My car met with an accident on 6th Aug 2010,when my wife was driving the car and one honda city suddenly stopped. My car and Honda City had a collision.


I have given my car for insurance claim/ repair for Capital Hyundai Noida 63 center and
Mr. Mehraz was my service adviser. At the time of submission he told me that on Monday 9th Aug'10 there will be first inspection of my car (My car is insured with TATA AIG), and then he will inform me the delivery date and approximate claim amount.

On Thursday,12th Aug'10, when again I called Mr. Mehraz to know about status, he told that by Friday I will be getting my Car.

But on Friday, when I called of Delivery time confirmation, he told me that there is some issue from Insurance side and which he was aware since monday.

As per them TATA AIG is not giving the insurance of same head light, although they are providing the insurance of Housing light which is almost RS 2000/- cheaper than the one which my car is having .

I would like to lodge a complaint against both the party who delaying my car delivery date.

Insurance covers damage that happens during the period of insurance coverage. It does not cover per-existing damage. To put a claim in for damage that did not happen during the time that the policy was in force is insurance fraud. This is a criminal matter, and depending on the cost of the windshield could even be a felony.To be covered for damage, you need to have comprehensive coverage on your policy, and if you do not want to pay anything, you will need to have a zero deductible.

Filing an insurance claim means that you have gone through an auto accident and that you need to claim your insurance benefit to get your car repaired for the damages. The usual process which you need to go through would be to contact your insurance provider as soon as possible after the incident. Assuming that no one was injured, then your focus would be to get your car repaired with the use of your collision coverage.