Hello bro mere car Aura full dameg 3 sal ka incornc hai 1 sal bhe nhi hua gadi ko Jo sarvey pr aya tha vo bol rha tha ke full PSA milega 7.30 to bro Kuch pse bhe cut Hoge ya pure milege 15 k company wale bolre ke hmko dene Hoge apko vo kse hai plz rep
Hello bro, I had purchased i10 nios on 23 may 2022. 3july ko meri gadi ka accident ho gya, accident majaor tha, company walo ne kharcha 4lac ka bataya and servayor ne gadi total loss mai daal dia. Ab issue y hai ki agency wale gate paas ka gadi ka 5% value charge kar rhe hai jo near about 33000 hai. Please guide kariye ki shi procedure kya hai because isme hme bhut loss ho rha. Ek tho hmari down payment 0 ho gye or abi tk jitni emi gye wo bi 0 ho gye upar se bank ko forecloser ka 5% charge dena hai. Tho please muge guide kariye ki is situation mai minimum loss k liye kya karna hoga???
Dekhiye jo bhi charges aapse liye jaa rhe hai wo ek dum genuin hain 5% jo comapany le rahi hai uss mein aap thodi bargain kr skte hain if jaan pehchaan ho toh .And bank ka toh fix hota hai wo dena hi hai aapko And ek kaam ye ho sakta hai if company se hi baat krein aap apni gaadi sell krne ki toh wo aapko thoda adjust krdenge because unn se jyada value mujhe nhi lgta aapko kahin or milegi.
सर मेरा कार 1 साल का शून्य डेप्थ खत्म हुआ फिर मैंने oriental का शून्य डेप्थ लिया कार ने नॉन cashless बोला मेरा एक्सीडेंट का 19000 का बिल् बना पर मैंने कैश 19000 जमा कर दिए जहां पर गाड़ी बनाई गई ।। अब ओरिएण्टल ने 12500 रुपया aproved किये ।।।यहाँ पर सिर्फ फाइल चार्ज लगने चाहिए थे।।
Kuch claims mein nutbolt ke paise aapko dene hote hain plus jo previous damage hota hai toh company uska 50% hi deti hai pr uske saath sahi kr deti hai toh wo sab milaa kr aapke 6500rs kaat liye honge
@@SanyamJaincar zero depth na ho to bhi saman to hmara hi h..and Digi bonnet change krne m 2.5 lakh 🤔 accident place se garage Tak gadi lane ka expense Kon deta h and bhar khi accident hua ho to gadi home town ATI h yha whi k garage m ?
Bro maine apni venue claim krane k liye daali h 0 debt par 50hazar ke new part pdenge... 1500 file charge 2800 aur mang rhe hain...pata nhi kis baat k toh hum complaint kr skte h kya inke against
Sir, meri swift me front and rear door pr rusting aa gyi he..mera zero depth insurance he..rusting pr to claim nhi dete I think to me accidental bata kr claim le skta hu? Aur usme sir file charge + nut bolt ke alawa rusting ke charges bhi add honge? Please suggest krie ki kese claim le skta hu Taki mere dono door change kra sku 🙏🙏
Total loss ka paisa lijiye coz after market theek krwa ke bhi wo waali baat nhi ayegi and aap usko use nhi kr paoge aache se nd resale bhi nhi milegi aachi + time waste hoga alag .
