[Resolved]  Icici Lombard — Complaint inrespect of Claim No: MOTO 4120550

Address:

Chennai, Tamil Nadu

Dear Sir/Madam, I am your customer holding ICICI Lombard Comprehensive Insurance Policy in Policy No: 3001/HI[protected]/00/000 for my Fludic Verna car with registration No: TN22 CM 3366. My car met with an accident while I was traveling at Velacherry – Madippakkam Road, Chennai. A two-wheeler suddenly jumped from left side crossing the road and to avoid hitting the two-wheeler, I was forced to apply sudden break. However my car dashed the two-wheeler despite of applying the sudden break. Since I had applied sudden break another two-wheeler which was coming behind me has hit on my back without control. No person is injured. Due to which my front and back bumper got damaged. I have registered a claim in Claim No: MOTO 4120550 and the inspection was taken place on 16.10.2014 by your Surveyor Mr.Hari Prasad. The Surveyor without considering the above incident and without considering the common factors in the city traffic, he has approved my claim of the front and back damages as two claims. It is a single accident, single cause of action for making an insurance claim. Though I have explained him clearly over phone, he has not come forwarded to understand the reality and allow the claim. The vague/act of your Surveyor is arbitrary and without any basis. Your Surveyor cannot take a decision on his own according to his whims and fancies. There should be some reasonable approach. When I had made one claim your surveyor has considered it as two claims in an unfair and unjust manner and further told me that “he is employed only for the beneficial of the Insurance Company and not to the customers”. For a single claim, I need not pay Rs.4000/- (Rupees Four Thousand Only) towards claim charges. The act of the surveyor is illegal and against law. Your surveyor forgets that the customers are valuable and insurance is beneficial system for the public/customers and not to make money by the Insurance Company. I am being your customer, I am totally dejected by the act of your surveyor. When all the issues are explained to him clearly over phone, he has abruptly called me to the service spot immediately which is impossible and he has finished the survey in my absence in a biased way on his own imaginations. The act of surveyor without going into the proper analysis is deprecated. Fair and reasonable approach should be adopted in all fairness. Kindly give suitable instructions to your Surveyor to do survey or resurvey in considering the nature of accident and also inform the DSC Hyundai Service Station, Chennai in allowing my claim as a single claim. Please confirm whether my claim for front and back bumper damage is to be considered as one claim. Any delay in this regard will result in retention of my car in the service station and insurance company is responsible for my day today conveyance expenses which I am spending for taxi. I request your goodself to kindly advice your surveyor to give clearance for single claim. If my request is not considered, I will be forced to approach the legal forum, Consumer Court and also Insurance Ombudsmen claiming compensation for my loss, mental agony and sufferings. Kindly consider my request without any further delay at the earliest. M.Udhaya Kumar, Advocate Cell:- 91-[protected]/[protected]