[Resolved]  HDFC Bank Ergo General Insurance — Entire claim not provided

Address:	New Delhi, Delhi, 110019
Website:	www.hdfcergo.com/customer-care/grievances.html

I am the owner of a Renault Duster RXE - Vehicle number : DL8CZ 7013 I had applied for a claim at the Okhla Service Center : Claim Policy Number C[protected]. A cement truck dropping off pebbles on the road, one pebble had landed on my windshield, which i later saw had cracked.( First the crack was small, then it spread in 3 days). I had braked and let the truck pass as the lights turned red. Same instance a white sedan was trying to take a U-turn, hit my parked car's entire left side and drove away. The same issue was reported while trying to claim. At first the agents refused to give my windshield claim, saying both things couldn't have happened . Then my Renault service agent called to inform me that the front fender and the doors were approved. On that call i didn't realize that they had refused to add my back bumper to the claim. So i called the senior agent to approve my windshield since it was the same accident and anything can happen. Accidents don't just happen the way we think can happen. Meanwhile the agents informed me that i can get my windshield replaced on a 2nd claim. What they still didn't tell me was that the value of the car will drop down with each claim. When i went to pick up my car, i saw that the back bumper was not repaired. And the car doors were just painted and the dents removed. On asking the agent he informed me that the claim was refused for the back bumper and the doors and front were approved for claim. When I called the concerned representative he kept insisting that the back bumper was an old accident and that it was rusted. The part HDFC ergo refused claim on was not rusted. My car is washed each day and there is a Neem Tree under which my car is parked. The dent was allowing water to settle and needed to be scrubbed clean each day. If there is at all any sign of rust, its because I was unable to drain out all water, for 5 days before the car was sent for claim inspection. What i want to know is how is half the story accepted and the other half neglected? I was the one in the accident and with the car. I should know how it was damaged. How can someone on mere look tell me one dent is from present accident and the other is from a previous accident? If for one instance i take it by the agents word, then its simply not possible that the back door wont have taken any damage when the area right adjacent to is hammered in! And if any one applies even the basis sense, a small part like that cannot possibly have taken a hit without impacting the side, back or the door, which too were damaged in the same accident. I cannot accept the fact that HDFC ergo would give half the claim and start making up their own stories, based on their own conclusions. Because in that case they shouldn't even bother to ask the customer what happened if they are so easily able to tell the cause and process of the accident ! I have one request. Either give me my entire claim or NO claim at all. I want my zero debt back, as if the insurance company wishes to remake the same damages they can. Because i refused to be tricked into saying yes to big car body part words. On phone they accept me to understand what was approved. what wasn't approved. What part of the story they will accept and what part they will force false so that they don't have to pay up. Ladies are not in all parts of the cars, but they do understand when they are trying to be made a fool. The entire accident happened as was told. No lies. I refuse to be forced into half a story simply because your insurance company thinks otherwise. Please resolve this issue.