[esteem_lover]

I did not read the responses, but looking at the pictures, please take the 4 lakhs, not many insurance companies will come out with that kind of offers, believe me, I know the way they work.

[mjothi]

Total loss is not so easy in case of accidents. Why?

The total loss will be provided only if the Insurance share is more than the 75% of the IDV. This is NOT same as the total repair cost.

So, sometimes they negotiate to give total loss / cash loss which may be less than their share for repair. Because, they know they cannot recover the money from you, even if you pay them premium regularly for next 10years.

Originally Posted by libranof1987

In such cases where the estimate itself is running to 3+ lakhs, shouldn't the owner have the right to go in for Total Loss.

Yes. And that's why they also have an option for cash loss.

Originally Posted by rajswiftvdi

Sent a mail to RS asking them to escalate this matter, also send me the approved estimate with clear split of company and my share.

Also sent a mail to MASS and CC to Maruti to come up with final estimate along with part by part customer share. So thats the amount I gonna pay, when I get the vehicle.

Another question - what if cars met with accidents in past and totalled ask RC back from insurance company?

Total loss actually, means that the vehicle is no more capable to be repaired and driven on roads safely. It should be scrapped.

But, most insurance guys will take it to gujri with RC and sell it to them. They can repair those and sell finally.

That is why they do not usually give the RC back to claim back the Tax. If you insist on RC, then the value will be proportionately less.

Now I feel cheated, misinformed many things for few bucks by ROYAL SUNDARAM

Why? If you think, the car is beyond repair and insurance is trying to push it to you, then you can still raise and get new surveyors. Get your known mechanics and have a opinion from him too.

And did they talk anything about cash-loss?

Good luck.

[rajswiftvdi]

Originally Posted by mjothi

Total loss is not so easy in case of accidents. Why?

May be dictionary definition of TL will be that - But what I understood is, whichever is profitable for the insurance company that is what they decide.

The total loss will be provided only if the Insurance share is more than the 75% of the IDV. This is NOT same as the total repair cost.

This is why said, I felt cheated. I also thought its 75%. But claims manager initially told that only 45% of IDV will be spend to repair

Total loss actually, means that the vehicle is no more capable to be repaired and driven on roads safely. It should be scrapped.

I dont agree - again dictionary term.

But, most insurance guys will take it to gujri with RC and sell it to them. They can repair those and sell finally.

If the vehicle was no more capable of repair, how anyone can repair it and sell.

Why? If you think, the car is beyond repair and insurance is trying to push it to you, then you can still raise and get new surveyors. Get your known mechanics and have a opinion from him too.

Why - customer has all the right to get correct information, either documented or non-documented. When a company deny non-documented facts at later point, I call it cheating(not legally) and company doesn't fit in the list of 'good company'.

And did they talk anything about cash-loss?

No

Good luck.

Please see my comment in italics.

[mjothi]

In understand your feeling. I too went through this state.

See my comments in the quotes.

Total loss is not so easy in case of accidents. Why?

May be dictionary definition of TL will be that - But what I understood is, whichever is profitable for the insurance company that is what they decide.

The total loss will be provided only if the Insurance share is more than the 75% of the IDV. This is NOT same as the total repair cost.

This is why said, I felt cheated. I also thought its 75%. But claims manager initially told that only 45% of IDV will be spend to repair

Total loss actually, means that the vehicle is no more capable to be repaired and driven on roads safely. It should be scrapped.

I dont agree - again dictionary term.

But, most insurance guys will take it to gujri with RC and sell it to them. They can repair those and sell finally.

If the vehicle was no more capable of repair, how anyone can repair it and sell.

Why? If you think, the car is beyond repair and insurance is trying to push it to you, then you can still raise and get new surveyors. Get your known mechanics and have a opinion from him too.

Why - customer has all the right to get correct information, either documented or non-documented. When a company deny non-documented facts at later point, I call it cheating(not legally) and company doesn't fit in the list of 'good company'.

[rajswiftvdi]

Originally Posted by mjothi

I don't know which one are you referring to here. Since we do not know what was "mis-informed" to you by Royal Sundaram, can you be more specific?

We also have a insurance expert in this forum. He can help in case if its a valid point.

This I mentioned in previous posts.

Claims manager informed me that, only 45% of the IDV only they will spend for repair. So when MASS came up with initial estimation of 3.15L, he orally declared TL.

First surveyor, after seeing the vehicle and first estimation told me over phone that its going to be TL.

Today RS denies both the facts - I extremely angry with this way of behavior.

[rajswiftvdi]

Originally Posted by jealousdiamond

:However I failed to even see an entry for the O2 sensor and such things in the list which I bet would have been damaged and cause a hefty amount .

What is O2 sensor buddy, and where it sits, how much it cost approx?

[mjothi]

Originally Posted by rajswiftvdi

This I mentioned in previous posts.

Claims manager informed me that, only 45% of the IDV only they will spend for repair. So when MASS came up with initial estimation of 3.15L, he orally declared TL.

First surveyor, after seeing the vehicle and first estimation told me over phone that its going to be TL.

Today RS denies both the facts - I extremely angry with this way of behavior.

Its certainly strange to hear that the claims manager does not know the facts.

Whats strange is, you mentioned that the surveyor also told this as a TL when the insurance share will not be more than 75% of IDV even with the initial quote.

Now I understand why they deny.

If you have any issue with the surveyor or the insurance office, you have every right to approach IRDA. But I doubt if that will help in this case.

And remember, its MASS who should come up mentioning that the car is beyond repair. Else, even the IRDA will recommend repair only.

