Hi all I have my car which is insured from HDFC ergo and now what they are doing in claim process. My car hit from right front corner. headlamp, fenter, bumper and lower bumper all got damaged in an accident and when I reached in Renault service centre the advisor said they need to change bumper, lower bumper, headlamp, and right fenter even they forwarded same to the HDFC ergo team but the surveyer came and what he did, he called someone from out side of the service station a local mechanic and ask to him for repair headlamp and fixed it in the car and they changed bumper but the lower bumper is still damaged they just screwed it and lower bumper all locks are damaged I know it can remove anytime while car will run in high speed. I talked with surveyer but he said they will repair it only and no one can replace it.he will not allow to replace new headlamp and lower bumper. why should we pay insurance? 10k -20k every year? If the company cannot bear a headlamp and bumper charges. so I would suggest to all please do not buy insurance from HDFC ergo. And they don't have money for claim approval. I bought new car why should I fix old damaged parts in my car? No one wants wrost service like this.