If Insurance Company have power reject claim due after intimation 144 Days

Querist : Anonymous (Querist) 19 October 2010 This query is : Resolved
Respected Sir,

I Insurance my Two Wheeler from Reliance General Insurance. I want claim my vehicle damages.

Insurance Period From 03-06-09 to 02-06-10

In between caused accident on 06-12-09 and
Compliant to Police and First information Report dated 06-12-09 under section 297 & 337.

Date of Intimation to Insurance Company 29-04-10

After many time I send reminder to insurance Company.

Finally that insurance company refused the claim that

Reason for Closure -- Delay in intimation - 144 days

Now insurance company not to help me.

Please help and advise me what can I do.

With Regard’s

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Devajyoti Barman (Expert) 19 October 2010
Only the agreement with the insurance company would determine the validity of the act of repudiation. If the policy agreement prescribes for prompt intimation to the insurance company then your conduct is damaging. In any case the insured immediately intimate the insurance company but your negligence in making so would not help you much.