Biker rams my Ola S1 but his insurance refuses third-party liability

His insurer outright refuses to admit the third-party claim, asking me to file an own damage claim for nothing of my fault.

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Hello, BHPians!

I am sad to say that my brand new scooter was involved in an accident on 10th June 2024 at around noon, I was near the parkway of my home slowly getting into my gate when a Bike rammed into the back of my scooter and sent the pillion seated behind me flying, she had a few injuries to her arm and feet, while the rider who rammed into me also suffered injuries to his hand, by the grace of god, I was left unscathed.

However, since it was a mistake on his part, I requested him to claim his insurance to get the repairs done and the damages fixed, on contacting his insurer (IFFCO TOKIO), they outright refused to admit the third party liability on account of the legal difficulties involved and long time required to get the third party claim, Now I am in a fix, He hit me, My scooter is damaged, I am left without a vehicle for commute, my pillion suffered injuries and I had to pay the hospital bill and now his insurer outright refuses to admit the third party claim, asking me to file an own damage claim for nothing of my fault, I am losing on my 50% NCB which I had accumulated and transferred to my policy and would have to pay at least Rs.1214 more next year, and onwards, due to me losing my NCB.

From the looks of it, now it is as if whatever happens, it's my fault and I have to take my OD cover, I enquired with my insurer Digit, and raised the claim and my Vehicle Repair Order was received today from the insurer's side whereby it was communicated that the vehicle should be sent to the Ola Experience Centre MG ROAD Thrissur which was reiterated by Claim coordinator as well as from the Digit Customer service personnel who helped me raised the claim through a phone call on their official number.

Upon transporting my vehicle to the Ola Experience Centre* MG ROAD Thrissur via pickup vehicle, I was informed that no repairs were to be done at Ola Experience Centre MG ROAD Thrissur and the transporter had to transport the vehicle to Peramangalam. Because of this, I had to transport the vehicle back again due to the fault from THE INSURER DIGIT'S side because THEY mentioned OLA Experience Centre MG ROAD, moreover, the customer service personnel over call also reiterated the same* I had to incur an additional expense of a huge sum just because of your company's, your customer care executive and your claim coordinators negligence.

I also have to give it to OLA for opening up a namesake service centre at Thrissur where absolutely nothing can be done and for having the audacity to give the name of this service centre to Digit for repair purposes.

Such is the lack of mismanagement at OLA and Digit, that I am at a huge loss apart from medical, no claim bonus and to add to that additional transportation costs.

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