Car Total Loss கொடுமைகள் | Total Loss Car Insurance settlement | Used car வாங்கப்போறீங்களா? உஷார் ..
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- Опубліковано 6 лют 2024
- Total Loss Car Insurance settlement flood, total loss car insurance settlement, how to claim total loss of a car from insurance, total loss car insurance settlement india, car insurance, insurance claim, insurance, car insurance claim, birlas parvai, total loss, flood insurance, auto insurance, insurance for flood damage, car damaged in flood, car flood damage insurance claim, cheap car insurance, best car insurance, car insurance claim process, constructive total loss, things to remember before total loss settlement, what is repair loss settlement in accident cases, how insurance company compensate a claim, விபத்துக்குள்ளான வாகனத்தின் மொத்த இழப்பு, vipattukkuḷḷāṉa vākaṉattiṉ motta iḻappu, car insurance tips and tricks, tips and tricks for cheap car insurance, tips to lower your car insurance, what to consider when choosing car insurance
In this video a detailed discussion about Total Loss in car insurance claim.
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Return to Invoice is very important for first 3 years to all new vehicles. Some insurance companies extend it upto 5 years.
Hi Birla sir, Today I got an insurance with RTI .. Thanks for you and the guest.. this is such an eye opener.
My car was declared total loss as well. I’m having very difficult with #Acko insurance. More than 30days and 60days from initial request from agreeing total loss they are giving me silly reasons everyday. There’s no point in escalating to Grievances, they don’t help, Acko’s salvage vendors are useless and they lie so much and thinks customers are dumb. For everyone reading this, I will strictly not recommend Acko to anyone going forward 😒
But people say wacko is very good.
As Birla sir and his guest/friend mentioned Royal Sundaram’s response and support was good.
Thank you for updating on Acko
That's true bro.. Many of the Acko users facing the same issue.
@Birla sir, you have made a video on an easy settlement of claim. Make a video of people struggling to get their claims settled from insurance companies - this would also give awareness to people on which insurance company gives good support at times like this .
Birla always rocks with lot of awareness videos. Really I dont know this new person's language. ஆங்கிலம் கலந்த தமிழ் இப்போது தவிர்க்கமுடியாததாகிவிட்டது. ஒன்றிரண்டு வார்த்தைகள் ஆங்கிலம் வந்தால் பரவாயில்லை. ஆனால் இதுபோன்று பேசுவது கேட்கும்போது உண்மையில் ஆங்கிலமா தமிழா என்று தெரியவில்லை. ஆங்கிலம் பேசுங்க அல்லது தமிழ் பேசுங்க, இரண்டுமே எங்களுக்கு புரியும். இந்த மொழி புரியவில்லை.🤦♂
உங்க 4 வரி கமென்ட் லயே 2 வரி ஆங்கிலம் தான். 😂😂😂
ஆங்கிலம் பேசுவது ஒன்றும் தவறில்லையே
Adhu andha maadhiri circle irundha palagidum. Avar venumnu paesala.
kia sonet back legroom is ok but 3 people cant sit comfortably in rear
Good content Vijay! Glad that you have used the RTI clause and thanks for spreading the awareness on this!
Eye opening video and no other channels touched this point!! Kudos Sir!!
Super valuable content sir .. now I’m enquiry this for my new car … it’s an eye opener for new car purchase people … when I connect with showroom manager they said only class 1 will be covered and they are not sure or they don’t want to proceed with class 4 … basically they want to sell car there target is done … they don’t want people to know this clause…
RTI is not new but often insurance agents doesn't explain the key differences.Very well articulated and useful for everyone.But key message is don't buy second hand car from Chennai or near reggistered. It will be sold as low millage car but you will be in trap and trouble... Most of them are shipped to CBE for rework.. be cautious ...
