My ford figo was flood affected during 2015 and it took 6 months to repair it. After servicing also the car was performing smoothly for many years. So we must stop undervaluing flood affected cars. The agony of ownership is doubled in second hand Market which is completely a false narrative. I have seen many used car owners struggling with their cars/being cheated even after doing a enormous PDI checks. Whereas the original owners of flood affected cars do a panic selling of their cars and they do not realize that the flood affected cars covered in insurance is much much worthy than the non-flood affected cars. Infact, a 5 year old flood affected car serviced through insurance is as brand new than non-flood affected. Myths and misconceptions of flood affected cars in second hand car market should be busted.
Birla bro . I'm long term follower of your channel ... Please do video and explain about why oil or smoke come out from dipstick. In car . What's the problem , caused because of , what we change can be avoided . Please make video about it ....
Sir, in this situation how good it is to buy used cars? How to identify if it is a flood affected car? Or pls post a video regarding this topic. Thanks
Flood Car Category A B C D explanation is right What are the categories for flood cars? There are 3 categories, Category A: Vehicle submerged up to floor level. Category B: Vehicle submerged up to seat level. Category C: Water level above dashboard.
Thanks for such a detailed explanation on flood impacted car claim process. My car as well impacted in flood in the same area where you shot this video. My vehicle was towed by MyTVS for repair and they gave the estimate over idv value, so my insurance company said this would be considered as Total loss vehicle. One quick question, whether garage will charge any amount from me for lifting the vehicle from their garage for handing over the vehicle to insurance for totall loss settlement ? I highly appreciate if you could assist here. Thanks !
If we go with insurance claim successfully will the authorized service center void any existing warranty on the car since they mark their records on service with flood affected?
Kindly share more details about return to invoice / new vehucle replacement add ons in insurance . Does it give complete refund of the car which equal to value of new car??
For Driving school, any special clause to be applied for insurance? Bcaz those car need an addition set of control pedals for clutch and brake for tutor ti control...any idea for you?
Hello all, enaku oru sandhegam, namma car ah veliya garage la kuduthu ready panrom apdina...should we procure parts and accessories with gst bill or the garage with gst registration will do the needful. Yarachum info therinja sollunga.claim epdi settle aagum..
Is it recommended to use flooded car? or shall I go for Total loss and get the IDV amount ? My concern is if my car is ready, futuristic it will create some problems. Please suggest me what is the best advice
Sir, am in Thoothukudi badly affected by last month's floods. I booked with the showroom 10 days ago to buy a white new car. They said it would take four months. I also said yes and came back. Now three days ago they contacted me through phone and said that the next varient is available. I said yes too. They said they would give it in ten days. Yesterday I called and said I don't want white and want blue. They said it will take four months. But Called 2 hrs later and they say blue is available and can be delivered in ten days. It's confusing. Need your advice sir.
I bought baleno delta at may 2023? Now at south zone flood mu car get affected type B category, in my insurance copy there mentioned as vehicle replacement Can you explain about vehicle replacement
Thanks for the details sir. Whether the IDV of the vehicle reduces post impact by flood? I understand that IDV reduces by 10% every year. Is there any further depreciation due to flood impact on top of it?
Hi Sir... My Nissan Magnite non turbo car got affected in flood till gear lever level. I bought this car on July'2023. As u said, if insurance declared my car as Total loss.. i will get only 7.5L which is IDV value. But it is a loss to me.. Since i paid 9L onroad cost. What i need to in this case? I bought extended warranty & Gold service from Nissan. The tax & other amounts which i paid could be loss. If i buy new Magnite car again i need to pay all the taxes😢😢😢
Bad thing is no one know about Return to Invoice add on. While buying car these showroom sales persons is not including that RTI add on. But they ask us to take insurance in their showroom only.
Sir.. need urgent help on insurance... we have a 2 year old baleno.. 2021 model... however affected in nellai floods.. only problem is we have put online insurance and idv value is only 3.28 lacs.. we missed that part.. now imsuance company suggest for total.loss or they will give only 40 % of idv .. please suggest how to get maximum amount.. we want the vehicle.. so repairing is what we are looking for.. not giving away our vehicle
Nice video sir. For categories you mentioned is same for all insurance companies? Then kindly tell me if the car has affected at category 'C' reflected in car history and whether resale cost of car is considerably reduced?
Based on the impact.. affected spared parts will be replaced. You can show the repair history to buyers at the time of resale. If C, they can understand its not a major impact.
Hi Birla sir, I have 5.6 yrs old Alto car and it got affected in flood from Velachery and insurance has declared total loss and I need your help to give the car in authorised service centre for Maruti so that i can reduce my repair cost of the car.
