Total Loss- Motor Insurance Claim Case.

Constructive total loss/ total loss- Motor od insurance claim case.

[@SumoTheUltimateTraveller]

Sir, how precise u are at ur topic. Just fantastic

[@AmarbirSingh]

Very nice video.Most of the people don't know how to deal with insurence company in case of total loss

[@mr.youtuber379]

Thank you Sir

[@motorinsuranceclaimspracti4142]

Appointment of Approved Surveyor:- भारतीय बीमा कानून मे लिखा हुआ है कि, बीमा नियामक द्वारा तैय की गयी राशि से अधिक value के क्लेम की सूचना बीमा कंपनी को दी जायेगी, तो उस क्लेम केस के लिए एक एप्रूवड सर्वेयर की नियुक्ति बीमा कंपनी को करनी होगी। THE INSURANCE LAWS (AMENDMENT) ACT, 2015 NO. 5 OF 2015. 82 Clause 64UM, (4) No claim in respect of a loss which has occurred in India and requiring to be paid or settled in India equal to or exceeding an amount specified in the regulations by the Authority in value on any policy of insurance, arising or intimated to an insurer at any time after the expiry of a period of one year from the commencement of the Insurance Laws (Amendment) Act, 2015, shall, unless otherwise directed by the Authority, be admitted for payment or """ settled by the insurer unless he has obtained a report, on the loss that has occurred, from a person who holds a licence issued under this section to act as a surveyor or loss assessor (hereafter referred to as "approved surveyor or loss assessor") """: """" Provided that nothing in this sub-section shall be deemed to take away or abridge the right of the insurer to pay or settle any claim at any amount different from the amount assessed by the approved surveyor or loss assessor"""". जैसे बीमा नियामक ने Motor OD claim के लिए Rs. 50,000 से ज्यादा value के क्लेम के लिए तथा Non Motor मे Rs, 1,00,000.00 से ज्यादा valueके क्लेम के लिए नियम बनाया हुआ है। According to Surveyor Regulations 2015-20:- 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. अशोक कुमार सिंह, ग्रेटर नोएडा, उत्तर प्रदेश।

[@ankursinghbhakuni2]

Good morning sir, I need your guidance. My vehicle is under constructive total loss. Please guide me.

[@amitsdave1]

Sir ji, Meri car flooded me affected hai. Abhi workstation and surveyor do no muje total loss ke liye pressurized kar rahe hai. Jab ki road side michanic ekdam low cost me repair karne ke liye ready he. Or me total loss karne ke liye ready nahi hoo. Please suggest me the solution. Road side mechanic ke pas gst no wala bill nahi hoga to kua ye effect kare ga.

[@motorinsuranceclaimspracti4142]

@@amitsdave1 आप अपनी गाड़ी को जहाँ चाहे वह रिपेयर कराने के लिए स्वतंत्र हो। यदि gst paid बिल होगा तो बीमा कंपनी gst को pay करेगी, अन्यथा नहीं। क्लेम लेने के लिए gst bill की अनिवार्यत: नहीं है। यदि आपकी गाड़ी का कुल रिपेयर खर्च 75% तक है तो यह एक partial loss claim होगा और यदि इससे ज्यादा तो constructive total loss / total loss. आप बीमा कंपनी को लगभग वास्तविक अनुमानित खर्च की जानकारी देकर उनको बता सकते हो को कि यह गाड़ी मे 75% of IDV से कम खर्च है, इसलिए रह एक partial loss claim है, और आप भी partial loss basis पर क्लेम सैटलमैट चाहते है। यदि बीमा कंपनी तब भी न माने तो आप बीमा कंपनी को जानकारी देकर अपनी जिम्मेदारी पर अपनी गाड़ी मे वर्कशाप पर रिपेयर कार्य शुरू करवा सकते है। आप बीमा कंपनी को बता देगें कि यदि बीमा कंपनी को रिपेयर कार्य चैक करना है तो कर सकती है। जब गाड़ी रिपेयर हो जाय तो बीमा कंपनी को वास्तविक रिपेयर खर्च की जानकारी देकर re inspection करने के लिए कह सकते है। वास्तविक रिपेयर खर्च, अनुमानित खर्च से ज्यादा महत्वपूर्ण होगा।

[@vinodgiri2501]

Thanks sir

[@somnathbhosale3946]

I am also facing same issue last 1 months car in Garage.they are planning my car drop for total loss

[@dkcomputer9958]

thanks

[@avikmandal3219]

After cancellation of Rc in total loss setellment, who is the owner/ claimer of the wreck car??

[@motorinsuranceclaimspracti4142]

बीमा कंपनी क्लेम सैटलमेंट मे क्लेम मे उत्पन्न कबाड़ को बेचकर, क्लेम क्षतिपूर्ति मे इस्तेमाल कर सकती है। अतः बीमा कंपनी कबाड़- wreck value को बेचकर क्षतिपूर्ति में इस्तेमाल कर सकती है।

[@lulwalkerfunnkybaba7829]

Sir, With all respects I want to state my situation. My vehicle is under ICICI Lombard insurance .. idv is around 2.07L which is very low and I didn't knew any thing about idv. My car damage is around 2.3-2.5L( estemeted with two garage) and in private some garages told me it could be repaired under 1.5 L. So insurance company is telling me to take 2L lum sum and sell the vehicle to some auction. I don't want to sell my vehicle and get around about 70-75% of idv to get my car repaired in private. Which will come under 1.5L.

[@motorinsuranceclaimspracti4142]

First of all, you should send a request letter to the insurance company that you do not want the Total Loss Basis Claim Satalmat for this car. As you are telling that a garage in the local market is ready to repair the vehicle for Rs.1.5 lakh. This repair amount is less than 75% of IDV. Therefore, you take a repair eastime from this garage and give it to the insurance company. Keep in mind that it is less than 75% of IDV. If possible, it should only be up to 70-72%. After this, wait for the decision of the insurance company. If the insurance company agrees then it is fine. Otherwise, even after giving information to the insurance company, you should repair the car. When the car is repaired, then inform the insurance company for re -inspection of the vehicle. Then give a repair bill of less than 75% of IDV to the insurance company. According to the insurance policy contract, if the repair cost of the vehicle is less than 75% of IDV, then it is a Partial Loss Basis Claim case. Then the insurance company will not be able to refuse to set your claim case as per insurance rules.

[@SuperVsu]

Sir if they have changed with new components in od claim then what about old components whether insurence company will take old components are we can take

[@motorinsuranceclaimspracti4142]

Insurance company can use old parts value in indemnification of claim. So insurance company can take take old parts.

[@bariktenthouseodisha5500]

Sir total loss car insurance company se kharid ke denting painting kar ke cell karne se RC paper work main future main koi problem hoga kya

[@vinodgiri2501]

सर धन्यवाद माझी गाडी टोटल ल्वास आहे परंतु माझ्या गाडीवर फायनान्स लोन आहे तर लोन ईन्सुरंस कंपनी भरेल का

[@motorinsuranceclaimspracti4142]

मे यह मराठी भाषा ठीक से नहीं समझता हूँ, लेकिन फिर भी मै आपका सवाल समझ गया हूँ। यदि आपकी गाड़ी constructive total loss/ total loss claim है, तो बीमा कंपनी यह क्लेम सैटलमैट करने मे आपसे वाहन पर जो भी finance loan है उसे clear करने के लिए कहेगी, या फिर बीमा कंपनी यह क्लेम सैटलमैट का भुगतान finance company की सहमति से Finance company को करेगी। Finance company अपना कुल शेष finance amount काटकर बाकी पैसा बीमा धारक ग्राहक को लौटा देगी।

[@motorinsuranceclaimspracti4142]

समझ:- 1, बीमा पालिसी अनुबंध में, Indian Motor Tariff 2002 के अंतर्गत G.R. 08 के अनुसार, वाहन की IDV तैय की जाती है। यहाँ पर एक term constructive total loss को लिखा होता है। यदि ""वाहन की"" बीमा क्लेम के अंतर्गत रिपेयर cost यदि IDV के 75% से अधिक होगी तो, वाहन का क्लेम केस एक constructive total loss क्लेम केस होगा। ( Note- यहाँ ध्यान देने योग्य बात यह है कि यहाँ पर वाहन की बीमा क्लेम अंतर्गत repair cost को लिखा है न कि बीमा कंपनी की repair basis, Net liability को लिखा है) जबकि Total loss वह क्लेम होता है, जहां गाड़ी पुरी की पुरी नष्ट हो गयी हो, जिसे रिपेयर करना संभव ही न हो, या चोरी हो गयी हो, आदि आदि। 2, मोटर पैकेज बीमा पालिसी, जैसे निजी कार पैकेज बीमा पालिसी, मे एक condition no. 03 होती है। बीमा पालिसी की condition 03 मे क्लेम सैटलमैट करने के लिए 02 तरीके दिये होते है। एक तो CTL/TL claim case व दुसरा अन्य सभी- partial loss claim. बीमा पालिसी अनुबंध की शर्त 03 मे लिखा होता है कि बीमा कंपनी के पास क्लेम सैटलमैट भुगतान करने के लिए मुख्यतः 03 विकल्प होते है। A, repair reinstate. वाहन की मरम्मत करके बहाल करने का। B, Replacement of vehicle or parts accessories... वाहन को replacement करके, या पार्टस accessories को replacement करके। ( Note:- यहाँ पर पुराने वाहन या पुराने पार्टस के लिए नहीं लिखा हुआ है। यह शर्त नये वाहन या नये parts के लिए होती है, अलबत्ता यदि बीमा धारक ग्राहक की मर्जी है तो वह इसे पुरानी गाड़ी के बदलाव या पुराने पार्टस के बदलाव के साथ भी इस शर्त को अपना सकता है, लेकिन इसके अंतर्गत, पुराने के बदलाव लिए, बीमा धारक ग्राहक पर दबाव नहीं डाला जा सकता है।) C, pay the cash amount of loss or damage. बीमा पालिसी अनुबंध की शर्त 03 में, मोटर बीमा OD claim के लिए बीमा कंपनी की liability को तैय करने का नियम दिया होता है। इसमे liability तैय करने के लिए 02 तरीके दिये होते है। a, जो क्लेम केस total loss या constructive total loss के दायरे मे आते है। constructive total loss की परिभाषा, G.R. 08 के अनुसार होती है। उनमें बीमा कंपनी की अधिकतम liability, गाड़ी की IDV - less wreck value, terms and conditions के तहत होती है। b, CTL/TL claim case के अलावा सभी केस partial loss क्लेम केस होते है। इसमे बीमा कंपनी की liability, actual and reasonable costs of repair or replacement, subject to terms and conditions of policy होती है। Findings:- 1, यहाँ पर total loss व constructive total loss सैटलमैट करने के लिए IDV - Wreck value को लिखा हुआ है। आप यदि जानना चाहे तो dictionary मे देख सकते है कि wreck का मतलब क्या होता है। wreck का मतलब कबाड़ ही होता है। Wreck value का मतलब बिलकुल भी, गाड़ी के रूप मे transfer करके बेचने से प्राप्त value से नहीं होता है। 2, यहाँ सिर्फ दो तरीके के क्लेम सैटलमैट तरीके दिये है। CTL/TL claim case Partial loss claim case. 3, Total loss claim व Constructive total loss सैटलमैट करने के लिए तरीके मे कोई भी फर्क नहीं दिया हुआ है। दोनों को सैटलमैट करने का तरीका एक ही है।

[@motorinsuranceclaimspracti4142]

According to Surveyor Regulations 2015-20. CHAPTER IV DUTIES AND RESPONSIBILITIES OF A SURVEYOR AND LOSS ASSESSOR 13. It shall be the duty of every Licensed Surveyor and Loss Assessor to investigate, manage, quantify, validate and deal with losses (whether insured or not) arising from any contingency, and report thereon to the insurer or insured, as the case may be., All Licensed Surveyors and Loss Assessors shall carry out the said work with competence, objectivity and professional integrity and strictly adhere to the code of conduct as stipulated in these Regulations. 1, (i) Reg 20-(i) Commenting on the admissibility of the claim and assessing the liability of the insurer as per the policy terms and conditions. (m) """satisfying queries of the insured"""/insurer and of persons connected thereto in respect of the claim/loss; (2) A surveyor or loss assessor whether appointed by insurer or insured, shall submit his report to the insurer as expeditiously as possible, but not later than 30 days of his appointment, with a copy of """the report to the insured""" giving his comments on the insured’s consent or otherwise on the assessment of loss. Where, in special circumstances of the case, either due to its special and complicated nature, the surveyor shall under intimation to the insured, seek an extension, in any case not exceeding six months from the insurer for submission of his report. CHAPTER VI CODE OF CONDUCT 16. Every Surveyor and Loss Assessor shall- (1) behave ethically and with integrity in the professional pursuits. """"Integrity implies not merely honesty but fair dealings and truthfulness"""; (2) strive for objectivity in professional and business judgment; (3) """act impartially""", when acting on instructions from an insurer in relation to a policy holder’s claim under a policy issued by that insurer; (4) conduct himself with courtesy and consideration to all people with whom he comes into contact during the course of his work; .... अशोक कुमार सिंह, ग्रेटर नोएडा, उत्तर प्रदेश।

[@amitsirauthorandmentormath18]

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[@amitsirauthorandmentormath18]

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[@divyanshmorle3454]

Sir ji servyor vechile report kaise banaate hai Software par plz ap iski ek vedio bana ke upload kijiye na KZbin par

[@user-if8in9bl7y]

Sir, my two year old car has been categorised as CTL by insurer in recent Chennai floods. The insurer is asking me to give him the RC also. I want to surrender RC to RTO to prevent misuse of my car. But the insurance company is forcing me to hand over the RC. Please advise

[@motorinsuranceclaimspracti4142]

You should register the proper complaint to higher authorities against this illegal process. You should ask the final survey report copy from the insurer/ approved surveyor and check about the salvage disposal.

[@motorinsuranceclaimspracti4142]

You can register a proper complaint at insurance ombudsman office. Chennai insurance ombudsman office is very active.

[@motorinsuranceclaimspracti4142]

You can send a proper complaint to DG police of concern state.

[@motorinsuranceclaimspracti4142]

This is for information the concept of constructive total loss has been imported from the law relating to marine and fire insurance. Under the Marine Insurance Act, 1963, Section 56 provides that any loss other than a total loss is a partial loss and that a total loss can either be actual total loss or a constructive total loss. There is no difference in settlement of constructive total loss or total loss claim under motor OD insurance. There is a single way to settle both types of insurance claims in the Indian Motor Tariff 2002 or Insurance Policy Contract. We have to understand the meaning of wreck value or wreckage in the right direction. 1. As per- THE MARINE INSURANCE ACT, 1963. 56. Partial and total loss.- (1) A loss may be either total or partial. Any loss other than a total loss, as hereinafter defined, is a partial loss. (2) A total loss may be either an actual total loss, or a constructive total loss. (3) Unless a different intention appears from the terms of the policy, an insurance against total loss includes a constructive, as well as an actual, total loss. (4) Where the assured brings a suit for a total loss and the evidence proves only a partial loss, he may, unless the policy otherwise provides, recover for a partial loss. (5) Where goods reach their destination in specie, but by reason of obliteration of marks, or otherwise, they are incapable of identification, the loss, if any, is partial and not total. 57. Actual total loss.- (1) Where the subject-matter insured is destroyed, or so damaged as to cease to be a thing of the kind insured, or where the assured is irretrievably deprived thereof, there is an actual total loss. (2) In the case of an actual total loss no notice of abandonment need be given. 2. Some part of """General Regulations 08"" of Indian Motor Tariff / Insurance policy contract:- A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and / or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of the IDV. For the purpose of TL/CTL claim settlement, this IDV will not change during the currency of the policy period in question. It is clearly understood that the liability of the insurer shall in no case exceed the IDV as specified in the policy schedule less the value of the wreck, in „as is where is‟ condition. 3. STANDARD FORM FOR PRIVATE CAR PACKAGE POLICY :- Policy condition 03- 3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the loss or damage and the liability of the Company shall not exceed: (a) for total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck. (b) for partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle - actual and reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as per limits specified. Regards, Ashok Kumar Singh. Greater Noida, U.P..

[@motorinsuranceclaimspracti4142]

3. As per IRDAI Circular- Circular- Ref. No: IRDAI/NL/CIR/MOTOD/118/07/2019 Date:26-07-2019 Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles To, ALL GENERAL INSURERS (OTHER THAN STAND-ALONE HEALTH INSURERS AND SPECIALISED INSURERS) Re: - Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles It has come to the notice of Authority that in case of Total Loss (TL) of the vehicle, salvage of the vehicle is being sold to scrap dealers without cancelling Certificate of Registration (RC) of the vehicle. 2. It has been informed by the Law Enforcement Authorities that documents pertaining to such vehicles are being misused like giving new identity to the stolen vehicles by forging engine number and chassis number of destroyed vehicles under TL claims. 3. As per Section 55 of Motor Vehicle Act 1988, (1) If a motor vehicle has been destroyed or has been rendered permanently incapable of use, the owner shall, within fourteen days or as soon as may be, report the fact to the registering authority within whose jurisdiction he has the residence or place of business where the vehicle is normally kept, as the case may be, and shall forward to the authority the certificate of registration of the vehicle. (2) The registering authority shall, if it is the original registering authority, cancel the registration and the certificate of registration, or, if it is not, shall forward the report and the certificate of registration to the original registering authority and that authority shall cancel the registration. 4. “””In view of the above, all insurers are advised to ensure cancellation of Certificate of Registration (RC) of the vehicle in case of total loss claim settlement”””. Yours faithfully, (Yegnapriya Bharath) Chief General Manager (NL) Insurance Regulatory and Development Authority of India. All Right Reserved.