Simply don't assume every car....is flooded...in Chennai. useless comment
அருமையான பயனுள்ள தகவல் மிக்க நன்றி பிர்லா சார்
No insurer will affect. Because in a year (eg) 100 cars insured, but only 2 or 3 cars claiming the insurance. so in no way insurer will affect
Correct
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As usual super Birla sir the videos you do is always different from others and in Tamil adds more value. Wishes to new car owner and his friend who guided for good. Prasanth
Sema content..very useful..normally we don't pay too much attention to details of insurance coverage
The total loss is a beautiful concept in the US if it is a new car with less damage. In the case of total loss, there are two cases, (1) the insurance will pay up to the maximum value of the car and absorb the car. (2) the insurance pays 50 ~60% of the IDV; they also give your car back and you can fix it on your own or any local mechanic. The second option is perfect if we can fix the by our own with cheap prices and sell it for a good price and make a consistent profit but the title will be moved from clean to salvage. If you see any title as salvage means the car is totaled and it is rebuilt. But remember it is not the clean title, you might face insurance premium hikes and doomed resale value.
50%? in second case? Which world are you living in? There is something called salvage value that is determined by the insurance company. This value is determined by the salvage yard brokers.
If you are going to let your car go, the insurance company is going to have the salvage yard quote as less as possible, then pay up IDV minus the salvage value. The insurance surveyor and the salvage yard owner will have an off the books understanding whereby the insurance surveyor will seek some commission. Win win situation for both insurance surveyor and the salvage yard dealer. The Insurance surveyor won't work to his employer in this case. Imagine how much commission an insurance surveyor could make for many cars
If you say upfront that you want to keep the car, th insurance surveyor has nothing to gain. So he will have the salvage yard dealer quote as high as possible so that he can reduce the settlement as much as possible. In this case the same surveyor will loyally work for the employer
Moreover the Insurance surveyor or company has no obligation to show you how much was offered for the car.
In the case you refer to, one would be lucky if he could get 30% of the IDV
Remember that insurance surveyors are outsourced / contract employees and have too much power. It's a shady business
thank you for the groundwork sir and clear-cut video.
Thanks for the detailed explanation by lucky man and to birla.
Reinsurance - It is an insurance that an insurance company purchases from another insurance company to insulate itself (at least in part) from the risk of a major claims event.
Excellent information. Very useful and Thanks for doing this video 🙂
All the best for 1 million sir....🎉unga videos pathudhan car vanga asai patu Hyundai i20 sportz vangirukan..... review pananumna solunga car enga venumnalum kondu varan
Sir Ningee kekara mora nengee select panne customer avuru explain panne vidham super ❤
Wonderful review!! Very informative. 👌👌👌👍🏻
RTI பற்றி இப்போதுதான் தெரிந்துகொண்டேன். நன்றி.
Useful video Sir, one addition thing we might have covered in detail this video is:
Process/Struggle taking out the vehicle from Service centre- as they come up with huge charges in name of Parking and Estimation Charges.
I had a very worst experience with Vishnu Cars Medavakkam- really an unprofessional way of dealing customers.
Parking charges 350 per day
+
2% on Estimation Charges
And the worst thing-
Few parts missing out like Jack, etc.
Wrong Estimations
No communication or updates from Service Advisor
Arrogant way of interaction
Avanungala naaka pudungikaramadhiri kaelunga bro... That will give satisfaction, 💪
Very informative, thank you
Very informative video... Thanks to birla......
பயனுள்ள தகவல்
Good content Ji.. what is the beep noise in background in most part of the video?
Very very useful interview, particularly insurance RTI.... really thanks for making these kind of videos and Kudos to you and your efforts 👍👍👍
I never got the option of 4 parts in RTI. Insurance and RTO are not included in RTI, only Ex-showroom.
Useful video birla
Good going sir al the best ❤
Very useful info with live experience 🎉🎉
This video very helpful for me sir. Super.
Hi Birla , RTI if we opt in new india assurance they are the best in the claiming process and settlement
You i10 and sonet both 1.2 liter engine தான்.. So whay big difference and upgrade you have made.. Atlest you sholud have gone to diesel engine
Worth watching , nice information
Air bag sensors are installed on chasis.
