Sir, I am serving in Indian Army wid my unit located in Dalhousie. I bought a Ford Ikon 1.4 TDCi of April 2009 Model from Bhagat Ford, Jallandhar. I took comprehensive Insurance from ICICI Lombard with cover note no. pl 8365348 for the period of 2009-10. I had a major accident on 28th of May in dalhousie cantt. area, wid me driving my new car. At the spot car images were taken by the police officials and a FIR no. :67 was launched in Dalhousie police station. I was admitted in Dalhousie MH from 28th of May to 10th of June. On 11th of june i registered the motor claim with claim no. MOTO1154446. I got a estimation of the accidented car done on 12th june in Dalhousie, which came out to be more than 5, 50, 000/-. I sent all the documents required, to ICICI lombard official in amritsar. In reply officials told me that the photos of the car were not clear and estimation done cannot be taken into consideration till the car is sent to Amritsar. I did the required and sent the car to Amritsar on 25th of june, which costed me Rs 5, 500/-. after being sent to Amritsar the car was surveyed the car and the estimated value of car was given as Rs 3, 50, 000/-. which is more than 75% of the total insurance amount of the car. The car has a lot of damage to an extent that it will require a new car shell. And surely the amount declared by the independent surveyor is not correct and will definitely be much more according to my opinion. Still, if considered, the amount given by the surveyor comes to be more than 75% of the total amount of the insurance of the car, in such a case a car is considered to be total loss, and the owner of the insurance policy is given the total insurance amount acording to your company's norms. Its been more than 1 month since the car was sent to amritsar and surveyed but After many discussuion there is no action being taken and no support from your company officials. I am totally at loss as to whom to approach. Pls take some serious action as soon as possible as am also payin the instalments for the loan of the car which does not even exists anymore.
Please do the needful.