Civic submerged at Dakshin Honda EDIT: Now resolved - Team-BHP

ajmat · 17th August 2009, 20:06

Someone in my company gave his Civic in for a service.

Last night, the neighbouring tank overflowed and submerged various cars upto a depth of 5 ft. Car had to be retrieved using a crane. Everything from dashboard downwards is damaged.

I advised him, don't even think of repair. Some questions:

Which insurer should pay - Dakshin Honda or my colleague. I understand Dakshin have called insurance surveyors - whose is another question
I advised him to register the incident with his own insurer to cover himself. Have the car surveyed but avoid pursuing claim until Dakshin make an offer
How much can he get ? I told him that he will lose the LTT portion unless Dakshin compensates him for this

mjothi · 17th August 2009, 20:18

Its so sad and shock to hear such things.

I remember that the job sheet or wahtever it is, says that the car is serviced at owners risk. I wish Dakshin does not point this and cleans of its hand.

In my opinion, it should be Dakshin who should get the insurance from their side. Do update us about the progress.

vid6639 · 17th August 2009, 20:19

There's some rule that flood damage has to be reported within 24hrs. I remember when my uncles Fiesta stalled in water, insurance was not honoured as we did not know about this rule.

Car was sent to Ford who opened and gave estimate. Then later someone told to ask for insurance who flatly refused as car was with ford and there was no traceback whether it was actually flood damage. They said within 24hrs claim should be lodged.

ajmat · 17th August 2009, 22:26

Latest update - DH are in discussion with their insurance. They agreed that damage is non repairable and are taking complete responsibility. Compensation remains to be seen!

mjothi · 17th August 2009, 22:41

Quote:

Originally Posted by ajmat

Latest update - DH are in discussion with their insurance. They agreed that damage is non repairable and are taking complete responsibility. Compensation remains to be seen!

Now thats something to be appreciated. Customer service. Great.

Nikhilb2008 · 17th August 2009, 23:48

Quote:

Originally Posted by mjothi

Now thats something to be appreciated. Customer service. Great.

Dont say anything so soon!! Words are cheap. Words come and go.

Jaggu · 18th August 2009, 00:25

Just saw this, i thought cars submerged on road when i received your sms. My bad.

Hope your friend gets a new car out of this!

GTO · 18th August 2009, 12:31

No questions asked, it is Dakshin & their insurance company who should compensate the owners. How old is your friend's Civic? The ideal deal would be = Cost of new Civic minus a discounted depreciation rate paid out to your friend. They could also throw in a massive discount on a new Civic.

Quote:

Originally Posted by ajmat

Latest update - DH are in discussion with their insurance. They agreed that damage is non repairable and are taking complete responsibility. Compensation remains to be seen!

Nice. Keep us updated.

Fountainheader · 18th August 2009, 12:33

Quote:

Originally Posted by GTO

No questions asked, it is Dakshin & their insurance company who should compensate the owners. How old is your friend's Civic? The ideal deal would be = Cost of new Civic minus a discounted depreciation rate paid out to your friend. They could also throw in a massive discount on a new Civic.

Wrong time for this to happen. With the facelifted (well whatever) Civic coming up, its a tough ask!

In the ideal deal, will the company take care of insurance/regn too ? Assuming that they owner has paid lifetime tax etc.

ajmat · 18th August 2009, 12:42

Quote:

Originally Posted by GTO

. How old is your friend's Civic? The ideal deal would be = Cost of new Civic minus a discounted depreciation rate paid out to your friend. They could also throw in a massive discount on a new Civic.

Nice. Keep us updated.

2 years and 2 months - I am suggesting he thinks on these lines

Quote:

Originally Posted by Fountainheader

Wrong time for this to happen. With the facelifted (well whatever) Civic coming up, its a tough ask!

In the ideal deal, will the company take care of insurance/regn too ? Assuming that they owner has paid lifetime tax etc.

We need to take account of this + 11 months emi to be foreclosed. He never thought of all these. He wants me to go along to the discussions in a few days.

However, Civics are'nt flying out of the showroom so may be a sweet deal could be worked out

Fillmore · 18th August 2009, 12:44

I was there on Saturday. They said 24 cars went underwater.
Their entire basement was flooded.

ashthedivx · 18th August 2009, 12:47

That's bad to hear about your frineds civic, Good to see DH people are taking responsibility. I would urge to take a written letter stating damage caused by them, to avoid any future mis-communication stuff.

I would suggest to compare "Car value minus depreciation" and "Discounted new car deal" side by side and then decide the move.

sgiitk · 18th August 2009, 13:31

Let us hope something positive comes out, and DH compensate his properly.

Incidentally, the one sided waiver you have to sign when the car goes in reads something to the effect that all storage and driving etc. as at owners risk. Whether this is enforceable is a different issue.

GTO · 18th August 2009, 14:54

Quote:

Originally Posted by Fountainheader

Wrong time for this to happen. With the facelifted (well whatever) Civic coming up, its a tough ask!

Too bad for the dealer. In my books, you cause the damage = you make up / pay up!

