Go Back   Team-BHP > BHP India > Team-BHP Reviews > Indian Car Dealerships


Reply
 
Thread Tools Search this Thread
Old 10th September 2009, 00:42   #1
BHPian
 
Join Date: Oct 2007
Location: Bangalore
Posts: 56
Thanked: 0 Times
Default Insurance claim estimation - Skoda Fabia - Marikar Engineers - Kochi

I had an accident on my fabia while driving down the Krishnagiri highway when I hit a canine that just sauntered across the road when I was doing about 120 km/hr, as a result of which the right side of the bumper was damaged significantly. I first took it to Vinayaka Skoda - whitefield who said that the bumper would need to be replaced and the cost would be about 15k; however since my insurance was from Kochi i decided to drive down there and get it done (owing to the overall ease of claiming it). I gave the car to Marikar Engineers last week and now they claim an estimate of 75K!! When I spoke to the engineer there he said this is normal as they want to be sure that everything is covered when they claim but I will be charged only for what is actually changed. Questions : 1. Is this hyper inflation of estimates normal? 2. What is the impact of the same on my insurance premium ? 3. Do you guys think there is something fishy going on or am I overreacting?
parichay is offline   Reply With Quote
Old 10th September 2009, 00:58   #2
BANNED
 
Join Date: Nov 2008
Location: panchkula
Posts: 362
Thanked: Once
Infractions: 0/1 (10)
Default

1. There must be something fishy only because 75k is 5 times more than 15K! I suppose those Marikar engg. guys will most probably show that more work was done on the car and take more money from the insurance company. Though you'll still end up paying whatever the depreciation difference etc one has to pay.

2. No affect on your insurance premium.

3. You aren't over-reacting. Same thing the Honda guys did with me for my activa. Anycase, I bargained with the showroom owner into me not paying any money at all (After all it was my vehicle they were minting money from the insurance guys against).
bharti22shresth is offline   Reply With Quote
Old 10th September 2009, 01:01   #3
Senior - BHPian
 
Fountainheader's Avatar
 
Join Date: Feb 2008
Location: Silicon Valley
Posts: 1,502
Thanked: 8 Times
Default

Quote:
Originally Posted by parichay View Post
Questions : 1. Is this hyper inflation of estimates normal? 2. What is the impact of the same on my insurance premium ? 3. Do you guys think there is something fishy going on or am I overreacting?
Given that its a Skoda, no one will have doubts about this one

If its just the bumper, then its natural that only the replacement will be sanctioned by the Insurance surveyor. If I were you, I'd stand right next to the surveyor and get the final figures before proceeding with any work.
Fountainheader is offline   Reply With Quote
Old 10th September 2009, 09:06   #4
BHPian
 
Join Date: Oct 2007
Location: Bangalore
Posts: 56
Thanked: 0 Times
Default

Hmm...I am thinking of pulling it out of marikar and getting it done in elsewhere. They have estimated headlamp assembly, intercooler etc in their estimate whereas when I got it inspected in Vinayaka Skoda in Whitefield the issue they found was with the bumper and the foglamp assembly.
parichay is offline   Reply With Quote
Old 10th September 2009, 11:51   #5
GTO
Team-BHP Support
 
GTO's Avatar
 
Join Date: Feb 2004
Location: Bombay
Posts: 47,732
Thanked: 89,257 Times
Default

Instead of going blindly by the numbers, a more sensible approach would be to:

1. Assess the actual damage

2. See which parts need to be repaired / replaced

3. Then, get a quote on the same.

Could be that Vinayak only quoted you for the bumper, and Marikar found internal damage?
GTO is offline   Reply With Quote
Old 10th September 2009, 12:38   #6
Senior - BHPian
 
mjothi's Avatar
 
Join Date: Dec 2007
Location: Bangalore
Posts: 3,252
Thanked: 216 Times
Default

If I am right, its not just the dealer who is going to prepare the quote and start the work. If it exceeds like 25K (may vary with insurance guys), then they do have a independant surveyor who is suppose to give a report on the vehicle.

So, dealers cannot just put everything under the carpet.

Coming back to the quote. yes, it would be more in estimation. Then will come down on Surveyors report. Then still it will come on actual bills.

In case it needs to be increased during the repair, they cannot carry out the repairs until the surveyor checks and approves that part replacement / repair.
mjothi is offline   Reply With Quote
Old 10th September 2009, 16:04   #7
BHPian
 
Join Date: Oct 2007
Location: Bangalore
Posts: 56
Thanked: 0 Times
Default

Quote:
Originally Posted by GTO View Post
Instead of going blindly by the numbers, a more sensible approach would be to:

1. Assess the actual damage

2. See which parts need to be repaired / replaced

3. Then, get a quote on the same.

Could be that Vinayak only quoted you for the bumper, and Marikar found internal damage?
GTO : The guys at Marikar have not even taken a look at the car (though its been lying there for about 2 days now). They have arrived at a ballpark estimate based on what "could" be wrong from my description of the accident. Just wondering how they arrive at such numbers in the first place! When I spoke to the guy in charge at Marikar, he said that this is just an estimate and that they need to look at the vehicle in detail before they can really access the damage but they include every potentially damaged part into it. Vinayak quoted me for the bumper but after examining the vehicle in detail whereas Marikar seems to be interested in the quotation first and then examination. My issue is with the way in which they just inflate the initial estimation. Gives the owner a shock and the insurance people run for cover.
parichay is offline   Reply With Quote
Old 10th September 2009, 16:12   #8
BHPian
 
Join Date: Oct 2007
Location: Bangalore
Posts: 56
Thanked: 0 Times
Default

Quote:
Originally Posted by mjothi View Post
If I am right, its not just the dealer who is going to prepare the quote and start the work. If it exceeds like 25K (may vary with insurance guys), then they do have a independant surveyor who is suppose to give a report on the vehicle.

