[Resolved]  Tata AIG Insurance — Insurance claim (of policy no[protected] for car accident rejected

Address:	122018
Website:	Tata AIG Insurance

The accident of my car number - up12cl6061 happened on friday morning i. E. 3rd june'16 at 8.30 am in new delhi near cr park. Due to sudden use of break by the car in front of my car the chain accident happened, resulting the damage of my front & back bumpers. Post accident i took my car to the deal (Nirmal hyundai, c-27, sector 3, near rajnigandha chowk, noida, uttar pradesh 201301) on 3rd june at 11 am. The car was given & shown to the bodyshop team wherein the front bumper was totally damaged. I was told that the insurance team will inspect the car and post that you will be informed about the approval of the damage claim. At 6pm in the evening i was informed that my claim for front bumper is rejected and back bumper is approved.
The reason shared by the surveyor that the car was already damaged during the inspection of renewal of the policy. Wherein the inspection reports says that the bumper is scratched not damaged! This is a normal phenomena in delhi/ ncr. I hope the word scratch & damage has different aspects/meanings.
Also, please note that i have been taking insurance from tata aig from past two years that too with zero depreciation clause. Also have not taken any claim till now. This is really ridiculous customer service and handling.

Attaching the inspection report dated 14/12/2015 (4 images) and accidental photos of car for your reference (4 images)

I hope my complaint will be addressed and claim will be approved since there is no logic behind rejecting my claim.In case my claim will not be settled i will take up the case to consumer court to get justice.