Team-BHP - View Single Post - Santro Xing Front Bumper gone for a toss

DDGuy · 27th December 2008, 20:14

So I am in Chennai now till 1st Jan. While on way from Banglore, hit a dog at 120K (followed the golden rule of NOT braking when faced with a stray dog) and ended up with a broken front bumper and a disappeared fog lamp (see pic below). (I was actually shocked to see bumper broken to such an extent by a dog hit)

I checked up with Kun Hyundai here in Chennai and he says 2K for bumper + 3K for coloring the bumper + 1.5K for fog lamp. As per him if I claim insurance (ICICI Lombard), I will get 50% for bumper (being plastic), full for coloring and nothing for fog lamps (being glass part). Last year I had 25% NCB (around 1500/-). Does it make sense to do this repair via claim (its a 2.5 year old car) or all by my own? Also is this estimate fair (3K for painting a 2K bumper !!)

PS: Can I switch my insurance company next year?

27th December 2008, 20:14	#1 (permalink)
DDGuy BHPian Join Date: Oct 2008 Location: Bangalore Posts: 47	Santro Xing Front Bumper gone for a toss - to claim or not is the question !! So I am in Chennai now till 1st Jan. While on way from Banglore, hit a dog at 120K (followed the golden rule of NOT braking when faced with a stray dog) and ended up with a broken front bumper and a disappeared fog lamp (see pic below). (I was actually shocked to see bumper broken to such an extent by a dog hit) I checked up with Kun Hyundai here in Chennai and he says 2K for bumper + 3K for coloring the bumper + 1.5K for fog lamp. As per him if I claim insurance (ICICI Lombard), I will get 50% for bumper (being plastic), full for coloring and nothing for fog lamps (being glass part). Last year I had 25% NCB (around 1500/-). Does it make sense to do this repair via claim (its a 2.5 year old car) or all by my own? Also is this estimate fair (3K for painting a 2K bumper !!) PS: Can I switch my insurance company next year? Attached Images