Car Insurance

[BAISANAN]

hi re sa motor claim you should complete the req. like copy drivers lic., pix of damage, police report, repair estimate, then submit to your  insurance co., pwede mong dalhin sa casa for repair estimate pero kung hindi mo mahihintay ang insurance pwede mo naman ipagawa na then cash settlement ka nalang sa insurer mo. hope it helps.

[BAISANAN]

that's good atleast sasagutin ng insurance ng nakabangga, as s.o.p need mo pa rin ma report sa insurance mo. kadalasan insurance to insurance ang naguusap. pag ganyang may claim sa renewal mag tataas ang premium pero u have an option na ilipat sa iba para maka hanap ka ng lower premium.

[annamarie88]

Okay kaya sa Pink Wheels? Under pala ito sa UCPB, nice ng website nila hehe

[ieiky]

Hi mga sis, I purchased my car Dec 2012, kasama sa promo and 1 yr comprehensive insurance and 3 yrs TPL.

Need ko na magparenew ng registration this year. Need ko ba talaga mag purchase ng comprehensive  insurance?(naka mortage siya 'till Dec 2015 and August ako dapat mag pa renew ng registration sa LTO)

[cindylulu]

^yes you need to get a comprehensive insurance since it is still mortgaged.

[ieiky]

Awww. Ang saklap! ang mahal ng comprehensive.

Hindi naman nagagamit 'yung sasakyan namin ng madalas.

Saan kaya medyo mura? Nagtingin ako sa net at nasa 25-20K ang para sa kotse ko.

[rychel07]

That depends kasi sa market value ng vehicle. I have a ford fiesta, got my comprehensive from my dealer na din, almost 20k.

[Len0523]

Have you guys experienced dealing with MAPFRE Insurance?
They sent the proposal I confirmed thru email. After almost a month, hindi pa rin nila nappick up yung check, and I decided to cancel na lang.
However, they are billing me with different taxes:

First: VAT daw! Hahaha. and I said no. I have not paid anything yet. WHy the tax should be advanced?
And they stopped.
2nd: I have to pay Documentary Tax na daw. WHat the!?

---------
I did not sign the insurance docs and it was not even paid yet. How come?

[cindylulu]

^our crv was first insured with mapfre but di na namin ni-renew. we transferred to standard. that was way back 2002. i did not encounter any prob with them though kasi i had no claims naman.

with your case right now, assuming naman masyado ang accounting dept nila. how can they bill you if they have no contract and receipt to support their billing? anong klaseng accounting yun? sino kaya ang auditor ng mga to hmm. anyway sis, just insist your point.     

[Len0523]

They were insisting me to pay taxes , since I cancelled the insurance daw from them.

I said, tax payment is on 20th of the following month.
And surely, they will not remit anything for me in my behalf since I paid nothing yet.

[daydreamer]

I have mapfre for my car's insurance. So far, di naman ako nag kaproblem sa pag claim sa kanila.

[huggykaye]

^lagi ko nga ito naririnig sa radyo, mas madali daw mag claim dito compared sa ibang insurance companies...

[BAISANAN]

once ang compre naissued na at pina cancel more than a month maniningil talaga ng taxes and charges..

[super bratinella]

We are now looking for insurance kasi this September expire na current insurance namin actually hubby is the one taking care of this pero kasi baka may mas ok with good deal..

[bratty]

^yes sis. That's why TPL or third party liability is required by LTO for every car registration. Ang insurance mo ang sasagot sa damage sustained ng car na binangga mo. as for the damage sustained by your car, dito papasok ang on-damage feature ng insurance and you have to pay a participation fee sa insurance mo when they assess the damage.

Hi Sis,
I am back... Sadly, kami naman ang nakabangga... 1st time kaya hingi sana ako ng opinion. May kailangan ba ako bayaran kung insurance to insurance ang mag-uusap? Kasi tumawag na yung insurance agent ng kabila, asking us to pay the participation fee of 7k... ganun ba talaga? Ang bigat

Last na nabangga kami nung 2012, kami pa nga nagbayad ng participation fee. Mula nun never na kami nagclaim sa insurance. May minor gasgas pero kami na nagpaayos... sayang yung insurance.

[BAISANAN]

usually ang babayaran mo lang is yung participation fee.

[bratty]

^Thanks for the reply. Participation fee for which vehicle? Kasi from sis cindylulu's reply

^as for the damage sustained by your car, dito papasok ang on-damage feature ng insurance and you have to pay a participation fee sa insurance mo when they assess the damage.

Sa pagkaintindi ko, yung participation fee na babayaran ko is para sa sasakyan ko.


TIA

[bratty]

Hello sa lahat... Na-confirm ko na sa insurance agent namin na wala kaming babayaran, all damages will be handled by them. As for the damage ng sasakyan namin, di ko muna diniscuss kasi inuna ko yung kabila, nakakahiya kasi dahil sa abala.

Loko yung insurance agent ng kabila! Hmp!

[jesusadusa]

when your vehicle is more than five years old ang hirap na kuhanan ng comprehensive insurance.  nakaka inis lang 

[BAISANAN]

not at all sis meron pari namang tumatanggap na insurance co. basta in good condition pa.