Top 5 car insurance companies in india 2024 | Best Claim Settlement Ratio IRDA | Lowest Price Review

[@sangrambiswal7689]

Good information

[@TrekBookIndia]

@@sangrambiswal7689 thank you 😊🙏

[@SandeepMishra-gs8hq]

Nyc video sir.Very informative.

[@TrekBookIndia]

@@SandeepMishra-gs8hq thank you so much 😊🙏

[@shaktiranjanpatra1277]

The best and authentic knowledge by this chhanel ..it's ture and absolute true ...thanks for the authentic information

[@TrekBookIndia]

Thank you very much for your appreciation 😊 this encourages me to make more videos 🙏

[@msshergill1112]

good information 👍

[@TrekBookIndia]

@@msshergill1112 thank you 😊🙏

[@vijaychavan705]

Good vlog nicely explained

[@TrekBookIndia]

@@vijaychavan705 thank you for the appreciation 😊🙏

[@Creepy_Pastaa]

Good info sir💯

[@TrekBookIndia]

@@Creepy_Pastaa thank you for the appreciation 😊🙏

[@trivedishiv188]

Me car insurance ke liye icici Lombard pe jau ya aco pe plz reply me

[@TrekBookIndia]

@@trivedishiv188 both are good choices.. If you can share their offer details and quotes then it would be possible to suggest

[@nitinjadhav108]

I had been very sincerely looking for guidance regarding buying the BEST insurance for my car, i was very confused, i heartily thankyou for making such a great video, it is very useful ❤...

[@TrekBookIndia]

You are most welcome 😊 I'm really happy that the information helped you choosing best insurance for your car 👍😊

[@gauravsaini3322]

Thank you sir for your research work it's very much help full for me, my car insurance is due in December. God bless you sir with lot of happiness and health now and always.

[@TrekBookIndia]

@@gauravsaini3322 you are most welcome 😊🙏

[@PratikExa]

Hdfc ergo se kiya hai. Claim reject kar diya 😢 ab consumer court me case kar rha hun agar koi important tips dena cahta hai to reply karna 🙏

[@TrekBookIndia]

@@PratikExa If your HDFC ERGO car insurance claim has been rejected and you're planning to take the matter to the consumer court, here are some important tips to strengthen your case: 1. Understand the Rejection Reason - Review the rejection letter and policy documents thoroughly. - Identify whether the rejection was due to procedural reasons, policy exclusions, or miscommunication. - Common reasons include late claim filing, missing documents, or situations explicitly excluded in the policy. 2. Collect Evidence - Gather all relevant documents, including: - Insurance policy. - Claim submission proof (emails, acknowledgment receipts, etc.). - Rejection letter/email from HDFC ERGO. - FIR or accident report (if applicable). - Photos or videos of the damage. - Repair estimates or bills. - Maintain a timeline of all communication with the insurer. 3. Contact HDFC ERGO Grievance Cell - Before approaching the consumer court, escalate the issue to the grievance redressal department of HDFC ERGO. - You can email or write to them explaining your case and attach all supporting evidence. - Insurers often resolve disputes at this stage to avoid legal proceedings. 4. Approach the Insurance Ombudsman - If the grievance cell doesn’t resolve your issue, file a complaint with the Insurance Ombudsman. - This is a faster and cost-free method compared to consumer court. - You can file online via the IRDAI website or directly with the ombudsman’s office. 5. Filing a Consumer Court Case If the above steps fail: - Jurisdiction: File the complaint in the consumer forum that has jurisdiction over your location. - Draft a Complaint: - Clearly explain the issue, reason for claim rejection, and why you believe it is unfair. - State the compensation you seek (claim amount, interest, legal costs, etc.). - Attach Documents: Include all evidence (policy, rejection letter, correspondence, etc.). - Pay Court Fees: A nominal fee is required, based on the compensation amount. 6. Legal Representation - While consumer courts are designed to be user-friendly, having a lawyer or consultant experienced in insurance disputes can improve your chances. - They can help present your case more effectively and handle technical arguments. 7. Stay Calm and Persistent - Be professional and avoid emotional arguments. - Focus on facts, policy terms, and evidence. 8. Awareness of Rights - Under the Consumer Protection Act, you are entitled to fair service and compensation for deficiencies. - Insurance companies are bound by the IRDAI's Protection of Policyholder Interests Regulations, which they must follow. If you present a well-documented case and can prove that the claim rejection was unfair, you stand a good chance of getting the decision overturned. Good luck!

[@sarthakgupta101]

Sir I bought my new car last month and dealer gave me future generali insurance with my car and last week I suffered from an accident and it damage my left door of my car and also right side but insurance company is giving only one side claim So that’s fair for me to purchase 45k insurance n still not getting claim . So please suggest me what should I do ..?