[@SuperVsu]

Sir how much percentage they will give regarding plastic material and iron materials for my bike od claim

[@motorinsuranceclaimspracti4142]

As per Indian Motor Tariff 2002- GR.9. Depreciation on Parts for Partial Loss Claims The following rates of depreciation shall apply for replacement of parts for partial loss claims in respect of all categories of vehicles / accessories. 1. Rate of depreciation for all rubber nylon/ plastic parts, tyres and tubes, batteries and air bags - 50% 2 Rate of depreciation for all fibre glass components - 30% 3. Rate of depreciation for all parts made of glass - Nil 4. Rate of depreciation for all other parts including wooden parts is to be as per the following schedule : AGE OF THE VEHICLE % OF DEPRECIATION Not exceeding 6 months Nil Exceeding 6 months but not exceeding 1 year 5% Exceeding 1 year but not exceeding 2 years 10% Exceeding 2 years but not exceeding 3 years 15% Exceeding 3 years but not exceeding 4 years 25% Exceeding 4 years but not exceeding 5 years 35% Exceeding 5 years but not exceeding 10 years 40% Exceeding 10 years 50%

[@mywould334]

Namaskar sar mera naam Ravindra pal hai meri gadi mere pass ek gadi hai Audi A6 jiska accident ho gaya tha New year Wale din ek tarikh ko aur vah abhi Audi service center mein hai uski gadi ki id bhi values 17 lakh plus hai gadi ka model 2014 hai repairing cost ka Maine company se poochha to unhone mujhe kaha ki 20 se 25 ke aaspaas estimate Banega yah unhone mujhe मोटा-मोटा bataya but unhone mujhe yah bhi kaha ki gadi total loss bhi ho sakti hai to sar mujhe bataiye ki mujhe gadi theek karani chahie ya total loss ya agar gadi total loss hoti hai to kya process rahega Mera claim milane mein aur Kitna claim mujhe milega and off d de aur ismein lagbhag kitna time lagega

[@motorinsuranceclaimspracti4142]

Protection of policy holders interest gazette notification 2017,- 15. CLAIM PROCEDURE IN RESPECT OF A GENERAL INSURANCE POLICY 1. An insured or the claimant shall give notice to the insurer of any loss arising under contract of insurance at the earliest or within such extended time as may be allowed by the insurer. On receipt of such a communication, a general insurer shall respond immediately and give clear information to the insured on the procedures that he should follow. In cases where a surveyor has to be appointed for assessing a loss/claim, it shall do so immediately, in any case within 72 hours of the receipt of intimation from the insured. Insurer shall communicate the details of the appointment of surveyor, """"including the role, duties and responsibilities of the surveyor to the insured by letter, email or any other electronic form immediately after the appointment of the surveyor"""". 2. The insurer / surveyor shall within """"7 days of the claim intimation, inform the insured / claimant of the essential documents and other requirements that the claimant should submit in support of the claim""""". Where documents are available in public domain or with a public authority, the surveyor/insurer shall obtain them. 3. The surveyor shall start the survey immediately unless there is a contingency that delays immediate survey, in any case within 48 hours of his appointment. Interim report of the physical details of the loss shall be recorded and uploaded/forwarded to the insurer within the shortest time but not later than 15 days from the date of first visit of the surveyor. """"A copy of the interim report shall be furnished by the insurer to the insured/claimant, if he so desires"""". 4. Where the insured is unable to furnish all the particulars required by the surveyor or where the surveyor does not receive the full cooperation of the insured, """" the insurer or the surveyor, as the case may be, shall inform in writing to the insured under information to the insurer about the consequent delay that may result in the assessment of the claim""" . """" It shall be the duty equally of the insurer and the surveyor to follow up with the insured for pending information/documents guiding the insured with regard to submissions to be made"""". """" The insurer and/or surveyor shall not call for any information/document that is not relevant for the claim""""". 5. (i) The surveyor shall, subject to sub-regulation 4 above, submit his final report to the insurer within 30 days of his appointment. """"A copy of the surveyor’s report shall be furnished by the insurer "to the insured/claimant", if he so desires"""". Notwithstanding anything mentioned herein, in case of claims made in respect of commercial and large risks the surveyor shall submit the final report to the insurer within 90 days of his appointment. However, such claims shall be settled by the insurer within 30 days of receipt of final survey report and/or the last relevant and necessary document as the case may be. (ii) Where special circumstances exist in respect of a claim either due to its special / complicated nature, or due to difficulties associated with replacement/reinstatement, the surveyor shall, seek an extension from insurer for submission of his report. """"In such an event, the insurer shall give the status to the insured/claimant fortnightly wherever warranted""". The insurer may make provisional/ on account payment based on the admitted claim liability. 6. If an insurer, on the receipt of a survey report, finds that it is incomplete in any respect, he shall require the surveyor, under intimation to the insured/claimant; to furnish an additional report on certain specific issues as may be required by the insurer. Such a request may be made by the insurer within 15 days of the receipt of the final survey report. Provided that the facility of calling for an additional report by the insurer shall not be resorted to more than once in the case of a claim. 7. The surveyor, on receipt of this communication, shall furnish an additional report within three weeks from the date of receipt of communication from the insurer. 8. On receipt of the final survey report or the additional survey report, as the case may be, and on receipt of all required information/documents that are relevant and necessary for the claim, an insurer shall, with in a period of 30 days offer a settlement of the claim to the insured/claimant. If the insurer, for any reasons to be recorded in writing and communicated to the insured/claimant, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of the final survey report and/or additional information/documents or the additional survey report, as the case may be. 9. """" In case, the amount admitted is less than the amount claimed, then the insurer shall inform the insured/claimant in writing about the basis of settlement in particular, where the claim is rejected, the insurer shall give the reasons for the same in writing drawing reference to the specific terms and conditions of the policy document""". 10. """In the event the claim is not settled within 30 days as stipulated above, the insurer shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by insurer till the date of actual payment""". 19. GENERAL PRINCIPLES: 6. Any breach of the obligations cast on an insurer or distribution channels or surveyors in terms of these regulations may enable the Authority to initiate action against each or all of them, jointly or severally, under the Act and/or the Insurance Regulatory and Development Authority Act, 1999.

[@SuperVsu]

Sir thanks for your gudience and support my work is completed sir and also can you give information regarding salvage ..company had removed some percentage regarding my final settlement amount

[@acneditz4081]

Hellow sir I am stucked in such situation can we communicate by any way It will help me alot plz sir

[@chetrammeena85400]

Gareg parking charge kon bharta hai till sattalment

[@motorinsuranceclaimspracti4142]

बीमा कंपनी idv के अनुसार क्लेम सैटल करती है। गैराज में खड़ी गाड़ी के लिए parking charge का भुगतान नहीं करती है।

[@arunnayak8837]

My vehicle proposed for constructive total loss but I want to repair is it possible

[@motorinsuranceclaimspracti4142]

Share yours claim details on my email, [e-mail]

[@GaganMehra.]

Sir, Pls explain following details. 1. Total loss/CTL 2. Cashloss 3. Net of Salvage

[@9329501813]

Kya sir hum surveyor sahaab se assessment report maang sakte hain. Please sir help me

[@motorinsuranceclaimspracti4142]

जी बिलकुल मांग सकते है। सर्वेयर रेगुलेशन 2015-20 के अनुसार एक एप्रूवड सर्वेयर को सर्वे रिपोर्ट की एक कापी बीमा धारक ग्राहक को भी देने का भी नियम है। Protection of policy holders interest gazette notification 2017 में भी बीमा धारक ग्राहक के मांगने पर उसे सर्वे रिपोर्ट कापी देने का नियम है। सर्वेयर रेगुलेशन 2015-20 में एप्रूवड सर्वेयर की बहुत सारी जिम्मेदारी है। उसमे एक जिम्मेदारी बीमा धारक ग्राहक को संतुष्ट करने की भी है बीमा धारक तभी संतुष्ट होगा जब उसे उसके क्लेम के विषय मे एक एप्रूवड सर्वेयर के द्वारा क्या पास किया जा रहा है और क्या फ़ेल किया जा रहा है, जब इसकी जानकारी मिलेगी। एक एप्रूवड सर्वेयर को पारदर्शीता के साथ सर्वे संबंधित कार्य, नुकसान आकलन कार्य व अनुशंसा कार्य करना होता है। आप बीमा कंपनी को irdai officials को ईमेल माध्यम या पत्र माध्यम से लिखित मे इसके लिए मांग करो। यदि आपको कोई शिकायत भी है तो वह लिखित में शिकायत करो। आपको जो भी भारतीय भाषा आती है, उसमे लिखकर शिकायत करो। व बीमा कंपनी से लिखित मे जबाब मांगो। तब आपकी शिकायत बेहतर तरीके से हल होगी। जब तक आपको आपकी समस्या का सही हल नहीं मिलता तब तक बार बार शिकायत करो।

[@9329501813]

@@motorinsuranceclaimspracti4142 🙏 Sir aapka Bahut Bahut Bahut Bahut Dhanyawad 🙏

[@motorinsuranceclaimspracti4142]

हद से ज्यादा भ्रष्टाचार:- आजकल के समय मे हमारे देश में मोटर बीमा पैकेज बीमा पालिसी के अंतर्गत मोटर od claim विषय में CTL/TL claim case में, सैटलमैट करने के तरीके मे बहुत बहुत अधिक भ्रष्टाचार चल रहा है। यह भ्रष्टाचार बहुत ही खुलेआम हो रहा है। यहां तक कि यदि इस विषय मे बीमा धारक ग्राहक की और से बीमा कंपनी व बीमा नियामक- IRDAI को शिकायत की जाती है तो भी अधिकांश मामलों में कुछ हासिल नहीं हो पाता है। कोई सुनवाई ही नहीं होती है। यह विषय है कि अधिकांश निजी क्षेत्र की साधारण बीमा कंपनी, मोटर OD क्लेम में, constructive total loss क्लेम केस को, गाड़ी की साल्वेज को wreck value के लिए, एक गाड़ी के तौर पर form 28-29-30 आदि के साथ बिकवाकर कर रही है। जबकि यह बीमा नियमों के अनुसार व मोटर व्हीकल एक्ट के अनुसार एकदम गलत तरीका है। यहाँ पर बहुत सी निजी क्षेत्र की साधारण बीमा कंपनी के officials बताते है कि constructive total loss term , total loss term नहीं होती है। इसमे बीमा कंपनी को अधिकार होता है कि वह साल्वेज को एक गाड़ी के रूप मे मे बिकवा सकती है। कुछ officials कहते है कि constructive total loss का मतलब एक तरीके से cash loss- total loss तरीक़ा होता है। कहने का आशय यह है कि कि एक से बढ़कर एक मूर्खता या धूर्तता की दलीलें देते है। बहुत अफसोस होता है कि एप्रूवड सर्वेयर समाज के कुछ सदस्य जो इन बीमा कंपनी के साथ कार्य कर रहे होते है वे भी इनके अनुसार इनकी मर्जी पसंद दिशा निर्देश आदेश के अनुसार अनुशंसा करने लगते है।

[@abhishekdas149]

Humari ek car flood ko wajah se total loss mei hai... Ab jab claim settle hona hai to wo tata kisi bande ko bhejte hai jo 285000 rupay deke wo car ko kharid raha hai aur baaki kaa paisa insirance company de rahi hai... Problem ye hai ki wo bina kisi naam ke transfer kiye sirf blank transfer paper mein sign karva raha hai.... Ye kaise possible ho sakta hai....hun aise kaise gaadi dede mujhe ye samajh me nhi aa raha hai.... Wo ye keh rahe hai ki hum gaadi ko repair karke aage bechenge aur jo kharidega baad mei uske naaam pe transfer hogi car...

[@motorinsuranceclaimspracti4142]

यदि कोई गाड़ी total loss / CTL क्लेम गाड़ी है, तो नियमानुसार, बीमा कंपनी को उस गाड़ी की rc को कैंसिल करके क्लेम सैटलमेंट करना होता है। यदि ऐसा नहीं हो रहा है तो बीमा कंपनी नियम विरुद्ध तरीके से यह क्लेम को सैटलमेंट कर रही होगी। बीमा कंपनी आपको जिस तरीके से क्लेम सैटलमेंट करने के लिए कह रही है, आप उसे बीमा कंपनी से लिखकर देने को कहो। बीमा कंपनी स्वयं, आपको लिखकर नहीं देगी।

[@motorinsuranceclaimspracti4142]

STANDARD FORM FOR PRIVATE CAR PACKAGE POLICY :- Policy condition 03- 3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the loss or damage and the liability of the Company shall not exceed: (a) for total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck. (b) for partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle - actual and reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as per limits specified.

[@motorinsuranceclaimspracti4142]

As per IRDAI Circular- CircularRef. No:IRDAI/NL/CIR/MOTOD/118/07/2019 Date:26-07-2019 Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles To, ALL GENERAL INSURERS (OTHER THAN STAND-ALONE HEALTH INSURERS AND SPECIALISED INSURERS) Re: - Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles It has come to the notice of Authority that in case of Total Loss (TL) of the vehicle, salvage of the vehicle is being sold to scrap dealers without cancelling Certificate of Registration (RC) of the vehicle. 2. It has been informed by the Law Enforcement Authorities that documents pertaining to such vehicles are being misused like giving new identity to the stolen vehicles by forging engine number and chassis number of destroyed vehicles under TL claims. 3. As per Section 55 of Motor Vehicle Act 1988, (1) If a motor vehicle has been destroyed or has been rendered permanently incapable of use, the owner shall, within fourteen days or as soon as may be, report the fact to the registering authority within whose jurisdiction he has the residence or place of business where the vehicle is normally kept, as the case may be, and shall forward to the authority the certificate of registration of the vehicle. (2) The registering authority shall, if it is the original registering authority, cancel the registration and the certificate of registration, or, if it is not, shall forward the report and the certificate of registration to the original registering authority and that authority shall cancel the registration. 4. In view of the above, all insurers are advised to ensure cancellation of Certificate of Registration (RC) of the vehicle in case of total loss claim settlement. Yours faithfully, (Yegnapriya Bharath) Chief General Manager (NL)

[@motorinsuranceclaimspracti4142]

I am sharing the """Report of the Working Group""" on Revisiting the product structure of Motor Own Damage 20th March, 2019, IRDAI. It is proposed for future. 3. Total Loss / Constructive Total Loss Claims: A vehicle will be considered to be a CTL, where the aggregate assessed cost of retrieval and / or repair of the vehicle before application of depreciation, salvage and deductibles exceeds 75% of the Sum Insured. In all cases of Total Loss / CTL, """the Registration Certificate of the vehicle shall be cancelled""" and claim shall be settled only after the Insured surrenders such cancelled RC. The policy shall be cancelled without return of premium. In Theft of entire vehicle, Total Loss and Constructive Total Loss claims the Sum Insured shall be payable. Note- Assessed meaning is also for assessment with policy terms & conditions.

[@motorinsuranceclaimspracti4142]

As per Surveyor Regulations 2015- CHAPTER IV DUTIES AND RESPONSIBILITIES OF A SURVEYOR AND LOSS ASSESSOR 13. It shall be the duty of every Licensed Surveyor and Loss Assessor to investigate, manage, quantify, validate and deal with losses (whether insured or not) arising from any contingency, and report thereon to the insurer or insured, as the case may be., All Licensed Surveyors and Loss Assessors shall carry out the said work with competence, objectivity and professional integrity and strictly adhere to the code of conduct as stipulated in these Regulations. (1) The following, shall, inter alia, be the duties and responsibilities of a Surveyor and Loss Assessor:- (c) maintaining confidentiality and neutrality without jeopardising the liability of the insurer and claim of the insured; (g) estimating, measuring and determining the quantum and description of the subject under loss; (i) As per Surveyor Regulations 2020- 11. Regulation 13 - Duties and Responsibilities of a Surveyor and Loss Assessor: 11.1 Clause (i) of Sub-Regulation (1) of Regulation 13 shall be substituted, namely; """Commenting on the admissibility of the claim and assessing the liability of the insurer as per the policy terms and conditions""". (m) """satisfying queries of the insured/insurer and of persons connected thereto in respect of the claim/loss"""; (2) A surveyor or loss assessor whether appointed by insurer or insured, shall submit his report to the insurer as expeditiously as possible, but not later than 30 days of his appointment, with a copy of the report to the insured giving his comments on the insured’s consent or otherwise on the assessment of loss. Where, in special circumstances of the case, either due to its special and complicated nature, the surveyor shall under intimation to the insured, seek an extension, in any case not exceeding six months from the insurer for submission of his report. CHAPTER VI CODE OF CONDUCT 16. Every Surveyor and Loss Assessor shall- (1) behave ethically and with integrity in the professional pursuits. """ cIntegrity implies not merely honesty but fair dealings and truthfulness""" ; (2) strive for objectivity in professional and business judgment; (3) """act impartially, when acting on instructions from an insurer in relation to a policy holder’s claim under a policy issued by that insurer""; (4) conduct himself with courtesy and consideration to all people with whom he comes into contact during the course of his work; (7) carry out his professional work with due diligence, care skill and with proper regard to technical and professional standards expected of him;

[@NitishKumar-bs4ye]

Sir agar gadi total loss hua ...aur claim 2 mahine me settle hota hai to parking charge and billing ka 3 percent showroom wale maang rahe hain wo kaun pay karega.

[@motorinsuranceclaimspracti4142]

@@NitishKumar-bs4ye मोटर own damage बीमा पालिसी के अनुसार Motor O D total loss claim मे बीमा कंपनी की जिम्मेदारी गाड़ी की बीमित राशि IDV तक की होती है, साथ ही यदि कुछ add on coverage है तो उसकी होती है, यदि गाड़ी towing हुई है तो एक तैय राशि तक towing charge की जिम्मेदारी होती है। लेकिन बीमा पॉलिसी में estimate charge या parking charge की जिम्मेदारी बीमा कंपनी की नही लिखी हुई है। हालंकि यह बात सच है कि Motor own damage total loss claims मामलो मे ये estimate charges व parking charges एक विवादित मामला है। estimate charge का इस प्रकार से percentage में होने का कोई नियम नहीं होता है। यदि tie up insura cepolicy होती है जैसे Maruti tie up insurance policy तो इनके advertisement मे क्लेम मे estimate charge नहीं लगाने के लिए लिखा होता है। मेरा मानना है कि काफी बार बीमा कंपनी इन प्रकार के क्लेम सैटलमैट करने में बहुत समय लगा देती है, जिस वजह से ये charges बहुत ज्यादा हो जाते है। जबकि इस delay में बीमाधारक ग्राहक की ओर से कोई गलती नहीं होती है। ऐसे मामले मे इसके लिए बीमा कंपनी को जिम्मेदार कहा जा सकता है व न्यायिक system से यह हर्जाना बीमा कंपनी से लिया जा सकता है। वैसे सामान्यतः ये charges एकदम hard and fast रूप से fix नही होते है, ये आपस मे mutually negotiable होते है।

[@NitishKumar-bs4ye]

@@motorinsuranceclaimspracti4142 thank u so much sir for real information

[@divyaranigodas705]

Sir car repair cost mei jo gst hota hi Bill mei vo insurance company pay karti hi ya policy holder

[@motorinsuranceclaimspracti4142]

बीमा पालिसी निजी कार अनुबंध मे शर्त 03 के अनुसार actual reasonable cost of repair की जिम्मेदारी बीमा कंपनी की होती है। किसी भी पार्ट या लेबर की कीमत tax ( GST) के सहित होती है। इसलिए बीमा कंपनी की जिम्मेदारी GST देने की भी होती है।

[@motorinsuranceclaimspracti4142]

Private car package policy- 3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the loss or damage and the liability of the Company shall not exceed: (a) for total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck. (b) for partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle - """"actual and reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as per limits specified"""".

[@anubhavpratap2357]

Sir how long it takes to settle total loss settlement my bike went in total loss as repairing cost of the bike got over 75% . But it's been more than 22 days still it has not been processed.

[@anubhavpratap2357]

Company name is chola ms

[@motorinsuranceclaimspracti4142]

Protection of policy holders interest gazette notification 2017,- 15. CLAIM PROCEDURE IN RESPECT OF A GENERAL INSURANCE POLICY 1. An insured or the claimant shall give notice to the insurer of any loss arising under contract of insurance at the earliest or within such extended time as may be allowed by the insurer. On receipt of such a communication, a general insurer shall respond immediately and give clear information to the insured on the procedures that he should follow. In cases where a surveyor has to be appointed for assessing a loss/claim, it shall do so immediately, in any case within 72 hours of the receipt of intimation from the insured. Insurer shall communicate the details of the appointment of surveyor, """"including the role, duties and responsibilities of the surveyor to the insured by letter, email or any other electronic form immediately after the appointment of the surveyor"""". 2. The insurer / surveyor shall within """"7 days of the claim intimation, inform the insured / claimant of the essential documents and other requirements that the claimant should submit in support of the claim""""". Where documents are available in public domain or with a public authority, the surveyor/insurer shall obtain them. 3. The surveyor shall start the survey immediately unless there is a contingency that delays immediate survey, in any case within 48 hours of his appointment. Interim report of the physical details of the loss shall be recorded and uploaded/forwarded to the insurer within the shortest time but not later than 15 days from the date of first visit of the surveyor. """"A copy of the interim report shall be furnished by the insurer to the insured/claimant, if he so desires"""". 4. Where the insured is unable to furnish all the particulars required by the surveyor or where the surveyor does not receive the full cooperation of the insured, """" the insurer or the surveyor, as the case may be, shall inform in writing to the insured under information to the insurer about the consequent delay that may result in the assessment of the claim""" . """" It shall be the duty equally of the insurer and the surveyor to follow up with the insured for pending information/documents guiding the insured with regard to submissions to be made"""". """" The insurer and/or surveyor shall not call for any information/document that is not relevant for the claim""""". 5. (i) The surveyor shall, subject to sub-regulation 4 above, submit his final report to the insurer within 30 days of his appointment. """"A copy of the surveyor’s report shall be furnished by the insurer "to the insured/claimant", if he so desires"""". Notwithstanding anything mentioned herein, in case of claims made in respect of commercial and large risks the surveyor shall submit the final report to the insurer within 90 days of his appointment. However, such claims shall be settled by the insurer within 30 days of receipt of final survey report and/or the last relevant and necessary document as the case may be. (ii) Where special circumstances exist in respect of a claim either due to its special / complicated nature, or due to difficulties associated with replacement/reinstatement, the surveyor shall, seek an extension from insurer for submission of his report. """"In such an event, the insurer shall give the status to the insured/claimant fortnightly wherever warranted""". The insurer may make provisional/ on account payment based on the admitted claim liability. 6. If an insurer, on the receipt of a survey report, finds that it is incomplete in any respect, he shall require the surveyor, under intimation to the insured/claimant; to furnish an additional report on certain specific issues as may be required by the insurer. Such a request may be made by the insurer within 15 days of the receipt of the final survey report. Provided that the facility of calling for an additional report by the insurer shall not be resorted to more than once in the case of a claim. 7. The surveyor, on receipt of this communication, shall furnish an additional report within three weeks from the date of receipt of communication from the insurer. 8. On receipt of the final survey report or the additional survey report, as the case may be, and on receipt of all required information/documents that are relevant and necessary for the claim, an insurer shall, with in a period of 30 days offer a settlement of the claim to the insured/claimant. If the insurer, for any reasons to be recorded in writing and communicated to the insured/claimant, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of the final survey report and/or additional information/documents or the additional survey report, as the case may be. 9. """" In case, the amount admitted is less than the amount claimed, then the insurer shall inform the insured/claimant in writing about the basis of settlement in particular, where the claim is rejected, the insurer shall give the reasons for the same in writing drawing reference to the specific terms and conditions of the policy document""". 10. """In the event the claim is not settled within 30 days as stipulated above, the insurer shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by insurer till the date of actual payment""". 19. GENERAL PRINCIPLES: 6. Any breach of the obligations cast on an insurer or distribution channels or surveyors in terms of these regulations may enable the Authority to initiate action against each or all of them, jointly or severally, under the Act and/or the Insurance Regulatory and Development Authority Act, 1999.

