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[Resolved]  Tata AIG General Insurance Company Ltd — Improper settlement of motor insurance claim

I had purchased a Swift ZXi car and taken delivery on 2007 jan 4th from RNS Motors Bangalore using loan from HDFC Bangalore.
After a severe accident happened on[protected] in vellore, on the way to Chennai, i had given my car in maruti service center vellore
operated by GANESH CARS. My RC Book and driving license of driver was burned partially in the accident.

Communication problems between Ganesh Cars and TATA AIG Insurance surveyor forced us to get the car repaired. Even though the loss was major, tata-aig denied our request for total loss stating that total repair liability does not exceed 75% of the IDV value.
- IDV value of the car was Rs - 4, 79, 000
- Total repair cost is Rs 4, 47, 326.00
- Resale value of our car after repairing is Rs- 2.6 lakhs ( according to maruti pre owned cars - Mandovi Motors Bangalore)

Car was delivered on[protected] after SEVEN MONTHS and 11 DAYS by GANESH CARS which made a GREAT LOSS to us. Initially we were told that car can be repaired within 2 months time. I had called GANESH CARS very frequently and they were giving false
updates about the car. According to TATA AIG surveyor work started in swing only november last week. Finally I needed my car for my marriage preparations. So I strictly warned them that I will take my vehicle and repair in bangalore, If they do not deliver the vehicle on 31st Jan. They agreed to deliver on[protected] and they faxed me a letter stating the same after my continuous request. But they failed to deliver on[protected] also.

After the delivery, we did a checkup for the quality of repair in RNS motors Bangalore. That revealed that there are some rusted components in the car. Chassis has started rusting already because car was kept outside the showroom in extreme weather conditions for long period.

There is another part to our sad story. Because of communication problems, Tata AIG was not ready to pay for certain parts which were replaced by GANESH CARS. They did not bear the cost of 1 door, 2 wheel rims, and dash board
panel as they blame Ganesh cars responsible for that. Initially total loss estimate was given by GANESH CARS, but it was not accepted
by TATA AIG insurance.



AGAINST TATA-AIG:
- Tata-aig rejected total damage proposal by Ganesh Cars.
- Tata-AIG gave me false statement which states that repair liability does not exceed 75% of IDV(Insured Declared Value)
- Refused to bear the cost of 1 door, 2 wheel rims, and dash board panel as they blame Ganesh cars responsible for that.
- Above issue costed us paying entire amount from our pocket as insurance refused to pay.
- Since it is an accident repaired vehicle, resale value of just 1.2 year old car is very less compared to the amount spent for repairing it.


AGAINST GANESH CARS, VELLORE
- Car was in maruti service center "GANESH CARS, VELLORE" from[protected] till[protected]
- Full tank petrol filled by us before accedent was lost. They gave a silly reason saying that petrol got evaporated
- Given false promises every time I approached ganesh cars for delivery date.
- Finally GANESH CARS promised me to delever the car on JANUARY 31ST 2008 which did not happen.
- Post repair check reveals that chassis started rusting and there are other components in the car which are rusted.
- The trust with the car performance is low because of the quality of repair is low

Now we have suffered heavy losses because of Ganesh Cars and Tata-AIG insurance. For 7.5 months, we had to simply pay the car loan EMI without enjoying the comfortableness of having car. Now resale value of the car is less than total repair cost. We are seeking justice for our great loss of money and time period and tension and mental torture faced to retrieve our car back.
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Complaint marked as Resolved Aug 14, 2020
Complaint comments  10 CommentsShareTweet

Comments

Ganesh Cars Pvt Ltd — worst car repair and service by Ganesh Cars

I had purchased a Swift ZXi car and taken delivery on 2007 jan 4th from RNS Motors Bangalore using loan from HDFC Bangalore.
After a severe accident happened on[protected] in vellore, on the way to Chennai, i had given my car in maruti service center vellore
operated by GANESH CARS. My RC Book and driving license of driver was burned partially in the accident.

