AVANZA - comprehensive motor insurance

[dfcsantos]

re: LOA, ako kasi weekly nag followup sa toyota and insurance, and i always make sure i have a copy of the Repair estimate and LOA, yun nga lang.. sobra bagal sa Toyota alabang 2months na sa kanila unit ko partial list pa din..Di nila considered ang headlamp,tailamp,foglamps kahit me tubig sa loob (WTF!) so i insisted na isama yun sa list, dapat daw evaluate pa nila yun ? eh me putek nga din sa loob.. hehe.. dinadaan ko nalang sa tawa.. pero ang sarap hatawin minsan ang toyota alabang mechanics..

Walang alam yung contact ko sa Ortigas. Due for renewal ang insurance ko ng Nov. 30. May statement na ako pero di ko pa tinawagan. Kahapon tinawagan ako ng contact ko nangungumusta. Kinamusta ko ang car at sinabi na wala na nga akong balita. I-follow up daw nya. Ang balak ko kung sakaling tapos na, saka ko na lang bayaran.

[t3kk3n]

*qwerty
what you have experience, yan ang iniiwasan ko.. kasi ako usually long drive out of town... what if masiraan habang nasa byahe... laking hassle yun, pero ang sagot ng toyota.. under warranty naman daw ang parts na pinalitan nila so pwede ibalik... (well sabi ko.. eh nasa out of town trip ako with the car.. so paano yun gagawin? at travel plans ko?) kaya eto nag file na ako ng formal email doon sa insurance broker ko... either palitan lahat as in- lahat ng parts wala ng lista lista pa including chairs, carpet and repainting in-out of the car... or declared wreck/lost ang unit, also di rin ako payag na gagawin ang car more then 3months which is 2months now na nasa casa at partial estimate palang.. .. in short wala na ako binigay na option sa kanila kunghinde bayaran nalang ako... kasi una.. di kaya magawa ng toyota ang car in 1month time (december na.. puros holiday and bulk orders are already pending at toyota), pangalawa, nasa insurance commision of the philippines website ang total of 90days resolution or claims sa sasakyan and me penalty ang insurance broker in case lumagpas sa deadline (well i-charge ko sila ng taxi fare on weekday, weekend and my out of town trips na dala ko dapat ang car ko hehehehe) again... daanin nalang sa tawa.... mag papasko na ;)

[ngarcia]

Mga Bro,

Sino po nakakuha ng insurance sa TYT Pasong Tamo. Magkanu po inabot.

eto po kasi quote saken.

Own Damage / Theft 7,280
AOC 3,640
Bodily Injury 340
Property Damage 880
Auto Personal Accident 220
Sub Total 12,340
Doc Stamp 1,542.50
Evat 1,480.80
LGT 92.55
Total Premium 15,455.85

ok na po ba eto. kasi laki ng tinaas sa previous Premium ko.

Baka po meron kayo contact sa TYT insurance na mas mababa premium. ty

[ekaj42]

Mga Bro,

Sino po nakakuha ng insurance sa TYT Pasong Tamo. Magkanu po inabot.

eto po kasi quote saken.

Own Damage / Theft 7,280
AOC 3,640
Bodily Injury 340
Property Damage 880
Auto Personal Accident 220
Sub Total 12,340
Doc Stamp 1,542.50
Evat 1,480.80
LGT 92.55
Total Premium 15,455.85

ok na po ba eto. kasi laki ng tinaas sa previous Premium ko.

Baka po meron kayo contact sa TYT insurance na mas mababa premium. ty

expect na antin talaga sir na tumaas ang auto insurance natin because of what ondoy and pepeng did to us. kasi yung dating free na AOG/AOC, nowadays may premium charge na. siguro sir kung may mas mababa pa na total premium sa nakuha mo hindi na lalayo sa isang libo ang matitipid mo.good luck sir sa pag canvass mo pa. keep us posted.

