A neighbor damages my brand new Baleno: should I claim insurance or not?
I really liked the 2022 Baleno and canceled my Kia Carens Premium 1.5 NA petrol reservation to opt for Baleno Sigma.
BHPian Heavy Duty recently shared this with other enthusiasts.
Hello everyone, I’m a BHP noob and this is my first post. Hope this helps potential buyers.
I really liked the 2022 Baleno and canceled my Kia Carens Premium 1.5 NA petrol reservation to opt for Baleno Sigma. This was going to be my first car that I buy with my own hard earned cash. I didn’t want a fully loaded variant and Sigma with accessories worth 50k was enough and affordable for me without financing the car. I was delivered on March 25, Friday.
It’s been 4 days, I was about to leave for my office when I noticed something, the left mirror cover was broken, upon further inspection I discovered there was a dent on the door, window bezel just below a pillar. I inquired with my neighbors and discovered that one of my neighbors had dropped his Rasika cooler on my car while unloading it from a Tata van.
The bad news is obviously the unfortunate accident, but the good news is that a pillar is in good condition, just scuffed. I will take the car to the dealership and see what my options are.
I need some advice, should I go for the insurance cover and keep 10k from my neighbor who will kill my NCB or just give him the bill?
Also, do I have to change the whole door? What is your experience with paint matching and quality at Nexa dealerships?
Here is what BHPian Leoshashi should say about it:
First of all, congratulations on your new car. Incidents like these happen, but they are surely painful. Take an estimate from NEXA, but make sure they don’t change your door for those minor damages. The replaced door will NOT be the same as the original factory door. Explained here (My First Car: 2020 Maruti Suzuki XL6 Alpha MT Review) when I had to sustain almost similar damage.
In my opinion they will give you an estimate of around 6k and you should hand the bill to your neighbor. Do not change the mirror assembly, only its cover is available.
Here is what BHPian Chetan_Rao should say about it:
From the photos, the damage looks fortunately cosmetic.
Only the mirror cover seems broken and should be replaceable as a child part. It doesn’t appear to be the electric type with integrated turn signals so shouldn’t cost much even if you replace the whole unit (in case any clips/brackets for the top cowl are broken).
The damage to the door looks repairable with a few dents and repainting.
It doesn’t look like it will be a big bill overall. Let your neighbor cover it, if so agreed. No need to purchase insurance unless it’s a big expense.
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