My Honda Civic : Damaged by a coconut tree branch

runeet · 18th February 2009, 09:22

My Civic just got wrecked yersterday, it was parked outside my house when a huge coconut branch fell on it. It totally wrecked the rear windshield and badly damaged the roof.
Called up the honda guys the same day and took them to show the car.
They said that the windshiled will have to be replaced(which was pretty obvious) as well as the roof. My car has United India Assurance which I got from the dealer himself(Deccan Honda Pune).
He said that I will get 100% claim for the parts but will have to pay for other parts such as rubber fittings labour and everything total he said it would cost around Rs. 8000.
Please advice if its Ok,
Picture attached

srikant · 18th February 2009, 09:28

Ouch, that looks bad runeet. But that price from Deccan Honda seems reasonable. More over its better to leave the Honda people only get it back to shape as you can expect quality work from them.

sgiitk · 18th February 2009, 09:34

Sorry to read of the mishap. You are lucky that you ended with a broken rear screen and a dented roof only. Could have been far worse. At Rs.8000 you should consider whether the loss of NCB is worth the claim. Often dealers quote a significantly lower price if you are paying yourself!

ImmortalZ · 18th February 2009, 09:36

That doesn't look very bad. To be honest, I was expecting far worse when I saw wrecked in the title.

8K out of your pocket seems okay.

@sgiitk : I think he means 8K out of his pocket, rest insurance. Cuz 8K total is way too low. A new roof + painting will cost more than that in itself.

runeet · 18th February 2009, 09:47

Actually the 8000 is what I have to pay over and above the claim, for other things not covered in the claim.
Will there be any hassles in the claim bcoz the car is only 8 months old, its been properly driven without any abuse.

ashthedivx · 18th February 2009, 10:01

Quote:

Originally Posted by runeet

...
He said that I will get 100% claim for the parts but will have to pay for other parts such as rubber fittings labour and everything total he said it would cost around Rs. 8000.
Please advice if its Ok,
Picture attached

8000/- apart from Insurance claim ?? Ain't it a bit high as rear glass and roof being covered in Insurance 100%. 8000/- for labour and rubber bidding ??

Jaggu · 18th February 2009, 10:08

I dont think roof needs to be replaced, actually would advice against you since it will involve chopping and welding which can make the car less stiff. Little bit of tinkering can solve the roof issue, dealer might be taking you for a ride under the pretext of insurance cover.

Mostly the insurance surveyor will not approve the roof replacement also

I suggest that you repair the roof and replace the windshield. Labor will be covered and you will have to pay 50% of rubber beading.

Sahil · 18th February 2009, 10:24

Quote:

Originally Posted by Jaggu

I dont think roof needs to be replaced, actually would advice against you since it will involve chopping and welding which can make the car less stiff. Little bit of tinkering can solve the roof issue, dealer might be taking you for a ride under the pretext of insurance cover.

Mostly the insurance surveyor will not approve the roof replacement also

I suggest that you repair the roof and replace the windshield. Labor will be covered and you will have to pay 50% of rubber beading.

The roof isn't damaged that bad, a good repair job would be an easier and safer option.

Firstly, check how much your no-claim bonus on insurance is to decide wisely. I suggest you get a quote for the glass from windshield experts, they carry the same OEM glass that the showroom would provide. Their prices are lower too and if you tell them that you would be paying out of your pocket rather than insurance, they would give you some disc%
A reputed local garage can fix the dented roof for a fraction of the price, but thats only if you rather avoid claiming insurance.

neoonwheels · 18th February 2009, 10:27

If windshield and roof is under claim then the labour for it must be covered as well. Then 8K for what?? rubber bidding? I guess the windshield must be 50-50 shared between owner and insurance company.

AirWind · 18th February 2009, 10:33

Insurance coverage for non metal parts is ~50%; this is applicable on the depreciated value of the car (i.e., per the insured value).

Anthym · 18th February 2009, 10:36

Yeah the dent on the roof looks as bad (or good !!) as any dent that you get on the side of the car driving around in our cities. I would like to think the service station guys will be able to hammer it in place.

Unless of course there is some structural damage that the dealer is referring to here.

loving_alaap · 18th February 2009, 10:41

Roof can be repaired by after market shops also, they will take almost 10% what you have quoted.

about wind shield, yes, you have to replace it.

esteem_lover · 18th February 2009, 10:49

Get it done by Honda & claim Insurance. Do not worry about NCB, it is not worth it.

grvanand · 18th February 2009, 10:53

I too dont think roof is damaged badly enough to be replaced. Like Jaggu said, it may even work adversely if done so. Get it tinkered and repainted, thats it. Only out of hand expense must be towards rubber beading since its a new car.

Ardy · 18th February 2009, 10:56

So sorry to hear about this, Runeet. A similar incident happened to one of my friends when a broken drainage pipe (cememt pipe) fell on his 2 day old Accent in his parking lot.

My understand standing is that glass, plastics, rubber parts attract 50% depreciation for even a day old vehicle. 8K from you pocket should be fine since the new roof and glass are going to cost quite a bit. Also the no claim bonus would not be a large amount to save on. I would suggest go for the insurance claim.

