Insurance claim on car accident and NCB explained by Bharat Ghunawat
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- Опубликовано: 4 окт 2024
- Follow me on Instagram: / bgmbharat
this video explain about the car insurance claim and car damage which can be claimed upon accident. it also explained the No claim Bonus how much it is and when should be claimed not claimed.
सर् आपके द्वारा दिये गए इनफार्मेशन से बहुत हेल्प हुआ है।
Thanks bhai as a beginner bohat information mili aapse
Sir aisa kuch nai hai ke L side consider hota hai.
Bas apke pass valid answer hona chaihae fir chahe kitne be side ho.
Aur sir minor damage kabi be next insurance me cover nai hota usko seperate karwana padta hai
Gaddi accident wali location pe insurance walo ko bulana hoga ya gaddi direct service center le jaa skte hai
Agency m gadi lgado bhai wahin pe cover ho jata h sab kisi ku bulane ki jarurat ni hoti
Bhai tysm apki video ne mere doubt clear kr diye🙏
Sir mera 2 wheels h vo jhgde me damage hua to.uska kya krna pdega bata skte ho sir
Mere altroz ka bumper me bamboo se ragadne ke karan driver side me deep scratches hai to eske liye insurance claim karna faydemand hoga ya nhi. Saath hi body me kuch dent v repair karwana hai.
My car is 4 year old..so after 5 years I will not get bumper to bumper insurance..so whatever work I have on bumper and related parts it's good to claim it in the 5th year right?? Because from 6th year I will not be able to claim for bumper and related parts ...so that was my question...do I need to keep in mind NCB ??
You get bumper to bumper insurance even after 5 years.
@@vageeshyadav9590 First estimation
1. FRONT BUMPER ASSY
2. FRONT BUMPER TOWING CAP
3. FRONT BUMPER HLDERS
4. RH HEAD LIGHT ASSY
5. HOOD ASSY
6. FR BUMPER UPPER GRILL WITH CHROME
7. FRONT BUMPER DUCTS ASSY
8. FRONT BUMPER MEMBER ASSY SUPPORT GRILL
9. RH FENDER CLADDING
10. TWO WAY TAP
11.CLIPS
Total 80,000/-
VEHICLE AFTER DISMANTLING:
|| Accidental supplimentary estimation
1. HEAD LIGHT PANEL ASSEY
2. BONET HONGES
3. ENGINE DUST COVER
4. INNER ARMATURE BUMPER
5. RADIATOR ASSY
6. CONDENSER ASSY
7. AC GAS
8. O-RING AND VALVE PIN
9. COMPRESSOR OIL
Total 56,000/-
Does
Comprehensive insurance conver above listed items??
Please reply sir
Car age one month bought this Month only
If your claim amount is more than 5000 you should claim in insurance, if claim amount is less than 5000 you should not claim in insurance
Good information bhai.
Good Job 👍👍👍👍
Sir car ka 1 year full insourance h or front wala mirror pr truck se uchal kr stone ki lag jana se mirror thora crack ho jata h
kya company isa change kr ka dagi.........??
Please reply me.........
Claim h jega
Alloy Wheel insurance m claim kiya ja sakta hai kya??
Agar accessories insurance m covered h to claim file skta h
Tiago nrg 2019 tail light foot gyi ek.. Toh insurance lu? Ya nhi? 2500rs ki light h
2019 dec ko first od insurance already ek bar claim kr chuka.. Bcz 12k ka khrcha tha
Ab light 2500 deke lgvau ya insurance lu..
Insurance lene ke lose kya honge
Sir,mujhe Maruti Suzuki insurance ne no claim bonus Nahi Diya...
Showroom jaa kr maar karo
Can we claim insurence in absence of owner as he is in another country ?????
Yes you can claim, sign of insured person is required on documentation
Nice explanation
Shall we have to pay insurance or all is done by them
Sir mere pas baleno he mene uska 2018 me clam lia tha ek accident me uske bad waps kabi bhi ni lia to muje kese pta chalega ye no clam bonus mil rha he and sir zero depth only 2 bar hi hota he yar har insurance par 2 bar milta he
Bhai ji agar zero dep pr 1 baar claim le liye to dubara insurance policy bhi zero dep benegi kya or kya dubara gaadi ko kuchh ho jata h to company insurance claim dene mein diktat nhi krti kya
Zero dep claim per dependent nhi h, kuch companies 2 claim deti h zero dep k yearly
Is IDV value of Car decrease after Insurance claim ?
