[Resolved]  Bajaj Allianz — Car insurance claim - car at service centre from last 3 month, bajaj allianz not responding

Address:

Gurgaon, Haryana, 1220033

My car Volkswagen Polo HR20Z6318 got minor accident in Sector 46 gurgaon market speed breaker. Due to this mobile oil of car got leaked. I immediately used bajaj alianz road side assistance toying service and sent car to service center. After inspection Volkswagen body shop concluded car engine got seized, as per them if mobile oil gets leaked car engine gets seized within 30 seconds.

Volkswagen body-shop come up with estimate of 4, 26, 000 to replace engine however car IDV is 4, 06, 000 so the case was going towards total loss. Volkswagen bodyshop also suggested engine short block part replacement which may cost around 2, 75, 000.

All these things were discussed with Bajaj Alianz surveyor, manager and Volkswagen bodyshop AGM in a conference call. Bajaj Alianz wanted to go with engine repair prospect but Volkswagen AGM clearly said Volkswagen senior technician does not recommend repair as there are lining on piston and engine will broke down again in future. Still unfortunately Bajaj Alianz come up with repair approved estimate and with 1 month repair warranty. If after repair engine gets broke down again car is of no use and it may also risk someone's life. Engine current run is only 56k.

I hereby request you to please help me in getting justice either by engine part short block replacement or if estimates are high I am ok with total loss with complete IDV settlement. I have attached Volkswagen bodyshop initial estimate 4, 26, 000, approved estimate by bajaj alianz and toying receipts.

Below is brief-up:

1. Accident date - 7th of July ~5:30 PM near Sector 46 market Gurgaon
2. Toying to Sector 52 volkswagen service center from sector 46 - 7th of July ~6:30 PM
3. Toying to Bodyshop sector 18 from sector 52 volkswagen service center - 8th of July
4. In house Survey - 11 July
5. Survey by Bajaj Alianz - 18 July
6. Followed up for more than 1 month to get decision on claim
7. Approval for engine repair - 23 August
8. Complaint raised in IRDA on 29th August

No response from Bajaj Alianz yet

Policy No - OG[protected]-00010731

**************************************************************8

Email Communication -

Claim no HR20Z6318 A/c Mr. RK Arora Claim no. OC[protected]-00008035 at M/s Frontier Auto, GGN
Inbox
x

avnish kumar
Jul 26

to FAPL, BODY, Anil, me
Sir,

As discussed, kindly dismantle engine and call undersigned for further inspection.

Also please provide:

1. Towing receipts involved in the said loss

2. Spot photographs if any

Regards,

AVNISH KUMAR (B.E.) surveyor & assessor 133, Rajendra Bhawan Rajendra Place New Delhi-110008 Contact no[protected],[protected]

Nikhil Arora
AttachmentsJul 26

to sk.malhotra, sk, avnish, FAPL, BODY, Anil
Avnish,

I am under impression you are coordinating with Mr Harish AGM-Bodyshop for inspection. He has already shared estimate of 4, 26, 726, - not sure how it was estimated without dismantling engine. Please find attached estimate copy and Towing receipts.

I would again request you to please co-ordinate with Bodyshop if anything is required related to inspection.

Matter has already been delayed, appreciate if you can fast track the process, expecting better services from Bajaj Alianz.

Regards,
Nikhil Arora
+91-[protected]

3 Attachments


Nikhil Arora
Jul 28

to avnish, FAPL, BODY, Anil, sk.malhotra, sk
I didn't hear back or got response of this email.

I called on number[protected] mentioned in Avnish signature. Avnish was not available and spoke to Virender. Got to know from Virender, engine has not been dismantle yet and he is expecting to get it done by workshop in next 30 mins. Post that, Avnish will be doing further inspection by today.

Spoke with Harish AGM workshop and he confirmed the same.

Can I expect status on daily basis in email? When can i expect claim settlement, any tentative date?

Below is the summary -

1. Accident date - 7th of July ~5:30 PM
2. Toying to Sector 52 volkswagen service center - 7th of July ~6:30 PM
3. Toying to Bodyshop sector 18 from sector 52 - 8th of July
4. In house Survey - 11 July
5. Survey by Avnish - 18 July

Appreciate f you can fast track the process!

Regards

Nikhil Arora
Aug 4

to avnish, FAPL, BODY, Anil, sk.malhotra, sk
Avnish,

How are you progressing? Did claim get approve?

Regards,
Nikhil Arora

Nikhil Arora
Aug 8

to avnish, FAPL, BODY, Anil, sk.malhotra, sk
Avnish, Harish, Anil -

We all discussed in a conf call - Vehicle is not yet considered for "Total Loss". Avnish and Anil wanted to look on Engine repair prospect.

Harish told Volkswagen technician is Not suggesting for Engine repair by looking at the engine condition as it may broke down again in future. Also, engine repair cost may go significantly high and shall cross 75% of IDV.

Task To Do -

1. Harish to arrange a meeting with Avnish and Volkswagen senior technician to explain the problem by today.
2. Avnish to take decision on claim.

Regards,
Nikhil Arora
+91-[protected]

Nikhil Arora
Aug 9

to avnish, FAPL, BODY, Anil, sk.malhotra, sk
Hi Anil,

What is the decision made? Could you please update? It's been more than a month now, appreciate if you can fast-track the process.

