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Old 26th February 2009, 19:56   #1
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Default Repair Skoda or buy new Car ???

Few weeks back, I met with an accident on highway while driving in my skoda octavia 1.9 TDi.

I was driving down the highway and suddenly (!!) a camel cart came in the middle (transversally parked on the highway!) resulting in a head-on collision with the cart.

Worse, the cart was laden with a metal water tank which fell on my car tearing a part of roof.

Luckily, everyone involved, including me, escaped with minor injuries but a totally front-wrecked car.

The extent of damage on car is as follows:

Front Bumpers
All Front Lights
Bonnet + Bonnet/Bumper assembly
LH + RH Side panels
LH + RH 'A' Pillars
RH 'B' Pillar
Roof
Front Seat assembly
Seat Belt pre-tensioners
various parts in engine assembly


Engine continues to crank normally but coolant/PS oil compartments are broken. (Surprise, Surprise!)


Upon inspection, Insurance broker has given a settlement estimate of about INR 200,000/- which for obvious reason, we declined !

We are more interested in cash settlement so that we can rid of this car since it has been involved in 2 accidents already with different members of family.

I need help from community to decide about course of action to follow.

Should I go for cash settlement and buy another premium sedan ? If yes, then which car?
Is it possible to exchange car after repair and what would be expected value ?
Accept cash settlement and sell car for spares in market, is it wise ?
Just repair the car and curse my bad luck ?

Any suggestions in this matter will be highly appreciated.

Another thing i noted, In both the accidents, being full frontal crashes, and drivers wearing seat-belts (atleast i was), airbags did not deflate. Is it a skoda problem ?

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Last edited by Rehaan : 2nd March 2009 at 03:56. Reason: See note in post
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Old 26th February 2009, 21:52   #2
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cash settlement...chuck the car.
It's gonna be a loss but it's better to get rid of a car that has seen so much.
Airbags not deflating is a cause of concern if the impact was hard.
Which new car, depends on your budget.
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Old 26th February 2009, 21:58   #3
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Quote:
Originally Posted by Sahil View Post
cash settlement...chuck the car.
It's gonna be a loss but it's better to get rid of a car that has seen so much.
Airbags not deflating is a cause of concern if the impact was hard.
Which new car, depends on your budget.
New Car would once again be in premium segment...VW Jetta sorts...
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Old 26th February 2009, 22:19   #4
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Quote:
Originally Posted by akhilesh51 View Post
...airbags did not deflate.
You mean airbags did not inflate/deploy. Did your front bumper survive the crash? The impact sensors to deploy the airbags are usually behind the front bumpers, so if you hit something at headlight level, there is a small chance that the airbags won't deploy.

Throw out the car - you don't really want any more crashes in it. Maybe that is one unlucky auto for you...
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Old 26th February 2009, 22:27   #5
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Ask for a repair estimate also and also get a quote for a like for like replacement. Rs 2L is very little for repair costs. Assuming the car is 4-5 years old Rs 2L is reasonable since you will have to shell out for depreciated / plastic items. If repair or cash, you will be taking a hit
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Old 26th February 2009, 22:38   #6
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I would not suggest spending more money on the car. There are garages that buy these accident cars and either fix them or sell them as parts. Hence check with them in your city about the price that they would pay for your car.
I believe you are better off selling this and buying something else.
BTW what other car are you looking at and what is your budget?
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Old 26th February 2009, 23:04   #7
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I think you should discard the car and settle for cash settlement because even after getting it repaired, which is going to cost you a bomb, you will not be able to get the car to its former glory.
Are you looking to buy a diesel car this time as well ?

PS: Off topic-This is my 51st post and it feels good to see BHPian next to my id

Last edited by no_limit : 26th February 2009 at 23:07. Reason: Didnt realise this was my 51st post.:)
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Old 26th February 2009, 23:09   #8
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i think its better to ride off the car. try contacting some garrage people who can repair and sell this car. second hand car bazaar does lots of these types of repairs and sell off. this will fetch you more money i think so.

all the best for your next car. get the car on some auspious day with muharat. sorry for being superstitious.
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Old 27th February 2009, 00:01   #9
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how old is the car?
What is the current IDV?
If you can prove that the liability is 75% of the IDV, you can have the insurance company write it off as a 'Total Loss'.
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Old 27th February 2009, 06:08   #10
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agree with Nitrous, try to get it written as a total loss. Also as Ajmat mentioned, the cost seems reasonable to me.

