Go Back   Team-BHP > Buckle Up > Street Experiences


Reply
 
Thread Tools Search this Thread
Old 15th June 2011, 20:35   #31
Senior - BHPian
 
Join Date: Mar 2011
Location: Back to Chndgrh
Posts: 2,008
Thanked: 2,466 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Hi

sorry about the accident , I will Advise you not to get the car repaired in particular if any of the front Pillars are damaged , instead opt for settlement with Insurance - they will pay you some money which is lower than estimate and you can then sell the Car in market without repair - you will definitely have to bear extra loss but keeping a repaired car will be a problem in future - i had even severe accident in Corolla 5 years back and paid Toyota about Rs 5 lac out of which insurance paid only around Rs 3 L & they could never bring the car back to its original state - eventually i sold the car for Rs 2 ,5 Lac . You will have massive depreciation 50 % for parts like Air Bags , Radiator , A/C Condenser unit - please do evaluate all possibilities before giving go-ahead - check with your A.S.S if they can adjust this as down payment for your new Laura ..
Turbanator is offline   Reply With Quote
Old 15th June 2011, 20:38   #32
Team-BHP Support
 
noopster's Avatar
 
Join Date: Feb 2010
Location: Pune
Posts: 8,625
Thanked: 9,096 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

androdev- hate to see a beauty like that in that shape, man. Sincere apologies.

On the bright side, your parents are safe and nobody was seriously injured (hope the rick guy recovers soon). The airbags did their job too.

Thanks to your thread I am enforcing the rear seatbelts rule in my car as well. Just explained to my kid that it's what big girls do and she's pretty happy to get on board!
noopster is offline   Reply With Quote
Old 15th June 2011, 20:55   #33
BHPian
 
Twinn's Avatar
 
Join Date: Jun 2011
Location: MD-USaapA
Posts: 337
Thanked: 275 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Holy!!! Sorry about the fate of the car, and lot more happy that your parents are very much safe. Skoda is really a tough built machine, much more safer than others I believe. A friend of my had a rollover,on the bangalore mysore highway, like a couple of years back - the car was totaled, but both of them survived with very less injuries.
The rickshwas guys are a total careless lot, apart from that what a atrocity from the police, as always expected!!! Pretty expensive repairs.
Twinn is offline   Reply With Quote
Old 15th June 2011, 21:51   #34
Senior - BHPian
 
F150's Avatar
 
Join Date: May 2011
Location: PUNE
Posts: 1,578
Thanked: 633 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

I am sorry for you, that your dream drive came to a abrupt end. But nonetheless the occupants of the car were safe.Wish that your car comes to perfect condition soon.

Please keep us posted on the insurance process.
F150 is offline   Reply With Quote
Old 15th June 2011, 21:56   #35
Team-BHP Support
 
.anshuman's Avatar
 
Join Date: Dec 2004
Location: Good-Gaon
Posts: 7,677
Thanked: 8,704 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Androdev, Really very sad to read about the Accident. I am glad all the occupants are safe.

Why not wait for 26th before filing the insurance claim, this ways you can use your newer Zero Dep. policy? I am not sure if filing a claim as big as this one requires a copy of FIR.

You can also negotiate for a cash loss settlement with the insurance company, wherein the insurance company will give a certain amount and rest of the money can be recovered by selling the car to some scrap/accident hit car dealer. I did the same for my Accent and got almost the similar amount to the market value of the car(My car was hit in a similar way with about the similar damage).

I think repaired cars cannot be as safe as Accident free cars. Here is a related video-

Pls. Note the above video only relates to cars repaired under economic restraint.

Last edited by .anshuman : 15th June 2011 at 22:18. Reason: added video
.anshuman is offline   Reply With Quote
Old 15th June 2011, 22:03   #36
BHPian
 
raj_srini's Avatar
 
Join Date: Jun 2011
Location: Delhi
Posts: 145
Thanked: 19 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Androdev, Felt sad to read about this. I'm relieved that all are safe. I had a road accident a few years back and consider myself lucky that I was unhurt.