If we claim insurance for my car because of flooding. This will reflect in my car history as a flooded car or not? This will affect my car's resale value? Pls respond if known sir
Sir, i have given my car for self motor issue before the flood in chennai and my car was affected with D category by the flood in the service centre when i checked with the service centre they said they have removed the seats and floor mat for drying I have engine protect with my insurance Should i ask the centre to get it cleared with my insurance or the service centre should take full responsibility for my car's damage and rectify it by themselves Please advise
Hi sir. My new car which is less than 1 year is declared total loss due to flood. But the insurance company is saying they will auction the Car and someone will buy from secondary market, then they will give some money and only rest will be covered by insurance company. Is this how insurance works sir ?
Hi Vijay and Brilla bro, I given my car to showroom for service before flood but company not able to delivery before flood. So now my car affected by flood and category at C level. Company assured they will be take care of everything from company insurance. But my question is once they rectified all issues can I get my car as like back like reliability, comfort? Everything can I get same from original? Also is my car marked as flood in car history?Is affect my car resell value? I need a valuable feedback from your end.
Hi actually our car was flooded with category C but insurance companies sent for category A. When we call them they are saying category A is foot rest level water they changed in this year Please clarify
ஐயா வணக்கம் என்னோட கார் b2b ல (5 வருடம்)தான் இருக்கு நான் எதனா ஒரு கிளைம் போனா முன் பாகம் பண்ணா பின் பாகம் பண்ண முடியாது சொல்றாங்க உண்மைதானா இல்ல அது கிளைம் பண்றது எப்படி பண்ணுவது
Hello Sir my car is flood affected and i have left it in garage for repair. I have ZD insurance and would like to know what basis i can ask for spare replacement. Can spare replacement can be done only for totally damaged parts or also for repairable parts
So i cant force the surveyor to replace the repairable spares? My brake pad is rusted and surveyor asked to clean/repair it . Can i ask for brake pad replacement
Hi Sir, We have already booked a Skoda Slavia and waiting for registration. Showroom confirmed that our car is not damaged but we still have doubts Is there any way that we can confirm that our car is not damaged
Hi Sir my car is affected by the flood. It's been a 1.7 year old car still under an extended warranty period and I handover the car to the Authorised service centre. Now they're asking to choose paid service or insurance. I am confused. How to contact you sir I will pay you the consolation fee paid service : 33 to 45 k estimation
Hi Sir, I need your assistance. My car is declared as total loss. Will I get full IDV value as mentioned in the policy. I have bumper to bumper policy and my car is 2020 model.
I have a zero depreciation insurance plan, and as per assessment and repair estimation it looks like it will be considered as a total loss - will zero depreciation work here? like will I get back IDV mentioned? @vj_guideauto please reply
![Megan Thee Stallion - Roc Steady (feat. Flo Milli) [Official Video]](http://i.ytimg.com/vi/HozPPyqW0dY/mqdefault.jpg)
பிர்லா சார் வணக்கம். தலைப்பில் சின்ன திருத்தம் செய்யவும் பெருவது இல்லை பெறுவது என்று மாற்றம் செய்யவும் நன்றி.
After long time we got our old birla back from voice to customer centric content. ❤
Good informative video for those who are in confusion of their own flood affected car. Just go for RSA if your car is under warranty period.
Very useful.thanks,congrats and appreciations.vazhga valamudan!!
My ford figo was flood affected during 2015 and it took 6 months to repair it. After servicing also the car was performing smoothly for many years. So we must stop undervaluing flood affected cars. The agony of ownership is doubled in second hand Market which is completely a false narrative.
I have seen many used car owners struggling with their cars/being cheated even after doing a enormous PDI checks. Whereas the original owners of flood affected cars do a panic selling of their cars and they do not realize that the flood affected cars covered in insurance is much much worthy than the non-flood affected cars. Infact, a 5 year old flood affected car serviced through insurance is as brand new than non-flood affected. Myths and misconceptions of flood affected cars in second hand car market should be busted.
I get the point. Most parts are replaced so they must be new.
Hi brother, which are all the parts they are replacing when we claim an insurance?
@@bavarayyan2036 my car tuv300 has been totalled and I have to wait until the scrap is done to get the IDV. This seems like a cheating..
Well said brother..
Birla bro .
I'm long term follower of your channel ...
Please do video and explain about
why oil or smoke come out from dipstick. In car .
What's the problem , caused because of , what we change can be avoided .
Please make video about it ....
Sir, in this situation how good it is to buy used cars? How to identify if it is a flood affected car? Or pls post a video regarding this topic. Thanks
Sir pls make your next video quickly How to find flood affected new cars while take delivery
Flood Car Category A B C D explanation is right
What are the categories for flood cars?
