Car Total Loss கொடுமைகள் | Total Loss Car Insurance settlement | Used car வாங்கப்போறீங்களா? உஷார் ..
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- Опубликовано: 2 окт 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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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 .
சொல்ல வந்த விஷயத்தை சுருக்கமாக சொல்லி இருக்கலாம்..ஜவ்வு மாதிரி இவ்வளவு கதை தேவையில்லையே...
This needs explanation
@@vigneshrheumatologist2751 வேகமான உலகம் தம்பி சார்....இவ்வளவு நீள கதையை கேட்க நேரமேது...🤔
video-ல இன்னும் நிறைய details include பண்ணி, 1 hour-கு மேல play ஆகுற மாதிரி பண்ணிருக்கலாம்..சீக்கிரம் முடிஞ்சிடுச்சு..
@@BisonBaby-to1dv தம்பி நீங்க வீட்டில் தண்டசோறா...அதான் பொழுது போகமா...ஒரு மணிநேரம் வீடியோ பாக்குற....🤔🤣
That's birlas style. Blah... Blah... Blah...
Return to Invoice is very important for first 3 years to all new vehicles. Some insurance companies extend it upto 5 years.
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…
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
Hi Birla sir, Today I got an insurance with RTI .. Thanks for you and the guest.. this is such an eye opener.
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.
15 lakhs koduthu sonet ah poi eduthirukan😮 paithiyama ivan?
Yeah..mg astor eduthurukalam
இவரு முழுசா ஆங்கிலத்திலேயே பேசியிருக்கலாம். தமிழ் அங்க அங்க வருது அவ்ளோதான்.
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
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
kia sonet back legroom is ok but 3 people cant sit comfortably in rear
Loss is for the user who buys the car as second hand!
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, 💪
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
Unclaimed policy neraya irukume athu profit than insurance company ku
Thank you thala. Will choose RTI in next renewal
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
சார்,புதிய கார் வாங்கும் போது சோரூமில் சொல்லுகின்ற இன்சூரன்ஸ் கம்பெனியில் தான் இன்சூரன்ஸ் போட வேண்டுமா?
அப்படி எதுவும் கட்டாயம் இல்லை சகோ.
Question: Yaaruku loss?
Ans : Used car edukura 2nd hand Owner ku thaan loss and bad fate.
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 ?
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
Periya Peter mayiru.... Waste of time
My car is also auto loss. I had Tata Aig insurance and it was smooth process too
Next flood vantha enna panuveenga.. same process ha😅
Im also an example. Even after two months my amount is not settled till date.
Which ins company?
@@selvakumart6980 iffc tokkio
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.
Selling Total loss car famous in Tiruppur & Coimbatore 😅it’s a scam happening everywhere!!! Govt should interfere & check the total loss car going to scrape or not !!’ Book swap also happening!!! Plz make video about this scam !!! Thank u bro
Who will sell? How do we know? What scam? He says these cars come to market only?
@@softgrowl Most of the ppl don’t know history of their used car !!! Mostly Olx like platforms & used car outlets not reliable!!! Most of the flooded vehicles are getting for sale soon !!! Not only Chennai numbers !!
What about total loss in case of Bank Emi? Can anyone give insight on this?
இந்த வீடியோவை பார்த்த பிறகு இந்த சேனலை Unsubcribe செஞ்சிட்டேன்!!
வள வள ன்னு ... ச்சை!
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.
So, to get that amount from insurance company, we need to close the loan first?
I too affected with total loss... Please always do rti
தமிழில் பேசுங்கள் அல்லது ஆங்கிலத்தில் பேசுங்கள் நீங்கள் பேசுவதை கேட்க கேவலமாக உள்ளது
Pudikalina mooditu poiralam
Information on reinsurance was not right. Got to do more research before providing information to the general public. Apart from that it was informative and of course a great advertisement for ‘KIA Sonet’.
Car loan poiruntha RTI epdi work ahum?
4 lak loss kedaithu, antha naai full featured vehicle eduthurukku, so its not category of loss
1000 caruku insurans pannitu oru carukuthana tharanvo insurance அவனுக்கு எப்படி loss akum
Flood is not unpredictable. DMK WATERMANAGEMENT WORK CREATED IT, DID SUPER JOB.
