[Resolved]  Bajaj Allianz — Car motor insurance

Address:	560037
Website:	www.bajajallianz.com

Dear office of the insurance ombudsman,

My name is aslam latheef and i hold a motor general insurance from the company called bajaj alliance.

Case : skoda rapid i.6 tdr accident
Policy number : og[protected]-[protected]zero depreciation cover)
Car number : ka05 - mc -7305
Claim number : oc[protected]-00011467
Km driven : 11100
Date of purchase : 5th november-2015

I met with an accident, on mysore - bangalore highway. where my body lining of car has been damaged. i have a feedback from the insurance company survey office (who is independent) did the survey and approved the partial amount of claim (considering the one incident damage was occurred in two times)

Please find the detailed email history - attached and i have also dropped a written complain to below address
Office of the insurance ombudsman,
Jeevan soudha building,
Pid no.57-27-n-19,
Ground floor, 19/19, 24th main road,
Jp nagar, 1st phase,
Bengaluru-560 078.
Tel.:[protected] / 26652049
Email:- bimalokpal. [protected]@gbic.co.in

Other than this - i have also raised a complaint with bajaj alliance which has no response from any customer suppor team. below are the contact detials
Complaint :[protected] has been registered in customer care / along copying a email to head of customer care service. please find snap’s/ scan /policy details attached : https://drive.google.com/drive/folders/0b2u-z1i-iganm2dsctywddntufu?usp=sharing

Please guide / acknowledge further.

Many thanks

Aslam latheef
Bsc, mba, llb
M:[protected]
E:[protected]@gremsi.com

On mon, sep 26, 2016 at 1:14 pm, latheef wrote:
Hello nagaraj,

Again i am trying clarify and declare. this is caused by the same incident. like i cleared told that i could not able to note the details of thrid party vehicle in the responsive time that took to understand the whole incident.

When you blaming that the damage is not occurred in the same incident - then provide me valid justification how/ when / why it could not have happen.

I have already given you clear statement in written and explanation as well. i have only submitted my car in skoda center for service - you can take opinion of service center rather blaming your customer. did service center told you that these damages are occurred in two different time? if so then please send me the email.

I think you are trying to show, how rude you can be with your customer if in case if they ask you the right claim. and let me remind you - you are not giving here any charity. i paid my insurance properly and i have complete right to ask for claim for the exact damages occurred.

Many thanks
Aslam latheef

On mon, sep 26, 2016 at 1:02 pm, nagaraj gowda wrote:
Dear aslam,

Lh front door & running board damages are not relevant to the cause of loss hence same was not approved.

Or else please provide me third party vehicle details then we'll investigate the loss.

—
With regards.

K. b. nagaraja
Surveyor & loss assessor
Mob - [protected]

On 26 september 2016 at 12:47, latheef wrote:
Hello nagaraj

What do you mean by partial damage, the dent on the door is partial damage / the dents on body rail is partial damage.? i have paid for "0" depression policy.
Please read the policy agreement if you can.

There is no partial / full damage. there is just damage which would need to be addressed.

You are just approving partial claim / for my full payment.

Many thanks
Aslam latheef

On mon, sep 26, 2016 at 12:40 pm, nagaraj gowda wrote:
Dear aslam,

I am not approving partial damages and i have approved the damages which are relevant to the cause of loss.

—
With regards.

K. b. nagaraja
Surveyor & loss assessor
Mob - [protected]

On 26 september 2016 at 12:33, aslam latheef wrote:
Hello nagaraj

Like i clearly said, the over all damage was happened in one incident, at same time and with racing bikes.

I will not accept the partial claims since i have not paid any partial premium for my car. pics has already been attached / you can review them if you want.

Many thanks
Aslam

On 26-sep-2016, at 12:31 pm, nagaraj gowda wrote:

Dear sir,

Please go through trial mail for your claim approval.

—
With regards.

