[Jangra]

Thanks for sharing. Feel sorry for the owner.

One takeaway from this, I will not go for GoDigit insurance

[corvus corax]

A pothole bending an axle! Does this mean that the build quality of VAG cars has gone down as part of their India 2.0 plan?

[jalsa777]

Originally Posted by aniket13

I remember one of my known going through such hassles because the insurance company termed the incident as "Careless/Reckless Driving on Bad Roads". He had to fight hard and I think finally got a satisfactory resolution.

Well, then the road owner (which ever government agency) must be forced to take third party insurance for the road so as to cover all the damages caused by its shoddy build quality.

[kovilkalai]

Uh-oh! I have Digit policies for both my cars. Time to change I guess.

BTW... The simple takeaway for me is that the liability should be covered by either the manufacturer warranty or the insurance policy. There is no scenario where the car owner should be saddled with the bill.

We want our government to do a lot of things... lower taxes, mandate safer cars, build better roads. However, for some reason, strengthening consumer rights seems to be nowhere on anyone's radar

[rsjagtap]

1. I hope the occupants of the car are safe.

2. As for your article, I do see a lack of ownership from the dealership as well. I am assuming you purchased the insurance yourself and not from the dealership. If such is the case dealerships tend to treat insurance claims differently if it has not been purchased from them. It is due to the mismatch of costs incurred to repair the damages between the dealership rates which are always higher than what the insurance company is ready to pay. In addition dealerships tend to have a good relation with the insurance providers they have partnered with since it's a regular thing for them.
If your insurance is self purchased, it will not affect their monthly targets of vehicle completion since your insurance provider is not partnered with them.

You need to up the heat with the dealership as well to put in some influence.

3. Read the terms and conditions once again, in some cases of a dispute, the insurance company is also to provide you with a car until things settle. You can use that to expedite the scenario.

All the best and do let us know how it has all concluded once it's done.
Stay safe.

[Aniruddha_Ch]

Having worked for the dealership before and dealt with motor insurance companies, I must say this 'GO DIGIT' is pathetic of all (the staff isn't professional). Time and again, I've advised people to not fall for lower premiums, as they don't provide the claim for certain damages, which other companies would accept otherwise (Eg. Rat bite).

The portal insurance provided by OEMs is expensive but comes with that additional peace of mind, you won't need to run behind these people.

[haisaikat]

Like others have already said reaching out to the insurance ombudsman should be the first step. If at all a consumer case is to be filed then I suggest that as a preliminary check please validate that the car was being driven within the speed limit of that road. Then you make sure to include the manufacturer and optionally the municipality / PWD (as accountable owner of the roads) parties apart from the insurance company in the consumer forum case.

This incident is one more reason why we should stick to dealer backed insurance for the first 5 years or until the car is in warranty so that neither manufacturer nor insurance can put such cases to no man's land. For a car costing upwards of 2 million rupees this is a small price to pay but ensures peace of mind.

[rd18]

Tweeted this post link, but couldn’t find GoDigit insurance handle on Twitter. Please share if it’s known to you.

[Mainali]

Originally Posted by rpmmachine

MODS, Kindly tweet this thread on your Twitter account too, and let other BHpians know about the Go-Digit's true face. No one should suffer like this. This will help a lot of people to understand and decide whether to choose Godigit or not as their future insurer.

I have posted in a different thread under insurance, where a similar new gen Insurer Acko is quoting almost 3x higher premium for Kia Sonet 1.5 GTX Plus 21, compared to a seltos 1.5 GTX 21. Most distinguished members in this forum say don't buy insurance from dealers, in my case the dealer is giving the best price and coverage what do I do?

I seriously feel this new generations insurance companies are making a habit out of the customers like OLA and Uber did and then take them for a ride

[EV NXT]

Do insurance companies pay claims when the car hits a pothole? I don’t think insurance policies cover the risk of damage caused by hitting potholes.

Replacement of damaged alloys maybe.

But defective deployment of airbags would be payable by the manufacturer.

[Nilesh5417]

Originally Posted by Aniruddha_Ch

Having worked for the dealership before and dealt with motor insurance companies, I must say this 'GO DIGIT' is pathetic of all (the staff isn't professional). Time and again, I've advised people to not fall for lower premiums, as they don't provide the claim for certain damages, which other companies would accept otherwise (Eg. Rat bite).

The portal insurance provided by OEMs is expensive but comes with that additional peace of mind, you won't need to run behind these people.

I don't think GoDigit is now any less pricey than others. I renewed the insurance of my 2yr old Marazzo yesterday and their zero-dep quote was right up there with others.
I took the policy from Oriental eventually after doing a Google search on claim settlement ratio for car policy. Hopefully I don't have to find out if the ratio quoted is true or not.

My other car that is 8yr old is insured by GoDigit and reading this, am never renewing with them again.

I had a similar and pathetic experience with HDFC Ergo with my Monster when they refused my claim for a fork damaged by a flying stone. They kept insisting it was manufacturing damage simply based on photos. I insisted on a physical survey which they kept delaying citing covid when I could actually see the surveyor at the workshop surveying other bikes. Finally they denied my claim and sent me a claim rejection email. Since then, i atleast do a cursory Google check on claim settlement ratio before renewals.

But OP's issue is a clear case of accident and is absolutely unfair of GoDigit to reject the claim. It is not just the airbag that got deployed but also the axle is bent and you can see the damage to the alloys. I don't know how much of a role does the surveyor truly play in the entire process but what did he quote on his survey report?

[EV NXT]

@OP

Before you prefer any claim, the following threads will help you understand situations under which an airbag would deploy:

1. https://www.team-bhp.com/forum/road-...need-know.html (Airbags: All you need to know!)

2. https://www.team-bhp.com/forum/road-...stems-srs.html (Technically understanding Airbag systems & SRS)

[Quoter]

Originally Posted by EV NXT

Do insurance companies pay claims when the car hits a pothole? I don’t think insurance policies cover the risk of damage caused by hitting potholes.

Yes, they do. As long as you are driving within legal speed limits, you can claim damages to the vehicle caused by poorly designed or maintained roads / dividers etc.

[EV NXT]

Originally Posted by Quoter

Yes, they do. As long as you are driving within legal speed limits, you can claim damages to the vehicle caused by poorly designed or maintained roads / dividers etc.

We are talking of the car going into a pothole - it’s got nothing to do with bad design of the road or the divider. Damages to the vehicle caused by traveling on a bad patch of road are not covered under any motor vehicle policy - as mentioned the damage to alloys could be claimed not the deployment of airbags.

Impact from under the car (on hitting a pothole at 50/60 kmph) resulting in airbag deployment point to a manufacturing defect. The OP would have to take this up with Skoda.

On another note, companies such as Godigit are best avoided although in this case they might have the facts in their favour.

[jayanttalwar]

This is not surprising, my experience with Go digit has been extremely bad. The customer care is not all that great, end of the day they are just trying to save money its very evident.

On call they said they have approved the claim then once the work started they found some technicalities and said we do not approve and say what proof do you have that we said yes. Then after lots of phone calls they approve half the original claim. The funniest part is even after all this the go digit team has the guts to not see the real invoice but instead make a vehicle repair order with prices they seem are fair and transfer that. They did not have cashless with HONDA.

All in all please go for the big companies, even the SA was saying they take too much time for everything.