[_Qwerty_]

and the saga continues.. eto latest..

nung Sabado.. dinala ko ulit sa Toyota Shaw yung sasakyan.. kasi may deprensya nga aircon.. may rare times na namamatay yung buga.. walang problema sa lamig.. pag nasa 1 or 2 sya.. hindi naman namamatay.. pero pag nilagay sa 3.. ayun pupugak pugak.. tapos eventually mamatay.. then after a few secs.. bubukas ulit.. so tiningnan ni Tony.. ang sabi blower motor daw problema.. bibigay na.. kaya ganon.. so kailangan daw palitan.. kaso kailangan daw makita ulit nang adjuster.. eh walang adjuster pag sabado.. tapos holiday ang monday.. so ibalik ko daw nang Tuesday..

coding ako Tuesday.. so binalik ko Weds.. nakita naman.. so ok na.. kinunan picture.. pati yung sirang seatbelt... tapos pinakita ko din carpet.. sabi ko gusto ko palitan nila.. ok daw.. tapos pinakita ko 3rd row seat.. may kalawang yung mechanism.. pati yung tubo kinakalawang.. so sabi ko palitan yung buong 3rd row seat.. ok daw.. tapos pinakita ko din yung 4 na upuan.. may mga kalawang na din.. so yun daw marerepair pa.. lilinisin daw.. tapos i dedetail ulit upholstery.. so ok na.. papadala daw estimate.. then hintay na lang LOA ulit..

kanina natanggap ko email from broker ko.. nakuha na nila estimate.. nasa 50T+ yung blower, seatbelt at yung carpet (20+ pala carpet natin).. plus labor.. aba.. walang estimate sa upuan.. so tawag agad ako kay Tony.. ehh wala daw sa parts nila yung buong 3rd row seat.. hindi daw napapalitan nang buo.. so ang gagawin daw.. babaklasin lahat nang upuan.. pati upholstery.. lahat nang mechanism.. tsaka papalitan lahat nang may kalawang.. tapos yung mga tubo daw.. i rerepaint.. so yung may kalawang lang daw papalitan.. kaya wala pa syang estimate.. ang problema.. wala daw silang ganon sa Toyota Shaw.. sa Toyota C5 ko daw dalhin.. kasin nandon daw yung body and paint.. so dadalhin ko sa Toyota C5.. babaklasin nila upuan.. titingnan lahat nang may kalawang.. tsaka palang papadala estimate.. tsaka hihintayin LOA.. tsaka i re request parts.. tsaka hihintayin dumating parts.. tsaka palang magagaw.. eh pano yung sasakyan.. eh di naka tengga na naman sa kanila habang hinihintay yun?? hay na highblood na ako.. sabi ko sa standard.. baklasin upuan.. pero palitan nila nang ibang upuan para magamit ko yung oto.. ayun wala pang sagot..

[Eypeeyu]

Update din po from my insurance:

Nov 25 - Had undergone interior and exterior detailing, and they are now working on the mechanical and electrical works. And the following parts were ordered last Nov 13: ECU, SRS module, Airbag and battery. Waiting period for the arrival is 30-45 days.

Nov 26 - Headlights were replaced as per my inquiry.

Dec 02 -
[SIZE=2][SIZE=2]

• Checking of Evaporator and Aircon Blower - Ongoing
• Idler bearings and spark plugs - Under observation
• Alternator - For outside work
• ECU - Replaced
• Checking of ignition coil and fuse box incl. ignition key, central locking, door actuators, blower motor, aircon switches, aircon thermostat Ongoing
• Engine - Functioning / Starts

Sa mga may experience po sa sasakyan, malapit na kaya ito?

[/SIZE][/SIZE]

[dfcsantos]

Nag follow up ako sa Ortigas, 2 months & 5 day after I brought may Avanza.

At last ang gumagawa na ang kausap ko - Body & Paint Section ang responsible sa flooded units.

Nalinis, nabaklas & reassembled na ang car. Pinalitan din lahat ng fluids. May report na sila ng sira & needed replacement. Dale ang ECU ko.