K. b. nagaraja
Surveyor & loss assessor
Mob - [protected]

On 26 september 2016 at 12:01, aslam latheef wrote:
Adding right email address of ombudsman.

On 26-sep-2016, at 12:00 pm, aslam latheef wrote:

Hello customer team / nagaraj

I have no reply from bajaj alliance nor the survey officer. and tryingto reach claim head of bajaj alliance

Complaint :[protected] has been registered in customer care / along copying a email to head of customer care service.
Please find snap’s/ scan /policy details attached : https://drive.google.com/drive/folders/0b2u-z1i-iganm2dsctywddntufu?usp=sharing

Adding required ombudsman.

If this is not resolved asap then i would be proceeding ahead with legal filing.

Many thanks
Aslam latheef
M:[protected]
E:[protected]@gremsi.com

On 24-sep-2016, at 6:00 pm, aslam latheef wrote:

Hello dear irda cell / bami customer care

I have raised a claim on 21st-sep, 2016 with the regards to the accident i met. and please find my policy details /claim details below.

Case : skoda rapid i.6 tdr accident
Policy number : og[protected]-[protected]zero depreciation cover)
Car number : ka05 - mc -7305
Claim number : oc[protected]-00011467
Km driven : 11100
Date of purchase : 5th november-2015

I hold 10 years old valid driving license, i have bought my car on nov-15, i am facing lot of issues in getting approvals for my claim. please find the details below.

Nature of accident and explanation
Date :18-sep-2016

Three motor cyclist was racing on mysore - bangalore highway and there have reached a possible speed in competing, one racer had hit my car on right hand side trail light and body lining, and another bike was involved scratch of body lining with a dent of left door which was stopped at the signal with the intention of chase and cross covering from the signal

There was accidental damage occurred on body lining (both left and right) of car due to the hit and scratch off the bike in that speed. and /with there is no damage occurred to property /life, and there was no major / minor casualties occurred.
We couldn't get hold of the motor cyclist in the responsive time that we have taken to understand the incident - motorcyclist has already left the accidental spot in the fraction.

There are couple of issues with my insurance vendor bajaj alliance

I tried reaching on bajaj alliance customer care which i could not able to reach customer cars from toll free,
I reached a customer care by paid number and i raised a claim request and customer care promised me, my car will undergo for survey in 24 hours and i have update with in 24 hours.
It took 48 hours and my chase up to get the survey done.
After 72 hours i received a first approval for few of my damaged items (replace right side tail lamp. replace rear bumper. repair & paint right side quarter panel. repair & paint left side front door.5. repair & paint left side running board.)
When i raised a concern about the left hand side body lining - survey officer denied and they completely to took out left side body panel.

Additionally : survey officer informed me that his the other dent would have occurred with some other reason. even after clear explanation over phone and repeated chase up i don't have any response from the claim officer.

I called 3 times - my calls are ignored. on 4th time claim officer denied to update about the claim stating office hours closure.

I would request you to kindly take this as complaint. i had left my car in vinayak skoda and its already been 4 days and continuing, due to this i am facing lot of hassles in transport delays and mental stress in chasing for these things apart from my work. please find the below communication took place. i want this to sorted as soon as possible as i do not have alternate transport option to my office work.

I have not paid partial amount to insure my car and life to accept the partial claim - then what would be need of insuring car?

I will be sending you all the email copies / photos of damages occurred / screenshot of call history / receipt of vinayak car garage to below address
Consumer affairs department
Insurance regulatory and development authority
3-5-817/818, united india towers, 9th floor
Hyderguda, basheerbagh
Hyderabad – 500 029

Kindly acknowledge the same on receipt.

Many thanks
Aslam latheef
M:[protected]
E: [protected]@gremsi.com

On 24-sep-2016, at 4:45 pm, aslam latheef wrote:

Hello customer care

Please action on this, i have just added irda complaint email id.

If there is no further response - i will be proceeding ahead with irda gro for the same and i will moving ahead with legal case file on monday.

