Apr 12, 2016 11:45 AM
49445 Views
This is to make general public aware to have a good discussion about the terms and conditions of the insurance provided at time of purchase of a new car and have it in written. I had my 0-Debt insurance by HDFC which includes anything that get damaged during an accident(as told by the Car Showroom people), no representative from HDFC Insurance side got involved at that time to explain the terms and conditions etc.
But on 9th April, 2016(after 3-months of car purchase) my car got hit from front and left side simultaneously by two different vehicles on Noida-62 red light. When I went for claim(claim No C230016004295), at that time they told me that only 2times in a year my car is applicable for 0-Debt insurance and the accident that will happen first and fresh will be covered.
So they will cover my car FRONT DAMAGE and not LEFT, because it got hit from front first and then left(PART OF ONE ACCIDENT).
When I talked to surveyor(wont mention his name out of goodwill) he said out of goodwill he will cover left as it is damaged more and not FRONT, I argued, and asked him to send me a mail stating this policy, to cover both as they were part of same accident the Surveyor said that he doesn't believe that they part of same accident and will now cover only FRONT AND NOT LEFT, this is when this was a minor accident and by paying 4-5K from my pocket I can get it repaired. But I was shocked at their response and I told him that I cannot forecast an accident so that I can have a Insurance representative to witness that it was one accident and not 2 different ones.
My car is still at Body-Shop for repair and want full cover for it.
