Car Insurance Sandra Lyn Basa

25/07/2024

SHARING IS CARING PARA SA MGA MAY SASAKYAN .🚘

Baka makatulong 🙂

Nakita ko lang:

📍 Andyan na binaha na. So ano next step? Bago ang lahat, kung yung tipong lubog halfway o lubog ng buo yung sasakyan mapa 4 wheel or mc, HWAG NYO PO ISTART!!!! Ang iniingatan po dyan ang computer box and engine. Read on.
📍. So ano ang immediate na gagawin,
1. Buksan nyo ang door gamit ang keys. Hwag nyo activate thru remote (pwera lang keyless kayo, no choice)
2. Tanggalin sa battery parehong terminal positive, negative.
3. Apakan ang preno para ma drain ang naiwan kuryente sa electrical and electronics ng sasakyan.
4. Icheck sa insurance kung may AOG rider kayo. Kung meron, menos gastos, kung wala eh medyo magastos.
📍 Ano kailangan palitan
1. Pull down and Drain fuel tank and replace fuel filter
2. Drain oil 3x (opo 3 times, 1st 2 times using cheap regular oil para ma drain tubig and putik sa makina) and pag malinis na drain, fill with required motor oil and replace oil filter. Bale drain oil na binaha, fill regular oil and regular filter, start and idle for 15 mins, repeat drain, fill start and pag malinis na na drain na langis fill with required oil grade and required filter.
3. Full Drain and fill ATF or gear oil and clean ATF filter / Fill drain power steering fluid
4. Drain radiator and replace coolant
5. Bleed brake fluid on all 4 wheels
6. Repack all bearings, CV and shaft
📍 Ano dapat patuyuin na
1. ECU or computer box
2. Lahat ng switches
3. Speedometer gauge
4. Headlight/taillight assembly
5. Airfilter box and MAF sensor
6. Stereo and speakers
7. Electric power steering harness
📍 Ano dapat kalasin sa loob ng vehicle para patuyuin and i-dearer
1. Carpet
2. All seats
3. All sidings
4. Aircon evaporator (kasi pumasok ang putik dyan and may electronics ang aircon.
📍 Ang good news, most vehicles will survive flooding if maayos ang pagkakalinis ng computer box (if damaged beyon repair, replace ECU) and nareplace fluids. Naka pag refurbish na kami ng ondoy flooded vehicles so we speak from experience.
👉What to expect after ng bagyo or baha.
1. Punuan at pila sa car wash at sa casa
3. Ubusan ng computer box sa casa at surplusan
4. Hirap pagtawag sa towing and insuranc3
6. Lower resale value ng vehicles na galing sa area na binaha

Keep safe every one and Godbless

16/01/2024

12/01/2024

Naghahanap ng reliable COMPREHENSIVE CAR INSURANCE ? Let me help you easily process with installment basis and discount. PM ME FOR THE QUOTE

12/01/2024

Good Day, Boss/Madam,

Bakit need natin ng COMPREHENSIVE INSURANCE ?
Marami mga car owner na ndi na kumukuha ng insurance after malabas yung sasakyan nila. yung iba nadadala sa agent or sa insurance provider nila. yung iba nmn kulang sa budget lalo na ngayon pa lang nagiging okay ang ekonomiya.

IMPORTANTE BA ANG COMPREHENSIVE INSURANCE?

YES. lalo na yung mga sasakyan na naka financing pa. the financing company wants to be secured.and one of their requirments na insured yung sasakyan hanggang matapos ito bayaran sa knila. way back bagyong ondoy maraming sasakyan ang lumubog sa baha at nasira ng kalamidad, yung ibang dun walang insurance, yung iba nmn walang AON. kaya ngayon naghigpit sila yung ibang financing na dating wala penalty nag karoon na din sila ng mga penalties, Importante ang Comprehensive insurance lalo na ngayon wala tigil ang ulan , kalimitan mga baha na lugar ndi natin masasabi kelan ang aksidente. Yes hassle ang claim.sinu ba nmn gusto mag ka claim. pero kaya tayo mg insurance para my katuwang tyo sa gastos pag papagawa ng sasakyan. maraming my claim ngayon na AON iba jan total loss na.

BAKIT PA KO KUKUHA NG COMPREHENSIVE, MAY CTPL NAMAN NA KO OKAY NA YUN!

CTPL - is requirments talaga yan ni LTO everytime mag rerenew ka ng rehistro ng sasakyan. covearages nyan is 100k bodily injury which is TAO na masasagasaan or masasagi mu. How about yung damage ng sasakyan or naka damage ka ng properties ng iba?
Jan nmn papasok si COMPREHENSIVE INSURANCE they have fully coverages like OWN DAMAGE - covered nyan yung damage ng sasakyan mo.( EX. naka park yung sasakyan sa labas or sa kalye then nasagi or nabangga . tapos tinakbuhan ng naka bangga kalimitan ganyan nangyayari. covored at pasok sya sa own damage ng comprehensive insurance mu. meron naman nag drive ako along C5 may nambato may crack na maliit yung windshield ko. haband ginamait at natatagtag yung sasakyan lalo yan lumalaki covered pa din yan ng own damage.

THEFT - yan nmn yung mga na carnap na sasakyan. To be honest matagal process ng claim na yan they need a lot of invistigation max is 6 months. Panu kung yung sasakyan ko inarkila then self drive? pag nalaman ni insurance provider na pinaarkita/rent yung sasakyan possible void yan.. remember private naka declare yan ndi for rent.
PANU KUNG HINIRAM YUNG SASAKYAN KO. As long no money is involved sabi ko nga they investigate ng HPG and insurance provider.

BODILY INJURY - yan yung tao nasasagasaan or masasagi mo. however bago yan icover ng comprehensive mauuna muna si TPL. pag naubos yung 100k ng TPL jan papasok si comprehensive insurance. meron silang mga list kung magkano yung covered amount. nasa policy nyo yan..

PROPERTY DAMAGE - yan naman yung coverages na mga pag aari ng iba na masasagi or mababangga mo. all properties of other is covered yan ng comprehensive insurance mo.

AON or AOG - nature calamity yan bagyo landslide nabaksakanng puno due to bad weather all cause of nature is pasok yan.. ( what if nabagsakan ng puno kasi pinuputol yung puno..) if man made sya possible ndi sya covered ng AON however pwede sya ma cover as OWN DAMAGE.

PERSONAL ACCIDENT - yan yung coverage ng sakay mo or passenger ng sasakyan mu. usually 50k per passenger pero depende yan sa coveres ng insurance provider mo.including the driver.

Eh, anu nmn yung Participation fee ? May 2 component ang participation fee DEDUCTIBLE and DEPRECIATION.

DEDUCTIBLE - yan yung share amount nyo kay insurance provider. usually 2k/3k ang deductible swerte kn pag meron waived deductible si insurance provider mo.

DEPRECIATION FEE - it only applies sa 3 years old pataas na sasakyan
kung bago yung unit mo walang pang 3 yearswala pa syang depreciation na mangyayari nasa likod din yan ng policy mo. pero kung wala nmn papalitan and repair lang dudectible lang ang babayaran mo. and if surplus yung ipapalit maliit lang yung depreciation nababayaran mo.
you can ask your agent regarding jan..

Sana makatulong sa mga boss/madam.

Salamat

05/08/2023

need car insurance?
let me help you to find the best one for you.
just pm and i will send u the quotation with discount amd waived deductibles..