insurance company refusing Transfer of motor insurance

Posted on reddit by u/speckinadot , reposted for reference

The insurance company has refused to transfer the ownership of motor insurance after the vehicle was sold. New RC has been issued by RTO. The insurance company after asking for the required documents did an online vehicle inspection. It asked to upload the pictures of vehicle. It rejected the vehicle inspection on the grounds that there are dent/scratches in body and in one of the picture full body of vehicle is not visible. There is no dent or scratch (vehicle is 3.5 years old, some wear is expected but not something requiring repairs). Though some paint peeled in small space. I want to ask, can insurance company refuse to transfer the insurance to new owner. Since the insurance is valid for next 6 months, how can they refuse to transfer the ownership, in effect deny coverage which they are obligated to. Thanks

Claiming Insurance where Fortuner hits Hyundai Verna car in Gurgaon

Many car owners find that their car is damaged because someone has hit it, and getting insurance for repairs is difficult, the problems faced are discussed below.

From reddit u/Algaav_wadi
socially distant…kab se

today, on a busy road this guy bangs into my car real bad and damaged the trunk – the guy said will only give me insurance filing charges. And when I was being assertive, he called a lot of guys at the scene. Hyundai bodyshop says it’s at least a cost of Rs 30-40K, if I claim insurance my cost will be Rs 3-5,000 + filing charges. What should I do/have done? He offered to pay Rs 1,900, the insurance filing charges and Police backed him up. I didn’t take 1900.

Here’s the story…. sorry, most of this will be a rant as I am super pissed at this point.

On a very busy street in Gurgaon, I am driving at the speed of max 20 kmph I am there with my wife and we just dropped our two year old son at his play school. There is decent traffic on the road and suddenly this guy (lets call him L) in a Fortuner car, banged into my vehicle, he must have been driving at least at the speed of 60+. Shaken and in shock me and wife come out and see this ~20 year old kid driving and his friend of similar age with him, I shouted at L which visibly made them angry. The other guy came out and told me to shut up unless I wanted a thrashing. This really shocked me as I was expecting an apology, they seemed to be from rich families (judging from clothing, car they were driving).

After the initial shock, the reality hit me (remember I just dropped my son – what if he was there in the car seat behind), that impact would have hit him hard) looking at the initial reaction, my first thinking was to avoid the conflict + I was also in a hurry to be at my work. I told L to pay for my damages and I’ll be on my way. But then suddenly this third guy, who was not in the car came and started yelling at me & asked me not to bother them. His statement “road pe gaadi chalegi toh lagegi hi – T: when you bring the car on road, it will get hit”… just then I noticed a series of cars stop near us- more young and healthy guys emerging out of them. This was at 12pm in the day I wasn’t scared but all of them circling around me made me uncomfortable. Looking at this, I called the police helpline.

While all this going on, I spoke to L that the Hyundai guys are sharing their estimate of the spend, it will be Rs 25-30,000 based on the video/pics I shared. By now, I was overwhelmed by the number of people surrounding us and arguing on behalf of the guy. L told me that they will give me only Rs 1,900 – filing charges for the insurance. I said I need him to give all the expenditure that I bear (why should I forego my no claim bonus for his mistake) + the filing charges. They were super aggressive and said no arguments, it’s 1,900 or I get a thrashing. Now here the Police enters & I feel relaxed, whatever their numbers, whoever they are – I am on the right side of the law right?…. right?

One of the police guy (lets call him A) joins the huddle & is immediately super harsh on me, I told him to take care of the crowd first as everyone was shouting at me. He didn’t bother to do anything about that. Then he started with the statement that I bothered them for such minor incident when the other party is till there to resolve amicably. I told him that their offer isn’t good enough. To that he said “ab kya aapko nayi gaadi dila dein” T”should they buy you a new car?”. He didn’t say a single word to the L.