There are 3 categories, Category A: Vehicle submerged up to floor level. Category B: Vehicle submerged up to seat level. Category C: Water level above dashboard.
ABCD categories you mentioned opposite, or may be service centers are telling reverse , confused 😊
Ok sir nice Information thanks team birla
Very informative bro. Thank you 👍
Very valuable and useful content
Thanks for such a detailed explanation on flood impacted car claim process.
My car as well impacted in flood in the same area where you shot this video. My vehicle was towed by MyTVS for repair and they gave the estimate over idv value, so my insurance company said this would be considered as Total loss vehicle.
One quick question, whether garage will charge any amount from me for lifting the vehicle from their garage for handing over the vehicle to insurance for totall loss settlement ?
I highly appreciate if you could assist here.
Thanks !
Sir, did you get the amount? Is it total amount of car?
Totel lass யார் முடிவு செய்ய முடியும் கம்பெனியா? இன்சூரன்ஸ்ஸா? பதில் சொல்லவும் நண்பரே...
P.D.I pathi next solluga
If we go with insurance claim successfully will the authorized service center void any existing warranty on the car since they mark their records on service with flood affected?
Kindly share more details about return to invoice / new vehucle replacement add ons in insurance . Does it give complete refund of the car which equal to value of new car??
For Driving school, any special clause to be applied for insurance? Bcaz those car need an addition set of control pedals for clutch and brake for tutor ti control...any idea for you?
How much scrap value expected to my car affected in Tuticorin Flood. Level of the car affected was "B".
Fiat Linea 2009 model
Car weight may be 1250kg
Good one
Hello all, enaku oru sandhegam, namma car ah veliya garage la kuduthu ready panrom apdina...should we procure parts and accessories with gst bill or the garage with gst registration will do the needful. Yarachum info therinja sollunga.claim epdi settle aagum..
Is it recommended to use flooded car? or shall I go for Total loss and get the IDV amount ? My concern is if my car is ready, futuristic it will create some problems.
Please suggest me what is the best advice
Excellent information
Sir, am in Thoothukudi badly affected by last month's floods. I booked with the showroom 10 days ago to buy a white new car. They said it would take four months. I also said yes and came back. Now three days ago they contacted me through phone and said that the next varient is available. I said yes too. They said they would give it in ten days.
Yesterday I called and said I don't want white and want blue. They said it will take four months. But Called 2 hrs later and they say blue is available and can be delivered in ten days. It's confusing. Need your advice sir.
I bought baleno delta at may 2023? Now at south zone flood mu car get affected type B category, in my insurance copy there mentioned as vehicle replacement Can you explain about vehicle replacement
Thanks for the details sir. Whether the IDV of the vehicle reduces post impact by flood? I understand that IDV reduces by 10% every year. Is there any further depreciation due to flood impact on top of it?
Video lengtha commi pannuga...
Hi Sir... My Nissan Magnite non turbo car got affected in flood till gear lever level. I bought this car on July'2023. As u said, if insurance declared my car as Total loss.. i will get only 7.5L which is IDV value. But it is a loss to me.. Since i paid 9L onroad cost. What i need to in this case? I bought extended warranty & Gold service from Nissan. The tax & other amounts which i paid could be loss. If i buy new Magnite car again i need to pay all the taxes😢😢😢
Yes no other go.. if you have added RTI add-on in the insurance at the time of insurance. You will get 95% of the on road price.
Bad thing is no one know about Return to Invoice add on. While buying car these showroom sales persons is not including that RTI add on. But they ask us to take insurance in their showroom only.
Sir.. need urgent help on insurance... we have a 2 year old baleno.. 2021 model... however affected in nellai floods.. only problem is we have put online insurance and idv value is only 3.28 lacs.. we missed that part.. now imsuance company suggest for total.loss or they will give only 40 % of idv .. please suggest how to get maximum amount.. we want the vehicle.. so repairing is what we are looking for.. not giving away our vehicle
Super!
Sir, can we buy flood affected manual cars petrol varuant
Nice video sir. For categories you mentioned is same for all insurance companies? Then kindly tell me if the car has affected at category 'C' reflected in car history and whether resale cost of car is considerably reduced?
Based on the impact.. affected spared parts will be replaced. You can show the repair history to buyers at the time of resale. If C, they can understand its not a major impact.
@@vj_guideauto
Thanks bro
Hi Birla sir, I have 5.6 yrs old Alto car and it got affected in flood from Velachery and insurance has declared total loss and I need your help to give the car in authorised service centre for Maruti so that i can reduce my repair cost of the car.