Communication problems between Ganesh Cars and TATA AIG Insurance surveyor forced us to get the car repaired. Even though the loss was major, tata-aig denied our request for total loss stating that total repair liability does not exceed 75% of the IDV value.
- IDV value of the car was Rs - 4, 79, 000
- Total repair cost is Rs 4, 47, 326.00
- Resale value of our car after repairing is Rs- 2.6 lakhs ( according to maruti pre owned cars - Mandovi Motors Bangalore)

Car was delivered on[protected] after SEVEN MONTHS and 11 DAYS by GANESH CARS which made a GREAT LOSS to us. Initially we were told that car can be repaired within 2 months time. I had called GANESH CARS very frequently and they were giving false
updates about the car. According to TATA AIG surveyor work started in swing only november last week. Finally I needed my car for my marriage preparations. So I strictly warned them that I will take my vehicle and repair in bangalore, If they do not deliver the vehicle on 31st Jan. They agreed to deliver on[protected] and they faxed me a letter stating the same after my continuous request. But they failed to deliver on[protected] also.

After the delivery, we did a checkup for the quality of repair in RNS motors Bangalore. That revealed that there are some rusted components in the car. Chassis has started rusting already because car was kept outside the showroom in extreme weather conditions for long period.

There is another part to our sad story. Because of communication problems, Tata AIG was not ready to pay for certain parts which were replaced by GANESH CARS. They did not bear the cost of 1 door, 2 wheel rims, and dash board
panel as they blame Ganesh cars responsible for that. Initially total loss estimate was given by GANESH CARS, but it was not accepted
by TATA AIG insurance.



AGAINST TATA-AIG:
- Tata-aig rejected total damage proposal by Ganesh Cars.
- Tata-AIG gave me false statement which states that repair liability does not exceed 75% of IDV(Insured Declared Value)
- Refused to bear the cost of 1 door, 2 wheel rims, and dash board panel as they blame Ganesh cars responsible for that.
- Above issue costed us paying entire amount from our pocket as insurance refused to pay.
- Since it is an accident repaired vehicle, resale value of just 1.2 year old car is very less compared to the amount spent for repairing it.


AGAINST GANESH CARS, VELLORE
- Car was in maruti service center "GANESH CARS, VELLORE" from[protected] till[protected]
- Full tank petrol filled by us before accedent was lost. They gave a silly reason saying that petrol got evaporated
- Given false promises every time I approached ganesh cars for delivery date.
- Finally GANESH CARS promised me to delever the car on JANUARY 31ST 2008 which did not happen.
- Post repair check reveals that chassis started rusting and there are other components in the car which are rusted.
- The trust with the car performance is low because of the quality of repair is low

Now we have suffered heavy losses because of Ganesh Cars and Tata-AIG insurance. For 7.5 months, we had to simply pay the car loan EMI without enjoying the comfortableness of having car. Now resale value of the car is less than total repair cost. We are seeking justice for our great loss of money and time period and tension and mental torture faced to retrieve our car back.

Ganesh Cars Vellore — Worst Service by Ganesh Cars

I had purchased a Swift ZXi car and taken delivery on
2007 jan 4th from RNS Motors Bangalore using loan from HDFC Bangalore.
After a severe accident happened on[protected] in vellore, on the way to
Chennai, i had given my car in maruti service center vellore
operated by GANESH CARS. My RC Book and driving license of driver was
burned partially in the accident.

Communication problems between Ganesh Cars and TATA AIG Insurance surveyor
forced us to get the car repaired. Even though the loss was major,
tata-aig denied our request for total loss stating that total repair
liability does not exceed 75% of the IDV value.
- IDV value of the car was Rs - 4, 79, 000
- Total repair cost is Rs 4, 47, 326.00
- Resale value of our car after repairing is Rs- 2.6 lakhs ( according to
maruti pre owned cars - Mandovi Motors Bangalore)

Car was delivered on[protected] after SEVEN MONTHS and 11 DAYS by GANESH
CARS which made a GREAT LOSS to us. Initially we were told that car can be
repaired within 2 months time. I had called GANESH CARS very frequently
and they were giving false
updates about the car. According to TATA AIG surveyor work started in
swing only november last week. Finally I needed my car for my marriage
preparations. So I strictly warned them that I will take my vehicle and
repair in bangalore, If they do not deliver the vehicle on 31st Jan. They
agreed to deliver on[protected] and they faxed me a letter stating the
same after my continuous request. But they failed to deliver on[protected]
also.

After the delivery, we did a checkup for the quality of repair in RNS
motors Bangalore. That revealed that there are some rusted components in
the car. Chassis has started rusting already because car was kept outside
the showroom in extreme weather conditions for long period.

