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  1. Join Date
    May 2006
    Posts
    312
    #321
    How much is comprehensive insurance for bnew Chevrolet Trailblazer 4x2 LT.
    With acts of God.

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    How much is comprehensive insurance for bnew Chevrolet Trailblazer 4x2 LT.
    With acts of God.

  2. Join Date
    Jan 2014
    Posts
    224
    #322
    I had my tint added to my comprehensive insurance as an accessory. When I receive my special plates and WS sticker from LTO, I'm planning to have a portion of my WS tint cut to make way for the sticker. In the event the tint gets damaged, is it a valid insurance claim under self-damage?

  3. Join Date
    Jan 2015
    Posts
    714
    #323
    i requested for a car insurance quote and got this for a 2012 innova e mt diesel.

    Deductible (same ba to sa participation fee?) = 7000
    Premium (total amount due) = 17800
    Inclusions are:
    Repair shop clause (for vehicles more than 24 months)
    waiver of applied deductible and depreciation on partial losses
    valuation clause
    terrorism exclusion endorsement
    personal property cover
    legal assiustance for comprehensive pokicies
    bail bond cover (upto max of 10,000)
    airbag clause
    pair and set endorsement
    acts of nature warranty
    acts of nature clause
    accessories clause

    Is this already acceptable and comparable with the current market offerings. If ever, can i request to lower my deductible? how much normally should it be? thanks for the iinputs.

    - - - - - - - - - - - - - - - - - - - - - -

    i requested for a car insurance quote and got this for a 2012 innova e mt diesel.

    Deductible (same ba to sa participation fee?) = 7000
    Premium (total amount due) = 17800
    Inclusions are:
    Repair shop clause (for vehicles more than 24 months)
    waiver of applied deductible and depreciation on partial losses
    valuation clause
    terrorism exclusion endorsement
    personal property cover
    legal assiustance for comprehensive pokicies
    bail bond cover (upto max of 10,000)
    airbag clause
    pair and set endorsement
    acts of nature warranty
    acts of nature clause
    accessories clause

    Is this already acceptable and comparable with the current market offerings. If ever, can i request to lower my deductible? how much normally should it be? thanks for the iinputs.

  4. Join Date
    Jun 2013
    Posts
    95
    #324
    Sir for AUV's SUV's etc you can request for a fixed deductible /participation is 3,000 for sedan 2,000. But the premium will increased by 1%.

  5. Join Date
    Jan 2015
    Posts
    714
    #325
    ^ for real sir? 1% is barely noticeable for a 17k premium

  6. Join Date
    Sep 2005
    Posts
    15,310
    #326
    masyadong malaki yung participation nyo sir..

    .5% lang dapat yan nang sum insured or 2000 whichever is higher.. kung 1M ang car dapat 5T lang ang deductible..


    Quote Originally Posted by sphinxz View Post
    i requested for a car insurance quote and got this for a 2012 innova e mt diesel.

    Deductible (same ba to sa participation fee?) = 7000
    Premium (total amount due) = 17800
    Inclusions are:
    Repair shop clause (for vehicles more than 24 months)
    waiver of applied deductible and depreciation on partial losses
    valuation clause
    terrorism exclusion endorsement
    personal property cover
    legal assiustance for comprehensive pokicies
    bail bond cover (upto max of 10,000)
    airbag clause
    pair and set endorsement
    acts of nature warranty
    acts of nature clause
    accessories clause

    Is this already acceptable and comparable with the current market offerings. If ever, can i request to lower my deductible? how much normally should it be? thanks for the iinputs.

    - - - - - - - - - - - - - - - - - - - - - -

    i requested for a car insurance quote and got this for a 2012 innova e mt diesel.

    Deductible (same ba to sa participation fee?) = 7000
    Premium (total amount due) = 17800
    Inclusions are:
    Repair shop clause (for vehicles more than 24 months)
    waiver of applied deductible and depreciation on partial losses
    valuation clause
    terrorism exclusion endorsement
    personal property cover
    legal assiustance for comprehensive pokicies
    bail bond cover (upto max of 10,000)
    airbag clause
    pair and set endorsement
    acts of nature warranty
    acts of nature clause
    accessories clause

    Is this already acceptable and comparable with the current market offerings. If ever, can i request to lower my deductible? how much normally should it be? thanks for the iinputs.
    - - - - - - - - - - - - - - - - - - - - - -

    masyadong malaki yung participation nyo sir..

