Claim insurance now or later?

[ajayclicks]

Long story short- a truck came too close to my swift and both the non drivers doors have a cut on the outer panel. MASS says that the doors would need replacement. Though I would be claiming insurance, I would still need to pay arnd 4k (car is 3 yrs old). The doors are operating fine, they lock, windows roll up etc.

Some points to be considered:

• I have a no claim history till date, and my insurance policy is up for renewal in mid-june. So might as well benefit from the NCB and then get work done
• I stay at JP Ngr and my office is in Hebbal, and post May, traffic will increase (BIAL)- more traffic- more lane cutting- more dents/ scratches- continue with the damaged doors till everyone gets used to the additional madness on the roads.
• Rains- trees falling- water logging- increased traffic + point mentioned above

So, should i get the doors replaced now, or wait it out for a few months? The last two points appear a bit weak- my car could get hit/ damaged anytime, but wondering from the NCB point of view.

Cheers

[diabloo]

If you can put up broken doors, then wait for 1 and 1/2 months, renew the insurance and claim insurance.
If you opt for this, in those 45 days you you can drive fearlessly, and teach a thing or two to those lane-cutters.

Originally Posted by ajayclicks

I have a no claim history till date, and my insurance policy is up for renewal in mid-june. So might as well benefit from the NCB and then get work done

[svsantosh]

1) Rust is faster than light. (Personal exp)
2) No claims are accepted on even a tiny weeny Milimeter of Rust spotted
3) Today or Tomm - you are going to get it done, might as well do it now
4) All said, 1 Picture speaks thousand words. Please post 1 ASAP. I can guide you if doesnt need a replacement and just a dent work.

[ajayclicks]

Originally Posted by diabloo

If you can put up broken doors, then wait for 1 and 1/2 months, renew the insurance and claim insurance.
If you opt for this, in those 45 days you you can drive fearlessly, and teach a thing or two to those lane-cutters.

Was thinking on similar lines as well

[]-[eaton]

if im not wrong. The value of the car will actually go down next year, so the amount u pay from the pocket would be higher for the new door u replace.

[ajayclicks]

Originally Posted by svsantosh

1) Rust is faster than light. (Personal exp)
2) No claims are accepted on even a tiny weeny Milimeter of Rust spotted
3) Today or Tomm - you are going to get it done, might as well do it now
4) All said, 1 Picture speaks thousand words. Please post 1 ASAP. I can guide you if doesnt need a replacement and just a dent work.

1) Have covered the damaged area with electrical tape- have a black swift, so the black tape kinda merges in

2) Was not aware of that. will verify with MASS

3) My thought was that by doing it a month later, I get a NCB

4) will try to post pics- there is a cut. it will require tinkering and welding- and then maybe those vinyl stickers. if it comes close to 4k, might as well claim insurance

Cheers

[Hurrycane12]

In case you are planning to claim insurance later dont go to tinker and weld else you may not be able to get the claim.

You better go with Option 1 of taping it and dont allow it to catch rust. Also remember that while lodging the Insurance claim you will have to tell them it a accident which has happened max 2-3 weeks ago or on the same day, if you tell them it was 3 months ago there will be more complications.

One of my colleague had a minor accident and delayed getting his car repaired and also the Insurance claim. He had to undergo a lot of questioning a written statement was taken that he did not have the time to get the car repaired, hence the delay.

[ajayclicks]

I must admit, I was being Naive. I thought the workshop would try and get repairs done, as there would be a margin built in, and therefore would "convince" the surveyor to pass the claims. One point i forgot to mention, I have maruti insurance.

[ajayclicks]

Originally Posted by ]-[eaton

if im not wrong. The value of the car will actually go down next year, so the amount u pay from the pocket would be higher for the new door u replace.

Oops... did not think about that :(