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Old 20th August 2009, 15:54   #16
Sha
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Which Suraksha centre? It is in bangalore or some other city.
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Old 20th August 2009, 15:59   #17
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Quote:
Originally Posted by lambuhere1 View Post
Does it differ by that much ? Nearly 1/3 of IDV is lost in total loss . Is it in reality how the total loss is calculated ?

Why not claim it as a total loss and go ahead with a new one. My personal opinion though !
Even I was thinking the same! I faintly remember my mama had a Omni which had a major accident around 5 yrs back and was declared a total loss. I think he got the entire IDV amount (70 K).
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Old 20th August 2009, 17:45   #18
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you are in a CATCH 22 situation ! sorry state !

but i know the Surakshaa guys from some years now....my spouse gets the car serviced since she works in E-CITY.

These guys are good from what i have learnt from my spouse, they have infact stopped my spouse from getting anything spares fixed saying its not required. This has happened many times though.

Once they did not even let her fix a new radiator cap saying it work well for few mare days...its been almost an year now...the radiator cap is fine.. just an example .

i think you should talk to them and my personal suggestion is that you sell the car. When the IDV of the car is 90K, there is no point in spending an amount of 150k !...isnt it ? think over ! there is no way the value of the car going up even of you spend so much....

better declare total loss....seeing the pictures, i dont think after the repairs the car may not have good drive quality.

lets us know what you do with it .

Good luck !
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Old 20th August 2009, 22:47   #19
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ok,the reason for which i had asked for details,was due to the following

1.you pay around 90 thousand according to the second proposal,get the car repaired,use it for a 1-2 years and then sell it.
2.you declare a total loss,get around 80-85 thousand as cash,after deducting 5% etc.

the parts used in repairing may not of good quality.further a total loss vehicle will take its own time and the repairs estimate may go up or down depending on the situation.

i would advise you to take the idv as claim and buy another car.you may face problems at the time of resale while selling this car.
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Old 21st August 2009, 00:36   #20
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Declaring it total loss serves in your best interest, An 8 year old wagon r wont fetch you anything anyway and a repaired wagon R with new approns which seem like definitely damanged from the pics is easily noticable by any mechanic will be rejected in the 2nd hand market left right and center

Let this one go buddy !
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Old 21st August 2009, 13:37   #21
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Nothing new, a 8 year old car that meets with a major accident is best repaired by the after-market. 8 times out of 10, the repair costs at an authorised outlet will be higher than the book value of the car.

I recommend searching for a competent independent body shop.

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Originally Posted by bullinb View Post
No offenses, but I feel "fraud" is way too harsh.
Agreed. Thread title has been changed.
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Old 21st August 2009, 14:32   #22
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Quote:
Originally Posted by Sha View Post
Which Suraksha centre? It is in bangalore or some other city.

its near electronice city main junction ...on the left hand side while travelling from BANGALORE.
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Old 23rd August 2009, 16:09   #23
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Thanks everyone for sharing ur views. Really appreciate it.
Quote:
Originally Posted by bullinb View Post
No offenses, but I feel "fraud" is way too harsh.
I agree, probably i got carried away. I should have said 'incompetent' or 'corrupt' whichever is applicable. Let me elaborate on the reasons with the help of a user story.

Car meets with an accident. Car cannot be moved around ONLY towed around. Owner tows the car to the nearest service centre. Service centre owner looks at the insurance copy and prepares his estimates. For IDV value of 90K, he prepares an estimate of 2 Lacs, and here is the best part - 80K is categorized as "check and report". Which implies that the car can be fixed for 1 lac 20 K and also 2 Lac. Surveyor comes, based on estimate of 2 Lac, he calculates insurance liablility to be 87K. Since it is greater than 75% of IDV, he suggests that total loss should be declared. But the owner insists on repair ( sentimental value ). Surveryor says that insurance will pay 49.5 K for repair ( almost 17 K less than 75% of IDV ).


2 important pieces of information :-
1)owner got the car damages re-estimated by another service centre. The estimates come to 1 Lac 16 K.
2)Current service centre says that of 80K ( categorized as check and report ), max 15-20K expense will be incurred. Rest he has kept only to be on a safer side.

Now, lets say owner goes for repair. Total cost incurred is 1lac, 20K ( confirmed in the estimate ) + 18K ( from check and report ). Insurance pays 50K. Owner pays 88K.

If the estimates was 1 Lac 40K in the first place, insurance liability would have been less than 67.5 K ( 75% of IDV ) and owner would have to pay 70.5K. Owner saves 17.5 K.

The point I am trying to drive is that by simply inflating the estimates burden has shifted from insurance company to the owner. 80K estimate, categorized as check and report, is almost 40% of the total estimate. This is simply unacceptable. In no job one gets a luxury to put 40% as a safety buffer.

Quote:
Originally Posted by GTO View Post
Nothing new, a 8 year old car that meets with a major accident is best repaired by the after-market. 8 times out of 10, the repair costs at an authorised outlet will be higher than the book value of the car.

I recommend searching for a competent independent body shop. .
Can u pls suggest one in Bangalore ?