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.
My car also total loss... Tata Punch 2021 model...
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
If you are interested to repair the vehicle.. Don't worry all total loss vehicles are repaired.. Andvwill be sold after repairs.. You can take it from used car..
In Us they give 100% claim why it is not happening here ?
Mr. Birla provided absolutely contradictory details. Please conduct further groundwork and provide a review."
Insurer never gets loses. Loss is shared by others
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.
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.
Birla bro keep the video short. This is useful info but too lengthy..
Total loss car in pps motors chrompet.They charge for parking each day around 200.10k advance .non refundable.is it same everywhere?
...which is so called re-insurance
I never got the option of 4 parts in RTI. Insurance and RTO are not included in RTI, only Ex-showroom.
Maruti user ah irundutu, KIA pona worst service nu kandippa solluveenga
Kia service worst sollito again new Kia car edothu irukan
மேட்டர சீக்கிரம் சொல்லனும்...
கம்பராமாயணம் மாரி இழுத்துட்டு போக கூடாது..
ஏரில வீடு கட்டுனா இப்படி தான்.
,Oriental Insurance delay in settlement for my total loss car cliam any time frame
govt insurance is a pain. i had national insurance, they didnt approve my claim which would have been approved by private insurers in 2 days.... my insurance wasted 3 weeks to tel me that the claim is rejected.
In case second hand car vanga porapo, flood affected ah ilaya nu epdi kandu pidikalam nu oru Video podunga
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
After market car modification and related insurance claim pathi oru video podunga sir,
Any one has similar experience in bajaj Allianz... Kindly help my vehicle is total loss but still no response 1 month over
🎶 track? It’s *I'm Not Playing* by *Ballpoint* - and yes we are THRILLED to be your trusted provider.
ruclips.net/video/tRGM-uCh2FY/видео.html
// Epidemic Sound
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?
Enna da ok .ok😅
Good content Vijay! Glad that you have used the RTI clause and thanks for spreading the awareness on this!
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
4 lakhs extra kuduthu again kia sonet vaangunathuku 1.5 lakhs spend pani repair panirukalamae balance 7 lakhs insurance la claim tharanu thana sonanunga
Boss repair cost came around 7 lakhs, you please rewatch the video.
@@dhandapanivasanth no boss repair cost came around 8.5 lakhs and insurance company was ready to give 7 lakh
Thanks for this video, If you can provide the registration number, It would be greatly appreciated. Also, in general if we have a directory of all the total loss cars (region-wise), we can help those who are in need second-hand cars.
TN 69 BT 1152. Tata nexon, one month used 2500 km only. Tuticorin. Total Loss.
Sema content..very useful..normally we don't pay too much attention to details of insurance coverage
Sir please talk about BS6 innova crysta DPF issues .. more are affected in this
Especially this problem in 2020 2021 innova crysta
New info about RTI
I had a very bad experience with Royal Sundaram insurance. Do get carried by this video.
ஏம்ப்பா கெடந்து புலம்பர? நொய்யு நொய்யுன்னு.
In this what is the hot cake is , maximum tope vehicles used are tata pick up trucks😅
தமிழ் காணொளி யா இங்கிலீஷ் காணொளியா
I am still waiting for my RTI settlement
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?
