Tata AIG Insurance — Claim no - [protected]; insured - soma debnath; mh14dt088

Address:

Kolkata, West Bengal, 700063

Ref : claim no. [protected] - a under policy no. [protected] from tata aig
Sub : accident claim of our vehicle no. Mh14dt0880 tata safari - dicor
N reference to my claim for the above vehicle for damages in the accident on 02/07/2016 informed to tata aig on 04/07/2016, my vehicle was surveyed on 04/07/2016 when it was produced for inspection by their officials at repairer m/s k b motor, kolkata. Photographs were collected and taken by them.
Later, on 14th of july 2016, we received a mail from tata aig which stated that during perusal of documents submitted by us, it was observed that at the material time of accident the driving license of the person driving the insured vehicle was not valid. (Licence detail – dl no. Mh[protected]; valid till – 01/01/2016; lmv-nt).in view of the above the company seeked our clarification and wanted us to present an alternative interpretation of any relevant policy provision for our further consideration within 15 days of receipt of their letter.
I would like to kindly inform you here that last six month back i was transferred from pune to kolkata and i had applied for a new dl at kolkata rto office and had successfully passed the driving test on 6th june’16.
I also started driving my car in kolkata with the learner’s licence as the delivery of smart card was late due to some agitation at motor vehicle dept. As a proof of document i have attached my licence delivery slip dated 6th june’16 & smart card issued on 11th july’16. I confirm that i had a valid driving permit (Smart card delivery slip) when i met with an accident on 2nd july’16.
I submitted all the necessary documents as in smart card delivery slip, learner’s licence, invoices of repair and cash receipt by k. B motors and all the necessary documents to tata aig for approval of the claim amount.
To my disappointment, after one month of email exchanges, repeated reminders, follow ups and mental harassment, today i received a mail with the scanned copy of the rejection letter from the company stating that my claim has been rejected on the ground:
1) that there was no “l” letter affixed on the car on the accident date. (Since the damaged car was photographed by tata aig officials in my absence, a manipulated photograph cannot be claimed to be a genuine evidence for disapproval of claim)
2) that i did not have my learner’s licence on the accident date. (Attached copy of learner’s licence and the delivery slip of smart card is the proof that the permit was very much available with me)
3) that i was not accompanied by a person with a registered driving permit (Declaration of a valid driving licence holder who was accompanying me during the accident time will be produced on demand)
Based on all the above valid points, i request your kind self to take necessary for approving my claim at the earliest.
For any further requirement please do call me as and when required.