[Resolved]  Maruti Car Zen Estilo Lxi — Car Insurance claim rejected without giving anything in writing

Hi,

My entire e-mail communication for the subject matter are as follows.

1) Name : Pradeep D. Nathani
2) Address: 1/7, Sawant Wadi,
a. Chirag Nagar,
b. Ghatkopar(W),
c. Mumbai – 400086.
3) Car Model: Zen Estilo Lxi
4) Vehicle Purchased from: Spectra Motors Ltd, Ghatkopar (W), Mumbai-400086.
5) Delivery Date: 5th Nov 2007

6) Period of Insurance: 30th Oct 2007 to 29th Oct 2008

7) Date & Time of Accident : 14/12/2007 10 to 12 pm at Near Residence
8) Speed of Vehicle : Parking
9) Place of Accident : Near Residence,

10) Narration of Accident : I have parked my car near my house and when I saw I found the certain dame to my car

11) On 16th Dec 2007 estimate of Rs. 15430/- was given by Spectra Motors Ltd, Ghatkopar (W).

12) They have advice me not to claim this damage in order to get 20% no claim bonus; accordingly I have not claimed the damage.

13) Period of Insurance: 30th Oct 2008 to 29th Oct 2009

14) Before renewing above policy I have approached to Spectra Motors Ltd, Ghatkopar (W) and subsequently whatever has happed are as follows.
15) Email to customer.[protected]@royalsundaram.in

----- Forwarded by Customer Services/Chennai/IN/RoyalSun on 27/10/2009 10:01 AM


E-mail us

Name: Mr. Pradeep Nathani
E-mail id: [protected]@gmail.com

Phone Number: [protected]
Mobile No: [protected]
Customer Type: Existing customer
Policy Number: MP[protected]
Comments: For the subject policy I have approached at Spectra Motors, Ghatkopar (W) branch for my claim and also interacted with the Mr. Umesh and Mr. Adsule personally.

Based on my personal interaction my findings and experience are as follows.

1 During my all conversation with Mr. Umesh at Spectra Motors Ltd, Ghatkopar(w) he has tried his level best to talk negatively with me as if I am a dump person, and also a bagger.
2 Directly and indirectly telling me not to claim, I will not get claim for my car.
3 Even after repeatedly reminding that why he is talking with me totally negatively, he continue to behave in same manner.
4 I have repeatedly told him that I just have to pay the money for my car insurance and then I have to ignore the same; there is no change in their behavior.
5 I got the treatment as if I am a bagger.

Above point is just a summary looking at my long personal conversation with Mr. Umesh.

With above experience please let me know your view, reply and also let me know how can I renew my policy with you

In case you have any query in above you can reach me on my cell[protected].

Note
Policy no. is of 10 digits only where as asking for 16 digits.

Policy No MP40190435

Awaiting for your quick reply.

--
Thanks Regards

Pradeep Nathani

Resi[protected]
Cell[protected]

With Regards,

Pradeep Nathani



16) Email from customer.[protected]@royalsundaram.in to Shanta Kumar of Royalsundaram.
Dear Shantha,

The subject cmr had a conversation with Mr. Umesh and the cmr has been clearly told that his claim will not settle. Cmr is very irate for the same. Kindly do the needful and update status to cmr.

Note: Cmr's comments given below.

Regard,
Asfiya


Call Toll Free[protected] / Mobile[protected], or Email us at customer.[protected]@royalsundaram.in

17) Email received from Shanta Kumar To me (Pradeep Nathani) are as follows.
On Thu, Oct 29, 2009 at 3:41 PM, <shantha.[protected]@royalsundaram.in> wrote:
Dear Mr. Nathani,

Greetings from Royal Sundaram.

We are in receipt of your mail dated 26 Oct 09 and have noted the contents.

With reference to the discussion had with Mr. Sunil Mishra Area Head Maharashtra on 27 Oct 09, Please confirm availability of vehicle and the claim documents to enable us to inspect the vehicle.

