[Resolved]  HDFC Bank Ergo — Car Insurance claim

My Car bearing no. WB38L 5005 covered under HDFC insurance vide Policy no. VP[protected] met with an accident on 26.05.2008 on the NH31 under Bidhannagar IPS. The information was given to Mr. Seshadri, Claims Officer on 27.05.08. Claim no. 240211 dated 30.05.08. Inspection by HDFC appointed surveyor on 30.05.08. Till then getting no response from them I contacted [protected]@HDFCERGO.com on 08.07.08. After then they appointed their company surveyor and mailed me one vague asessment to start the repairing process and after making payment by me they will settle the reimbursement. After much persuation they confirmed me certain repairing scope on 24.07.08 which do not cover all the visual accidental damages.
My last Mail is as below :
From Ashok Podder <[protected]@gmail.com>
To seshadri.[protected]@hdfcergo.com

Cc [protected]@hdfcergo.com

Date Thu, Aug 7, 2008 at 12:19 AM
Subject Repair Settlement of WB 38L 5005
mailed-bygmail.com


Dear Sir,

i) On dated 24/07/08 you have communicated to me for the 1st. time about your assessment of repairs and in reply I informed you on 26/07/08 about deletion of certain visual damages. But surprisingly neither you agree nor you disagree with my findings and only you have been insisting me to ask the repairer to go ahead with the repairing without any settlement i.e., you are trying to cut short / limit the visual accidental damages.
ii) I did request you long ago to repair my car at any OEM authorized workshop of your choice but you did not pay attention towards he same and on the contrary you are trying to defame the repairer by remarking "a dealer having a monopoly and demanding unusual charges", "the repair estimate submitted by the repairer is very much exaggerated and without basis" etc.
iii) I did request you only to depute any independent surveyor to assess the visually acceptable accidental damages in front of me and so I visited the workshop with prior intimation to you on 4th & 5th Aug'08 to interact with your deputed person, as you did not bother to intimate me that you would not send anybody on those dates.
iv) Insurance act says that independent Surveyor will check and assess the scope of repairs and replacement of parts necessary against the accidental damages. But violating the same you deputed your company surveyor/assessor and communicated me the assessment made by him. Now I am to conclude that your person intentionally overlooked many visual damages.
v) My intention was to start the repair process after acceptable settlement of the accidental damages which are clear before eyes. Of course the hidden damages which can be identified after dismantling during the repair process, can be finalized after time to time inspections and acceptance of accidental damages.
vi) I did mention several times since the claim regarding avoidable damages due to daily heat, rain, dust & other pollutions which can be minimized if you act properly and timely with due consideration of your company's motto of Customer's satisfaction.
vii) As my vehicle has been deformed from original shape that has affected the vehicle's structural integrity due to the accident, which reveals from all around visual inspection, the repair / restoration to the originality will certainly claim more labour charges than your assessor is reflecting if OEM guidelines are followed, which can be had from any Maruti-Suzuki authorized repairer after showing them in details.
viii) From the place of accident the vehicle was towed to the nearest Maruti-Suzuki authorized repairer's shop. I am yet to get the reimbursement of towing charges, which I didn't claim till date, as I was being told from all concerned that the reimbursement bill will be processed after finalization of the claim.


With best wishes,

Ashok Podder