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Originally Posted by predatorwheelz In the last part, I require your advice. I have 3 choices left now, please advise which one I should take.
1. Let KB handle the entire repair. Saves me a lot of hassle, they will repair the car, call insurance over and take money directly. I'll only have to pay the difference. Only problem is, I'll be paying almost 30K out of my own pocket and I'll know I've been overcharged.
2. Take the car out of KB, buy parts from Daga and get it repaired by my own mechanic. In this case, the total cost will come to 50K (40K for parts + max 10K for labour). Insurance will pay entire labour and whatever applicable on parts, but I'll still have to pay 25-30K out of my pocket.
3. Take the car out of KB, buy parts from Sheesh and get it repaired at my own mechanic. Total cost will come to max 30K (18K for parts and 10K for labour). Only problem is, insurance will pay almost nothing for parts. That means I'm still paying maybe 25K out of pocket.
Wattado? |
Buddy I know how you feel. I've been in a samilar position in a different context. The best thig at this point is to minimise your costs - present, future, direct and indirect.
Lets divide the total cost into - Present: Your current outgo is more or less same in all three cases - 25-30k. Provided all your sources are reliable and have given you conservative quotations. Future: Since you are claiming insurance in all three scenarios, you are bound to lose the NCB next year. Any other future cost will emanate from incomplete or substandard repair done now. Direct: Present and future costs plus incidental expenses like transportation, lost income because of time spent attending the repair, towing etc. Indirect: The cost of going through all the hassle, irritation and most importantly peace of mind.
Now look at each factor and decide what works out the best for you.
In my opinion, letting the A.S.S handle will cost you the least in total. You are reasonably sure of good workmanship and reliability of repair. There are least chances of malpractice (swapping working parts, plonking in fakes etc.). Your car is already with them, so the least hassle and time. Also beware of local garages who are notorious for under quoting to get the job and charging you more once they have opened up your car.
My two cents is -go with the A.S.S and utilise your time and energy in something more pleasant ![Smile](https://www.team-bhp.com/forum/images/smilies/smile.png) |