    .5% lang dapat yan nang sum insured or 2000 whichever is higher.. kung 1M ang car dapat 5T lang ang deductible..


    Quote Originally Posted by sphinxz View Post
    i requested for a car insurance quote and got this for a 2012 innova e mt diesel.

    Deductible (same ba to sa participation fee?) = 7000
    Premium (total amount due) = 17800
    Inclusions are:
    Repair shop clause (for vehicles more than 24 months)
    waiver of applied deductible and depreciation on partial losses
    valuation clause
    terrorism exclusion endorsement
    personal property cover
    legal assiustance for comprehensive pokicies
    bail bond cover (upto max of 10,000)
    airbag clause
    pair and set endorsement
    acts of nature warranty
    acts of nature clause
    accessories clause

    Is this already acceptable and comparable with the current market offerings. If ever, can i request to lower my deductible? how much normally should it be? thanks for the iinputs.

    - - - - - - - - - - - - - - - - - - - - - -

    i requested for a car insurance quote and got this for a 2012 innova e mt diesel.

    Deductible (same ba to sa participation fee?) = 7000
    Premium (total amount due) = 17800
    Inclusions are:
    Repair shop clause (for vehicles more than 24 months)
    waiver of applied deductible and depreciation on partial losses
    valuation clause
    terrorism exclusion endorsement
    personal property cover
    legal assiustance for comprehensive pokicies
    bail bond cover (upto max of 10,000)
    airbag clause
    pair and set endorsement
    acts of nature warranty
    acts of nature clause
    accessories clause

    Is this already acceptable and comparable with the current market offerings. If ever, can i request to lower my deductible? how much normally should it be? thanks for the iinputs.

  7. Join Date
    Jan 2015
    Posts
    714
    #327
    Ito yung other details. if .5% then dapat around 3500 lang dapat ang participation fee ko.

    SUM Insured:
    LOSS AND DAMAGE w/ AON P 705,000.00
    UNNAMED PASS. P.A. 160,000.00
    VTPL-BODILY INJURY 200,000.00
    VTPL-PROPERTY DAMAGE 200,000.00

  8. Join Date
    Aug 2013
    Posts
    363
    #328
    Quote Originally Posted by sphinxz View Post
    Ito yung other details. if .5% then dapat around 3500 lang dapat ang participation fee ko.

    SUM Insured:
    LOSS AND DAMAGE w/ AON P 705,000.00
    UNNAMED PASS. P.A. 160,000.00
    VTPL-BODILY INJURY 200,000.00
    VTPL-PROPERTY DAMAGE 200,000.00
    Sir kapag po AUV, SUV, XUV's lowest deductible is P 3K highest is 10% of sum insured. For sedan cars lang po yung .5% lowest is P 2K. I sent you a pm Sir.

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    Quote Originally Posted by sphinxz View Post
    Ito yung other details. if .5% then dapat around 3500 lang dapat ang participation fee ko.

    SUM Insured:
    LOSS AND DAMAGE w/ AON P 705,000.00
    UNNAMED PASS. P.A. 160,000.00
    VTPL-BODILY INJURY 200,000.00
    VTPL-PROPERTY DAMAGE 200,000.00
    Sir kapag po AUV, SUV, XUV's lowest deductible is P 3K highest is 10% of sum insured. For sedan cars lang po yung .5% lowest is P 2K. I sent you a pm Sir.

