This is the email I received from my friend today morning.
"I purchased this car Tata Indigo LX Diesel in July 2004 from Nawab Motors, Noida.Since then this car has been driven single handedly by me.The said car has been well maintained adhering to periodic service schedules that have been done only at authorized service stations (Nawab Motors, Noida, Rawat Motors, Peeragarhi, Delhi & Shah Motors, Noida)
On the night of 17th Feb 2010 Time 7:45 PM the car’s engine compartment caught fire when it was parked at Mayur Vihar Phase I opposite Acharya Niketan Market, Delhi.Once the fire was doused & after all formalities (FIR & Fire Force authority queries), the car was towed to Shah Motors, Noida.
Next day on evaluation of the car I found that the whole engine compartment was burnt along with the headlights & bumper.The car is under Reliance General Insurance coverage.Three surveyors had been employed by the company to assess the damage & on 8th March the surveyors informed me that the total expense for the damage is Rs 2.4 lacs, of which the insurance company would bear only 45% of the cost, as there is 60% depreciation in metal (5.5 Year old Car) & 50% on plastic parts.I have got approvals from the insurance company for repairs, but I asked the dealer not to take any action since I had raised the issue with the CEO of Tata, through an email.Mails in their forum started floating around & the dealer was pulled up.The dealer(Shah Motors) who was speaking in my favor all this while, changed his stance & sent me an email, marking the higher authorities at TATA as well, saying that I had missed 3 services (60K, 65K & 75K) & the wiring harness was tampered with, as I had installed auto cop & stereo system from outside which is not as per their specification.He also supported his claim by sending photographs quoting the cause of fire.I called him up & told him that the Stereo system & Auto cop were installed right from when the car was new & all the wires had been checked by his own service mangers when the car was serviced at their service centre 4 times (80K, 85K, 90K, 95K) & was cleared by his team.He had no answer to this.The photographs of wires shown by him were taken from the inside of the dashboard, which is not even burnt.
The Car when crossed 90K had a heating problem which was referred to the service incharge at Shah motors.They did a complete Engine Head Change & the total cost was around 30K.However the problem still persisted which resulted in 2-3 visits to the dealer for the top up job, post which the heating problem subsided.But soon another problem came up where, inspite of the engine being switched off & the keys removed, the AC fan, AC & headlights were operational.This was again referred to Shah motors, where it was diagnosed as a capacitator malfunction which was under the dash board.Changing the capacitator resolved the issue.
The car has covered 97000 KMS & I am contemplating on 2 choices.
1)Either I should get it repaired by pressurizing Tata Motors to pay for the expense, however they can come back strongly saying that I missed 3 services & the so called wire tampering has happened. Then I need to shell out 55%(Aprox) of the total 2.4 lacs & get this car repaired with 1 year guarantee on all new parts installed.
2)Get the insurance company to declare total loss of the car, considering the value of the car being 3 lacs by the insurance company, I need to get 2.7 Lacs as per rules, however as per the insurance surveyor (going by his experience) the insurance company may pay only the Market value of the Car which is anywhere between 1.5 to 1.75 Lacs.
I have not replied to the mail from the dealer, but in touch with the dealer on the total loss angle (nothing given in written) & in touch with the Customer service manager of the company. I have clearly suggested to the dealer I will not accept a total loss, if the insurance company pays less (planning to mail higher authorities in reply to dealer’s mail if things don’t work or also take the consumer court angle). Putting a lot of pressure on the dealer to use his contacts with the Insurance company to get me a good deal for total loss.
regds" |