Tamang tama, nandoon din inspector ng insurance. Nakita ko ang unit. Gagawa rin sya ng report, then for approval. Saka pa lang lalabas ang LOA.

Tiyak na wait ako ng 45-60 days pa para sa parts dahil sa ECU.

Sabi ng Toyota, procedure daw ng Standard Insurance na re-check lahat ng recommended nilang gagawin. Kinukuha rin nila ang parts for re-checking. So hindi sigurado na papayagan nilang palitan lahat. Swerte yung may insurance na pag recommended ng Toyota na gawin, wala ng tanong tanong, gagawin agad.

Mali yata ang nakuha kong insurance.

[puroy]

Nag follow up ako sa Ortigas, 2 months & 5 day after I brought may Avanza.

At last ang gumagawa na ang kausap ko - Body & Paint Section ang responsible sa flooded units.

Nalinis, nabaklas & reassembled na ang car. Pinalitan din lahat ng fluids. May report na sila ng sira & needed replacement. Dale ang ECU ko.

Tamang tama, nandoon din inspector ng insurance. Nakita ko ang unit. Gagawa rin sya ng report, then for approval. Saka pa lang lalabas ang LOA.

Tiyak na wait ako ng 45-60 days pa para sa parts dahil sa ECU.

Sabi ng Toyota, procedure daw ng Standard Insurance na re-check lahat ng recommended nilang gagawin. Kinukuha rin nila ang parts for re-checking. So hindi sigurado na papayagan nilang palitan lahat. Swerte yung may insurance na pag recommended ng Toyota na gawin, wala ng tanong tanong, gagawin agad.

Mali yata ang nakuha kong insurance.

hmmm...it seems that mabusisi and parang pangit pala sa standard insurance pag mag-claim ka sa kanila.

[_Qwerty_]

di naman panget.. madami lang talaga yung nabaha.. kaya ganyan kahirap..

[t3kk3n]

Hi all

FYI
http://www.gov.ph/index.php?option=c...01868&Itemid=2

This is what i told and use to followup my insurance claim for my flooded unit.
Well, I was informed last monday that it is now being process as the unit is now declared wreck/lost. Probably end of this week or early nextweek that the cash settlement will be completed Lets just say.. i put the pressure on them with this news posted. Good luck to you guys in using this link as reference

[ngarcia]

Under the existing Insurance Code, Malinis said that insurance companies have 30 days, to pay the claimants upon the submission of proof of loss. After the 30-day period, the company is liable to pay interest for the delay. According to Devanadera a delay could also lead to criminal liabilities as violations of insurance law.

eto ang maganda. Di ba lampas na ng 30 days lahat ng affected.

[t3kk3n]

*ngarcia
Yup... dyan sila worry.. kasi Oct 4 na tow na car ko for estimate.. Last october 11 nag bigay ng order ang malacanang, .. so now wala na magawa pa ang insurance broker ko kundi bayaran na ako.. .. buti nalang me google.. nakita ko lang ang link na yan last sunday so immediately nag email ako sa insurance broker.. and made a followup last monday.. and was informed.. pina declare na wreck/lost na car ko

as for the 30days.. well i gave them the benefit of the doubt.. understood di kaya ng mga casa ang mag estimate sa dami ng flooded unit... pero 2months is already a long time to wait.. kaya tama na ang 60days waiting time for me

[james00112233]

Hi all

FYI
http://www.gov.ph/index.php?option=c...01868&Itemid=2

This is what i told and use to followup my insurance claim for my flooded unit.
Well, I was informed last monday that it is now being process as the unit is now declared wreck/lost. Probably end of this week or early nextweek that the cash settlement will be completed Lets just say.. i put the pressure on them with this news posted. Good luck to you guys in using this link as reference

Good search on the site.

[dfcsantos]

Hanggang saan ang lubog ng car mo? Eto bang nasa avatar mo? Sa akin kasi lubog buong side mirrors. Para may basis lang ako kung more or less malaki ang damage sa akin. Wala pa akong LOA. Thanks!