No
@@mayankshekhar2545 First estimation
1. FRONT BUMPER ASSY
2. FRONT BUMPER TOWING CAP
3. FRONT BUMPER HLDERS
4. RH HEAD LIGHT ASSY
5. HOOD ASSY
6. FR BUMPER UPPER GRILL WITH CHROME
7. FRONT BUMPER DUCTS ASSY
8. FRONT BUMPER MEMBER ASSY SUPPORT GRILL
9. RH FENDER CLADDING
10. TWO WAY TAP
11.CLIPS
Total 80,000/-
VEHICLE AFTER DISMANTLING:
|| Accidental supplimentary estimation
1. HEAD LIGHT PANEL ASSEY
2. BONET HONGES
3. ENGINE DUST COVER
4. INNER ARMATURE BUMPER
5. RADIATOR ASSY
6. CONDENSER ASSY
7. AC GAS
8. O-RING AND VALVE PIN
9. COMPRESSOR OIL
Total 56,000/-
Does
Comprehensive insurance conver above listed items??
Please reply sir
Car age one month bought this Month only
@@saikumarsingoi7189 AC Gas, Compressor oil and coolant will not be covered in comprehensive insurance...rest will be covered. Since car is 1 month old, till 6 months we get 0 dep even in comprehensive insurance so all covered. But in new car you should get zero dep insurance....till 6 years it is provided. For AC gas, coolant and other consumables, you need consumables cover otherwise you need to pay.
By the way, which car? And how did the accident take place? Is everyone safe?
@@mayankshekhar2545 Nissan kicks is the car sir
Accident done while self driving
My brother hit the wall while taking car out of parking area
@@saikumarsingoi7189 oh new driver. Anyhow let it be....it will be covered...but I am sad for you...new car got hit
Venue idv value 735000 hai
Gadi puri damage pr refund kya milega
Agar accident kai baar hua hai toh, claim sabke liye ek saath kar sakte hain kya, last accident ke baad
1 time 1 claim
Good information sir
ग़ज़ब 👍 👍 👍 thanks for sharing 🙏 🙏
Ek baat batana insurance Lena chahiye yaan market se karvana chahiye kuch log kehte hain chhote kaam ke liye baar baar insurance claim nahi lena chahiye. Baad main insurance Wale jyade paise lenge insurance renewal ke . Kya yeh sach hai ?
Rear bumper change karne me kuch amount claim me dene se mana kar rahe hai jaise ki bolt, screw , holder, adhesive, masking tape, clip ye sab chizo ka. Esa kuch hota hai kya please reply
Very informative video..
total loss car ka estimate charge kitna lagta hai
NCB milne kelie kya NCB add on lena padta hai?
Nope. You get the NCB by default if you don't register any claim
Hum Kolkata sai Anirban, humari Maa car ki owner hai hum uska son hamari driving license hai claim karnake somoy koi problem create ho sakti hai?
नो प्रॉब्लम .
how to check car claim is used
Meri car k sath b aisa hi hua tha scorpiyo wala side se uda le gya tha
Thank you bhai very important information 😊
Mera idv tha 3lakh...
Accident के बाद insurance claim 2.5 लाख का कर लिया...
Uske baad next time me mujhe 3 lakh tak का मिलेगा cover या 50k का??
Hi one question, if i hit someone's car, and i am ready to pay the charges, however the person wants me to pay him full charge and not willing to claim insurance, is it right legally?
No
The person who claims insurance loses No claim bonus. Hence effectively it’s a loss.
@@samthomas1634 First estimation
1. FRONT BUMPER ASSY
2. FRONT BUMPER TOWING CAP
3. FRONT BUMPER HLDERS
4. RH HEAD LIGHT ASSY
5. HOOD ASSY
6. FR BUMPER UPPER GRILL WITH CHROME
7. FRONT BUMPER DUCTS ASSY
8. FRONT BUMPER MEMBER ASSY SUPPORT GRILL
9. RH FENDER CLADDING
10. TWO WAY TAP
11.CLIPS
Total 80,000/-
VEHICLE AFTER DISMANTLING:
|| Accidental supplimentary estimation
1. HEAD LIGHT PANEL ASSEY
2. BONET HONGES
3. ENGINE DUST COVER
4. INNER ARMATURE BUMPER
5. RADIATOR ASSY
6. CONDENSER ASSY
7. AC GAS
8. O-RING AND VALVE PIN
9. COMPRESSOR OIL
Total 56,000/-
Does
Comprehensive insurance conver above listed items??