Many thanks
Aslam

On 24-sep-2016, at 4:30 pm, aslam latheef wrote:

Hello nagaraj

I tried reaching you couple of time time over a call, but there is no response from your end neither on email nor on mobile.

There is inconvenience for me, if partial claim is going to be approved then i have decided to take my car from garage and would be reaching irda-ombudsman / consumer cell. its already been 4th day there is no much response from bajaj allaince end.

Please respond asap.

@vinayak car : please go proceed on my confirmation.

Many thanks
Aslam latheef

On 24-sep-2016, at 3:54 pm, aslam latheef wrote:

Nagaraj,

I am waiting for your final conclusion, let me know soon - i need to pick up my car.

Many thanks
Aslam latheef

On 24-sep-2016, at 3:04 pm, aslam latheef wrote:

Hello nagaraj

We are not here for taking benefit of doubt. business doesn't work in that way.

I have given you clear explanation what was happened. we also discussed the same thing over phone, if you dont want to release a claim doubting on customer or to avoid paying your customer even in this situation then i am helpless and i will not accept the approvals you are providing. i will reach directly to irda and consumer forum.

I am your customer who has taken bumper to bumper insurance and i met with an accident where my car is body lining damaged and below are the repair that needed to be taken care.

Below damages should be taken care
1 replace right side tail lamp.

2 replace rear bumper.

3 repair & paint right side quarter panel.

4 repair & paint left side front door.

5 repair & paint left side running board.

6 paint job on my left side quarter panel / left back door

If you are going to approve the partial repair, let me clear i would not accept the claim.

Just to add explanation to your below email

First three is already approved.

Fourth & fifth one is not related to the cause of accident (its not a two wheeler hit)
Six one can be approve on the benefit of doubt.
Above approval is the final.
Just in case if you know, bike also has mud guard, handle, foot rest, and also brake peddle on right hand side (which is left hand to my car) - if some one touches over a certain speed scratches will occur. and the door dent and lower body rail dent occurred bike leg gaurd, break peddle and foot rest (depending on the angle of slang of bike)

I cannot accept your final approval, i can only accept for complete damage not for partial. i am going to copy irda from my email and i dont have chase being a victim.

Many thanks
Aslam latheef

On 24-sep-2016, at 2:22 pm, nagaraj gowda wrote:

Dear sir,

First three is already approved.

Fourth & fifth one is not related to the cause of accident (its not a two wheeler hit)

Six one can be approve on the benefit of doubt.

Above approval is the final.

—
With regards.

K. b. nagaraja
Surveyor & loss assessor
Mob - [protected]


On 24 september 2016 at 14:09, aslam latheef wrote:
Hello nagaraj

I need my claim to be approved for the damage occurred. this is a new card which i purchased, and i hold driving license from 2007 onwards - i am an executive professional, and i have no interest on false claim just to make a clear.

Below damages should be taken care
1 replace right side tail lamp.

2 replace rear bumper.

3 repair & paint right side quarter panel.

4 repair & paint left side front door.

5 repair & paint left side running board.

6 paint job on my left side quarter panel / left back door

Please check and approve the same

Many thanks

Aslam

On 24-sep-2016, at 1:45 pm, nagaraj gowda wrote:

Dear mr. aslam,

Still what do you want to approve?

—
With regards.

K. b. nagaraja
Surveyor & loss assessor
Mob - [protected]

On 24 september 2016 at 13:27, aslam latheef wrote:
Hello nagaraj

I disagree - there is typo there, i mentioned right door - please go ahead and inspect right door (there is nothing happened). if you want you re-inspect the same if you want.
Just to add you with i am attaching the declaration which i had sent you.
— — — — — — —
Hello mr. nagaraj

As discussed, this mail brings to kind notice about the incident for claim registered oc[protected]-00011467

Nature of accident and explanation

Three motor cyclist (pulsar 220, apache rtr, yamaha rx100) was racing on mysore - bangalore highway and there have reached a possible speed in competing, one racer had hit my car on right hand side trail light and body lining, and another bike was involved scratch of body lining with a dent of right door which was stopped at the signal with the intention of chase and cross overing from the signal

There was accidental damage occurred on body lining (both left and right) of car due to the hit and scratch off the bike in that speed. and /with there is no damage occurred to property /life, and there was no major / minor casualties occurred.
We couldn't get hold of the motor cyclist in the responsive time that we have taken to understand the incident - motorcyclist has already left the accidental spot in the fraction.

