How Insurance claim work for car - Total loss - Constructive total loss - IDV -Claim explained tamil
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- čas přidán 27. 03. 2022
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In this video a detailed explanation on insurance formalities of claim.
Enjoy the Video till end.
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/ birlasparvai
Contact us : birlasparvai@gmail.com
#carinsuranceclaim #cartotalloss #constructivetotalloss #carinsurance #caraccidentclaim #birlasparvai #birla - Auta a dopravní prostředky
Recently, my car (2.5 yrs old 🙁) met with an accident and insurer declared as total loss. My IDV was 5.3 Lakhs. I received total of 5.29 Lakhs. 1.5 Lakhs received from Scrap dealer, remaining amount received from insurance. you are entitled to receive almost full IDV. Pls read the insurance terms and conditions. Also, if car is getting repaired for major accident and even if you have B2B, you may need to shell out significant amount for some parts including salvage + consumables. Some of these can be covered using add-ons. If your car is less than 5 years, you may consider RTI (Return to Invoice) cover
Number boss I've some doubt
Hi for total loss, self driven N no third party injury.. Is the fir required or csr will do from police station
Intha car entha year model, intha damage ku evlo claim kidachuthu and entha scheme la claim pananga, idv value nu particular ah intha specific car ku details soninga na engaluku inum informative ah irukum. Guess pana easy ah irukum bro
You have explained the claim process nicely at macro level even for an ordinary man to understand. But the most important things are to be understood by every body is to know under what circumstances, claims are not payable and / or insurance companies are trying to reject claims including exclusions and policy conditions. You can explain as to why insurance companies trying to reject or how to get the benefit of doubt in claims etc.
Apart from this No Claim Bonus (NCB) is also an important topic to explain and how car dealers are trying to cheat by over charging insurance premium etc are also very important to save lot of premium.
Informative and clearly explained as always... 👍Jus few points to add, idv value range is presented by the insurance org based on the current ongoing value of the veh model thus we get a range with increase in premium amount as u said.. and percentage cover for electric accessories, nuts bolts, engine, glass everything changes bw insurer 2 insurer ... Zero dep ins cover too would have the claimer to pay atleast 5-10% processing charges, most ofem don't do it with 0% support...
Very informative expecting more on insurance especially what is the process when you take insurance from other companies other then advised by showroom
Nice video and informative bro. Hope to continue like this. Bro try to put video related on RTO rules ,managing the traffic police, dos and don'ts etc which will be more helpful for beginners like me. Thanks in advance bro
இன்றைய முக்கிய தேவையான வீடியோ.......
வாழ்த்துக்கள் அண்ணா
Your video is informative and deserve lakhs of 👏 claps..
Just want to know if a car held in a accident as a rider what should he or she do..explain me the procedure.
Really good work and efforts by Birla bro. The way you explained is easily understandable.
Hi bro, as usual very useful content 👏🏻👏🏻👏🏻. One request Bro, kindly share the video series of things not to do while driving or things not to add as modification... It'll be helpfull... Thanks in advance
அருமையான தகவல் இதில் இன்னும் நிறைய விளக்கம் காரின் உதிரி பாகம் + உடையும் பாகம் ஆனால் காரில் பயணிக்கும் நபர்களுக்கு எந்த மாதிரி உதவி கிடைக்கும் மற்றும் எதிர் நபர் விளக்கம் நன்றி நண்பா
Superb video.. Good info. You can also add content on transferring existing NCB present in the insurance to a new insurance while selling the car thereby reducing the cost of insurance while purchasing the new car
Nenga soli kudukra method super na jus now driving kathukren sir driving schoola ungala padhi alavu kuda soli kudukala sir unga videos sema useful unga instruction follow pani bror vachi kathuka poren sir. Nenga driving school vacha evlavo beginners interestoda kathukuvanga sir inum neriya video podunga sir
Car unmaiya necikuravunga mattum than iepadi pasuvanga Anna all ways great unga ovu our videovum cara pathi step by steppa supera iruku
Perfect content , we need more videos on this content
Super Birla bro 😍🔥 innum neraiya details insurance pathi video podunga bro 👍
En car accident aagiyum ipo varaikum intha details lam theriyathu...... Nice informative video.....
Useful video...Waiting for upcoming videos about various insurance understandings
Unga Video Ellam Super broo💯💯💯
Mostly anticipated video...good work birla..
Useful content expected prolonged thank u
Thank you so much Bro. you have now resolved the confusion I had for so long
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Thanks Anna for sharing useful information
Great video sir .. i didn't this information before .. expecting more on this subject sir
really waited fir this info birla sir thank you very much..... please do more on these topic like how to choose a good insurance company , is it better to register ourselves on new vehicles or let showroom people do the RTO and insurance work.. thank you sir.....
Birla sir... Very important and informative subject..thanks
Useful Information ❤️
Thalaivaaa
Thanks for sharing this various useful information related to Vehicle insurance claim.