[@moryacybercafe6503]

Sir meri gaadi ki idv 160000 hai aur maine claim process dala aur local mechanic ne 130000 ka estimate cost diya hai. Surveyor aye the tab unhone dekha estimate aur bol rahe hai itna labour charges kaise and all. Nahi to company me denge and all. Lekin 2016 ki model hai isliye mujhe bahut logon ne advice diya company me bahut bill karenge and all. Kya unko authority hai ki wo jaha bolenge wahi repair karna padega ya kuch. Surveyor aise kaise bol sakta hai dusre jaga bhi dikha ke dekhiye and all. nahi to company total loss karegi bola. Please help me for this sir.

[@moryacybercafe6503]

Mail bhi dala hai sir aapko

[@archanab8002]

👌sir

[@sudhanshurai2762]

Sir i need ur help the surveyor has put my vehicle in total loss whereas i think it can be easily repaired.

[@motorinsuranceclaimspracti4142]

[e-mail]

[@motorinsuranceclaimspracti4142]

One insurance ombudsman decision regarding Pressurised for CTL/TL claim case:- PROCEEDINGS BEFORE THE INSURANCE OMBUDSMAN, STATE OF WESTERN U.P AND UTTARAKHAND UNDER THE INSURANCE OMBUDSMAN RULES, 2017 OMBUDSMAN - SH. C.S. PRASAD CASE OF SH. A.K. MISHRA V/S. IFFCO TOKIO GEN. INS. CO. LTD. COMPLAINT REF: NO NOI- G- 023- 2122 - 0059 AWARD NO: 1. Name & Address of the Complainant Sh. A.K. Mishra 216-1, Karwala Wali Gali, Shivpuri, Etah, Uttar Pradesh-282001. Phone No. 9990425023. 2. Policy No: Type of Policy Policy period IDV MC085871 Private Car Package Policy 31.12.2019 to 30.12.2020 Rs.2,97,110/- 3. Name of the insured Name of the policyholder Sh. A.K. Mishra Sh. A.K. Mishra 4. Name of the insurer Iffco Tokio Gen. Ins. Co. Ltd. 5. Date of Repudiation NA 6. Reason for repudiation NA 7. Date of receipt of the Complaint 15.06.2021 8. Nature of complaint Private Vehicle 9. Amount of Claim -- 10. Date of Partial Settlement NA 11. Amount of relief sought Annex VI A not submitted 12. Complaint registered under Rule no: of IOB rules 13 1 (b) 13. Date of hearing/place 06.08.2021 / Noida 14. Representation at the hearing a) For the Complainant Sh. A.K. Mishra b) For the insurer Mr. Sumant Raj Singh , G.M. 15 Complaint how disposed Award 16 Date of Award/Order 12.08.2021 17) Brief Facts of the Case:- Sh. A.K. Mishra, the Complainant had taken the Private Car Package Policy No. MC085871 for the period from 31.12.2019 to 30.12.2020 for the IDV of Rs.2,97,110/- for his Vehicle No. UP 82 V 6106 Maruti Dzire 2014 from Iffco Tokio General Insurance Co. Ltd.. His claim was not settled by the Insurance Company. Aggrieved, he requested the insurer including its GRO to reconsider the claim but failed to get any relief. Thereafter, he preferred a complaint to this office for resolution of his grievance. 18) Cause of Complaint: a) Complainant’s argument: The complainant Sh. A.K. Mishra stated in his complaint that his vehicle met with an accident on 17.12.2020 while returning from kasganj towards Etah and sustained damages consequential to the said accident. The same was duly sent to the authorized Maruti Suzuki Workshop at Artauni, Agra for carrying out the repair work on 18.12.2020 and a claim was lodged. """"" The Insurer informed to the Complainant that the vehicle was beyond repairs and therefore the Company would consider it as total loss""""". """An Objection Letter dated 20.01.2020 was duly sent to the Company in this regard and protest was duly registered against the unprofessional and unethical practices carried out by the Officials of Company by deliberately inflating the repair costs in order to declare it as total loss and to take wrongful possession and ownership of the vehicle"""". On 12.02.2021, the complainant received a Letter dated 04.02.2021 from the Insurer wherein it was mentioned that the aforesaid vehicle was beyond repairs and the damages exceed 75% of the IDV and the Insurer would treat the claim as total loss. Upon receipt of this letter, the complainant got the repair costs of the vehicle from and independent Workshop as well and the estimated cost was assessed for Rs.1,70,000/- approx, which is less than even 60% of the IDV instead of more than 75% of the IDV. The complainant took his vehicle and original documents from the authorized workshop and got it towed to Gayatri motors for repair of the same by paying an additional amount of Rs.1,200/- towards towing charges. b) Insurers’ argument:- The insurer stated in their SCN that 1. The vehicle no. UP 82 V 6106 of Mr. A K MISHRA is covered under the comprehensive policy for the period 31/12/2019 to 30/12/2020 for IDV of Rs.2,97,110/-. 2. The insured vehicle reportedly met with an accident on 17/12/2020. The same was taken to the workshop of MADHUSUDAN MOTORS PVT. LTD. Agra for repairs and the claim was lodged through them with the Company. 3. """"" An independent IRDA licensed surveyor, Mr. Mohit Agarwal was deputed to survey the damaged vehicle and assess the loss""""". 4. The estimate dated 21/12/2020 provided by M/s. Madhusudan Motors Pvt. Ltd. is for Rs. 5,53,351/-. Though Mr. A. K. Mishra has claimed that he received the estimate for Rs. 5,53,351/-. 5. """ The surveyor has assessed the repair liability of the insurer at Rs.2,95,000/-."""" 6. As the repair liability of the damaged vehicle is 99% of the IDV IDV of Rs.2,97,110/-, the claim has been treated as total constructive loss as per the policy condition No. 3 and the claims team has requested the insured to give consent for treating the vehicle as total loss and give consent for settlement on net of salvage basis. 7. """"A salvage buyer has also been identified through surveyor who has agreed to buy the salvage from the insured"""". The rest of amount from the IDV less the policy excess shall be paid by the IFFCO TOKIO. Hence, the insured shall not be put to any loss. 8. However, the insured has still not given the consent for the same and insisted that the liability is much lower and his vehicle should be repaired OR insisted that the insurer should buy the vehicle and has approached the office of Hon’ble Ombudsman Therefore, it is requested the insured may provide the consent to settle the claim on total loss basis as per the policy terms and conditions. 19) Reason for Registration of Complaint: - Repudiation of Motor Claim. 20) The following documents were placed for perusal. a) Complaint letter b) Policy copy c) SCN 21. Observations and Conclusion :- Both the parties appeared for personal hearing through video call and reiterated their submissions. The complainant Sh. A.K. Mishra reiterated that his vehicle met with an accident on 17.12.2020. On 12.02.2021, the complainant received a Letter dated 04.02.2021 from the Insurer wherein it was mentioned that the aforesaid vehicle was beyond repairs and the damages exceed 75% of the IDV and the Insurer would treat the claim as total loss. Upon receipt of this letter, the complainant got the repair costs of the vehicle from and independent Workshop i.e. Gayatri Motors as well and the estimated cost was assessed for Rs.1,70,000/- approx, which is less than even 60% of the IDV instead of more than 75% of the IDV. The Insurance Company reiterated their submissions, and argued that in the absence of the complainant’s consent, they have not settled the claim. I have examined the documents exhibited and oral submissions made by both the parties. """ It is intriguing that the insurance company is is insisting on the total loss whereas the Complainant himself has provided another independent workshop i.e. Gayatri Motor’s estimated cost which was assessed for Rs.1,70,000/- approx. This is less than even 60% of the IDV"""". """""In my opinion, when the complainant is himself requesting for settlement for Rs.1,70,000/- instead of treating his claim on total loss basis, then the insurer’s insistence for settlement on net of salvage basis is baseless""""". Hence, the Insurance Company is directed to pay the claim to the complainant on receipt of the final bill, but not exceeding Rs.1,70,000/-. AWARD Taking into account the facts and circumstances of the case and the submissions made by both the parties during the course of hearing, the Insurance Company is directed to pay the claim to the complainant on receipt of the final bill but not exceeding Rs.1,70,000/-. The complaint is treated as disposed off accordingly. 22. The attention of the Complainant and the Insurer is hereby invited to the following provisions of Insurance Ombudsman Rules, 2017: a) According to Rule 17(6) of Insurance Ombudsman Rules,2017, the insurer shall comply with the award within thirty days of the receipt of the award and intimate compliance of the same to the Ombudsman. Place: Noida. C.S. PRASAD Dated: 12.08.2021

[@lukerangdan8557]

Govt. Ko importance dena sahiye, ismain, kya karta rahata hai Govt.

[@ronyroyvlogs]

Total loss me idv agar 550000 hai to kitna milega

[@acneditz4081]

Hellow sir can I talk to you I have same situation right now pzzz

[@ronyroyvlogs]

@@acneditz4081 yes u can tell me

[@mohitsinghtel]

How we can connect u - My car got in to constructive total loss , it was 1.5 year car , I Purchased in 12.5 lakh next year IDV Value was 8.5 lakh , Car most of the body was in Shape , But insurence company put this on total loss and A scarper is calling me and giving me 3 lakh rupees so he can take car rest Money will be paid by Insurence company .. i know he will Repair it only in 1 lakh as I have checked from outer market and sell this again in market with 5 lakh rs profit .

[@motorinsuranceclaimspracti4142]

[e-mail]

[@mayur1097]

Total loss car insurance settled amount to IDV + Loss Vehicle scrap Price? Or CLAIM IDV AMOUNT INCLUDED LOSS CAR SCRAP PRICE?

[@motorinsuranceclaimspracti4142]

Some part of """General Regulations 08"" of Indian Motor Tariff:- A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and / or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of the IDV. For the purpose of TL/CTL claim settlement, this IDV will not change during the currency of the policy period in question. It is clearly understood that the liability of the insurer shall in no case exceed the IDV as specified in the policy schedule less the value of the wreck, in „as is where is‟ condition.

[@motorinsuranceclaimspracti4142]

STANDARD FORM FOR PRIVATE CAR PACKAGE POLICY :- Policy condition 03- 3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the loss or damage and the liability of the Company shall not exceed: (a) for total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck. (b) for partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle - actual and reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as per limits specified.

[@motorinsuranceclaimspracti4142]

As per IRDAI Circular-Circular Ref. No:IRDAI/NL/CIR/MOTOD/118/07/2019 Date:26-07-2019 Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles To, ALL GENERAL INSURERS (OTHER THAN STAND-ALONE HEALTH INSURERS AND SPECIALISED INSURERS) Re: - Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles It has come to the notice of Authority that in case of Total Loss (TL) of the vehicle, salvage of the vehicle is being sold to scrap dealers without cancelling Certificate of Registration (RC) of the vehicle. 2. It has been informed by the Law Enforcement Authorities that documents pertaining to such vehicles are being misused like giving new identity to the stolen vehicles by forging engine number and chassis number of destroyed vehicles under TL claims. 3. As per Section 55 of Motor Vehicle Act 1988, (1) If a motor vehicle has been destroyed or has been rendered permanently incapable of use, the owner shall, within fourteen days or as soon as may be, report the fact to the registering authority within whose jurisdiction he has the residence or place of business where the vehicle is normally kept, as the case may be, and shall forward to the authority the certificate of registration of the vehicle. (2) The registering authority shall, if it is the original registering authority, cancel the registration and the certificate of registration, or, if it is not, shall forward the report and the certificate of registration to the original registering authority and that authority shall cancel the registration. 4. In view of the above, all insurers are advised to ensure cancellation of Certificate of Registration (RC) of the vehicle in case of total loss claim settlement. Yours faithfully, (Yegnapriya Bharath) Chief General Manager (NL)

[@motorinsuranceclaimspracti4142]

Report of the Working Group on Revisiting the product structure of Motor Own Damage 20th March, 2019, IRDAI. 3. Total Loss / Constructive Total Loss Claims: A vehicle will be considered to be a CTL, where the aggregate assessed cost of retrieval and / or repair of the vehicle before application of depreciation, salvage and deductibles exceeds 75% of the Sum Insured. In all cases of Total Loss / CTL, the Registration Certificate of the vehicle shall be cancelled and claim shall be settled only after the Insured surrenders such cancelled RC. The policy shall be cancelled without return of premium.In Theft of entire vehicle, Total Loss and Constructive Total Loss claims the Sum Insured shall be payable.

[@motorinsuranceclaimspracti4142]

Section 55 of the motor vehicle act 1988. Vehicle Registration Certificate should be surrender in Regional Transport Office and documents of its (R C Surrender supporting) should be submit in Insurance office before the claim settlement. We should give the recommendation for salvage scrape value in our survey report as per Motor vehicle act 1988. As per motor vehicle act 1988, R.C. should be surrender for total loss vehicle. Central Government Act Section 55 in The Motor Vehicles Act, 1988 55. Cancellation of registration.- (1) If a motor vehicle has been destroyed or has been rendered permanently incapable of use, the owner shall, within fourteen days or as soon as may be, report the fact to the registering authority within whose jurisdiction he has the residence or place of business where the vehicle is normally kept, as the case may be, and shall forward to the authority the certificate of registration of the vehicle. (2) The registering authority shall, if it is the original registering authority, cancel the registration and the certificate of registration, or, if it is not, shall forward the report and the certificate of registration to the original registering authority and that authority shall cancel the registration. (3) Any registering authority may order the examination of a motor vehicle within its jurisdiction by such authority as the State Government may by order appoint and, if upon such examination and after giving the owner an opportunity to make any representation he may wish to make (by sending to the owner a notice by registered post acknowledgment due at his address entered in the certificate of registration), it is satisfied that the vehicle is in such a condition that it is incapable of being used or its use in a public place would constitute a danger to the public and that it is beyond reasonable repair, may cancel the registration. (4) If a registering authority is satisfied that a motor vehicle has been permanently removed out of India, the registering authority shall cancel the registration. (5) If a registering authority is satisfied that the registration of a motor vehicle has been obtained on the basis of documents which were, or by representation of facts which was, false in any material particular, or the engine number or the chassis number embossed thereon are different from such number entered in the certificate of registration, the registering authority shall after giving the owner an opportunity to make such representation as he may wish to make (by sending to the owner a notice by registered post acknowledgment due at his address entered in the certificate of registration), and for reasons to be recorded in writing, cancel the registration. (6) A registering authority cancelling the registration of a motor vehicle under section 54 or under this section shall communicate such fact in writing to the owner of the vehicle, and the owner of the vehicle shall forthwith surrender to that authority the certificate of registration of the vehicle. (7) A registering authority making an order of cancellation under section 54 or under this section shall, if it is the original registering authority, cancel the certificate of registration and the entry relating to the vehicle in its records, and, if it is not the original registering authority, forward the certificate of registration to that authority, and that authority shall cancel the certificate of registration and the entry relating to the motor vehicle in its records. (8) The expression “original registering authority” in this section and in sections 41, 49, 50, 52, 53 and 54 means the registering authority in whose records the registration of the vehicle is recorded. (9) In this section “certificate of registration” includes a certificate of registration renewed under the provisions of this Act.

[@sunilmalviya4209]

Sir agur car total loss me ho or mujhe nahi chiye us duration me kya hoga

[@motorinsuranceclaimspracti4142]

यदि आप total loss basis claim settlement नहीं चाहते है तो इसके लिए अपनी पसंद के अनुसार क्लेम सैटलमैट के लिए बीमा कंपनी से बात कर सकते है।

[@motorinsuranceclaimspracti4142]

indiankanoon.org/doc/104543848/

[@motorinsuranceclaimspracti4142]

As per IRDAI Circular- CircularRef. No: IRDAI/NL/CIR/MOTOD/118/07/2019 Date:26-07-2019 Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles To, ALL GENERAL INSURERS (OTHER THAN STAND-ALONE HEALTH INSURERS AND SPECIALISED INSURERS) Re: - Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles It has come to the notice of Authority that in case of Total Loss (TL) of the vehicle, salvage of the vehicle is being sold to scrap dealers without cancelling Certificate of Registration (RC) of the vehicle. 2. It has been informed by the Law Enforcement Authorities that documents pertaining to such vehicles are being misused like giving new identity to the stolen vehicles by forging engine number and chassis number of destroyed vehicles under TL claims. 3. As per Section 55 of Motor Vehicle Act 1988, (1) If a motor vehicle has been destroyed or has been rendered permanently incapable of use, the owner shall, within fourteen days or as soon as may be, report the fact to the registering authority within whose jurisdiction he has the residence or place of business where the vehicle is normally kept, as the case may be, and shall forward to the authority the certificate of registration of the vehicle. (2) The registering authority shall, if it is the original registering authority, cancel the registration and the certificate of registration, or, if it is not, shall forward the report and the certificate of registration to the original registering authority and that authority shall cancel the registration. 4. In view of the above, all insurers are advised to ensure cancellation of Certificate of Registration (RC) of the vehicle in case of total loss claim settlement. Yours faithfully, (Yegnapriya Bharath) Chief General Manager (NL)

[@Allinone-sp2cy]

Maximum time period for total loss claim?

