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    Thread: Alto lxi accident damaged

    1. #1
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      Alto lxi accident damaged

      Dear friends

      I was cruzing when one volvo bus overtaked me but the back side banged my fender body and bumber and also scratch up headlight. Then while turning to park at one 3 star hotel I accidently banged a cement plant pot and scratched left side fender body and also bumber. My father-illa already claimed insure last year february for small accident. Shall I claim insure now because one mechanic said I will lose money when I claim insure. Please clear my doubts.

      Regards

      SMF

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      Quote Originally Posted by sandy View Post
      Dear friends

      I was cruzing when one volvo bus overtaked me but the back side banged my fender body and bumber and also scratch up headlight. Then while turning to park at one 3 star hotel I accidently banged a cement plant pot and scratched left side fender body and also bumber. My father-illa already claimed insure last year february for small accident. Shall I claim insure now because one mechanic said I will lose money when I claim insure. Please clear my doubts.

      Regards

      SMF
      Sandy, you can ofcourse claim for insurance. You will not loose money if you claim, the only downside is that your premium might go up by say 10%-15% *since you are making frequent claims*. In some cases, if you are insured with a private concern, there is a possibility that the insurer might not renew your insurance. In which case you can always opt for government backed insurance (such as National insurance, Unit india et. al)

      My suggestion is, get the car evaluated (for repair & repaint) by MASS (Maruti After Sales & Service). Get a quote from 2 or 3 MASS, compare and bargain. Also take an evaluation form independent garages such as MyTVS (guys from kerala will be able to hep you). If the total amount is less than 3k then try to pay from your pocket, else go in for insurance claim.
      Caveman on Ketosis

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      Put up pics of the damage. Will help our experts asses the damage and tell you whether to claim or not.
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      The pictures are little unclear due to darkness:
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      MutantX if I paint from non mass like tvs I will lose my car garanty no? See I have extented waranty also. Also my mass service my car has good painting department. Does other mass have same painting qualities also? My right side tyre is also making a duk duk duk sound while steering to left side. I feel the axle also gone.

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      Extended warranty doesn't cover the paint or external body work. Dont worry as MASS dont really worry their customers if they get their car panels repainted else-where.

      Anyways, MyTVS is good and they provided very good repainting service as they have dedicated paint matching machines, paint booth and heater room. They provide competitive rates.

      On the other hand, I found MASS equally good (if not, even better) and rates are much better. The damage you have seem to be a misaligned bumper. All it requested is tinkering and repainting. The quote will be around 4-5k including tinkering, repainting, bumper removing and re-fixing charges (incl labor). You can bargain at MASS to get a better rate.

      As for the insurance part, you will have to decide if you want to claim or not. Since it is your second claim in 2 years, i am not sure what effects this might have on your policy during renewal (in case of private insurance).
      Caveman on Ketosis

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      See MutantX I am paying rs:6500 for full insureance and also the company was new india assurance. Last year I payed rs:8500. So my premium will increase or decrese next year if I do claim now.
      Also mytvs have no booth or heater room only a open shed only.

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      sandy - goahead with the claim if it is new India insurance. NI has a tieup with maruti to give cashless settlement process. MyTVS in chennai is a huge facility that has a dedicated paint booth and a heater room. But if they arent available,go ahead and drop your vehicle in MASS. They do a very good job
      Caveman on Ketosis

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      MutantX I visited the mass and they assured they will finish job in 2 days only but they say they are not sure for painting bumber because it is not company painting only bonus painting.

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