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About Car Insurance


This discussion is about "About Car Insurance" in the "Automotive" forums.
Hi Guys, I would like to ask what's covered in the car insurance. When you register your car sa LTO, diba naay insurance? Thanks....

  1. #1
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    Default About Car Insurance


    Hi Guys,

    I would like to ask what's covered in the car insurance. When you register your car sa LTO, diba naay insurance?

    Thanks.

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    Elite Member RCR75's Avatar
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    depende mana sa pagkuha nimo ug insurance bro. kasagaran sa LTO TPL raman na. kuha ug comprehensive insurance para dako ug coverage.

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    C.I.A. c_cebrecus's Avatar
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    for renewal akong Altis karon, and akong gikuha nga insurance katong apil OD (own damage) kay ang TPL para ra kuno na maregister imong sakyanan sa LTO pero wa jud na gamit kay kung mabangga ka or aksidente ikaw ra jud gasto sa tanan. sa OD nako nakabayad ko 15k, TPL is only like 2-3k.

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    C.I.A. xkenikensx's Avatar
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    question lang guys ,

    asa naka locate ang Pacific Union nga insurance, ?

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    Quote Originally Posted by c_cebrecus View Post
    for renewal akong Altis karon, and akong gikuha nga insurance katong apil OD (own damage) kay ang TPL para ra kuno na maregister imong sakyanan sa LTO pero wa jud na gamit kay kung mabangga ka or aksidente ikaw ra jud gasto sa tanan. sa OD nako nakabayad ko 15k, TPL is only like 2-3k.
    mahal ra ang tpl nga 2-3K bai...ang standard nga rate sa tpl sa altis is only Ps. 610.40 (apil na taxes)....

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    Quote Originally Posted by MelodyMan View Post
    Hi Guys,

    I would like to ask what's covered in the car insurance. When you register your car sa LTO, diba naay insurance?

    Thanks.
    bai...ctpl means Compulsory Third Party Liability (mao ra ni nga coverage atong kinahanglan para ma rehistro atong sakyanan sa LTO), Coverage for this is Bodily Injury only of up to Ps. 100K, mao ni mo cover if maka banga ka ug pedestrian.

    If you like to be worry free mao ni i purchase nga additional Coverage (aka Comprehensive Coverage);

    Own Damage/Theft - The insurance will pay for the repair of your vehicle (even if its your fault, but you have to shoulder the deductible and participation), and also the insurance will reimburse your if your vehicle will be carnapped.

    Excess Bodily Injury - If you already exhausted your CTPL coverage, this coverage will pay for expenses in excess of your CTPL. CTPL is up to 100K raman gud, nya mahal na baya ang hospital ug doctor karon.

    Property Damage - This will pay for the properties nga imong mabangaan, either other cars or paril sa silingan.

    Auto Personal Accident - Mao ni coverage sa sakay sa imong sakyanan including the driver usually coverage for this is Ps. 100K Accidental Death and Ps 10K Medical Reimbursement.

    Acts of God - If ma atlan nga ma damage imong sakyanan due to flood, typhoon and earthquake. (btw, cause of flood is acts of man baya sa?? hehehehe)

    Mao ra na akong ika tampo mga bro...my advise lang is purchase lang sa mga legitimate insurance companies, and katong companies nga di kau kutihan nga mobayad dayon.
    St_Michael likes this.

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    C.I.A. c_cebrecus's Avatar
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    Quote Originally Posted by barloval View Post
    mahal ra ang tpl nga 2-3K bai...ang standard nga rate sa tpl sa altis is only Ps. 610.40 (apil na taxes)....
    katong 2-3k sa strada to namo..

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    Kanang 15K nga insurance, is that yearly?

    Salamat diay sa tanan nga ni reply..

    Quote Originally Posted by c_cebrecus View Post
    for renewal akong Altis karon, and akong gikuha nga insurance katong apil OD (own damage) kay ang TPL para ra kuno na maregister imong sakyanan sa LTO pero wa jud na gamit kay kung mabangga ka or aksidente ikaw ra jud gasto sa tanan. sa OD nako nakabayad ko 15k, TPL is only like 2-3k.

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    Quote Originally Posted by c_cebrecus View Post
    katong 2-3k sa strada to namo..
    mahal ra ghapon bai...except kung apil na ang renewal registration sa lto...kung mga pick up or van ang ctpl is Ps. 660.40 lang...nya ang registration is from 2.5K to 3K..

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    Quote Originally Posted by MelodyMan View Post
    Kanang 15K nga insurance, is that yearly?

    Salamat diay sa tanan nga ni reply..
    yes bai..annual na ang mga premium sa non life insurance including motorcar insurance....

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