE=2]Bodily Injury[/SIZE]
[SIZE=2]P 300,000.00[/SIZE]
[SIZE=2]Voluntary Third Party Liability -[/SIZE]
[SIZE=2]Property Damage[/SIZE]
[SIZE=2]P 300,000.00[/SIZE]
[SIZE=2]Auto Personal Accident P 250,000.00[/SIZE]

[SIZE=2]Acts of God P 1,088,000.00[/SIZE]

[SIZE=1][SIZE=1]P34,207.70[/SIZE][/SIZE][SIZE=1]

[SIZE=1]For the Impreza 2.0R Sport[/SIZE]
[/SIZE][/SIZE]

what is the deductible/participation fee?

[arnoldc]

[SIZE=2][SIZE=2]Php 2,000.00 each and every loss[/SIZE]

[/SIZE][SIZE=2][SIZE=2]Acts of God - 1% minimum of Php 10,000[/SIZE]

ps.

Tapos 3 payments, 60 days to pay.[/SIZE]

[arnoldc]

I will now answer my own question based on fact and experience.

I went with BDO Insurance, which brokered the deal to Prudential. I was surprised hindi ipinasok sa Generali.

Two weeks passed since I got my car and my windshield was hit by a nut along NLEX and was cracked (as big as 5 centavos).

Dealing with BDOI is a PITA. I paid the insurance in full (that's fine by me) to make a claim, BUT they still debited the 2nd installment from my account. Up to now, di pa nila binabalik.

It was only on December 22 that they gave Motor Image the go signal to work on my car.

[jevy0712]

Sorry to hear that sir. Bakit ganun katagal? Wala na bang insurance company na pwedeng pagpilian sa motor image?

[arnoldc]

Yesterday was even more sakit ng ulo because I was billed P5,440 for my participation fee, when my policy stipulates P2,000 lang. It was corrected but I wasted half of my day at Motor Image.

It was too late when I found out na may Malayan palang in-house ang Motor Image. It could have been better, perhaps.

ps.

Di pa din bumabalik yung double debit ko!

[phuongtim59]

I'm also searching for MAA pero wala rin akong makitang info/comments/feedbacks.
Any tsikoters here na may experience sa MAA would be a good help.

I accept with information: [SIZE=2][SIZE=2]Own Damage / Theft P 1,088,000.00[/SIZE]
[SIZE=2]Voluntary Third Party Liability - [/SIZE]
[SIZE=2]Bodily Injury[/SIZE]
[SIZE=2]P 300,000.00[/SIZE]
[SIZE=2]Voluntary Third Party Liability -[/SIZE]
[SIZE=2]Property Damage[/SIZE]
[SIZE=2]P 300,000.00
__________________
Argentina tours
[/SIZE][/SIZE]

[mrpink]

my forester is insured by malayan .. or whatever it's called right now .. i don't remember .. i've been using malayan for all my auto insurance needs for the past 10 years ..