YESTERDAY, I was involved in a car accident for the first time when I collided with another 4×4. Unfortunately, mine was the only vehicle to sustain damages; the rear of the other 4×4 was built like the front of a tank and was barely scratched.
At the police station, nobody bothered to check that we were legal drivers. The tax vignette and road-worthiness of the vehicles were not verified either. It fell to us drivers to file the paperwork for the insurers to arrange for compensation.
I took the car for inspection this morning, and it appears that not much is broken after all. Now, on to sort out things with Mauritius Union, which may not be as straightforward judging from Avinash’s experience.
ti bisin defonce loto pou couvert xs..:)
mauritius union? again?
LOL ! Good Luck!
A think this is part of the Mauritian culture :-) However, in the long run, it contributes to the high cost of insurance premium by creating a vicious cycle. That being said, insurance companies do make a lot of profit.
Eddy: Glad to hear that nothing serious happened.
U think this is only mauritian culture???
True.. Insurance companies via their motor surveyors do make a lot of profits. When they survey your car, they tend to underestimate the damages so that they don’t have to pay you much. You can have your car cross expertised by another expert but then this one would not try to counteract the other. Vicious circles indeed.
@C: I was joking, relax :-) What I know fore sure is that in Canada, each claim will skyrocket your premium. Therefore, people avoid making claims if they don’t have to make them. Some (a lot actually) even prefer not to report accidents and pay for the repairs themselves.
Yes, if the excess will cost more than the repair, then it’s not worth going through the insurers. In my case, the repair costs exceed the excess by a large margin (without making up damage, mind you).
Eddy.
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