Total Loss Declared by Insurance Company – Claim Amount Kam Mila To Kya Kare? (पूरी कानूनी गाइड)

This article is published by The Legal Warning India and written by Advocate Uday Singh.

यह लेख IRDAI नियमों, मोटर बीमा पॉलिसी शर्तों, उपभोक्ता संरक्षण कानून और न्यायालयों के स्थापित सिद्धांतों पर आधारित सामान्य कानूनी जानकारी व जागरूकता के उद्देश्य से लिखा गया है।

Insurance Company Ne Vehicle Ko Total Loss Declare Kar Diya – Par Claim Amount Bahut Kam Hai?

Car accident ke baad jab insurance company vehicle ko “Total Loss” declare karti hai,
to aksar policyholder ko lagta hai ki ab poora paisa mil jayega.
Lekin reality yeh hai ki:

• Insurance company IDV se kaafi kam amount offer karti hai
• Depreciation aur deductions zyada laga diye jate hain
• Salvage value ke naam par aur paisa kaat liya jata hai

Is situation mein log Google par search karte hain:

• Total loss claim kam mila kya kare?
• Insurance company total loss amount kaise decide karti hai?
• Kya total loss settlement challenge kar sakte hain?

Is article mein hum deep legal analysis ke saath batayenge
ki aap apna total loss insurance claim kaise protect aur challenge kar sakte hain.

Total Loss Kya Hota Hai? (Simple Language Mein)

Motor insurance mein vehicle ko Total Loss tab maana jata hai jab:

• Repair cost vehicle ki IDV ka lagbhag 75% ya usse zyada ho
• Vehicle repairable hi na ho (severe damage)

Is case mein insurance company:

• Repair ka paisa nahi deti
• Vehicle ki IDV ke basis par settlement karti hai

Important: Total loss ka matlab yeh nahi hota ki company jo chahe amount de de.

IDV (Insured Declared Value) – Total Loss Claim Ka Base

IDV wo value hoti hai jo policy issue hote time declare ki jati hai.
Normally:

• Total loss claim IDV ke around settle hota hai
• Extra arbitrary deduction legally allowed nahi hoti

Agar insurance company bina justification ke IDV se bahut kam amount offer kar rahi hai,
to wo deficiency in service ho sakti hai.

Insurance Company Total Loss Claim Mein Paisa Kyun Kaat Leti Hai?

1️⃣ Excessive Depreciation

Company aisi depreciation laga deti hai jo policy terms se match hi nahi karti.

2️⃣ Salvage Value Ka Galat Calculation

Salvage value kaatna allowed hai, lekin:

• Uska fair market basis hona chahiye
• Arbitrary figure nahi ho sakti

3️⃣ Surveyor Ki Biased Report

Surveyor vehicle ki market value kam dikha deta hai,
jisse claim amount automatically kam ho jata hai.

Kya Total Loss Settlement Ko Challenge Kar Sakte Hain?

Haan.

IRDAI aur consumer courts ka clear stand hai:

• Total loss ka calculation transparent hona chahiye
• Policyholder ko reasoning dena mandatory hai
• Unfair deductions illegal ho sakte hain

Agar settlement unfair hai, to aap legal remedy le sakte hain.

Total Loss Claim Kam Mila – Turant Kya Kare?

Step-by-Step Legal Action Plan

1. Insurance company se written settlement calculation maangein
2. Surveyor report aur salvage valuation ki copy lein
3. Policy terms ke saath comparison karein
4. Written objection insurance company ko bhejein
5. IRDAI grievance portal par complaint karein
6. Advocate ke through legal notice bhejein
7. Consumer court case (agar zarurat pade)

Consumer Court Total Loss Cases Mein Kya Kehti Hai?

Consumer courts ne kai cases mein kaha hai:

• IDV ke against arbitrary deductions galat hain
• Surveyor report blindly accept nahi ki ja sakti
• Policyholder ko fair compensation milna chahiye

Court de sakti hai:

• Enhanced claim amount
• Delay par interest
• Mental harassment compensation

Frequently Asked Questions (FAQs)

Q1. Total loss mein poori IDV milti hai?

Aam taur par IDV ke around settlement hota hai, bina unfair deductions.

Q2. Salvage dena mandatory hai?

Haan, lekin salvage value fair honi chahiye.

Q3. Insurance company offer accept kar liya to case nahi kar sakte?

Conditional acceptance ke saath challenge possible hota hai.

Related Legal Awareness Articles

• Car Accident Insurance Claim Rejected – Legal Remedy
• Accident Without Driving License – Insurance Claim
• Hit and Run Accident Insurance Claim
• Health Insurance Claim Rejected

निष्कर्ष: Total Loss Ka Matlab Insurance Company Ki मनमानी नहीं

Total loss declare hone ke baad bhi insurance company
policyholder ke saath unfair settlement nahi kar sakti.
Agar claim amount galat ya kam diya ja raha hai,
to legal action lena bilkul sahi aur effective step hai.

Disclaimer: This article is for general legal information and awareness purposes only.
It does not constitute legal advice or solicitation.
Communication is purely informational, in compliance with Bar Council of India Rule 36.