Maruti Jimny that was recently launched met with an unfortunate accident. Swapnil That, the owner of Jimny got hit by a bus that was coming at full speed from wrong side, and hit them. The pillars got damaged, but thankfully, no one was injured.

Maruti Jimny Accident – What Happened?

Swapnil Thakur, the owner of Jimny had bought the Alpha Automatic of the SUV on 12th June 2023, and two months later it got totaled when the bus was coming at full speed from wrong side without honking and rammed their Jimny from the side. Thankfully, in this incident, no one was hurt as the airbags were deployed at the right time, but unfortunately, the A and B Pillars of the SUV were completely damaged.

This is what the owner of the SUV, Swapnil Thakur had to say, “I bought my Suzuki Jimny AT on 12th June 2023. Today, I was travelling with my family. As we reached at Kaushambi Metro, a Govt Bus Coming at Full Speed from a wrong side without honking rammed my Jimny from side. My family and I were completely saved due to airbags and seat belt. But car has gone into a total damage. The A Pillar and B Pillar has completely been broken. I have already got the FIR done against the bus driver. I want to request that what will be the process of insurance and will this damage gets repaired or the car goes into a total loss.”

Maruti Jimny Accident – What Happens Now?

In the aftermath of Swapnil Thakur’s recent collision involving his Suzuki Jimny, questions regarding the insurance claim process, vehicle evaluation, feasibility of repairs, and the possibility of a total loss scenario have surfaced. Navigating these intricacies during an insurance claim can feel overwhelming. Here’s a concise guide for car owners who find themselves in similar situations.

The path from a damaged vehicle to complete restoration relies on a careful examination by an insurance adjustor. Repair becomes a viable option if expenses remain below approximately 75 percent of the car’s insured declared value (IDV) or its market value. A comprehensive assessment delves into both the mechanical and physical aspects of the vehicle. The main goal is to determine whether the car can be safely reinstated to its pre-damaged state.

On the other hand, a situation of “total loss” emerges when the costs of repairs noticeably exceeds the car’s worth, typically surpassing 75 percent of the IDV. In instances of severe collisions or significant structural damage, a scenario of “constructive total loss” could arise if the repair expenses go beyond the car’s value. In this context, the coverage known as Return to Invoice (RTI) holds significant importance. For potential scenarios of complete loss, RTI ensures that the insurance payout isn’t solely based on the devalued IDV. Instead, it is aligned with the original invoice price, providing substantial compensation in situations involving irreparable damage or theft.

Maruti Jimny Totaled By a Bus; Pillars Damaged But Keeps Passengers Safe!