வணக்கம் இப்பொழுது தான் சென்சார் சென்சார் வண்டிகள் வந்து உயிரை எடுத்து விடுகிறார்கள் தண்ணி அடித்து தானே வாகனத்தை சர்வீஸ் செய்கிறோம் தண்ணி படுவதால் ஒன்னும் ஆகாது தண்ணீர் முழுவத சீட்டு ஃபுல்லா முழுகி சீட் ஃபார்மில் தண்ணி போய்விட்டால் புதுசாக மாற்ற வேண்டியது வேரிங் கிளிப் ல இருக்கிற தண்ணி எல்லாம் ஏர் கொடுத்து கிளீன் பண்ணி கொள்ளலாம் என்ன அந்த ஓட்டுனர் தண்ணீரில் மூழ்கி இருக்கும் போது வண்டியை ஸ்டார்ட் செய்தால் தான் பிரச்சனை இந்த தண்ணியும் அந்த இஞ்சின் ஆயினும் சேர்ந்து சேரு ஆக உள்ளே அடைத்துக்கொள்ளும் எஞ்சினைபுல்லாக பிரித்து ஓவரா லிங்க் பண்ணி போட வேண்டும் பேட்டரி கழட்டி விட்டிருந்தால் எந்த சேதாரமும் இல்லை பேட்ரிக் கழட்டாமல் இருந்திருந்தால் அதற்குண்டான வயரிங் மாற்ற வேண்டி வரும் நன்கு விஷயம் செய்த விஷயம் தெரிந்தவர்களுக்கு இன்ஜின் ஆயிலை முழுவதும் இறக்கிவிட்டு ஒரு 5 ல் டீசல் அல்லது கரசின் இன்ஜின் ஆயில் ஊற்றும் இடத்தில் ஊற்றிவிட்டு ஒரு நிமிடம் ஓடவிட்டு அந்த உள்ளிருக்கும் அழுக்கை எல்லாம் எடுத்து விட்டால் மறுபடியும் புது இன்ஜின் ஆயில் ஊற்றினால் வண்டி ஒரு நிமிடத்தில் ஸ்டார்ட் ஆகிவிடும் மத்தப்படி வண்டி முழுவத பெயிண்ட் எல்லாம் போகாது டோட்டல் லாஸ் எல்லாம் ஆகாது அதனால் வெள்ளத்தில்முழுகினால் வண்டியை சீப் ரேட்டில் கிடைத்தால் வாங்கிக் கொள்வது பயணிகளுக்கு அதிக பயனை கொடுக்கும் நன்றி
வீடியோவும் குள்ளே போகலாம் என்று சொல்வதற்கு முன்னால் உள்ளது வீடியோ இல்லையா? இல்லை என்றால் அது என்ன?
Involve pad sun la dry aahuthu bro not working
ஏன்யா, Total loss ன்னா IDV Value Amount மட்டும்தான் தருவார்கள்.
இதற்கு இவ்வளவு பெரிய கதை தேவையில்லை.
Bumper to bumper la RTI ilena vera ena insurance le varum ??
Acko insurance guys and Chennai’s Honda dealer joined hands and took me for a ride - almost cheated me. Paid only half of the IDV. Rs.3lakh for a 12 lakh car was only received. Everybody other than the original owner make money in this total loss concept. No transparency by this insurance companies.
En new car -2023 Oct la vangi December flood la poiduchu 😔😔😔Total loss than exact term
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
Eye opening video and no other channels touched this point!! Kudos Sir!!
ஒரு விஷயம் கண்டிப்பாக கடைபிடிக்க வேண்டும்.அதாவது சென்சார்கள் சரியாக இயங்கவில்லை என்றால் உயிரிழப்பு ஏற்படும்.இதை தேரிவித்தது மிகவும் நன்றி புரோ
Royal sundaram rocks 🎉❤🔥
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.
Swiss-Re is one of the companies that does Re-Insurance, from whom insurance companies buy insurance and sell...
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.
Background beep sound very bad
Kia service is also costly and pathetic in Chennai. Most cab drivers fix their cars locally with just less than a lakh.
For Safety xuv 300, for engine and reliability honda elevate, for less price venue diesel... For manly rough and tough drive bolero classic not neo choice is yours
Xuv 3oo link rod failure running time noise
@@prabhakarrajendran2149 oh sorry sir i will check about that
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 ...
Ok da Sunni ethuna ok
Very bad irritating audio.. skipped the video at the middle because of that ke ke indicator sound... Please take care of the audio quality.
Boss speak in English or tamil, why this major sundar rajan activity
Bro incase total loss aana vandi oda loan running la eruntha loan enna agum bro?
Total loss or flood loss car how can come again in the 2nd market, insurance value will be 0 right?
Good work bro
Ivaru lucky so he got money, car company, insurance company is not loss