My view would be to negotiate for a settlement, sell the car unrepaired and buy a new car. From my personal experience, driving a car that has gone through a nasty one after it has been repaired is never the same.
raj_srini is offline   Reply With Quote
Old 15th June 2011, 22:04   #37
Senior - BHPian
 
F150's Avatar
 
Join Date: May 2011
Location: PUNE
Posts: 1,578
Thanked: 633 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Quote:
Originally Posted by .anshuman View Post
Why not wait for 26th before filing the insurance claim, this ways you can use your newer Zero Dep. policy?
Isn't the zero depreciation policy valid only on cars which are not older than 3 yrs ? As per the opening post his car has just completed 4 yrs.
F150 is offline   Reply With Quote
Old 15th June 2011, 22:07   #38
BHPian
 
blackbeast's Avatar
 
Join Date: Jun 2009
Location: Bangalore
Posts: 271
Thanked: 75 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Gosh! Feel very sorry for the loss mate. Have you got the numbers yet ? Do you have option for deliberately going for totalling. If so, would you get IDV value of 9.xx L . that should be your best bet.
blackbeast is offline   Reply With Quote
Old 15th June 2011, 22:16   #39
Senior - BHPian
 
androdev's Avatar
 
Join Date: May 2007
Location: bangalore
Posts: 1,510
Thanked: 1,440 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Quote:
Originally Posted by sachinj12 View Post
Thank god that everyone is safe. Laura surely is built like a tank!

I am showing this thread to my folks. I hope this thread at least puts some sense into my folks' head. I am always the but of the jokes for the seat belt
Luckily it was easy for me to convince my gang about the seat belts. My mom actually doesn't always manage to fasten the belt by herself and someone in the car helps her fasten. We are religious about seat belts.

Quote:
Originally Posted by Turbanator View Post
Hi

sorry about the accident , I will Advise you not to get the car repaired in particular if any of the front Pillars are damaged , instead opt for settlement with Insurance - they will pay you some money which is lower than estimate and you can then sell the Car in market without repair - you will definitely have to bear extra loss but keeping a repaired car will be a problem in future - i had even severe accident in Corolla 5 years back and paid Toyota about Rs 5 lac out of which insurance paid only around Rs 3 L & they could never bring the car back to its original state - eventually i sold the car for Rs 2 ,5 Lac . You will have massive depreciation 50 % for parts like Air Bags , Radiator , A/C Condenser unit - please do evaluate all possibilities before giving go-ahead - check with your A.S.S if they can adjust this as down payment for your new Laura ..
I agree with you. I have told the service person also the same - he is good buddy of mine (I hope) and he also advised it is not worth investing money into repairing it. He said he will do his best to facilitate an 'appropriate' deal with insurance co.

Title of the thread pretty much hints such a fate. I just wanted to hear from a.s.s the extent of damage - if it is "replace parts" (airbags, bumpers, lights, etc.) i wanted to give the car another chance but if it is "repair-ish" job then i will let go off it. cost is important but the nature of repair is more important. To me, this car has served me very well for four years and thats not bad. I was close to selling this for an upgrade but then decided to hold off for a year or two (refer to my BMW 520D thread http://www.team-bhp.com/forum/test-d...laura-l-k.html)


Quote:
Originally Posted by F150 View Post
Isn't the zero depreciation policy valid only on cars which are not older than 3 yrs ? As per the opening post his car has just completed 4 yrs.
The zero depreciation insurance products relatively new. So I didnt have one, but my next insurance policy which I bought a week back is zero-dep policy. Got it from Bajaj Allianz even though my car is 4 yrs old.

I am not sure I will be able to claim this under the next year's policy. That would be illegal. Unless I bribe the police and get an FIR registered on a date after 26th-June, etc.

Also I don't think I will be able to inflate the repair bill to qualify for total loss. Maybe I should have asked the villagers to smash few things at the accident site. This is my first ever insurance claim, I am learning :-)

Last edited by androdev : 15th June 2011 at 22:25.
androdev is offline   Reply With Quote
Old 15th June 2011, 23:40   #40
BHPian
 
Join Date: Apr 2009
Location: Ahmedabad
Posts: 66
Thanked: 26 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

@androdev: Nice to read that everybody is fine, and hope the absolute "shock" of the collision has settled.

Sad to see the cars condition, but relieved that the safety features proved their worth.

Sadly, the insurance covers only depreciated values and not the cost of replacement. As it is, I doubt if many people will opt for such plans (insurance claim to serve need for replacement) for cars in India.

I do have a question on the side though - how much do you think the "airbags" contributed in saving everybody from injury? Do you believe the seat-belts were the differentiators? If yes, do you (and other fellow BHPians) feel that airbags are being imposed on the consumers when ABS, EBD, and Seat belts suffice to save you in such situations?