Dear Birla, Thanks for the video , could place a video for users first action if comit any accidents inroad, and what are the bacic safe action with related further formalities step by step.Best regards.
Very useful information thank you very much sir
Today Topic romba useful la irukum sir...🙃🙃🙃🙃🙃🙂🙂🙂🙂😊😊😊😊
நிலையான தெளிவு கிடைத்தது நன்றி
information is wealth sir🙏 wonderful video..
Super sir... Covering out of car review topic.
Hi bro, There is lot of add on coverages available in insurance for motor policy, few important add-ons are Nil depreciation, Return to Invoice, Key clause, Consumables. These are important one and extra like ncb protector, engine protection, windshield protector, loss of bagage, etc......
Super bro💥👌👏👍🙏
Super thalaivare ethirpatha video
Insurance categories and it’s understanding is an art. Situation and the lessons from it will give better understanding.
Hi Bro,
This is really valuable information. Thanks
Good topic bro. Do with details information without any brands
So many add ons now available, but owner has to choose which are necessary for him, because everything adds to cost of insurance. Common ones are Bumper to Bumper, Consumables, Return to Invoice. While bumper to bumper and consumables serve you almost 100 percent of claim cost Return to Invoice is useful when total vehicle is lost due to theft or burglary, where you get.100% idv plus some registration and RTO cost. Tyre and Rim Protector is useful for high end cars
If you purchase on loan you can cover EMI cost also in insurance. Also pets can be insured while on travel as add-ons.
Good informative content... Keep up good vlogs... ❤️❤️❤️
Let me say some info I know
Third Party: Your vehicle is not covered in insurance but if you hit any other vehicle they will claim from that specific insurance.
Comprehensive: Both your vehicle (Own Vehicle Damage) and the opponent (Third Party) vehicle will be covered.
No Claim Bonus: If you have not claimed any insurance on that particular vehicle then they will give you some discount on Own Damage Component.
NIL Depreciation: No Depreciation on the Vehicle
Bumper to Bumper : All Parts of the car is covered.
Co Pay: Amount you have to pay when you do a claim (You can reduce the insurance Cost by increasing Co-Pay but every claim you have to pay the copay amount defined)
Return to Invoice: Incase of Total Damage like said in the video you will get the amount of Car Quoted in the Invoice.
PA Cover: Personal Accident Cover.
Pillion Rider Cover : Covers the Person who is sitting behind the vehicle.
Helmet Cover : Covers the cost of Helmet in case of lost/Stolen or broken in a accident.
IDV Value : Insurance Declared Value (that is you have declared the amount or cost of the vehicle - This can be underwriting: Below vehicle Cost or over writing: Over Vehicle Cost )
There are many more components which can be explained but it will confuse hence I am stopping here.
Super 👍
How to get return to invoice in our insurance?. ! We can buy this cover during our purchase Time only or anytime?
Thanks for the details, bro.. Wish to know more on, whats the procedure a) if someone hit our car and it's their mistakes and b) if we hit someone's vehicle and there is collateral damage.. Can we move out the vehicle or need to wait until traffic police comes? Do we have to file FIR ? How much we need to collect as money (considering the NCB becomes void as we are going to claim and even IDV will get reduced during next renewal) if it's their mistakes?
Educative video. Thank you sir.
அருமையான தகவல் தந்ததற்கு நன்றி
Please also provide knowledge to scrape old cars. Thank you
Super anna romba nala intha doubt iruthu thu
Very informative bro. Thanks
சார்
நான் ஓரியண்டல் தேனியில இருக்கேன். நீங்க சொன்ன அத்தனை கான்செப்டும் புரியற மாதிரி தெளிவா சொல்லி இருக்கீங்க. மிக்க நன்றி.
கிளைம் செடில்மெண்டுல வொர்க்ஷாப் காரங்க கொடுக்கிர எஸ்டிமேட்டுல எந்த எந்த ஸ்பேர்ஸ் மாத்தனும், எந்த எந்த ஸ்பேர்ஸ ரிப்பேர் பண்ணி போடனுங்கிர விசயத்த இன்சூரன்ஸ் சர்வேயர்ங்கிர டெக்னிகல் பெர்சன் தான் முடிவு எடுக்கனும்.
மேலும் முதன்முதலில் கொடுக்கப்படும் எஸ்டிமேட்டில வண்டிய பிரிச்சு வேலை பார்க்கும் போது தான் ஒரு சில அடிப்பட்ட மாத்த வேண்டிய அல்லது ரிப்பேர் பண்ண வேண்டிய சாமான் இருக்கிறத வொர்க்ஷாப் காரங்களே உணருவாங்க. அப்போ அவங்க அதற்கான சப்ளிமெண்டரி எஸ்டிமேட்டப் போட்டு சர்வேயர்கிடட் டிஸ்கஸ் பண்ண பின்னாடி தான் அடுத்து அந்த வேலைய முடிச்சு பில்லு கொடுக்க வேண்டும். இங்க தான் பல இடங்களில பிரச்சினை வருது. நல்ல செடில்மெண்டுக்கு வொர்க்ஷாப், ஓனர் மற்றும் சர்வேயர் இவர்களின் கூட்டு ஒப்புதல் அவசியம். நடைமுறையில் இவ்வாறு நடப்பது அறிதாகவே உள்ளது.