Repairs details given below for your ready reference,

1) Powai Auto Works
Opp. Panchkutir Bus Stop,
19 Adi Shankarcharya Marg,
Powai, Mumbai 400076
Phone No: 25708842 /[protected]

2) Powai Auto Works
14,15,16, C Wing, Bldg No 01,
Kailash Complex, Vikroli Park Site
Vikroli west Mumbai 79
Phone No: 25173983/86
[protected]

For further queries please feel free to contact Mr. Sunil Mishra @[protected]

Assuring our best services.

Shanthakumar Devatha
Royal Sundaram Alliance Insurance Company Limited,
Nbr - 46 & 47, Whites Road,
3rd Floor, Deshabandhu Plaza,
Phone[protected], Extn 780
Fax[protected]
18) E-mail from Pradeep Nathani to Shantakumar is as follows.
On Fri, Oct 30, 2009 at 2:15 PM, Pradeep Nathani <[protected]@gmail.com> wrote:
Dear Shantakumar,

It was nice talking to you for the subject matter for proceeding further for my car Insurance claim.
With reference to the following e-mail and our telephonic talk I am available to give my car on 1st November 2009 in first half at

2) Powai Auto Works
14,15,16, C Wing, Bldg No 01,
Kailash Complex, Vikroli Park Site
Vikroli west Mumbai 79
Phone No: 25173983/86
[protected]

Kindly make necessary arrangement for my car claim and confirm the same on my cell:[protected] at your earliest so that I can visit at above address as per above plan.

Thanks
Pradeep Nathani
19) After above e-mail I got a call from Shanta Kumar to reschedule my appointment with at Powai Auto Works from 1st Nov 2009 to 2nd Nov 2009 since on 1st Nov 2009 is a holiday ( Sunday ) and accordingly I have visited at Work shop on 2nd Nov 2009.
Same has been communicated to Shantakumar by following e-mail.
Pradeep Nathani ---11/02/2009 02:25:03 PM---Dear Shantha Kumar,
Pradeep Nathani <[protected]@gmail.com>
11/02/2009 02:25 PM
To
shantha.[protected]@royalsundaram.in


cc


Subject
Re: Fw: MP[protected] - PRADEEP D NATHANI; [Virus checked]





Dear Shantha Kumar,

As per today's plan, appointment at Powai Auto Works, I have visited at Work shop and shown my car for the claim. They have given estimate for the same and also be in touch with you for completing rest of the procedure.

They need your approval for the same.

Please do the needful.

Thanks
Pradeep Nathani

20) Reply from Shantha Kumar is as follows.
On Tue, Nov 3, 2009 at 10:19 AM, <shantha.[protected]@royalsundaram.in> wrote:
Dear Mr. Nathani,

Thanks for your mail, we have communicated the same to our Mumbai office for further action.

As requested in our earlier mail please keep in touch with Mr. Sunil Mishra @[protected] for assistance.
Assuring our best services.

Shanthakumar Devatha
Royal Sundaram Alliance Insurance Company Limited,
Nbr - 46 & 47, Whites Road,
3rd Floor, Deshabandhu Plaza,
Phone[protected], Extn 780
Fax[protected]

21) On 5th Nov 2009 to my surprise I got a call from Powai Auto Works and Mr. Sunil Mishra that my claim is reject, immediately I have sent following email to Shantakumar.

On Thu, Nov 5, 2009 at 5:23 PM, Pradeep Nathani <[protected]@gmail.com> wrote:
Dear Shantha Kumar,

Today around 5.00pm I have got a call from Powai Auto Works that till now there is no communication from Royal Sundaram.
Since last 3 days my car is lying at Powai Auto Works without any further progress.

This is for your information and necessary action.

Thanks
Pradeep Nathani

22) I was not getting any reply from Shantakumar and hence I have sent another e-mail as follows.
On Fri, Nov 6, 2009 at 11:50 AM, Pradeep Nathani <[protected]@gmail.com> wrote:

Dear All,

Still awaiting for your quick reply.

Thanks
Pradeep Nathani

23) Still no reply from Shantakumar and again I have sent e-mail to him as follows.

