[Resolved]  HDFC Bank ERGO General Insurance Co Ltd — deletions in motor claim

Address:

Coimbatore, Tamil Nadu

From.
P.V.Unnithan Coimbatore
18.Ramalinga Nagar [protected]
1st.Cross
Coimbatore.641038

To.
HDFC Ergo General Insurance Co.Ltd
6th Floor.Leela Business Park.
Andheri Kurla Road
Andheri(East).Mumbai.400069
Sir,
Re:Clim on my vehicle Cheverlt Cruz LTZ No:TN38 BB 5011,Your Claim No:C[protected] Policy No:[protected]

The above vehicle met with accident on21/6/211 due to the fault of lorry No:TNJ 7969.I left the
Vehicle with Anamallais Coimbatore who is the dealer for this vehicle. Your surveyor inspected the vehicle and sent report to you with out informing or discussing with me.I came to know about the details only after receiving copy of the survey report work sheet by E-Mail on20/7/2011from you.

While taking delivery of the vehicle I had paid Rs 42596 ,even though the depreciation and policy exes comes to Rs34262 only.
The left side rear view mirror was damaged while the lorry driver was jumping from his vehicle to left side of my vehicle. According to the dealer, which is not included in the estimate under the instruction by your surveyor. This damage sustained at the same time of accident and it is the part of accident.

The dealer has given me another estimate on 13/7/2011 for the mirror and the upholsry cleaning for Rs,129929(The split up is Rs/9738cost of mirror&3253as labour).The upholstery became dirty due to the removal and refit, welding carbons etc during the course of repair ,according to the dealer this was not included in the estimate under the instruction of surveyor. This is part of accident repair.

The dealer has billed labour charges Rs.37502 as against your sanction of Rs.37166

The following items which are damaged, replaced and billed to me by the dealer is not allowed by you.

Part no description vat quantity rate taxable
1.J09114472 NUT,BPR 12.5 4 66.67 266.68
2.J11516754 NUT,RR/BPR 12.5 6 46.22 277.32
3.J1157067 BOLT, RR/NH 12.5 6 21.33 127.98
4.J11571121 NUT ,T/LP 12.5 16 6 64.00
5.J11571122 NUT,T/LP 12.5 4 8.89 35.56
6.J11589289 RETAINER 12.5 10 16 160.00
7.J11609341 BOLT,R CMPT 12.5 2 19.56 39.12
8.J11609457 BOLT ,BPR/FACIA 12.5 4 6.22 24.88
9.J11609532 PLATE,RR BPR 12.5 2 33.78 67.56
10.J13144822 BOLT,BPR FACIA 12.5 6 16.89 101.34 11.J94501629 BOLT 12.5 4 24 96.00
12.J94520166 SCREW 12.5 10 9.78 97.80
13.J94530566 CLIP 12,5 10 7.11 71.10
14.J94833089 GUIDE,RR/BPR 12.5 1 164.44 164.44
15.J94833090 GUIDE,RR/BPR 12.5 1 164.44 164.44
16.J95953822 EMBLEM 12.5 1 792.89 792.89
17.J96169594 BUMPER HOOD 12.5 2 18.67 37.34
18.J96185310 BUMPER ARM 12.5 2 14.22 28.44
19.J96379720 CLIP-SPRING 12.5 1 64.00 64.00
20.J96412007 HOOK 12.5 1 27.56 27.56
21.J96962847 GUIDE,RR/BPR 12.5 1 120.89 120.89
22.J96962848 GUIDE,RR/BPR 12.5 1 120.89 120.89

TOTAL. 2950.23

For the below mentioned parts you have allowed much less than the list prise

Part no name list prise tax amount allowed
J96832583 MOLDING 648.89 12.5 348.89

You have deducted Rs.2200 as salvage value. I am not interested in the savage ,which you can collect from the dealer and pay me the amount.(this salvage will not fetch more than RS.150) The surveyor recommended this amount and deleted all the above items only on the intention of reducing claim amount and penalising me. This is against natural justice &violation of the insurance contract& policy conditions. The policy condition says ,the vehicle should be repaired to pre accident condition. No ware in the policy says the savage value fixed by you will be deducted from the claim amount

I request you to sanction all the above items and sent me the cheque . If I am not received any reply with in a week time, I have no other alternative except to seek for other avenues which is on your account.

Thanking you in anticipation of favourable action

Yours faith fully


P.v.unnithan