*ngarcia
Yup... dyan sila worry.. kasi Oct 4 na tow na car ko for estimate.. Last october 11 nag bigay ng order ang malacanang, .. so now wala na magawa pa ang insurance broker ko kundi bayaran na ako.. .. buti nalang me google.. nakita ko lang ang link na yan last sunday so immediately nag email ako sa insurance broker.. and made a followup last monday.. and was informed.. pina declare na wreck/lost na car ko

as for the 30days.. well i gave them the benefit of the doubt.. understood di kaya ng mga casa ang mag estimate sa dami ng flooded unit... pero 2months is already a long time to wait.. kaya tama na ang 60days waiting time for me

[t3kk3n]

Hanggang saan ang lubog ng car mo? Eto bang nasa avatar mo? Sa akin kasi lubog buong side mirrors. Para may basis lang ako kung more or less malaki ang damage sa akin. Wala pa akong LOA. Thanks!

*dfcsantos

yung picture na yan was taken after 2days of floodwater, (pasig-marietta -location) noong ondoy sept 26-27 di pa ako nakababa sobra lalim kaya di ko makita car hehehe.. yung last screw ng antenna hanggang doon ang floodwater for 2days.. (di ko tinanggal battery habang flooding kasi mas madmi pa ako kailangan asikasuhin sa bahay) kaya habang nalubog eh panik mode na ang mga ilaw at nag 1potpot pa bago tumigil lahat.. .. di lumutang ang Car kasi kaka fulltank ko palang...

[t3kk3n]

*dfcsantos

eto yung pix





Moderators paresize nalang kung masyado malaki

[dfcsantos]

Base sa picture at sa lubog na car ko, halos pareho lang ang pwedeng masira sa akin. Wala na namang other parts between side mirrors & antenna.

Preferred ko din ang cash settlement kesa magka-problem pa ako later. Saka tiyak na babaratin din ako pag ibebenta ko ang Avanza dahil mahirap ipagkailang nalubog dahil sa Marikina ako.

Thank you!

*dfcsantos

eto yung pix



Moderators paresize nalang kung masyado malaki

[jujoe]

Got this quote from Standard Insurance. Tell me what ya think

2009 Toyota Avanza 1.3J (M/T)

Option 1 (without Acts of God)

COVERAGES PREMIUM
Own Damage / Theft
588,500.00 10,004.50

Bodily Injury
100,000.00 230.00

Property Damage
100,000.00 780.00

Personal Accident (25,000 / person up to seating capacity) FREE

TOTAL PREMIUM 13,729.57 [SIZE=2](inlcusive of taxes)[/SIZE]


Option 2 (with Acts of God)

COVERAGES PREMIUM

CTPL Own Damage / Theft /
588,500.00 12,947.00

Acts of God
Body Injury
100,000.00 230.00

Property Damage
100,000.00 780.00

Personal Accident (25,000 / person up to seating capacity) FREE

TOTAL PREMIUM 17,397.40 [SIZE=2](inlcusive of taxes)[/SIZE]

Along with this coverage, we are also giving away the following benefits.
1. Provides free 24 hours towing within Metro Manila
2. Provides Technical Assistance nationwide
3. Claims servicing done in any of 43 branches nationwide.
4. Automatic 5-star motorshop repair.
5. Deductible of 0.5% of the amount insured or minimum or 3,000 whichever is higher for each and every loss.(Participation)
6. Free membership on our Roadside Assistance Program.

TIA!

[ekaj42]

Got this quote from Standard Insurance. Tell me what ya think


TOTAL PREMIUM 17,397.40 [SIZE=2](inlcusive of taxes)[/SIZE]


TIA!

get mo yung may AOG..pero negotiate mo yung price. mataas yung 17k. saka OT ka boss..hehehe..

[meledson]

OK na. Nasa tamang thread na.