Car Total Loss கொடுமைகள் | Total Loss Car Insurance settlement | Used car வாங்கப்போறீங்களா? உஷார் ..

[@AbidSuhail]

Return to Invoice is very important for first 3 years to all new vehicles. Some insurance companies extend it upto 5 years.

[@MuthuKumar-cc7kz]

Hi Birla sir, Today I got an insurance with RTI .. Thanks for you and the guest.. this is such an eye opener.

[@raaviipraveenkumar]

My car was declared total loss as well. I’m having very difficult with #Acko insurance. More than 30days and 60days from initial request from agreeing total loss they are giving me silly reasons everyday. There’s no point in escalating to Grievances, they don’t help, Acko’s salvage vendors are useless and they lie so much and thinks customers are dumb. For everyone reading this, I will strictly not recommend Acko to anyone going forward 😒

[@kjbabu234]

But people say wacko is very good.

[@sarvanmira]

As Birla sir and his guest/friend mentioned Royal Sundaram’s response and support was good.

[@movementbuilders8828]

Thank you for updating on Acko

[@vj_guideauto]

That's true bro.. Many of the Acko users facing the same issue.

[@raaviipraveenkumar]

@Birla sir, you have made a video on an easy settlement of claim. Make a video of people struggling to get their claims settled from insurance companies - this would also give awareness to people on which insurance company gives good support at times like this .

[@prakashs.h.r5379]

Birla always rocks with lot of awareness videos. Really I dont know this new person's language. ஆங்கிலம் கலந்த தமிழ் இப்போது தவிர்க்கமுடியாததாகிவிட்டது. ஒன்றிரண்டு வார்த்தைகள் ஆங்கிலம் வந்தால் பரவாயில்லை. ஆனால் இதுபோன்று பேசுவது கேட்கும்போது உண்மையில் ஆங்கிலமா தமிழா என்று தெரியவில்லை. ஆங்கிலம் பேசுங்க அல்லது தமிழ் பேசுங்க, இரண்டுமே எங்களுக்கு புரியும். இந்த மொழி புரியவில்லை.🤦‍♂

[@rajan8774]

உங்க 4 வரி கமென்ட் லயே 2 வரி ஆங்கிலம் தான். 😂😂😂

[@Walter_____White_____07]

ஆங்கிலம் பேசுவது ஒன்றும் தவறில்லையே

[@manis4676]

Adhu andha maadhiri circle irundha palagidum. Avar venumnu paesala.

[@sundar-ur3oz]

RTI is not new but often insurance agents doesn't explain the key differences.Very well articulated and useful for everyone.But key message is don't buy second hand car from Chennai or near reggistered. It will be sold as low millage car but you will be in trap and trouble... Most of them are shipped to CBE for rework.. be cautious ...

[@karagis75]

Simply don't assume every car....is flooded...in Chennai. useless comment

[@mohamedashik8658]

The insurance companies reclaim the loss from another insurance organization. They are known as Reinsurance companies.

[@narayananvenki]

Super valuable content sir .. now I’m enquiry this for my new car … it’s an eye opener for new car purchase people … when I connect with showroom manager they said only class 1 will be covered and they are not sure or they don’t want to proceed with class 4 … basically they want to sell car there target is done … they don’t want people to know this clause…

[@ganeshrvgk]

The total loss is a beautiful concept in the US if it is a new car with less damage. In the case of total loss, there are two cases, (1) the insurance will pay up to the maximum value of the car and absorb the car. (2) the insurance pays 50 ~60% of the IDV; they also give your car back and you can fix it on your own or any local mechanic. The second option is perfect if we can fix the by our own with cheap prices and sell it for a good price and make a consistent profit but the title will be moved from clean to salvage. If you see any title as salvage means the car is totaled and it is rebuilt. But remember it is not the clean title, you might face insurance premium hikes and doomed resale value.

[@prasadvsp6454]

50%? in second case? Which world are you living in? There is something called salvage value that is determined by the insurance company. This value is determined by the salvage yard brokers. If you are going to let your car go, the insurance company is going to have the salvage yard quote as less as possible, then pay up IDV minus the salvage value. The insurance surveyor and the salvage yard owner will have an off the books understanding whereby the insurance surveyor will seek some commission. Win win situation for both insurance surveyor and the salvage yard dealer. The Insurance surveyor won't work to his employer in this case. Imagine how much commission an insurance surveyor could make for many cars If you say upfront that you want to keep the car, th insurance surveyor has nothing to gain. So he will have the salvage yard dealer quote as high as possible so that he can reduce the settlement as much as possible. In this case the same surveyor will loyally work for the employer Moreover the Insurance surveyor or company has no obligation to show you how much was offered for the car. In the case you refer to, one would be lucky if he could get 30% of the IDV Remember that insurance surveyors are outsourced / contract employees and have too much power. It's a shady business

