Motor insurance claim and Approved Surveyor appointment.

[nirmal-worldu]

Danyawad sir for your comments, these are very helpful.

Gadi m parking k time pani gaya tha ...waha ki location and photos bhi de di h .... m to tha nahi kuch din yaha to mere pass apni car ki picture h nahi ...lekin kisi ne ek photo bheji thi ki jisme meri gaadi ki front number plate nikal gayi thi aur jamin and gaadi bhi wet thi ... but surveyor gaadi k ander ki photo maang raha tha

ye apne bahut sahi bataya ki conpany engineers se air bags k damage ka certificate le leta hu .... jab m service station le k apni gaadi le k gaya to do jono ne waha bola tha ki apki gaadi m pani h aur agar air module change bhi kr diya to apki gaadi k dille mat k karan air module fir se kharab ho jayega ...aur air bag module ki cost around 30-35k thi to mane insurance k claim m daal diya

apko ye bhi batana chauega ki gaadi m pani 28th June ko gaya tha pr m apni gaadi 13th July ko le k gaya tha ... kuch din to m tha nahi aur apne office k kaam ki wajah se m gaadi nahi le ja paya

gaddi m abhi kaam nahi huwa ... to m surveyor ki report k baad gaddi ghar hi le aata hu ....agar insurance company decline kr deti h insurance claim to service center 1000 rupee file charges and 5% of anticipated total cost bhi maang raha h aur insurance company k decline hone k baad 350 per day parking charges bhi .... jab koi kaam nahi huwa h gaadi m sirf insurance claim k liye gaadi service center m gayi h

approved surveyor ki report aaana abhi baki h claim process (approve or disapprove) se phele bhi surveyor se apni report maang sakte h jaisa apne bataya ki claim repudiation letter le le usme kya hota h

approved surveyor monday ko bola h ki apko denial letter monday ko mil jayega .... usne verbally denial bola h ki apki gaadi m pani tha hi nahi ..

apse request h ki ek video wo bhi banaye jisme poora process ho ki agar koi damage ho jata h gaadi m pani se to kitna time lagta h kya kya process hota h accident ho jane pr kya kare ispr to bahut videos h magar pani ya koi disaster calamity jane k baad kya kare uski video koi nahi h agar koi video bani huwi h to uska link bhi de

apka bahut bahut danyawad

[nirmal-worldu]

emailed to you sir complete story and process till now

[nirmal-worldu]

Surveyor after complaining has done further investigation and informed that post conducting throughout inspection we have found water traces under floor mat and approval for cleaning the same has been shared with workshop, moreover we have also inspected the parts related to Airbag module and have found no water mark and traces, also we have not found any oxidation marks to the wring or airbag module pins that clearly indicates that damages to module does not fall under any below mentioned insurance peril’s,

hence we reiterate that damages to air bag module could not be considered as damages to these were not found consistent with the stated cause of loss.
This approval was based purely on the comparison of the claimed damages with the stated cause of loss and not on assumptions, as alleged. This rationale was also apprised to you by during the course of telephonic discussions held in this regard.

company k engineer se abhi certificate lena baki h ki damage ki sambawit wajah kya h …. agar wo engineer pani ki wajah se kharab ho kr likta h to iska impact insurance company pr padega kya???

aur ye bhi batyie ki cleaning ka insurance m krwa lu and airbag abhi nahi krwata hu to baad m claim fir se consider ho jayega kya ???? ya m kya karu abhi

[sylvesteryonzon]

Sir, the agent had given a higher IDV value in the policy of 6.5 lakhs.. rather than the appropriate depreciated value a of 5.2 lakhs for a 3 yr old vehicle. Now the question is incase of total loss.. the insurance company will settle the claim on the actual market value or the IDV in the policy. The salvage value will be deducted from .. IDV or actual market price calculated by company?

[nirmal-worldu]

​ car m air bag damage barish k pani jane ki wajah se huwa. Ye car k insurance claim m cover h

abhi 10 din phele mane claim k liye gaadi service center pr submit kr di h usme air bag wali light aa rahi h meter m uska claim unnone insurance m lene k daal diya h

surveyor ne survey k baad bola h ki apka claim approve nahi hoga writing m apko monday m mil jayega kyuki gaadi m pani nahi h

mera question ye h ki agar insurance claim reject hota h aur m aage escalation level 1 or 2 ya grievance dalta hu to mujhe service center se apni gaadi le k aa jani chayie ya nahi kyuki agar claim reject hota h to gaadi service center m kade kade garage charges lagege aur grievance ka reply aane m time lagega

agar m car ghar le aata hu kyuki gaadi to chal rahi h sirf airbag ka issue h to grievance ka reply aane k baad agar claim approve bhi ho jata h to wo meri gadi m valid hoga ki nahi???

