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Don’t get caught with Uni*n Assur*nce motor insurance fraud


Yatcar

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First time poster but long time reader. The forum helped me a lot so I am sharing this experience to prevent any more innocent soul end up like me.

These are the step by step details of  what happened.

  1. My car hit a wall, signal lamp and side panel was damaged. I called the hot line and they sent an agent. The agent done the inspection and stated he could not provide a decision and assessor would tell how to proceed after his inspection.
  2. I admitted the vehicle to a garage, the assessor came and inspected. He amended some amounts in estimate done by the garage then he asked us to proceed with the repair. He changed the amounts in the estimate sheet, signed it and gave it back. (can I upload it here ??)
  3. I completed the repair, paid the garage and called the call center then another person was send to inspect the vehicle and salvages.
  4. I called the call center and they told everything was done , I could take car home and submit the claim with required documents.
  5. I went to Uni*n  head office to  submit the documents. NOW THE FUN BEGINS .>>>>>>>>>>>>>>>>>….The lady in front desk  asked whether I have paid the garage ,as soon as I said yes she told there is an investigation and they cannot proceed the claim until the investigation is completed. Please note that this is the first time I was informed about any doubt from their end.
  6. I demanded to see a manager, I was escorted to Assistant Manager – Claims. I asked him why I was not informed about investigation until the repair is done and the fact assessor approved the claim and asked me to proceed. He in half threatening manner told me that process  was like that and I should understand that.
  7. They sent a letter stating the claim is not approved.
  8. I am going to send an appeal.

 

ANY HELP AND SUGGESTION FROM EXPERTS ARE HIGLY APPRECIATED.

 

PLEASE DO NOT GET DECIVED BY THIS MAFIA COMAPANY..if anyone needs more information I am glad to provide…

THANK YOU ALL….

Edited by Yatcar
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File a complaint in Insurance Board and they will help to get you justice, I remember reading a similar thing here before. More info can be obtained from our fellow auto lankans as I do not know the exact info such as address and procedure.

Edited by AJ84
Mistake
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Did they tell you in their letter why your claim was rejected? According to my observations almost all the insurance companies try to either reject or delay your claim to some extent unless of course either you are a person with distinguished social standing or you have an internal contact . Given the irregularities/inconsistencies in the claim process I am not surprised at their behavior. 

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6 minutes ago, Rumesh88 said:

Did they tell you in their letter why your claim was rejected? According to my observations almost all the insurance companies try to either reject or delay your claim to some extent unless of course either you are a person with distinguished social standing or you have an internal contact . Given the irregularities/inconsistencies in the claim process I am not surprised at their behavior. 

Fully agree. Unless they are afraid of your social standing most times customers are inconvenienced. Competition is such that insurance agents do whatever  things to secure the business. No one thinks about what happens in the event of an accident or when renewal comes. 

When my wife obtained a quote for her Vehicle and from what i can remember it was some where around 66K from H*B assurance. When i checked several covers were missing such as Air Bag cover, windscreen cover etc. and in the end premium was 116K Imagine getting into an accident and getting the claim for air bags rejected.

So i think people need to be extra careful when doing insurance going for cheapest premium. Also make sure you get it from a trustworthy and professional agent. I have gone through all major insurance companies and several agents and had enough problems and finally settled with SLIC/c******o through the person who handles my company corporate insurance account.

Also get the contact of a higher authority and directly speak or correspond with them as those jack*ss assistant managers/managers try to bu**sh*t their way out of trouble. Keep all communications with the insurer from complaint level. Even going to the extent of recording the conversations.

I know few people complaining to the insurance board and sorting things out, though it will take some time. I also know two people who staged a picket in front of J**as**k**i and A*A when claims were rejected.

Also check if Consumer affairs authority has a say in this (Im not sure) and it would be safer if you take a knowledgeable lawyer with you for discussions and send your correspondence through the lawyer.

Hope your issue gets sorted out.

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Thank you all for your kind  responses.

AJ84>>>>yes already drafted a reply letter stating my intent to proceed with insurance board.

Crosswind >>> Yes .I read the thread long time ago. Will follow that also.

