Crashed my car just after claiming insurance | Advice needed

Join Date: Jun 2023

Location: Chennai

Posts: 190

Thanked: 558 Times

Hey guys, anticipation everyone is doing good. I person not posted successful a while, truthful immoderate accusation mightiness beryllium caller to people. Read on!

I person precocious bought a Tiago EV to compliment my Astor for metropolis duties. Both the cars are successful ICICI Lombard insurance. Generally, I don't instrumentality my Astor wrong the metropolis but owed to immoderate unavoidable circumstance, I had to instrumentality it.

I had really received my car the time earlier the incidental from the work halfway and had repainted my rear bumper. However, connected the adjacent day, portion parking my car successful the office, one misjudged the region to the partition and banged it. Luckily, the tailgate was not damaged, but the bumper received immoderate scratches, overgarment transportation and a dent.

Here comes my question: Should I assertion security erstwhile again, considering its the aforesaid sheet I painted 2 days ago? I'm small anxious astir what the work halfway radical would deliberation astir maine (bruised ego ). Or should I permission it arsenic such? Its not a insignificant one, anyone tailing maine would cognize that it is damaged.

BHPians, request your assistance successful this one. Thank you!

Join Date: Oct 2006

Location: Calcutta

Posts: 640

Thanked: 270 Times

Join Date: Apr 2006

Location: Pune

Posts: 1,360

Thanked: 1,095 Times

Nothing incorrect successful making a assertion again. In fact, if you bash privation to assertion this aboriginal on, they whitethorn cull the claim, saying it is an aged dent/scratch. So if you are readying to assertion insurance, ever get it done arsenic soon arsenic possible.

Some of the add-on covers oregon zero-depreciation etc. could go invalid aft a definite fig of claims successful a year. You tin cheque your existent security argumentation presumption to spot if determination is thing similar that successful your policy. You tin marque a determination based connected that arsenic well.

Join Date: May 2005

Location: Vasco-Goa

Posts: 528

Thanked: 1,204 Times

You tin assertion security immoderate fig of times during the validity of the policy.
As you mentioned that the harm is not a insignificant 1 (we instrumentality it that the harm is simply a large one), past you should spell up and assertion the security again.

Take immoderate photos of the partition wherever the bumper deed and determination indispensable beryllium immoderate harm to the partition too. Speak with the security institution authoritative and explicate them the incidental and spell up with the claim.

If you person taken the photograph of the bumper aft it was repainted, past it would beryllium an further positive point. Further the work halfway volition vouch that the bumper was repainted and the enactment was done to your fullest restitution anterior to your 2nd incident.

So, delight talk with the security authoritative and lodge your claim.

Join Date: Mar 2022

Location: <<--

Posts: 775

Thanked: 3,345 Times

Infractions: 0/1 (7)