Quote:

Originally Posted by ajmat

2 years and 2 months - I am suggesting he thinks on these lines

Well maintained 2 year old Civic in Bangalore is worth what, 9 lakhs? They either write a check to your friend for 9 lakhs + some sweetner (50 grand for days without the car?), or adjust 10.0 lakhs against a new Civic.

Quote:

We need to take account of this + 11 months emi to be foreclosed.

When your friend is reimbursed, he can pay off the outstanding principal amount. Will be much lesser than the value of the 11 EMI's. Of course, you will have to bargain on the foreclosure charges (anywhere between 2 - 5% of outstanding principal amount).

Quote:

However, Civics are'nt flying out of the showroom so may be a sweet deal could be worked out

You can say that again.

Fordmanchau · 18th August 2009, 15:43

Sad to hear this, but its good that the dealer has owned up the responsibilty and agreed to compensate.

Quote:

Originally Posted by sgiitk

Let us hope something positive comes out, and DH compensate his properly.

Incidentally, the one sided waiver you have to sign when the car goes in reads something to the effect that all storage and driving etc. as at owners risk. Whether this is enforceable is a different issue.

IMO, if it had been just one or two car, the dealer might have tried finding a way around this clause. But it is 24 cars we are talking about here, some might be dealers own stock among these, but still it is a big number.
Hope everybody who lost here gets adequate compensation.

17th August 2009, 20:06	#1 (permalink)
ajmat Team-BHP Support Join Date: Feb 2004 Location: Bangalore Posts: 6,359 View My Garage	Civic submerged at Dakshin Honda EDIT: Now resolved Someone in my company gave his Civic in for a service. Last night, the neighbouring tank overflowed and submerged various cars upto a depth of 5 ft. Car had to be retrieved using a crane. Everything from dashboard downwards is damaged. I advised him, don't even think of repair. Some questions: Which insurer should pay - Dakshin Honda or my colleague. I understand Dakshin have called insurance surveyors - whose is another question I advised him to register the incident with his own insurer to cover himself. Have the car surveyed but avoid pursuing claim until Dakshin make an offer How much can he get ? I told him that he will lose the LTT portion unless Dakshin compensates him for this __________________ Rice is cheaper than German Potato's

17th August 2009, 20:19	#3 (permalink)
vid6639 Distinguished - BHPian Join Date: Jul 2006 Location: Bangalore Posts: 3,795 View My Garage	There's some rule that flood damage has to be reported within 24hrs. I remember when my uncles Fiesta stalled in water, insurance was not honoured as we did not know about this rule. Car was sent to Ford who opened and gave estimate. Then later someone told to ask for insurance who flatly refused as car was with ford and there was no traceback whether it was actually flood damage. They said within 24hrs claim should be lodged. __________________ Let's get "instigated"..... \ / ][ \|) `/ [_] "!"

17th August 2009, 22:26	#4 (permalink)
ajmat Team-BHP Support Join Date: Feb 2004 Location: Bangalore Posts: 6,359 View My Garage	Latest update - DH are in discussion with their insurance. They agreed that damage is non repairable and are taking complete responsibility. Compensation remains to be seen! __________________ Rice is cheaper than German Potato's

18th August 2009, 00:25	#7 (permalink)
Jaggu Team-BHP Support Join Date: May 2004 Location: Bangalore Posts: 6,903	Just saw this, i thought cars submerged on road when i received your sms. My bad. Hope your friend gets a new car out of this! __________________ The strength to change what I can, the inability to accept what I can't, and the incapacity to tell the difference. -Calvin

18th August 2009, 12:47	#12 (permalink)
ashthedivx Senior - BHPian Join Date: Feb 2007 Location: Delhi Posts: 1,018	That's bad to hear about your frineds civic, Good to see DH people are taking responsibility. I would urge to take a written letter stating damage caused by them, to avoid any future mis-communication stuff. I would suggest to compare "Car value minus depreciation" and "Discounted new car deal" side by side and then decide the move. __________________ Ashish K "Ninety percent of the politicians give the other ten percent a bad reputation."

17th August 2009, 20:18	#2 (permalink)
mjothi Senior - BHPian Join Date: Dec 2007 Location: Bangalore Posts: 2,152 View My Garage	Its so sad and shock to hear such things. I remember that the job sheet or wahtever it is, says that the car is serviced at owners risk. I wish Dakshin does not point this and cleans of its hand. In my opinion, it should be Dakshin who should get the insurance from their side. Do update us about the progress.

18th August 2009, 12:44	#11 (permalink)
Fillmore BHPian Join Date: Nov 2007 Location: Bangalore Posts: 94	I was there on Saturday. They said 24 cars went underwater. Their entire basement was flooded.

18th August 2009, 13:31	#13 (permalink)
sgiitk Senior - BHPian Join Date: Dec 2007 Location: Kanpur Posts: 1,025	Let us hope something positive comes out, and DH compensate his properly. Incidentally, the one sided waiver you have to sign when the car goes in reads something to the effect that all storage and driving etc. as at owners risk. Whether this is enforceable is a different issue. __________________ Life is short, do not make it shorter! Accent GLS 2002 Santro Automatic 2005

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