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Re: Bike Totalled
IMO
1) get the repair estimate from the bajaj service center if the estimate is 85% or greater then you need to ask for total loss.
2) for a 1month or less bike the total loss value will be equal to IDV if you being offered lesser file a suit at IRDA applets and with in 30 day they will settle
3) tell the alto guy that different he ends to fund else you will upgrade the case to hit and run. Considering his age he should not have a license and if he does have a valid one it should be validated and renewed every 1 or 2 years with eye checkup and all am sure he hasn't done this ( typical in our country). Add you hospital charges to this claim without fail.
follow the above 3 and you should end up getting 90 of the bike OTR and your hospital claim put together.
remember that it's the surveys job to beat you down and companies like reliance bajaj and royal sundaram are good at beating down people. So be smart don't back down say them to offer the settlement in writing and you will dispute it in IRDA applet they will slowly increase the amount.....
IMO
1) get the repair estimate from the bajaj service center if the estimate is 85% or greater then you need to ask for total loss.
2) for a 1month or less bike the total loss value will be equal to IDV if you being offered lesser file a suit at IRDA applets and with in 30 day they will settle
3) tell the alto guy that different he ends to fund else you will upgrade the case to hit and run. Considering his age he should not have a license and if he does have a valid one it should be validated and renewed every 1 or 2 years with eye checkup and all am sure he hasn't done this ( typical in our country). Add you hospital charges to this claim without fail.
follow the above 3 and you should end up getting 90 of the bike OTR and your hospital claim put together.
remember that it's the surveys job to beat you down and companies like reliance bajaj and royal sundaram are good at beating down people. So be smart don't back down say them to offer the settlement in writing and you will dispute it in IRDA applet they will slowly increase the amount.....
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