I hereby declare that this whole incident with notice is true. and i would request you to approve the claim asap as the car has already dropped as vinayak skoda service center.

Please find my car and policy details enclosed below
Case : skoda rapid i.6 tdr accident
Policy number : og[protected]-00054413
Car number : ka53 - mc -7305
Claim number : oc[protected]-00011467

Many thanks
Aslam latheef
Bsc, mba, llb
Md, pi business solutions llp
M : +91-[protected]
O : +91-[protected]
E: [protected]@gremsi.com
[protected]@pibs.in
— — — — — — — — — — — — —

Please refer my complete email declaration, and also i have given the written statement on the policy claim paper submitted with a clear indication what was happened - and the same i have given clear explanation over call as well and i hope you have already taken snap of it.
We are not doing any charity here - i am asking my right to claim with the incident occurred and i pay insurance only to secure my complete vehicle and life - neither i have paid a partial amount to insure partial service.

Please approve the same on the claim accordingly.

Many thanks
Aslam

On 24-sep-2016, at 1:07 pm, nagaraj gowda wrote:

Dear ansar pasha,

There is a small changes in my approval (by over site i have mentioned left side door & running board)

Please go ahead with below mentioned work as per cause of accident.

Replace tail lamp.
Replace rear bumper.
Repair & painting right side quarter panel.

Other side.

Dear aslam,

As per your cause of accident i have approved above damages and there is no damages to right side door hence same was disallowed.

Please go through your written statement.

With regards.

K. b. nagaraja
Surveyor & loss assessor
#266/b, 1st floor, 36th a cross,
7th block, jayanagara,
Kanakapura road, bangalore 560082
Land line - [protected]
Mob - [protected]

On 24 september 2016 at 12:24, aslam latheef wrote:
Hey nagaraj,

I have explained you that as well, that the body linining on left hand side and right hand side has been impacted.

"three motor cyclist (pulsar 220, apache rtr, yamaha rx100) was racing on mysore - bangalore highway and there have reached a possible speed in competing, one racer had hit my car on right hand side trail light and body lining, and another bike was involved scratch of body lining with a dent of right door which was stopped at the signal with the intention of chase and cross overing from the signal"

Please check and approve the same.

Many thanks
Aslam latheef

On 24-sep-2016, at 11:34 am, nagaraj gowda wrote:

Dear aslam,

I have approved damages as per your cause of accident and explanation.

—
With regards.

K. b. nagaraja
Surveyor & loss assessor
Mob - [protected]


On 24 september 2016 at 11:26, aslam latheef wrote:
Hello nagaraj

There is also left side quarter panel not included it is also scratched paint job need to be done. please check and approve the same.

Let me know if you have any question.

Many thanks
Aslam

On 24-sep-2016, at 11:17 am, nagaraj gowda wrote:

Dear ansar pasha,

Please go ahead with below mentioned work.

Replace right side tail lamp.
Replace rear bumper.
Repair & paint right side quarter panel.
Repair & paint left side front door.
Repair & paint left side running board.
Above approval is subject to policy terms & conditions.

Please feel free to contact under signed for any clarification.

—
With regards.

K. b. nagaraja
Surveyor & loss assessor
#266/b, 1st floor, 36th a cross,
7th block, jayanagara,
Kanakapura road, bangalore 560082
Land line - [protected]
Mob - [protected]