Swift hit from 2 different sides-how can insurance be claimed at one go?

sidindica · 23rd October 2009, 13:22

This is my friend's swift, hit at 2 different sides, the rear bumper has to be replaced and so the front fender.And of course, both the doors need to be repainted.
Can the insurance be claimed for all these at one go?
Any other details will be welcome as I have zero knowledge about this.

KRRaj · 23rd October 2009, 13:36

This happened to my bike not car, but my Bike had similar damages both sides. No idea how. A stupid auto came in my lane on the wrong way and I skidded avoiding to brake.

The bike fell on one side only, but there was damage on both sides. The mechanic was equally confused and then informed me to say that the auto hit me on one side and I fell on the other side.

He did the same when they inspected and the insurance guys accepted it.

So you could spin something similar and get it done. Hope that was helpful

rr_zen · 23rd October 2009, 13:40

@sid: I do not see a problem claiming insurance provided the damage to both sides have happened during the same accident.

In case an FIR has been filed, the police report should clearly mention how the accident occurred and the areas that have been damaged/impacted due to the same.

I met with an accident six months ago where a school bus rammed into my car from behind while waiting at a signal. In the impact, my car was thrusted forward and hit a Tata 407. My bonnet was damaged and so was my trunk and rear bumper. I did not have an issue claiming insurance for all the damages.

jithudigitised · 23rd October 2009, 14:36

+1 to rrzen. I don't think there will be any problem for you in case of claiming the insurance.

As already said, if you are filing a FIR,mention all the damages caused to the car.If you leave something out,then the insurance guys can claim that the damage didn't occurred in the accident.

rjvora_2000 · 24th October 2009, 09:01

Why you say that this two side?
I can see one full side with fender and till bumper in the end.

Please give details that how accident occurred?

sidindica · 24th October 2009, 17:24

The bumper was hit by an indigo last week and the other accident occured about a month back when the car was standing at a traffic signal, first a cycle rickshaw hit it and then an Indica, trying to avoid it, banged on to the fender.In ghaziabad.Thats what I was told by him.

aghosht · 24th October 2009, 18:36

Therefore some kind of explanation has to be given for damage to left rear bumper, scratches on the side and the dent near the front right wheel. If the other party is not claiming damage then there is no requirement to make a FIR - but I believe if the explanationprovided for the 2 sided damage is authenticated by the FIR then the insurance guys should not have a problem passing the claim.

rjvora_2000 · 26th October 2009, 09:01

Quote:

Originally Posted by sidindica

The bumper was hit by an indigo last week and the other accident occured about a month back when the car was standing at a traffic signal, first a cycle rickshaw hit it and then an Indica, trying to avoid it, banged on to the fender.In ghaziabad.Thats what I was told by him.

One of the option can be you tell insurance guy to go for two claim's together and he can give you the entire claim amount together. You might have to pay little higher amount as he will apply compulsory deductible (Rs. 500/- May be) two times.

Remember you have to request him to do this as this is in the hands of the surveyor. Try not to fight and get this done, because once he say's no for this then it would be very difficult to get it clear from insurance company.

23rd October 2009, 13:22	#1
sidindica Senior - BHPian Join Date: Jun 2007 Location: Delhi Posts: 4,902 Thanked: 8,348 Times	Swift hit from 2 different sides-how can insurance be claimed at one go? This is my friend's swift, hit at 2 different sides, the rear bumper has to be replaced and so the front fender.And of course, both the doors need to be repainted. Can the insurance be claimed for all these at one go? Any other details will be welcome as I have zero knowledge about this. Attached Thumbnails
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23rd October 2009, 13:36	#2
KRRaj BHPian Join Date: Sep 2009 Location: Bangalore Posts: 514 Thanked: 35 Times View My Garage	This happened to my bike not car, but my Bike had similar damages both sides. No idea how. A stupid auto came in my lane on the wrong way and I skidded avoiding to brake. The bike fell on one side only, but there was damage on both sides. The mechanic was equally confused and then informed me to say that the auto hit me on one side and I fell on the other side. He did the same when they inspected and the insurance guys accepted it. So you could spin something similar and get it done. Hope that was helpful
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23rd October 2009, 13:40	#3
rr_zen Senior - BHPian Join Date: Sep 2006 Location: Chennai, India Posts: 1,810 Thanked: 423 Times View My Garage	@sid: I do not see a problem claiming insurance provided the damage to both sides have happened during the same accident. In case an FIR has been filed, the police report should clearly mention how the accident occurred and the areas that have been damaged/impacted due to the same. I met with an accident six months ago where a school bus rammed into my car from behind while waiting at a signal. In the impact, my car was thrusted forward and hit a Tata 407. My bonnet was damaged and so was my trunk and rear bumper. I did not have an issue claiming insurance for all the damages.
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23rd October 2009, 14:36	#4
jithudigitised BHPian Join Date: Nov 2006 Location: Thiruvananthapuram Posts: 358 Thanked: 141 Times View My Garage	+1 to rrzen. I don't think there will be any problem for you in case of claiming the insurance. As already said, if you are filing a FIR,mention all the damages caused to the car.If you leave something out,then the insurance guys can claim that the damage didn't occurred in the accident. Last edited by jithudigitised : 23rd October 2009 at 14:38.
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24th October 2009, 09:01	#5
rjvora_2000 Senior - BHPian Join Date: Mar 2008 Location: Mumbai/Mulund Posts: 1,664 Thanked: 57 Times	Why you say that this two side? I can see one full side with fender and till bumper in the end. Please give details that how accident occurred?
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24th October 2009, 17:24	#6
sidindica Senior - BHPian Join Date: Jun 2007 Location: Delhi Posts: 4,902 Thanked: 8,348 Times	The bumper was hit by an indigo last week and the other accident occured about a month back when the car was standing at a traffic signal, first a cycle rickshaw hit it and then an Indica, trying to avoid it, banged on to the fender.In ghaziabad.Thats what I was told by him.
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24th October 2009, 18:36	#7
aghosht BHPian Join Date: Oct 2009 Location: Thane Posts: 191 Thanked: 17 Times	Therefore some kind of explanation has to be given for damage to left rear bumper, scratches on the side and the dent near the front right wheel. If the other party is not claiming damage then there is no requirement to make a FIR - but I believe if the explanationprovided for the 2 sided damage is authenticated by the FIR then the insurance guys should not have a problem passing the claim.
	() Thanks