How Insurance claim work for car - Total loss - Constructive total loss - IDV -Claim explained tamil

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In this video a detailed explanation on insurance formalities of claim.
Enjoy the Video till end.
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/ birlasparvai
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#carinsuranceclaim #cartotalloss #constructivetotalloss #carinsurance #caraccidentclaim #birlasparvai #birla

[@kishenprabhu]

Intha car entha year model, intha damage ku evlo claim kidachuthu and entha scheme la claim pananga, idv value nu particular ah intha specific car ku details soninga na engaluku inum informative ah irukum. Guess pana easy ah irukum bro

[@abunism]

Recently, my car (2.5 yrs old 🙁) met with an accident and insurer declared as total loss. My IDV was 5.3 Lakhs. I received total of 5.29 Lakhs. 1.5 Lakhs received from Scrap dealer, remaining amount received from insurance. you are entitled to receive almost full IDV. Pls read the insurance terms and conditions. Also, if car is getting repaired for major accident and even if you have B2B, you may need to shell out significant amount for some parts including salvage + consumables. Some of these can be covered using add-ons. If your car is less than 5 years, you may consider RTI (Return to Invoice) cover

[@kambakannan4913]

Number boss I've some doubt

[@vjbachi1]

Hi for total loss, self driven N no third party injury.. Is the fir required or csr will do from police station

[@prasanthprabha187]

Hi brother ennoda car total loss thaan konjam doubt irukku unga contact number kodunga bro

[@mathews.prabhakaran]

You have explained the claim process nicely at macro level even for an ordinary man to understand. But the most important things are to be understood by every body is to know under what circumstances, claims are not payable and / or insurance companies are trying to reject claims including exclusions and policy conditions. You can explain as to why insurance companies trying to reject or how to get the benefit of doubt in claims etc. Apart from this No Claim Bonus (NCB) is also an important topic to explain and how car dealers are trying to cheat by over charging insurance premium etc are also very important to save lot of premium.

[@maksermahesh]

En car accident aagiyum ipo varaikum intha details lam theriyathu...... Nice informative video.....

[@sankarnarayanan7320]

அருமையான தகவல் இதில் இன்னும் நிறைய விளக்கம் காரின் உதிரி பாகம் + உடையும் பாகம் ஆனால் காரில் பயணிக்கும் நபர்களுக்கு எந்த மாதிரி உதவி கிடைக்கும் மற்றும் எதிர் நபர் விளக்கம் நன்றி நண்பா

[@amuthacountrychickenandkad8708]

Video 👌👌👌👏👏👏 அண்ணா... திருடு போன காருக்கு எப்படி Claim பண்ணுவாங்க... Accident ஆகி கார்ல போறவங்களுக்கு ... எதிர்ல அடிபட்டு இறந்தவங்களுக்கு Cliam பண்றது... Third party insurance இந்த எல்லா Details ம் சொல்லுங்க 👍👍👍🤝🤝🤝

[@senthilprabhumk]

Let me say some info I know Third Party: Your vehicle is not covered in insurance but if you hit any other vehicle they will claim from that specific insurance. Comprehensive: Both your vehicle (Own Vehicle Damage) and the opponent (Third Party) vehicle will be covered. No Claim Bonus: If you have not claimed any insurance on that particular vehicle then they will give you some discount on Own Damage Component. NIL Depreciation: No Depreciation on the Vehicle Bumper to Bumper : All Parts of the car is covered. Co Pay: Amount you have to pay when you do a claim (You can reduce the insurance Cost by increasing Co-Pay but every claim you have to pay the copay amount defined) Return to Invoice: Incase of Total Damage like said in the video you will get the amount of Car Quoted in the Invoice. PA Cover: Personal Accident Cover. Pillion Rider Cover : Covers the Person who is sitting behind the vehicle. Helmet Cover : Covers the cost of Helmet in case of lost/Stolen or broken in a accident. IDV Value : Insurance Declared Value (that is you have declared the amount or cost of the vehicle - This can be underwriting: Below vehicle Cost or over writing: Over Vehicle Cost ) There are many more components which can be explained but it will confuse hence I am stopping here.

[@swararajan8028]

Super 👍

[@janaramesh953]

How to get return to invoice in our insurance?. ! We can buy this cover during our purchase Time only or anytime?