My car is also auto loss. I had Tata Aig insurance and it was smooth process too
After market car modification and related insurance claim pathi oru video podunga sir,
Loss is for the user who buys the car as second hand!
One of the best and very informative videos.. thanks again Birla bro
Recently i got Hyundai exter SX model, showroom gives 53k insurance quote for 1 year OD + 3 year TP, same thing with all add on's i got it for 21k from New India assurance. So cross check before opting for showroom insurance.
Nice valuable information, T an q Bro
Good content bro 🙏
Good information 👍
Super information
Unclaimed policy neraya irukume athu profit than insurance company ku
If your vehicle is in hypothecation (under bank loan) and declared as total loss, insurance settlement process time will slightly extended as we need to close the loan account and get NOC to submit to insurance company
Good point.
My dzire car is also a total loss, ambattur nexa Service center also asking the payment for cleaning and rental charges around twenty thousand. Is it applicable
Good that you have taken pic and video. Nice interview. With out skipping one should listen fully to understand Total Loss. This channel deserves 1M subscribers
Good work bro
Thankyou Birla sir.
awesome content...
A,B,C category , what the customer says is different from the text displayed.....
Total loss car in pps motors chrompet.They charge for parking each day around 200.10k advance .non refundable.is it same everywhere?
I too affected with total loss... Please always do rti
Once form 20 is signed we are not responsible as per RTO act. Please correct me if I am wrong
நிறைய விஷயங்களை தெரிந்து கொண்டேன்
In case second hand car vanga porapo, flood affected ah ilaya nu epdi kandu pidikalam nu oru Video podunga
Bro incase total loss aana vandi oda loan running la eruntha loan enna agum bro?
Birla bro keep the video short. This is useful info but too lengthy..
நல்ல topic..
வீடியோவில் Bumper என்பது bumber என்று தலைப்பில் பதிவு செய்யப்பட்டிருக்கிறது..
போன முறை 1.2 NA MT வாங்கினதாக சொன்னார். இந்த முறை 1.0 Turbo iMT.
iMT experience பத்தி கேட்கவே இல்லை..
Interviewer வண்டியின் சொந்தக்காரர் சொன்னதை சரியாக கவனிப்பதில்லை மாதிரி தெரிகிறது.
வண்டி வாங்குபவர் just like that ( யோசிக்காம) RTI எல்லாத்தையும் tick செய்ததாக திரும்ப திரும்ப சொல்கிறார். ஆனால் interviewer சாமர்த்தியமாக RTI select செய்து அதிகம் loss இல்லாம தப்பித்துவிட்டார் என்று சொல்கிறார்.
Bumper to bumper la RTI ilena vera ena insurance le varum ??
New info about RTI
Total loss or flood loss car how can come again in the 2nd market, insurance value will be 0 right?
Thank you thala. Will choose RTI in next renewal
Sir, Paytm fastag change pandrada pathi sollunga 😊😊😊
This is all based on the age of the vehicle
So always maintain well the vehicle and keep good IDV value
If you do so then old vehicles you will get profit
For new vehicles it is loss as u dont get the diff between the exshowroom and onroad price as it is not covered in insurance
All over in car market the Tata service is the worst. Remaining car brands all are gem and genuine like that so many slogans went all over. But now what is the situations of this other brands service..... all car brand service are same. We should be more aware with service centres while leaving car
Maruti user ah irundutu, KIA pona worst service nu kandippa solluveenga
I own premium variant of Diesel Seltos. Flawless engine and overall performance top class with luxury
There is nothing about Kia or Hyundai that is flawless
me too bro. this time i added car key also.
Usefull video
Sir please talk about BS6 innova crysta DPF issues .. more are affected in this
Especially this problem in 2020 2021 innova crysta
Waterproof bag maari edhavuthu irukkuma for flood protection for cars .... Open pannitu car ah ulla ottitu adukku apporoam andha sheet ah wrap Panni roof height la katti vechi protect panna mudiyuma ...