[taiburrahman]

Sir idv value of my car was 4 lakh. But repairing cost coming out to be 5.15 lakhs. As per policy it goes to total loss. But the surveyor is telling me to repair it rather than total loss.I am not willing to repair as it total loss. What should i do.As my insurance is non cashless, i have to pay all money to showroom later on thay will pay 3 lakh.

[pradeepsinghatoz]

my car status. surveyor deputed my kar claim file lying since 15 days very useless work please help me

[shetkarabhijeete]

Recently UIIC has given claims below 50k to Loss assessor(pvt firm), whats your view regarding it?

[nikhilagrawal]

Sir, I really need your help.

I bought a used car on 23 Aug 2022. And on 2 sep 2022 RC mere name mey transfer hohgaya par insurance transfer nahi hua tha and unfortunately 10 sep 2022 ko meri car ki accident hohgaya. Abh after 1.5 months they are rejecting my claim.

Maine kahi padha tha ki 14 days time hohta hy policy tansfer k loye after RC update. What shall i do. I’m in deep problem.

Plz help sir.

[nirmal-worldu]

car m air bag damage h aur agar car ka claim reject ho jaye, to grievance submit krne k baad. Car ko service centre pr rehne de ya wapas le k aa jaye ????

Service centre pr charges lagege insurance claim reject hone k baad aur grievance ka reply aane m time lagega
kuch bataye kya karu, car running condition m h

[RakeshKumar-pxyh]

Sir आप जेसे लोग दुनिया में जब तक han तब तक दुनिया है verna ये कलयुग में नष्ट है सब कुछ

[atulgarg]

Sir, please confirm insurance company can deny the claim in drink and drive case.if yes what will be the next option.

[appuinsan]

Hii.sir ..sir my car met with an accident...my dad was driving the vehicle at that tym and the car Is registered on my mother's name . At the tym of accident the other party got injured and police filed an fir under ipc 279 and 337. We got the car released through the court and got the car to the hyundai service centre.. sir I have provided the documents to the surveyor
1) drivers driving license
2) drivers aadhar card
3) fir copy
4) court release orders .
5) mechanical report by the concerned rto.
6) photos and videos of the vehicle at the accident side.
7) towing report .
8) owners aadhar and pan card.
9) status report .
But still surveyor is not processing my claim .. he is asking me to give the final police report, but the police is yet to produce final police report ...what should I do???

[vision.]

Sir
Insurance company is rejecting the motor insurance claim after one year on basis of non submission of postmortem and death certificate of driver by owner of vehicle, surveyor approved the claim...Is this right thing done by Insurance company

[avikmandal]

🙏 how can I cross check survey report and loss estimate??

[harshtrade]

सर् जी मे पिछले 1 साल से एक मोटर इन्शुरन्स क्लेम survayour and investigators pvt . Ltd एजेंसी में काम कर रहा हु और मुझे मेरी एजेंसी से monthly payment मिल रही थी पर अभी मेरी 2 month की सैलरी pending है किउकि मुझे बोला जा रहा है कि icici lomabard के तरफ हमारे पैसे, फीस अटकी पड़ी है तो वोह थोड़े दिन में रिलीज़ होगी तभी आपकी सैलरी होगी तो क्या इन्शुरन्स कंपनी हमारे एजेंसीय की अटकी हुवी पेमेंट करेंगे ????आपको क्या लगता है। ..

[motorinsuranceclaimspracti]

As per Surveyor Regulations 2015-
12. Appointment of Surveyors and Loss Assessors


(1) No person or a firm or a company shall act as a Surveyor and Loss Assessor without being licensed
under Regulation 3 or Regulation 4, as the case may be.


(2) Surveyors and Loss Assessors shall be appointed either by insurers or insured to assess loss under a
policy of insurance in respect of


(a) Motor insurance – above Rupees fifty thousand


(b) Other than motor insurance – above Rupees one lakh


(3) The above mentioned limit shall be reviewed every three years by the Authority.

[rakeshahire]

Sir ne meri total loss gadi repairs ho gaya thanks sir

[vikassaini]

sir, i live in patna, bihar. in future whenever i will be in need, i will keep in mind your advice. thanks. sir while watching your video, one query came in my mind... please give some approx idea of approved surveyor fee. is it fixed or variable. what is the approx range of fee?

[dipjyotitalukdar]

Sir I want to become a insurance surveyor what are the process I don't know please make a informative videos in detail please Sir I don't have any idea please help