  9. Join Date
    Feb 2007
    Posts
    1,975
    #329
    Maam nhiecah YGPM po.

    Thanks

  10. Join Date
    May 2015
    Posts
    2
    #330
    Ako po ay may comprehensive insurance policy sa MAA , ang akin pong kotse na mitsubishi lancer 2012 ay na aksidente nuong march 11,2015 sa kennon baguio city at ito po ay declared nilang total loss from the beginning dahil na din po sa laki ng damage at cost of estimate, kung kaya nung ito ay mga 1 month pa lng ay tinawagan nila ako at sabi ay i total loss nila sa halagang 400k. Ang sabi ko po ay bakit po ganon ito po ay nka covered ng 500k nung ni renew ko sa knila ng february at nung march ay na aksidente nga po bkit ho kako ganon sabi po ay ksi 20% depreciation daw ho, eh sbi ko po binasa ko ang policy kpag total loss ay hindi mag aapply ang depreciation dhil ito ay sa parts lng o repair at not pag total loss. Sabi po ay hanggang 450k sabi ko po ay dagdagan nila kasi feb lng nila ni renew insurance at march pa lng nagka aksidente nga. So sabi po ay sasabihin sa commitee. Ngayon po ay antay ako ng antay at mag 2 buwan na po hindi nila ako ina update kung ano na po nangyari, ang text at tawag po ay hindi nila sinasagot, pero knina po ay nag follow up ako at sumagot na sabi po for repair ang aking kotse! 2 buwan po ako halos nag antay , sabi nila ay total loss hindi lng po ako pumayag na covered nila ng 500k pero gusto nila ay 400k ang ibigay at ngayon nabigla po ako na repair po at sa kung saan na talyer lng na sabi po ay surplus ang gagamitin pra po abot sa 300k na sagot lng ng MAA. At magbabayad pa po ako ng participation at depreciation. Total loss po nauwi sa repair at wala po akong pagpayag dun. paano po ba ang aking karapatan? Malinaw po na ako ay pinapaikot ng MAA, ako po ay hindi
    Sang ayon sa repair at dahil halos ikamatay po ito ng aking asawa at kami po ay umasa sa sinabi nilang total loss ito inabot na ng ganito katagal. Kinausap ko po sila pero wla po silang masabi kundi ito daw po ay may LOA na, pwede po ba yun khit ako ay hindi pa nag a agree.

  11. Join Date
    Jan 2008
    Posts
    130
    #331
    Quote Originally Posted by jenny01_mars13 View Post
    Ako po ay may comprehensive insurance policy sa MAA , ang akin pong kotse na mitsubishi lancer 2012 ay na aksidente nuong march 11,2015 sa kennon baguio city at ito po ay declared nilang total loss from the beginning dahil na din po sa laki ng damage at cost of estimate, kung kaya nung ito ay mga 1 month pa lng ay tinawagan nila ako at sabi ay i total loss nila sa halagang 400k. Ang sabi ko po ay bakit po ganon ito po ay nka covered ng 500k nung ni renew ko sa knila ng february at nung march ay na aksidente nga po bkit ho kako ganon sabi po ay ksi 20% depreciation daw ho, eh sbi ko po binasa ko ang policy kpag total loss ay hindi mag aapply ang depreciation dhil ito ay sa parts lng o repair at not pag total loss.....
    Yung coverage mo na P500k, depreciated amount na yun! I suggest you consult and/or complain with the Insurance commission.

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    Quote Originally Posted by jenny01_mars13 View Post
    Ako po ay may comprehensive insurance policy sa MAA , ang akin pong kotse na mitsubishi lancer 2012 ay na aksidente nuong march 11,2015 sa kennon baguio city at ito po ay declared nilang total loss from the beginning dahil na din po sa laki ng damage at cost of estimate, kung kaya nung ito ay mga 1 month pa lng ay tinawagan nila ako at sabi ay i total loss nila sa halagang 400k. Ang sabi ko po ay bakit po ganon ito po ay nka covered ng 500k nung ni renew ko sa knila ng february at nung march ay na aksidente nga po bkit ho kako ganon sabi po ay ksi 20% depreciation daw ho, eh sbi ko po binasa ko ang policy kpag total loss ay hindi mag aapply ang depreciation dhil ito ay sa parts lng o repair at not pag total loss.....
    Yung coverage mo na P500k, depreciated amount na yun! I suggest you consult and/or complain with the Insurance commission.

  12. Join Date
    Mar 2015
    Posts
    991
    #332
    Establish first the fair market value nang kotse nyo sir to have a basis sa price nang unit nyo before you decide po on what to do next.

    Is your car not under insured sir? Tama po ba ang value nang kotse nyo nun time na pina insure nyo po?

  13. Join Date
    Oct 2008
    Posts
    213
    #333
    Just want to know your opinion guys...

    I had my car repaired last month and claimed from my insurance, I had it under compre.. the question is, ganun na ba talaga ngayon? per panel ang bilangan? it was damaged at the front right bumper, driver and left passenger door.. my insurance charged me double of what my participation should be, and they told me that its because "dalawang panel kasi papalitan sir"... under charter ping an by the way...