[@motorinsuranceclaimspracti4142]

Protection of policy holders interest gazette notification 2017,- 15. CLAIM PROCEDURE IN RESPECT OF A GENERAL INSURANCE POLICY 1. An insured or the claimant shall give notice to the insurer of any loss arising under contract of insurance at the earliest or within such extended time as may be allowed by the insurer. On receipt of such a communication, a general insurer shall respond immediately and give clear information to the insured on the procedures that he should follow. In cases where a surveyor has to be appointed for assessing a loss/claim, it shall do so immediately, in any case within 72 hours of the receipt of intimation from the insured. Insurer shall communicate the details of the appointment of surveyor, """"including the role, duties and responsibilities of the surveyor to the insured by letter, email or any other electronic form immediately after the appointment of the surveyor"""". 2. The insurer / surveyor shall within """"7 days of the claim intimation, inform the insured / claimant of the essential documents and other requirements that the claimant should submit in support of the claim""""". Where documents are available in public domain or with a public authority, the surveyor/insurer shall obtain them. 3. The surveyor shall start the survey immediately unless there is a contingency that delays immediate survey, in any case within 48 hours of his appointment. Interim report of the physical details of the loss shall be recorded and uploaded/forwarded to the insurer within the shortest time but not later than 15 days from the date of first visit of the surveyor. """"A copy of the interim report shall be furnished by the insurer to the insured/claimant, if he so desires"""". 4. Where the insured is unable to furnish all the particulars required by the surveyor or where the surveyor does not receive the full cooperation of the insured, """" the insurer or the surveyor, as the case may be, shall inform in writing to the insured under information to the insurer about the consequent delay that may result in the assessment of the claim""" . """" It shall be the duty equally of the insurer and the surveyor to follow up with the insured for pending information/documents guiding the insured with regard to submissions to be made"""". """" The insurer and/or surveyor shall not call for any information/document that is not relevant for the claim""""". 5. (i) The surveyor shall, subject to sub-regulation 4 above, submit his final report to the insurer within 30 days of his appointment. """"A copy of the surveyor’s report shall be furnished by the insurer "to the insured/claimant", if he so desires"""". Notwithstanding anything mentioned herein, in case of claims made in respect of commercial and large risks the surveyor shall submit the final report to the insurer within 90 days of his appointment. However, such claims shall be settled by the insurer within 30 days of receipt of final survey report and/or the last relevant and necessary document as the case may be. (ii) Where special circumstances exist in respect of a claim either due to its special / complicated nature, or due to difficulties associated with replacement/reinstatement, the surveyor shall, seek an extension from insurer for submission of his report. """"In such an event, the insurer shall give the status to the insured/claimant fortnightly wherever warranted""". The insurer may make provisional/ on account payment based on the admitted claim liability. 6. If an insurer, on the receipt of a survey report, finds that it is incomplete in any respect, he shall require the surveyor, under intimation to the insured/claimant; to furnish an additional report on certain specific issues as may be required by the insurer. Such a request may be made by the insurer within 15 days of the receipt of the final survey report. Provided that the facility of calling for an additional report by the insurer shall not be resorted to more than once in the case of a claim. 7. The surveyor, on receipt of this communication, shall furnish an additional report within three weeks from the date of receipt of communication from the insurer. 8. On receipt of the final survey report or the additional survey report, as the case may be, and on receipt of all required information/documents that are relevant and necessary for the claim, an insurer shall, with in a period of 30 days offer a settlement of the claim to the insured/claimant. If the insurer, for any reasons to be recorded in writing and communicated to the insured/claimant, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of the final survey report and/or additional information/documents or the additional survey report, as the case may be. 9. """" In case, the amount admitted is less than the amount claimed, then the insurer shall inform the insured/claimant in writing about the basis of settlement in particular, where the claim is rejected, the insurer shall give the reasons for the same in writing drawing reference to the specific terms and conditions of the policy document""". 10. """In the event the claim is not settled within 30 days as stipulated above, the insurer shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by insurer till the date of actual payment""". 19. GENERAL PRINCIPLES: 6. Any breach of the obligations cast on an insurer or distribution channels or surveyors in terms of these regulations may enable the Authority to initiate action against each or all of them, jointly or severally, under the Act and/or the Insurance Regulatory and Development Authority Act, 1999.

[@mohittalwara6068]

Sir meri car ka accident ho gaya tha, jab mene claim ke lie process kia to uska repair amount IDV se zyada aa raha hai aur insurance company wale bol rhe h ki wo total loss me nahi karenge, samajh nai aa raha sir kya karein, jo repair estimate hai wo 4-5 lacs aa raha hai Aur uski IDV 3 lacs hai Fir bho wo bol rhe h ki apki car repair hogi total loss me nahi jaegi, aur wo jo inspection kar rhe hain uska estimate bhi kum show kar rhe h, jo actual repair cost hai wo zyada hai, please give me some advice

[@motorinsuranceclaimspracti4142]

[e-mail]

[@SuperVsu]

Sir already I have asked regarding. My claim that is theft vehicle recovered with color changed blue to red and silencer changed that new to older now surveyor telling that claim for silencer not possible is it correct sir.what I have to do sir

[@motorinsuranceclaimspracti4142]

You should send a grievance in writing on this matter to insurance company.

[@kkulkarni109]

Sir need your help car claim regarding please give your contact number

[@motorinsuranceclaimspracti4142]

@@kkulkarni109 You can share your problem with me via email. My email I'd is [e-mail]

[@bhart610]

Sir total loss m car ki showroom cost hi milti hai ya R.C. insurance k sath on road ki cost milti hai.

[@motorinsuranceclaimspracti4142]

गाड़ी की बीमा पालिसी कवरेज़ के अनुसार बीमा क्लेम राशि तैय होती है। सामान्य बीमा पालिसी में यह गाड़ी की बीमा पालिसी मे तैय IDV के अनुसार कवरेज होती है। लेकिन यदि Return to invoice add on coverage बीमा पालिसी में ली हुई है तो Return to invoice add on coverage के अनुसार क्लेम मिलता है। अलग अलग बीमा कंपनी के इस प्रकार के add on coverage- Return to invoice add on की भाषा अलग अलग है। अतः यदि Return to invoice add on coverage है तो हमें बीमा कंपनी से इस add on coverage की भाषा कापी की माँग करनी चाहिए, और फिर हमे उसे पढ़ कर कवरेज को स्पष्ट रूप से जान सकते है। यदि बीमा कंपनी न दे तो आप IRDAI की website से इस specific बीमा कंपनी की add on coverage को download करके पढ़ सकते है।

[@bhart610]

@@motorinsuranceclaimspracti4142बहुत बहुत धन्यवाद श्रीमान जी मेरा रिप्लाई देने के लिए मेरी गाड़ी टोटल लॉस मे चली गयी है और मेरी बीमा पालिसी मे Vechile रिप्लेसमेंट वैल्यू प्लस cover add on liya है तो क्या मुझे total loss ki स्थिति मे नयी गाड़ी रिप्लेसमेंट के तौर पर नहीं मिलेगी कंपनी मुझ से concent letter लेना चाहती है उस में मेरी गाड़ी की फुल इनवॉइस वैल्यू और RTO का अमाउंट R. C रजिस्ट्रेशन अमाउंट aur wrek वैल्यू देने की बात कही है क्या ये सही है उसमे इन्शुरन्स अमाउंट का ज़िक्र नहीं है और मेरा कार बीमा रॉयल सुंदरम कंपनी से हुआ है और add ऑन मे depriciation waiver cluase भी है इसका क्या अर्थ हुआ श्रीमान जी?

[@sujeetmahto7161]

Sr meri gaadi ki Velu 232000 hajar h company wale 170000 ka kharcha Bata rahe hain to kya vah total Las mein jayegi

[@motorinsuranceclaimspracti4142]

75% of IDV ( वाहन बीमा वेल्यू के 75% ) से ज्यादा रिपेयर खर्च होने पर CTL/TL claim case होता है।

[@harharmahadev5902]

Rti kya hai return to invoice

[@motorinsuranceclaimspracti4142]

RTI, साधारण मोटर OD बीमा पालिसी मे एक add on risk coverage होती है। हमारे देश में भिन्न भिन्न बीमा कंपनीयो ने RT add on कवरेज के लिए अपनी अपनी नियत भाषा तैय की हुई है। आप बीमा कंपनी से यह RTI add on coverage की भाषा को माँग कर, उसे पढ़ कर extra add on कवरेज को जान सकते है। या फिर आप irdai website पर General insurance products मे जाकर विभिन्न बीमा कंपनी के विभिन्न add on coverage की भाषा को download करके पढ़ कर जान समझ सकते है।

[@motorinsuranceclaimspracti4142]

जरा सोचिए:- Motor insurance CTL/TL claim case and salvage vehicle. आजकल के समय में निजी क्षेत्र की अधिकांश साधारण बीमा कंपनी CTL/TL claim case मे salvage vehicle ( wreck) को RC cancel करने के बजाय, एक गाड़ी के तौर पर, Form 29,30 के साथ, बेचकर , total loss claim को सैटलमैट कर रही है, जो कि बीमा पालिसी अनुबंध, मोटर व्हीकल एक्ट, IRDAI की vehicle की TL claim के लिए advisory guidelines, के नजरिए से गलत है। मैंने महसूस किया है बहुत से लोग, मोटर बीमा के अंतर्गत constructive total loss व total loss, term को समझने में गलती कर रहें है। कुछ लोग Net of salvage basis को समझने मे भी गलती कर रहे है।इसलिए इसी विषय पर मै आज कुछ जानकारी साझा कर रहा हूँ। मोटर बीमा निजी कार पैकेज पालिसी /Two wheeler package policy, है तो condition no. 03 और यदि Commercial vehicle package policy है तो condition no. 04, इस बीमा पालिसी शर्त मे मोटर OD क्लेम सैटलमेंट करने के लिए तरीके बताये गये होते है। इसमे क्लेम देने के लिए repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the loss or damage. ये उपरोक्त तरीके बताये है। इसी बीमा पालिसी शर्त मे क्लेम सैटलमेंट करने के लिये, liability तैय करने के लिए 02 तरीके के क्लेम विकल्प बताये है। a, CTL/TL claim case. b, partial loss claim case.- actual reasonable repair costs...subject to dep.. . यहाँ हम सिर्फ 'a' विकल्प के लिए ही बात करेगें। जिसे CTL/TL claim case कहते है। यदि गाड़ी चोरी हो जाय या पुरी नष्ट हो जाय जिसमे रिपेयर करने के लिए कुछ न बचा हो, तो यह मोटर OD बीमा क्लेम के नजरिए से total loss vehicle कहलायेगा। यदि गाड़ी रिपेयर तो हो सकती है लेकिन बीमा क्लेम में """गाड़ी का कुल रिपेयर खर्च"" बीमा पालिसी अनुबंध में तैय IDV के 75% से अधिक है, तो यह क्लेम केस को constructive total loss claim case निर्धारित किया जायेगा। बीमा पालिसी अनुबंध मे व बीमा पालिसी अनुबंध (निजी कार) शर्त 03 में क्लेम सैटलमैट करने के लिए liability तैय करने के लिए, बताये गये विकल्प 'a' में CTL/TL को एक साथ लिखा गया है। CTL/TL claim case को सैटलमैट करने के लिए liability तैय करने के लिए एक ही तरीका बताया गया है। = IDV- value of the wreck.। कहने का अर्थ यह है कि constructive total loss व total loss के लिए liability तैय करने के लिए एक सा तरीका लिखा गया है। यहाँ उपरोक्त में wreck value का अर्थ, vehicle salvage value से ही है। प्रायः इस तरीके के CTL/TL क्लेम सैटलमैट भुगतान करने मे बीमा कंपनी wreck value ( vehicle salvage value) को भी क्षतिपूर्ति करने में इस्तेमाल करती है। इसलिए इस प्रकार के क्लेम सैटलमैट असेसमेंट को प्रायः Total loss on net of salvage basis कहने का चलन है। बीमा पालिसी अनुबंध में total loss claim settlement करने के लिए cash loss basis settlement नामक कोई विकल्प नहीं लिखा होता है, जिसमे प्रायः कुल repair basis liability मे से taxes काटकर व कुछ प्रतिशत पार्टस लेबर रेट काटकर व कुछ अन्य मदों को काटकर, टोटल लोस क्लेम सैटलमैट करने के लिए liability तैय की जाती है। इस प्रकार का विकल्प बीमा पालिसी अनुबंध मे नही दिया हुआ होता है। हालांकि यदि बीमा धारक ग्राहक व बीमा कंपनी दोनों की आपस मे इस पर आपसी सहमति है तो तभी इस एक तरीके से compromised विकल्प को अपनाया जा सकता है। CTL/TL claim case के लिए संकल्पना यह है कि जो गाड़ी या तो पुरी या बहुत ज्यादा 75% से अधिक क्षतिग्रस्त हो गयी हो, उस गाड़ी का बीमा क्लेम, Constructive total loss / total loss claim, मानकर एक ही तरीके से सैटलमैट किया जाता है। बीमा पालिसी अनुबंध मे CTL/TL claim case मे साल्वेज vehicle के लिए wreck शब्द का इस्तेमाल किया गया है। यदि CTL/TL बीमा क्लेम सैटलमैट मे इस प्रकार की wreck ( salvage vehicle) को एक गाड़ी के रूप मे बेचा जाता है, form 29,30 के साथ, तो वास्तव मे नियमों के अनुसार यह बहुत ज्यादा गलत है। सोचने वाली बात यह भी है कि, बीमा पालिसी अनुबंध में ऐसी गाड़ी को जो 75% of IDV से अधिक क्षतिग्रस्त है, उसे total loss claim की तरह सैटलमैट करने के लिए क्यों लिखा गया है। और बीमा कंपनी इसके बावजूद भी ऐसी wreck ( salvage vehicle) को एक गाड़ी के रूप मे बिकवा देती है। इस तरीके की "गाड़ी साल्वेज" का चोरी की गाड़ी को ठिकाने लगाने में काफी misuse भी होता है। अक्सर इस प्रकार की गाड़ी को non standard तरीके से उल्टा सीधा रिपेयर करवाकर, दुबारा से बाजार में ग्राहक को बिना जानकारी दिये बेच दिया जाता है। जिसमे अक्सर एक अंजान व्यक्ति इस प्रकार की गाड़ी को खरीद कर ठगा जाता है। वास्तव मे CTL/TL claim case में, CTL/TL vehicle का Registration Certificate कैंसिल करके ही क्लेम सैटलमैट होना चाहिए। हमारे देश मे अधिकांश सरकारी क्षेत्र की साधारण बीमा कंपनी तो Registration Certificate को कैंसिल करके ही ये CTL/TL claim case सैटलमैट करती है। लेकिन अधिकांश निजी क्षेत्र की साधारण बीमा कंपनी इस विषय मे गलत तरीके को बढ़ावा दे रही है। वर्ष 2018 में Irdai ने Indian Motor Tariff 2002 मे सुधार के लिए एक working group बनाया था। इस working group ने 2019 मे सुधार के लिए बहुत से सुझाव दिये थे। जिसमे एक सुझाव यह भी था कि बीमा पालिसी अनुबंध मे, CTL/TL claim case को RC को कैंसिल करके सैटलमैट करना होगा, ऐसा बीमा पालिसी अनुबंध स्पष्ट शब्दों में लिखकर आयेगा। मुझे उम्मीद है आने वाले भविष्य मे जल्दी ही ऐसा बीमा पालिसी अनुबंध

[@lrastogi992]

sir total loss claim me kya deductions hote he jaise depreciation..etc..please help

[@motorinsuranceclaimspracti4142]

GR.8. Insured‟s Declared Value (IDV) The Insured‟s Declared Value (IDV) of the vehicle will be deemed to be the „SUM INSURED‟ for the purpose of this tariff and it will be fixed at the commencement of each policy period for each insured vehicle. The IDV of the vehicle is to be fixed on the basis of manufacturer‟s listed selling price of the brand and model as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation (as per schedule specified below). The IDV of the side car(s) and / or accessories, if any, fitted to the vehicle but not included in the manufacturer‟s listed selling price of the vehicle is also likewise to be fixed. The schedule of age-wise depreciation as shown below is applicable for the purpose of Total Loss/ Constructive Total Loss (TL/ CTL) claims only. """" A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and / or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of the IDV""". The depreciation for replacement of parts in partial loss claims will be as per a separate schedule specified under GR.9. SCHEDULE OF DEPRECIATION FOR ARRIVING AT IDV AGE OF THE VEHICLE % OF DEPRECIATION FOR FIXING IDV Not exceeding 6 months 5% Exceeding 6 months but not exceeding 1 year 15% Exceeding 1 year but not exceeding 2 years 20% Exceeding 2 years but not exceeding 3 years 30% Exceeding 3 years but not exceeding 4 years 40% Exceeding 4 years but not exceeding 5 years 50% NOTE: IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles ( i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the insurer and the insured. For the purpose of TL/CTL claim settlement, this IDV will not change during the currency of the policy period in question. It is clearly understood that the liability of the insurer shall in no case exceed the IDV as specified in the policy schedule less the value of the wreck, in „as is where is‟ condition.

[@motorinsuranceclaimspracti4142]

According to Private car package policy:- 3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the loss or damage and the liability of the Company shall not exceed: (a) """"" for total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck"""" . (b) for partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle - actual and reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as per limits specified.

[@Taaani19077]

Meri new car ( only 3 months ) road side park thi . Koi vehicle hit krta hua speed se nikl gya aur left side ka door heavy scratches and dent hi gya ,just door broken condition me ho gya hai.. kya me insurance claims kr skti hu. Kya mera door insurance ke through change ho jayega .. please please help me .. i am in tension.

[@motorinsuranceclaimspracti4142]

यदि आपकी कार के लिए आपके पास बीमा कवरेज है, तो बिलकुल आप बीमा क्लेम ले सकती है। इसके लिए आप बीमा पालिसी पर दिये फोन नंबर पर संपर्क कर सकती है या कार Bodyshop वर्कशाप पर संपर्क कर सकती है। वो आपको बीमा क्लेम के विषय मे बता देंगे।

[@Taaani19077]

@@motorinsuranceclaimspracti4142 Yes abhi to first wala insurance hai zero dep . . Kya FIR ki copy bhi dena hoga claim ke liye, kyuki mujhe pta hi nhi kon hit kr gya.. kiske name FIR krti.

[@motorinsuranceclaimspracti4142]

@@Taaani19077 आप बीमा कंपनी या वर्कशाप से संपर्क कर लीजिये, वे आपको सब बता देंगे। बीमा पालिसी अनुबंध के अनुसार पुलिस रिपोर्ट की आवश्यकता criminal case involvement या theft matter में होती है। यहाँ आपके क्लेम केस में ऐसा कोई मामला नहीं लग रहा है। यहाँ पुलिस रिपोर्ट की कोई आवश्यकता नहीं होनी चाहिए।

[@mtanish6267]

Sir total loss mein bill to return ka kya meaning hei

[@motorinsuranceclaimspracti4142]

मै आपका सवाल सही से समझ नहीं पाया है। मुझे लगता है कि आप Return to invoice add on coverage के बारे में पूछना चाहते हो। Return to invoice add on coverage मे, हर बीमा कंपनी की अपनी अपनी तैय policy है। अधिकांश इनमे constructive total loss/ total loss basis पर क्लेम सैटलमैट करने में गाड़ी की लगभग लगभग total invoice value के आधार पर क्लेम का भुगतान होता है।

[@RajaKumar-bg7kb]

Insurance kon sa company ka good hota h car ke liye

[@mr.akki_gavhane]

Sabhi faltu ho chuke hai meri verna total loss hoagyi bohot sad hu mein

[@adishsaggar1401]

Will it help

[@motorinsuranceclaimspracti4142]

What is your problem, if you tell me something, maybe I can be of some help.

[@amitsdave1]

Sir, I need a few suggestions How to contact you?

[@motorinsuranceclaimspracti4142]

@@amitsdave1 MY EMAIL ID- [e-mail]

[@tapasgorain3998]

मेरे गाड़ी का invoice value- 322000है। थर्ड ईयर का Idv value-230000 है। गाड़ी मरम्मत कराने के लिए एस्टीमेट बना है -340000 जो कि गाड़ी के आईटीवी से भी ज्यादा है।मेरे इंश्योरेंस पॉलिसी में ऐडऑन है @#zero dept @#Engine potect+ @#Retun to invoice क्या मेरा गाड़ी , इंसोरेंस कंपनी बनाएगी या फिर टोटल लॉस करेगी अगर टोटल लॉस होता है तो मुझे कौन सा वैल्यू मिलेगा।

[@SuperVsu]

Sir I have asked my surveyor report but surveyor said I canot give ..he saying its irdi rule

[@motorinsuranceclaimspracti4142]

According to Surveyor Regulations 2015-20. CHAPTER IV , DUTIES AND RESPONSIBILITIES OF A SURVEYOR AND LOSS ASSESSOR 13. It shall be the duty of every Licensed Surveyor and Loss Assessor to investigate, manage, quantify, validate and deal with losses (whether insured or not) arising from any contingency, and report thereon to the insurer or insured, as the case may be., All Licensed Surveyors and Loss Assessors shall carry out the said work with competence, objectivity and professional integrity and strictly adhere to the code of conduct as stipulated in these Regulations. (i) Reg 20-(i) Commenting on the admissibility of the claim and assessing the liability of the insurer as per the policy terms and conditions. (m) satisfying queries of the insured/insurer and of persons connected thereto in respect of the claim/loss; (2) A surveyor or loss assessor whether appointed by insurer or insured, shall submit his report to the insurer as expeditiously as possible, but not later than 30 days of his appointment, """"""with a copy of the report to the insured"""" giving his comments on the insured’s consent or otherwise on the assessment of loss. Where, in special circumstances of the case, either due to its special and complicated nature, the surveyor shall under intimation to the insured, seek an extension, in any case not exceeding six months from the insurer for submission of his report.

