Ok guys so here is damage pics, doesnt look like too much, now should i go and get it repaired outside ?? 1> Scenerio 1: Repair at FASS (Pay 1200 as i have Zero Dep) + Lose NCB from last 2 yrs roughly 30% 2> Scenerio 2: Get it repaired at some local shop for 1000-1500. Wait for few more damages (Incase any), claim NCB next year and claim repair in insurance later Now plz suggest !!