I don't know how I missed updating here.
@bhvm ,
@VISHNUCARCRAZY and
@mayankdixit sirs, Thank you, Thank You, THANK YOU!! for your guidance and answering my stupid queries. I got the RTB and Bearings replaced under insurance claim around 25 december. I'll post the breakup tomorrow as the bill is in the car. Had to grease some palms worth 4000.
I got my insurance renewed from Royal Sundaram for ₹23,152 for an IDV of 550000+44000 (road tax cover). I had availed the NCB cover so didn't lose out on NCB after the mentioned claim.
Weird thing is after replacing RTB and everything, I went to get my new Michelin tyres installed. We had planned to leave for our trip just after this. There I found two new issues. First, the front left tyre was touching the inner body. Second, Camber and Caster readings were way off in alignment. No local tyrewallah could adjust them, so went to Ford ASS again.
Even they had no idea how to correct caster and camber and tried some hit and trial by replacing front-left control arm and shocker. Luckily, the caster and camber came out okay after replacing these parts. I even got a 20% discount by a little buttering the SA there. And the very next day, we started for our trip.
Our trip: Gwalior - Trimbakeshwar - Shirdi - Vadodara - Gwalior
Thoroughly enjoyed this trip with new Michelin tyres and a peace of mind. Have also paid up the full loan amount last August i.e. within 3 years, so the car is completely mine. Just need to visit Mohali once to remove the hypothecation.