Home » Biker hits my automotive: Declare insurance coverage or restore at personal expense

Biker hits my automotive: Declare insurance coverage or restore at personal expense

I really feel it is a minor harm and am fearful it might have an effect on my subsequent yr’s premium.

BHPian Syperam not too long ago shared this with different lovers.

Yesterday night time some idiotic 2wheeler man rammed into my automotive whereas taking a u-turn (with indicators on). He tried to get previous me from the suitable whereas I used to be taking a u-turn. I used to be lifeless sluggish (virtually at 0) whereas taking the flip, I don’t understand how he thought to undergo that small house between me and the divider. I used to be taking a look at him within the aspect ORVM and thought he’ll move me via the left however in a jiffy, he hit me on my driver aspect door and was about to hit the highway however managed his bike and hurried away earlier than I acquired down.

I’m in dilemma to go to HASS and declare insurance coverage or shall I do it wherever else at my very own expense (as I believe it’s a bit minor harm and can have an effect on my subsequent yr premium). One other factor, on the rear door there’s a small scratch (subsequent to the door deal with) with a slight dent seen solely when seen via sideways. Do I must go for its restore (if I do, then I believe they may paint the entire door) or shall I depart it and really feel depressing at any time when I see it.

Please want your worthwhile enter for taking a choice. Thanks prematurely.

Here is what BHPian Sushil Pingua needed to say on the matter:

Make this an insurance coverage declare, the HASS would cost wherever between Rs 5000/- to Rs 10,000/- in your harm. This dent on the door requires denting after which portray. The entire of this door shall be painted to match the remaining automobile. The ASS would take a minimal of two days to do that job. Don’t worry concerning the NCB, your peace of thoughts issues. NCB is supposed to discourage you from making claims, don’t fall into the lure of NCB.

The second possibility can be to get this job accomplished at your neighbourhood automotive denter-cum-painter who will do that job of denting and portray inside 12 hours on a dry sunny day.

I had comparable harm like yours on my rear proper door and I acquired the harm dented and painted at my neighbourhood denter-painter’s store inside 9 hours for a complete price of Rs 2,000/-

My HASS was asking for 3 days to restore & course of the declare, and I could not spare my automotive for greater than a day, so opted to spend Rs 2,000/- and get the job accomplished inside my workplace hours.

Here is what BHPian naveen.raju needed to say on the matter:

Sorry to listen to concerning the mishap.

Get it repaired from HASS however do not hurry on the work. We as soon as had a bitter expertise on our i10. The second time we requested them to take their time and informed them that the end ought to be good.

Simply drop on this line as I’ve seen different producers messing this up earlier than.

Here is what BHPian SR-71 needed to say on the matter:

It isn’t as dangerous because it seems to be. If you would like all of the damages gone totally, HASS people will suggest changing the door or a minimum of repainting your entire door in the event that they handle to get the dent fastened flawlessly. Go to a reputed FNG to get the dent fastened and get your automotive polished. From the seems to be of it, it is best to be capable to handle a 95% again to regular repair however there will probably be delicate seen scratches if checked out carefully. It is troublesome to establish these items over an image exactly however I do not assume that is value sinking into your insurance coverage and shedding out on NCB.

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