[adi_gt]

Originally Posted by himalyan_ice

Always, have a friend come and assist with the scenario, because you will be in a bit of a shock, regardless of physical injury.

+1 to that. As you have mentioned, most of us are in shock even after a minor accident. It takes some time to set your bearings straight.

[AutoIndian]

Originally Posted by himalyan_ice

This was Friday night / Saturday morning around 1:40 AM as I was driving through Niti Marg, Chanakyapuri, a lady driver drove in from Tenzin Norgay marg and slammed into my *sigh* one month some old car. The force of the impact was such, that my car climbed the pavement and beyond the damage you see, the left tyre burst.

Really sad to see a brand new car in such a bad shape for no fault of yours. Hope you can get it repaired and bring it back to its original shape with least damage to your pocket.

Night driving (especially beyond midnight) is always a risky affair, especially within city limits. I have seen most accidents happen during this hour of the day/night. Slowing down at intersections, even coming to a dead hault always helps, we may loose those few seconds and few extra drops of fuel, but this always helps when there are morons (like the Swift driver in this case). I am myself a victim of "T-bonig" at a roundabout and I was equally at fault as that the other driver. I didn't stop and neither did he and he banged my car exactly at the "B" pillar. He had a broken bumper, headlights and I had to replace my door, window winder and get denting painting done.

After that day, my principle has been to come to a dead stop at a junction or crawl slowly, so that you get enough time to look left, right and centre and then proceed. Worth the delay to save our precious cars and more precious lives .

[Himalayan_Ice]

Originally Posted by AutoIndian

Night driving (especially beyond midnight) is always a risky affair, especially within city limits. I have seen most accidents happen during this hour of the day/night. Slowing down at intersections, even coming to a dead hault always helps, we may loose those few seconds and few extra drops of fuel, but this always helps when there are morons (like the Swift driver in this case). I am myself a victim of "T-bonig" at a roundabout and I was equally at fault as that the other driver. I didn't stop and neither did he and he banged my car exactly at the "B" pillar. He had a broken bumper, headlights and I had to replace my door, window winder and get denting painting done.

After that day, my principle has been to come to a dead stop at a junction or crawl slowly, so that you get enough time to look left, right and centre and then proceed. Worth the delay to save our precious cars and more precious lives .

Lesson learnt. I'm gonna drive at geriatric speeds at night post this incident. The really retarded bit is that people STILL don't understand that drinking and driving is one of the most terrible things you can do.

[hserus]

Glad you're ok and sorry this happened to a new car.

My advice would be to see how much of a loss insurance declares for you and dispose of this car, get a new one.

Axle bent out of shape, chassis needs to be pulled, airbags refitted (which itself is a bit expensive) .. this car will never feel the same to drive again even after skilful repairs.

[swiftnfurious]

Glad you chose the safety variant and also is advising on it. It's the best when people come out of an accident without any issues.

Originally Posted by himalyan_ice

...The really retarded bit is that people STILL don't understand that drinking and driving is one of the most terrible things you can do...

Do you mean to say that the lady was DUI ??

[Himalayan_Ice]

Originally Posted by swiftnfurious

Do you mean to say that the lady was DUI ??

Yep. But cannot say it officially since a medical would have meant FIR and court case.

[Turbanator]

But cannot say it officially since a medical would have meant FIR and court case

So did you knew her or settled losses with her? Given the damage to your car, I think FIR will be mandatory, at least that was must many Yers ago. Double check with your Insurance guy.

[Ruchitya]

As Turbanator mentioned, I too was under the impression insurance guys would demand an FIR to be filed. This lady who hit my car registered one against me. And then I against her. That's a story for another day though.
Do enlighten us if this is not a mandatory process now?
Also, if there is no proof that she hit you, I feel the negotiation had better be in the presence of a cop. There is always the possibility they file charges against you later, and your off-the-book compromise would hold no value.

[90BHP]

Thank God and MSIL that they were there for you! Very happy to hear that you came out a bit shaken but not hurt.

I would recommend you lodge an FIR as you never know what the opposite person has in mind especially if the DUI has gone under the table. It's a horrible process but it's necessary evil. It's the air bag for your future.

As for the car, see how much it costs to total it. I know you must have waited incredibly long to get this but I don't see how it will ever be whole again. It may be just in the mind at times but I would still part ways with the car.

[ridersam]

Was involved in a multi car pile up on the Mumbai-Pune expressway on new year's eve. Some cars stopped short in front (with a few fender-benders). I could stop behind the Camry in front of me, but the guy behind me in a Linea behind me was not paying attention and crashed into my car's back side badly and pushed me into the Camry in front - dont think there was any breaking on his part. Luckily we were on the Ghat section so not very high speed, but still fast enough that the boot is really badly caved in and needs to be replaced. The Linea radiator gave out and wasnt running any more.

Question:
1. I have been told (also by the SA) that there will no point in pursuing the claim with the other driver - (only have the number plate for my reference). No FIR since we had to reach the destination (luckily the CAR still running - electricals and all) and Police dont bother to show up at the accident unless there is someone physically hurt. Has anyone pursued this and suggest pros/cons?