I was so shocked, I tried to explain to him that I’ll be at a loss & he retorts “toh kya hua, road pe gaadi leke chalte ho, ye sab toh hoga na”. By now I was getting really late for work too… I said fine, just help me to get my damages if I make the insurance claim – 5-10k whatever it is (amount I have to pay as motor insurance doesn’t cover everything right). and the Police guy just started shouting at me for being greedy. He said that the other party has been gracious to offer Rs 1900.

And then, a couple of Mercedes stopped and some more guys came there, they seemed older & calmer than the young ones. Told me that the boy will apologize to us (the 1st sensible thing that came from the other party) but when I tried to ask them for damages, they declined and said whatever Police says, the police guy started shouting & gave me number of some thana/station guy if I was not satisfied. I declined the offer of Rs 1900. and called the station master – he said the same thing.

Now here’s my question 1: what’s the guideline here, I always thought the hitter should pay the whole amount, why should I waste my insurance/no claim bonus for someone else’s mistake?

Was the police right, just the filing charges are enough?

Question 2: What can I do next? Can I even do anything when the Police even won’t listen? I have name, picture, videos of the police guy for proof + pic/number of the car that hit me. The real shocker for me was: you wouldn’t believe how nicely he was talking to the other guys, and what all he said to me. When I tried to record him, he shouted at me, for creating a scene there.

Question 3: what could be the reason was it that the the police guy behaved the way he did? I can imagine that the other party was influential/local (they all spoke in Haryanvi accent and seemed quite rich).

Question 4: the other party was all driving super fancy cars, but weren’t willing to give me any money, the best they could offer was Rs 1900, what could be the reason for that? Is that some principal thing or just showing off the clout? If I hit someone like this… I’d pay them for damages without much thought and I drive a Verna, they were all in Mercs and BMWs.

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Please note that sindhi scammer school dropout naina premchandani, her scammer sons karan, nikhil, goan bhandari sunaina chodan, siddhi mandrekar , ruchika kinge, riddhi nayak caro and other government employees are not associated with the website in any way, since they do not do any work, do not invest any money, yet get monthly salaries only for making fake claims at the expense of the real domain investor due to massive domain ownership, financial fraud in the indian internet sector

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Please note that sindhi scammer school dropout naina premchandani, her scammer sons karan, nikhil and other government employees are not associated with the website in any way, since they do not do any work, do not invest any money, yet get monthly salaries only for making fake claims at the expense of the real domain investor

Increase in car insurance claims from kolhapur after flooding allegedly due to city’s policy of falsely claiming that school dropouts are experienced engineers

In most places the intelligence and security agencies have the honesty and humanity not to falsely claim that eighth standard pass school dropouts, least interested in studying are experienced engineers to get them cbi jobs

Only in the city of kolhapur, the intelligence, security agencies, politicians are extremely ruthless in their identity theft fraud on experienced engineers from poorer communities and have got the most shameless sindhi scammer kolhapur born school dropout naina premchandani, illegally married at 16, now living in panaji, a cbi job falsely claiming that sindhi scammer naina , who no engineering college would admit is an experienced engineer with a btech 1993 ee degree and are supported by fraud ntro/raw employees like tushar parekh, puneet
It is this policy of falsely claiming that scammer school dropouts like kolhapur’s role model scammer naina with no engineering training are experienced engineers which allegedly led to flooding in the cities

A large number of cars and other vehicles were also damaged due to floods ik kolhapur, and it probably led to an increase in the insurance claims from the city. If competent and trained engineers were handling the drainage systems, flooding may have been prevented.
Encouraged by the strong kolhapur support for her engineering fraud, now naina’s scammer sons karan, nikhil, are following her footsteps in committing fraud, falsely claiming to own this and other domains to get monthly raw/cbi salaries, when they do not pay any money for the domains, forcing the real domain investor being cheated, exploited to expose kolhapur’s support for the sindhi scammer family

Policybazar replaces health insurance ads with car and bike insurance ads

During the peak of the covid19 pandemic, policybazar was one of the top advertisers for health insurance on television channels.
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They claim that the car insurance for a Rs 5 lakh car can vary between Rs 15000 and Rs 6000
Hence they are asking people to compare prices before purchasing
Many people are purchasing cars because of the covid-19 pandemic.