    - - - - - - - - - - - - - - - - - - - - - -

    Just want to know your opinion guys...

    I had my car repaired last month and claimed from my insurance, I had it under compre.. the question is, ganun na ba talaga ngayon? per panel ang bilangan? it was damaged at the front right bumper, driver and left passenger door.. my insurance charged me double of what my participation should be, and they told me that its because "dalawang panel kasi papalitan sir"... under charter ping an by the way...

  14. Join Date
    Jun 2005
    Posts
    3,774
    #334
    Quote Originally Posted by 5000rpm View Post
    Just want to know your opinion guys...

    I had my car repaired last month and claimed from my insurance, I had it under compre.. the question is, ganun na ba talaga ngayon? per panel ang bilangan? it was damaged at the front right bumper, driver and left passenger door.. my insurance charged me double of what my participation should be, and they told me that its because "dalawang panel kasi papalitan sir"... under charter ping an by the way...

    - - - - - - - - - - - - - - - - - - - - - -

    Just want to know your opinion guys...

    I had my car repaired last month and claimed from my insurance, I had it under compre.. the question is, ganun na ba talaga ngayon? per panel ang bilangan? it was damaged at the front right bumper, driver and left passenger door.. my insurance charged me double of what my participation should be, and they told me that its because "dalawang panel kasi papalitan sir"... under charter ping an by the way...
    same provider.

    dalawa ang participation kasi hindi ma-prove na isang incident lang yung damage. participation kasi refers to the damage caused by an accident or incident.

    2 damage that are not adjacent to each other = 2 participation.

    for painting and repair, talagang per panel ang bayad.

  15. Join Date
    Oct 2008
    Posts
    213
    #335
    Thanks for the clarification sir sirkosero...

  16. Join Date
    Apr 2015
    Posts
    33
    #336
    My free insurance from MAA through free insurance promo of Security Bank. Is this a good deal since the bank is the one who negotiated on it?

    2015 INNOVA 2.5 E A/T

    OD/THEFT 1,077,000
    ACTS OF GOD 1,077,000
    BODILY INJURY 200,000
    PROPERTY DAMAGE 200,000
    PERSONAL ACCIDENT 275,000

    AUTHORIZED CAPACITY 5

    DEDUCTIBLE: 5,385

    Comprehensive ba sya? May kulang ba sa coverage? Mahal ba ang deductible?

    - - - - - - - - - - - - - - - - - - - - - -

    My free insurance from MAA through free insurance promo of Security Bank. Is this a good deal since the bank is the one who negotiated on it?

    2015 INNOVA 2.5 E A/T

    OD/THEFT 1,077,000
    ACTS OF GOD 1,077,000
    BODILY INJURY 200,000
    PROPERTY DAMAGE 200,000
    PERSONAL ACCIDENT 275,000

    AUTHORIZED CAPACITY 5

    DEDUCTIBLE: 5,385

    Comprehensive ba sya? May kulang ba sa coverage? Mahal ba ang deductible? It is insured as commercial -individual (are suv, auv, van, etc considered as commercial?)

  17. Join Date
    Sep 2005
    Posts
    15,310
    #337
    ok na yan free pala eh.. and yes comprehensive yan.. may AOG na din..

    Quote Originally Posted by Putengs View Post
    My free insurance from MAA through free insurance promo of Security Bank. Is this a good deal since the bank is the one who negotiated on it?

    2015 INNOVA 2.5 E A/T

    OD/THEFT 1,077,000
    ACTS OF GOD 1,077,000
    BODILY INJURY 200,000
    PROPERTY DAMAGE 200,000
    PERSONAL ACCIDENT 275,000

    AUTHORIZED CAPACITY 5

    DEDUCTIBLE: 5,385

    Comprehensive ba sya? May kulang ba sa coverage? Mahal ba ang deductible?

    - - - - - - - - - - - - - - - - - - - - - -

    My free insurance from MAA through free insurance promo of Security Bank. Is this a good deal since the bank is the one who negotiated on it?

