Quote Originally Posted by iamchardie23 View Post
Hello.

I bought my brand new toyota wigo last July 31, 2017 inclusive of People's Gen Comprehensive Insurance. Just last October 21, 2017, I accidentally bumped the wall on the steep road of Batangas due to lack of break. I got minor injuries together with my 4 colleagues inside the car. I brought my car to the nearest center of my car dealer. I submitted all the requirements needed including the Police Report for my claims. Suddenly, as per estimation, the car dealer may declare "total loss" with my unit.

Can I still demand for the replacement of my car if they cannot fix it? What is the best way to handle this? My car is just 2 months old under my name and experienced this "lack of break", can I still demand to bring back my car in a good condition or replacement of the unit without shouldering any costs?

Thank you in advance.

IF the car is declared "total loss", the insurance will negotiate with you; a) replace the car b) pay you cash... Either way there will be "depreciation cost" on you.

If this is mortgaged, the bank will be paid... Not you. Upside is, you don't owe the bank anymore.

Repairing the car is not an option when it is declared total loss.

Read your insurance policy, it's good that you have an insurance.

Whatever happens, be thankful no one got seriously hurt.