[@sarvanmira]

Useful video Sir, one addition thing we might have covered in detail this video is: Process/Struggle taking out the vehicle from Service centre- as they come up with huge charges in name of Parking and Estimation Charges. I had a very worst experience with Vishnu Cars Medavakkam- really an unprofessional way of dealing customers. Parking charges 350 per day + 2% on Estimation Charges And the worst thing- Few parts missing out like Jack, etc. Wrong Estimations No communication or updates from Service Advisor Arrogant way of interaction

[@rajanthamizhan591]

Avanungala naaka pudungikaramadhiri kaelunga bro... That will give satisfaction, 💪

[@NaveenAmirthaganesan]

My car is also auto loss. I had Tata Aig insurance and it was smooth process too

[@dhandapanignanasekaran3441]

Reinsurance - It is an insurance that an insurance company purchases from another insurance company to insulate itself (at least in part) from the risk of a major claims event.

[@praveensaml]

kia sonet back legroom is ok but 3 people cant sit comfortably in rear

[@gravichandran5522]

சொல்ல வந்த விஷயத்தை சுருக்கமாக சொல்லி இருக்கலாம்..ஜவ்வு மாதிரி இவ்வளவு கதை தேவையில்லையே...

[@vigneshrheumatologist]

This needs explanation

[@gravichandran5522]

@@vigneshrheumatologist வேகமான உலகம் தம்பி சார்....இவ்வளவு நீள கதையை கேட்க நேரமேது...🤔

[@BisonBaby-to1dv]

video-ல இன்னும் நிறைய details include பண்ணி, 1 hour-கு மேல play ஆகுற மாதிரி பண்ணிருக்கலாம்..சீக்கிரம் முடிஞ்சிடுச்சு..

[@gravichandran5522]

@@BisonBaby-to1dv தம்பி நீங்க வீட்டில் தண்டசோறா...அதான் பொழுது போகமா...ஒரு மணிநேரம் வீடியோ பாக்குற....🤔🤣

[@dhandapanivasanth]

That's birlas style. Blah... Blah... Blah...

[@dr.a.martinmaryjohn1098]

RTI பற்றி இப்போதுதான் தெரிந்துகொண்டேன். நன்றி.

[@Abduls-view]

No insurer will affect. Because in a year (eg) 100 cars insured, but only 2 or 3 cars claiming the insurance. so in no way insurer will affect

[@alphamed58]

Correct

[@rajagopalsubramanian6418]

ஒரு விஷயம் கண்டிப்பாக கடைபிடிக்க வேண்டும்.அதாவது சென்சார்கள் சரியாக இயங்கவில்லை என்றால் உயிரிழப்பு ஏற்படும்.இதை தேரிவித்தது மிகவும் நன்றி புரோ

[@srinivass9356]

Sema content..very useful..normally we don't pay too much attention to details of insurance coverage

[@bhaskarthupakula1111]

Sir Ningee kekara mora nengee select panne customer avuru explain panne vidham super ❤

[@yours455]

Loss is for the user who buys the car as second hand!

[@nsatheesh1987]

Good content Vijay! Glad that you have used the RTI clause and thanks for spreading the awareness on this!

[@rrkatheer]

I own premium variant of Diesel Seltos. Flawless engine and overall performance top class with luxury

[@mri3384]

There is nothing about Kia or Hyundai that is flawless

[@akon4760]

I too affected with total loss... Please always do rti

[@malaipandiyan9277]

அருமையான பயனுள்ள தகவல் மிக்க நன்றி பிர்லா சார்

[@KP-lm4es]

Actual video starts at 3:42

[@prasanthsanka]

As usual super Birla sir the videos you do is always different from others and in Tamil adds more value. Wishes to new car owner and his friend who guided for good. Prasanth

[@joenavin471]

Excellent information. Very useful and Thanks for doing this video 🙂

[@IrshatMeeran]

thank you for the groundwork sir and clear-cut video.

[@muralimanoj2k]

Birla Sir, Policy Bazar Insurance claim pavangal endru oru episode podunga. Insurance companies offering a preferential service for its customer based on policy agent like policy Bazar. This should also be brought to light so that everyone get equal treatment.

[@movementbuilders8828]

Policy Bazar Customers Are Preferred Customers or Neglected Customers? I didn't get you.

[@vasanthanchinnasamy]

@@movementbuilders8828 Same question. Policy Bazar Customers Are Preferred Customers or Neglected Customers?

