I had purchased a car Insurance through ICICI Lombard in Jan.2007 for my New Skoda Octaviathrough Gurudev Motors, Chennai.
I had paid the full comprehensive premium of around Rs. 45, 000/-
When I had a small accident in June I had submitted a claim for the sme to ICICI Lombard through the company garage where it was repaired.
The inspector for the insurance company after inspecting the vehicle asked me to submit 2 claim forms as the 2 side view mirrors have been damaged.
I explained graphically how I was sandwiched between 2 cars whilst overtaking at the time of the accident and he refused to accept my reasoning.
Not only the company paid 50% of the material cost for a 5 month old car they had denied payment to one of the mirrors.
The material loss of Rs. 4000/- was very small compared to the insult of calling me a liar.
I had thought about legal action but decided against since the hassle is not worth it.
Obviously they will not get my clientèle next year.
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