Regards,
Nikhil Arora
+91-[protected]

Nikhil Arora
Aug 10

to avnish, FAPL, BODY, Anil, sk.malhotra, sk
Hi Anil,

We discussed -

Please update on decision made by today EOD.

Regards,
Nikhil Arora
+91-[protected]

avnish kumar
AttachmentsAug 16

to FAPL, BODY, me, Anil
Sir,

Repairs are authorized on the subject vehicle as damaged parts marked as Tick (V) in repair estimate are approved subjected to policy terms & condition.

Please note child parts of engine long block as demanded in estimate such as Crank Shaft & Bearings, Connecting rod bearing set, Oil Pan etc are approved subjected to policy terms and condition. Kindly completely dismantle the engine & FR Bumper and call undersigned for any other part found damaged as requested in estimate and labor settlement.

Cashless is subjected to Delivery Order (DO) from the insurers only.

Also please arrange ID Proof & Address Proof as per KYC form as enclosed as Pan Card copy is not legible.

3 Attachments


Nikhil Arora
AttachmentsAug 16

to sk, sk.malhotra

3 Attachments


FAPL
AttachmentsAug 23

to me, Anil, avnish, BODY
Dear Sir,

Greetings from Volkswagen Gurgaon!!!

This has reference to your vehicle bearing Regn No HR20-Z-6318

We wish to inform you that we have received approval from insurance co. to start the repairs
of Engine assy. with child parts (as per estimate attached).

Request you to kindly approve the repairs ASAP to start the approved repairs by insurance co.

Thanking you & assuring you of our best services at all times.

3 Attachments


Nikhil Arora
Aug 23

to FAPL, Anil, avnish, BODY, sk, sk.malhotra
Hi Rahul,

Could you please advice how did you conclude engine repair is the best option instead of Engine part replacement (Short Block)?

I have been told by Harish earlier that Volkswagen technician is Not suggesting for Engine repair by looking at the engine condition as it may broke down again in future. This was the reason Engine part replacement (Short Block) was suggested.

If you are confident engine repair would not cause any issue related to engine in near future at-least for next 1 year considering just 56k engine run as of and most importantly there would not be any compromise with human safety, please go ahead with repair.

If you are going with repair as a temporary solution just to settle down claim please do not proceed.

Please note Volkswagen would be liable for any issue related to engine in near future.

Best Regards,
Nikhil Arora
+91-[protected]

FAPL
Aug 26

to me, Anil, avnish, BODY, sk, sk.malhotra
Dear sir

Greetings from Volkswagen Gurgaon!!!

As per the prior discussion with you regarding your car, the insurance company has allowed for the repair of engine.
The child parts will be replaced regarding the same.

Further, after dismantling of engine we will check for any other damages, if found, we will let you know & also the insurance company.

The engine child parts which will be replaced or any problem occurs regarding the same, will bear the warranty of one month from date of invoice of the same and will be liable to insurance company as per requirement.

Nikhil Arora
Aug 26

to FAPL, Anil, avnish, BODY, sk, sk.malhotra
Harish, we discussed, please hold on this as the risk is high. I will look for legal advice.

Nikhil Arora
AttachmentsAug 29

to complaints
Hi IRDA,

We discussed, my car Volkswagen Polo HR20Z6318 got minor accident in Sector 46 gurgaon market speed breaker. Due to this mobile oil of car got leaked. I immediately used bajaj alianz road side assistance toying service and sent car to service center. After inspection Volkswagen body shop concluded car engine got seized, as per them if mobile oil gets leaked car engine gets seized within 30 seconds.

Volkswagen body-shop come up with estimate of 4, 26, 000 to replace engine however car IDV is 4, 06, 000 so the case was going towards total loss. Volkswagen bodyshop also suggested engine short block part replacement which may cost around 2, 75, 000.

All these things were discussed with Bajaj Alianz surveyor, manager and Volkswagen bodyshop AGM in a conference call. Bajaj Alianz wanted to go with engine repair prospect but Volkswagen AGM clearly said Volkswagen senior technician does not recommend repair as there are lining on piston and engine will broke down again in future. Still unfortunately Bajaj Alianz come up with repair approved estimate and with 1 month repair warranty. If after repair engine gets broke down again car is of no use and it may also risk someone's life. Engine current run is only 56k.

I hereby request you to please help me in getting justice either by engine part short block replacement or if estimates are high I am ok with total loss with complete IDV settlement. I have attached Volkswagen bodyshop initial estimate 4, 26, 000, approved estimate by bajaj alianz and toying receipts.

Below is brief-up:

1. Accident date - 7th of July ~5:30 PM near Sector 46 market Gurgaon
2. Toying to Sector 52 volkswagen service center from sector 46 - 7th of July ~6:30 PM
3. Toying to Bodyshop sector 18 from sector 52 volkswagen service center - 8th of July
4. In house Survey - 11 July
5. Survey by Bajaj Alianz - 18 July
6. Followed up for more than 1 month to get decision on claim
7. Approval for engine repair - 23 August

Policy No - OG[protected]-00010731

Regards,
Nikhil Arora
+91-[protected]