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Insurance company denied my claim for lost phone what to do now
06-Feb-2023 (In Insurance Law)
Somebody has snatched my mobile (Samsung S6 Edge ) on 7-9-2016 nearest time is 3.30 PM at Adarsh Nagar, Delhi and had lodged a complaint in nearest police station. Police has registered a complaint in NCR vide S.O No. 430/2014, LR no. 853751/2016 dated 7-09-2016, time of report was 18.36 IST. We have informed the insurance company on the same date at 19.25 IST . They have issued the claim reference number is 2000063732. They were not responding over the phone after pursuing with them. Then, I have to visit branch office at Shivaji Marg, Delhi. After lot of pressure, they told me to registered the FIR. Then, very next day , I visited the police station , but they asked me to registered the complaint through E -police Station vide FIR no. NWD-AN-000322 Dated 10-9-2016. Thereafter , I had sent complete documents as required by the insurance company by courier. Now, the insurance company refuse to pay my claim. Many times, I have called them, but not interested to properly. What action can i take against them?
Consult a lawyer and then Send a legal notice to the insurance company and if the company still denies to pay the said money, you can move to a consumer court and initiate proceedings against the company. However, I will advise you to go through the clauses and terms & conditions of your insurance policy.
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Adv. Siddhant Sharma
Delhi | 500+ Answers
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Sir first of all please see if the policy of the phone taken by you entailed that the insurance taken by you covered the loss die to theft. If the policy covers theft and loss of phone then the same ought not to be repudiated on depositing of the required documents and completing the formalities. The grounds for repudiation have to be considered and if the same are arbitrary then a complaint under the consumer protection act can be filed against the insurance company which can help you get relief in a speedy manner
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Adv. Aditya Gupta
Delhi | 100+ Answers
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