Anyway, good luck.

[honeybee]

Originally Posted by rajswiftvdi

This I mentioned in previous posts.

Claims manager informed me that, only 45% of the IDV only they will spend for repair. So when MASS came up with initial estimation of 3.15L, he orally declared TL.

First surveyor, after seeing the vehicle and first estimation told me over phone that its going to be TL.

Today RS denies both the facts - I extremely angry with this way of behavior.

One of the reasons you should get everything in writing, on their respective letterheads/equivalent. Your instructions to the MASS/Insurance company too should be in writing and with acknowledgement. If in case you have to approach a court of law or an arbitrator, this evidence would come in handy.

So for e.g. if the insurace company manager is pushing you for a total loss, please ask him to send it to you in writing. If he doesn't, don't take his word. Or if the MASS works manager says it's a total loss, ask him to give it in writing on the letterhead of the MASS, or else don't take his word.

Having such communication in writing will save you a lot of headache in case you have to fight them, and will also ensure that they will think twice before putting pen to paper.

Please also make sure you preserve the photos of the vehicle damaged, from all angles, detailed photos of the front and photos of any internal parts the MASS may have taken out for inspection. Please instruct MASS not to start any work unless you authorize it in writing.

[mjothi]

Originally Posted by honeybee

Please also make sure you preserve the photos of the vehicle damaged, from all angles, detailed photos of the front and photos of any internal parts the MASS may have taken out for inspection. Please instruct MASS not to start any work unless you authorize it in writing.

Good point.

But usually, they don't start unless you sign the job card.

There is also one more form that they will probably show you to sign. It will state that you are satisfied with the work and ready to take the car.

Yes, they show cleverly show this when giving it for repair itself. But make sure you DENY it to sign at that time. In my case, this saved a lot of headache & money for me.

They may say that its just formality, will save time during delivery and all nonsense.

Read each forms they give before signing it of.

[Fauji]

Raj,

Cliam total loss as the cost estimate is huge and does not make sense to repair. You have to be very assertive with the Insurance guys and get the best out of them. Dont accept whatever they offer.

[rajswiftvdi]

Originally Posted by mjothi

Yes, they show cleverly show this when giving it for repair itself. But make sure you DENY it to sign at that time. In my case, this saved a lot of headache & money for me.

They may say that its just formality, will save time during delivery and all nonsense.

Read each forms they give before signing it of.

hmmm. After accident when I brought the car to MASS it self, they asked me to sign couple of job satisfaction cards, I guess one is of Maruti and other of Insurance. I denied to sign.

[rajswiftvdi]

Got work order details from Royal, its pretty short list compared to maruti!.

[Ashwin Morey]

Dear All,

I have searched and read some of the accident posts over here however I was a bit unsure of whether to continue in those same threads or start with a new one. If I am doing a mistake by starting a fresh post, I would like to apologize to the moderators.

Last Saturday (22nd Feb 2014) I met with a very bad accident while traveling in my pride, the Fiat Linea T-jet plus. I actually bought this car only after reading all the posts related to it over here. No prizes for guessing that it was the best thing that happened to me. However as luck would have it, I met with this accident in which the car swerved a couple of times before banging a tree head on. The impact was so bad that the airbags came out immediately and hence I was saved. I did suffer from some injuries but over all I am okay.

Here comes the worst part, for starters my insurance has elapsed so I have no cover! Secondly an initial estimate by Fiat's new service station has put the total repair cost at around 4.5 Lacs. A second evaluation was done by a private garage owner who claimed that he may do it cheaper by at least 1 lac.

The damage so far are both the front airbags that need to be replaced, the front suspensions, the front tires, everything inside the bonnet and some damage to the turbo engine and finally the denting/painting job.

I wanted to know if someone can advise me on whether I should-

a) Repair it from authorized service station and then keep the car
b) Repair it from private garage and sell it off
c) Sell it off as scrap.

The private garage owner said that scrap would bring me a value of not more than 50,000 to 60,000 INR. Whereas repairing it from private and selling may bring around 2.5-3.5 lacs. I am also guessing that selling it off after repairing from authorized service center may fetch maybe 3 lacs to 4 lacs.

I would be very grateful if anyone can really give me sound advise on this. I am also willing to pay consultation fees for someone willing to consult all the way.

Many thanks,

Ashwin

PS: Uploading a pic to help you understand better.

[ad3952n]

Originally Posted by Ashwin Morey

The private garage owner said that scrap would bring me a value of not more than 50,000 to 60,000 INR. Whereas repairing it from private and selling may bring around 2.5-3.5 lacs. I am also guessing that selling it off after repairing from authorized service center may fetch maybe 3 lacs to 4 lacs.

Hi mate, To be honest; I am not very fond of getting the car repaired outside an ASC but since your car's insurance is elapsed I feel the garage person whom you consulted for repairs is a wise option. I recommend you to ask him if he can source the body panels from any old Linea so this will be a bit cheaper. Secondly, as far as the engine is concerned I guess you should give us a brief of the damage in first so that correct solution can be provided to you.

Thanks

AD

[funkykar]

Ashwin,

You are in a very wrong spot! The accident, and then on top of it Insurance lapsed. I don't understand how you could let Insurance lapse. You are only lucky that no third party property/vehicle/person was involved.

- In case you choose to repair, strictly do so in FASS only. Why care about work being expensive when you dint even renew Insurance?

- If selling after repair work, ensure to keep buyer informed of the accident. Moreover, insure it first.

This should be an eye opener to those who don't pay attention to Insurance renewals or take the Insurance very lightly!