[Resolved]  United India Insurance Company Limited — TIME DELAYING TACTICS & NON REIMBURSEMENT OF BIKE THEFT

Subject: Regarding Bike Insurance Claim Policy No. 071803/31/07/01/00009345
Vehicle No. : KA-51-K-4365

Dear Sir,
I am stated with the way my bike insurance claim matter has been handled by the team o[censored]nited India insurance. Enclosed is the list of events that happened in past few months and due to which i lost all my faith in insurance industry.
1. My bike Bajaj Pulsar 150 (2007 model , Vehicle No. : KA-51-K-4365) got stolen on 4th october 2008 from koramangla.
2. The bike was recovered by Vivek Nagar police station.
3. I inquired from insurance office and as suggested by them, I submitted the insurance claim form with all the relevant documents on 2 feb 2009. PS. "Receipt on a paper as Received letter for Traced Vehicle and ALL Vehicular documents. Signed 2/2/09"
4. I was told that the after the inspection of the bike at the service centre by insurance company inspector the evaluated and approved amount would be approved and the bike servicing order would be released to the service center [Amba Bajaj boman hali hosur road 560068].
5. The inspection of bike at service center was done by Mr. Dev anand [Mobile : [protected]] and I was told that the the inspection has been done and he had submitted the report at bangalore office o[censored]nited Insurance.
6. A few weeks later I was called by the service station that there has been no release order for servicing of bike from insurance company.
7. I called up Mr. Dev anand and he said that there he had submitted the document and another inspection from police station is due. But still after few weeks no response was given to me or the service station office.
8. I went to United Insurance office and was told that I had to submit another document from the police station stating that the bike has what kind of damage and what should be the repairing cost involved. Upon showing the recipt i had got stating "Receipt on a paper as Received letter for Traced Vehicle and ALL Vehicular documents. Signed 2/2/09". I was told that where does this specifies that police document is received. and to add to my frustration that its my fault that I didn’t submit the document
*Why wasn't i told that this document is required at the 1st time?
my simple question is why wasn't i asked about leaving document[i dont know how many more i am supposed to ..] at the time of submission ??
Isn't their responsibility to check if for a particular claim / form if all the documents are submitted ???
And i must tell the the lady did recheck the list twice before giving me the receipt for the application submitted .
9. With due respect sir I was never told at the time of application and other document submission [2/2/09]about this new document from police also when I myself had asked insurance office before recovering the bike from the police station if any inspection or concerned authority need to be present at the police station before receiving bike .But I was told that to collect bike and submit bill from the service center and submit the FIR/insurance copy etc documents that I did and I must say till then the staff was really very co operative they even promised that it will be an easy procedure and I needn’t panic . Now after so much time I was told about this new document.
Why didn’t they tell me about this new document when i submitted the application ?
Why did they ask only after several phone conversation and weeks when i personally visited and inquired about the status ?? I did go to the police station but they say that they are not practically the service / mechanic guys to evaluate the damage they had done their job and if the insurance people want they can always check at the police station.

Sir in this whole story where is my fault the last communication I had from insurance office was that bring the document from police station or else there is nothing can be done. Sir the bike’s damage cum stolen parts are worth 38,602/- Rs which is a huge amount I have already spent so much time and money in this whole police station - insurance - service station personal visit and phone conversation process.
Every week I am getting call from the servicing company for Bike service order status and there isn’t a single penny help from insurance office instead rude behavior .The service station people are also losing patience.
Is this the way customers are treated United Insurance? Rather i would say cheated .. I don’t know if you understand my situation or the mental harassment I am going through with all this sufferings that too without me being at any fault. I would be highly obliged that if someone could look into this matter personally.

I always respected and admired the UNITED INSURANCE group services but all my beliefs and trust is devasted after this sudden change in the behaviour of the staff / company when it comes to claim process of your loss.
For sure i am not going to recommend any one to take insurance from United India, i am anticipating a quick resolution from the insurance company side as it is getting almost a year for which i am suffering and frustated without a mistake of mine.

Please help me to get claim from insurance company and suggest me an option to initiate a legal action against UNITED INDIA INSURANCE.

Regards,
Kunal Joshi,
[protected]