Otherwise I would suggest you repair the car and use it. Skoda's have been the safer cars on the road.

Look at a new car only when you can bear huge financial loss on this one.
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Old 27th February 2009, 08:20   #11
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The overall chassis integrity is affected. Its better to go for a new car. The original strength of chassis cannot be brought back after a high speed shunt and in your case the front was a wreck.
Try to claim it as complete loss, which according to me, is a complete loss.

The repair cost might look reasonable at this time, but once the car enters the service center, then the cost may shoot up. There are chances of this occurring and at that time, you will not have any option but to pay for it.

Its safe bet to get a new car.
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Old 27th February 2009, 08:27   #12
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Quote:
Originally Posted by akhilesh51 View Post

Should I go for cash settlement and buy another premium sedan ? If yes, then which car?
Yes, buy a new car. If you are happy with the car's safety, buy the same model. Otherwise, buy a car like the Fabia, Civic, Laura, Jetta, or Accord which has better front crash test results than the Octavia.
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Old 27th February 2009, 10:29   #13
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Quote:
Originally Posted by ajmat View Post
Ask for a repair estimate also and also get a quote for a like for like replacement. Rs 2L is very little for repair costs. Assuming the car is 4-5 years old Rs 2L is reasonable since you will have to shell out for depreciated / plastic items. If repair or cash, you will be taking a hit
The car is only a year old.

Quote:
Originally Posted by f1fan View Post
I would not suggest spending more money on the car. There are garages that buy these accident cars and either fix them or sell them as parts. Hence check with them in your city about the price that they would pay for your car.
I believe you are better off selling this and buying something else.
BTW what other car are you looking at and what is your budget?
I am once again looking in 10 - 15 lac rane and almost certainly a diesel looking considering a monthly drive of about 8000 - 10000. My dad mainly uses the car and is almost always on road

Incidentally, I am myself an auto dealer (not Skoda!) and all preliminary survey was done by my works manager who was previously manager at Skoda dealership at Jaipur.

Also, Insurance was obtained from the same company which does insurance for all new cars delivered by us.

I have flexed my muscles all the way to RM for insurance company but to no avail.

The IDV currently stands at close to 9 Lacs so total loss is out of question.

Chasis of car has suffered a huge brunt and hence my reservations about getting the car repaired especially since its a skoda and services at later stage will be expensive to say of least.

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Last edited by Jaggu : 27th February 2009 at 12:44. Reason: back to back posts
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Old 27th February 2009, 12:16   #14
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Quote:
Originally Posted by Dose View Post
buy a car like the Fabia, Civic, Laura, Jetta, or Accord which has better front crash test results than the Octavia.
In the EuroNCAP test ratings:
Octavia : 4/5 stars. Euro NCAP - For safer cars | Skoda Octavia
Civic : 4/5 stars. Euro NCAP - For safer cars | Honda Civic
Laura/Jetta : 5/5 stars. Euro NCAP - For safer cars | Skoda Octavia
Accord : NA. The European Accord is Acura TSX.
Fabia : 4/5 stars. Euro NCAP - For safer cars | Skoda Fabia
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Old 27th February 2009, 14:03   #15
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Quote:
Originally Posted by aaggoswami View Post
In the EuroNCAP test ratings:
Octavia : 4/5 stars. Euro NCAP - For safer cars | Skoda Octavia
Civic : 4/5 stars. Euro NCAP - For safer cars | Honda Civic
Laura/Jetta : 5/5 stars. Euro NCAP - For safer cars | Skoda Octavia
Accord : NA. The European Accord is Acura TSX.
Fabia : 4/5 stars. Euro NCAP - For safer cars | Skoda Fabia
The Honda Accord (US model with their safety specs) is a top safety pick by IIHS. IIHS's testing is even more stringent (because IIHS represents the insurance industry) than the official NHTSA's ratings. See this:

IIHS-HLDI: Midsize moderately priced cars - Current Models
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