[@motorinsuranceclaimspracti4142]

As per Protection of policy holders interest gazette notification 2017- 15. CLAIM PROCEDURE IN RESPECT OF A GENERAL INSURANCE POLICY 3. The surveyor shall start the survey immediately unless there is a contingency that delays immediate survey, in any case within 48 hours of his appointment. Interim report of the physical details of the loss shall be recorded and uploaded/forwarded to the insurer within the shortest time but not later than 15 days from the date of first visit of the surveyor. """""A copy of the interim report shall be furnished by the insurer to the insured/claimant, if he so desires"""". 5. (i) The surveyor shall, subject to sub-regulation 4 above, submit his final report to the insurer within 30 days of his appointment. """" A copy of the surveyor’s report shall be furnished by the insurer to the insured/claimant, if he so desires"""""". Notwithstanding anything mentioned herein, in case of claims made in respect of commercial and large risks the surveyor shall submit the final report to the insurer within 90 days of his appointment. However, such claims shall be settled by the insurer within 30 days of receipt of final survey report and/or the last relevant and necessary document as the case may be. (ii) Where special circumstances exist in respect of a claim either due to its special / complicated nature, or due to difficulties associated with replacement/reinstatement, the surveyor shall, seek an extension from insurer for submission of his report. In such an event, the insurer shall give the status to the insured/claimant fortnightly wherever warranted. The insurer may make provisional/ on account payment based on the admitted claim liability.

[@adishsaggar1401]

Sir my car went for total loss now I want to calim it but issue is car rc and insurance name is different

[@motorinsuranceclaimspracti4142]

Means, insurable interest is missing.

[@nithinr2748]

Our vehicle has met with a major accident and as per surveyor assesment its 73 percentage OF IDV so now they are saying our claim will be processed under total loss but I'm requesting insurance company to repair our vehicle and even i said them that out of 73 percentage im ready to invest 10 percentage of money from my hand. But they are forcing me to go for total loss. Our vehicle market price for second hand now is above 8 lakhs, our car idv was too low with this insurance. If i go for total loss it will be a huge loss for me and i dont want my car to be scrapped i need my car to be repaired. Please give me solution!!

[@motorinsuranceclaimspracti4142]

You should send a request letter to insurance company that you want to get this vehicle repaired, therefore you are requesting for repair loss basis claim settlement. You don't want to total loss claim settlement . You should ask the interim survey report and survey report copy in writing from insurance company.

[@motorinsuranceclaimspracti4142]

Protection of policy holders interest gazette notification 2017,- 15. CLAIM PROCEDURE IN RESPECT OF A GENERAL INSURANCE POLICY 1. An insured or the claimant shall give notice to the insurer of any loss arising under contract of insurance at the earliest or within such extended time as may be allowed by the insurer. On receipt of such a communication, a general insurer shall respond immediately and give clear information to the insured on the procedures that he should follow. In cases where a surveyor has to be appointed for assessing a loss/claim, it shall do so immediately, in any case within 72 hours of the receipt of intimation from the insured. Insurer shall communicate the details of the appointment of surveyor, """"including the role, duties and responsibilities of the surveyor to the insured by letter, email or any other electronic form immediately after the appointment of the surveyor"""". 2. The insurer / surveyor shall within """"7 days of the claim intimation, inform the insured / claimant of the essential documents and other requirements that the claimant should submit in support of the claim""""". Where documents are available in public domain or with a public authority, the surveyor/insurer shall obtain them. 3. The surveyor shall start the survey immediately unless there is a contingency that delays immediate survey, in any case within 48 hours of his appointment. Interim report of the physical details of the loss shall be recorded and uploaded/forwarded to the insurer within the shortest time but not later than 15 days from the date of first visit of the surveyor. """"A copy of the interim report shall be furnished by the insurer to the insured/claimant, if he so desires"""". 4. Where the insured is unable to furnish all the particulars required by the surveyor or where the surveyor does not receive the full cooperation of the insured, """" the insurer or the surveyor, as the case may be, shall inform in writing to the insured under information to the insurer about the consequent delay that may result in the assessment of the claim""" . """" It shall be the duty equally of the insurer and the surveyor to follow up with the insured for pending information/documents guiding the insured with regard to submissions to be made"""". """" The insurer and/or surveyor shall not call for any information/document that is not relevant for the claim""""". 5. (i) The surveyor shall, subject to sub-regulation 4 above, submit his final report to the insurer within 30 days of his appointment. """"A copy of the surveyor’s report shall be furnished by the insurer "to the insured/claimant", if he so desires"""". Notwithstanding anything mentioned herein, in case of claims made in respect of commercial and large risks the surveyor shall submit the final report to the insurer within 90 days of his appointment. However, such claims shall be settled by the insurer within 30 days of receipt of final survey report and/or the last relevant and necessary document as the case may be. (ii) Where special circumstances exist in respect of a claim either due to its special / complicated nature, or due to difficulties associated with replacement/reinstatement, the surveyor shall, seek an extension from insurer for submission of his report. """"In such an event, the insurer shall give the status to the insured/claimant fortnightly wherever warranted""". The insurer may make provisional/ on account payment based on the admitted claim liability. 6. If an insurer, on the receipt of a survey report, finds that it is incomplete in any respect, he shall require the surveyor, under intimation to the insured/claimant; to furnish an additional report on certain specific issues as may be required by the insurer. Such a request may be made by the insurer within 15 days of the receipt of the final survey report. Provided that the facility of calling for an additional report by the insurer shall not be resorted to more than once in the case of a claim. 7. The surveyor, on receipt of this communication, shall furnish an additional report within three weeks from the date of receipt of communication from the insurer. 8. On receipt of the final survey report or the additional survey report, as the case may be, and on receipt of all required information/documents that are relevant and necessary for the claim, an insurer shall, with in a period of 30 days offer a settlement of the claim to the insured/claimant. If the insurer, for any reasons to be recorded in writing and communicated to the insured/claimant, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of the final survey report and/or additional information/documents or the additional survey report, as the case may be. 9. """" In case, the amount admitted is less than the amount claimed, then the insurer shall inform the insured/claimant in writing about the basis of settlement in particular, where the claim is rejected, the insurer shall give the reasons for the same in writing drawing reference to the specific terms and conditions of the policy document""". 10. """In the event the claim is not settled within 30 days as stipulated above, the insurer shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by insurer till the date of actual payment""". 19. GENERAL PRINCIPLES: 6. Any breach of the obligations cast on an insurer or distribution channels or surveyors in terms of these regulations may enable the Authority to initiate action against each or all of them, jointly or severally, under the Act and/or the Insurance Regulatory and Development Authority Act, 1999.

[@motorinsuranceclaimspracti4142]

As per IRDAI Circular- CircularRef. No:IRDAI/NL/CIR/MOTOD/118/07/2019 Date:26-07-2019 Misuse of Total Loss Accident Vehicle Documents over Stolen VehiclesTo, ALL GENERAL INSURERS (OTHER THAN STAND-ALONE HEALTH INSURERS AND SPECIALISED INSURERS) Re: - Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles It has come to the notice of Authority that in case of Total Loss (TL) of the vehicle, salvage of the vehicle is being sold to scrap dealers without cancelling Certificate of Registration (RC) of the vehicle. 2. It has been informed by the Law Enforcement Authorities that documents pertaining to such vehicles are being misused like giving new identity to the stolen vehicles by forging engine number and chassis number of destroyed vehicles under TL claims. 3. As per Section 55 of Motor Vehicle Act 1988, (1) If a motor vehicle has been destroyed or has been rendered permanently incapable of use, the owner shall, within fourteen days or as soon as may be, report the fact to the registering authority within whose jurisdiction he has the residence or place of business where the vehicle is normally kept, as the case may be, and shall forward to the authority the certificate of registration of the vehicle. (2) The registering authority shall, if it is the original registering authority, cancel the registration and the certificate of registration, or, if it is not, shall forward the report and the certificate of registration to the original registering authority and that authority shall cancel the registration. 4. In view of the above, all insurers are advised to ensure cancellation of Certificate of Registration (RC) of the vehicle in case of total loss claim settlement. Yours faithfully, (Yegnapriya Bharath) Chief General Manager (NL)

[@nithinr2748]

@@motorinsuranceclaimspracti4142 I sent them in writing that we need repair mode of settlement sir but they are denying and one person from the company insulted me for i requested them a lot to repair our vehicle and i also said to give only 60 percentage of assessment cost and rest i will invest and repair our vehicle after requesting so many times he said you are a negative thinker we cant make understand people like you and all he insulted me sir. They are saying we follow irdai rules in that rules if assessment crosses 75 percentage your vehicle must be total losses they are saying

[@nithinr2748]

And further i also said them that if you can't repair our vehicle atleast settle our vehicle with RC settle ment by by lessing salvage value. Even in that case they are playing sir our vehicle for present condition they are saying its valuation is 430000!! Our vehicle idv is 545000. So in this case they will deduct the salvage with RC value of 430000 and settle only 115000!! Our vehicle assessment repair cost was 403000 73 percentage of idv i argued that it has not crossed 75 percentage you have to consider for repair mode. When i asked them like this again they altered the assessment and made it 75.5 and now they are arguing that as per rules now it has crossed 75.5 percentage so now you have to total loss !! They are cheating me sir. Please guide me. I want to repair my vehicle.

[@RohitKashyap-jm5bw]

Hlw sir I need your help meri car ka accident 02-11-21 ko hua tha meri gaadi ka full bumper to bumper insurance (shri ram general insurance company) se hai or aaj 25 din ho gye h compny ki tarf se mujhe koi work aapoval nhi mila hai jabki maine unko sabhi documents de diye hai 1.RC 2.DL 3 INSURANCE COPY 4.T.P AFFIDAVIT 5.accident spot Videos and photos 6. Statement of driver 7. Spot ka map bhi bheja bna ke 8. Surveyor ne Spot video bna ke bhi bheji 9.Police DDR bhi Sir fir meri aproval nhi mili hai merko help me sir meri Gadi pe lagbhag 2.5 se 3 lakh ka krcha hai or maine policy online purchase ki hui hai

[@moryacybercafe6503]

Kya hua aage??

[@ankurchoudhary6478]

हैलो सर, क्या हमें अपने व्यक्तिगत प्रयोग के लिए Total Loss Car खरीदनी चाहिए l plz tell me...

[@motorinsuranceclaimspracti4142]

मै total loss गाड़ी खरीदने बेचने के लिए मना की सलाह देता हूँ। यह गलत प्रक्रिया है।

[@vishalbharadwaj4990]

Sir my car is going in total loss but i don't want to I want it to repair

[@motorinsuranceclaimspracti4142]

[e-mail]

[@mr.youtuber379]

Sir Meri huva truck ki IDV he-693500 and insurance company ne usko Total loss/constructive total loss/Cash loss karne ki under taking send kiya he aur usme likha he ki mujhe meri gadiko unko Handover kar na he. 🙏Sir please ea bataiye ki kya Gadi ko handover karna law me he.

[@motorinsuranceclaimspracti4142]

यहाँ हमारे देश मे बहुत सी साधारण बीमा कंपनी इस तरीके के क्लेम केस मे बहुत धूर्तता के साथ कार्य करती है। आप बीमा कंपनी व एप्रूवड सर्वेयर से सबसे पहले सर्वे रिपोर्ट कापी की माँग किजिये। आप बीमा कंपनी से यह क्लेम को सैटलमैट करने के लिए लिखित मे बीमा कंपनी की तरफ से स्पष्ट भाषा मे आफर लैटर की माँग किजिये। यह दोनों माँग लिखित मे ईमेल माध्यम से किजिये। बीमा कंपनी की यह जिम्मेदारी है।

[@motorinsuranceclaimspracti4142]

Cashloss basis नामक सैटलमैट बीमा पालिसी अनुबंध मे नही होता है। बीमा पालिसी अनुबंध मे दो तरीके के loss बताये गये है। CTL/TL loss. Partial loss. यदि CTL/TL loss है तो Rc cancellation के साथ claim settlement करना होता है। इसमे IDV के अनुसार क्लेम भुगतान करना होता है। यदि बीमा पालिसी अनुबंध के साथ add on coverage है जैसे RTI तो इनका difference का भी भुगतान करना होता है।, जैसा कि add on coverage की भाषा में लिखा हो। गाड़ी को एक कबाड़ के रूप मे बेचकर, RC cancellation के साथ, प्राप्त मूल्य को बीमा कंपनी क्लेम भुगतान मे इस्तेमाल कर सकती है।

[@mr.youtuber379]

@@motorinsuranceclaimspracti4142 Sir RC cancell aur gadi ko kabadiwal se kon bechega me aur insurance company

[@motorinsuranceclaimspracti4142]

@@mr.youtuber379 Rc को कैंसिल के लिए आवेदन तो गाड़ी मालिक ही कर सकता है। बाकी बीमा क्लेम भुगतान की जिम्मेदारी बीमा कंपनी की है। यदि बीमा कंपनी गाड़ी के कबाड़ की value को बीमा क्लेम भुगतान मे इस्तेमाल करना चाहती है। तो बीमा कंपनी को RC cancellation के साथ इस कबाड़ का खरीदार ढूंढना होगा। यह बीमा कंपनी की जिम्मेदारी होगी।

[@vijaypatel752]

Total lossa amount ke bad car onar kon rahata He..

[@motorinsuranceclaimspracti4142]

मोटर व्हीकल एक्ट के अनुसार constructive total loss/ total loss गाड़ी के Registration को cancel कराने की जिम्मेदारी गाड़ी मालिक पक्ष की होती है। बीमा कंपनी क्लेम क्षतिपूर्ति करने मे यह कबाड़ गाड़ी की साल्वेज वेल्यू को भी इस्तेमाल कर सकती है। लेकिन तब यह कबाड़ को एक कबाड़ के तौर पर बेचना होता है न कि एक गाड़ी के तौर पर with Registration certificate.

[@ajayvats8558]

Hello sir my car was in total loss case and the insurance company Pur my vehicle on NOS basis but they appointed the scrapper and my vehicle got scrapped but when i went to authority then they told me that this scrapper is not authorized so we cannot cancel the RC now insurance company is not disbursing my claim saying that first cancel the RC then we will provode the amount and after i filled a case against them they are denying that we didnt appoint the scrapper.So plz suggest what we can do in this case

[@motorinsuranceclaimspracti4142]

Have insurer told you to sell this scrap vehicle to the specific Scrap buyer in writing???

[@motorinsuranceclaimspracti4142]

बीमा कंपनी की जिम्मेदारी, बीमा धारक ग्राहक के बीमा क्लेम के लिए, बीमा पालिसी अनुबंध के अनुसार क्षतिपुर्ति करने की होती है। बीमा क्लेम सैटलमैट के लिए बीमा कंपनी की जिम्मेदारी बीमा धारक ग्राहक को लिखित मे claim settlement offer letter देने की होती है। जिसमे क्लेम सैटलमैट के तरीके को स्पष्ट तरीके से लिखकर दिया जाता है। और यह काम बीमा कंपनी का होता है। एप्रूवड सर्वेयर या अन्य कोई को क्लेम सैटलमैट का निर्णय लेने का अधिकार नहीं होता है।

[@motorinsuranceclaimspracti4142]

मुझे लगता है कि आपका बीमा क्लेम केस दिल्ली का होगा, और मुझे लगता है आपने एप्रूवड सर्वेयर के जुबानी कहने पर कबाड़ गाड़ी को कबाड़ी को बेच दिया होगा। अभी आपने कहाँ पर केस file किया है, और क्या केस file किया है, यह बताना, शायद मै आपकी कुछ मदद कर सकूं।

[@motorinsuranceclaimspracti4142]

@@krishna2146 As per IRDAI Circular- Circular Ref. No:IRDAI/NL/CIR/MOTOD/118/07/2019 Date:26-07-2019 Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles To, ALL GENERAL INSURERS (OTHER THAN STAND-ALONE HEALTH INSURERS AND SPECIALISED INSURERS) Re: - Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles It has come to the notice of Authority that in case of Total Loss (TL) of the vehicle, salvage of the vehicle is being sold to scrap dealers without cancelling Certificate of Registration (RC) of the vehicle. 2. It has been informed by the Law Enforcement Authorities that documents pertaining to such vehicles are being misused like giving new identity to the stolen vehicles by forging engine number and chassis number of destroyed vehicles under TL claims. 3. As per Section 55 of Motor Vehicle Act 1988, (1) If a motor vehicle has been destroyed or has been rendered permanently incapable of use, the owner shall, within fourteen days or as soon as may be, report the fact to the registering authority within whose jurisdiction he has the residence or place of business where the vehicle is normally kept, as the case may be, and shall forward to the authority the certificate of registration of the vehicle. (2) The registering authority shall, if it is the original registering authority, cancel the registration and the certificate of registration, or, if it is not, shall forward the report and the certificate of registration to the original registering authority and that authority shall cancel the registration. 4. In view of the above, all insurers are advised to ensure cancellation of Certificate of Registration (RC) of the vehicle in case of total loss claim settlement. Yours faithfully, (Yegnapriya Bharath) Chief General Manager (NL) Insurance Regulatory and Development Authority of India. All Right Reserved.

[@motorinsuranceclaimspracti4142]

@@krishna2146 According to Indian Motor Tariff 2002. GR.8. Insured‟s Declared Value (IDV) The Insured‟s Declared Value (IDV) of the vehicle will be deemed to be the „SUM INSURED‟ for the purpose of this tariff and it will be fixed at the commencement of each policy period for each insured vehicle. The IDV of the vehicle is to be fixed on the basis of manufacturer‟s listed selling price of the brand and model as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation (as per schedule specified below). The IDV of the side car(s) and / or accessories, if any, fitted to the vehicle but not included in the manufacturer‟s listed selling price of the vehicle is also likewise to be fixed. A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and / or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of the IDV. NOTE: IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles ( i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the insurer and the insured. For the purpose of TL/CTL claim settlement, this IDV will not change during the currency of the policy period in question. It is clearly understood that the liability of the insurer shall in no case exceed the IDV as specified in the policy schedule less the value of the wreck, in „as is where is‟ condition.