@@Asifkhan-ys5ug Dekho bhai total loss means gaadi bilkul hi khatam hai ab aap usko after market repair krwaoge toh bht cost baithegi and ussko repair krwane ke baad aap ko wo maza mushkil hi de payegi wo gaadi and jb usko resale kroge toh 2.5Lakh bhi mushkil se milenge coz saaf pta chl jayega ke accidental hai Toh I will suggest you ke 2.6lakh company se lelo and search for a used can iss budget mein ek average usecar mill jayegi aapko easily wo ek better optn rhega
@@SanyamJaincar aftr market to 160,000 me kr rhe he or meri car puri khtm nhi huy he but insurence company bol rhi he ke idv ka 75 % hi denge or authorize workshop me thik krvane ka khcha jyda bta rhe he
PSU insurers offer car insurance in least premium and have best claim settlement. They usually charge almost 40-50% less than getting insurance from dealers. Claim settlement ratio is a vague concept to measure efficiency of an insurance company. You should instead focus on amount of claim settlement by companies. Pvt cos are known for settling small claim very swiftly and are notorious for denying (on any flimsy grounds) or under-settling big claims. So they can easily maintain good claim settlement ratio despite having far lesser amount settlement ratio. PSUs have backing of govt and claim settlement is transparent and generous irrespective of the claim amount. They simple reason is: they have to strictly follow IRDAI guidelines and PSUs have social service as priority not brute profits. And now a days they match or even exceed the TAT( turn around time) compared to PVT companies. If you check the no of complaints against insurers in website of Ombudsman, Beema lokpal or IRDAI, private companies top the disgraceful list and govt companies are least tarnished. Now,the question arises why dealers or online portals / web aggregators don't prefer PSUs 1) Huge commission paid by Pvt cos to dealers and online web aggregators. So, they sideline PSU insurers and charge hefty premiums from unsuspecting customers so that they can enjoy mammoth share of your premium as commission, totally flouting IRDAI rules. 2) The dealers and web aggregators have to scrupulously comply with IRDAI guidelines while dealing with PSU insurers which will reduce any foul play or unfair practices which are meant for safeguarding customers against any fraud. Remember,if your claim is stuck by dealer or Pvt cos,you are nowhere to go but in govt companies, strict compliance saves any injustice. So dealers want monopoly in their hands not yours. Thus, you can draw the inference as to why PSU insurers should the only choice while buying insurance for your loved vehicle. The 4 renowned PSU/ Govt insurance companies are 1) UNITED INDIA INSURANCE CO. LTD 2) NEW INDIA ASSURANCE CO. LTD. 3) NATIONAL INSURANCE CO. LTD. 4) ORIENTAL INSURANCE CO. LTD. So, next time you buy a new vehicle,never purchase insurance from dealer instead approach PSU office and get cover for your vehicle. And whenever you renew your cover, do the same . Drive safe.
Ji sahi hai agr unhone body aapko dedi hai poori damaged car ki and aap thodi mehnat krke uss mein se jo parts sahi hain wo used parts market mein sell krke jyada bhi earn kr sakte hain
Your file charge thing. I have a different information as my brother is a Insurance broker and one of my uncle is retired GM from and Insurance company.
True word of ADVICE!! Thankyou
Meri creta ka 2nd insurance 65000 ka bol rahe h hdfc se maine 1 bar claim liya tha
Hello bro mere car Aura full dameg
3 sal ka incornc hai 1 sal bhe nhi hua gadi ko Jo sarvey pr aya tha vo bol rha tha ke full PSA milega 7.30 to bro Kuch pse bhe cut Hoge ya pure milege 15 k company wale bolre ke hmko dene Hoge apko vo kse hai plz rep
Great advice keep making these informative videos🔥🔥
how much time did the car take to repair in the workshop
Hello bro, I had purchased i10 nios on 23 may 2022. 3july ko meri gadi ka accident ho gya, accident majaor tha, company walo ne kharcha 4lac ka bataya and servayor ne gadi total loss mai daal dia. Ab issue y hai ki agency wale gate paas ka gadi ka 5% value charge kar rhe hai jo near about 33000 hai. Please guide kariye ki shi procedure kya hai because isme hme bhut loss ho rha. Ek tho hmari down payment 0 ho gye or abi tk jitni emi gye wo bi 0 ho gye upar se bank ko forecloser ka 5% charge dena hai. Tho please muge guide kariye ki is situation mai minimum loss k liye kya karna hoga???
Dekhiye jo bhi charges aapse liye jaa rhe hai wo ek dum genuin hain 5% jo comapany le rahi hai uss mein aap thodi bargain kr skte hain if jaan pehchaan ho toh .And bank ka toh fix hota hai wo dena hi hai aapko
And ek kaam ye ho sakta hai if company se hi baat krein aap apni gaadi sell krne ki toh wo aapko thoda adjust krdenge because unn se jyada value mujhe nhi lgta aapko kahin or milegi.
Wo 3.5lac mai gadi sale kr rhe hai, rest amount insurance se milega aisa bta rha surveyor.
