Claim declined without any proper valid reason

kkuma90

New member
Policy Name
MOTOR PRIVATE CAR (PACKAGE POLICY)
Company Name
SHRIRAM GENERAL INSURANCE COMPANY LIMITED
Customer Care Number
18001033009
Loss Amount
20000
Ratings
4.00 star(s)
Opposite Party Address
10019 - Address:- E - 8, RIICO INDUSTRIAL AREA SITAPURA -JAIPUR RAJASTHAN 302022
Dear Sir/Madam,

I am writing this email with serious concern regarding the rejection of my motor insurance claim under Policy No. 10019/31/26/081370 (SHRIRAM GENERAL INSURANCE COMPANY LIMITED) for my vehicle (Vehicle No. HR81C8199).

My claim has been declined on the grounds that the damages are "old". However, this conclusion is completely incorrect and unjustified.

At the time of claim submission, I had duly provided:

  • Clear photographs of the accidental damages
  • Pre-Inspection (PI) photographs taken at the time of policy issuance
  • All required claim documents as requested by your team
The PI photographs clearly establish that the vehicle did not have the alleged damages prior to the accident. Despite this, my claim has been rejected without providing any proper technical justification, comparison report, or surveyor findings proving that the damages were pre-existing.

I request you to kindly re-examine my claim along with the submitted photographs and provide a detailed written explanation supported by evidence if you still intend to deny liability.

The arbitrary rejection of my genuine claim has caused me financial loss as well as mental harassment. I hope the matter will be resolved amicably at your end. Failing which, I will be constrained to escalate the matter before the Insurance Ombudsman and appropriate legal forum.

I request you to treat this matter as urgent and respond within 7 days of receipt of this email.

Thanking you.

Sincerely,
Krishan Kumar
8901499562
10019/31/26/081370
 

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