Kape't Insurance | Episode 3 | Car Insurance Claims

The current pandemic taught us that now more than ever we have to be prepared for the unexpected. Insurance works to protect us and our possessions, including our cars.
Episode 2 talked about knowing the nitty-gritties of our motor insurance policy. This time in Episode 3, learn more about the claims process and how you can maximize the benefits from your car insurance coverage when the unexpected happens.
Hosted by Justin Liu featuring Felix Borja, Senior Vice President and Head of Claims of Mercantile Insurance.

[@thehunnermuziko6002]

Sir kaka banga kulang hapapun
Salamat sa vedeo ntu ang linaw na sa akin

[@arielolea4510]

Nabangga po yung sasakyan sa parking area, wala pang 2 years ang sasakyan. Paano kapag yung LOA ay mas maliit yung amount vs. Estimate ni Casa. Example si estimate from casa is 100K yung LOA from insurance is 50K. Papaano po yung natitirang 50K sino po ang sasagot nun?

[@flyerreacts1703]

3 to 7 working days ang processing for LOA? Skin 3 weeks na pro until now wla prin, kpag tinawagan ifofollow up. My God

[@user-ou1wh1ll3m]

Good day panu nman pag kami ang nabanga at sabi ng nakabangga smin insurance nlng daw nya kausapin nmin.
Panun process?

[@user-ou1wh1ll3m]

Kung wala kaming comprehensive insurance pero ang nakabangga smin meron po panu po ba ang process?

[@Yassi2023]

How many days po yung turn around time nyo to process the pay-out? You are right po sa very stressful ang wala kang magamit na sasakyan.

[@ryandionisio4137]

Can i claim a loss of income from car insurance? For example public transport car is involved.

[@mrs.canophilia4197]

What the VP said about the policy is kabaliktaran sa mga pinag gagawa nila. They declared total loss of our unit kahit hindi naman na fall sa mga minention niya sa total loss. Based pa sa agent nila, kinuha nila ang FMV ng vehicle sa mga ads? So kung sa korte tatanungin sila kung paano nola kinalculate ang FMV vehicle ng BRIO RS BLACKTOP 2021 model with 5k ODO it way beyond the lowest of the lowest market value price binigay nila! Na dedefeat yung purpose na kumuha kami ng insurance sa kanila to think januaray this year lang namin nabili ang car together with the insurance! Oct 2 we had a self accident and it falls under self/own damage tapos ngayon ang tagal pa ng pagprocess at approval tapos mali2 naman ang information na binigay! Wala ngag ng explain samin na agent sa policy namin!

[@josephcadiao5751]

Hindi ba dapat bago ka lumabas ng casa minake sure mo ipaexplain ang insurance policy sayo? 🤔

[@user-qs3uz9pg2o]

Good evening Sir Justin, how about if the subject unit was drove by other member of the family. Can the owner claim the insurance? Thank you

[@jay-arpadayao4596]

AUTHORIZED DRIVER:
(a) The Insured
(b) Any of the following:
Any person driving on the Insured’s order or with his permission.

[@renansinangote1579]

Sir Justin we’re can I send email because I have some inquiries thank in advance very helpful this videos

[@nickaevangelista]

What if po wala naman accident? Bigla lang mag overheat ang sasakyan and ang nakita ng casa is need palitan ang engine, pwede ba kami mag claim sa insurance? Dapat ba pag may accident lang pwede mag claim?

[@jay-arpadayao4596]

If no accident happens, that's not claimable. Normal wear and tear-damaged parts are not covered by the insurance. It's very important to determine the proximate cause.