I have Maruti Wagon R. I had a small accident inside the residential society when I was parking my car [I am new driver :-(]. I had called up my car dealer and told him about the accident. He had forwarded the call to their Insurance and claims department. Insurance and claims department people told me that not the full amount would be paid. It would be paid, after deducting the compulsory excess and 50% would be paid in case of plastic parts. Is it so?