[lsp]

Yesterday late evening (~7:30 pm) I was returning home after my daughter's classmate's birthday party. She was in the passenger seat, strapped up and one of her friends was at the back with his mother (whom I was dropping home). At the last turn, I slowed down the car to take a left and had to wait a little as there was a motorcycle who was overtaking me from my left. My car (Grand i10) must be at around 5 /10 kmph when suddenly we felt a huge bang. Someone had banged the car from behind. Surprisingly there was no screeching of wheels sound, which is there usually when the other person brakes hard.

The first thing I checked was that the occupants are safe. Thankfully no one was harmed. I stepped out to see a Santro had banged me from behind. He also stepped out. The driver of the car behind him (M800) also came out (He was Santro diver's father, which I later came to know). M800 did not bang into the Santro.

I examined the impact and prima facie it did not appear much on my car. The light was low and I could make out that the bumper had been torn at a few places which would def need to be replaced. The Santro looked banged up from the front.
Pics of the Santro clicked at the spot.







The santro guy admitted that he was distracted by his phone and could not brake in time. He agreed to pay for the damages. I have his Phone number, Address & DL and Aadhar photos. Also, I asked him to SMS the following from his phone - "I will bear the expenses for the accident at Pushp Vihar dated 28th Jan 2017 <his car reg number>"


I went to Rama Hyundai today for repairs. Usual estimate of about 6-7 days post surveyor approves the claim. I have ICICI Lombard comprehensive insurance. Bumper replacement + Dry denting of the small dent on the hatch was on my mind. Upon opening the boot, the workshop guy told me that the panel, on which all the bumper etc are screwed is badly out of shape and would need to be cut and rewelded. Not sure if he meant replacement panel of not. (This panel is one which is visible when you lift the carpet/board which covers the stepney). The panel was impacted but point to be noted is that the hatch was locking, albeit using more force than earlier. I needed to bang the hatch to close it, after the accident.

The workshop guys told me the total estimate is around 20-22 k and I would need to shell out ~2.5k from my pocket for claim charges (Rs1000, Nuts bolts clips and other consumables and 5% plastic salvage charge).

Pics of grand i10 clicked at Rama Hyundai today.






Questions
1) If they cut and weld a new panel at the back, how would it impact the structural integrity of the car?
2) If they pay the money coming out of my pocket in the whole exercise (~2.5k) what about the NCB which I would be loosing when revewing insurance?
3) Are the charges as mentioned by workshop guys ok?
4) What are my options?

Car is only 4 months old and was scratchless so far (Trust me it's a big thing in NCR to have a scratchless car after 4 months). I am happy that my daughter n other occupants were safe and all impact was borne by the cars.

[khoj]

Take the car to Hyundai plaza workshop on Mathura Road for a second opinion.

You will lose the NCB completely, the current NCB should be mentioned in your insurance policy/cover note. You should take a written estimate from the A.S.C. and get the Santro guy to pay up upfront and get the repairs done.

Cutting and welding is highly suspect w.r.t. the quality of work. Again Hyundai plaza is a better place to get this done if there is no other option available.

Originally Posted by lsp

.......

Questions
1) If they cut and weld a new panel at the back, how would it impact the structural integrity of the car?
2) If they pay the money coming out of my pocket in the whole exercise (~2.5k) what about the NCB which I would be loosing when revewing insurance?
3) Are the charges as mentioned by workshop guys ok?
4) What are my options?

Car is only 4 months old and was scratchless so far (Trust me it's a big thing in NCR to have a scratchless car after 4 months). I am happy that my daughter n other occupants were safe and all impact was borne by the cars.

[lsp]

Originally Posted by lsp

....

Here is the mail I got today.

Dear sir,
Your vehicle survey has been done by Mr. XXXXX.
Approval of your vehicle is
Rear bumper- new
Dicky - repair
Monograms -new
Rear Rail -new
Back panel -new
Floor -repair.
Total repair cost is appox-27000/-
your dep .cost may be-2500/ appox
Pls give approval for start the work.

[jimmzbond]

My 2009 Honda City i-Vtec met with an accident on the highway. Trying to save a holy cow, I braked, but the car at the rear hit my Honda City real bad. Though the bumper is intact and tail light is broken, I am just wondering if I should get it repaired at Honda service or from outside denting shops. It should cost me about 15-20K (from my pocket) as my car is fairly old.
Please advise on good shops for this job in Gurgaon.

[samaspire]

Originally Posted by lsp

Here is the mail I got today.

Dear sir,
Your vehicle survey has been done by Mr. XXXXX.
Approval of your vehicle is
Rear bumper- new
Dicky - repair
Monograms -new
Rear Rail -new
Back panel -new
Floor -repair.
Total repair cost is appox-27000/-
your dep .cost may be-2500/ appox
Pls give approval for start the work.

Why do they need to replace the Monograms and rear rail. They will cost a lot. And what is the Back panel?

If you claim insurance, you'll lose NCB and your premium will be higher next time. So the other guy will have to pay both - the current claim charges and the additional insurance payout for next renewal.