18th February 2009, 09:22	#1
runeet BHPian Join Date: Nov 2008 Location: Pune Posts: 43 Thanked: 0 Times	My Honda Civic : Damaged by a coconut tree branch My Civic just got wrecked yersterday, it was parked outside my house when a huge coconut branch fell on it. It totally wrecked the rear windshield and badly damaged the roof. Called up the honda guys the same day and took them to show the car. They said that the windshiled will have to be replaced(which was pretty obvious) as well as the roof. My car has United India Assurance which I got from the dealer himself(Deccan Honda Pune). He said that I will get 100% claim for the parts but will have to pay for other parts such as rubber fittings labour and everything total he said it would cost around Rs. 8000. Please advice if its Ok, Picture attached Attached Thumbnails
	() Thanks

18th February 2009, 09:28	#2
srikant BHPian Join Date: Jul 2008 Location: Bengaluru Posts: 488 Thanked: 12 Times	Ouch, that looks bad runeet. But that price from Deccan Honda seems reasonable. More over its better to leave the Honda people only get it back to shape as you can expect quality work from them.
	() Thanks

18th February 2009, 09:34	#3
sgiitk BANNED Join Date: Dec 2007 Location: Gurugram Posts: 7,969 Thanked: 4,787 Times	Sorry to read of the mishap. You are lucky that you ended with a broken rear screen and a dented roof only. Could have been far worse. At Rs.8000 you should consider whether the loss of NCB is worth the claim. Often dealers quote a significantly lower price if you are paying yourself!
	() Thanks

18th February 2009, 09:36	#4
ImmortalZ Senior - BHPian Join Date: Jan 2008 Location: Trivandrum Posts: 2,179 Thanked: 488 Times View My Garage	That doesn't look very bad. To be honest, I was expecting far worse when I saw wrecked in the title. 8K out of your pocket seems okay. @sgiitk : I think he means 8K out of his pocket, rest insurance. Cuz 8K total is way too low. A new roof + painting will cost more than that in itself.
	() Thanks

18th February 2009, 09:47	#5
runeet BHPian Join Date: Nov 2008 Location: Pune Posts: 43 Thanked: 0 Times	Actually the 8000 is what I have to pay over and above the claim, for other things not covered in the claim. Will there be any hassles in the claim bcoz the car is only 8 months old, its been properly driven without any abuse.
	() Thanks

18th February 2009, 10:08	#7
Jaggu Team-BHP Support Join Date: May 2004 Location: Bangalore Posts: 20,212 Thanked: 15,892 Times	I dont think roof needs to be replaced, actually would advice against you since it will involve chopping and welding which can make the car less stiff. Little bit of tinkering can solve the roof issue, dealer might be taking you for a ride under the pretext of insurance cover. Mostly the insurance surveyor will not approve the roof replacement also I suggest that you repair the roof and replace the windshield. Labor will be covered and you will have to pay 50% of rubber beading.
	() Thanks

18th February 2009, 10:27	#9
neoonwheels Senior - BHPian Join Date: Aug 2005 Location: Pune Posts: 2,064 Thanked: 1,875 Times View My Garage	If windshield and roof is under claim then the labour for it must be covered as well. Then 8K for what?? rubber bidding? I guess the windshield must be 50-50 shared between owner and insurance company.
	() Thanks

18th February 2009, 10:33	#10
AirWind BHPian Join Date: Jul 2005 Location: Bangalore Posts: 998 Thanked: 404 Times View My Garage	Insurance coverage for non metal parts is ~50%; this is applicable on the depreciated value of the car (i.e., per the insured value).
	() Thanks

18th February 2009, 10:36	#11
Anthym BHPian Join Date: Oct 2008 Location: London Posts: 194 Thanked: 37 Times	Yeah the dent on the roof looks as bad (or good !!) as any dent that you get on the side of the car driving around in our cities. I would like to think the service station guys will be able to hammer it in place. Unless of course there is some structural damage that the dealer is referring to here.
	() Thanks

18th February 2009, 10:41	#12
loving_alaap BHPian Join Date: Sep 2007 Location: Ahmedabad Posts: 808 Thanked: 9 Times	Roof can be repaired by after market shops also, they will take almost 10% what you have quoted. about wind shield, yes, you have to replace it.
	() Thanks

18th February 2009, 10:49	#13
esteem_lover Senior - BHPian Join Date: Jul 2006 Location: Madras/Py Posts: 7,556 Thanked: 502 Times View My Garage	Get it done by Honda & claim Insurance. Do not worry about NCB, it is not worth it.
	() Thanks

18th February 2009, 10:53	#14
grvanand BHPian Join Date: Jul 2006 Location: Bangalore Posts: 211 Thanked: 0 Times	I too dont think roof is damaged badly enough to be replaced. Like Jaggu said, it may even work adversely if done so. Get it tinkered and repainted, thats it. Only out of hand expense must be towards rubber beading since its a new car.
	() Thanks

18th February 2009, 10:56	#15
Ardy BHPian Join Date: Jan 2009 Location: Hyderabad Posts: 614 Thanked: 87 Times View My Garage	So sorry to hear about this, Runeet. A similar incident happened to one of my friends when a broken drainage pipe (cememt pipe) fell on his 2 day old Accent in his parking lot. My understand standing is that glass, plastics, rubber parts attract 50% depreciation for even a day old vehicle. 8K from you pocket should be fine since the new roof and glass are going to cost quite a bit. Also the no claim bonus would not be a large amount to save on. I would suggest go for the insurance claim.
	() Thanks

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