Quote:
Originally Posted by bullinb View Post
No offenses, but I feel "fraud" is way too harsh. What Suraksha is asking seems to be fair, and standard practice. As for the difference in the quote, you've said it yourself - the second service center is going to use used parts. Parts form the junk yard in other words. Their quote will obviously will be lower.
I am assuming here that the other service centre being a Maruti authorized centre as well, will not break from their standard practices.


Quote:
Originally Posted by lambuhere1 View Post
Does it differ by that much ? Nearly 1/3 of IDV is lost in total loss . Is it in reality how the total loss is calculated ?
I was wrong there. In the event of total loss insurance will pay me 89.5 K ( almost the IDV value ). Thanks for pointing that out.


Quote:
Originally Posted by humyum View Post
Declaring it total loss serves in your best interest, An 8 year old wagon r wont fetch you anything anyway and a repaired wagon R with new approns which seem like definitely damanged from the pics is easily noticable by any mechanic will be rejected in the 2nd hand market left right and center

Let this one go buddy !
Well, here i am thinking, that if the chassis is not damaged ( currently the item is under check and report ) than it might be worth getting the car repaired. If the chassis is damaged then its not worth repair. What do you guys think ?
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Old 23rd August 2009, 20:48   #24
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Search through the forum for recommended body shops in Bangalore.
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Old 23rd August 2009, 22:05   #25
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Hi Morphean,

The photos show that the car is heavily damaged. Whatever the workshop does, it is never going to be the same car it was before the accident. Hence, the reliability of the car, the smoothness, the drive, etc., could be different. After spending about 1.5 Lakhs for repairs, you might end up in a dilemma which will be bigger than what it is today. It might turn-out that you are not happy with the car, but at the same time, you will not be able to change it as you spent a lot of money to repair it.

The car is already 8 years old. Sure, you would not have sold it for another 2-5 years. Unfortunately, the car has suffered a major accident and at this point I would suggest you should change your plans.

In case you want to repair the car and keep it due to an emotional reason, please do so. But, if you are not very attached to your car, please go ahead and change it buddy.
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Old 24th August 2009, 14:18   #26
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Quote:
Originally Posted by morphean View Post
Can u pls suggest one in Bangalore ?
Try Sai Colorium for body repair.

Quote:
Originally Posted by ravibhat View Post
Sai Colorium near Sarakki Main road, If you start from Devegowda Petrol Bunk side in banashankari ring road take left turn in Kanakpura road junction signal and then within 1 km take right turn where you see vegitable and other road side shops, within 1 km there find sunrise hotel left side and right side road arch. Iis small road junction (its called indira gandhi circle), take left there which is sarakki main road. Travel around 1 km and take left in mud road into residential sort area which leads to this paint/body repair shop Sai Colorium. Its difficult to locate from Sarakki main road but ask locals there about it.

Regards,

Ravi.
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Old 28th August 2009, 11:30   #27
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Thanks for changing the title, in due respect to Suraksha and others some of those words could have been avoided - that is IMHO.

@ morphean: How did the accident happen? Hope anyone possibly inside the car are safe and sound and escaped any major injuries. It is a bad one as we can make out from the picture - take care.

Regarding your earlier messages, I would be doing the following if I were you.

Agree for scraping the vehicle, there is always going to be future issues on repairing such a shaped vehicle and believe me the vehicle is not going to be the same way it was before (understand your sentimental attachment but it might change later)

If only going for repair than scraping, I will go with Suraksha in Bangalore with replacememnt of parts and necessary repairs than going with a garage who mentioned that some repaired parts will be used from other vehicles, I will be more concerned about this than the estimate issue mentioned here.

I see your point about estimates and the contribution from insurer thus varying, may be you have to pay around 20 K more from your pocket. But if you now go with A***n, you have to pay the parking charges etc and then also compromise on the repaired parts - I would suggest you dont go through this A***n route.

Parking charges mentioned are standards and anyone can possible try to negotiate

I also have the following query:

If we scrap the vehicle shouldnt we get the full IDV - some minor figure less may be?

How can you trust A***n that they will stick to the estimate and do a quality of job?

Regards,
narayanang76
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Old 18th September 2009, 22:21   #28
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Thanks guys for your support.

Based on your inputs and other consultations, i have decided to declare total loss on the vehicle. I would be getting IDV-Rs 500 as the amount from the insurance company. I still havent got the money cos the insurance was done in delhi and the file is still sitting there for approval ( I am based in Bangalore). And being a sarkari company , New India Insurance, its taking its own sweet time. I still havent figured out on how to handle parking fee. Its been almost 2 months and if the dealer charges me Rs200/- per day than it will be huge.

I still feel that the whole drama wouldnt have happened if the Suraksha guys had come up with better estimates. Anyways, everyone in this world is trying to cover his A**, then why not 'Suraksha'.

I have already started to test drive few vehicles and I promise I will keep you guys in loop right from test drive experience, to vehicle comparison, to buying experience, to short term ownership experience, to long term ownership experience.

Thanks again guys.
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