Swift Accident

passioncool74 · 31st August 2007, 16:37

Help guys!!! Was passing by a traffic intersection when an old uncle on a bike, broke his red light from the left and banged straight into my Swift on the left side. Result was a large scratch on my left back door, a dent in my front bumper, a tear in the metal below the door, bent wheel rim etc etc... Bloody hell!!! Now the MASS has given me a quote for around 20K for repair. Is this okay? Also, my Swift completes one year in October end... so should I wait for one year to pass and then claim insurance for repairs, for purpose of getting No Claim bonus? Or should I get it repaired right away? A month has already gone by since the accident. Please help me in this process and inform the right way to go about it pls

.

Firebird · 31st August 2007, 18:41

Oh Man! sorry to here that. Is she ok in normal running?

how come the rear door and front bumber took the toll at a time....well looks wierd...

What does the quote involve?

Repair of door or replace?
Bumber replace ?
Head light assembly ?
Is there structural damage ?
Is there other affected areas in machine ?

Whats was the analysis done when the quote was given?

The answers to above would give the exact picture and the repair stuff.

I am not sure how much the premium would increase by making a claim, thats what the insurance is for...atleast thats my thinking...

FERRO · 31st August 2007, 19:13

Poor guy Sorry for ur Swift I hope no ones injured here how is that old uncle on bike ?

anandpadhye · 31st August 2007, 19:39

Forget the no claim bonus dost...
Just get the car back in good shape.

What's this tear in the metal below the door???

And looking at the details of the damage you have described, 20 K seems nothing!

dadu · 31st August 2007, 21:51

The damage that you have described, gives a picture as if some big vehicle like a mini-truck has hit the swift, bent rim and all, have they started making stronger bikes or swift out of paper

Anyways, get it repaired dont worry about the NCB.

Quote:

Originally Posted by passioncool74

Help guys!!! Was passing by a traffic intersection when an old uncle on a bike, broke his red light from the left and banged straight into my Swift on the left side. Result was a large scratch on my left back door, a dent in my front bumper, a tear in the metal below the door, bent wheel rim etc etc... Bloody hell!!! Now the MASS has given me a quote for around 20K for repair. Is this okay? Also, my Swift completes one year in October end... so should I wait for one year to pass and then claim insurance for repairs, for purpose of getting No Claim bonus? Or should I get it repaired right away? A month has already gone by since the accident. Please help me in this process and inform the right way to go about it pls

.

theMAG · 31st August 2007, 22:17

30 days might have lapsed any insurance step-in. Pl chk soon.

danlalan · 31st August 2007, 22:45

So much of damage from that little uncle on the bike..iam sure he must have broken a few bones...20k thats ok just get it done from them and not outside...but remember once you get it repainted its never going to match wid other body panels...

rohan_fonseca · 1st September 2007, 00:21

Quote:

Originally Posted by passioncool74

Help guys!!! Was passing by a traffic intersection when an old uncle on a bike, broke his red light from the left and banged straight into my Swift on the left side. Result was a large scratch on my left back door, a dent in my front bumper, a tear in the metal below the door, bent wheel rim etc etc... Bloody hell!!! Now the MASS has given me a quote for around 20K for repair. Is this okay? Also, my Swift completes one year in October end... so should I wait for one year to pass and then claim insurance for repairs, for purpose of getting No Claim bonus? Or should I get it repaired right away? A month has already gone by since the accident. Please help me in this process and inform the right way to go about it pls

.

Real bad luck. Sorry to hear about it. How did uncle on bike manage such a lot of damage? Try to post some pics (although they might not be pretty) so that the guys can have a better idea of the damage.

BlackPearl · 1st September 2007, 01:41

please get it repaired through insurance as soon as possible. NCB will only be Rs. 2000, so no point in not claiming insurance. morover do it asap as insurance surveyor can create problem if the damaged parts start rusting.

msharma_79 · 1st September 2007, 10:20

people are so careless nowadays. sorry to hear about your car, well something similar happend to me yesterday when a hot shot executive from IBM scratched my parked car and tried to runaway, heard so many cases of road rage( even lost a friend to road rage Dr. Diwan from Gurgaon) discussed things with him, at that point of time he agreed to pay for repair. got the estimate today Rs.3000 for repainting to bumper.

i dont know whether he will pay or not.

kpzen · 1st September 2007, 11:25

Quote:

Originally Posted by anandpadhye

What's this tear in the metal below the door???

!

It should be the running board.

kjdesigns_2000 · 1st September 2007, 12:07

A damaged rim means the suspension might have had a big hit too... Just check the car form the front and rear to see of there is an inclined wheel or not, make sure you get that fixed properly because the body fixes are easy to notice by the company but they really dont care to fix the hidden areas properly (happened to me once and had to get it fixed in front of me then).

saumil · 1st September 2007, 14:47

Get the car back in shape & dont worry about the NCB. 20k seems alright for so much damage as described.

passioncool74 · 5th September 2007, 14:59

my swift is absolutely fine.. atleast there does not appear any problem except the body damage on the left. The quote involves replacement of back left door, front bumper replace... btw the front bumper got damaged cause i swerved to miss thta guy and hit a large rock on the road instead...
and that old guy.. thank god was absolutely fine... all that he got from the accident was a fall from his bike and a bleeding finger...

