[Resolved]  Reliance General Insurance — claim settlement amount , too much delay and misguided by company .

Address:

Faridabad, Haryana

Sir,

I met with a car accident on 14 Aug 11 , and my car swift dezire got totally damaged in that accident.I was in hospital for last 2 and half months for Brain Hammerogic Contrusions (blood clots in brain) and Right hand clavicle bone fracture . The car accident was immediately reported to the insurance company on the same day by my father and all the required documents were provided to the agency surveyor , as told by the insurance company correspondant on phone , even the workshop was told by them. I was in ICU for a long time and my father was made to run around for the insurance claim of the car and even the surveyor asked for the documents twice claiming to the loss of documents. My father was also misguided and made to sign papers and an affidavit claiming to make a maximum claim of only 2 lakhs only can be given , for an year old car which was insured for 4 Lakhs, as the surveyor told that the rest of the car he will get sold for 1 Lakh 80 Thousand. Now it has been around 3 months and now even after giving all documents twice thrice including the affidavit , no action has been taken and due to delay not even a single workshop is ready to repair it for an amount less than 4 lakhs and the surveyor is also making excuses after getting the affidavit that no body is ready to take that car now . Even the workshop told by insurance company claimed to repair it for not less than 4 and half lakhs. My father not knowing details about the insurance claims procedures and also being under a lot of stress because of my condition me being in ICU , signed the affidavit , which was also signed from me in the same subconscious and medicated state , a month ago. Upon coming to know and realising the facts now when I am in a better state , I realised that the surveyor and the company has misguided my father and we are under a great loss and mental stress and we are not ready for the 2 lakhs settlement amount for a 4 lakh insurance . And even after giving all the documents and even the affidavit from court since a month back the claim amount has not been given till date .I will be happy even if the company gets my car repaired instead of paying that amount to me , because as such i had an insurance for 4 lakhs and they should get my car repaired .The condition of the car is getting worst from worse with passing time and also i have to afford the garage charges for last 2 and half months for keeping thr car in a workshop in the same state . We stay in faridabad and the accident occured near Hissar , since then my old father has been troubled many times , and yet no respite is visible from the company. He has been calling personally and chasing their administrative headquarters since long , in Chandigarh. If the same continues i am afraid the car wont be in a state to be repaired at all . Sir I a central Govt. Employee and dont have that much wealth to cover up the loss of the hard earned money , even i am finding it difficult to pay back the remaining 4 Lakh loan of the car to the bank now . I have tried all my ways with the company then only I am looking upto you. I request you to take some necessary action against the company and help me in the same. Looking forward to your reply.





The Necessary Details are as follows:-


NAME Ashwani Kumar

Car Swift Dezire VXI (2010 model)

Insurance Company Reliance General Insurance

Insurance No. [protected]

Claim Complain No. [protected]

Complain(again) No. 2143537
Email [protected]@gmail.com
mobile [protected]





Regards



Ashwani kumar