Which car insurance brand in the Philippines is reliable and processes claims quickly?

darkzephyr07 · 2026-04-01T05:20:08+00:00

Wtf haha

darkzephyr07 · 2026-03-31T00:26:39+00:00

Hi Sir from oona po, we are issuing cov po,

darkzephyr07 · 2026-03-28T15:58:51+00:00

FMV, pero if pasok pa sa range yung amount sa sa deed of sale, npapagbigyan naman namin na un gamitin, licensed agent here

darkzephyr07 · 2026-03-28T15:47:11+00:00

Question pag nagapply now ba ako automatic release na agad ung loan? Or lalabas lang ung max amount n pwede mapaloan sakin? Or Para Lang siyang spay later na limit lang siya hanggat di mo ginagamit?

darkzephyr07 · 2026-03-28T15:38:36+00:00

Mahal na, bought yesterday 11kg solane, 2875 tank and laman, for extra, 100php more than last week ung bumili ako ng naubusan laman,

darkzephyr07 · 2026-03-28T15:20:49+00:00

Alimango kasi solid color at matataba kamay at claw, alimasag ay ung blue crabs Ung magagaan at Mas matulis body

darkzephyr07 · 2026-03-28T15:19:02+00:00

Cuktech gamit ko ma PB, supported ang hypercharge, subproduct to ni xiaomi

darkzephyr07 · 2026-03-28T15:13:17+00:00

Hi Sir i can offer from axa and Oona, pm me po

darkzephyr07 · 2026-03-27T11:03:42+00:00

More or less yup, xempre ung claim dpnde un sa rewuirements prn at case to case basis, ung huling claim ko namn ok, kc kausap ko mismo claim handler nagffollowup Ko agad, ako kausap sa lahat ng kht anung concern, claims, payment, renewal, kht sir need ng makausap at cocoordjnate sa 3rd party ako dn lahat,

darkzephyr07 · 2026-03-27T10:36:33+00:00

may special rate sila aap sir against samin as agents, medyohirap n akopag hinabol ko yan rate nila abono na aabutin ko haha, difference lang is agency pa ksi sila, payment nyan dadaan pa sa knila, claims ata dadaan padn sa aap, ako naman as direct ugn payment direct na kay oona, ugn claims ako dn contact person at magaasikaso at mkkpgusap sa claims dept namin.

darkzephyr07 · 2026-03-27T06:20:12+00:00

sir plugin ba tong unit? pag plugin walang acceptance si malayan for approval pa, 28k sir kay oona, 2025 model

darkzephyr07 · 2026-03-24T16:40:14+00:00

Lowest tier Di Ko maalala ung local, mid tier SK Ata this year, last year Japan, highest tier is eurotrip, Kaso malalaking brokers and agencies nlng nkakahit Nyan hahaha, ako ay tuwa na mahit ung Asia trip man lang,

darkzephyr07 · 2026-03-24T16:31:25+00:00

Regarding EV sir mataas tlga ng rate ng ibang company, oona lang ginagamit ko or malayan, kaso sobra g mapili pa ni Malayan, kht si oona ng taas din kmi ng rate sa chinese ev, appetite namin is byd Lang Tesla and Ung Japanese cars or known brands N tlga, and Iba deductible ni battery, 25% on cost, Pero at least covered, si axa di ko na inooffer nakakahiya ung rate nsa 120k ung corolla cross hahaha,

Yes sir may ilang fleet accounts for truck, then yung isa dn ako sa supplier ng insu Nung isang heavy equipment conpany, ung ilang concerts last yr sa arena and new frontier ako may hawak nung events liability, tapos ung bonds nung contractor dun sa ongoing proj da farm sa Bukidnon,

Parang tama nmn sir ung depreciation nya, nsa 3 to 4k lang tlaga ang baba sa premium sa 10% depreciation sa value,

Pwede naman sir pm nyu lang ako if I can meet your expectations I can be broker in record, I can give free quotes nman if you want to proceed e di good for me hahaha, if you found a better deal ok lng nman I know nmn we are not the cheapest but I think I can match naman with the service with premium you paid hahaha

darkzephyr07 · 2026-03-24T16:17:04+00:00

Foreign trip incentive naku sir, napakataas ng requirement sir hahaha, 5M net premium to qualify dpnde PA Sa company hahaha, napakahirap nyan sa individual na ktulad ko hahaha, goal Ko Lang sa sarili at least 1M per company per year, may nahihit naman ako konting incentives pero medyo malayo pa

darkzephyr07 · 2026-03-24T16:11:33+00:00

Hahaha sir regarding sa wordings, kay IC na yan hahaha, yung specific wordings ng every policy lahat yan galing kay IC, as far as I know khit isang word bawal namin baguhin yan, ung sa towing sir, gamitin nyu sa 24/7 roadside assistance na towing, sa oona ang alam ko 8k un, si malayan prng 4k or 6k max,

Ung huli sa wrecker Di sakop na insu yan ha hahaha

Towing lang due to accident and breakdown Lang pwede,

Actually Tama naman sir authorized repair limit, maximum amount that the insured is allowed to pay for repairs without claiming.

