Accident and insurance claims

Thanks a ton and you too ride safe, I’m used to more of ABS braking vehicles, usually I tend to control but the place where I had been to had sand and dry cement on the road…if rear wheel locks for a extent we can control the vehicle but here the front wheel got locked…I crashed in the speed of just 30kmph.

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Same here bro when the vehicle slipped the top speed recorded in the vehicle was 40 I am sure I was in 30

I have driven 4.5k till now and my best suggestion would be not use your front brake at all at times I feel is the dual disc brake too much to handle for those small tyres !!

I have understood it now the vehicle can easily slip if you’re in 30’s we should start to handle braking in a matured way

Hopefully no much accidents should occur for the rains ahead !!

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So much true bro!! I travel from Banashankari to ITPL everyday and so much nuisance happens on the road !! I at times feel should I remove the front disc brake like old auto’s

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Does anyone know if insurance will cover damage to battery. If so what will be the percentage of coverage. Is it 100% or less?

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Yes it does cover 100%.

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A post was merged into an existing topic: Insurance

What an unfortunate day. After taking delivery of my 450x S1 a week ago, I met with the most stupidest accident. Wish we could rewind time. The scooter was in warp mode, and I was distracted to notice. My sudden input to throttle made me lose grip on lose sand, leaving insufficient time to make corrections. Luckily I didn’t suffer much apart from few scratches, but

That’s the damage - P.s it did have PPF but obviously not sufficient for deep scratches cause by gravel on road

I have contacted the Ather team for an estimate. I literally can’t ride this. It looks bad. Any suggestions whether I should claim insurance or pay it from my pocket to avoid a dent to my NCB.

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It hurts to see any vehicle in this state. I was actually thinking of asking about your PPF. The unaffected area looks so glossy and beautiful. But these are too deep for any PPF. Looks like it has travelled a fair distance after falling down. Those are very deep scars!! Anyways, it’s called an accident for a reason…

Within the first 20 days of my 450 ownership, I had put down my scooter (again a stupid mistake…held the parked scooter by it’s throttle and twisted it without knowing that the motor was on). There was still no PPF and all the damaged parts that I see in your picture were damaged. The bill was around 6k. In your case due to increased prices, estimate may be upto 8k. Due to the fact that it’s a new vehicle the NCB will not be high for second year insurance premium (it’s only 20%). So I’d suggest you get this done through Insurance.

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That hurts. Within 20 days is also mind numbing.

I got the PPF done from krithi car care, and I’m yet to post that on the forum! Unfortunately this happened before and plus my exams are going on too!

Well it was just 3 feet that the scooter travelled sideways, but there were big pieces of stones…hence it looks like it travelled some distance. I’ll wait for an estimate from ather, about its costing and post the figure here!

If the NCB is not an issue, I’ll claim insurance! :sob:. Will keep you updated! Waiting to get better soon and ride down to ather proto lab in BTM layout. Thank you ! @hemanth.anand

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Man! this sucks! I have rarely used Warp for this reason. I used it once to overtake a Truck that was adamant to give me a space or slowdown so that I can pass through narrow street with on coming traffic and I had to show him what I got! but then I had switched to ride mode immediately!

I was especially warned about Warp mode by the repair specialist at the time of delivery who wake my vehicle up when it went to sleep with PC stuck in it during demo!

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Well , I’ve been “Warping” a bit too much lately. But luckily this happened at dead speed and I’m safe. Need to keep in mind about traction and road conditions the next time I’m in warp mode ! :pleading_face:

Waiting for a reply from Ather about an approximate figure!

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Claim insurance… that’s what it is there for … if it was your 11th month maybe you can consider not claiming. But it’s 2nd month . Don’t let ncb deter u

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Sorry about this. I can totally understand this as I did the same with my sedan. The breakeven from NCB will not be more than the damage charges. That’s what I learnt. Cuz, we calculate the NCB with the current IDV. I made that mistake and paid out of pocket and ended up in a loss of ~3K (excluding processing charges).

But that’s for car. I don’t see much of a difference cuz Ather is better than many cars out there :sunglasses:

Sad part is the PPF. Wish you negotiate a good deal with them.

I also noticed a small scratch in the Side Stand. Change that too. That way you will use the premium+NCB loss to the fullest.

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NCB will be 20% of Renewal value of own damage insurance. At max if you set more IDV it will be between ₹500-600. One panel itself costs more, use your first claim for this

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Thank you @jeetash , @sbalaji.job ,@HarshaVardhan and @hemanth.anand . It makes sense to claim at this stage now after you guys broke it down for me.

Already been 2 days since I haven’t received a quote from them, I guess its time to drive down to their place in BTM layout or get the vehicle picked up. Have healed from my minor internal joint pains and good to get back on road

Book a service slot and drop or get it picked up. They’ll be able to give an estimate only after an inspection.

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Yes series 1 have free service pro plan

Just a reminder to everyone that when it rains please don’t go beyond 40 kmph. As the MRF tires of the bike are not good.

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I was riding at 60+ in today’s rains … grip was fine.

You have to be safe though … no sudden braking I guess.

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Finally gave my scooter today. Just putting out for future Ather owners, a rough idea what I had to do to claim insurance. Process can vary.

1 - Contacted the Ather CC to know how to proceed, they requested me to raise a claim with my Insurance company - goDigit insurance. Gave me an approximate quote of 5000/- from the images shared with them through ticket raised via Ather app.

2 - Called up goDigit and explained them what happened and provided all the details. They requested me to upload images of the full scooter, along with the damaged parts through a self survey link. A Surveyor gets appointed to my claim number, to verify the same.

3 - Got a claim number, and tried uploading the images of the scooter. Unfortunately no image was getting uploaded. Informed the same to goDigit and my surveyor.
They said I need not worry, I can directly drop the scooter to the workshop, they’ll do the rest.

4 - Dropped the scooter today at the workshop , Ather energy Proto lab in BTM layout and did all the formalities and gave them the claim number. Their estimate also is currently 5,000/-. They said they would return my scooter by Thursday (14/01/2021) and would deliver it to my home, as I have free 1 year Service Pro plan (450x S1)

Will try to share the breakdown of parts here for future reference once I get the vehicle and invoice !

On a side note - bumped into @jeetash at the same time in Ather workshop and recognized him from his customized helmet and he, after seeing my S1 pics on this thread ! :stuck_out_tongue: pleasure meeting you bro! He was kind enough to drop me, on his S1, on his way back home. Definitely a very chatty evening!

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