Chennai Ombudsman Centre
Case No. : IO (CHN) 11.05.1200/2007 – 08
Smt. Sri Padma Priya
Vs
The Oriental Insurance Co. Ltd
The Complainant Smt Sri Padma Priya had obtained motor insurance policy in respect of her vehicle AP9 AJ 6679 from the Oriental Insurance Co. Ltd. The car met with an accident on 26.01.2007.
Spot survey conducted and insurer has not instructed for repair of the vehicle till March 2007. The insured had to shift her family to Vijayawada for personal reasons and took the vehicle with the insurer’s consent. She requested for a fresh survey at Vijayawada and since there was no progress, she had approached the forum.
The insurer’s representative informed that category B surveyor was deputed for survey at Salem. Bagawan Motor works where the insured left the vehicle for repairs is neither an authorized service centre nor equipped with major accident repair facilities.
The insured insisted for settlement on a total basis and the insurer did not agree for the same since the assessed repair cost did not exceed 75% of the IDV. The assessment was for Rs.61,295/-. After the insured took the vehicle to Vijayawada, a survey was arranged by the insurer’s Divisional office and the assessment was more or less similar to the one carried out at Salem.
After perusal of all the records submitted, it was found that the delay in process of the claim was due to the insured not cooperating with the insurer at different stages of the claim process. In the light of the above, the insurer is directed to settle the claim as per the survey carried out by the surveyor appointed by Insurer’s Vijayawada office subject to policy terms and conditions. The insured is directed to cooperate with the insurer in the processing and settlement of the claim.