[@tskumar111]

Thanks for the details, bro.. Wish to know more on, whats the procedure a) if someone hit our car and it's their mistakes and b) if we hit someone's vehicle and there is collateral damage.. Can we move out the vehicle or need to wait until traffic police comes? Do we have to file FIR ? How much we need to collect as money (considering the NCB becomes void as we are going to claim and even IDV will get reduced during next renewal) if it's their mistakes?

[@vishalakshig1831]

Nenga soli kudukra method super na jus now driving kathukren sir driving schoola ungala padhi alavu kuda soli kudukala sir unga videos sema useful unga instruction follow pani bror vachi kathuka poren sir. Nenga driving school vacha evlavo beginners interestoda kathukuvanga sir inum neriya video podunga sir

[@muralioic4006]

சார் நான் ஓரியண்டல் தேனியில இருக்கேன். நீங்க சொன்ன அத்தனை கான்செப்டும் புரியற மாதிரி தெளிவா சொல்லி இருக்கீங்க. மிக்க நன்றி. கிளைம் செடில்மெண்டுல வொர்க்ஷாப் காரங்க கொடுக்கிர எஸ்டிமேட்டுல எந்த எந்த ஸ்பேர்ஸ் மாத்தனும், எந்த எந்த ஸ்பேர்ஸ ரிப்பேர் பண்ணி போடனுங்கிர விசயத்த இன்சூரன்ஸ் சர்வேயர்ங்கிர டெக்னிகல் பெர்சன் தான் முடிவு எடுக்கனும். மேலும் முதன்முதலில் கொடுக்கப்படும் எஸ்டிமேட்டில வண்டிய பிரிச்சு வேலை பார்க்கும் போது தான் ஒரு சில அடிப்பட்ட மாத்த வேண்டிய அல்லது ரிப்பேர் பண்ண வேண்டிய சாமான் இருக்கிறத வொர்க்ஷாப் காரங்களே உணருவாங்க. அப்போ அவங்க அதற்கான சப்ளிமெண்டரி எஸ்டிமேட்டப் போட்டு சர்வேயர்கிடட் டிஸ்கஸ் பண்ண பின்னாடி தான் அடுத்து அந்த வேலைய முடிச்சு பில்லு கொடுக்க வேண்டும். இங்க தான் பல இடங்களில பிரச்சினை வருது. நல்ல செடில்மெண்டுக்கு வொர்க்ஷாப், ஓனர் மற்றும் சர்வேயர் இவர்களின் கூட்டு ஒப்புதல் அவசியம். நடைமுறையில் இவ்வாறு நடப்பது அறிதாகவே உள்ளது.

[@spltrader6809]

Car unmaiya necikuravunga mattum than iepadi pasuvanga Anna all ways great unga ovu our videovum cara pathi step by steppa supera iruku

[@SebinJoseph83]

Your video is informative and deserve lakhs of 👏 claps.. Just want to know if a car held in a accident as a rider what should he or she do..explain me the procedure.

[@selvishaju555]

Very informative expecting more on insurance especially what is the process when you take insurance from other companies other then advised by showroom

[@dhandapanihyd]

இன்றைய முக்கிய தேவையான வீடியோ....... வாழ்த்துக்கள் அண்ணா

[@m.rameshramesh7553]

Painting 87.5% Plastic and rubber 50% FRB parts 70% Glass 100% Metals as per the age depreciation calculated Above amount given by insurer

[@sathishraja8159]

Hi bro, There is lot of add on coverages available in insurance for motor policy, few important add-ons are Nil depreciation, Return to Invoice, Key clause, Consumables. These are important one and extra like ncb protector, engine protection, windshield protector, loss of bagage, etc......

[@loganathank6764]

Super bro💥👌👏👍🙏

[@syedshah582]

நிலையான தெளிவு கிடைத்தது நன்றி

[@praveenbethuel25]

Informative and clearly explained as always... 👍Jus few points to add, idv value range is presented by the insurance org based on the current ongoing value of the veh model thus we get a range with increase in premium amount as u said.. and percentage cover for electric accessories, nuts bolts, engine, glass everything changes bw insurer 2 insurer ... Zero dep ins cover too would have the claimer to pay atleast 5-10% processing charges, most ofem don't do it with 0% support...

[@jpnarasiman]

So many add ons now available, but owner has to choose which are necessary for him, because everything adds to cost of insurance. Common ones are Bumper to Bumper, Consumables, Return to Invoice. While bumper to bumper and consumables serve you almost 100 percent of claim cost Return to Invoice is useful when total vehicle is lost due to theft or burglary, where you get.100% idv plus some registration and RTO cost. Tyre and Rim Protector is useful for high end cars If you purchase on loan you can cover EMI cost also in insurance. Also pets can be insured while on travel as add-ons.