There is another part to our sad story. Because of communication problems,
Tata AIG was not ready to pay for certain parts which were replaced by
GANESH CARS. They did not bear the cost of 1 door, 2 wheel rims, and dash
board
panel as they blame Ganesh cars responsible for that. Initially total loss
estimate was given by GANESH CARS, but it was not accepted
by TATA AIG insurance.


AGAINST GANESH CARS, VELLORE
- Car was in maruti service center "GANESH CARS, VELLORE" from
[protected] till[protected]
- Full tank petrol filled by us before accedent was lost. They gave a
silly reason saying that petrol got evaporated
- Given false promises every time I approached ganesh cars for delivery
date.
- Finally GANESH CARS promised me to delever the car on JANUARY 31ST
2008 which did not happen.
- Post repair check reveals that chassis started rusting and there are
other components in the car which are rusted.
- The trust with the car performance is low because of the quality of
repair is low
Consequences : -The promised time period of repair got extended by more
than 5 months.

-For 7.5 months, we had to simply pay the car loan EMI without enjoying
the comfortableness of having car. Now resale value of the car is less
than total repair cost.

-Post repair check reveals that chassis started rusting and there are
other components in the car which are rusted. In-fact car battery had to
be replaced with-in 3 months from repair period

- The trust with the car performance is low because of the quality of
repair is low

-Great loss of money and time period and tension and mental torture faced
to retrieve our car back.
Hi,
I am also a victim of the poor customer service provided by Ganesh Cars, Vellore. My vehicle met with an accident on 1st August, 2008 and since then, its lying there. They had promised to deliver the vehicle within two months. However, it has been 5 months now and i have not yet been given a delivery date.
i am not sure how do i get back my car.

Regards,
Sainath
vjknbknsd
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TATA AIG GENERAL INSURANCE — delaying & denying claim

Respected Sir,
I purchased mediclaim policy .my policy no. is HCP[protected] in the name of shashi jadav. on 1st of nove. I was admitted in the hospital. I have claimed for Rs.6800/-. co.my claim no.is00010624 officer issued some querries asking past records of illness. however I submitted concern clarification. but still they asking me past records which I don't have.
At neither present since last 15 days their customer care lines are working nor they are contacting me.
every time committement is given that they would be calll back me within 24 hrs.
Can you please let me know what happened to this complaint. My car too met with an accident and the insurance company surveyor is insisting on a repair though prima facie, it's a total loss.
hi friend,

same thing happend with me...

Once when i called the customer care of HSBC credit card they told me about the TATA AIG health policy and my call was transferred to the TATA AIG and the executive explained me benefits of the policy, i did not want to buy but executive requested me too much for the policy so i agreed and bought the policy.

Now listen how they are cheating customers, i falled ill and i was admitted in the hospital due to P. Vivax Malaria. I called the the TATA AIG customer care and registered for claim. They told me they will send the claim form and i need to attach the discharge card and doctor's report with the form to settle the claim. After 3-4 days instead of claim form i received a letter from TATA AIG that your claim can not be settled. I was shocked, i called up the customer care of TATA AIG and they told me it can not be settled because you did not exceeded 90 days, you are in short of around 15 days so your claim can not be settled. I told them to cancel my policy immediately. I dont know whether it is cancelled or not.

So TATA AIG can not settle the claims, those people are interested only in taking money but they can not pay when time comes and they have different execuses when you register a claim. So please be aware of TATA AIG health policy and even all the products of TATA. They are cheating innocent customers.

Faheem Baig
TATA AIG Policy Number : BTHC[protected]
Claim No. :[protected]

Mob: [protected]
My brother had purchased resae INNOVA, as per KILOMETER reading it was just 40000, so he purchased the car, now after 1 month when car went for servicing in TOYOTA SHOWROOM they had cars previous history which stated the exact Kilometer & it was almost double thats 80000, Now we want to know can I logged a complaint against dealer/Owner/seeler of the car
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To Both of you,

My car met with a major accident and the insurance company surveyor is insisting on a repair though it seems a total loss

I think they are using it to bargain.

Please let us know the outcome.
i was purchased maruthi swift last week in ganesh cars thiruvannamalai...the service is very very worst.they are not keep the commitment and the reprasantative especially the MANAGER cannot give any respect to the costomers. in the delivery time they put 1 ltr diesel in my car

very worst..

Jayavardhanan.

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