Please note that this posted free only for information, and no raw/cbi employee is associated with the website, though they make fake claims since 2010 in a case of government slavery of small business owners, domain investors,

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This listing is free of cost, for information, from the mailer received . For free listing please send email to info@blogposts.in.
Kindly note that ntro, raw, cbi employees and their associates like 2005 bbm bengaluru brahmin cheater housewife nayanshree hathwar, panaji sindhi scammer school dropout naina chandan who looks like actress sneha wagh, her lazy fraud sons nikhil,karan, hot pant wearing dog owning goan bhandari sunaina chodan, siddhi mandrekar, riddhi nayak caro, asmita patel, indore robber deepika, ruchika kinge, greedy gujju stock broker asmita patel, goan housewife maria are not associated with the website in any way since they do not pay any domain expenses at all, though the indian and state governments especially goa, madhya pradesh, karnataka, haryana government are making fake claims DUPING domain registries, registrars and ICANN in a major DOMAIN, FINANCIAL FRAUD for the last 10 years allegedly bribed by google, tata to increase the profit of these companies. These frauds are not on talking terms with the domain investor yet make fake claims about her domains, bank account and get monthly salaries indicating extremely high levels of fraud, CORRUPTION, BRIBERY in the indian internet sector, labor law violation worse than the wistron iphone factory

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Car insurance articles for Sgcarmart, singapore

Due to indian, karnataka, goa government WRITING, FINANCIAL FRAUD fraud on her , he domain investor has written car insurance related articles for Sgcarmart,in singapore for their insurance directory through iwriter and was paid for the articles. For similar articles, please contact on email info@blogposts.in

Due to worsening status of educated women in india, especially goa, high levels of FINANCIAL FRAUD, CORRUPTION in indian tech and internet sector, the indian government is falsely claiming that its well paid lazy greedy liar google, tata sponsored employees in ntro/raw/cbi like slim goan bhandari sunaina chodan, who do not pay any money for domains, own the domains of a private citizen including this one to pay all these frauds a monthly government salary at the expense of the real domain investor,

These fraud raw/ntro/cbi employees are also blocking all advertising on websites, so it is not feasible for the domain investor, who is also a prolific writer to write free content for the website when she will not be paid anything . Iwriter profile details can be provided.

Greedy LIAR FRAUD raw/cbi employees pay more than Rs 10000 annually only for car insurance, yet refuse to purchase any domain names, block domain sales

One of the best indications of the extremely high levels of CORRUPTION, BRIBERY, FINANCIAL FRAUD in the indian tech and internet sector, is how Greedy google,tata sponsored shameless LIAR FRAUD raw/cbi employees pay more than Rs 10000 annually only for car insurance, yet refuse to purchase any domain names, block domain sales of a private citizen who is paying Rs 4-5 lakh annually for domain renewals for the last ten years

Google, tata,indian internet and tech companies are aware that the ntro, raw/cbi employees are not paying any money for domain renewals, yet the pathological liar fraud tech and internet companies led by tata are making fake claims about ROBBER riddhi nayak caro, animal asmita patel, sindhi scammer naina chandan and other frauds to get these frauds a monthly government salary at the expense of the real domain investor

Google, tata are aware that ROBBER EXTORTIONist RAW/cbi employees like panaji sindhi scammer school dropout naina chandan who looks like actress sneha wagh are driving expensive cars, have plenty of money to pay huge amounts of car insurance , feed cake to crows, yet being section 420 frauds and liars, indian tech and internet companies refuse to ask the GREEDY SHAMELESS fraud raw/cbi employees to purchase domains, including this one from the private citizen