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12th November 2008, 13:06
| #1 (permalink) |
| BHPian  |  Car rammed by unknown vehicle - Insurance query!! Hello all.. My friend's car was parked outside at night on the road side. Morning comes and the car has been rammed - some negligent truck driver I guess. No one has seen the incident. Repairs estimated close to 80K. Will insurance cover this fully? Car is pretty new.. less than 2 yrs old. Would like to go fully informed as to what is possible and not possible.. Thanks so much Nimz |
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12th November 2008, 13:16
| #2 (permalink) |
| BHPian  |  Insurance will cover it. May need an acknowledgment from the area police station though. Make sure you have your story straight before the insurance surveyor comes. Also I hope the place is not a no parking zone. Insurance coverage will depend on the type of parts replaced and age of the vehicle. Labor charges are fully covered, metal parts will depreciate by around 10% maybe (not sure). Plastic parts will depreciate by around 50%. Which car and which insurance company is this.
__________________ It's not about how you act, how cool you are, or what you're wearing. It's all about how LOUD your car is. |
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12th November 2008, 13:32
| #3 (permalink) |
| Senior - BHPian  | If only the body is damaged i think you can get almost 90% of the claimed amount and remaining your friend need to shell out from his pocket. As Hemanth mentioned, for plastic and tyres, insurance will pay only 50% and rest from the pocket. No need for an FIR with PS as no 3rd party is involved but, it is better to file a report as you never know.
__________________ I have terrible reflexes- I was once run over by a car being pushed by two guys !!!!!!! Last edited by mobike008 : 12th November 2008 at 13:33. |
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12th November 2008, 13:38
| #4 (permalink) |
| Senior - BHPian  Join Date: Feb 2006 Location: Bangy Boy!
Posts: 1,542
| Please file a complaint with the respective Police Station. FIR will not be required - you can ask them for a "GD" entry. Your insurance company WILL insist on this (as a part of their process to cut down fraudulent claims).
__________________ A closed mouth gathers no Feet. |
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12th November 2008, 13:58
| #5 (permalink) |
| BHPian Join Date: May 2007 Location: Bangalore
Posts: 121
| Thanks Nimz for starting this thread... This car belongs to me. Its Chevrolet AVEO UVA Jun 07. I just got the estimate from Sundaram motors RajajiNagar. Its about 78K.  I have the Royal Sundaram Insurance. The Surveyor is yet to come to the workshop and check the vehicle. Before I took it to the workshop yesterday, I did consult Royal Sundaram guys. They said that an FIR is not required, so I didnt get it done. The backside of my car has gone in. Details such as photo and detailed estimate I'll post later. |
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13th November 2008, 08:55
| #6 (permalink) | |
| BHPian  | Quote:
Please give the breakup as well of your total Rs.78000/- Once the surveyor has done the formality of survey ask the garage person to give the details of the expenses which he will not pay, half pay etc. post the details at the earliest.
__________________ Completing one year on 27th November 2009 to "Insurance - Ask me" Thread. - Rupesh Jadavji Vora. | |
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25th November 2008, 00:45
| #8 (permalink) |
| BHPian  Join Date: Feb 2006 Location: Bangalore
Posts: 367
| what car do you have . First please register a complaint at the nearest police station . I had a similar incident with my palio 1.6 most of it was plastic so yes insurance gives 50% for plastics if its body , winshield they will give full.
__________________ AS LONG AS YOU DONT SEE THE CORNER THROUGH YOUR REAR WINDOW YOU ARE IN CONTROL!!!! |
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25th November 2008, 16:36
| #9 (permalink) | |
| BHPian | Quote:
Police complaint is not compulsory to settle the insurance claim, since there is no Third Party involve in his case.
__________________ Completing one year on 27th November 2009 to "Insurance - Ask me" Thread. - Rupesh Jadavji Vora. | |
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25th November 2008, 16:40
| #10 (permalink) | |
| BHPian | Quote:
 just for my knowledge!!
__________________ Completing one year on 27th November 2009 to "Insurance - Ask me" Thread. - Rupesh Jadavji Vora. Last edited by rjvora_2000 : 25th November 2008 at 16:40. Reason: more info | |
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26th November 2008, 09:35
| #11 (permalink) |
| BHPian  Join Date: Jul 2008 Location: Tamilnadu
Posts: 335
| My Chevrolet U-VA was involved in an accident - hit a cyclist. Cost of repairs was abnout 18000 Rs. Royal Sundaram covered it and did not insist on an FIR - the surveyor is a pretty straightforward guy here at Trichy. For insurance purpose, an FIR does not seem necessary based on my experience this time.
__________________ BSA Street Cat(sold) TVS Champ(sold) Kinetic Honda(running strong) Maruti 800(Dads car) Chevrolet UVA(29th Aug, 2008) |
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26th November 2008, 09:38
| #12 (permalink) | |
| BHPian | Quote:
 - In my opinion)
__________________ Completing one year on 27th November 2009 to "Insurance - Ask me" Thread. - Rupesh Jadavji Vora. | |
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