United India Insurance Company [UIIC] — motor vehicle insurance

Address:

144001

Vehical no. Pb 08 bk 0010
Policy no. : [protected]p[protected]
Claim no. : [protected]c[protected]
Idv value : rs. 664949/-
Insured company : united india insurance co. Ltd. (Uiic)
Broker name : toyota tsusho insurance broker india ltd
Irda licence no. Db-403/08/0431
Policy no. Tui/11279642
Previous policy no. Tsb/30063145
Product type : add on (With nil dep., personal belonging, key protect)
Period of insurance : 03-may-2017 to 02-may-2018.

I, dr. Surjeet kaur, i am a gynaecologist & obstetrician doctor by profession. I bought toyota innova in 2013 from jalandhar punjab. I use this vehicle for my day to day routine. When i bought vehicle in 2013 on delivery of vehical i took toyota protect insurance from authorised toyota dealer and continuously renewed insurance every year from toyota tsusho insurance broker india limited.

On 21st july 2017 my car met with an accident at krukshetra. I lodged complaint with toyota dealer and they further intimated the said insurance company on 25th july 2017. Received message from tkm :

“your claim is registered as clm11279642/123660. For support, please mail at [protected]@ttibi.co.in / call [protected] ttibi”.

As a lay women and a widow lady, i followed insurance company they told me to release the vehicle on sburdgari from hour able court krukshetra and then make estimate. I done the same and taken estimate from toyota dealer and submitted the same to the surveyor mr. Rajeshwar (I was told he was appointed). Estimate of rs. 1223493.91/-. They declared the vehicle total loss. After that we received letter from united india insurance co. Ltd. On 27th december 2017 to release the vehical from court /police and give us your consent on attached format to proceed further. I requested to hour able court of krukshetra to give permission to handover the vehicle to insurance company on total loss basis. I got permission from the said court for handing over the vehicle to insurance company copy attached. I submitted the court order copy to jalandhar united india insurance co. Ltd office. Then after fifteen days i received a call from uiic to come and get the documents for release of payment. On there request i visited there office and i was surprised to see that they were paying me 162949/- against my idv of rs. 664949/-. I asked them whats the mode of settlement of payment against my idv value of rs. 664949/-. They were unable to explain.

As and when they asked documents we then provided them. After this harassment we approached uiic grievance cell. Grievance number pg[protected]. But no response. Talk to toyota people but always get message from them we are communicating with uiic people. Will come to resolution.

I fail to understand the mode of settlement of paying rs. 162949/- against my idv of rs. 664949/-.

After such request we received one day a mail from toyota protect representative mrs prabha and with trailing mail o[censored]iic stating with false ple that we have transferred our vip no. To another vehical and this accident vehical got new registration no. We asked them who is cooking this all false stories. This is a false ple taken by them for not paying the claim as today the vehicle is having same registration number pb08bk0010 from purchase of new vehicle.
Please note : when i studied this ple i got to know that my car appointed surviour mr rajeshwar is looking for money. He wants to sell the vehical to scrap dealer and also wants to sale my cars vip no. Pb08bk0010 to earn money. As i clearly told him to cancel my registration in rto and pay my claim. So due to his personal interest he made all mess in settling up of my claim what i got feed back and certain people o[censored]iic asked money for settling of the claim.

Continuously they are giving some and other false pleas for not settling the claim. For not paying my claim.

We buy insurance from toyota tsusho insurance broker india limited on much higher price from the market and we were told by toyota dealer that no hassle only claus of rs.2000/- will be deducted rest amount you will get paid in case of minor damage or major damages. These car companies are selling higher price insurance from market and customer buys these insurances from toyota to see hassle free in settlement of claims but i am afraid to see such a gesture o[censored]nited india insurance co. Ltd.

I am writing to irda with ray of hope that i am a widow lady and you can understand how much i got harassed by these uiic people for not settling my claim against my idv value. I further pray to you to take strict action against surveyor mr rajeshwar singh from jalandhar punjab, united india insurance co. Ltd & toyota tsusho insurance broker india limited for misguiding / false pleas for not settling my claim on my idv value.

For my justice i further pray to irda that my claim of vehical is lying pending with united india insurance co. Ltd. Jalandhar city branch punjab. I further pray to you to either get my vehical repaired or help me to get my claim settle on my insured idv value of rs. 664949/- (Six lack sixty four thousand nine hundred fourty nine rupees only) on total loss bassis.