Accident Story:
I met with an accident in the the-new-one yesterday (1st July 2014) in Hinjewadi at Mindtree crossing while going from Phase 1 to Phase 2.
I was waiting on the divider side at the crossing for signal (no actual signal there, traffic cops man it at rush hours). There was a Maruti Eco taxi waiting behind me at safe distance. A Tata Sumo taxi behind it was unable to brake in time and bumped into the Eco which inturn bumped into my car.
After hearing the bang, I switched off my car and got out and saw the damage. The guy driving the Sumo taxi was alone and was very apologetic about what had happened. The Eco taxi had passengers (some company drop) and one of the person was wearing a neck belt. As usual none of the passengers were weating seat belts in the Eco taxi and hence this guy with neck belt suffered with a jolt and was almost crying in pain.
By the time we (me, both other drivers) had realised what had happened, the traffic cops from the junction walked over and asked us to take our vehicles on the side which we did immediately. The traffic cops then asked us to discuss what we wanted to do and were there giving suggestions to go the nearest Police Station at Hinjewadi Chowk if we wanted help. I was amazed at the polite behaviour and was surprised that none of them was pastering any of us for anything.
The Sumo taxi driver could not reach the owner in sometime and then I decided to take matters to the Police. 3 cops accompanied in each vehicle and we came down to the Hinjewadi Police Station.
The duty Hawaldar took our licenses after a quick narrative session from the traffic cop who had witnessed the situation. The Hawaldar then asked all 3 of us the standard questions (Name, Add, Cell no, Occupation) and noted it down on his paper pad. He then told that he will withhold our licenses till we either compromise or decide to file a case.
The 3 of us came out and the Sumo taxi driver told he was able to reach the owner and the owner is on his way to help resolve the situation and has requested not to file any case.
The accident took place at 11.30 am and by the time the Sumo owner arrived (arrived and how - a White Tavera with special registration number, full of 8 people all in white with loads of GOLD and RAYBANS) at about 12.20 pm. These people instead of talking to their driver came to me directly and asked what happened. I told them the story and then they looked at both my car and the other Eco taxi.
One of the guy then requested me to not file any case and settle it by taking my car to some known garage. I told them that my car is under warranty and it would cause issues on my warranty if I do repairs outside authorised service station. The same offer was made to the Eco taxi and he accepted as the owner of the Eco taxi was ready for that settlement. The actual owner of the Sumo taxi (simple guy, nothing like those sofisticated goons from Tavera) came to me and told that he would accompany me to the service station and we can get the estimate for repairs and he will pay the difference on the insurance claim. This meant I was to claim and loose my NCB.
Aftermath:
We then went inside the police station and told the Hawaldar that we have reach a compromise and dont want to file any case. The Hawaldar asked us to sit down on the chairs and noted all the details previously captured on his notepad onto the main case register. He then took our signatures and told that we will not be able to come in and file any complaint again against anyone on this case. He also returned our licenses.
The Sumo taxi owner and driver came in the Sumo behind my car to DSK Toyota service station in bavdhan. It was already 1.40pm by then. I filled in the form and one lady service advisor from insurance claims team gave us a rough estimate of about 25-30k for replacing the tail gate and bumper. The insurance being Zero-Dep, there was very miniscule amount to be paid (roughly 1500 bucks as own contri - yet to get details - surveyor or SA has not called yet).
The Sumo taxi owner and I had a quick discussion and he agreed to pay me 5k towards the entire case. He did not have that much on him and he gave 2.5k and told he will give the rest after calling me in sometime. I told him that I am taking this amount only to payout the extra money I need to contribute to the insurance & I will refund him any extra cash. The guy did not call me back as promised to give me the remaining 2.5k yet. I have not bothered to call him either as I do not see the estimate going beyond the already discussed numbers.
FAQ (For surely asked questions by all TBHPians
):
Q1. Why did I not ask the Sumo taxi owner to bear the entire cost to repair ?
Ans. I am of the opinion that insurance is for these kind of things called accident. The driver realised his mistake and apologised. The driver and owner did not shy away from coming to the service station and paying out more than the estimated own contri amount.
Q2. Do I feel bad about the NCB ?
Ans. Not at all. I treat NCB as a discount on insurance amount. I would not get it at this renewal. Thats all !
Q3. Car repair time ?
Ans. The SA told that the tail gate and bumper will be replaced. I have not yet got the call from insurance team or SA on the details. Insurance survey, claim process and parts order (as this is replacement) will take 3-4 days. And another 3-4 days for the coloring and refit. So total 8 days.
Q4. How am I commuting now ?
Ans. Today was first day when I got my Activa so far into Hinjewadi Phase 2 at my office. I have driven it till Phase 1 when our office was there. It was back breaking journey of 1 hour 30 mins from my place on Sinhagad Road. I am unsure if I can do this for next 8 days. And yes I did think about staking a claim of this amount from the Sumo owner. Some how could not
.
Q5. What I feel I did right and wrong ?
Ans. The right - I did not loose my composure and was ready to work in the given situation to come to a mutually agreeable deal. The wrong - Am not sure, not thought about this. This is where I need all my fellow TBHPians help. Let me know.
Now the pictures: