Is It Worth Filing A Claim For A Minor Dent?

It is always sensible to weigh whether the damage is worth filing a car insurance claim for or is it smarter to wait for another claim-free year.Many of the minor auto-related issues like scratches, door and bumper dents caused by minor car accidents or unforeseen natural disasters can be fixed without costing you big bucks.Reliance General Insurance brings you a check-list of common car problems and their surprisingly simple solutions.

(pic courtesy: templario-miscenciaymislibros.blogspot.com)

Chip on my Windshield

Chips are one of the most common types of damage on your car. Sooner or later, most windshields get hit by a pebble or stone that might cause a small chip or crack. However minor, it is potentially dangerous if it is in the same line of the driver’s vision, and also results in emphasizing glare on the glass.

Small chips are easy to repair. If you are far away from the city, the first thing to do is to put some clear plastic tape over the crack to keep away dust, mud, and bird droppings as these later interfere with the repair. Then tend to the crack as soon as possible.



A long scratch on my car body

This is by far the most common nuisance faced by everybody, more so if your car is parked outside the building. You can of course choose to ignore the marks, provided you rub your finger gently over the scratch and cannot feel any great depression.

(pic courtesy: yourmoneyrelationship.com)

If only the surface clear coat is blemished, a gentle polish can hide it perfectly. However, for a deep scratch, painting is the only way to make it less noticeable. Of course, you can try out your painting skills with the nearest matching fingernail polish available in your home, or better to take it to the nearest garage.



Dent on my car!!!

For just a mere dent with no serious damage, the best idea and advice is to get it fixed, rather than file a claim. Do remember not to try doing it yourself as it may make it worse! Take your car to the nearest garage and pay out-of-pocket for the removal of the dent.
In most cases, it is advisable to cover the cost out of pocket and not filing a claim for the same, because fixing a dent costs less than your car insurance deductible.



How can I avoid getting dents in my car?

Following some simple rules will help you to avoid dents as much as possible. When parking your car, try to look for an area with little traffic.Be a polite parker when you do need to park next to someone and always keep a safe distance always from the next car.
Try opening your door carefully and giving yourself enough room to do so while parking since you do not want to dent someone else’s car and yours at the same time.

Watch the weather report. If it looks like a storm is brewing, keep your vehicle sheltered. Keeping your vehicle in a garage is always a good idea even during the day if not travelling.

Avoid gravel road and roads covered with rocks as they speak of trouble when it comes to dents on vehicles. Rocks and gravel can chip paint and cause scratches as well.



My Car is dotted with Stubborn Sap

Do not fret if you are unable to wash the stain with normal soap and water. There is a simple yet magical solution to this. Pour a drop of rubbing alcohol directly on the sap spot, rub with your fingertips, and watch the marks disappear. No need to rinse, either. The alcohol will evaporate.



Let go of smaller claims

Never rush to make a claim for every small dent on your car. You are entitled to a no-claim bonus (NCB) for every claim-free year. If you don't make any claim on your car insurance policy for a few years, the NCB can reduce your premium cost by as much as 50%. Many a times, it has been seen that what you spend on repairs in the garage could be less than the amount you stand to lose as no-claim bonus.


Article Source: https://www.reliancegeneral.co.in/insurance/articles/year-2012/December/reduce-car-insurance-premuim-with-no-claim-bonus.aspx

Aurangzeb not just another gangster tale

Debutant director Atul Sabharwal’s “Aurangzeb” reveals the game of power, corruption and money that revolves around the real-estate industry. On one hand, “Aurangzeb” talks about the materialistic means of life, while on the other it gives an equal weightage to a man’s emotional aspect. “Aurangzeb” is intense & dark; with some unnerving face-offs, yet at times predictable. Every character in the movie has a grey side to itself, it is this aspect of “Aurangzeb” which gives it a realistic appeal. Its good direction and even better on-screen performances might bring some trophies home for the movie. 

(pic courtesy: movies.sulekha.com)

Even if you haven’t seen the movie yet, just by looking at its trailors you may understand that the movie is based on Emperor Aurangzeb’s principle of killing one’s own kins to rule the throne.

‘Aurangzeb’, by some critics, is considered as a story of twins Ajay and Vishal (Arjun Kapoor), and some are calling it a story on an underworld connection with the real-estate empire, while for some it’s just another ‘average gangster movie’.
 
Sorry, I am not a critic. I am just a diminutive movie-goer, who sees what is served, and likes or dislikes it accordingly. And from that perspective, ‘Aurangzeb’ to me is a story of ACP Arya (Prithviraj Sukumaran) who unlike his father (Anupam Kher) finds no harm in having a share of black money under his belt. In other words, he follows the footsteps of his paternal uncle DCP Ravikant (Rishi Kapoor) – a top cop ready to use his power for all means.

‘Aurangzeb’ is Arya’s journey from a corrupt police officer to a man of principles. Arya wants to arrest a dreaded gangster cum real estate developer Yashwardhan Singh (Jackie Shroff), whose major share of empire is run by his second lady Nina (Amrita Singh).
 
However, due to lack of evidence Yashwardhan continues to reign over the real-estate industry away from police’s grip. Arya along with his uncle DCP Ravikant, plans to re-place Yashwardhan’s son Ajay (Arjun Kapoor) with his forgotten twin brother Vishal and thus gather proof sufficient enough to arrest Yashwardhan. Does Arya succeed in putting Yashwardhan behind bars? What is the power game that brings out the true officer in Arya by end of the movie? You can ask your friend who has just watched the movie, but finding out the same yourself would be more interesting.

‘Aurangzeb’ is definitely not something unique. It might have been made and re-made in different eras under different banners with different cast. Yet, the whole package taken together makes ‘Aurangzeb’ different from the rest. Right at the beginning, the movie introduces its audience with its theme. Its rapid pace does not lead to boredom, yet manages to put across each character in much detail.

Speaking of performances, Rishi Kapoor very convincingly plays a role of retiring officer who is ready to surpass any limits of manipulation to get what he wants. In the shoes of a shrewd officer and a cunning conspirator, he delivers yet another hair-raising performance in ‘Aurangzeb’. Ever since his role of Rauf Lala in ‘Agneepath’, Rishi Kapoor has been setting and breaking his own benchmarks.

After a not so good Bollywood Debut in ‘Aiyaa’, Prithviraj turns out to be the surprise package of ‘Aurangzeb’. He showcased the transition in the mindset of a money-puller cop to a man of principles, with conviction. He has phenomenally pulled off as a focused and intense cop.

Arjun Kapoor, who is now two-films old, seems to have sinked in well in a typical mawali (goon) character. While he plays the role of a gangster with élan, he fails to deliver in scenes which demand emotion.
 
Sasheh Agha has probably got the looks, but she may need another movie to portray her acting skills. It was nice to see Jackie Shroff and Amrita Singh back on the screen.