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In-house Car Insurance or Independent Insurance Companies..


This discussion is about "In-house Car Insurance or Independent Insurance Companies.." in the "Automotive" forums.
mga bro, unsay mas maayo kuhaon kung mopalit ta ug brand new nga sakyanan, kanang in-house insurance sa car manufacturer or kanang independent isurance companies ...

  1. #1
    Junior Member king0629's Avatar
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    Lightbulb In-house Car Insurance or Independent Insurance Companies..


    mga bro, unsay mas maayo kuhaon kung mopalit ta ug brand new nga sakyanan, kanang in-house insurance sa car manufacturer or kanang independent isurance companies like prudential gurantee, etc..

    ingon ang agent mas ok daw kung in-house para kung mabangga, dali ra ang pag claim ug pas2x nila ma trabaho. Tinuod ni?

    Please share your experiences...

  2. #2
    Elite Member korg17's Avatar
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    yup based on my experience bro mas ok ang in-house kay naa sila insurance coordinator na mo asikaso tanan nimo kinahanglan, sa application, claims... dili naka kinahanglan muadto sa insurance mismo, usahay gani pwed ra sabuton kung wala ka naka kuha police report, kamo-kamo nalang himo ug sketch ug affidavit kung nabangga ka. den kaila rapud na sila sa mga taga insurance so mas dali kung sila mu process. nya once pud mu approve na ang insurance sa imo claim sila napud mismo mu coordinate sa pag order sa replacement part, repair, ug schedule sa imo sakyanan. ako kadto nabangga ko, report dayun ko sa coordinator, adto ko sa dealer para pirma affidavit, submit sa ako license ug gi picturan dayun sa taga insurance ang damage. human gi order na dayun ang replacement part. dali ra wala nay hasul. kung dli ka in-house ikaw mu coordinate ani tanan.

  3. #3
    Junior Member king0629's Avatar
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    payts kaau imong suggestion bro da! salamat au!!

    ang uban dha nga naa pud experience ug inputs, share ta..

  4. #4
    Junior Member king0629's Avatar
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    up nato bsin naa pud other members nga pareho nako ug pangutana..

    dako2x bya ang difference sa premium sa in house ug outside insurance co., kadto naa pud experience sa outside insurance co. share pud mo, nid ur advice guys..

    up up up

  5. #5
    C.I.A. dexterdal's Avatar
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    In house kung gusto ka dili hasol. outside insurance kung naa kay kaila sa outside insurance mas maayo, kay sila na pud ang molihok ana, pro kung wala mag in house nalang ka. Pro kung brandnew gane imong sakyanan then mag comprehensive, mas maayo in house gyud imong kuhaon. Ok ra on the 2nd year mag outside insurance naka, kay maka barato2x naka gamay.

  6. #6
    Junior Member king0629's Avatar
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    btaw no..

    naa man gud koy migo nga naay bad experience sa in-house insurance sa honda.. nabangga cya sa intersection dha sa ayala access road kanang duol sa leona's, iyang gdala dayon sa honda nivel hills, ang front bumper ug side fender ug headlights ang na damage.

    however, frustrated kaau cya kay ni abot ug 3 mos b4 niya nakuha ang iyang honda city kay cge lang kuno unya-unyaon, among other excuses, sa coordinator sa ilang in-house insurance. if i remember it right, BPI-MS man tingali to ang name sa ilang insurance kay puro man daw Ayala group ang tag-iya sa Honda ug BPI. Ni abot gud sila sa punto nga ni kiha jud cya for damages against honda cebu and the insurance.. Wa na koy update na unsa na ang kaso kay 2007 pa man to nahitabo..

    ako jud ni g-consider ba kay i'm planning to buy the new honda city..

  7. #7
    Elite Member korg17's Avatar
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    Quote Originally Posted by king0629 View Post
    btaw no..

    naa man gud koy migo nga naay bad experience sa in-house insurance sa honda.. nabangga cya sa intersection dha sa ayala access road kanang duol sa leona's, iyang gdala dayon sa honda nivel hills, ang front bumper ug side fender ug headlights ang na damage.

    however, frustrated kaau cya kay ni abot ug 3 mos b4 niya nakuha ang iyang honda city kay cge lang kuno unya-unyaon, among other excuses, sa coordinator sa ilang in-house insurance. if i remember it right, BPI-MS man tingali to ang name sa ilang insurance kay puro man daw Ayala group ang tag-iya sa Honda ug BPI. Ni abot gud sila sa punto nga ni kiha jud cya for damages against honda cebu and the insurance.. Wa na koy update na unsa na ang kaso kay 2007 pa man to nahitabo..

    ako jud ni g-consider ba kay i'm planning to buy the new honda city..

    ah! dugaya gud anang 3 mos bro mura manag binuang sa honda hehehe. basin dugay lang dyud na approve iya claim siguro wala cya naka kuha ug police report ug sketch sa LTO kay gidala man kaha niya dayun sa honda mao man gud na ang pinaka kinahanglan otherwise 50-50 rana kung ma approve ba imo claim o dili. pero 3 mos murag sobra rana bro kung bumper lang ug headlight. naa siguro lain pa problema.

  8. #8
    Elite Member korg17's Avatar
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    Quote Originally Posted by dexterdal View Post
    In house kung gusto ka dili hasol. outside insurance kung naa kay kaila sa outside insurance mas maayo, kay sila na pud ang molihok ana, pro kung wala mag in house nalang ka. Pro kung brandnew gane imong sakyanan then mag comprehensive, mas maayo in house gyud imong kuhaon. Ok ra on the 2nd year mag outside insurance naka, kay maka barato2x naka gamay.
    even if inig 2nd yr onwards bro magka barato man pud ang rate sa insurance i think mo ubos na ug 5-10% if im not mistaken. depende kung naa kay claims within the year ug unsa pud kadako.

  9. #9
    C.I.A. predo's Avatar
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    If daghan ka spare time go for outside insurance you will learn a lot pro kung wala pag inhouse naka kay dili sad mabayaran ang ka hasol kung busy ka permi.

  10. #10
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    ayaw mo kompyansa anang in-house. Try to look in tsikot forum and you will see a sad experience of a Cebuano who had a car accident. the insurance was handled by stronghold and until now he still didn't get any settlement of his claim. Mao nga paglapse sa insurance (also stronghold) sa akong car nga in-house wala nako mo renew. Ngita ko ug lain nga mas dali. Kadaghanan anang in-house mga main office nila tua sa Manila, dugay ang pag follow up. Pero ug ang insurance ilang office dia lang sa Cebu dali ra pag follow up. Depende lang na but akong experience mas dali kung ilang office dia sa Cebu. Imo lang sad tan-awon ang mga insurance nga naka base dire kung unsa ilang track record but you can find some which are reliable.

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