    2015 INNOVA 2.5 E A/T

    OD/THEFT 1,077,000
    ACTS OF GOD 1,077,000
    BODILY INJURY 200,000
    PROPERTY DAMAGE 200,000
    PERSONAL ACCIDENT 275,000

    AUTHORIZED CAPACITY 5

    DEDUCTIBLE: 5,385

    Comprehensive ba sya? May kulang ba sa coverage? Mahal ba ang deductible? It is insured as commercial -individual (are suv, auv, van, etc considered as commercial?)
    - - - - - - - - - - - - - - - - - - - - - -

    ok na yan free pala eh.. and yes comprehensive yan.. may AOG na din..

    Quote Originally Posted by Putengs View Post
    My free insurance from MAA through free insurance promo of Security Bank. Is this a good deal since the bank is the one who negotiated on it?

    2015 INNOVA 2.5 E A/T

    OD/THEFT 1,077,000
    ACTS OF GOD 1,077,000
    BODILY INJURY 200,000
    PROPERTY DAMAGE 200,000
    PERSONAL ACCIDENT 275,000

    AUTHORIZED CAPACITY 5

    DEDUCTIBLE: 5,385

    Comprehensive ba sya? May kulang ba sa coverage? Mahal ba ang deductible?

    - - - - - - - - - - - - - - - - - - - - - -

    My free insurance from MAA through free insurance promo of Security Bank. Is this a good deal since the bank is the one who negotiated on it?

    2015 INNOVA 2.5 E A/T

    OD/THEFT 1,077,000
    ACTS OF GOD 1,077,000
    BODILY INJURY 200,000
    PROPERTY DAMAGE 200,000
    PERSONAL ACCIDENT 275,000

    AUTHORIZED CAPACITY 5

    DEDUCTIBLE: 5,385

    Comprehensive ba sya? May kulang ba sa coverage? Mahal ba ang deductible? It is insured as commercial -individual (are suv, auv, van, etc considered as commercial?)

  18. Join Date
    Jul 2010
    Posts
    44
    #338
    pq quote naman po for my old car, i still want to insure it for peace of mind, mahirap na maka aksidente.

    unit: 1998 t.corolla 1.6gli M/T

    Thanks!

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    pq quote naman po for my old car, i still want to insure it for peace of mind, mahirap na maka aksidente.

    unit: 1998 t.corolla 1.6gli M/T

    Thanks!

  19. Join Date
    Jun 2013
    Posts
    95
    #339
    Ok sir will send you tom. Thanks

  20. Join Date
    Oct 2013
    Posts
    2,537
    #340
    Quote Originally Posted by 5000rpm View Post
    Just want to know your opinion guys...

    I had my car repaired last month and claimed from my insurance, I had it under compre.. the question is, ganun na ba talaga ngayon? per panel ang bilangan? it was damaged at the front right bumper, driver and left passenger door.. my insurance charged me double of what my participation should be, and they told me that its because "dalawang panel kasi papalitan sir"... under charter ping an by the way...

    - - - - - - - - - - - - - - - - - - - - - -

    Just want to know your opinion guys...

    I had my car repaired last month and claimed from my insurance, I had it under compre.. the question is, ganun na ba talaga ngayon? per panel ang bilangan? it was damaged at the front right bumper, driver and left passenger door.. my insurance charged me double of what my participation should be, and they told me that its because "dalawang panel kasi papalitan sir"... under charter ping an by the way...
    read your policy, if its not stated there then you can contest your claims...

    - - - - - - - - - - - - - - - - - - - - - -

    Quote Originally Posted by 5000rpm View Post
    Just want to know your opinion guys...

    I had my car repaired last month and claimed from my insurance, I had it under compre.. the question is, ganun na ba talaga ngayon? per panel ang bilangan? it was damaged at the front right bumper, driver and left passenger door.. my insurance charged me double of what my participation should be, and they told me that its because "dalawang panel kasi papalitan sir"... under charter ping an by the way...

    - - - - - - - - - - - - - - - - - - - - - -

    Just want to know your opinion guys...

    I had my car repaired last month and claimed from my insurance, I had it under compre.. the question is, ganun na ba talaga ngayon? per panel ang bilangan? it was damaged at the front right bumper, driver and left passenger door.. my insurance charged me double of what my participation should be, and they told me that its because "dalawang panel kasi papalitan sir"... under charter ping an by the way...
    read your policy, if its not stated there then you can contest your claims...

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