25% deduction from claim amount due to not conducting spot survey is legal or ille

1. 

   V9DBANSAL
   

   junior member
   Joined: Sep '09
   Posts: 6

   Reputation:7

    

   R/Experts
   My loss was assessed as Rs. 172000/- but claim cheque was given for Rs. 1,22,000/- by saying that there is rule/clause of 25% deduction if insured had not arranged spot survey of accidental vehicle.In my case spot survey was not conducted because my truck was got accident in a jungle of Bihar and there was every apprehension of every type of loss to life etc. so we remove the vehicle from the spot .Kindly suggest

   Posted 1 year ago #
2. 

   devanand
   

   senior admin
   Joined: Jun '09
   Posts: 94

   Reputation:97

    

   For the reason of non-compliance of policy condition/ warranty, claims can be settled on non-standard basis i.e 75% of the assessed claim amount is paid by the insurer.

   Also note it is the discretion of an insurer whether at all to pay or not for the claim where there is any breach of policy condition, if they decide to entertain the claim it is generally processed on non-standard basis.

   However, in your case it was demand of the situation and compulsion for you to remove the car to avoide further loss to the insured vehicle or "Total Loss" of the vehicle and safe guard human life and not intentional that the spot survey was foregone.

   In view of the above, you can make a personal as well official representation to the grievance department of the insurer with your contention for their review of the claim.

   IBS

   Posted 1 year ago #
3. 

   V9DBANSAL
   

   junior member
   Joined: Sep '09
   Posts: 6

   Reputation:7

    

   Thanks Sir

   Posted 1 year ago #

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