Update - Dent and scratch removal
It's been awhile and I am guilty of not updating this thread frequently which I am determined to do frequently now.
So my car was recently hit by a Rick on the left rear fender, at one of the traffic signals and I thought I should get it repaired under insurance. So my insurance was about to expire and I thought, maybe if I purchase the new insurance first, I will get the NCB bonus and then since my current insurance is still valid, I might claim it under the current one and save the NCB cost
. I have a Maruti Insurance which I renew online every year.
TL;DR- Maruti Insurance is very hassle free. Barring the experience of interacting with the SAs and their slowness, process overall is very smooth and you don't need to do much.
- If you purchased next year's insurance while your current insurance is still active and got an NCB, you will have to refund it if you made any claims in your current insurance after the purchase.
- Satisfactory work done by the workshops.
- Workshops are super slow. I always maintained that Nexa is just glorified MASS with no cabbies. And that's about it.
- Even if you have Maruti Insurance, it is linked to some dealer. Generally the one where you purchased your car from. And if you give your car to some other workshop then claim processing takes time for some unknown reason.
- Never give your car with more than a quarter tank of fuel. I made the mistake of refuleing just a day before handing over the car. When I received it back, 1/4th fuel was gone.
Here is the daily journal of the entire experience
Day 1 Monday -
So I handed over my car to Shivam Autozone MiDC Mumbai. I also had a dent on the front right fender and the SA said that he would get it covered as well which I was not sure of how but he said he can get that done so I played along.
Attaching the pictures of the dent
The one below is the rear left fender which the rick scratched me
And this one is the right fender one which, not surprisingly, was given by another rick
And this is after I got it touched up from a local shop when it had happened. The reason I did not claim insurance back then was because I felt that the new paint would cause a lot of paint difference and I wanted to keep the original paint for as long as possible.
So the SA takes my car and says that it should be ready by the end of the week, and I leave. I get a call in the evening that I will have to refund the NCB amount only then can they initiate a claim process. I was kind of prepared for this so I said ok. The guy says that he will send me a payment link for the same.
Day 2 Tuesday -
I wanted the car for the weekend and would ask updates about where the process had reached but the SAs were very casual in replying. He replied that since my car insurance is from another dealer (Sai Service) so transfer is taking time.
Day 3 Wednesday -
Still no link, I was surprised at their inefficiency. They made all sort of excuses like sms link not getting generated and what not.
Day 4 Thursday -
I finally received the payment link in the evening, I pay immediately. In the evening I receive an sms that insurance claim has been initiated.
Day 5 Friday -
The insurance surveyor called me asking how did I manage to dent two opposite ends in one accident
and I told him the story as mentioned to be by my SA and in the evening I receive the SMS that the claim is under process.
Day 6 & 7 Saturday Sunday -
The next day, Saturday I called up the SA who did not pick the call but called me back later and said that the car might have gone into the body shop and should be ready by Tuesday. Also at the same time, I logged into the Nexa app and can see the entry for INR 13757/- for body work updated against my car.
Day 8 Monday -
The SA calls me and says that the car should be ready by Wednesday evening. I was already getting pretty miffed at this because it had been a week out of which they took 3 days just for claim initiation during working days which made me take other expensive options to and fro work. I told the SA clearly that I am not taking the delivery in the evening since it is a paint job and will only take during daytime, so Thursday it should be fine.
Day 9 - Tuesday -
No progress. Neither did I call the SA and neither did he call me.
Day 10 Wednesday -
I called him asking him to confirm that I am coming tomorrow, his reply was that car is almost ready but not complete so come in the evening. I re-iterated again that I am not taking delivery in the evening and will only take during daytime so I will be there on Friday morning. He replies, please come in the afternoon then. I reprimanded him that I am not going to waste any time and by afternoon it means car should be ready and I wont spend any time more than 30 minutes and he agreed.
Day 11 Thursday -
No progress
Day 12 Friday -
I reach the workshop at 2pm as committed. Luckily the SA was standing outside and he said that the car is just being wiped after the wash. He showed me the car. Here are the pics
Front right fender
Left rear fender
One mistake I had done while handing over the car was that I just tanked up last night and so there was almost tankful of fuel in the car. But when I took delivery, the car had just 3/4th tank fuel. I showed it to the SA and he said that the workers sit with AC on. I wanted to ask him to get me a 5 litre coupon for the same but decided to let go for some reason.
I also asked them for the receipt for the NCB refund which they promptly handed over to me. So while I had to pay the processing fee of INR 1000, I took my card out to pay and the cashier says I need to pay 1% extra. I was livid! I warned him that you are not supposed to take this from the customer and I can challenge them legally on this. I also told him that if he wishes so take 1% extra, I need it added to my bill. His face showed that they knew they were doing something wrong. He then sends me a link to pay online for INR 1000 and I finally paid.
Overall a very hassle free experience except for the slowness of the entire process. Workshops are simply glorified as NEXA and are no different to any garage whatsoever.