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Old 3rd August 2007, 14:33   #46
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Steer, I was wondering about this.
Some nut hits my car, damages it and gets off without paying a dime, while I either pay full from my pocket or claim insurance and pay a part and also end up loosing NCB. Thats not fair.

So, to go the way you suggested, what are the steps I should take to ensure that I can claim from his insurance, thereby not loosing my NCB ?
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Old 3rd August 2007, 14:56   #47
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Originally Posted by supremeBaleno View Post
So, to go the way you suggested, what are the steps I should take to ensure that I can claim from his insurance, thereby not loosing my NCB ?
Police case is required. Only then will his insurance co pay for your damage.
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Old 3rd August 2007, 14:59   #48
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Originally Posted by Steeroid View Post
Yeah but you could claim from HIS insurance (thats why he's covered for 3rrd party damage) - if it was his fault, then you dont lose no-claim-bonus.
Steer, I think you've been living outside India for too long! That's how it should work. I suppose with the so called de-regulation of the insurance sector, these sort of things should fall into place within a year or two.

Till then, we are basically paying out of our own pockets one way or another.
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Old 3rd August 2007, 15:26   #49
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Quote:
Originally Posted by Rtech View Post
Steer, I think you've been living outside India for too long! That's how it should work.......

Till then, we are basically paying out of our own pockets one way or another.
Exactly what i had mentioned earlier. Not that we can help it all that much, but not all other drivers are co-operative. Running after them, and all only wastes your own time and effort.

Vid was lucky that the Innova guy who damaged his car agreed to pay up.

OFF TOPIC : Guys, have you noticed that offlate on the forum we see a lot of innovas which are being involved in accidents? Ex : Vidyut's case, Rudra's case, Riju's incident, and so on.
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Old 3rd August 2007, 17:53   #50
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Originally Posted by lohithrao View Post
Dont know whom to blame, the bike manufacturers who launch bikes with sad brakes or the one using it who dont use them when requirerd?
IMHO, both.

Manufacturers have to give better brakes, and more importantly better rubber. I drive a Nova (not Innova ) and people complain about the brakes. Actually, the brakes are pretty good - I can easily lock my wheels. It's the rubber that lets me down - I can easily skid my vehicle on good dry tarmac even without locking the wheels.

Two-wheeler drivers (myself included) must also learn the limits of their vehicles:
  • Two wheelers have better startup acceleration than four wheelers
  • Once four wheelers get rolling, they have better acceleration
  • Four wheeler brakes are easily an order better than two wheeler brakes (think hydraulic assist)

Anyway, this post of mine is off-topic, so apologies, Rudra.
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Old 4th August 2007, 01:18   #51
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I just heard and saw the thread, and think claiming insurance was the right thing to do.
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Old 7th August 2007, 17:11   #52
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Default She's back

Got her back today. No impact beam damage.
Total cost 19053/-. Insurance paid 11784/-. My payment 7269/-. Repair job looks ok to me.


Shot with KODAK DX6490 ZOOM DIGITAL CAMERA at 2007-08-07


Shot with KODAK DX6490 ZOOM DIGITAL CAMERA at 2007-08-07
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Old 7th August 2007, 17:37   #53
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Awesome. As good as new! And a really quick turnaround. But then I guess the workshop is used to you and your ways by now!
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Old 7th August 2007, 18:49   #54
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Congratulations Rudra the car looks as good as new.

Hellcat
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Old 7th August 2007, 19:02   #55
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Perfect job! can I say better than what it was before the incident?
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Old 7th August 2007, 19:42   #56
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Great job! Car looks as good as new!

Rudra, can you give the break-up of amount paid by you (Rs.7269/-) which seems high for me.
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Old 7th August 2007, 19:53   #57
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Looking awesome.

How about some new pics for the Auto-image thread?
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Old 7th August 2007, 19:58   #58
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Quote:
Originally Posted by Rtech View Post
Steer, I think you've been living outside India for too long! That's how it should work. I suppose with the so called de-regulation of the insurance sector, these sort of things should fall into place within a year or two.

Till then, we are basically paying out of our own pockets one way or another.
Nope. This was told to me by the National Insurance agent when he came to renew the premium on one of my cars and I had lost the no-claim bonus for having claimed a small sum of Rs.6,000. When I mentioned it was no fault of mine he asked me very clear 'Sir why did you claim it from his insurance company then? You wouldnt have lost your no-claim bonus'.

I may have been living outside India for too long, but that insurance agent certainly hasnt been outside the country!

AND BTW OLD MAN - GOOD TO SEE THE CAR BACK IN GOOD SHAPE. SORT OF MAKES EVERYONE'S DAY HERE.
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Old 7th August 2007, 20:36   #59
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Rudra-sir, Nice to see your car back like new.

But it still rankles that you shelled out money for some other a*s' mistake. I still believe you should have taken him to task. And this is not only for the money, but so that he knows such tricks will cost him dearly and will hesitate repeating it.

Quote:
Originally Posted by Steeroid
Police case is required. Only then will his insurance co pay for your damage.
Quote:
Originally Posted by Steeroid
When I mentioned it was no fault of mine he asked me very clear 'Sir why did you claim it from his insurance company then? You wouldnt have lost your no-claim bonus'..
So, given the above, I guess if the damage to our car is serious and costly, we should file a case and have that guy invoke his insurance. Though how events will unfold in an actual scenario, can be known only then. Unless someone on the forum has used this method and can enlighten others.
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Old 7th August 2007, 22:39   #60
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Quote:
Originally Posted by Rudra Sen View Post
Got her back today. No impact beam damage.
Total cost 19053/-. Insurance paid 11784/-. My payment 7269/-. Repair job looks ok to me.


Shot with KODAK DX6490 ZOOM DIGITAL CAMERA at 2007-08-07


Shot with KODAK DX6490 ZOOM DIGITAL CAMERA at 2007-08-07
Ok i need to quote this one just to ensure that the pics are repeated. I rest my case
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