Mods: Please vet if my queries are OT. I did not see any specific discussion questioning the bundling on Airbags with ABS.
rlakhanpal is offline   Reply With Quote
Old 15th June 2011, 23:51   #41
BHPian
 
lancersfx's Avatar
 
Join Date: Jan 2006
Location: Bangalore
Posts: 204
Thanked: 26 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

@Androdev :: Sorry to hear about the incident but on the brighter side all wore seatbelts and that kept them intact. But sometimes things just happen. I think you'll get a quote which covers chassis : the engine mount probably the toe link joints and the connecting rods. radiator.. a part of AC components. the initial estimate from the company will always be quoted on the higher side. They don't want to underquote and then adjust that later with insurance. the actual price may come upto about 70-80 percent of the estimate.
lancersfx is offline   Reply With Quote
Old 16th June 2011, 00:07   #42
BHPian
 
abishek2222's Avatar
 
Join Date: Oct 2009
Location: Chennai
Posts: 355
Thanked: 159 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Sorry to see what's happened.everyone is safe great.
Hopeless isn't it once you enter a police station after a situation like this, they way people treat you , you just realize how much progress we really have made as a country.
abishek2222 is offline   Reply With Quote
Old 16th June 2011, 02:22   #43
BHPian
 
himavanth_m's Avatar
 
Join Date: Oct 2009
Location: Hyderabad/Pune/Chennai
Posts: 583
Thanked: 266 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Sorry to hear about the incident. But glad that everyone is safe. Skodas are really safe vehicles (if it is not a lemon). Also good to see the airbags deployed. I have read somewhere on team-bhp that the airbags did not deploy for a Skoda vehicle.

I frequently travel on the NH7 between Hyderabad and Bangalore. On any other highway, we can see autos travelling in the opposite direction, but mostly they will be towards the left side of the road. However on NH7 I have seen quite a lot of Autos plying in the opposite direction in the middle of the road or on the right of the road. This is even more dangerous. I escaped a scary incident once where I was overtaking a truck from the right and out of nowhere I see an auto coming in the opposite direction. But luckily I escaped without a scratch. But thinking about it now, it is pretty scary, especially because I was travelling in a Santro at 80kmph at that time and any accident would have taken our lives.
himavanth_m is offline   Reply With Quote
Old 16th June 2011, 02:51   #44
Senior - BHPian
 
blackasta's Avatar
 
Join Date: Aug 2009
Location: Kolkata, WB
Posts: 2,729
Thanked: 875 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Quote:
Originally Posted by rlakhanpal View Post
I do have a question on the side though - how much do you think the "airbags" contributed in saving everybody from injury? Do you believe the seat-belts were the differentiators? If yes, do you (and other fellow BHPians) feel that airbags are being imposed on the consumers when ABS, EBD, and Seat belts suffice to save you in such situations?
If I may pitch in - airbags are an absolute must if you want to drive your car being totally safe. No argument over this one.

How would you know beforehand whether you are going to have a fender bender (which still may activate the airbags) which can be managed by the seatbelts or a bad high speed collision/roll/flip in case of which airbags (front and curtain) , coupled with crumple zones, collapsible steering and auto unlocking doors can form the difference between life and death?

IMO - airbags+ABS requirement should be imposed by the government, as countries in which human life is valued have already done so.
blackasta is offline   (1) Thanks Reply With Quote
Old 16th June 2011, 03:34   #45
Distinguished - BHPian
 
dhanushs's Avatar
 
Join Date: Oct 2009
Location: Bathery/BLR
Posts: 3,406
Thanked: 3,930 Times
Default Re: Four-year dream run comes to an end - Laura L&K accident

Quote:
Originally Posted by .anshuman View Post
.... Why not wait for 26th before filing the insurance claim, this ways you can use your newer Zero Dep. policy? ....
I think insurance company needs to be notified within 7 days of the incident, for them to honor the claim.
dhanushs 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
Your Dream Car / Dream Garage tsreekaranrao The International Automotive Scene 130 29th May 2015 22:13
Dream comes true -- Silver Honda City AT comes home B103 Test-Drives & Initial Ownership Reports 301 28th April 2015 23:03
Dream comes true - Gypsy comes home Desmosedici 4x4 Vehicles 234 8th August 2011 16:04
Road Trip–2700 KMs Europe & 3380 KMS UK + end-to-end. ramkya1 Travelogues 177 26th June 2010 14:54


All times are GMT +5.5. The time now is 05:05.

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