My car insurance policy promised 100% accidental repair coverage with no depreciation last year. However, when I renewed the policy a month ago, the 100% cover was silently removed. After a recent accident, the garage refused to provide the promised 100% coverage, forcing me to pay out of pocket. What legal options do I have to get compensated for this loss and ensure my policy is reinstated with the 100% coverage?

Apni Law
Apni Law
Law Forum › Category: Insurance › My car insurance policy promised 100% accidental repair coverage with no depreciation last year. However, when I renewed the policy a month ago, the 100% cover was silently removed. After a recent accident, the garage refused to provide the promised 100% coverage, forcing me to pay out of pocket. What legal options do I have to get compensated for this loss and ensure my policy is reinstated with the 100% coverage?
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Apni Law Staff asked 2 years ago

My car insurance policy promised 100% accidental repair coverage with no depreciation last year. However, when I renewed the policy a month ago, the 100% cover was silently removed. After a recent accident, the garage refused to provide the promised 100% coverage, forcing me to pay out of pocket. What legal options do I have to get compensated for this loss and ensure my policy is reinstated with the 100% coverage?

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Best Answer

Apni Law Staff answered 2 years ago

You can approach the insurance company and dispute the removal of the 100% cover, citing your previous policy document. You can also file a complaint with the Insurance Ombudsman or IRDAI, alleging misrepresentation and unfair trade practice by the insurer.

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