[@mayur1097]

सर अगर गाडी टोटल लोस्स होती है, और IDV का क्लेम होता है और जो लोस्स वेहीकले है ओ किसकी होती है INSURANCE कंपनी की या वेहीकल OWNER की है, अगर मै अपनी LOSS गाडी को आपणे पास राखना चाहु तो इन्शुरन्स कंपनी लोस्स गाडी ले जा सकती है क्या? अगर नाही तो क्लेम मे IDV पुरा पैसे मिलगे क्या कूच कम करके देणगे

[@motorinsuranceclaimspracti4142]

नियमानुसार तो constructive total loss/ total loss में गाड़ी के Registration certificate को cancel करना होता है, फिर जो गाड़ी साल्वेज होती है, बीमा कंपनी उस साल्वेज वेल्यू ( wreck value) को बीमा धारक ग्राहक के बीमा क्लेम देने में समायोजित कर लेती है। बीमा पालिसी अनुबंध में या Indian motor tariff 2002 के अंतर्गत General Regulation 08 में ऐसा ही लिखा है। चूंकि वहां पर ctl/tl basis claim settlement में wreck value ( गाड़ी साल्वेज) को adjust करके क्लेम देने के लिए लिखा हुआ है। जब गाड़ी ctl/tl basis पर सैटल हो रही है तो मोटर व्हीकल एक्ट के section 55 के अनुसार गाड़ी के Registration certificate को cancel करना होता है। लेकिन हमारे देश में बहुत सी निजी कंपनी बहुत ही धूर्तता के साथ इस प्रकार के क्लेम केस मे गाड़ी साल्वेज वेल्यू ( wreck value) प्राप्त करने के नाम पर बीमा धारक ग्राहक से साल्वेज को एक गाड़ी के रूप में with Registration certificate, with blank rto form 29-30 पर बीमा धारक ग्राहक के हस्ताक्षर के साथ, एक affidavit के नाम पर किसी अंजान कबाड़ी को बिकवा देती है। जबकि यह एक गैरकानूनी प्रक्रिया है। इसलिए बीमा कंपनी इस प्रोसेस को क्लेम सैटलमैट आफर लैटर मे लिखकर बीमा धारक ग्राहक को नहीं देती है। बल्कि बीमा कंपनी यह सब बीमा धारक ग्राहक से लिखवा कर एक affidavit के रूप मे लेती है। उसमें लिखा होता है कि बीमा धारक ग्राहक ऐसा चाहता है। यदि आप बीमा कंपनी से कहेंगे कि बीमा कंपनी लिखकर दे कि यह गाड़ी साल्वेज को एक गाड़ी के रूप मे , blank RTO form 29-30 पर बीमा धारक ग्राहक को हस्ताक्षर करके, एक affidavit के आधार पर जिस कबाड़ी को बेचनी है, इस पुरी जानकारी को बीमा कंपनी लिखकर दे, तो बीमा कंपनी आपको ऐसा लिखकर नहीं देगी, क्योंकि यह ग़ैर कानूनी है।

[@SAKIRKHAN-td7of]

Sir meri truck chori ho gya tha 1 saal pahle or ab compony ne ye bolkar no clam kar diya ki aapki gadi chalti hui payi gyi ab mai kaha ccomplent karu inki

[@motorinsuranceclaimspracti4142]

बीमा कंपनी ने आपकी गाड़ी को कहाँ पर चलते हुए पाया है। यदि बीमा कंपनी इस विषय में कोई सबूत कोई जानकारी देती है तो आप वह जानकारी पुलिस महकमे को दे देना। इसके बाद आप अपनी गाड़ी का status, online माध्यम से ncrb report के द्वारा चैक कर लेना, यदि यह not find का status आता है, तो आप यह बीमा कंपनी को देना, यदि आप बीमा कंपनी को Police investigation report, court accepted untrace report दे चुके हो तो इसका अर्थ है कि गाड़ी चोरी हुई है। इसके बाद अब बीमा कंपनी को क्लेम देना चाहिए। आप बीमा कंपनी के chief Grievance officer को क्लेम सैटलमेंट न करने के विषय में, देरी के लिए शिकायत करो। साथ मे कुछ higher Authorities को भी शिकायत करो।

[@dharmendrarajak7877]

Sir mer gadi ki idv 530000 hai aur steemet 695000 diya hai service wale ne.. mera insurance first party hai Ye idv se 100 percent se v uper hai aur company wala mujhe repair ke liye force karrha hai please nirdeshit kare sir

[@motorinsuranceclaimspracti4142]

आप मुझे अपनी contact details मेरी email I'd [e-mail] पर भेज दे, फिर मै आपसे संपर्क कर लूँगा।

[@dharmendrarajak7877]

@@motorinsuranceclaimspracti4142 thank you sir

[@9329501813]

Sir Meri gaadi ka Accident ho gaya tha aur ush gaadi ka engine seeze ho Chuka hai, toh Kya main usme Naya engine lagwa sakta Hoon. Kyon ki showroom wale bol rahe hain aap Reckon engine lagwaiye usme aapka Paisa Kam lagega kyon ki insurance company mujhe Reckon engine ki price ka 75% payment kardegi, par agar main apni Gaadi mein brand new engine lagwana chaahta Hoon toh ish condition mein insurance company mujhe new engine ka bhi 75% degi ya ye bolegi ki jab sassta wala reckon engine available tha toh aapne new engine kyon lagwaya hum aapko sir reckon engine ke hissab se Jo payment bannti hai bus utnni hi karenge baaki aap apne pocket se lagaiye

[@motorinsuranceclaimspracti4142]

आपकी गाड़ी कौन सी है।

[@motorinsuranceclaimspracti4142]

बीमा कंपनी को आप पहले अपना जो भी विकल्प है बता दो, लिखित मे उनको estimate के रूप में दो। तथा बाद में उनसे लिखित मे विकल्प के विषय मे उनकी मर्जी जबाब को लो एप्रूवड सर्वेयर साहब की इस विषय मे असेसमेंट एप्रूवल को लिखित मे लो। आपको जो भी आफर दे रही है,

[@9329501813]

@@motorinsuranceclaimspracti4142 Truck hai sir

[@motorinsuranceclaimspracti4142]

@@9329501813 आप कौन से शहर से है, आपका ये क्लेम कहाँ पर, किस बीमा कंपनी के साथ चल रहा है।

[@9329501813]

@@motorinsuranceclaimspracti4142 Dhanyawad Sir 🙏 Aapka Bahut Bahut Dhanyawad 🙏

[@sujeetmahto7161]

Sr meri gaadi total loss ho gai h ek mahina ho chuka h abhi tk koi payment nahi mila h payment milne me kitna time lagta h

[@moryacybercafe6503]

Kab mila?

[@motorinsuranceclaimspracti4142]

According to-- Report of the Working Group on Revisiting the product structure of Motor Own Damage 20th March, 2019 Insurance Regulatory and Development Authority of India. Shri. Sujay Banarji Member (Distribution) Insurance Regulatory and Development Authority of India Hyderabad. Respected Sir, Subject: Report of the Working Group on revisiting the product structure of Motor Own Damage. I have the pleasure of submitting the Report of the above Working Group constituted vide IRDAI order IRDAI/NL/ORD/MISC/190/11/2018 dated 16th November, 2018. The Recommendations contained in the report are an outcome of broad review of existing product structure, legal and regulatory framework and guidelines, meetings with various stakeholders and focused internal discussions by the Working Group. The Report broadly covered the following aspects: 1. The Legal and Regulatory framework of Motor product under India Motor Tariff 2. The impact of Technology and Emerging needs of Customers 3. The motor products in International Markets 4. Analysis of Comments received from Stakeholders 5. Recommendations for change in the product structure, policy wordings, policy forms. On behalf of the Members of the Working Group and on my behalf, I thank you for entrusting us with this task of considerable importance and supporting us in timely submission of report. With kind regards, Place: Hyderabad P. Venkatramaiah Date: 20th March, 2019 Chairman of the Working Group. Members, Mr. Balwant Singh Ms. Gauri Venkatesan Mr. Amitabh Jain Mr. Jatinder Singh Mr. V. Devanathan Mr. H. Ananthakrishnan Ms. Anita J Mr. C. Srinivasa Kumar. 3. Total Loss / Constructive Total Loss Claims: """" A vehicle will be considered to be a CTL, where the aggregate assessed cost of retrieval and / or repair of the vehicle before application of depreciation, salvage and deductibles exceeds 75% of the Sum Insured"""". """ In all cases of Total Loss / CTL, the Registration Certificate of the vehicle shall be cancelled and claim shall be settled only after the Insured surrenders such cancelled RC""""". The policy shall be cancelled without return of premium. In Theft of entire vehicle, Total Loss and Constructive Total Loss claims the Sum Insured shall be payable. AKS.G.N..

[@sagarchoudhary1894]

Sir help chaiye apki

[@motorinsuranceclaimspracti4142]

@@sagarchoudhary1894 आप मेरी ईमेल I'd [e-mail] के माध्यम से मुझसे संपर्क कर सकते हैं।

[@choudharyashokkumar3893]

Sir meri gadi ki insurence 100000 ka h aur gadi m nuksan 700000 lakh ka h gadi ko total loss kr rhe h kya kru

[@motorinsuranceclaimspracti4142]

आपने लिखा है कि आपकी गाड़ी का बीमा IDV- 01 लाख रूपये है व नुकसान 07 लाख रूपये का है। बीमा कंपनी आपकी गाड़ी के क्लेम को total loss मानकर सेटल कर रही है। यदि ऐसा है तो फिर सही है। लेकिन मुझे लगता है कि शायद आप जो संख्या लिखी है उसमें zero लिखने मे कुछ गलती हुई है, शायद आप कह रहे है कि नुकसान 70% of IDV है। बीमा पालिसी अनुबंध में 02 तरीके के loss बताये है। 1, CTL/TL loss. 2. Partial loss. यदि गाड़ी मे रिपेयर खर्च IDV के 75% से अधिक है तो CTL/TL loss होता है। और यदि 75% of IDV तक है तो partial loss claim होता है। इसलिए यदि आपकी गाड़ी मे 75% of IDV से कम नूकसान है तो यह partial loss claim होगा। आप बीमा कंपनी व इस क्लेम मे नियुक्त किये गये एप्रूवड सर्वेयर से दोनो से, इस क्लेम की सर्वे रिपोर्ट कापी की माँग करो, यह इन दोनो की जिम्मेदारी है कि बीमा धारक ग्राहक को सर्वे रिपोर्ट कापी दे। उसमें चैक करना की एप्रूवड सर्वेयर साहब ने बीमा क्लेम के लिए कितना नुकसान आकलन किया है व क्लेम सैटलमेंट के लिए क्या अनुशंसा की है। यह भी देखना की कहीं टोटल लोस करने के लिए जबरदस्ती बढ़ा चढ़ा कर तो नुकसान आकलन आकलन तो नहीं किया है। यह भी देखना की क्लेम सैटलमेंट के लिए एप्रूवड सर्वेयर साहब ने सर्वे रिपोर्ट मे कोई अनुशंसा की भी है या नहीं। यदि आप कुछ भी गलत पाते है तो इसकी शिकायत करना। आप बीमा कंपनी से लिखित मे क्लेम सैटलमेंट आफर मांगना। सामान्यतः अधिकांश निजी क्षेत्र की साधारण बीमा कंपनीयो मे, बीमा कंपनी व एप्रूवड सर्वेयर मिलकर, जबरदस्ती दबाव देकर गलत तरीके से CTL/TL loss क्लेम के तौर पर सैटलमेंट करते है। इस प्रकार के क्लेम केस मे CTL/TL loss गाड़ी के, कबाड़ को एक गाड़ी के रूप मे with rc बेचने के लिए कहने लगते है। CTL/TL loss गाड़ी के कबाड़ को एक गाड़ी के रूप में, with RC, RTO form 29-30, के साथ एक अंजान कबाड़ी ग्राहक को बेचना, बीमा नियामक की मोटर बीमा tota lloss claim सैटलमेंट के लिए जारी advisory के सापेक्ष, मोटर व्हीकल एक्ट के सापेक्ष, बीमा पालिसी अनुबंध के सापेक्ष, एकदम गलत प्रक्रिया है। और यदि ऐसा होता है और भविष्य मे इस विषय मे कोई लीगल मामला आता है जो इस गलती के लिए गाड़ी मालिक जो इस प्रकार की CTL/TL loss गाड़ी को with RC बेच रहा है वह जिम्मेदार होगा। यहाँ इस प्रकार के क्लेम केस मे ये बीमा कंपनी बहुत चालाकी व धूर्तता के साथ काम करती है। ये इस तरीके से गाड़ी बेचने के लिए स्वयं claim settlement offer मे नहीं लिखकर देती है बल्कि एक consent letter के रूप मे बीमा धारक ग्राहक से stamp paper पर लिखकर लेती है। यदि आपके साथ कुछ गलत हो रहा है तो आप को बीमा कंपनी, irdai व संबधित उच्च Authority को इस विषय मे गंभीर शिकायत करनी चाहिए। धन्यवाद।

[@sujeetmahto7161]

Sar yah total loss mein jo gadi jaati hai uski paise insurance company kitne Dinon mein bhejti hai

[@motorinsuranceclaimspracti4142]

नियमानुसार बीमा कंपनी को किसी भी क्लेम सैटलमैट करने के लिए बीमा धारक ग्राहक को एक claim settlement offer letter देना होता है, जिसमे क्लेम अमाउंट व किस प्रकार देना है उसकी जानकारी दी होती है। आप बीमा कंपनी को इस विषय मे जानकारी, ईमेल पर लिखकर पूछ सकते है।

[@javedsipai9285]

Sir IMT23 pe video banai pls

[@motorinsuranceclaimspracti4142]

मेरा उद्देश्य, जो मोटर बीमा क्लेम मे आम बीमा धारक ग्राहको को मोटर Own Damage क्लेम के विषय मे सामान्यतः problems आती है, या कहूँ जो इस संदर्भ मे कुरीतियां फैली हुई है, उनसे निपटने के लिए जागरूकता फैलाने का है। यदि आप को IMT 23 के विषय मे मुझसे जानकारी लेनी है तो मेरी email id पर अपनी email I'd भेज देना। मै उस पर आपको पूरी जानकारी दे दूँगा।

[@motorinsuranceclaimspracti4142]

ashok.1224#@ediffmail.com

[@arvindkasnia3205]

Hello sir Policy mein jitne bima rashi Bari hoti hai Jaise 380000 Total loss mein utani hi rakam milati hai kya Sar meri gadi ka accident ho gaya tha gadi total loss mein Chali gai Bima company bol rahi hai aapane gadi ki kimat jyada bharvaya hua hai aapko ham 380000 nahin ₹282000 denge hamare hisab se gadi ki kimat 282000 Ab mujhe kya Karna chahie court mein jana chahie Please sujhav dijiye Thanks

[@motorinsuranceclaimspracti4142]

बीमा पालिसी मे तैय sum insured ( IDV ) के आधार पर ही क्लेम सैटलमैट करना होता है। बीमा कंपनी या अन्य कोई गाड़ी की IDV को negotiate नहीं कर सकता है।

[@motorinsuranceclaimspracti4142]

यदि इस विषय में बीमा कंपनी आपके साथ गलत कर रही है, तो सबसे पहले इसकी शिकायत बीमा कंपनी व irdai को करनी चाहिए। आपको इस क्लेम केस के लिए एप्रूवड सर्वेयर की सर्वे रिपोर्ट कापी को बीमा कंपनी व एप्रूवड सर्वेयर से माँगना चाहिए, ताकि आपको पता चल सके की सर्वे रिपोर्ट में क्या नुकसान आकलन है व क्या अनुशंसा है। बीमा कंपनी व एप्रूवड सर्वेयर दोनो की जिम्मेदारी है कि वे आपको सर्वे रिपोर्ट कापी दे। यदि बीमा कंपनी के जबाब से आप संतुष्ट नहीं होते है तो एक तैय process से आप इस विषय में बीमा लोकपाल आफिस में शिकायत कर सकते है। यहाँ शिकायत प्रक्रिया का कुल समय 90 दिन होता है। यह कोर्ट के सापेक्ष कम समय है। बीमा लोकपाल आफिस का निर्णय बीमा कंपनी के लिए कंपलसरी रूप से मानने वाला निर्णय होता है।

[@shubhamutekar6318]

Is there Any legal document to show that insurer has no right over Registration Certificate of my vehicle which is declared Total Loss or Constructive Total Loss that can be put before Consumer Court to prove our stand.

[@motorinsuranceclaimspracti4142]

As per IRDAI Circular- CircularRef. No:IRDAI/NL/CIR/MOTOD/118/07/2019 Date:26-07-2019 Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles To, ALL GENERAL INSURERS (OTHER THAN STAND-ALONE HEALTH INSURERS AND SPECIALISED INSURERS) Re: - Misuse of Total Loss Accident Vehicle Documents over Stolen Vehicles It has come to the notice of Authority that in case of Total Loss (TL) of the vehicle, salvage of the vehicle is being sold to scrap dealers without cancelling Certificate of Registration (RC) of the vehicle. 2. It has been informed by the Law Enforcement Authorities that documents pertaining to such vehicles are being misused like giving new identity to the stolen vehicles by forging engine number and chassis number of destroyed vehicles under TL claims. 3. As per Section 55 of Motor Vehicle Act 1988, (1) If a motor vehicle has been destroyed or has been rendered permanently incapable of use, the owner shall, within fourteen days or as soon as may be, report the fact to the registering authority within whose jurisdiction he has the residence or place of business where the vehicle is normally kept, as the case may be, and shall forward to the authority the certificate of registration of the vehicle. (2) The registering authority shall, if it is the original registering authority, cancel the registration and the certificate of registration, or, if it is not, shall forward the report and the certificate of registration to the original registering authority and that authority shall cancel the registration. 4. In view of the above, all insurers are advised to ensure cancellation of Certificate of Registration (RC) of the vehicle in case of total loss claim settlement. Yours faithfully, (Yegnapriya Bharath) Chief General Manager (NL)

[@motorinsuranceclaimspracti4142]

STANDARD FORM FOR PRIVATE CAR PACKAGE POLICY :- Policy condition 03- 3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the loss or damage and the liability of the Company shall not exceed: (a) for total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule """"less the value of the wreck""". (b) for partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle - actual and reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as per limits specified.

[@motorinsuranceclaimspracti4142]

Please think about the meaning of word wreck.

[@motorinsuranceclaimspracti4142]

Rule:- We are sharing proposed policy condition wording in future for CTL cases by IRDAI. It is just for clarification of meaning word - Aggregate cost. Report of the Working Group on Revisiting the product structure of Motor Own Damage 20th March, 2019, IRDAI. 3. Total Loss / Constructive Total Loss Claims: A vehicle will be considered to be a CTL, where the aggregate assessed cost of retrieval and / or repair of the vehicle before application of depreciation, salvage and deductibles exceeds 75% of the Sum Insured. In all cases of Total Loss / CTL, the Registration Certificate of the vehicle shall be cancelled and claim shall be settled only after the Insured surrenders such cancelled RC. The policy shall be cancelled without return of premium.In Theft of entire vehicle, Total Loss and Constructive Total Loss claims the Sum Insured shall be payable.

[@motorinsuranceclaimspracti4142]

Section 55 of the motor vehicle act 1988. Vehicle Registration Certificate should be surrender in Regional Transport Office and documents of its (R C Surrender supporting) should be submit in Insurance office before the claim settlement. We should give the recommendation for salvage scrape value in our survey report as per Motor vehicle act 1988. As per motor vehicle act 1988, R.C. should be surrender for total loss vehicle. Central Government Act Section 55 in The Motor Vehicles Act, 1988 55. Cancellation of registration.- (1) If a motor vehicle has been destroyed or has been rendered permanently incapable of use, the owner shall, within fourteen days or as soon as may be, report the fact to the registering authority within whose jurisdiction he has the residence or place of business where the vehicle is normally kept, as the case may be, and shall forward to the authority the certificate of registration of the vehicle. (2) The registering authority shall, if it is the original registering authority, cancel the registration and the certificate of registration, or, if it is not, shall forward the report and the certificate of registration to the original registering authority and that authority shall cancel the registration. (3) Any registering authority may order the examination of a motor vehicle within its jurisdiction by such authority as the State Government may by order appoint and, if upon such examination and after giving the owner an opportunity to make any representation he may wish to make (by sending to the owner a notice by registered post acknowledgment due at his address entered in the certificate of registration), it is satisfied that the vehicle is in such a condition that it is incapable of being used or its use in a public place would constitute a danger to the public and that it is beyond reasonable repair, may cancel the registration. (4) If a registering authority is satisfied that a motor vehicle has been permanently removed out of India, the registering authority shall cancel the registration. (5) If a registering authority is satisfied that the registration of a motor vehicle has been obtained on the basis of documents which were, or by representation of facts which was, false in any material particular, or the engine number or the chassis number embossed thereon are different from such number entered in the certificate of registration, the registering authority shall after giving the owner an opportunity to make such representation as he may wish to make (by sending to the owner a notice by registered post acknowledgment due at his address entered in the certificate of registration), and for reasons to be recorded in writing, cancel the registration. (6) A registering authority cancelling the registration of a motor vehicle under section 54 or under this section shall communicate such fact in writing to the owner of the vehicle, and the owner of the vehicle shall forthwith surrender to that authority the certificate of registration of the vehicle. (7) A registering authority making an order of cancellation under section 54 or under this section shall, if it is the original registering authority, cancel the certificate of registration and the entry relating to the vehicle in its records, and, if it is not the original registering authority, forward the certificate of registration to that authority, and that authority shall cancel the certificate of registration and the entry relating to the motor vehicle in its records. (8) The expression “original registering authority” in this section and in sections 41, 49, 50, 52, 53 and 54 means the registering authority in whose records the registration of the vehicle is recorded. (9) In this section “certificate of registration” includes a certificate of registration renewed under the provisions of this Act.

