Claim Settlement Dispute Resolution

In West Bengal, you may consider the following steps:
- Review your insurance policy to understand the terms and conditions for claim settlements.
- Gather all documents related to your claim and the valuation of the vehicle.
- File a formal complaint with the Insurance Regulatory and Development Authority of India (IRDAI).
- You may also consider approaching the Consumer Disputes Redressal Commission for further assistance.
Would you like any more specific information or guidance on this process?

To proceed, you can follow these steps:
- File a complaint with the Insurance Regulatory and Development Authority of India (IRDAI) using their online portal.
- Approach the Consumer Disputes Redressal Commission for resolution.
Would you need help with drafting a formal complaint or understanding the process further?

It sounds like you need assistance with drafting a formal complaint. Here's a general outline you can follow to file your complaint with the IRDAI:
- Subject: Complaint Against Claim Settlement for Total Loss of Vehicle
- Details: Include your policy number, claim number, and the date of the incident.
- Complaint: Describe the issue, including the offer you received, your concerns about fairness, and the delays.
- Resolution: State the resolution you seek, such as a higher settlement amount or repair of the vehicle.
- Attachments: Include all relevant documents (e.g., claim documents, communication with the insurer).
Would you like a more detailed template for your complaint?

Here is a more detailed template for your complaint:
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Subject: Complaint Against Claim Settlement for Total Loss of Vehicle
To: Insurance Regulatory and Development Authority of India (IRDAI)
From: [Your Name]
Policy Number: [Your Policy Number]
Claim Number: [Your Claim Number]
Date of Incident: [Date]
Complaint:
I am writing to formally lodge a complaint regarding the settlement of my claim for the total loss of my vehicle. On [insert date], I was informed by Mr. Santanu that the Company decided to accept an offer of ₹*.* lakhs from a buyer, deducting a policy excess of ₹*,*, resulting in the final amount payable to me.
I have concerns about the fairness of this offer and the process involved. The delay in processing my claim resulted in my vehicle being deemed a total loss. Had the decision been made timely, I could have repaired the vehicle and sold it for a higher value.
Resolution Sought:
I request the Company to reconsider the settlement amount by evaluating the fair value of my vehicle, rather than solely relying on the Insured Declared Value (IDV). Alternatively, I seek the repair of my vehicle.
Attachments:
- Claim documents
- Communication with the insurer
- Any other relevant documents
Thank you for your prompt attention to this matter.
Sincerely,
[Your Name]
[Your Contact Information]
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Would you need further assistance with the submission process or any additional information?