Car Insurance

[Ers31]

thanks Prince, a friend of mine went to the site that you recommend and had a good discount plus 6 months instalment with zero interest.

[RF02]

good day mga sir and ma'am!

ask ko lang po sana kasi yun friend ko naaksidente yun sasakyan nya, then nagpainsurance sya para maayus na yun sasakyan nya, nagbayad sya nag participation fee then nagulat sya meron pa palang 25% total damage estimate FEE!

so may babayaran pa syang 25k before makuha yun sasakyan nya


talaga po bang ganun ang insurance? kasi nakaclaim na ako before wala naman ganun patakaran kundi participation fee lang....

[_Qwerty_]

ilang years na yung sasakyan?? may depreciation din kasing binabayaran bukod sa participation kung more than 3 years na ang sasakyan..

basahin nya kamo yung policy.

good day mga sir and ma'am!

ask ko lang po sana kasi yun friend ko naaksidente yun sasakyan nya, then nagpainsurance sya para maayus na yun sasakyan nya, nagbayad sya nag participation fee then nagulat sya meron pa palang 25% total damage estimate FEE!

so may babayaran pa syang 25k before makuha yun sasakyan nya


talaga po bang ganun ang insurance? kasi nakaclaim na ako before wala naman ganun patakaran kundi participation fee lang....

[RF02]

2 years palang po sir eh...

[ninjababez]

good day mga sir and ma'am!

ask ko lang po sana kasi yun friend ko naaksidente yun sasakyan nya, then nagpainsurance sya para maayus na yun sasakyan nya, nagbayad sya nag participation fee then nagulat sya meron pa palang 25% total damage estimate FEE!

so may babayaran pa syang 25k before makuha yun sasakyan nya


talaga po bang ganun ang insurance? kasi nakaclaim na ako before wala naman ganun patakaran kundi participation fee lang....

kaya ako i opted out the "free" insurance ng inhouse. will get mapfre instead, napaka simple lang ng quote sakin ni bro nheicar dito sa tsikot

[bluebeard]

.....
talaga po bang ganun ang insurance? kasi nakaclaim na ako before wala naman ganun patakaran kundi participation fee lang....

Pag more than 3 yrs ang sasakyan, you have to pay the participation PLUS depreciation of the of the cost of items to be replaced (from 25% to 50% depending on the age of the vehicle.) Read you insurance contract. Don't pay additional if your car is just 2 yrs old.
Depreciation: is the percentage of the cost of replaced parts which is shouldered by the insured.

Depreciation Schedule: (% of cost of brand new parts)
Age of Vehicle Private Car Commercial Vehicle
0-3 years Nil Nil
3-4 years 20% 25%
4-5 years 25% 30%
5-6 years 30% 35%
6-7 years 35% 40%
Over 7 years 40% 45%
Batteries, Tires,
Ball Joints, Tire
Rods & Shock
Absorbers for vehicles
over 3 years

[Jake605]

mga sirs, kay misis po ipapangalan yung insurance pati or/cr ng car na binili namin kasi siya ang nag loan sa banko pero ako ang magmamaneho kasi wala pang license si misis. ang tanong ko po ay kung naibangga ko oto o ano mang aksidente covered parin po ba sya ng insurance? yung mga nakaraang oto kasi namin ay ako ang bumili kaya sa name ko lahat. first time po na ganito ang sitwasyon.

salamat po

[nhiecah_nice29]

^ yes Sir covered pa rin po yun. Kayo po kasi yung authorized driver ng assured or ng wife po ninyo.

[Jake605]

^ yes Sir covered pa rin po yun. Kayo po kasi yung authorized driver ng assured or ng wife po ninyo.

thank you mam, next week pa po namin makukuha yung oto kasi di napasama sa delivery ngayong gabi. bale next week din namin i settle yung insurance paper work (charter ping an insurance corporation) provided ni metrobank. matic ba yun sir na ako ang authorized driver ng assured (my wife) o need na ipaalam sa banko?

another question sir, ok ba ang charter ping an insurance corp.? ang taas ng participatin fee 1st yr.6+k, 2nd yr. 5+k, 3rd yr. 4+k

[nhiecah_nice29]

Di nyo na po kailangan ipaalam pa yun sa bank.. okay din naman po yung charter ping yun nga lang po mataas yung participation fee. May iba naman po kaya pang magoffer ng mas mababang paqticipation.