Acha ek baat bataiye agar hm new car le tho jo loan chal rha uspe transfer ho sakta hai kya because abi 4month hi hua hai loan start hue.?
@@tkreviews9890 hnn toh insurance waalo se ptaa kro wo kitna denge loss toh hua hai ab uthana toh pdega hi
@@tkreviews9890 loan transfer completely bank ka process hai uske baare mein aapko bank manager hi btaa sakta hai
सर मेरा कार 1 साल का शून्य डेप्थ खत्म हुआ फिर मैंने oriental का शून्य डेप्थ लिया कार ने नॉन cashless बोला मेरा एक्सीडेंट का 19000 का बिल् बना पर मैंने कैश 19000 जमा कर दिए जहां पर गाड़ी बनाई गई ।। अब ओरिएण्टल ने 12500 रुपया aproved किये ।।।यहाँ पर सिर्फ फाइल चार्ज लगने चाहिए थे।।
Kuch claims mein nutbolt ke paise aapko dene hote hain plus jo previous damage hota hai toh company uska 50% hi deti hai pr uske saath sahi kr deti hai toh wo sab milaa kr aapke 6500rs kaat liye honge
@@SanyamJaincar zero depth na ho to bhi saman to hmara hi h..and Digi bonnet change krne m 2.5 lakh 🤔 accident place se garage Tak gadi lane ka expense Kon deta h and bhar khi accident hua ho to gadi home town ATI h yha whi k garage m ?
Sir...meri car ka accident ho gaya hai..ap apna contact number de sakte hai.. mughe claim se related information chahiye
@@sandeepkumarsingh6750
insta- s_for_sanyam contact me here
Bhai meri kl accident hogyo is se Jayda hogya h .creta hi hai ab ky process kre
Honda wala nahi diya tha scoter ka maine claim kiya tha tab
bhai mere creta mai sirf skid plate damage hui fir bhi file charge 2000 mang raehe dene chaiye ????
hnn dedo shi maang rhe h
Very genuine video.. Keep posting these kind of stuff
Thank you keep supporting
ek saal mai kitni baar claim kar sakte hai insurance??????
Bro maine apni venue claim krane k liye daali h 0 debt par
50hazar ke new part pdenge...
1500 file charge
2800 aur mang rhe hain...pata nhi kis baat k toh hum complaint kr skte h kya inke against
consumables are not covered, oth nut bolt etc. ka dena hota hai
Seedhi baat , No bakwaas....👍👍
Airbag nikle the to uska kitna charge hua??
Sir, meri swift me front and rear door pr rusting aa gyi he..mera zero depth insurance he..rusting pr to claim nhi dete I think to me accidental bata kr claim le skta hu? Aur usme sir file charge + nut bolt ke alawa rusting ke charges bhi add honge? Please suggest krie ki kese claim le skta hu Taki mere dono door change kra sku 🙏🙏
Bhai it is tough to get claim on rusted parts so share me some pictures on my insta then only I can tell u what we can do.
meri car total loss ho gyi he muje kya krna chahiye after market thik krvau ya total loss ka paisa lu
Total loss ka paisa lijiye coz after market theek krwa ke bhi wo waali baat nhi ayegi and aap usko use nhi kr paoge aache se nd resale bhi nhi milegi aachi + time waste hoga alag .
@@SanyamJaincar but idv bhut kam mil rhi he 264000 hi mil rhe he santro 2019 modl kya krna chahiye plz rpy
@@Asifkhan-ys5ug Dekho bhai total loss means gaadi bilkul hi khatam hai ab aap usko after market repair krwaoge toh bht cost baithegi and ussko repair krwane ke baad aap ko wo maza mushkil hi de payegi wo gaadi and jb usko resale kroge toh 2.5Lakh bhi mushkil se milenge coz saaf pta chl jayega ke accidental hai
Toh I will suggest you ke 2.6lakh company se lelo and search for a used can iss budget mein ek average usecar mill jayegi aapko easily wo ek better optn rhega
@@SanyamJaincar aftr market to 160,000 me kr rhe he or meri car puri khtm nhi huy he but insurence company bol rhi he ke idv ka 75 % hi denge or authorize workshop me thik krvane ka khcha jyda bta rhe he
Zero dep claim ke baad jab next time insurance renew karate hain to premium jyada ata hai kya ?