Pradeep Nathani ---11/06/2009 01:43:38 PM---HOW MANY DAYS I HAVE TO REMAIN HANGING WITHOUT ANY PROGRESS?
Pradeep Nathani <[protected]@gmail.com>
11/06/2009 01:44 PM
To
shantha.[protected]@royalsundaram.in, sunil.[protected]@royalsundaram.in, ganesh.[protected]@royalsundaram.in



cc


Subject
Re: Fw: MP[protected] - PRADEEP D NATHANI; [Virus checked]






HOW MANY DAYS I HAVE TO REMAIN HANGING WITHOUT ANY PROGRESS?

24) Till such time I was trying to contact Mr. Sunil Mishra introduced by ShantaKumar ( refer point no. 20 from above)
Since their intention was dishonest Mr. Sunil was not picking his phone and finally I do not have any option except to sent e-mail to Shantakumar who also keeping mum and started avoided me till date.
Nathani <[protected]@gmail.com>
toshantha.[protected]@royalsundaram.in
dateThu, Nov 5, 2009 at 5:39 PM
subjectRe: Fw: MP[protected] - PRADEEP D NATHANI; [Virus checked]
mailed-bygmail.com

hide details Nov 5 (2 days ago)
Sunil Mishra is not lifting his phone, this for your information
25) Till now they were ignoring me successfully and not replying to me, finally I wrote the following email for taking legal action.
Nathani <[protected]@gmail.com>
toshantha.[protected]@royalsundaram.in,
sunil.[protected]@royalsundaram.in,
ganesh.[protected]@royalsundaram.in

dateFri, Nov 6, 2009 at 2:41 PM
subjectRe: Fw: MP[protected] - PRADEEP D NATHANI; [Virus checked]
mailed-bygmail.com
hide details 2:41 PM (21 hours ago)
IF I WILL NOT GET ANY REPLY FROM YOU BY TODAY EVENING I HAVE NO OPTION EXCEPT TO FOLLOW THE LEGAL ACTION AGAINST YOU.
26) Reply from ShanthaKumar
fromshantha.[protected]@royalsundaram.in to [protected]@gmail.com
ccganesh.[protected]@royalsundaram.in, sunil.[protected]@royalsundaram.in
dateFri, Nov 6, 2009 at 2:47 PM
subjectMP[protected] - PRADEEP D NATHANI; [Virus checked]
hide details 2:47 PM (20 hours ago)
Dear Nathani,
With reference to your mail and the discussion had with Mr. Sunil Mishra this morning, hope status on the vehicle claim has been communicated a formal communication will be sent by RPAD shortly.
Thanks and Regards.
Shanthakumar Devatha
Royal Sundaram Alliance Insurance Company Limited,
Nbr - 46 & 47, Whites Road,
3rd Floor, Deshabandhu Plaza,
Phone[protected], Extn 780
Fax[protected]
[protected] Forwarded message[protected]
From: Pradeep Nathani <[protected]@gmail.com>
Date: Fri, Nov 6, 2009 at 2:52 PM
Subject: Re: MP[protected] - PRADEEP D NATHANI; [Virus checked]
To: shantha.[protected]@royalsundaram.in


Kindly mentioned clearly in your e-mail what has been communicated to me and also let me know what is RPAD?

On Fri, Nov 6, 2009 at 2:47 PM, <shantha.[protected]@royalsundaram.in> wrote:

28) All above my communication forwarded to Mr. Kewin D’souza by following e-mail.
Subject: Fwd: Complaint No.:71515765, MP[protected]
To: [protected]@spectramotors.in

Dear Mr. Sunil D'Souza,

For your information and necessary action.
Thanks
Pradeep Nathani

29) All above series of communication is forwarded to Maruti Insurance.
[protected] Forwarded message[protected]
From: Pradeep Nathani <[protected]@gmail.com>
Date: Fri, Nov 6, 2009 at 4:28 PM
Subject: Fwd: Complaint No.:71515765, MP[protected]
To: [protected]@maruti.co.in

Hi,

Please look into the matter seriously and let me know your opinion, advice.

NOTE: Till now I have been not communicated by Royal Sundaram in writing for not accepting my claim.
My car is at Powai Auto Works since last 4 days.

Awaiting for your quick reply.

Thanks & Regards
Pradeep Nathani
=============================================================