I got myself enrolled into the "banged my car"club a few days back .
Was coming back from a small get together at night and it was raining with low visibility.
Suddenly from the left a vehicle came on to the main road forcing me towards the divider. There was a turn to the right so i desperately tried to maneuver towards it to avoid the collision . I almost made it but while turning right my left tyre hit the divider .
There was a bang and i saw my wheelcap fly off.I stopped the car and got down to look at the damage ,the guy who caused this is nowhere to be seen by now .
The left tyre was touching the mudflap and was rubbing on the left fender ,apart from that no body damage at all , not even a scratch.
Started the car and drove slowly with all those loud hissing sounds ,cursing .
Managed to reach my house safely .
Next day called the Metro Ford guys ( I know ..i know ..but then those are the only folks i have been dealing with till now) and within an hour they had a couple of guys over to review the damage. They asked me to get the car towed to their station as the tyre was getting damaged. They also explained the process of calling the insurance guys and getting the claim number. Then they gave me the phone numbers of the tow guy and icici lombard . I was really pleasantly surprised by the way these guys helped ,and to top it all did not charge me a single paisa.
I wasnt sure if I wanted to get the car towed cos my tyre was already damaged from the drive home and I knew the insurance guys wont compensate me for it.
Called up fellow bhpian - Benny and explained the situation ,both came to the conclusion that I need'nt pay these guys 3000 bucks for the towing (later came to know that insurance only covers max 1500 for towing) and that the tyre was gone anyways so should just go ahead and drive it down to the station on st Marks road.
Called insurance guys and asked them to generate the claim number.
Took an appointment and drove down to Metro.Met the advisor and he checked the car .
Gave him a copy of the insurance and my DL details, he said they would let me know when the surveyor came.
Next day morning get a call from the surveyor ,he asked me the details and then asked me to mail them to him.
He then called again and told me that the metro guys were asking for denting,painting, bumper and what all - a total estimate of 38 k.
I was shocked out of my wits . Told him that the only thing he needs to look at is my cars left suspension as that was the only thing that would require work . Spoke to the metro guys and gave them a piece of my mind ,told them not to touch anything else .
Next day , got the estimate of 13k. The suspension was bent and the inside of the fender had a lil work .
Insurance took care of 10 k and I paid 2700.
Thankfully ICICI have a cashless facility so no hassles.
Now the car is back home and doing well,thankfully it all ended without any problem .
Best part was i knew that i could always get help from the team ,and I did .
Thanks for all ur help Benny .
Sorry didnt take any pics ...oh and btw , there was a small dent on my rear fender which metro guys repaired and painted on their own ..guess they have started feeling the pressure .
Mods , hats off to you for creating this community . It feels more like a family than just a forum .Keep rocking Bhpians.