@ALL : Thanks a lot for providing so much of Insight.. This is the update provided to me by RDC Fiat as of yesterday Engine has been completely dismantled. And concrete information on what all needs to be replaced and have come to light. 4 Pistons have shown structural issues and has been bent due to the water entering into Engine's Compartment. To exactly mention, the 2nd piston's bent is visible and the other 3 pistons have been advised to also be replaced on a SAFE SIDE. The Piston is made of Cast Iron and it gets bent because of water ingression. This is what is puzzling. Crankshaft, Gearbox and Clutch are perfectly fine. All Connect rods and Bearing Set has to be replaced. Insurance will again come back to RDC and check out physically the condition of the items dismantled and verify if it actually needs to be replaced. After that, they will mention what are the items that are claimable under insurance and let us know the final quotation. The cost of what RDC mentioned just for the engine related components that might/might not be claimable by insurance is around Rs.54000/-.