Car Insurance

[shok]

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.

[KingReyes]

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?

[sphinxz]

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.

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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.

[rvdelara]

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%.

[sphinxz]

^ for real sir? 1% is barely noticeable for a 17k premium

[_Qwerty_]

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..

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..

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.

[sphinxz]

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

[nhiecah_nice29]

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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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.

[prince777]

Maam nhiecah YGPM po.

Thanks

[jenny01_mars13]

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.

[bluebeard]

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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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.

[SkyFlakes88]

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?

[5000rpm]

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...

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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...

[sirkosero]

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...

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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.

[5000rpm]

Thanks for the clarification sir sirkosero...

[Putengs]

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?

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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?)

[_Qwerty_]

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

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?)

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

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?)

[louiemark]

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!

[rvdelara]

Ok sir will send you tom. Thanks

[Stigg ma]

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...

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

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...