Motor Insurance
Car insurance claim for multiple scratches - will NCB be affected?
I met with an accident a week ago ago where my car got multiple scratches. The repair cost is estimated at 30000 rupees. I have comprehensive car insurance from HDFC Ergo with IDV of 8 lakhs. This is my third year of no claim and I have 45% NCB. If I file a claim for this damage, will I lose my NCB? Is it better to pay for the repairs myself to protect my NCB? The premium I am paying is 10000 per year. Please help me decide whether to claim or pay from pocket. Also, how long does the claim settlement process take?
#car-insurance
#ncb
#accident-claim
#own-damage
#comprehensive-insurance
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