Please reply sir
Car age one month bought this Month only
@@samthomas1634 what is no claim bonus
@@nuclear9977 ncb jo 2 -3000 milta hai agar insurance claim na krein.
Indeed informative video. Thanks
NCB certificate le kar new gadi lene par benifit milega ya fir second hand lene par bhi use ho jaayega
New per milega second hand per nahi
Kya sir truck mebhi milengi
Good information bro, thank you😊
Bro maine honda amaze ek claim liya tha..ab dusri premiums jama karni hai 14000 renew showrom se karwau ya on line kud se karu
Muja call kar lo 9312412216
Sir I am very found or ur vlogs and fan of urs. Can u tel me sir which is better for mielage city 32km or highway 40km
City 32
@@BharatGhunawat thanku sir
Buy pulsar 150
Sir maine nayi car li hai aur maine 3 saal ka 0 depth insurance karwaya hai to main kitna baar claim kar sakta hu
Same question?? How many time I can get my car repaired in zero dept for 1 year do it come with unlimited repair for one year ??
Kisi dusri gadi ne agar takkar mari ho to car me to kya claim ke liye FIR karna padta hai kya bhai?
bhai unknown reason & person se agar appartment ki parking me gaadi koi damage kar jae to kese claim hoga ?
Any cctv footage available h kya
same question
Good question I will make video on this topic
bhai meri figo car hai 2014
maine tab se koi insurance nhi uthaya hai..
problem hai hai ki car har taraf se chote mote damage.scratch lage huy hai.
aab insurance ka kya use hai
parking damage penalty + car insurance + the one who hit my car = money 💰
Bhai....NCB keval basic OD premium pe milegta hai. Add on pe nahi. So aapka NCB count hoga only on OD premium pe(which I assume is max 9000). So you will be getting 20%of 9000=1800.
Sorry' but there is no matter of add on for ncb you can take any add on and get ncb
Bhaisab exchange kab krte hai claim wale kis condition me krte hai
Sir app meri creta car ko back ligh tut gai h accident se or no plate k paas dant b aaya h bt insurance company claim kyu nhi de rhi h
Plzz rply sir immediately
भाई जी कृपया मेरी समस्या का समाधान के दीजिए, मैंने 10 महीने पहिले 02 जनवरी 2020 को नई ecosport खरीदी थी, अभी कुछ दिन पहले एक मित्र ने गाड़ी को आगे से एक राड में ठोक दिया जिससे फ्रंट प्लास्टिक का बंपर टूट गया और अंदर वासर टैंक फट गया था और सारा पानी तुरंत बह गया था, भाई जी गाड़ी ज्यादा चलती नही है और अब नया इंश्योरेंस कराने का समय आ रहा तो मै कार का क्लेम अभी लूं या नया इंश्योरेंस हो जाने के बाद कृपया बताएं जो फायदेमंद रास्ता है plz
Abhi kro
@@BharatGhunawat thanx bhiaya
Mera no claim 50% he...or me gadi bech deta hu to samne wale ko 50% milegi k nai?
If you purchase a new vehicle you can get that 50% but not another person
Very well explained
मेरा अभी ५०% NCB चल रहा है . अगर इस साल मैं कुछभी क्लेम करु तो अगले साल NCB जीरों हो जावेगा क्या ?
Bhai mera swift vxi ka side glass ki niche wali black plate or indicator ka glass crek ho giya hai, waise New side glass 6000+ hai, main kiya karu claim lu ke nahi?
Sir kitne dino ke baad 2nd claim kr shkte h
After repairing is done of first claim
Sir, DL per mare name ki spelling different from car papers kya claim mil jayga ?
Written clarification dena hoga uske bad claim decide hoga
Bhai meri gadi total loss me hai
Aur gadi pe loan kiya hai
Please batao kya kare
Aur insurance vale bol rahe hai ki
Loan clear karo tabi gadi ka
Paisa milega aur gadi ka loan
550000 lakh hai to kya kare
Gadi renult triber rxt model tha
Learning licence lgane pr Clem milega bhai ya nhi
Learning license ki terms and conditions fulfill honi chahiye claim mil jega
Meri galti se car left side pole se hit ho gyi hai damage jada h kya mujhse insurance claim milega
Sir front bumper per crack h, headlight k niche, can get claim for this
Liya aapne claim bro.