Quote:

Originally Posted by Firebird

Oh Man! sorry to here that. Is she ok in normal running?

how come the rear door and front bumber took the toll at a time....well looks wierd...

What does the quote involve?

Repair of door or replace?
Bumber replace ?
Head light assembly ?
Is there structural damage ?
Is there other affected areas in machine ?

Whats was the analysis done when the quote was given?

The answers to above would give the exact picture and the repair stuff.

I am not sure how much the premium would increase by making a claim, thats what the insurance is for...atleast thats my thinking...

rohan_fonseca · 6th September 2007, 19:53

Quote:

Originally Posted by passioncool74

my swift is absolutely fine.. atleast there does not appear any problem except the body damage on the left. The quote involves replacement of back left door, front bumper replace... btw the front bumper got damaged cause i swerved to miss thta guy and hit a large rock on the road instead...
and that old guy.. thank god was absolutely fine... all that he got from the accident was a fall from his bike and a bleeding finger...

Ah! that explains it. How are the repairs coming about?

31st August 2007, 16:37	#1
passioncool74 Newbie Join Date: Nov 2006 Location: mumbai Posts: 12 Thanked: 0 Times	Swift Accident Help guys!!! Was passing by a traffic intersection when an old uncle on a bike, broke his red light from the left and banged straight into my Swift on the left side. Result was a large scratch on my left back door, a dent in my front bumper, a tear in the metal below the door, bent wheel rim etc etc... Bloody hell!!! Now the MASS has given me a quote for around 20K for repair. Is this okay? Also, my Swift completes one year in October end... so should I wait for one year to pass and then claim insurance for repairs, for purpose of getting No Claim bonus? Or should I get it repaired right away? A month has already gone by since the accident. Please help me in this process and inform the right way to go about it pls .
	() Thanks

31st August 2007, 18:41	#2
Firebird BHPian Join Date: Jul 2005 Location: Mumbai / EC1M 3NH Posts: 470 Thanked: 65 Times View My Garage	Oh Man! sorry to here that. Is she ok in normal running? how come the rear door and front bumber took the toll at a time....well looks wierd... What does the quote involve? Repair of door or replace? Bumber replace ? Head light assembly ? Is there structural damage ? Is there other affected areas in machine ? Whats was the analysis done when the quote was given? The answers to above would give the exact picture and the repair stuff. I am not sure how much the premium would increase by making a claim, thats what the insurance is for...atleast thats my thinking...
	() Thanks

31st August 2007, 19:13	#3
FERRO BHPian Join Date: May 2007 Location: Mumbai Posts: 313 Thanked: 2 Times	Poor guy Sorry for ur Swift I hope no ones injured here how is that old uncle on bike ?
	() Thanks

31st August 2007, 19:39	#4
anandpadhye Distinguished - BHPian Join Date: Apr 2007 Location: Pune Posts: 3,054 Thanked: 3,309 Times	Forget the no claim bonus dost... Just get the car back in good shape. What's this tear in the metal below the door??? And looking at the details of the damage you have described, 20 K seems nothing!
	() Thanks

31st August 2007, 22:17	#6
theMAG Distinguished - BHPian Join Date: May 2006 Location: Avon, CT Posts: 7,217 Thanked: 1,807 Times View My Garage	30 days might have lapsed any insurance step-in. Pl chk soon.
	() Thanks

31st August 2007, 22:45	#7
danlalan Senior - BHPian Join Date: Nov 2005 Location: mumbai,JUHU Posts: 1,636 Thanked: 263 Times View My Garage	So much of damage from that little uncle on the bike..iam sure he must have broken a few bones...20k thats ok just get it done from them and not outside...but remember once you get it repainted its never going to match wid other body panels...
	() Thanks

1st September 2007, 01:41	#9
BlackPearl Team-BHP Support Join Date: Aug 2005 Location: Calcutta/London Posts: 3,606 Thanked: 16,986 Times View My Garage	please get it repaired through insurance as soon as possible. NCB will only be Rs. 2000, so no point in not claiming insurance. morover do it asap as insurance surveyor can create problem if the damaged parts start rusting.
	() Thanks

1st September 2007, 10:20	#10
msharma_79 BHPian Join Date: Aug 2007 Location: Gurgaon Posts: 262 Thanked: 23 Times View My Garage	people are so careless nowadays. sorry to hear about your car, well something similar happend to me yesterday when a hot shot executive from IBM scratched my parked car and tried to runaway, heard so many cases of road rage( even lost a friend to road rage Dr. Diwan from Gurgaon) discussed things with him, at that point of time he agreed to pay for repair. got the estimate today Rs.3000 for repainting to bumper. i dont know whether he will pay or not.
	() Thanks

1st September 2007, 12:07	#12
kjdesigns_2000 BHPian Join Date: Dec 2006 Location: Gurgaon Posts: 160 Thanked: 0 Times View My Garage	A damaged rim means the suspension might have had a big hit too... Just check the car form the front and rear to see of there is an inclined wheel or not, make sure you get that fixed properly because the body fixes are easy to notice by the company but they really dont care to fix the hidden areas properly (happened to me once and had to get it fixed in front of me then).
	() Thanks

1st September 2007, 14:47	#13
saumil BHPian Join Date: May 2007 Location: Mumbai Posts: 57 Thanked: 0 Times View My Garage	Get the car back in shape & dont worry about the NCB. 20k seems alright for so much damage as described.
	() Thanks

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