Car Insurance claim with Tata-AIG General Insurance

[Master]

Did you not provided your consent to the garage and insurance company for repair?

[R.K.SHARMA]

After inspection of my damaged vehicle at my residence, the surveyor appointed by TATA AIG send me a letter to send the car to Authorized dealer and to produce the bill so that assessment of loss can be carried out. Accordingly, as TATA AIG has tag/MOU with FAIRDEAL HYUNDAI, WORK SHOP/SHOW ROOM at RANCHI, the latter send their guys to pick up my car from my residence- as the car had been at my residence because the mentioned workshop denied to received saying it's a case of TOTAL LOSS.

Now, as mentioned in my thread, I came to know that workshop has produced and submitted a huge bill to me as well as TATA AIG. When I demanded the details of calculations/assessment from TATA AIG, I stunted to know that an ADDITIONAL WORK amounting to Rs. 93,109/-.

Then, I contacted the surveyor Mr. Shyam Krishna, he told me the workshop has given unrealistic/malicious bill. When I questioned about the work order given to the workshop, I astonished to know that the work order has been given verbally.

Q. Is this correct way to give verbal work order- without specifying details of work or parts to be replaced/repaired ?Beside this, the surveyor himself is saying that the engine assembly area including power steering was completely in good condition [ I also know this, as there was not the case of head on collision ]. Despite this, I surprised to know that the said workshop has submitted the bill to TATA AIG [ Copy of the bill is also with me] showing replacement of vital parts of engine assembly viz., radiator, battery, power-steering, etc.

Q. Is'nt it a case complete malaise and afford to extort huge money in the name of ADDITIONAL WORK?

Q. Should I proceed for CONSUMER FORUM/IRDA ?
I would like to add here the said workshop bill is showing at least 10 items which were either not fixed in my car or has shown the items twice.

Q. Is'nt it a case of cheating ? Please guide me and help me.

With regards,
R.K.SHARMA.

[Master]

After inspection of my damaged vehicle at my residence, the surveyor appointed by TATA AIG send me a letter to send the car to Authorized dealer and to produce the bill so that assessment of loss can be carried out. Accordingly, as TATA AIG has tag/MOU with FAIRDEAL HYUNDAI, WORK SHOP/SHOW ROOM at RANCHI, the latter send their guys to pick up my car from my residence- as the car had been at my residence because the mentioned workshop denied to received saying it's a case of TOTAL LOSS.

Now, as mentioned in my thread, I came to know that workshop has produced and submitted a huge bill to me as well as TATA AIG. When I demanded the details of calculations/assessment from TATA AIG, I stunted to know that an ADDITIONAL WORK amounting to Rs. 93,109/-.

Then, I contacted the surveyor Mr. Shyam Krishna, he told me the workshop has given unrealistic/malicious bill. When I questioned about the work order given to the workshop, I astonished to know that the work order has been given verbally.

Q. Is this correct way to give verbal work order- without specifying details of work or parts to be replaced/repaired ?Beside this, the surveyor himself is saying that the engine assembly area including power steering was completely in good condition [ I also know this, as there was not the case of head on collision ]. Despite this, I surprised to know that the said workshop has submitted the bill to TATA AIG [ Copy of the bill is also with me] showing replacement of vital parts of engine assembly viz., radiator, battery, power-steering, etc.

Your written consent is required.

Q. Is'nt it a case complete malaise and afford to extort huge money in the name of ADDITIONAL WORK?

I agree with you.

Q. Should I proceed for CONSUMER FORUM/IRDA ?
I would like to add here the said workshop bill is showing at least 10 items which were either not fixed in my car or has shown the items twice.

I would suggest first lodge a complaint with the insurer and send a copy to IRDA. Then approach IRDA if nothing happened.

Q. Is'nt it a case of cheating ? Please guide me and help me.

With regards,
R.K.SHARMA.

Approach Insurer First in writing > (No Result) Approach IRDA > (No Result) Approach Ombudsmen/Consumer Forum

[R.K.SHARMA]

My accidental car was picked up from my residence by the guys of the workshop/garage [Authorized Dealer of Hyundai- FAIRDEAL RANCHI] on getting information from the surveyor. But,only signature on receiving of the vehicle was obtained.

No consent was obtained to go for repairing-copy of work order alongwith details of parts to be repaired/replaced was not shown and even now unable to provide. When I talked to the surveyor regarding this. He told that verbal order was given.

As I understands, there should have been written work order specifying details of work to be done from the insurer's side.

Q. Am I right?

Please express your view in this regard.

With regards,
R.K.SHARMA.

[PolicyWala]

Standard Procedure in cashless Motor Claims
1- Garage will get the estimate for the repairs of your vehicle and give spot approval after assessment.
2- Payments that need to borne by Insurer at their preferred garage will be made directly to the garage on completion of the repairs.
3- The balance amount will have to be paid by the insured as per the terms and conditions of the policy, which will be informed by the Garage.