[@tushargupta461]

Sir mera ek piup tha o total loss me chali gai or bima company use kisi aadmi se bech di hai to sir mere ko name transfar karana padhega ki nai

[@motorinsuranceclaimspracti4142]

गाड़ी का मालिक वह होता है, जिसका नाम Registration Certificate पर होता है, और वह ही उस गाड़ी के लिए जिम्मेदार होता है।

[@tushargupta461]

to sir mai sbi company jish aadmi ko gadhi becha hai..uske name me tarsfar karana hoga ka or tt from me 29 30 me daskat karna hoga Ka. ..sir apna contekt number de de te to acha tha

[@motorinsuranceclaimspracti4142]

@@tushargupta461 Sbi कंपनी ने गाड़ी को नहीं बेचा होगा, गाड़ी के मालिक आप हो आपने गाड़ी को बेचा होगा। आपके पास कोई सबूत है जहां पर बीमा कंपनी ने आपको फलां फलां आदमी को गाड़ी बेचने के लिए कहा हो। मुझे नहीं लगता बीमा कंपनी ने आपको कहीं पर भी कहा होगा। CTL/TL का मतलब नियमानुसार होता कि Registration Certificate को कैंसिल करके क्लेम सैटलमेंट किया जाय।

[@tushargupta461]

Sir aap ka mobail number de dijiye na acha se bat ho jayga mahoday kripiya mera madat kijiye Mai aap ka aabhar vaykt karta hu sir jii

[@tushargupta461]

sir kripiya kar ke madat kariye mera

[@vinodgiri2501]

या बद्दल माहिती मला रीप्लाय द्या

[@archanab8002]

Wrong insurance policy issued by insurance company what to do sir plz help

[@motorinsuranceclaimspracti4142]

Firstly you should make a complaint to insurance company for misselling.

[@archanab8002]

My vehicle belongs to commercal vehicle and cot by accident.. Repair cost is 1800000 and policy IDv is 2000000.and company issued me.MISCELLANEOUS AND SPECIAL TYPE OF VEHICLE PACKAGE POLICY.. please sir possible help please

[@motorinsuranceclaimspracti4142]

@@archanab8002 Which is the vehicle? And what problem are you facing?

[@motorinsuranceclaimspracti4142]

You can share the details on my email I'd [e-mail]

[@archanab8002]

K sir thanku very much.. I ll share

[@avinashmitra00]

क्या सर मैं मारुति सुजुकी कार कंपनी और आईसीआईसीआई लोमवार्ड इंश्योरेंस कंपनी पर मुझे गुमराह और सहमति पत्र देने पर दवाब बनाने के लिए कोई मुकदमा कर सकता हूं।

[@motorinsuranceclaimspracti4142]

देश मे हर व्यक्ति के लिए कानून होता है।

[@motorinsuranceclaimspracti4142]

यदि आपके साथ बीमा कंपनी ने कुछ गलत किया है, तो आप इसके लिए irdai मे, finance ministry में, pmo को शिकायत कर सकते है।

[@kamleshchandrawanshi1693]

sir please help kare meri gadi total loss me chali gai aur ab bima company bol rahi accidentall car aur insured car alag hai isliye aapko claim nahi milega wo bol rahe ki gadi me difference hai kya karu sir bahut pareshan hun kripya reply kar mardarsan kare

[@motorinsuranceclaimspracti4142]

जो गाड़ी का बीमा हुआ है, उसका Registration number, chassis number, engine number गाड़ी की पहचान होती है। क्या ये अलग अलग है। बीमा किस आधार पर कह रही है कि दुर्घटनाग्रस्त गाड़ी व बीमित गाड़ी दोनों अलग-अलग है।

[@motorinsuranceclaimspracti4142]

[e-mail]

[@kamleshchandrawanshi1693]

@@motorinsuranceclaimspracti4142 Wo sab same hai

[@kamleshchandrawanshi1693]

@@motorinsuranceclaimspracti4142 Woh exterior me difference bata rahe saari cheeje bol di unko to boll rahe aap court chale jao

[@motorinsuranceclaimspracti4142]

@@kamleshchandrawanshi1693 आप इस क्लेम केस मे, बीमा कंपनी द्वारा इस क्लेम केस के लिए नियुक्त एप्रूवड सर्वेयर साहब का नाम व लाइसेंस नंबर पता कीजिये। बीमा कंपनी व एप्रूवड सर्वेयर से दोनो से इस क्लेम केस की सर्वे रिपोर्ट कापी की माँग किजिये। बीमा कंपनी व एप्रूवड सर्वेयर दोनों की जिम्मेदारी है कि वे आपको सर्वे रिपोर्ट कापी देगें। फिर सर्वे रिपोर्ट कापी का अध्ययन करके पता चलेगा की सर्वेयर साहब ने इस क्लेम के विषय मे क्या recommendation की है। और यदि यह क्लेम को repudiate करने की अनुशंसा की है तो यह पता चलेगा की बीमा पालिसी अनुबंध की किस specific terms and conditions के तहत उन्होंने यह क्लेम को repudiate करने की अनुशंसा की है। बीमा कंपनी से क्लेम repudiate/ no claim करने के विषय में लैटर की मांग करना।

[@yashprajapati9478]

Short video bana chache

[@motorinsuranceclaimspracti4142]

यह विडियो मैसेज खासतौर से उनके लिए है जिन्हे इस प्रकार के मोटर OD बीमा क्लेम केस मे दिक्कत परेशानी हो रही है। अगर आपको को short video बेहतर लगते है और मेरे ये video message लंबे लगते है, तो यह आपकी मर्जी है कि आप इसे देखो या ना देखो, यह कोई जबरदस्ती तो है नहीं। हर व्यक्ति का अपना तरीका होता है। धन्यवाद।

[@adarshsangeetjagatyadav6630]

Sir mai apse baat karna chahta hu

[@motorinsuranceclaimspracti4142]

[e-mail]

[@manojsharma-gt8hr]

Sir meri bike company India se exit jr chuki h aur uska koi authorised service centre hi nahi hai, privately mechanic apne hisab se charge kr rhe h service n spares ka. Abhi ek chota accident bhi hua tha bike ka jisme zyada loss ni hua bs plastic panels change kiye mechanic ne dusri bike se. In future sir major accident ho jaye bike ka toh sir kya mai accident claim kr paunga mai? Aur spares ki bhi dikkat reheti hai. Please yha thodi claim ki clarity k liye help kr dijiye 🙏

[@motorinsuranceclaimspracti4142]

वैसे नियम तो यह है कि यदि कोई Automobile वाहन कंपनी यदि हमारे देश मे अपना वाहन बनाना बेचना business बंद करती है, तब भी उसको इसके बाद कुछ तैय वर्षों तक अपने ग्राहको को periodic maintenance कार्य के लिए service देनी होती है। लेकिन आप कह रहे है कि आपकी मोटरसाइकिल की कंपनी ने हमारे देश भारत मे अपना कारोबार बंद कर दिया है, servicing भी बंद कर दी है। मेरी जानकारी में एक ऐसी वाहन कंपनी UM Lohia two wheelers pvt Ltd- UM Commando भी है। लेकिन यदि ऐसा कोई भी वाहन है तथा जिसका बीमा है। तो दुर्घटना होने पर उसका बीमा क्लेम, बीमा पालिसी अनुबंध के अनुसार मिल जायेगा। दुर्घटना होने पर किसी भी mechanic shops से आप इस दुर्घटनाग्रस्त गाड़ी को रिपेयर करने का विस्तृत estimate लेकर बीमा कंपनी को क्लेम सूचित कर सकते है। बीमा कंपनी प्रतिनिधि इस वर्कशाप mechanic से बातचीत करके, रिपेयर एप्रूवल देकर गाड़ी को, उचित मूल्य पर, ठीक करने के लिए कह सकते है। बीमा क्लेम लेने के लिए यह जरूरी नहीं होता कि गाड़ी को Dealer workshop पर ही रिपेयर कराना अनिवार्य है। बीमा पालिसी पालिसी मे एक शर्त 03 होती है। 3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the loss or damage and the liability of the Company shall not exceed: (a) for total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck. (b) for partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle -""" actual and reasonable costs of repair""" and/or replacement of parts lost/damaged subject to depreciation as per limits specified. जिसमे गाड़ी को रिपेयर करने के लिए reasonable, actual खर्च की क्षतिपूर्ति के लिए लिखा होता है। और यह बीमा पालिसी अनुबंध के अनुसार बीमा कंपनी की जिम्मेदारी होती है। यदि बीमा कंपनी को किसी mechanic workshop का क्लेम दुर्घटना के विषय मे estimate repair खर्च सही नहीं लगता तो फिर बीमा कंपनी को यह क्लेम गाड़ी को रिपेयर कराने का विकल्प उपलब्ध कराना होगा।

[@9329501813]

Sir Maine aapko Mail kiya hai Sir main bahut problem mein hoon

[@motorinsuranceclaimspracti4142]

आपकी email I'd क्या है, और आपने मुझे कब ईमेल की है। आपकी समस्या क्या है।

[@9329501813]

@@motorinsuranceclaimspracti4142 🙏

[@RohitKashyap-jm5bw]

Maine sir Graivnce bhi dali hai Company ko or Irda ko bhi Fir bhi kuch nhi pta chal rha hai kya kre ab sir

[@motorinsuranceclaimspracti4142]

आपको बीमा कंपनी मे इसके लिए लिखित मे शिकायत करनी होगी। [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] यदि आपको बीमा कंपनी से कोई शिकायत है, तो सबसे पहले वह शिकायत को बीमा कंपनी व Authority के संबधित उच्च अधिकारी गण को लिखित मे करनी चाहिए।

[@RohitKashyap-jm5bw]

@@motorinsuranceclaimspracti4142 Hanji Sir maine Compny ke GRO ko bhi mail dali hai fir bhi kuch nhi hua sir aap mujhe apna contact no de do apse baat krni hai

[@motorinsuranceclaimspracti4142]

@@RohitKashyap-jm5bw मैंने यहाँ पर, protection of policy holders interest gazette notification 2017 के General insurance claim के विषय में क्या नियम तरीके होने चाहिए वह भी साझा किये थे, उन नियमों को पढ़ कर, आप उनके सापेक्ष अपनी शिकायत, जो ईमेल मैंने आपको साझा की है, उन सब पर कर दे। और फिर थोड़ा सा सब्र रखे, फिर आपकी शिकायत सही जगह और सही तरीके से शुरू हो जायेगी। तथा प्रतिदिन reminder 01,02,03 आदि बढ़ते हुए शिकायत को continue करना है।

[@motorinsuranceclaimspracti4142]

@@RohitKashyap-jm5bw Protection of policy holders interest gazette notification 2017,- 15. CLAIM PROCEDURE IN RESPECT OF A GENERAL INSURANCE POLICY 1. An insured or the claimant shall give notice to the insurer of any loss arising under contract of insurance at the earliest or within such extended time as may be allowed by the insurer. On receipt of such a communication, a general insurer shall respond immediately and give clear information to the insured on the procedures that he should follow. In cases where a surveyor has to be appointed for assessing a loss/claim, it shall do so immediately, in any case within 72 hours of the receipt of intimation from the insured. Insurer shall communicate the details of the appointment of surveyor, """"including the role, duties and responsibilities of the surveyor to the insured by letter, email or any other electronic form immediately after the appointment of the surveyor"""". 2. The insurer / surveyor shall within """"7 days of the claim intimation, inform the insured / claimant of the essential documents and other requirements that the claimant should submit in support of the claim""""". Where documents are available in public domain or with a public authority, the surveyor/insurer shall obtain them. 3. The surveyor shall start the survey immediately unless there is a contingency that delays immediate survey, in any case within 48 hours of his appointment. Interim report of the physical details of the loss shall be recorded and uploaded/forwarded to the insurer within the shortest time but not later than 15 days from the date of first visit of the surveyor. """"A copy of the interim report shall be furnished by the insurer to the insured/claimant, if he so desires"""". 4. Where the insured is unable to furnish all the particulars required by the surveyor or where the surveyor does not receive the full cooperation of the insured, """" the insurer or the surveyor, as the case may be, shall inform in writing to the insured under information to the insurer about the consequent delay that may result in the assessment of the claim""" . """" It shall be the duty equally of the insurer and the surveyor to follow up with the insured for pending information/documents guiding the insured with regard to submissions to be made"""". """" The insurer and/or surveyor shall not call for any information/document that is not relevant for the claim""""". 5. (i) The surveyor shall, subject to sub-regulation 4 above, submit his final report to the insurer within 30 days of his appointment. """"A copy of the surveyor’s report shall be furnished by the insurer "to the insured/claimant", if he so desires"""". Notwithstanding anything mentioned herein, in case of claims made in respect of commercial and large risks the surveyor shall submit the final report to the insurer within 90 days of his appointment. However, such claims shall be settled by the insurer within 30 days of receipt of final survey report and/or the last relevant and necessary document as the case may be. (ii) Where special circumstances exist in respect of a claim either due to its special / complicated nature, or due to difficulties associated with replacement/reinstatement, the surveyor shall, seek an extension from insurer for submission of his report. """"In such an event, the insurer shall give the status to the insured/claimant fortnightly wherever warranted""". The insurer may make provisional/ on account payment based on the admitted claim liability. 6. If an insurer, on the receipt of a survey report, finds that it is incomplete in any respect, he shall require the surveyor, under intimation to the insured/claimant; to furnish an additional report on certain specific issues as may be required by the insurer. Such a request may be made by the insurer within 15 days of the receipt of the final survey report. Provided that the facility of calling for an additional report by the insurer shall not be resorted to more than once in the case of a claim. 7. The surveyor, on receipt of this communication, shall furnish an additional report within three weeks from the date of receipt of communication from the insurer. 8. On receipt of the final survey report or the additional survey report, as the case may be, and on receipt of all required information/documents that are relevant and necessary for the claim, an insurer shall, with in a period of 30 days offer a settlement of the claim to the insured/claimant. If the insurer, for any reasons to be recorded in writing and communicated to the insured/claimant, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of the final survey report and/or additional information/documents or the additional survey report, as the case may be. 9. """" In case, the amount admitted is less than the amount claimed, then the insurer shall inform the insured/claimant in writing about the basis of settlement in particular, where the claim is rejected, the insurer shall give the reasons for the same in writing drawing reference to the specific terms and conditions of the policy document""". 10. """In the event the claim is not settled within 30 days as stipulated above, the insurer shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by insurer till the date of actual payment""". 19. GENERAL PRINCIPLES: 6. Any breach of the obligations cast on an insurer or distribution channels or surveyors in terms of these regulations may enable the Authority to initiate action against each or all of them, jointly or severally, under the Act and/or the Insurance Regulatory and Development Authority Act, 1999.

[@RohitKashyap-jm5bw]

@@motorinsuranceclaimspracti4142 Sir meri baat hui thi aaj unke head office me jo Meri Flies dekh rhe hai wo bol rhe the ki jo hamre pass clearfication h wo hamne upload kr diya hai monaday tak wait kr lo aap Mujhe kuch smj me nhi aaya sir help me

[@viju1940]

Sir aap s contact Krna h m bahut badi prblm m hu

[@motorinsuranceclaimspracti4142]

[e-mail]

[@mr.youtuber379]

Sir Mera ek Gadi ko insurance company ne constructive total loss kar dia, But o gadi meri luckey gadi he kya me usko fir se repair kar sakta huu Sir please mujhe inform kariye 🙏

[@motorinsuranceclaimspracti4142]

जी, यदि आप CTL/TL loss नहीं चाहते है तो यह नहीं होगा। यह कोई compulsion नहीं है। आप इसके लिए बीमा कंपनी से बात कर लीजिये।

[@motorinsuranceclaimspracti4142]

[e-mail]

[@FACTNAUTS_PREPAREwithMISHRAji]

Sir maine 2.2.22 ko car kharidi ar 7 ko accident hogya rc abhi mili nhi hai to claim mil skta hai??

[@motorinsuranceclaimspracti4142]

मुझे लगता है, आपने कार Dealer को Registration tax जमा किया हुआ होगा। इसी आधार पर, यदि बाकी सब सही है तो आपका क्लेम मिलना चाहिए।

[@FACTNAUTS_PREPAREwithMISHRAji]

@@motorinsuranceclaimspracti4142 Sir insurance hai mere pas baki sell paper hai

[@FACTNAUTS_PREPAREwithMISHRAji]

@@motorinsuranceclaimspracti4142 If u have any whtsapp nmbr plz give sothat i can communicate to u

[@motorinsuranceclaimspracti4142]

@@FACTNAUTS_PREPAREwithMISHRAji [e-mail]

[@amitkumar-kb9ef]

Sir kya apka contact no mil skta

[@motorinsuranceclaimspracti4142]

[e-mail]

[@sumiraj85]

Hello sir can get your contact details. I have landed in same situation where dealer sold me total loss car without my knowledge, so wanted to discuss with you what action I can take? Thank you.

[@kumarisangeeta7479]

Sahab mob no plz

[@motorinsuranceclaimspracti4142]

[e-mail] पर आप मुझे ईमेल करके मेरी contact details ले सकते है।

[@smartonly9732]

Sir plz ap apna num de do

[@motorinsuranceclaimspracti4142]

[e-mail] पर ईमेल करके मेरी contact details ले सकते हो।

[@tourtv6291]

Kya bakraha hee,thikse bol na.

[@motorinsuranceclaimspracti4142]

वाह साहब क्या भाषा है!

[@prabhatsingh2773]

sir i have some query regarding my claim how can I contact you

[@motorinsuranceclaimspracti4142]

[e-mail]

[@adarshsangeetjagatyadav6630]

Sir apna number do please 🙏 ham itne jankar nahi hai hamari gadi bhi toal loss Hui hai or bayar bayar Kam velu laga raha tha to hamne gadi di nahi or apne pass rakhna chahte hai lekin finenns Wale kah rahe hai ki gadi total loss hai to apko finenns pura abhi bharna padega

[@motorinsuranceclaimspracti4142]

सार :- कुल मिलाकर मेरा कहना यह है कि निजी क्षेत्र की अधिकांश साधारण बीमा कंपनी, constructive total loss, क्लेम केस को गलत तरीके से, गाड़ी साल्वेज को एक गाड़ी के रूप मे बिकवाकर, गलत तरीके से क्लेम को सैटलमैट कर रही है। और सबसे महत्वपूर्ण बात यह है कि यह कार्य इतनी धूर्तता के साथ करती है कि इस तरीके के क्लेम सैटलमैट के लिए, बीमा धारक ग्राहक को लिखित मे क्लेम सैटलमैट आफर लैटर जिसमे अपनी जिम्मेदारी सहित क्लेम सैटलमैट तरीके को लिखकर दे, लिखित मे देकर नहीं करती है। उल्टा बीमा धारक ग्राहक को एक consent format देकर, जबरदस्ती धूर्तता के साथ, उससे उसकी मर्जी पसंद के अनुसार यह विकल्प की चाहत को लिखवाकर ले लेती है। ताकि यदि कभी भविष्य में कोई कानूनी मामला आये तो उससे बीमा कंपनी साफ साफ बच जाय, बीमा कंपनी कह सके कि हमने तो यह तरीका बीमा धारक ग्राहक के कहने पर उसकी चाहत पसंद के अनुसार किया है। इस प्रकार के गलत कार्य मे अक्सर कुछ चुनिंदा एप्रूवड सर्वेयर भी बीमा कंपनी का साथ देते है, जो कि बहुत दुर्भाग्यपूर्ण है। इस प्रकार की गाड़ी के तौर पर बिकी salvage का अक्सर चोरी की गाड़ी मे इस्तेमाल होता है। आप अक्सर अखबार मे इस तरीके की खबरों को पढ़ सकते है। वैसे irdai ने भी इसके लिए सभी साधारण बीमा कंपनी को advisory जारी की हुई है कि सभी बीमा कंपनी total loss claim मे गाड़ी की rc को निरस्त करके क्लेम सैटलमैट करे। लेकिन यहाँ अधिकांश निजी क्षेत्र की साधारण बीमा कंपनी पर इसका कोई फर्क नहीं पड़ रहा है। इन अधिकांश बीमा कंपनी के अधिकारी कर्मचारी ने constructive total loss के लिए अपनी अपनी पसंद मर्जी के अनुसार परिभाषा बना रखी है व उसे ही अमल मे ला रहे। यह सब कुछ बहुत ही खुलेआम चल रहा है। वास्तव मे यह बहुत ज्यादा निराशाजनक है।

[@tushargupta461]

Sir aap ka mobail number. Nai dale hai

[@motorinsuranceclaimspracti4142]

[e-mail]

[@enchantingviewhimachalprad4971]