[@Jollylife15]

Im also an example. Even after two months my amount is not settled till date.

[@selvakumart6980]

Which ins company?

[@Jollylife15]

@@selvakumart6980 iffc tokkio

[@praburaja9294]

All the best for 1 million sir....🎉unga videos pathudhan car vanga asai patu Hyundai i20 sportz vangirukan..... review pananumna solunga car enga venumnalum kondu varan

[@govinmaz-h5f]

En new car -2023 Oct la vangi December flood la poiduchu 😔😔😔Total loss than exact term

[@sjayanthvasu220]

All over in car market the Tata service is the worst. Remaining car brands all are gem and genuine like that so many slogans went all over. But now what is the situations of this other brands service..... all car brand service are same. We should be more aware with service centres while leaving car

[@sasiprabu6829]

After market car modification and related insurance claim pathi oru video podunga sir,

[@gurue8786]

If your vehicle is in hypothecation (under bank loan) and declared as total loss, insurance settlement process time will slightly extended as we need to close the loan account and get NOC to submit to insurance company

[@pothi]

Good point.

[@saranreddy3011]

So, to get that amount from insurance company, we need to close the loan first?

[@thangarajm2093]

Very very useful interview, particularly insurance RTI.... really thanks for making these kind of videos and Kudos to you and your efforts 👍👍👍

[@sri2119]

Very informative video... Thanks to birla......

[@paariraaju9688]

Wonderful review!! Very informative. 👌👌👌👍🏻

[@pjai8759]

Unclaimed policy neraya irukume athu profit than insurance company ku

[@Bharath_Kumar_R]

As per my experience in all the situations Alto k10 and normal maruti vehicle are the best. Whatever it happens the amount what we need to spend for repair will be very less.

[@carrom9472]

This video very helpful for me sir. Super.

[@VisVichu]

In case second hand car vanga porapo, flood affected ah ilaya nu epdi kandu pidikalam nu oru Video podunga

[@ramanathanvenni8206]

Thanks for the detailed explanation by lucky man and to birla.

[@SenthilKumar-vw8jo]

My new car Venue SX(O) was impact and declared total loss but I got 1.5 lakh more what I spent because return to.invoice and today market price

[@vigneshvignesh-wc5kt]

How can they give extra 1.5 lakhs sir.if u pay 9 lakhs and now the car price 10.5 lakhs how can they pay u 10.5 lakhs .kindly clarify sir

[@vigneshvignesh-wc5kt]

Because my exter also declared total loss .yet to recieve the amount.please clarify sir

[@movementbuilders8828]

@SenthlKumar sir, you are confusing. How can they give you more ?

[@srinew27]

You i10 and sonet both 1.2 liter engine தான்.. So whay big difference and upgrade you have made.. Atlest you sholud have gone to diesel engine

[@dilip4181]

Birla bro keep the video short. This is useful info but too lengthy..

[@vagjagan]

Thank you thala. Will choose RTI in next renewal

[@thiru1990dinesh]

For Safety xuv 300, for engine and reliability honda elevate, for less price venue diesel... For manly rough and tough drive bolero classic not neo choice is yours

[@prabhakarrajendran2149]

Xuv 3oo link rod failure running time noise

[@thiru1990dinesh]

@@prabhakarrajendran2149 oh sorry sir i will check about that

[@mdinesh8740]

நிறைய விஷயங்களை தெரிந்து கொண்டேன்

[@NK-qj1nn]

Recently i got Hyundai exter SX model, showroom gives 53k insurance quote for 1 year OD + 3 year TP, same thing with all add on's i got it for 21k from New India assurance. So cross check before opting for showroom insurance.

[@udhayakhanthl6464]

Question: Yaaruku loss? Ans : Used car edukura 2nd hand Owner ku thaan loss and bad fate.

[@surendrat6168]

Very useful info with live experience 🎉🎉

[@sasikumar1067]

Good information. I also went through this process. but for me, they charged a parking charges of around 10k. and 2% of the estimation charge by the car service center. Also, insurance requested a consent letter with a rotary signature to issue payment. Whole process took around 3 months.