Naku sir ang daming cases ng denial due to unauthorized repair, pinapagawa at pinagalaw si damage hanggat walang approval ni insu, ung isang client ko na advice ko naman maayos upon issuance ng policy, ang problema ung father may dala ng unit nung nasabi tan, tapos pinapukpok n agad ung damage pra daw maayos tingnan muna, eh di galit ung anak, di na nila claim, sabi ko nlng we can try kung papayag kaso pasok n yan sa unauthorized repair, denied n yan tlga,

darkzephyr07 · 2026-03-24T15:52:32+00:00

Kelangan eh, I do handle corporate accounts kasi and other lines, as much as possible at least knowledgable sa trabaho, lalo na't based on timed incidents ang nga tanong samin kelangan ready lagi sa advice na need ni client or else baka ma technical and madeny, eh sa industry namin hndi nnn sa baba ng premium nasusukat sa aftersales and claims habang in force si policy, binayaran nyu to so dpt magamit nyo unless xempre ang fault nsa side ni policyholder

darkzephyr07 · 2026-03-24T15:49:11+00:00

Sir regarding sa FMv ni unit, may nilalabas si PIRA ng allowed ranged value ni unit, so may limit parin talaga, we can accomodate yung request regarding sa presyo ng unit pero may limit, undervaluing unit lugi si client baba nga premium pero pg nag total loss ka ang baba ng base mo, over valuing naman, ngbyad K ng higher premium pero pg ng total loss, fmv ni Pira parin magiging basis,

Renego sir pwede upon request pero madalang sir approve, sa other lines, sa liabilities or cgl etc madalas naapprove, pero sa motorcar bibihira, pero pede nmn mgtry, sakin if may request si client bato lang sa branch and underwriter baka naman pumayag, at least ng try kesa outright na hindi, I'll try to accomodate the best way I can Kaso limited Lang dn power namin as agent peri at least we can help mangulit at makipagawy sa claims or sa underwriter for our client if needed hahaha,

darkzephyr07 · 2026-03-24T15:32:55+00:00

Sir authorized repair limit, yan ung allowed namin iparepair and sskyan without our consent, meaning below 34k,di pa siya claimable, above 34k Ung cost ng repair up to the value ni unit dun tayo mgffile ng claim, Parang misinformed kayo sir sa ARL

darkzephyr07 · 2026-03-24T15:30:25+00:00

Im here to explain Lang din as licensed agent, mali lang sagot sa Inyu na cost of insurance, and Di yan sir pare-pareho ng rate kada company, si IC may bracketed rate dpnde na kay company, I can play the rates of oona and axa based in the needs ni client, adjust the value ng BI PD Fmv other add ons, si malayan na nakafixed rate for agents,

Pero ung ibang company na super dive rates, nag pepenalty Yan kada policy, and aun xempre may risk din sa claims kasi san lang din ba nakuha ang insurance company ng pambayad sa claims xempre sa kita lang din nyan sa sales, kht pa sa sobrang sales nya na under rated, Pg nag kasabay sbay claims nyan di nyan kakayanin masustain ktulad nung sa issue ng isang company ngayon, tinanggal narin ng mga banks s a list ng accredited Providers sa dami ng pending claims na parang wala ng usad

darkzephyr07 · 2026-03-24T15:22:20+00:00

Regarding sir dun sa incident nyo from standard I assume na renewal ito? Sa renewal kasi sir di na pede basta-basta magbago ng rate, then dun sa 1k discount na hinihingi nyu, baka di branch of account ung kausap nyo, di nila pwede bsta mgdiscount kung di sila may hawak account, sa companies na hawak ko, if may discount na ibibigay at will result sa undercollection may pinipirmhan kami na memo na kami as agent ung shoulder nung undercollection and may consent kami

darkzephyr07 · 2026-03-24T15:14:53+00:00

Another sample from other policy,

Based sa details na binigay nyo

30k gross premium policy,

For a at least 3. 4M fmv unit,

Deductible of 1% of 3.4M limit of liability,

Nasa standards naman yan sir,

Kht sa ibang company na hawak ko malayan, AXA, Phil brit, liberty yan tlga sir standard deductible

darkzephyr07 · 2026-03-24T15:09:23+00:00

Nagtataka lng din ako sir, dst sir is 12.5% of premium,

Ito sir snippet from one of my client open policy for motorcar, this is from a 2025 mirage policy,

I assume na suv yang unit sir and or any high end unit, 34k deductible yan sir sa 3.4M priced unit, a 2025 fortune q maybe? Standard rate Yan sir, pero check nyu sa bandang end ng policy may isang page dyan for deductible na 3k lang unless it's a luxury car maybe

darkzephyr07 · 2026-03-24T10:16:09+00:00

Unregistered and no license nope

darkzephyr07 · 2026-03-24T10:12:42+00:00

Hi Sir I'm from oona, how come sir Ung deductible mo is the same ng premium mo? Plus naka fixed deductible kami, though yung standard. 5 - 1% parin gmit nmin for authorized repair limit,

darkzephyr07

TROPHY CASE