[@CometFire2010]

Please also provide knowledge to scrape old cars. Thank you

[@tskumar111]

Wish to know more on, whats the procedure a) if someone hit our car and it's their mistakes and b) if we hit someone's vehicle and there is collateral damage.. Can we move out the vehicle or need to wait until traffic police comes? Do we have to file FIR ? How much we need to collect as money (considering the NCB becomes void as we are going to claim and even IDV will get reduced during next renewal) if it's their mistakes?

[@giftsonsamuel2613]

Super Birla bro 😍🔥 innum neraiya details insurance pathi video podunga bro 👍

[@taj.sampathsampath4358]

Nice video and informative bro. Hope to continue like this. Bro try to put video related on RTO rules ,managing the traffic police, dos and don'ts etc which will be more helpful for beginners like me. Thanks in advance bro

[@aravindhunt]

I'm a regular viewer of your channel. But unlike other videos, in my opinion, this video is incomplete. You could have also explained add ons like Return to Invoice, Nil Depreciation, Engine and Transmission Cover, consumables Coverage, Daily cash, etc,.. Also i believe in constructive total loss, the amount settled is not mutually agreed amount, but the IDV or the ex-showroom price, if it has RTI cover.

[@Manian0592]

Yes... Want another detailed video

[@Radarroad5]

Dear Birla, Thanks for the video , could place a video for users first action if comit any accidents inroad, and what are the bacic safe action with related further formalities step by step.Best regards.

[@Mr61303103013]

insurance பத்தி இன்னும் நிறையா சொல்லுங்க bro....

[@chellamuthumanickam]

Tourist Taxi, Commercial vehicle(வணிக பயன்பாடு)கொண்ட வாகனங்களுக்கு இன்சூரன்ஸ் எடுக்கும் போது (IMT-23)கவர் சேர்த்து எடுத்து கொள்வது மிகவும் நல்லது !

[@mrabi399]

Unga Video Ellam Super broo💯💯💯

[@gurue8786]

For Driving school, any special clause to be applied for insurance? Bcaz those car need an addition set of control pedals for clutch and brake for tutor ti control...any idea for you?

[@dineshvasudevan6177]

Eyeopener for me one of my friend bought a new i20 and opted insurance out side showroom through which he saved 40% insurance amount compared to showroom and able to put 100% IDV value

[@rajaraman9400]

Insurance categories and it’s understanding is an art. Situation and the lessons from it will give better understanding.

[@sivachandran9166]

Super thalaivare ethirpatha video

[@sureshmu4101]

Thanks Anna for sharing useful information

[@dhivakarsakthivel5012]

Sir CTL la pota car again ready panni same athea number la oodumaaaa ? Ila ready panalu number mathi tha ootanuma

[@murugas.murugan5945]

Super anna romba nala intha doubt iruthu thu

[@akivi8651]

Perfect content , we need more videos on this content

[@sunnykarthi]

Sir ஒரு சின்ன வேண்டுகோள் புதுசா கார் வாங்கி after market accessories pota வாரண்டி lapse ஆகுமா எந்தெந்த alterations panna warranty கிடைக்காது,bcos என்னோட கார் tata altroz middle variant தேவையான accessories Indha car model la illai,so enna madhiri after market accessories போடணும் நு இருக்ர owners ku warranty claim patthi oru video podunga sir.confusion la iruken modification panlama venama nu

[@Nokillok]

IDV is the value depreciation governed by IRDA, if you declare more value than the IDV by IRDA, in case of total loss or theft, you will receive only IRDA prescribed IDV, so calculate the premiums on IRDA depreciation. there are many who pay premiums for more higher value, but what at the end you get is only IDV by IRDA.

[@shamuraju5974]

Sir, Car fulla fire aachu na entha type of insurance claim pannalam

[@geminijaga]

Good topic bro. Do with details information without any brands

[@imdad4075]

While National highways driving, it is possible some vehicles are parked on roads due to repair,. If it is parked in s bends or in curves, how to avoid such parked vehicles from crashing when you see suddenly on curves?

[@jebarajv1890]

We excepted further videos related to car insurance....