[@mageshkumar2082]

Watched @ x2 still i could understand clearly 😂 Saved 15 mins

[@p.harris7254]

வணக்கம் இப்பொழுது தான் சென்சார் சென்சார் வண்டிகள் வந்து உயிரை எடுத்து விடுகிறார்கள் தண்ணி அடித்து தானே வாகனத்தை சர்வீஸ் செய்கிறோம் தண்ணி படுவதால் ஒன்னும் ஆகாது தண்ணீர் முழுவத சீட்டு ஃபுல்லா முழுகி சீட் ஃபார்மில் தண்ணி போய்விட்டால் புதுசாக மாற்ற வேண்டியது வேரிங் கிளிப் ல இருக்கிற தண்ணி எல்லாம் ஏர் கொடுத்து கிளீன் பண்ணி கொள்ளலாம் என்ன அந்த ஓட்டுனர் தண்ணீரில் மூழ்கி இருக்கும் போது வண்டியை ஸ்டார்ட் செய்தால் தான் பிரச்சனை இந்த தண்ணியும் அந்த இஞ்சின் ஆயினும் சேர்ந்து சேரு ஆக உள்ளே அடைத்துக்கொள்ளும் எஞ்சினைபுல்லாக பிரித்து ஓவரா லிங்க் பண்ணி போட வேண்டும் பேட்டரி கழட்டி விட்டிருந்தால் எந்த சேதாரமும் இல்லை பேட்ரிக் கழட்டாமல் இருந்திருந்தால் அதற்குண்டான வயரிங் மாற்ற வேண்டி வரும் நன்கு விஷயம் செய்த விஷயம் தெரிந்தவர்களுக்கு இன்ஜின் ஆயிலை முழுவதும் இறக்கிவிட்டு ஒரு 5 ல் டீசல் அல்லது கரசின் இன்ஜின் ஆயில் ஊற்றும் இடத்தில் ஊற்றிவிட்டு ஒரு நிமிடம் ஓடவிட்டு அந்த உள்ளிருக்கும் அழுக்கை எல்லாம் எடுத்து விட்டால் மறுபடியும் புது இன்ஜின் ஆயில் ஊற்றினால் வண்டி ஒரு நிமிடத்தில் ஸ்டார்ட் ஆகிவிடும் மத்தப்படி வண்டி முழுவத பெயிண்ட் எல்லாம் போகாது டோட்டல் லாஸ் எல்லாம் ஆகாது அதனால் வெள்ளத்தில்முழுகினால் வண்டியை சீப் ரேட்டில் கிடைத்தால் வாங்கிக் கொள்வது பயணிகளுக்கு அதிக பயனை கொடுக்கும் நன்றி

[@ImVignesh14]

Good content Ji.. what is the beep noise in background in most part of the video?

[@sabarirajm4928]

me too bro. this time i added car key also.

[@vas885]

Our 6 months old Honda city got total loss in 2015. After that we again bought same car in same colour

[@MTKSpodhigai]

Mr. Birla provided absolutely contradictory details. Please conduct further groundwork and provide a review."

[@mohamedadnan8936]

Good information 👍

[@TamilSelvan-jm8mr]

Swiss-Re is one of the companies that does Re-Insurance, from whom insurance companies buy insurance and sell...

[@judejeevanraj4833]

Selling Total loss car famous in Tiruppur & Coimbatore 😅it’s a scam happening everywhere!!! Govt should interfere & check the total loss car going to scrape or not !!’ Book swap also happening!!! Plz make video about this scam !!! Thank u bro

[@softgrowl]

Who will sell? How do we know? What scam? He says these cars come to market only?

[@judejeevanraj4833]

@@softgrowl Most of the ppl don’t know history of their used car !!! Mostly Olx like platforms & used car outlets not reliable!!! Most of the flooded vehicles are getting for sale soon !!! Not only Chennai numbers !!

[@mugenthiranramasamy3839]

Hi Birla , RTI if we opt in new india assurance they are the best in the claiming process and settlement

[@AllMidis]

Good that you have taken pic and video. Nice interview. With out skipping one should listen fully to understand Total Loss. This channel deserves 1M subscribers

[@harwindens.m2313]

Sir please talk about BS6 innova crysta DPF issues .. more are affected in this

[@harwindens.m2313]

Especially this problem in 2020 2021 innova crysta

[@RiotAKS]

My car also total loss... Tata Punch 2021 model...

[@spiceleo]

Very informative, thank you

[@mayday4043]

Sir, Paytm fastag change pandrada pathi sollunga 😊😊😊

[@learningeducation4914]

சார்,புதிய கார் வாங்கும் போது சோரூமில் சொல்லுகின்ற இன்சூரன்ஸ் கம்பெனியில் தான் இன்சூரன்ஸ் போட வேண்டுமா?

[@andrewsleo526]

அப்படி எதுவும் கட்டாயம் இல்லை சகோ.

[@bharas714]

Any one has similar experience in bajaj Allianz... Kindly help my vehicle is total loss but still no response 1 month over

[@careeducationpuducherry4226]

Now u got sir? My car is also total loss?