My new car Venue SX(O) was impact and declared total loss but I got 1.5 lakh more what I spent because return to.invoice and today market price
How can they give extra 1.5 lakhs sir.if u pay 9 lakhs and now the car price 10.5 lakhs how can they pay u 10.5 lakhs .kindly clarify sir
Because my exter also declared total loss .yet to recieve the amount.please clarify sir
@SenthlKumar sir, you are confusing. How can they give you more ?
As per my experience in all the situations Alto k10 and normal maruti vehicle are the best. Whatever it happens the amount what we need to spend for repair will be very less.
Good information. I also went through this process. but for me, they charged a parking charges of around 10k. and 2% of the estimation charge by the car service center. Also, insurance requested a consent letter with a rotary signature to issue payment. Whole process took around 3 months.
Our 6 months old Honda city got total loss in 2015. After that we again bought same car in same colour
Hi Bro, Last Insurance Video, I think we preferred to go with Dealer insurance for smooth process and add-on's comparing to outside, But here outside insurance also looks good, so both are considered same or anything will be missed choosing either one
Hi Bro , as far as I know the jnsurance companies which were tied with the dealer will provide certain options to the dealer. But while selling outside the insurance company will have more options. If 5 Insurance are recommended by service centre. Those 5 are provided by an company like insurance broker to the service centre. So those policies apply. Only thing is that if you get it from the dealer they itself can initiate the claim and they will get the OTP for claiming. Otherwise you need to initiate the claim. That too dealer will assist and take care. The thing you need to keep in mind is that you need to purchase insurance from outside and it's better from the companies which dealer suggests.
@@manis4676 Thanks for the Explanation!
sir discount code for perfume??
Im also an example. Even after two months my amount is not settled till date.
Which ins company?
@@selvakumart6980 iffc tokkio
Car loan poiruntha RTI epdi work ahum?
ஒரு விஷயம் கண்டிப்பாக கடைபிடிக்க வேண்டும்.அதாவது சென்சார்கள் சரியாக இயங்கவில்லை என்றால் உயிரிழப்பு ஏற்படும்.இதை தேரிவித்தது மிகவும் நன்றி புரோ
Birla Sir,
Policy Bazar Insurance claim pavangal endru oru episode podunga. Insurance companies offering a preferential service for its customer based on policy agent like policy Bazar. This should also be brought to light so that everyone get equal treatment.
Policy Bazar Customers Are Preferred Customers or
Neglected Customers?
I didn't get you.
@@movementbuilders8828 Same question. Policy Bazar Customers Are Preferred Customers or
Neglected Customers?
Mr. Birla provided absolutely contradictory details. Please conduct further groundwork and provide a review."
This is applicable for accident car?
In Us they give 100% claim why it is not happening here ?
A total eye-opener for insurance and its details..! I have an RTI for my new car (Scorpio N) but just based on this video came to know its part 3 only. Insurance is not covered. Thanks, @birlas Parvai for the useful content..!
How(where) to check car insurance add-ons?
Check your policy document. It will be mentioned there.
Indha video dhan useful dolli iruka boss
நம்முடைய கார் பேங்க் லோன் ல் இருந்து, total loss என்று declare செய்யப்பட்டால் நாம் bank தந்த amount ஐ கட்டிய பிறகுதான் ID value claim செய்ய முடியுமா அல்லது நேரடியாக insurance claim செய்யலாமா? Bank க்கு கட்ட வேண்டிய பணத்தை யார் கட்ட வேண்டும்? சற்று விளக்குவீர்களா?
En new car -2023 Oct la vangi December flood la poiduchu 😔😔😔Total loss than exact term
Great 🎉
சார்,புதிய கார் வாங்கும் போது சோரூமில் சொல்லுகின்ற இன்சூரன்ஸ் கம்பெனியில் தான் இன்சூரன்ஸ் போட வேண்டுமா?
அப்படி எதுவும் கட்டாயம் இல்லை சகோ.
Good video
Involve pad sun la dry aahuthu bro not working
Brilliant
That concept is called re-insurance concept
What if the car was taken in Loan ??