Rumesh88--They stated that they have done a comprehensive inspection and according to that the accident description does not match with the damage. My issue is no person other than initial agent and assessor physically inspected the vehicle (and the assessor approved the request ) ,how a comprehensive study is done without physically inspection the vehicle ..I have requested them to provide the details regarding inspection .

Quiet. -- I am ashamed to agree but the truth is I became greedy. I was with Sri Lank* and Celync* VI* getting good service ,then last year wanted to save some bucks in premium ,,my bad. and lawyer thing ....Yes I see ...have few friends who are corporate lawyers will check with them.

I called my agent in branch and he told he would help so I am going to wait until tomorrow and send my response letter.

Following is the letter I am going to send to Uni*n Asur*nce..>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

Dear sir,

Appeal regarding the accident claim

Vehicle No – xXXXX

Claim No – xXXXX

I have received the letter detailing your decision regarding the above matter however I am unable to agree with the provided decision because of the following points.

01.The claim was approved by the assessor and he provided the consent to proceed with repair. I was not informed any doubt from your part until the claim is submitted.

I have properly informed the call center after the accident happened and as per the instructions of the call center as well as the agent (who initially inspected the case) admitted the vehicle to garage. Thereafter the assessor has done the physical inspection of the vehicle and he has given his approval for the claim (the signed sheet is attached here). Hereafter for each step I have called the call center and acted per their instructions  and claims division, at no point I was informed about any doubt regarding the approval (please refer recordings of my calls). I have started the repairs because the claim was approved by the assessor. Please provide me proof of any communication provided by Uni*n Assur*nce..in contrary to that approval by the assessor. I believe if Uni*n Assur*nceis unable to make payment or need to conduct an investigation customer should be informed before he started the repair process but the information reached to me only after the repair is completed, which I considered as unfair conduct.

02.No comprehensive inspection was conducted

Your letter states that you have done a comprehensive inspection regarding the matter however as per my knowledge only the agent and assessor has inspected the vehicle and assessor approved the claim after inspection. I cannot understand how a person conduct comprehensive inspection without physically inspecting the vehicle therefore I am not satisfied about the mentioned inspection. Please provide me the details of inspection and the process you followed when arriving the decision.

 

I strongly believe that due to above two matters your decision is unfair hence I kindly request you to reconsider your decision and provide satisfactory explanations for mentioned points. Please note that if I do not receive a reasonable reply I am fully intend to escalate this matter to SL I******* Board .

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

any suggestions guys ?

 

Thank you again for the kind help and your time

Edited by Yatcar
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@Yatcar

Please include in your letter  the dates when the events took place. ie when the agent and assessor inspected the accident,  you were told to proceed with repair, the repair was completed, the claim submitted and the date of the letter (on the first line of you letter) from them. In between if you contacted the Call Center mention those as well.

On point 2 above why do you claim that they have not done a comprehensive inspection? That's not a valid point. The point you should press ahead is that other than the two visits by the agent and assessor in your presence there has not been any other inspection. If they did so without you knowledge then ask them when and where such inspections were done. Those who did the inspection agreed did not claim a discrepancy. The point that holds water here is that they did not inform you of any anomaly in the claim before you submitted it.

I case if you take the matter up with the Board the contents of this letter would be the main reference hence I suggest to get it vetted by a lawyer.

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just dwell on the point that an assessor and an agent did a comprehensive inspection of vehicle and approved the estimate and also informed you to proceed with the repair. In my opinion that implies that a authorized personal of the company has given you consent to repair the vehicle 

an as suggested check this with an experienced lawyer

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Do you have any document to prove that that the assessor instructed you to proceed with the repair? Something with on their letterhead or even a signature form the assessor? 

Worst case scenario you will have to go to the insurance ombudsman. 

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The stig ...

Thank you for checking .

No letter head but i have the estimate amended by assesor with his signature and date .

My other point is even after the assesor came I have called several times to ask instructions but at no point they have communicated anything .One agent came and done after repair inspection and salvage inspection ..can I consider that as implication of consent from their side?

Thank you again for the help..

Edited by Yatcar
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