So, dealers cannot just put everything under the carpet.

Coming back to the quote. yes, it would be more in estimation. Then will come down on Surveyors report. Then still it will come on actual bills.

In case it needs to be increased during the repair, they cannot carry out the repairs until the surveyor checks and approves that part replacement / repair.
Yes; there is a surveyor sent by the insurance company (oriental in my case) and I have asked the survey to be conducted when I am present. I know for sure that only the bumper and the fog lamp plastic is damaged (from the evaluation done by Vinayaka) and will definitely not want to pay for the intercooler and headlamp assembly etc which are part of the marikar estimate. It maybe that this is the normal mode of operation where the dealer first covers every part that could have been damaged and then charges only for the real damage but 75k comes as a shock even though its an estimate. I had a similar accident once on my cedia but luckily got away with just a broken skirting. Cost me about 4K to fit it back.
parichay is offline   Reply With Quote
Old 10th September 2009, 16:24   #9
BHPian
 
Join Date: Apr 2009
Location: Seattle
Posts: 573
Thanked: 49 Times
Default

^^^
Insurance people can see thru the inflated initial estimate (its their job) and the inflated initial estimates are a norm (and not an exception).

Here's my understanding of the process -

- The initial estimate includes everything that could potentially be wrong with the car. The damaged parts can't be dismantled before the car is surveyed.
- The insurance survey is done and the necessary repairs/replacements are approved by the insurance agency. This is the bit where you need to be careful. Only the approved work with be paid for by the insurance cover. Additional (unapproved) work needs to be carried out at your own expense.
- The repairs are carried out.
- Another survey is done to ensure that the repairs are done as directed and upto the mark.

The initial estimate is always prepared as a worst case scenario - don't go by Vinayaka Skoda's 15K estimate. They did not give that in writing did they? And a hit to the bumper at 120km/hr would definitely cause internal damage that isn't visible to the casual observer.

The second estimate seems to be more realistic (given that there could be damage behind the bumper) - the actual amount will be know only once the repairs are finished.
CrackedHead is offline   Reply With Quote
Old 10th September 2009, 16:34   #10
BHPian
 
Join Date: Oct 2007
Location: Bangalore
Posts: 56
Thanked: 0 Times
Default

Quote:
Originally Posted by CrackedHead View Post
^^^
Insurance people can see thru the inflated initial estimate (its their job) and the inflated initial estimates are a norm (and not an exception).

Here's my understanding of the process -

- The initial estimate includes everything that could potentially be wrong with the car. The damaged parts can't be dismantled before the car is surveyed.
- The insurance survey is done and the necessary repairs/replacements are approved by the insurance agency. This is the bit where you need to be careful. Only the approved work with be paid for by the insurance cover. Additional (unapproved) work needs to be carried out at your own expense.
- The repairs are carried out.
- Another survey is done to ensure that the repairs are done as directed and upto the mark.

The initial estimate is always prepared as a worst case scenario - don't go by Vinayaka Skoda's 15K estimate. They did not give that in writing did they? And a hit to the bumper at 120km/hr would definitely cause internal damage that isn't visible to the casual observer.

The second estimate seems to be more realistic (given that there could be damage behind the bumper) - the actual amount will be know only once the repairs are finished.
Thanks CrackedHead. Now I understand how the insurance claim process works. I also realize now why the marikar guys would not open up the vehicle to assess the real damage to come up with the actual estimate until the survey is done. I guess all the skoda horror stories on this forum have had their effect that now anything they do/say is considered to be evil
parichay is offline   Reply With Quote
Old 22nd September 2009, 11:44   #11
BHPian
 
Join Date: Oct 2007
Location: Bangalore
Posts: 56
Thanked: 0 Times
Default

Ok, my worst nightmare has come true. The accident has resulted in a disconnection of the joint that holds the intercooler of my car to the body. Its not fallen off or anything but one end has detached. What shocked me is that now Marikar claims that the intercooler has to be replaced along with the sensor. Cost : about 17K. Need advice. If the intercooler itself has not been damaged nor the sensor; if one end of the clip that holds it in place has detached is it normal to replace the entire intercooler + sensor?
parichay is offline   Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search


Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance claim? Pay a little extra and retain your No-Claim Bonus! parrys Indian Car Loans & Insurance 12 1st November 2017 19:11
Marikar Skoda (Kochi) shuts down. EDIT: Manikantan Skoda coming up at Edappally joethomasv Indian Car Dealerships 23 16th June 2017 15:29
Unprofessional Attitude - Marikar Engineers Cochin Sedate Indian Car Dealerships 14 10th January 2016 18:08
Insurance Claim with Maruti Insurance through MSM Chennai! ForeRunner Indian Car Loans & Insurance 10 18th September 2011 12:01


All times are GMT +5.5. The time now is 14:37.

Copyright 2000 - 2017, Team-BHP.com
Proudly powered by E2E Networks