[@sanjayjithm5548]

Hi bro, as usual very useful content 👏🏻👏🏻👏🏻. One request Bro, kindly share the video series of things not to do while driving or things not to add as modification... It'll be helpfull... Thanks in advance

[@RishiGraphics]

அருமையான தகவல் தந்ததற்கு நன்றி

[@indianindian9257]

Very very good , we all need it, for me they didn't pay me even single Re. All are ----------- . While paying the tax they promise everything, but at the time of climb, they say new new reasons .

[@hariraj08]

Hi Birla, as you are aware about my car rear bumper minor damage whereas when I took it to showroom for insurance they wanted to make money and quoted to change entire bumper plus related fittings quoted for 20k. Local body workshop made it back new in RS 3,000. Here is my question: Which insurance company provide customers true service of settling 100%claim without deduction? Which car company showroom wanted to try to repair without replacement until it is necessary ? Insurance here is still a myth.

[@sahaer3691]

insurance with zero depreciation may help when the car has been stolen or any major damage like engine portion otherwise it is useless when we go for minor damage. those claims will decrease the idv value in next renewal and we will not get no claim bonus that impact will be paying more premium.

[@cars2wiki899]

Bro until oru periya Damages in Car chassis or Side Door panel onnum agati best is to do a service without insurance claim .But accident la Airbag open agitu or any more Damages Appo Kandipa company la vittu Insurance claim dhan best

[@hariraj08]

There are lot of gray issues in insurance. It is like going to a dr for admission with medical insurance. Dealer makes the most of it.

[@abu_dhabi_mapla]

Anna best car for taxi nu oru video potunga

[@dine202]

Mostly anticipated video...good work birla..

[@ponslocopilotmas]

Sir, A small request.... புதிய கார் வாங்கும் பொழுது நாம் என்ன செய்யவேண்டும்...?

[@bismitourstravels3737]

Sir please explain rebalt tyres pathey sollunga car ku rebalt tyres use pannalama pannuna enna aagum oru video podunga niraya taxi drivers ku use fulla irukum

[@tajdeenibrahim713]

பயனுள்ள தகவல்கள் நன்றி

[@Common_Manithan]

Useful video...Waiting for upcoming videos about various insurance understandings

[@ravindranperiasamy8146]

Could you please explain what is cash loss on net salvage ??

[@madhusudhan8505]

what if I want to repair the vehicle?. make video for that also. u have covered only the usual advice given by insurance company. we viewers are looking different answers

[@easwaramoorthy255]

Second hand car s vankum potha yanna pakanumu ,yanna papers vanum,yanna forms vanum ..etha pathi ora video podaka...sir

[@kanagarag]

Thank you so much Bro. you have now resolved the confusion I had for so long

[@fanclub2352]

kzbin.info/www/bejne/aGXMZH9-ap2fgQ

[@ashmikumar9758]

2012 and 2014 eartiga diesal madum OLX and 2 hand 6 laks 7 lasks solurangala athu matum ya Avalo rate soluranga EPA antha modal stop panitanga but iruthalum on road yavlo varum

[@fayas55]

Great video sir .. i didn't this information before .. expecting more on this subject sir

[@jasonangel1102]

Very useful information thank you very much sir

[@devamanivenugopal893]

Windshield scratch B2B ல கவர் ஆகுமா?

[@Surya.]

Today Topic romba useful la irukum sir...🙃🙃🙃🙃🙃🙂🙂🙂🙂😊😊😊😊

[@karthikeyannandhakumar368]

The car met with an accident and the car owner got claimed(as scrap) from insurance. Now the insurance company selling the car to dealar .. now dealer selling to a new customer.. will this new customer can purchase of this type of car or he/she shouldn't buy it as its a trap.. Will RC transfer is possible???

[@vishwavishwa5121]

Put a video about insurance companies (Private or Govt) like which one is better to go and easy to approach... While renewal what are the things and packs are mandatory?

[@user-pd6iv2fx2x]

Useful content expected prolonged thank u

[@rajuganesan560]

R .D.O , insurance, service centre எல்லாம் செல்வதைக் காட்டிலும் காரை அங்கேயே விட்டுவிட்டு வருவது மிகவும் நல்லது

[@promobilegamer8189]

Pl put the video how to findout if car get puncture especially tubeless tyre while driving

[@ckmanimukkali8998]

Birla sir... Very important and informative subject..thanks

[@pulsarpraba535]

Anna accident nadantha eppadi insurance claim pandrathu, yarukku information pannanum

[@motivationforlife8082]

Bro, please add video for RTO registration by owner and insurance which one to go first.

