Sorry for your loss brother, but do get your ride insured as cars are prone to accidents especially in our road conditions and also vulnerable to thefts. It is no easy to pay for repairs or buy another car, so insurance is your best bet.
Three months ago, I bought a new Mehran and then checked with Askari and just for 17,500 rupees per year (just 1,458 per month) I got my car insured.
I had driven it just 300 kms when in order to save a speedy motorcycle wala I hit it on the road median or divider. Right suspension was damaged and the rim was bent. Right fender, right shock, arms, rods, were changed and front bumper was fully painted. The repair and parts cost (At Suzuki 3S) came around 29,500 rupees, but I was charged just 800 rupees (depreciation cost) and I am still covered till March 2014 against any accident or theft God forbids.
