guys, I was trying to claim insurance, nabangga ko kasi yung bumper ng Kia Sorento ko and it had scratches, eh naasar ako kasi bago. so I tried to claim insurance, passed all the requirements. they even told me mga 4-5k lang daw ang participation. then they called and said the participation was 18k! the may bumper din daw silang available na 17k lang so they suggested me to buy it straight from them. then I said never mind. then they said it still has a discount, it can be lowered to 14k. so naasar ako parang niloloko lang ako, sinabihan ko na lang wag na lang then binabaan ko. I'm going to read the crap stuff written on my insurance thing tignan ko kung ganun talaga. niloloko lang ata nila ako eh. any insight guys? any inputs would be very much appreciated, thanks!