Re: Not-so-major accident in Mercedes E-Class. 15 lakh rupees & 6 months before car returns! Thank you to the moderators for adding me to the group.
I am posting this on behalf of my dad, Mr Narayanan Nambiar since he is not a member of this group.
"There are one or two comments that the accident is not minor and the stone might have ripped up the under body of the car.
This is not true.
If the car had hit the stone at reasonably good speed, the several safety features of the car would have got activated. (Unless they have supplied a car without the much advertised safety features). The most important of these are the active bonnet and airbags. They even talk about some safety features which get activated even without hitting any objects. These are activated if you apply the breaks at good speed.
We had inspected the car at the dealers premises along with the assessor appointed by SBI insurance,the service manager of Akshaya motors and the technical head of Benz India. A technical person who had earlier worked with one of the Benz dealers was also with us. We have taken photos of all the parts damaged before and after dismantling. The damage was only to the front bumper,lights, radiator and air conditioning. As anyone can notice from the bill these were not fully replaced only some of the parts changed.
I have done a detailed analysis of the bill as follows.
Total bill Rs. 14,35,000
Consumable parts paid by us Rs. 62,000 (excluding cost of battery)
Amount paid by SBI insurance Rs. 13,73,000
Labour charges 148,000
Parts cost Rs. 12,85,000
The list is very long with 71 items. However out of this 17 parts account for more than 80% of the value. These are listed below. The remaining 20% is mostly for various types of oil, coolant, hose, mounting etc.
1. Screw (4 nos) Rs. 12,000
2. Inter cooler Rs. 62,000
3. Condenser Rs. 65,000
4. Water cooler Rs. 39,000
5. Blower Rs. 63,000
6. Day time running light Rs. 26,000
7. Under body protector Rs. 27,000
8. Air hose Rs. 20,000
9. Sender Unit Rs. 54,000
10. Licence plate Rs. 9,000
11. Head lamp Rs. 170,000
12. Head lamp Rs. 170,000
13. Radiator Grill Rs. 70,000
14. Panelling Rs. 79,000
15. Integral Carrie Rs. 125,000
16. Belt pully Rs. 27,000
17. Coolant pump Rs. 26,000
Total cost of these 17 parts Rs. 10,44,000.
As anyone can notice they have divided each item into different parts and is charging exorbitant prices for each.
I have checked the prices of these parts online and found that it is costing far less outside India. However they dont give us any option to buy the parts and get it repaired.
We decided to bring this issue to the attention of public due to two major reasons.
A) Pricing by Mercede Benz which is a real rip off. Even for regular service we notice that they charge exorbitantly for oil, break pads, labour etc.
- Can forums like Team BHP and online community do anything to reduce this exploitation?
B) There was a clear attempt to make the car a total loss and take it away from us. The first estimate was less than 75% of the IDV and there was no way they could declare the car as total loss. At the time of giving this estimate the dealer had made it clear that the actual bill may be higher or lower than this and they can determine the actual only after dismantling the damaged area. However there was a collusion between insurance company and the dealer with the simple aim of taking the car from us and therefore they issued a second estimate (before dismantling) which made the total cost of repair 76% of the IDV.
- this type of collusion between the insurance company and motor vehicle dealers are very common and they have succeeded in making several cars total loss. We have gathered evidence to show that some of these cars which were declared total loss were taken from the owners and sold privately and the buyers have repaired the same at much lower cost and are running on our roads for several years.
- They will not allow us owners to buy the damaged cars. They will demand a large amount for storing the car in the dealers premises for 3 to 6 months and this cost makes it impossible for the owners to take the car out and repair on their own. This explains why they took several months to investigate and approve the claim. It is a deliberate attempt to demoralise us and increase the storage costs.
If the public is aware of this when you face a similar situation you may be able to act in a informed manner.
"
Also to answer some of the other queries,
1) Akshaya Motors is part of Advaith Motors and is the licensed dealer to sell Mercedes Benz Cars in Bangalore.
2) I have no idea what M & R stand for. But the ones marked by crosses are the ones disapproved by insurance saying that they are consumables and was not covered by insurance as accidental damage.
3) The battery was not damaged in the accident and hence was not covered by insurance as accidental damage. I guess the battery just failed to work after sitting idle for more than 5 months.
4) The car completed 5 years in November 2016 and that is why the IDV was only around 23 Lakhs. We wanted to keep the car for sentimental reasons.
5) None of the parts that were replaced were given back to us. |