Nice.
If we claim insurance for my car because of flooding. This will reflect in my car history as a flooded car or not? This will affect my car's resale value? Pls respond if known sir
Yes Sure it will be reflected. But It has both positive and negative sides based on the impact.
Sir, i have given my car for self motor issue before the flood in chennai and my car was affected with D category by the flood in the service centre when i checked with the service centre they said they have removed the seats and floor mat for drying
I have engine protect with my insurance
Should i ask the centre to get it cleared with my insurance or the service centre should take full responsibility for my car's damage and rectify it by themselves
Please advise
No need. If the water hasn't entered the engine
Hi sir. My new car which is less than 1 year is declared total loss due to flood. But the insurance company is saying they will auction the Car and someone will buy from secondary market, then they will give some money and only rest will be covered by insurance company. Is this how insurance works sir ?
The similar happens for mine as well but my car is more than 10 years old.
Sir t board car iku return to invoice cover akuma ilaya , flood cover akuma ilaya
Hi Vijay and Brilla bro, I given my car to showroom for service before flood but company not able to delivery before flood. So now my car affected by flood and category at C level. Company assured they will be take care of everything from company insurance. But my question is once they rectified all issues can I get my car as like back like reliability, comfort? Everything can I get same from original? Also is my car marked as flood in car history?Is affect my car resell value? I need a valuable feedback from your end.
C level impact doesn't lose the originality. Replaced parts will be recorded in vehicle history.
Hi actually our car was flooded with category C but insurance companies sent for category A.
When we call them they are saying category A is foot rest level water they changed in this year
Please clarify
ஐயா வணக்கம் என்னோட கார் b2b ல (5 வருடம்)தான் இருக்கு நான் எதனா ஒரு கிளைம் போனா முன் பாகம் பண்ணா பின் பாகம் பண்ண முடியாது சொல்றாங்க உண்மைதானா இல்ல அது கிளைம் பண்றது எப்படி பண்ணுவது
Unnmai dhan
Hello Sir my car is flood affected and i have left it in garage for repair. I have ZD insurance and would like to know what basis i can ask for spare replacement. Can spare replacement can be done only for totally damaged parts or also for repairable parts
All damaged parts will be replaced
So i cant force the surveyor to replace the repairable spares? My brake pad is rusted and surveyor asked to clean/repair it . Can i ask for brake pad replacement
@maryprincy8307 yes you can ask for it
Thank you sir
1st like🎉
Lost my car in workshop Flood
work shop not compensating.
You can claim from your insurance.
Sir quick question due to cyclone tree fallen on my car, I have bumper to bumper cover can I claim 100% . Please confirm.
Yes you can claim and repaired through insurance completely
80%
sir...r u giving driving classes?
Hi Sir, We have already booked a Skoda Slavia and waiting for registration. Showroom confirmed that our car is not damaged but we still have doubts Is there any way that we can confirm that our car is not damaged
Do PDI check
@@vj_guideautocontact number please
ரெண்டு பேரும் பேசிக்கிட்டே வீட்டுக்கு போய்ட்டீங்களா ரொம்ப தூரம் நடந்துட்டே இருக்கீங்க
Hi Sir my car is affected by the flood. It's been a 1.7 year old car still under an extended warranty period and I handover the car to the Authorised service centre. Now they're asking to choose paid service or insurance. I am confused. How to contact you sir I will pay you the consolation fee paid service : 33 to 45 k estimation
Go with Insurance
@@vj_guideauto if I choose insurance they told extended warranty won't applicable in future. is this fine sir?
Sir I need your assistance. my car 2022 model Tata altroz. Because of the extended warranty I got confused
No, bro. Insurance claims don't affect the warranty. Repairing outside and replacing parts will affect the warranty.
@@vj_guideauto thanks bro now am clear. I need one paid phone consultation.
Sir எந்க walking area ல shootings
Alandur court to Velachery railway station road
@@selvarajb3668 yes Redigton office opposite
Hi Bro
Hi Sir, I need your assistance. My car is declared as total loss. Will I get full IDV value as mentioned in the policy. I have bumper to bumper policy and my car is 2020 model.
You will get minimum 80 to 85% of IDV. Final amount differs between insurance brands.
He should get complete IDV amount is it?? Why only 80% , kindly clarify...
Yeah idv should be given full with 1000 deduction right
Abcd its wrong
Sir ur number pls for enquiry sir my car flood affect
I have a zero depreciation insurance plan, and as per assessment and repair estimation it looks like it will be considered as a total loss - will zero depreciation work here? like will I get back IDV mentioned? @vj_guideauto please reply