5 sal purani car hai har sal insurance fees bharta hu 15000 Ka , abtak ek bar b claim nhi Kiya , hai aur ab Mai 5 sal bad first claim karta hu to muje Kitna claim milega
Mene car 🚗 2015 m li ,,,ab b pura claim mil skta h kya
What if 6 person are sitting in car and accident occurs because of animal on road......
It depends on seating capacity of car(written in rc)
Sir mera car grand i10 hai aur axident hua piche se pikup ne takkar mari jo ki aage me v chhati hui maine to ajensi me bol rha hai ki 2sra clim me piche ka bumper pass hoga kya karu sir plzzz help me
Sir agar zero depth expire ho gya h third party se car repair ho sakti h kya yr after market hi karani padegi
Third party means only third party will be cover and owner driver cover . car will not be cover
Sir Alto 10 year purani hai to uska full insurance karva ke left ke 2 door damage ho gay hai to Kaya uska kitna expenses ahe ga or insurance main claim hoga ya nahi?
I think no
Did the insurance company tell you file a FIR against that Bike driver for claiming the insurance?
No need to file an FIR
Nice information sir👨💻
Agar first year claim kre and second year claim na kre to aage NCB add hoga ? Mtlb second year claim na kre to third year mein second year ka koi NCB milega
Ji haan milega
@@BharatGhunawat aaage aage plus hota jyega
Haan
Meri gadi m scratches h ...kya me claim kru
Bhai ek saval h jese ki mere XL6 h usme khadi car m piche s maar gya or jb m usse 0 debt claim k lye gya toh vo kh rhe th ki agr aap abhi claim krte ho toh 0 debt m hojayega but aap jb renew kraoge toh jo 11k ka insurance vo apko 15k ka hoga toh sir claim ka charge add ho rha h toh krwana shi h ya nhi
Claim ka charge koi add nhi kar sakta next insurance meh.
Sir meri vento gaddi 2-3 din accident ho gyi hai. Sir es k liye koi fir krna jruri hai.. Kya claim ke liye insurance walo ko accident wali place pe hi gaddi park kr k pic khichi hogi ya gaddi agr chalti ho to ghar le jaa skte hai or 1-2 din baad insurance walo ko bta skte hai.. Ya direct service center le jae
Accident hone per claim intimate kro toll free no. Per jis company Ka insurance h
Bhai j kassa check krr skta kii gaddi na insurance claim liya ha ja nhii
Dealership of that specific can tell you
Sir, nayi gadi mein insurance company kitne saalo tak zero dep policy deti hai?
One year
And third party policy for 3 years
Maruti insurance le ya SBI ka insurance
Depends on your requirements
Bro plz tell agr insurance renew k time hum ye na btaye ki hmne claim liya hai to uska koi future disadvantage hai in future if yes to plz btao...
pkde jane pe payment deni hogi... aur company ko pta hai ki aapne claim liya h ya ni...
Company sabse pehle number punch karti h, claim dete hi to wo gaadi la number dalenge or information mil jaegi
maruti refuse to claim insurance after hailstone on beleno because of delay in claim
Which insurance company?
Sir मेरे पास swift dzire vdi 2016 model car है जो jan 20 में दुर्घटनग्रस्त हो गई थी जिसे service center में ठीक कराया जिसका बीमा zeero dep है कुल खर्च 126000/रू हुआ परन्तु बीमा कंपनी ने केवल76000/रू रिटर्न किया है 50000/कटौती क्या सही है या सर्विस सेंटर वाला fraud किया है उचित सलाह दे ने कि कृपा करें
Contact customer care number 786 5015 400
अगर मैंने पहली साल क्लेम ले लिया दूसरी साल कोई एक्सीडेंट नहीं हुआ है तो क्या NCB मिलेगा
Yes
mere bajume farming me cow palan kar te haine or cow bar bar car co damage karti haine or mene bar bar kaha ki app farming ki bounty karlo lekin nahi man raha to kon responcible haine or bar bar car me damege fix karane ke paise kon dega mere pac cctv ka video bhi haine
Sir maine meri car ka claim liya tha usme front bumper aur fender repair krke de diya change nhi kiye aur bill new ka bna hua h
Front bumper me niche se jese k tese bade bde scratches hai... Main kya kru sir🙏🙏🙏
Call me for best insurance policy I will provide you cashless facility and our claim assistance team
Maan lijiye mene 1st year me insurance claim kar di aur muzhe ncb nehi mila.