Nice topic brother... Much required
பயனுள்ள தகவல்கள் நன்றி
Painting 87.5%
Plastic and rubber 50%
FRB parts 70%
Glass 100%
Metals as per the age depreciation calculated
Above amount given by insurer
Very useful information sir 👍😍
Super topic sir ..pls continue
🔥🔥😎நல்ல தகவல் அண்ணா😍😍
I'm a regular viewer of your channel. But unlike other videos, in my opinion, this video is incomplete. You could have also explained add ons like Return to Invoice, Nil Depreciation, Engine and Transmission Cover, consumables Coverage, Daily cash, etc,..
Also i believe in constructive total loss, the amount settled is not mutually agreed amount, but the IDV or the ex-showroom price, if it has RTI cover.
Yes... Want another detailed video
Put a video about insurance companies (Private or Govt) like which one is better to go and easy to approach... While renewal what are the things and packs are mandatory?
Bro, please add video for RTO registration by owner and insurance which one to go first.
Best informative channel
Wish to know more on, whats the procedure a) if someone hit our car and it's their mistakes and b) if we hit someone's vehicle and there is collateral damage.. Can we move out the vehicle or need to wait until traffic police comes? Do we have to file FIR ? How much we need to collect as money (considering the NCB becomes void as we are going to claim and even IDV will get reduced during next renewal) if it's their mistakes?
insurance பத்தி இன்னும் நிறையா சொல்லுங்க bro....
✨ Thank you sir very useful video ✨
Hi Sir,
Please do a review on Toyota Glanza 2022 model.
Seriously very useful video
Sir please explain rebalt tyres pathey sollunga car ku rebalt tyres use pannalama pannuna enna aagum oru video podunga niraya taxi drivers ku use fulla irukum
Super content thanks to God
First comment... Keep rocking ❤ 😎
For Driving school, any special clause to be applied for insurance? Bcaz those car need an addition set of control pedals for clutch and brake for tutor ti control...any idea for you?
Very useful information
Eyeopener for me one of my friend bought a new i20 and opted insurance out side showroom through which he saved 40% insurance amount compared to showroom and able to put 100% IDV value
Useful video bro🥰💯
Nice explanation 👌
Very useful info bro😍
Sago, pls explain about exchange car after facelift....for example Customer took Baleno 3 years back and now after facelift company calling for exchange with New Baleno...How it works and what is the process???
Nice video sir waiting for next video Post
Useful Information sir
Yes bro good information tq.
Boss, how to transfer name in used car insurance.. Please put a video on this..Most of us expecting this from you.
Shall we continue the older one or need to change the name
Bro kindly make a video of upcoming sub 4 meter SUV
IDV is the value depreciation governed by IRDA, if you declare more value than the IDV by IRDA, in case of total loss or theft, you will receive only IRDA prescribed IDV, so calculate the premiums on IRDA depreciation. there are many who pay premiums for more higher value, but what at the end you get is only IDV by IRDA.
Need a detailed insurance video from you
Most needed video
Pl put the video how to findout if car get puncture especially tubeless tyre while driving
Very nice information
Second hand car s vankum potha yanna pakanumu ,yanna papers vanum,yanna forms vanum ..etha pathi ora video podaka...sir
We excepted further videos related to car insurance....
Hello sir, please explain about the insurance claim when some body hit our car. How insurance work in that case. Mostly the insurance looks like a black area and feel like customers are getting cheated. So please explain what the procedure we need to follow when somebody hit our car and he ran.
Good explained sir
2012 and 2014 eartiga diesal madum OLX and 2 hand 6 laks 7 lasks solurangala athu matum ya Avalo rate soluranga EPA antha modal stop panitanga but iruthalum on road yavlo varum
Make video about the FC, insurance lapsed
Just assume, that accidental car has a big panoramic sunroof. How many percent of chance for the driver and passengers can survive?
Anna best car for taxi nu oru video potunga
While National highways driving, it is possible some vehicles are parked on roads due to repair,. If it is parked in s bends or in curves, how to avoid such parked vehicles from crashing when you see suddenly on curves?
Video 👌👌👌👏👏👏 அண்ணா...
திருடு போன காருக்கு எப்படி Claim பண்ணுவாங்க...
Accident ஆகி கார்ல போறவங்களுக்கு ...
எதிர்ல அடிபட்டு இறந்தவங்களுக்கு Cliam பண்றது...
Third party insurance இந்த எல்லா Details ம் சொல்லுங்க 👍👍👍🤝🤝🤝
Info super nanba
Good job Bro👌
Very important topic
Very very good , we all need it, for me they didn't pay me even single Re. All are ----------- . While paying the tax they promise everything, but at the time of climb, they say new new reasons .
Nice information bro
good information you are welcome
Nice effect bro 👍