Insurance participation fee

**yam123** · July 3rd, 2012 10:54 AM

Mga paps .., quick question!
Had an accident last week..
My car got damage from all over it's body(scratches), then I decided to use my insurance
but the problem is the participation fee.
Ang nakalagay dun samin is 2k PF.
So base from my understanding yun lang ang babayran ko to cover all of the scratches pero d daw 2k daw per panel(sides) right,left,front and back. So meaning magiging 8k ang PF ko instead of 2k.Tama ba un?? Hoping for a quick response.

**shadow** · July 3rd, 2012 11:04 AM

Yup! Impossible kasi na ma accident ka ng scratch all over the body ng car mo.

Unless your car was attacked by thousand of cats

Alam ng insurance na isasabay mo lang mga lumang Tama and gasgas

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**yam123** · July 3rd, 2012 11:08 AM

hahhah... By accident I mean my nakasagi sakin na tryke sa likod ng sasakyan ko. so aun nataranta ko nawalan kontrol kaya sumadsad.. so gasgas lang paps..
Newbie driver kasi lol
..
Pero kung my police report naman??
Tsaka regarding dun sa question ko 8k talga instead of 2k pf?

Originally Posted by shadow

Yup! Impossible kasi na ma accident ka ng scratch all over the body ng car mo.

Unless your car was attacked by thousand of cats

Alam ng insurance na isasabay mo lang mga lumang Tama and gasgas

Sent from my iPad using Tapatalk HD

**1D4LV** · July 4th, 2012 01:51 PM

depende yan dun sa terms and conditions ng insurer mo eh. pwedeng tama o pwedeng mali.

**aki0125** · July 4th, 2012 02:04 PM

Aslong you have a police report to back up your claim that those scratches occured wjth your lastweek accident then you just have to tslk with the claims department of your insurer.

**armscor40** · July 4th, 2012 03:50 PM

same thing happened to me every time accident occurred always not my fault...altho w/ police report & pix. of the damage you still have to pay the PF of 2k only not the whole damage the rest is insured...the damage cost should be more than your PF not less than it, otherwise have it repaired outside the insurance shops.

**llanesgelchan** · October 20th, 2015 02:56 PM

Guys, please help. Gusto ko kc malaman magkano participation fee ko. Nabangga ako yesterday ng BUS along kalayaan avenue. Honda Brio Amaze car ko, at ang masakit, 2months ko palang ginagamit. Estimate na gagawin ni Honda Rizal (My Dealer) is Php61,250. Since ipapasok sa insurance, di pa daw malalaman magkano participation fee kc si insurance daw magsasabi nun after investigation. Gusto ko na kase malaman magkano participation dahil BUS company nung bumangga sakin yung sasagot. Please help. Baka may idea kayo. Girl ako kaya wala ako masyado knowledge dito. Thanks in Advance. -Angel

**llanesgelchan** · October 20th, 2015 03:02 PM

Guys, please help. Gusto ko kc malaman magkano participation fee ko. Nabangga ako yesterday ng BUS along kalayaan avenue. Honda Brio Amaze car ko, at ang masakit, 2months ko palang ginagamit. Estimate na gagawin ni Honda Rizal (My Dealer) is Php61,250. Since ipapasok sa insurance, di pa daw malalaman magkano participation fee kc si insurance daw magsasabi nun after investigation. Gusto ko na kase malaman magkano participation dahil BUS company nung bumangga sakin yung sasagot. Please help. Baka may idea kayo. Girl ako kaya wala ako masyado knowledge dito. Thanks in Advance. -Angel

**oj88** · October 20th, 2015 03:04 PM

Originally Posted by llanesgelchan

Guys, please help. Gusto ko kc malaman magkano participation fee ko. Nabangga ako yesterday ng BUS along kalayaan avenue. Honda Brio Amaze car ko, at ang masakit, 2months ko palang ginagamit. Estimate na gagawin ni Honda Rizal (My Dealer) is Php61,250. Since ipapasok sa insurance, di pa daw malalaman magkano participation fee kc si insurance daw magsasabi nun after investigation. Gusto ko na kase malaman magkano participation dahil BUS company nung bumangga sakin yung sasagot. Please help. Baka may idea kayo. Girl ako kaya wala ako masyado knowledge dito. Thanks in Advance. -Angel

Kung hindi ikaw may kasalanan, especially kung insured yung nakabangga sayo, wala kang babayaran dapat na PF.

Sa lahat ng claims ko before, nagbabayad lang ako ng PF kung mag-claim ako ng own-damage. (ie. ako nakabangga, na hit and run ako, or sa isang pagkakataon, nalubak ako sa isang bukas ng manhole at nasira gulong, rim, at suspension).

**cast_no_shadow** · October 20th, 2015 03:05 PM

Originally Posted by llanesgelchan

Guys, please help. Gusto ko kc malaman magkano participation fee ko. Nabangga ako yesterday ng BUS along kalayaan avenue. Honda Brio Amaze car ko, at ang masakit, 2months ko palang ginagamit. Estimate na gagawin ni Honda Rizal (My Dealer) is Php61,250. Since ipapasok sa insurance, di pa daw malalaman magkano participation fee kc si insurance daw magsasabi nun after investigation. Gusto ko na kase malaman magkano participation dahil BUS company nung bumangga sakin yung sasagot. Please help. Baka may idea kayo. Girl ako kaya wala ako masyado knowledge dito. Thanks in Advance. -Angel

basahin ang policy.

saken stated:

0.5% of insured value, minimum of Php. 2,000 which ever is higher

kaya it varies talaga