Hnn ji
Bhai Aap ne Bahot Acchi baat Batai hai Thank you
Bhai meri gaadi ka accident hui h private gaadi h fir krna jruri h kya jb kisi third party ko koi nuksaan nhi hua h to
Nhi koi need nhi h FIR ki
Tc.numbar me insurance clame milega
Maine taillight and headlight , Bonet new claim main liya hai. Zero depth main
Kya main ye part wapis Lelo ? Company Wale mna kare tu kya Karo Bhai,?
Hnn aap le sakte ho
Bss apni policy mein padh lena parts ke owner aap rahenge yaa company waale
PSU insurers offer car insurance in least premium and have best claim settlement. They usually charge almost 40-50% less than getting insurance from dealers.
Claim settlement ratio is a vague concept to measure efficiency of an insurance company. You should instead focus on amount of claim settlement by companies. Pvt cos are known for settling small claim very swiftly and are notorious for denying (on any flimsy grounds) or under-settling big claims. So they can easily maintain good claim settlement ratio despite having far lesser amount settlement ratio.
PSUs have backing of govt and claim settlement is transparent and generous irrespective of the claim amount. They simple reason is: they have to strictly follow IRDAI guidelines and PSUs have social service as priority not brute profits. And now a days they match or even exceed the TAT( turn around time) compared to PVT companies. If you check the no of complaints against insurers in website of Ombudsman, Beema lokpal or IRDAI, private companies top the disgraceful list and govt companies are least tarnished.
Now,the question arises why dealers or online portals / web aggregators don't prefer PSUs
1) Huge commission paid by Pvt cos to dealers and online web aggregators. So, they sideline PSU insurers and charge hefty premiums from unsuspecting customers so that they can enjoy mammoth share of your premium as commission, totally flouting IRDAI rules.
2) The dealers and web aggregators have to scrupulously comply with IRDAI guidelines while dealing with PSU insurers which will reduce any foul play or unfair practices which are meant for safeguarding customers against any fraud. Remember,if your claim is stuck by dealer or Pvt cos,you are nowhere to go but in govt companies, strict compliance saves any injustice. So dealers want monopoly in their hands not yours.
Thus, you can draw the inference as to why PSU insurers should the only choice while buying insurance for your loved vehicle.
The 4 renowned PSU/ Govt insurance companies are
1) UNITED INDIA INSURANCE CO. LTD
2) NEW INDIA ASSURANCE CO. LTD.
3) NATIONAL INSURANCE CO. LTD.
4) ORIENTAL INSURANCE CO. LTD.
So, next time you buy a new vehicle,never purchase insurance from dealer instead approach PSU office and get cover for your vehicle. And whenever you renew your cover, do the same .
Drive safe.
Sir meri car me compny ne 6lkh ka 5 lakh hi dia or kaha k 1 lakh scrab se aa jayega car ki kya ye sahi hai? .
Ji sahi hai agr unhone body aapko dedi hai poori damaged car ki
and aap thodi mehnat krke uss mein se jo parts sahi hain wo used parts market mein sell krke jyada bhi earn kr sakte hain
जो पार्ट मेटल के डैमेज हो चुके हैं क्या हम उनको घर ला सकते हैं क्या उनके लिए कोई चार्ज देना होगा
Aaap bina kisi charge ke ghr laa sakte hai
@Sanyam Jain r u a insurance broker bro?
Nhi sir I am just a youtuber
Ok.. Just do a fact check once more.
@@SKumar-lq7gj plz DM me on my insta acc
And elaborate me what u want me to check
Your file charge thing. I have a different information as my brother is a Insurance broker and one of my uncle is retired GM from and Insurance company.
Acchi bat batayi aapne
Good knowledge
Nycc content👍
Nice Information
Sir mere car ka accident hua hain muze aap ka mobile no chahiye
Dm me on my insta
s_for_sanyam
@@SanyamJaincar muje apka mo. No. Chahie please jankari Leni hai
@@ManSingh-hl1vl dm on insta
💥nice💥
🔥🔥
Sha bass
Bhai aapke number send kerrna
Bhai plz apna whatsup number do mujhe bhout kych puchna h meri cat m 60 percent damage hoa h our new car h 8 month hoa h