Car rammed by unknown vehicle - Insurance query!!

Nimz · 12th November 2008, 13:06

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

hemanthisgreat · 12th November 2008, 13:16

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.

mobike008 · 12th November 2008, 13:32

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.

kb100 · 12th November 2008, 13:38

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).

EatMyDust · 12th November 2008, 13:58

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.

rjvora_2000 · 13th November 2008, 08:55

Quote:

Originally Posted by EatMyDust

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.

do post the photograph as early as you can.
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.

rjvora_2000 · 20th November 2008, 17:54

What happen to your car? Where are you? Please update the trend.

chetan · 25th November 2008, 00:45

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.

rjvora_2000 · 25th November 2008, 16:36

Quote:

Originally Posted by chetan

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.

He had started this trend on 12th and since then there are no up-date to this trend. Till this time his work must be over, I think!!!

Police complaint is not compulsory to settle the insurance claim, since there is no Third Party involve in his case.

rjvora_2000 · 25th November 2008, 16:40

Quote:

Originally Posted by kb100

"GD" entry.

Sirji what is this? Can you please give the details. I have not heard this term.

just for my knowledge!!

BenjiRoss · 26th November 2008, 09:35

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.

rjvora_2000 · 26th November 2008, 09:38

Quote:

Originally Posted by BenjiRoss

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.

If there is no Third Party involved then, Fir is not an compulsory "Document". (It is just an document - nothing else.

- In my opinion)

rjvora_2000 · 17th December 2008, 16:41

Moderator please close this trend since there on input from the person who has stated it on 12 November.

12th November 2008, 13:06	#1
Nimz BHPian Join Date: May 2007 Location: Bangalore Posts: 594 Thanked: 198 Times View My Garage	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
	() Thanks

12th November 2008, 13:16	#2
hemanthisgreat BHPian Join Date: Jul 2007 Location: Bangalore Posts: 594 Thanked: 50 Times View My Garage	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.
	() Thanks

12th November 2008, 13:32	#3
mobike008 Distinguished - BHPian Join Date: Sep 2006 Location: Seattle, WA Posts: 11,705 Thanked: 14,875 Times View My Garage	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. Last edited by mobike008 : 12th November 2008 at 13:33.
	() Thanks

12th November 2008, 13:38	#4
kb100 Senior - BHPian Join Date: Feb 2006 Location: Bangy Boy! Posts: 1,555 Thanked: 21 Times	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).
	() Thanks

12th November 2008, 13:58	#5
EatMyDust BHPian Join Date: May 2007 Location: Bangalore Posts: 122 Thanked: 0 Times	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.
	() Thanks

20th November 2008, 17:54	#7
rjvora_2000 Senior - BHPian Join Date: Mar 2008 Location: Mumbai/Mulund Posts: 1,658 Thanked: 56 Times	What happen to your car? Where are you? Please update the trend.
	() Thanks

25th November 2008, 00:45	#8
chetan BHPian Join Date: Feb 2006 Location: Bangalore Posts: 487 Thanked: 11 Times	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.
	() Thanks

26th November 2008, 09:35	#11
BenjiRoss Senior - BHPian Join Date: Jul 2008 Location: Tamilnadu Posts: 1,066 Thanked: 1,330 Times	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.
	() Thanks

17th December 2008, 16:41	#13
rjvora_2000 Senior - BHPian Join Date: Mar 2008 Location: Mumbai/Mulund Posts: 1,658 Thanked: 56 Times	Moderator please close this trend since there on input from the person who has stated it on 12 November.
	() Thanks