Re: Help! Car submerged in flood Hi All,
There was some interesting progress at MSM today. Met the SA who was working on my estimate. After a few minutes' wait, he came with the 4 page estimate sheet and job card. The list was exhaustive and included replacement of all critical, and some non-critical components. It is now clear why the total came up to ₹1.83 lac. The total, inclusive of labour, comes to ₹2.02 lac. The list seems very genuine and has been prepared with a lot of learning incorporated from Maruti's experience with repairing cars damaged during the J&K floods.
I must appreciate the SA for his patience and courtesy. He was standing and explaining the list and related process very patiently, politely and in detail. He waited when I made phone calls. After two quick calls with the surveyor, discussion with the SA and another person in the insurance company, I had made up my mind. I will not be pushing for a total loss.
This is because:
a) All critical components will be replaced by Maruti MSM. This includes the steering column, EPS, steering box, ECM, BCM, alternator, all sensors, starter motor, battery, wiper motor, horn, throttle body, speedometer console, wheel bearings, wheel cylinders, brake components, HVAC compressor, controller and blower, fan, flywheel, headlights, taillights, fog lamps, central locking, power window motors and switches, all other switches, bulbs, fuses and relays, floor carpet, seat belt assembly, clutch disc and plate, all cables (clutch, gear, accelerator, fuel lid, boot lid, hood, etc.,). Of course, the engine oil, gearbox oil, brake oil, coolant etc., all fluids and filters. They will also do a full interior and exterior cleaning, anti fungal treatment etc. worth ₹2000, on which there is a discount of ₹1000.
b) Maruti will be bearing 50% of the cost burden to customer, post depreciation by insurance. I'm expecting my share of expenses to be within ₹50000.
c) I may get the car by next month end.
d) The body, engine and gearbox are in excellent condition. The engine is cranking as they have checked, and is not jammed.
e) I do not intend to sell the car in the near future. I am not worried about the resale value now.
f) I am starting to get a feeling that a total loss settlement might be very difficult to get, and I may lose more in the process. More so after I have read all the experiences here and from colleagues.
g) I am bowled over by Maruti's genuine customer care, which I have experienced time and again, even from day 1 after the floods. 'Maruti's Own Workshop' may have just regained some of their former customers, and one of them is me.
h) This is the old classic Alto K10, which is no longer in production. I wish to retain it.
i) It is a Maruti.
Every time I have set foot there at MSM MASS (even ABT) after the floods, I have been treated well. I am sincerely hoping that it stays that way. Maruti is very serious about not losing their customers. These are really testing times that will prove what a number one manufacturer is capable of. The SAs and all staff involved are under tremendous pressure due to the sheer volume of cars. They are doing their very best. It is also a very delicate matter, especially in India, where cars are revered and have more of a sentimental side, also because how much value we attach to our vehicles. Never should any car maker just look at the flood level and write a vehicle off as a total loss. However practical it may sound, in my opinion it is very insensitive and harsh to do so. Maybe it's another story in other parts of the world, but we don't like that kind of treatment here. We still believe in repair, reuse and other kinds of very valid and economical 'jugaad'. Maruti's sheer size and power comes into play, and hopefully to the rescue. There is a lot of Indian-ness in their approach, and it shows that they have simply been absorbed by the country, over the past three decades.
Now, all that is pending is a final check with the insurer about the maximum allowed bill amount which MSM requested, and me giving the approval to start the repair work. Sincerely hoping for the best outcome. I want to see my Silver Knight, 2011 Alto K10 back in action, by Q1 2016. It has run 38420 KM before it drowned, and it is certainly not the end. I won't allow that. Not anymore.
Peace.
Regards,
Abhishek.
P.S. It is such a relief to type all this out from a normal PC with a physical keyboard. The ease of use and practicality is unparalleled. Most of my previous posts here in this thread were from the Android app. Hence I may have not quoted some of your messages, but have addressed you directly in my posts. Apologies for that, you may have not got a notification.
However, Cheers!
Last edited by satanic_dude : 30th January 2016 at 18:38.
|