But 2nd year me mene koi bhi insurance claim nehi ki....toh muzhe second year me ncb milega?
Yes
Humko insurance karna kya sikhana hai Sahab Humko Bata dijiye
Agr road pr achanak gaay ke aane pr vehicle uncontrolled ho ke pole se hit ho gyee aur damage ho gyee. Claims milega ya nhi ??? Please reply
Yes, it will be paid.
Main MP se hu. Mene ek dealer se second hand car purchase ki hai lekin delhi ki number plate hai. Car ko abhi tak MP me transfer nahi karwaya hai. Ye abhi bhi previous owner ke naam pe registered hai. Dealer ne mujhe sirf car purchase ka sell letter diya hai aur kaha ki isi sell letter se main apne naam se car insurance karwa sakta hu. Lekin mujhe samajh nahi aa raha ki insurance karwau kese? Any online method available?
Rto m dalna pdega vahan se jo receipt milegi usse insurance ho jayega
Agar gaadi ka service record nhi rakha h, lekin timely service karwaii h, to kya accident k case m insurance claim nhi milega?
Most probably milega. Kuch insurance companies apne terms mein daal sakte hain. Toh check karke insurance lo.
Is it necessary to claim on same day
Nhi Bhai aisa nhi hai ap jab chahhe tab claim kr skte ho
Inform as soon as possible to insurance company
I got NCB in my current insurance premium after some days I had an accident. But at the time of inspection insurance company found that I have taken a claim against accidental damages in my previous insurance term. And insurance company send me a letter to let me know about my invalid NCB after the inspection of my accidental car.
So what gonna happen now?
Will I get claim or not?
Yes
Yes
Insurance pe kitna rupeeya gaya tha?
Bhut nice video
Sir aap se advice Lena chahte he lockdown me kya kre
Sir I'm third owner ,can I claim insurance,we have bumper to bumper insurance to our car,pls rplyy
If u have insurance then u can claim
Vehicle should be in your name according to documents
Sir mere nayi wangr h ..
Uske dono door fat gya h
Jiska kharcha 8000 aa raha h ..
Kya mujhe car claim m deni chahiye
Sir please reply ??
bs6 petol kharid li hai maine cng lagvayi hai rc book athorice nahi hai acident hone pe to muje konsa cleim mil sakta hai
Endorsement required in documents
Bhai meri New Car h kharab ho gyi kya muje New Car cliam karne ka tarika bataiye ki muje New Car mil jaye
1 yers me kitna clame mil sakta h
Sir if i claim my insurance on 1st year and after that i didn't claim my insurance for 2 to 3years then kya NCB 0%he rhegi ya baad mai bdee gi
Badhega
@@gamingwitharghya1589 pta kaise chlega ki abhi hmara kitna NCB h
Ncb milega
20%
25%
35%
45%
50%
According to years
Sir i got a long scratch and dent on front and rear door of left side also bumper and quater panel v damage ho gya... Bcoz mera bhai learn kr rha h.kya mai 1 month k baad claim kr skta hu....taaki agr aur koi damage ho to wo v cover ho jaae??
rusting aa gai damage m to no claim m ho jaega... old damage p claim nahi milta... 7 days k under m intimate krna hota hai
Sir meri gadhi ka accident ho gaya tha..usme 3 saal ka mobility insurance tha..mujhe laga uske damage wala h hoga..pr abhi dealer keh raha tha ki aapko paid hi krwani hogi.. toh kya ab mujhe koi b claim nhi mil sakta??
Third party policy sirf 3 Sal ke liye hoti Hai aur apko own ka cover to renewal karwana padega uske bad hi Aap claim le sakte hain
Own damage covers accidental damage
Bhai Swift DZire h mere pas toh bike wale ne piche se mar di toh side wali light break ho gyi or bumber ke nakke Nikal gye or thoda sa break ho gya bumber toh kya karu clam lu ya nhi 4 sal hone wale car ko or next month insurance renuie karwana h
File a claim according to your requirements
That big tree 🌳 behind look cool.