Insurance claim
ashok
(Querist) 24 April 2012
This query is : Resolved
Sir,i have car which was only 3 month old, met an accident one month earlier.i have fit a rto pass CNG kit in it,the very next day i have done rto formalities ligaly, but on the third day i remove the CNG kit as i was not happy with the perfomes ...pickup etc. so i did not informed the insurance company.but had completed the rto passing with the official charges.now when the car met an accident the sever came to inspect the vehicle, an has approve the most outer parts than next day he came again to inspect the inside damage which they call KEPT-OPEN. that time he approve some inner parts and told the garage ( toyota Dealer) to start the work ,now the car is ready for delivery. he inspected the vehical again and next day he said a mail to the garage for laibilty which says DO NOT REALSE THE VEHICAL ON CASH LESS BASIS,AS AT THE TIME OF KEPTOPEN SOME CNG FITMENT MARKS WERE SEEN SO THE MATTER IS UNDER INVESTIGATION. now my qst is they could have ask me before at the time of KEPTOPEN , so i could have ans them alonge with the official rto passing papers and if they were not happy i could have taken my own decision whether i will fight against there decision or sell the vehicle or repair with low budget any where. now i am bound to pay them 1 lakh 60 thousand Rs. by force, next i went to insurance office they told me we are doing investigation yet, next day a guy call me at the showroom .his 1st qst was what is ur income,how much u earn, how can u afford a petrol car. i have a tourist business for which i have 2 separate cars. and this car was my own personal use. he ask me how can u run a car about 10000 km in 3 moths. i ans him i went to shirdi saibaba, than 5 times to my village Mumbai to kankavli which is 995 km 2way than i went to my relatives in Delhi the km run was about 3800 and also i can prove it with toll receipts. and he also said that ur claim has been rejected by the company so u give in writing right now that ur withdrawing the claim now, but i did not agree with him. in this case pls advise me what should i do. the car is still lying with the dealer and i will be paying there parking charges and my bank installment. i also have worte a letter to the insurance company because i know only the insurance should be ans me and not the other persons.i received his letter by mail , but the investigator has avoid writing the points which i have raise to the insurance company. he says i haved agreed that the car was in tourist use, than he says that i must summit the food and hotels bill when i had gone to shirdi with the same car. it was one day trip. then i went to my village 5 times he need a toll bill, as well a hotel stay bills, then i went to Delhi, he want toll, hotel, food, taken pictures. now tell me one thing, sir if ur on ur personal vist to any place will u keep a food bill ,hotels bill if ur at ur native place ? or a toll bill... very simple. but this guy has not ans any of my letter qst, more he has requested to send him it return, 6 month bank statement, my id proof, and my res proof. and has force me to reply in 7 days or else they will close the file. i really feel very bad about the harresment , i should bring to the media notice. pls help me with the right advice....Is it the investegator concern what is my earning ?, he did not ans my imp qst why did not severe ask me about the cng fitting , there was noting written about all this , may be he is trying to afraid me by asking some new qst, i have written to the insurance company that this person force me to write a letter that im withdrawing the claim , then he will help me to sell the car.what,s all this i really need help i even cannot afford to pay a lawyer at this stage...... need help. i m in thane city in mumbai ,maharastra.
Deepak Nair
(Expert) 24 April 2012
The same query as aasked a week before. I have answered in the said query.Please follow the link.
http://www.lawyersclubindia.com/experts/Insurance-claim-297636.asp