[@kysanthanam]

Please put a vedio on transfer of no claim bonus after sale of old care buying new car.

[@balajitamilarasan819]

Hello sir, please explain about the insurance claim when some body hit our car. How insurance work in that case. Mostly the insurance looks like a black area and feel like customers are getting cheated. So please explain what the procedure we need to follow when somebody hit our car and he ran.

[@srinaths4374]

Superb video.. Good info. You can also add content on transferring existing NCB present in the insurance to a new insurance while selling the car thereby reducing the cost of insurance while purchasing the new car

[@Franky081]

Sago, pls explain about exchange car after facelift....for example Customer took Baleno 3 years back and now after facelift company calling for exchange with New Baleno...How it works and what is the process???

[@RespectAllBeings6277]

Just assume, that accidental car has a big panoramic sunroof. How many percent of chance for the driver and passengers can survive?

[@baabukumar]

I think the IDV is fixed on ex-showroom price and not on on road value. But the video is extremely informative. One suggestion, pl cut your nails, looks shabby. 😣

[@avudaiappanparamasivan7361]

Boss, how to transfer name in used car insurance.. Please put a video on this..Most of us expecting this from you. Shall we continue the older one or need to change the name

[@pradeeprajkumar8190]

Is car underbody antitrust coating is really needed

[@anbuselvanr226]

Insurance irukku. In case of Accident , Adhai muraiya kidaikka enna seiyanum. Enna seiya koodhu enru oru video podayum.

[@kishorevenkathkrishh4262]

really waited fir this info birla sir thank you very much..... please do more on these topic like how to choose a good insurance company , is it better to register ourselves on new vehicles or let showroom people do the RTO and insurance work.. thank you sir.....

[@motomedico7476]

Best automobile channel not only in tamil Because English hindi la kooda ipdi information illa

[@vasanth.....r96]

Seat belt pottale yethana roll adichalum ulla irukravangaluku maximum romba adi padathu

[@julianbennet2166]

Really good work and efforts by Birla bro. The way you explained is easily understandable.

[@krishvenkat9249]

information is wealth sir🙏 wonderful video..

[@calebalwyn3434]

Need full video about insurance Anna

[@bava5045]

Hi sir:Insurance Claim Panna Ennna Document Thevapadum, And Police Verification CSR Copy thevaipadumaa Self Accident aana. Details Sollunga.

[@arulraj3419]

MR Birla ji second hand car vangum modhu accident vs non accident cars identify epdi panradhu

[@Think-n-Act-Wisely]

Thanks for sharing this various useful information related to Vehicle insurance claim.

[@VivekKBangaru]

Hi Bro, This is really valuable information. Thanks

[@ammasailabassistant6941]

Our car upset a cannel heavy damaged but third party insurance expired car damage insurance expires after ten days from the accident day claim kidaikkuma?

[@likeitreally]

Super sir... Covering out of car review topic.

[@sudhakarsubramanian2505]

Hi Sir, Please do a review on Toyota Glanza 2022 model.

[@rajinichildrensfanrajinich5366]

Make video about the FC, insurance lapsed

[@vijaydev3674]

15 years முடிஞ்ச காருக்கு என்ன type insurance எடுக்கணும், third party எடுத்தால் போதுமா?

[@MohamedJamir-pl8nw]

Take comprehensive insurance your idv will be lesser only so insurance amount will be below 10k

[@JEE-iq8vb]

Insurance companies say only third party,

[@dhanush.b6360]

Best informative channel

[@ilayaraja6879]

சூப்பர்..

[@prakashm7965]

How to act at accident place,what r the. Formalities ?

[@rithishkrishnan7488]

Car repaint insurance la climb panna mudiyuma

[@VM-zp1cz]

How to check the 2nd hand car if already claimed the total loss in one insurance company .Later on if they put the insurance in other company at present

[@mohamedfareen3763]

Hii anna Ipo oru sila peru car vangitu due katta mudiyama erupanga la avanga car a bank man vanthu vangitu poiduvanga la yeppadiyum antha car la nalla condition la erukum Ipo Namma antha mathiri car vanthu eppadi kidaikum antha cars la enga sale pannuvanga Ninga etha pathi details therinjitu seekram video podunga plsss anna

[@ABDURRAHMAN-rl8mh]

Can we claim from insurance for small painting to overcome scratches and dent removal etc? Or we should go with hand cash ( for ex if bill amount is Rs 3000).

[@masirt]

🔥🔥😎நல்ல தகவல் அண்ணா😍😍