[@TrekBookIndia]

Please note that below information is for educational purposes only and should not be considered as professional advice. 1. Understand Your Policy Coverage - Check your Future Generali insurance policy document thoroughly. Look for details about what is covered under your policy. Specifically, check for: - Own Damage (OD) coverage - Exclusions or limitations - Terms regarding multiple damages in a single incident. 2. Clarify with the Insurance Company - Contact the insurance company’s customer service or the claims department. - Explain the situation and ask why only one side is being covered. - Request them to provide a written explanation of their decision. 3. Reach Out to the Dealer - Since the dealer provided the insurance, they might help mediate the issue. - Ask them to assist in getting the full claim approved, as they have connections with the insurer. 4. File a Grievance with the Insurance Company - If you’re unsatisfied with the response, lodge a formal grievance with Future Generali through their: - Grievance redressal system (available on their website). - Customer care email or helpline. 5. Approach the Insurance Ombudsman - If the issue isn’t resolved, you can file a complaint with the Insurance Ombudsman in your region. - It’s a free service for policyholders, and they help resolve disputes between insurers and customers. 6. Seek Legal Advice (if needed) - If the damage is significant and the amount is substantial, consult a lawyer who specializes in insurance claims. Tips to Strengthen Your Case: - Gather all documents related to the claim (policy document, accident photos, repair estimate, rejection letter, etc.). - If the accident caused damage to both sides simultaneously, insist that it’s a single incident claim. Do not settle for an unfair claim decision. Insist on your rights as a policyholder. Future Generali, like all insurers, is regulated by the IRDAI (Insurance Regulatory and Development Authority of India), and they must act fairly under the law.

[@theunconventionaltalks3580]

Sir yaar me bahut confused hu. Samajh nahi araha Bilkul. In top 10 companies ke bhi mixed reviews hai. Companies claim reject kar deti hai agar minor dent pent ya bumper problem ho. Reddit and Quora pe acho Tata aig sbi hdfc ergo ke mixed review. Sir app mujhe please suggest karo konsi policy best rehegi. Meri car 2012 model cng WagonR hai. Second owner hai.

[@TrekBookIndia]

@@theunconventionaltalks3580 मेरा एक सिम्पल मेथड है जो मेरे दोस्त है जिनको में कई सालो से पहचानता हूं उनके थ्रू में कार इन्शुरन्स, हेल्थ इन्शुरन्स करवाता हु इसका फायदा ये होता है की कुछ हो जाये... कार का छोटा भी एक्सीडेंट हो जाये तो वो इमिजेटली सब मॅनेज कर लेते है और मुझे क्लेम आराम से मिल जाता है तो कोई भी कंपनी हो जो अच्छा दोस्त है उसके पास से करवाता हु इस टाइम मेरा कार का एचडीएफसी ergo करवाया है, तुमची कंपनी भी अच्छी है और मेरा दोस्त उसका एजंट है

[@dr.monubhujel2178]

You should have mentioned your opinion

[@TrekBookIndia]

@@dr.monubhujel2178 yes your suggestion is correct, but when I mention my recommendation then people comment that it's a paid review 🤔😅 So best way I feel is to provide data and rank the top companies in best possible order, viewer can then judiciously select best option for him 🙏

[@amukherjee5280]

Govt company jiska (e.g. :Oriental Insurance) ICR more than 100% hai , customers ke liye achha hi hai na, jitna paisa 💰 utha rahi hai usse zyada claim disburse kr rhi hai to iska CSR kam kyun hai……???? Claim settlement kar rhi hai zyada tabhi to ICR zyada hai.. Explain pls

[@TrekBookIndia]

High ICR means company spending more money that collected, but its possible that they are settling high value claims from total claims received and low value claims being rejected or delayed in payment. So result will be high payout but less number of settled claims. A high ICR reflects the financial burden of claims paid out, whereas a low CSR highlights operational inefficiencies or stricter claim approval policies. this situation suggests the company is spending heavily on large claims while struggling with efficiency in processing and settling a higher volume of smaller claims.

[@TrekBookIndia]

For an example - Company collects 100 rs premiums Now it receives 50 claims, out of which 30 claims are of higher values and hence company pays 120 which is why ICR crosses 100% But then company rejects remaining 20 claims hence resulting in low CSR 😅

[@agni8830]

Acko website problem

[@TrekBookIndia]

bitli.in/pk8P8OW This link for ACKO is working fine... I just checked

[@Kaun.manish]

❤

[@TrekBookIndia]

😊🙏