IFFCO Tokio General Insurance — not getting the appropriate claim

Address:	New Delhi, Delhi, 201012
Website:	Iffcotokio

I am writing in regard to the Claim filed for my Car DL8C AM 2281 (ITG[protected] IFFCO Tokio

Since my Car met with an accident, i filed a claim. Below was the scenario when the accident happened:
The Car was at 70-80 kms/hr and there was a Car in the right lane suddenly took the left turn without giving the indicator.
My father tried stopping the Car however, unfortunately it rammed into in that vehicle minutely form the front. An Autorickshaw driver could not control the auto and hit the Car from the back side (left side) and rolled on the Boot and then the Auto fell down on the road. On the same time, a Bike hit the on the right edge of the Car and the handle rammed into the backlight (right side).

The Auto damaged the Brake light (left side), Boot and the Bumper from the right side and the Bike damaged the Back light (right side).

I tried to explain the same to Mr. Harendra and Vikas (Iffcor Tokio employees) however, they are not agreeing to this point and adamant on their words that this is multiple accidents. I am not able to understand that why are they so adamant to the same when i have explained the scenario.

I am attaching a virtual scenario (drawing) that how the accident happened. Kindly let me know that why this is not possible and how can they blame a customer that he/she is making out stories in order to get the blame. It is strictly showing that your company does not have any faith and trust in their customers. If this is the scenario, then how a customer can trust the IFFCO Tokio insurance company.

This incident is seriously making me feel that why did i opt for Iffco Tokio as i never face such challenges while claiming insurance with my previous insurers.

One of the things which both of the Iffco Tokio employees were saying that i am clubbing two damages in one. I just want to clarify the same that i have claimed at the same instance whenever the accident or hit happened and this can be checked by the claim history as well. Till date i have not got the No claim bonus as every year, once or twice i get the Car repaired due to major or minor accidents.

Just due to this, my Car is in the Showroom since 9 days and i have to commute by public transport or OLA, wasting my hard earned money.

It would have been better that i would have bought a normal policy rather zero dep as in that scenario i would have saved some bucks and wouldn't have to be after the Iffco tokio guys for the approval.

Kindly note that i have escalated this to the upper level as well in Iffco tkio however, did not receive a revert from any (below are the email address i sent my complaint on).

Looking forward for your anticipation.

Regards,
Rahul Mehta

Contact details for Iffco Tokyo:

Vikas Sagar (Surveyor) - [protected]
Harendra - [protected]
Email address :
[protected]@iffcotokio.co.in,
[protected]@iffcotokio.co.in,
Anil.[protected]@iffcotokio.co.in,
[protected]@iffcotokio.co.in,
hiren.[protected]@iffcotokio.co.in,
[protected]@iffcotokio.co.in

Contact details for Honda Showroom (where my Car is getting repaired):

Prime Honda, Vaishaili, Ghaziabad UP
Mr.Rawat - [protected] (Manager)
Ratneesh (Advisor) - [protected]