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My Fiat Punto met with an accident

Discussion in 'Insurance & Loan Reviews' started by saurav, Dec 19, 2013.

  1. saurav

    saurav Amatore

    Hi Folks,

    Had visited the BodyShop yesterday. Below are a few pictures of the impact to the inner shell of the car.

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    IMAG0419.jpg

    IMAG0411.jpg
    Last edited: Dec 22, 2013
  2. Nadeem Ahmed VR 46

    Nadeem Ahmed VR 46 Esperto

    Messages:
    1,123
    Gadag
    Ouch,very sad to see your Punto's accident Saurav.Thank god that you & your family sitting at back is safe.Very rare i see a Fiat getting major damage at rear,i think he was in triple digit speed when he hit your car.As said by Sat surprised to see how Santro guy ranned after banging your car's back,his car would have major work than your Punto's.I wish your car would have a speedy recovery.
  3. mchanna

    mchanna Superiore

    Messages:
    989
    Pune
    From pics it is evident that he had a bull bar, thats where he could able to escape.
    1 person likes this.
  4. GaganTakker

    GaganTakker Amatore

    Messages:
    177
    New Delhi
    View attachment 56895

    How does this come to 90k in addition to this and plastic is 50% metal would be 70-80% from insurance ?
  5. Dent is in three places in the rear cross-rail,if there was a bull bar it should have had dents at two points?
    Again bull bar wouldn't save the car in crash like this, he under-chassis would have got massive hit.
  6. mchanna

    mchanna Superiore

    Messages:
    989
    Pune
    Here is sample bull bar on santro which could cause the above damage.
    images.jpg


    This definitely saved Santro from the major frontal damage. I dont think this had caused any damage to the chasis.
  7. saurav

    saurav Amatore

    I don't know about the damages to the Santro, but i could see shatter glass pieces on the road where the impact happened.

    The total estimation (including parts & labor) is hovering around 90k. Insurance would contribute approx 15-20% for metal parts and 50% for plastic. The paint job would also attract a depreciation and hence my co-payer liability would be approx 12.5%.

    Additionally, they would only reimburse 1000 INR towards towing charges within city limits (1500 INR in case of out-of-city).
  8. mchanna

    mchanna Superiore

    Messages:
    989
    Pune
    Saurav, which insurance you have? why it is only 15-20% for metal?
  9. shams

    shams Esperto

    Messages:
    2,388
    Bangalore
    i guess 15-20% is saurav's share. might have mentioned by mistake.

    its HDFC Ergo.
    Last edited: Dec 24, 2013
  10. saurav

    saurav Amatore

    I have an HDFC Ergo insurance policy. As per the policy documentation, in case of damages, % depreciation applicable on metal parts for vehicles aged 2-3yrs is 15%. So, as I understand this would be my co-payer liability.

    Attached is the policy documentation. Please suggest, if my understanding is wrong.

    View attachment PrivateCarPolicyWording.pdf

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