[@muralisrinivasan3982]

A,B,C category , what the customer says is different from the text displayed.....

[@KRViewsofficial]

Good going sir al the best ❤

[@dreamcatcher41]

Worth watching , nice information

[@smartvel4352]

New info about RTI

[@josephd.r3581]

Air bag sensors are installed on chasis.

[@mohanrajs871]

A total eye-opener for insurance and its details..! I have an RTI for my new car (Scorpio N) but just based on this video came to know its part 3 only. Insurance is not covered. Thanks, @birlas Parvai for the useful content..!

[@navalanprabagar8083]

How(where) to check car insurance add-ons?

[@mohanrajs871]

Check your policy document. It will be mentioned there.

[@Nature-sb8mm]

In Us they give 100% claim why it is not happening here ?

[@rajivm7873]

Next flood vantha enna panuveenga.. same process ha😅

[@movementbuilders8828]

I never got the option of 4 parts in RTI. Insurance and RTO are not included in RTI, only Ex-showroom.

[@careeducationpuducherry4226]

Which insurance company sir?

[@pknagaraj]

Nice valuable information, T an q Bro

[@parthasarathyvenkatadri]

Waterproof bag maari edhavuthu irukkuma for flood protection for cars .... Open pannitu car ah ulla ottitu adukku apporoam andha sheet ah wrap Panni roof height la katti vechi protect panna mudiyuma ...

[@office4321]

Bumper to bumper la RTI ilena vera ena insurance le varum ??

[@gikannan]

I am still waiting for my RTI settlement

[@MrJeyab4u]

When you pay more premium you will get more coverage..

[@trakonsix]

What about total loss in case of Bank Emi? Can anyone give insight on this?

[@MrJeyab4u]

If you are interested to repair the vehicle.. Don't worry all total loss vehicles are repaired.. Andvwill be sold after repairs.. You can take it from used car..

[@Tamil.Family]

Total loss car in pps motors chrompet.They charge for parking each day around 200.10k advance .non refundable.is it same everywhere?

[@kseetharaman8035]

Thankyou Birla sir.

[@atheratetuber]

One of the best and very informative videos.. thanks again Birla bro

[@sri67ram]

Eye opening video and no other channels touched this point!! Kudos Sir!!

[@E_Rama]

Kia service is also costly and pathetic in Chennai. Most cab drivers fix their cars locally with just less than a lakh.

[@Capt.Deepak]

Information on reinsurance was not right. Got to do more research before providing information to the general public. Apart from that it was informative and of course a great advertisement for ‘KIA Sonet’.

[@naveenkumararumugam5795]

This is all based on the age of the vehicle So always maintain well the vehicle and keep good IDV value If you do so then old vehicles you will get profit For new vehicles it is loss as u dont get the diff between the exshowroom and onroad price as it is not covered in insurance

[@villavang4799]

பயனுள்ள தகவல்

[@muruganandamb743]

ஏன்யா, Total loss ன்னா IDV Value Amount மட்டும்தான் தருவார்கள். இதற்கு இவ்வளவு பெரிய கதை தேவையில்லை.

[@Ramprakash-ro1wd]

,Oriental Insurance delay in settlement for my total loss car cliam any time frame

[@mysterymission3408]

govt insurance is a pain. i had national insurance, they didnt approve my claim which would have been approved by private insurers in 2 days.... my insurance wasted 3 weeks to tel me that the claim is rejected.

[@selvakumart6980]

Royal sundaram rocks 🎉❤🔥

[@ravishghill7292]

4 lak loss kedaithu, antha naai full featured vehicle eduthurukku, so its not category of loss

[@ragunathanvelusamy8181]

Car loan poiruntha RTI epdi work ahum?

[@rrkatheer]

Make it short.. so never buy seconds car currently flood affected cars are sold in seconds market.

[@aruntamil2101]

Hi Bro, Last Insurance Video, I think we preferred to go with Dealer insurance for smooth process and add-on's comparing to outside, But here outside insurance also looks good, so both are considered same or anything will be missed choosing either one

[@manis4676]

Hi Bro , as far as I know the jnsurance companies which were tied with the dealer will provide certain options to the dealer. But while selling outside the insurance company will have more options. If 5 Insurance are recommended by service centre. Those 5 are provided by an company like insurance broker to the service centre. So those policies apply. Only thing is that if you get it from the dealer they itself can initiate the claim and they will get the OTP for claiming. Otherwise you need to initiate the claim. That too dealer will assist and take care. The thing you need to keep in mind is that you need to purchase insurance from outside and it's better from the companies which dealer suggests.

[@aruntamil2101]

@@manis4676 Thanks for the Explanation!