Scratched my car just after fixing it under insurance: Now what?

Should I claim insurance once again, considering its the same panel I painted 2 days ago?

BHPian mgastor2022grey recently shared this with other enthusiasts.

Hey guys, hope everyone is doing good. I have not posted in a while, so some information might be new to people. Read on!

I have recently bought a Tiago EV to compliment my Astor for city duties. Both the cars are in ICICI Lombard insurance. Generally, I don't take my Astor within the city but due to some unavoidable circumstance, I had to take it.

I had actually received my car the day before the incident from the service center and had repainted my rear bumper. However, on the next day, while parking my car in the office, i misjudged the distance to the wall and banged it. Luckily, the tailgate was not damaged, but the bumper received some scratches, paint transfer and a dent.

Here comes my question: Should I claim insurance once again, considering its the same panel I painted 2 days ago? I'm little anxious about what the service center people would think about me (bruised ego ). Or should I leave it as such? Its not a minor one, anyone tailing me would know that it is damaged.

BHPians, need your help in this one. Thank you!

Here's what BHPian toiing had to say on the matter:

What i would suggest is to keep driving the car for a bit and get yourself comfortable with the dimensions of the car. Do that for a month (or two) and then get all the dings and scratches fixed once and for all.

Here's what BHPian pjbiju had to say on the matter:

Nothing wrong in making a claim again. In fact, if you do want to claim this later on, they may reject the claim, saying it is an old dent/scratch. So if you are planning to claim insurance, always get it done as soon as possible.

Some of the add-on covers or zero-depreciation etc. could become invalid after a certain number of claims in a year. You can check your current insurance policy terms to see if there is anything like that in your policy. You can make a decision based on that as well.

Here's what BHPian ashkamath had to say on the matter:

You can claim insurance any number of times during the validity of the policy.

As you mentioned that the damage is not a minor one (we take it that the damage is a major one), then you should go ahead and claim the insurance again.

Take some photos of the wall where the bumper hit and there must be some damage to the wall too. Speak with the insurance company official and explain them the incident and go ahead with the claim.

If you have taken the photo of the bumper after it was repainted, then it would be an additional plus point. Further the service center will vouch that the bumper was repainted and the work was done to your fullest satisfaction prior to your second incident.

So, please speak with the insurance official and lodge your claim.

Here's what BHPian Naetik30 had to say on the matter:

This happens to the best of us. Dont worry about it.

Just remember you have insurance for a reason. Not claiming insurance is NOT a badge of honour. And so is claiming it every other day.

I do not recall any use of insurance other than accidental claims. Would you buy a rain coat and not use it when it rains so the rain coat wont get wet? You get the drift.

But as other suggested do get used to the cars dimensions first.

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