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Harry   19 September 2017

Claim for windshield with crack during insurance.

I had insured my vehicle with national insurance. Recently I met an accident in which my left headlight,bumper,bonnet and left foglamp were damaged. I got it repaired now the surveyor says they will pay me only 4000 against the bill of 6000 for labour charges, as of foglamp I couldn't find single(left foglamp) as it is only available as set of two and surveyor says company will pay only for one that was damaged, I was still happy with this but for the worst they say I will get nothing for windshield as it had a crack during insurance inspection and report includes it. How a single crack in windshield could be taken as broken in insurance inspection when it is still intact and vehicle can be driven well with it. And if so they told me nothing about this at time of insurance or while taking pics. Is there any way I can claim insurance for my windshield?

 2 Replies

Isaac Gabriel (Advocate)     29 September 2018

If the company refuses, issue notice and file case at consumenr forum

Advocate Abhishek Sinha (Advocate)     28 June 2019

Mr.Harry, that is why, General Insurance (Non-Life) is different from Life Insurance. In a Life Insurance Policy, you get a sum insured on any unfortunate happening, even if you have more than one policy, you will receive the Sum Insured from all of them. BUT in General Insurance, whatever may be your Sum Insured and even if you have Coverages from multiple Insurance Companies, YOU WILL ONLY GET INDEMNIFIED FOR THE LOSS AMOUNT.

Here in your case also, they are just indemnifying you for the ACTUAL LOSS/DAMAGE occurred to you.

If you take my opinion, for such a small amount, its not worth complaining......Though if the argument is done intelligently and by a knowledgable professional, chances of wining the argument is there but You may end up spending more time, money & efforts than what you are claiming for.

Thanks & Regards

Adv. Abhishek Sinha | Mumbai | +91-7045949997


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