Sir me last 70 days se insurance claim ke liye gum rha but company muje kuch rply nhi kar rhi bahut problem me hu sir plss contact no diye plsssssss

[@motorinsuranceclaimspracti4142]

[e-mail]

[@motorinsuranceclaimspracti4142]

Protection of policy holders interest gazette notification 2017,- 15. CLAIM PROCEDURE IN RESPECT OF A GENERAL INSURANCE POLICY 1. An insured or the claimant shall give notice to the insurer of any loss arising under contract of insurance at the earliest or within such extended time as may be allowed by the insurer. On receipt of such a communication, a general insurer shall respond immediately and give clear information to the insured on the procedures that he should follow. In cases where a surveyor has to be appointed for assessing a loss/claim, it shall do so immediately, in any case within 72 hours of the receipt of intimation from the insured. Insurer shall communicate the details of the appointment of surveyor, """"including the role, duties and responsibilities of the surveyor to the insured by letter, email or any other electronic form immediately after the appointment of the surveyor"""". 2. The insurer / surveyor shall within """"7 days of the claim intimation, inform the insured / claimant of the essential documents and other requirements that the claimant should submit in support of the claim""""". Where documents are available in public domain or with a public authority, the surveyor/insurer shall obtain them. 3. The surveyor shall start the survey immediately unless there is a contingency that delays immediate survey, in any case within 48 hours of his appointment. Interim report of the physical details of the loss shall be recorded and uploaded/forwarded to the insurer within the shortest time but not later than 15 days from the date of first visit of the surveyor. """"A copy of the interim report shall be furnished by the insurer to the insured/claimant, if he so desires"""". 4. Where the insured is unable to furnish all the particulars required by the surveyor or where the surveyor does not receive the full cooperation of the insured, """" the insurer or the surveyor, as the case may be, shall inform in writing to the insured under information to the insurer about the consequent delay that may result in the assessment of the claim""" . """" It shall be the duty equally of the insurer and the surveyor to follow up with the insured for pending information/documents guiding the insured with regard to submissions to be made"""". """" The insurer and/or surveyor shall not call for any information/document that is not relevant for the claim""""". 5. (i) The surveyor shall, subject to sub-regulation 4 above, submit his final report to the insurer within 30 days of his appointment. """"A copy of the surveyor’s report shall be furnished by the insurer "to the insured/claimant", if he so desires"""". Notwithstanding anything mentioned herein, in case of claims made in respect of commercial and large risks the surveyor shall submit the final report to the insurer within 90 days of his appointment. However, such claims shall be settled by the insurer within 30 days of receipt of final survey report and/or the last relevant and necessary document as the case may be. (ii) Where special circumstances exist in respect of a claim either due to its special / complicated nature, or due to difficulties associated with replacement/reinstatement, the surveyor shall, seek an extension from insurer for submission of his report. """"In such an event, the insurer shall give the status to the insured/claimant fortnightly wherever warranted""". The insurer may make provisional/ on account payment based on the admitted claim liability. 6. If an insurer, on the receipt of a survey report, finds that it is incomplete in any respect, he shall require the surveyor, under intimation to the insured/claimant; to furnish an additional report on certain specific issues as may be required by the insurer. Such a request may be made by the insurer within 15 days of the receipt of the final survey report. Provided that the facility of calling for an additional report by the insurer shall not be resorted to more than once in the case of a claim. 7. The surveyor, on receipt of this communication, shall furnish an additional report within three weeks from the date of receipt of communication from the insurer. 8. On receipt of the final survey report or the additional survey report, as the case may be, and on receipt of all required information/documents that are relevant and necessary for the claim, an insurer shall, with in a period of 30 days offer a settlement of the claim to the insured/claimant. If the insurer, for any reasons to be recorded in writing and communicated to the insured/claimant, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of the final survey report and/or additional information/documents or the additional survey report, as the case may be. 9. """" In case, the amount admitted is less than the amount claimed, then the insurer shall inform the insured/claimant in writing about the basis of settlement in particular, where the claim is rejected, the insurer shall give the reasons for the same in writing drawing reference to the specific terms and conditions of the policy document""". 10. """In the event the claim is not settled within 30 days as stipulated above, the insurer shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by insurer till the date of actual payment""". 19. GENERAL PRINCIPLES: 6. Any breach of the obligations cast on an insurer or distribution channels or surveyors in terms of these regulations may enable the Authority to initiate action against each or all of them, jointly or severally, under the Act and/or the Insurance Regulatory and Development Authority Act, 1999.

[@motorinsuranceclaimspracti4142]

इस विषय मे बीमा कंपनी के higher officials व chief Grievance official को लिखित मे ( ईमेल से) शिकायत कीजिये। व क्लेम सैटलमैट करने में देरी की वजह पूछिये। साथ मे आप irdai officials व department of financial services के officials व संबंधित उच्च अधिकारी गण को भी शिकायत कर सकते है।

[@enchantingviewhimachalprad4971]

@@motorinsuranceclaimspracti4142 Sir pehle meri car ko total loss me kar rhe the or idv velue de rhe the jab maine RTI bhi manga to abhi car repair karne ko bol rhe he me kya kru pls sir ek bar baat ek bar mujse call me baat karna I request u sir

[@motorinsuranceclaimspracti4142]

@@enchantingviewhimachalprad4971 You can share yours contact details on my email I'd.

[@RAMRAM-bw5uc]

Sir aapke number dijiye

[@motorinsuranceclaimspracti4142]

[e-mail]

[@vaibhavpawar7707]

Respected sir i am writting this mail to get me an expert advice as i dnt knw much about insurance i registerd a claim with my insurance company on 13 oct2021 as i was driving my car on a oneway road due to poor visiblity a truck dashed me from front bumper and teared till the end of my car hindi me jyada comfortable hoga mujhe jaise gadi aage se picche tak truck or it maybe any heavy vehicle pr police pachnama me truck likha h isileye truck jaise vo hit hui mera santulan gadi se choot gaya or me 1 raste k becho bech wale Tree (ped ) se takkar mar k behosh hoo gaya lag bgh 30 min baad logo ne muje gadi se bahar nikala tab mene dekha car ka kafi nuksan hoo chuka tha gadi total loss condition me thi tb mene spot photos leke gadi bhej di showroom uspe waha lagi investigation usme mujhe bhoht sawal kiye gaye investigator aya unhone spot dekha or mujhe email pe sawal krna chalu kiya ab mere gadi ka idv hai 30 lakh or gadi kharidi thi mene 21 lakh me menne mere insurance advisior se baat ki unhone mujhe kaha ki gadi ki value gadi k idv value se jyada baataye toh hi claim milega mene gadi ki kimmat 37 bata di ab vo maang rahe hai payment trail jisme mene sirf 11 lakh ka loan kiya hai 10 lakh cash diye the or ab investigator baar baar mujhe payment trail k baare me puch k force kr raha hai mere bank statement mere 5 saal k IT returns mera bussiness ka chalan book sab k xerox maange hai yaha tak ki gst cgst bills sale purchase k pichle 5 saal k ab me kya karu iss situation me kya me unko bata du ki gadi mene 37 me nahi khareedi thi kya usse mere idv or claim me farak ayega kuch or vo bar bar batane k baad bhi incidence jaise hua hai usme problems nikal rahe hai ki ab merko jitna yaad h utna sach bataya h ab jo nhi dekha yaa fir nhi janta vi cheeje xplain krne bol rahe hai ki windscreen kaise damage hua picche ka pillars kaise bend hue gadi k damage gadi se match kyu nhi hoo rahe aapne seatbelt kyu nhi lagayi thi aise bhoht sawal krte hai or usme mere gadi ki idv 30 lakh hai jo bank k branch manager ne mujhe di thi or uspe loan bhi karwaya tha insurnace ki mrp pe or jab mene gadi dealer se li thi second hand tab unhone mujhe koi sale letter bhi nahi diya tha or abhi gadi ka jab vehicle history mangwaya tab mujhe pata chala ki gadi 2012 ki manufacture hai jab ki gadi ki rc pe gadi manufacture 2015 or registration 2015 ka hai yeh baat mujhe aaj samjhi hai kya yeh baat me insurnace investigator k sath share karu please isme aap mujhe madad kijiye jo bhi sach sach hai mene aapko bataya hai 🙏🏻🙏🏻🙏🏻🙏🏻

[@motorinsuranceclaimspracti4142]

मैंने आपका मैसेज पढ़ा और आपके द्वार दी गयी दुर्घटना व जानकारी को जाना। मोटर बीमा पैकेज बीमा पालिसी मे गाड़ी की IDV को तैय करने के लिए Indian Motor Tariff 2002 मे General Regulation 08 मे नियम बनाया हुआ है। गाड़ी के शुरूआती 05 वर्ष के लिए एक fix depreciation के अनुसार IDV तैय की जाती है तथा उससे पुरानी गाड़ी के लिए बीमा कंपनी व बीमा धारक ग्राहक के मध्य आपसी सहमति से IDV तैय की जाती है। अब मै आपके क्लेम विषय पर आता हूँ, मान लो अगर आपने यह गाड़ी लगभग मुफ्त मे खरीदी होती तो क्या इस गाड़ी की IDV लगभग मुफ्त रखी जा सकती थी। या आपने यह गाड़ी नयी गाड़ी की कीमत से भी ज्यादा पर खरीदी होती तो क्या बीमा मे गाड़ी की IDV नयी से भी ज्यादा रखी जा सकती थी। दोनों उपरोक्त सवाल का जबाब है नहीं। यदि यह गाड़ी 05 वर्ष से कम पुरानी है तो G.R. 08 मे तैय depreciation के साथ IDV तैय करनी होती है और यदि यह 05 वर्ष से पुरानी है तो बीमा कंपनी व बीमा धारक ग्राहक की आपसी सहमति से IdV तैय की जाती है। आपकी गाड़ी की IDV तैय करने में आपने बीमा कंपनी पर कोई दबाव नहीं डाला है। वह तो आपसी सहमति से हुई है। और आपने बीमा कंपनी को इस बीमित IDV के लिए बीमा प्रीमियम धन दिया है। इसलिए आपकी IDV तो बीमा पालिसी के अनुसार ही मानी जायेगी। नियमानुसार बीमा क्लेम के लिए बीमा पालिसी मे तैय IDV को negotiate नहीं किया जा सकता है। मेरा मानना है कि ईमानदारी व सच्चाई सबसे सही विकल्प होता है। यदि इन पर ही चला जाय तो बेहतर है। दुसरा आपके बीमा क्लेम मे जो Investigator लगा है और आपसे जो वह ऊलजलूल सवाल व मांग कर रहा है तो वह गलत है, आप उसके सवाल व माँगो का जबाब मना के रूप में दे सकते हो। आजकल के समय मे बीमा कंपनी के बहुत से ऐसे Investigator है, का शायद Police या CBI वाले भी ऐसे न हो। हमारे देश मे बीमा क्लेम आदि के विषय मे बीमा नियामक ने protection of policy holders interest gazette notification 2017 बनाया हुआ है। उसमे बीमा क्लेम procedures को दिया हुआ है। उसमे लिखा है कि बीमा कंपनी बीमा क्लेम के विषय मे कोई भी irrelevant papers की मांग नही कर सकती है। जैसे आपके क्लेम केस मे यह Investigator आपसे न जाने क्या क्या मांग रहा है जैसे ITR, पैसों का लेन देन, business की details, जबकि ये सब आपकी निजी confidential जानकारी है। इनका बीमा क्लेम से कोई लेना देना नहीं है। ये जानकारी पुलिस, enforcement agency या income tax department ही ले सकते है। बीमा कंपनी को आपकी ये निजी confidential जानकारी लेने का अधिकार नहीं है। फिर भी यदि बीमा कंपनी को, इन सब बातों की जरूरत थी, तो ये सब जानकारी बीमा करने से पहले proposal form मे भरवाकर बीमा धारक ग्राहक से लेनी चाहिए थी। जबकि मुझे उम्मीद है कि उस समय बीमा कंपनी ने आपसे proposal form पर कुछ भी भरवाकर नही लिया होगा। इसलिए नियमानुसार अब बीमा कंपनी की जिम्मेदारी IDV के अनुसार ही होगी। फिर भी यदि

[@motorinsuranceclaimspracti4142]

Protection of policy holders interest gazette notification 2017,- 15. CLAIM PROCEDURE IN RESPECT OF A GENERAL INSURANCE POLICY 1. An insured or the claimant shall give notice to the insurer of any loss arising under contract of insurance at the earliest or within such extended time as may be allowed by the insurer. On receipt of such a communication, a general insurer shall respond immediately and give clear information to the insured on the procedures that he should follow. In cases where a surveyor has to be appointed for assessing a loss/claim, it shall do so immediately, in any case within 72 hours of the receipt of intimation from the insured. Insurer shall communicate the details of the appointment of surveyor, """"including the role, duties and responsibilities of the surveyor to the insured by letter, email or any other electronic form immediately after the appointment of the surveyor"""". 2. The insurer / surveyor shall within """"7 days of the claim intimation, inform the insured / claimant of the essential documents and other requirements that the claimant should submit in support of the claim""""". Where documents are available in public domain or with a public authority, the surveyor/insurer shall obtain them. 3. The surveyor shall start the survey immediately unless there is a contingency that delays immediate survey, in any case within 48 hours of his appointment. Interim report of the physical details of the loss shall be recorded and uploaded/forwarded to the insurer within the shortest time but not later than 15 days from the date of first visit of the surveyor. """"A copy of the interim report shall be furnished by the insurer to the insured/claimant, if he so desires"""". 4. Where the insured is unable to furnish all the particulars required by the surveyor or where the surveyor does not receive the full cooperation of the insured, """" the insurer or the surveyor, as the case may be, shall inform in writing to the insured under information to the insurer about the consequent delay that may result in the assessment of the claim""" . """" It shall be the duty equally of the insurer and the surveyor to follow up with the insured for pending information/documents guiding the insured with regard to submissions to be made"""". """" The insurer and/or surveyor shall not call for any information/document that is not relevant for the claim""""". 5. (i) The surveyor shall, subject to sub-regulation 4 above, submit his final report to the insurer within 30 days of his appointment. """"A copy of the surveyor’s report shall be furnished by the insurer "to the insured/claimant", if he so desires"""". Notwithstanding anything mentioned herein, in case of claims made in respect of commercial and large risks the surveyor shall submit the final report to the insurer within 90 days of his appointment. However, such claims shall be settled by the insurer within 30 days of receipt of final survey report and/or the last relevant and necessary document as the case may be. (ii) Where special circumstances exist in respect of a claim either due to its special / complicated nature, or due to difficulties associated with replacement/reinstatement, the surveyor shall, seek an extension from insurer for submission of his report. """"In such an event, the insurer shall give the status to the insured/claimant fortnightly wherever warranted""". The insurer may make provisional/ on account payment based on the admitted claim liability. 6. If an insurer, on the receipt of a survey report, finds that it is incomplete in any respect, he shall require the surveyor, under intimation to the insured/claimant; to furnish an additional report on certain specific issues as may be required by the insurer. Such a request may be made by the insurer within 15 days of the receipt of the final survey report. Provided that the facility of calling for an additional report by the insurer shall not be resorted to more than once in the case of a claim. 7. The surveyor, on receipt of this communication, shall furnish an additional report within three weeks from the date of receipt of communication from the insurer. 8. On receipt of the final survey report or the additional survey report, as the case may be, and on receipt of all required information/documents that are relevant and necessary for the claim, an insurer shall, with in a period of 30 days offer a settlement of the claim to the insured/claimant. If the insurer, for any reasons to be recorded in writing and communicated to the insured/claimant, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of the final survey report and/or additional information/documents or the additional survey report, as the case may be. 9. """" In case, the amount admitted is less than the amount claimed, then the insurer shall inform the insured/claimant in writing about the basis of settlement in particular, where the claim is rejected, the insurer shall give the reasons for the same in writing drawing reference to the specific terms and conditions of the policy document""". 10. """In the event the claim is not settled within 30 days as stipulated above, the insurer shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by insurer till the date of actual payment""". 19. GENERAL PRINCIPLES: 6. Any breach of the obligations cast on an insurer or distribution channels or surveyors in terms of these regulations may enable the Authority to initiate action against each or all of them, jointly or severally, under the Act and/or the Insurance Regulatory and Development Authority Act, 1999.

[@motorinsuranceclaimspracti4142]

According to Indian Motor Tariff 2002:- GR.8. Insured‟s Declared Value (IDV)- The Insured‟s Declared Value (IDV) of the vehicle will be deemed to be the „SUM INSURED‟ for the purpose of this tariff and it will be fixed at the commencement of each policy period for each insured vehicle. The IDV of the vehicle is to be fixed on the basis of manufacturer‟s listed selling price of the brand and model as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation (as per schedule specified below). The IDV of the side car(s) and / or accessories, if any, fitted to the vehicle but not included in the manufacturer‟s listed selling price of the vehicle is also likewise to be fixed. The schedule of age-wise depreciation as shown below is applicable for the purpose of Total Loss/ Constructive Total Loss (TL/ CTL) claims only. A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and / or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of the IDV. The depreciation for replacement of parts in partial loss claims will be as per a separate schedule specified under GR.9. SCHEDULE OF DEPRECIATION FOR ARRIVING AT IDV AGE OF THE VEHICLE % OF DEPRECIATION FOR FIXING IDV Not exceeding 6 months 5% Exceeding 6 months but not exceeding 1 year 15% Exceeding 1 year but not exceeding 2 years 20% Exceeding 2 years but not exceeding 3 years 30% Exceeding 3 years but not exceeding 4 years 40% Exceeding 4 years but not exceeding 5 years 50% NOTE: """"" IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles ( i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the insurer and the insured""""". """ For the purpose of TL/CTL claim settlement, this IDV will not change during the currency of the policy period in question"""". It is clearly understood that the liability of the insurer shall in no case exceed the IDV as specified in the policy schedule less the value of the wreck, in „as is where is‟ condition.

[@motorinsuranceclaimspracti4142]

आपकी गाड़ी की दुर्घटना को 30 days से ज्यादा समय बीत गया है। मुझे लगता है कि बीमा कंपनी को यह क्लेम की सूचना भी आपने तभी दे दी होगी और इस बात को भी 30 days से ज्यादा समय हो गया होगा। बीमा नियमों के अनुसार आपका बीमा कंपनी तो अब तक सैटल हो जाना चाहिए था। आप बीमा कंपनी से इस क्लेम केस मे नियुक्त किये गये Approved Surveyor का नाम व लाइसेंस नंबर कि जानकारी, बीमा कंपनी को ईमेल लिख कर मांग करो। आप बीमा कंपनी व एप्रूवड सर्वेयर ने से इस क्लेम केस के लिए interim survey report copy की मांग करो। आप बीमा कंपनी व एप्रूवड सर्वेयर से इस क्लेम केस की सर्वे रिपोर्ट कापी की मांग करो। जो ये बीमा कंपनी के Investigator आपसे आपकी निजी confidential documents व जानकारी की ऊलजलूल माँग कर रहा। उसकी बीमा कंपनी को लिखित मे शिकायत व मना करो। आप इस विषय मे बीमा नियामक व Irdai व वित् मंत्रालय के अधिकारी गण को इसकी लिखित मे शिकायत करो। यहाँ पर देर हो सकती है लेकिन अंधेर नहीं है। मुझे उम्मीद ही कि आपको न्याय मिलेगा।

[@motorinsuranceclaimspracti4142]

शिकायत करने के लिए बीमा नियामक कार्यलय के उच्च अधिकारी गण व संबंधित विभाग के उच्च अधिकारी गण की Email id:- [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail] [e-mail]

[@motorinsuranceclaimspracti4142]

STANDARD FORM FOR PRIVATE CAR PACKAGE POLICY :- Policy condition 03- 3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the loss or damage and """the liability of the Company shall not exceed""": (a) """"for total loss / constructive total loss of the vehicle"""" - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule ""less the value of the wreck"". (b) ""for partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle""" - actual and reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as per limits specified.

[@yogeshsaini8706]

Muje training karne te OD Claims and TP claim and death Claim , k leya investigator

[@motorinsuranceclaimspracti4142]

@@yogeshsaini8706 इस बारे में तो मुझे कोई जानकारी नहीं है।