Motor Insurance
Car insurance claim for rear-end collision damage - will NCB be affected?
I met with an accident 3 days ago ago where my car got rear-end collision damage. The repair cost is estimated at 40000 rupees. I have comprehensive car insurance from HDFC Ergo with IDV of 7 lakhs. This is my fourth year of no claim and I have 50% 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 12000 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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