The Oriental Insurance Company Limited — Urgent Request for Settlement of Claim

Dear Sir,

I am writing to express my serious concern regarding the prolonged delay in settlement of my insurance claim and the non-release of my vehicle, which has caused me significant financial loss, inconvenience, and mental stress for the last 45 days.

Policy Number: 242596/31/2027/TMP/2733
Claim Number: 220015/31/2027/PRTLC/00030002
Vehicle Number: UP64BB3731

My vehicle is insured under a Zero Depreciation Policy issued by Oriental Insurance Company Ltd. The vehicle met with an accident in which, unfortunately, a third-party fatality occurred. Following the accident, the vehicle was seized as part of the legal proceedings.

I would like to inform you that all required legal formalities have already been completed. The Hon'ble Court has released the vehicle on Supurdgi, and the driver has also been granted bail. The necessary documents have been submitted to the concerned authorities.

Further, the Third-Party Liability Insurance Policy is issued by United India Insurance Company Ltd. under Policy No. [protected]P[protected]. Therefore, any liability relating to third-party compensation is covered under the Third-Party Liability Policy and is to be dealt with by the concerned insurer as per law.

However, I have been informed by representatives of Oriental Insurance that my own damage claim will not be settled until the court case is finally concluded. I am unable to understand the reason for withholding my claim when:

My vehicle is covered under a valid Zero Depreciation Policy.
The vehicle has already been released by the Court.
The repair work has been completed by Sonbhadra Auto.
The claim was registered under the Cashless Repair Facility.
All required documents and legal formalities have been completed.

At the time of vehicle submission, Sonbhadra Auto informed me that the repair would be carried out on a cashless basis. Now, after completion of repairs, I am being asked to make an additional payment before the vehicle can be released. No clear explanation has been provided regarding the basis of these charges or their admissibility under my Zero Depreciation Policy.

My vehicle is fully repaired and ready for delivery, but due to the pending claim decision, I am still unable to take possession of it. I have been continuously following up for the last 45 days without receiving any satisfactory resolution.

I request you to:

Expedite the settlement of Claim No. 220015/31/2027/PRTLC/00030002.
Clarify the specific policy provision under which my claim is being withheld pending disposal of the court case.
Confirm whether any amount demanded by Sonbhadra Auto is actually payable by me and provide a detailed breakup of the same.
Coordinate with Sonbhadra Auto and the concerned claim officials for immediate release of my vehicle.
Provide a written reply regarding the current status of my claim and the reason for the delay.

I sincerely request your immediate intervention and resolution of this matter. In case the claim continues to remain unsettled without valid justification, I shall be constrained to escalate this matter to the higher authorities of Oriental Insurance, the Insurance Ombudsman, and IRDAI for appropriate redressal.

I look forward to your prompt response and early settlement of my claim.