3/3/24, 9:57 AM Gmail - DEFAULTGRIEVANCE DGR-28119 Re: Not approving the work from left side Damages

Rashid Kayum <rashid.kayum@gmail.com>

DEFAULTGRIEVANCE DGR-28119 Re: Not approving the work from left side
Damages
grievance@godigit.com <grievance@godigit.com> Tue, Feb 27, 2024 at 11:42 AM
To: rashid.kayum@gmail.com
Cc: complaints@irdai.gov.in

Hello Mr. Raja,

Greetings from Digit!

We have reviewed your claim (202400176479) to its best merit and we regret to inform you that our stand on the same
remains unchanged.

Following our inspection and basis the information available, the following damages correlate with the cause of loss and
have been approved. VRO for the approval has already been shared with the repairer.

• 1. FRONT BUMPER 2. Fender-D/P 3. FRONT DOOR LH -D/P 4. REAR DOOR LH Change

However, based on the present facts known to us, the below mentioned Part(s)/Panel(s) do not correlate with the cause of
loss and hence have not been considered for admissibility.

• 1. RIM 2. TYRE 3. QUARTER PANEL LH4. front bumper lower panel

Kindly find the complete details in the attached Restricted Liability letter.

We regret that our response could not have been more favorable to you.

Regards,
Ashwini Jadhav
Grievance Redressal Unit

Ashwini Jadhav

---------------------------------------------

TO ADDRESS: "rashid.kayum@gmail.com" CC ADDRESS: "complaints@irdai.gov.in"

CONTENT .....

Hello Raja,

Greetings from Digit!

We acknowledge the receipt of your email and request you to allow us 24 to 48 hours to review the case and get back to
you.

For further assistance, you can reach out to us. We will be happy to assist you.

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3/3/24, 9:57 AM Gmail - DEFAULTGRIEVANCE DGR-28119 Re: Not approving the work from left side Damages
Regards,
Ashwini Jadhav
Grievance Redressal Unit

Ashwini Jadhav

---------------------------------------------

From : rashid.kayum@gmail.com To : praveen.sinha@godigit.com,complaints@irdai.gov.in,grievance@

godigit.com,rounak.kumar@godigit.com Cc : masum4love@gmail.com,Mritunjay.Kumar@godigit.com,bodyshop.
imperialhyundai@gmail.com,smservice.imperialhyundai@gmail.com,gmimperialautowheels@
gmail.com,anjan@hiib.in,PRIYANKAR@hmil.net Subject : Re: Not approving the work from left side Damages
Content :
Dear Mr. Praveen,
I am still awaiting your response regarding the physical inspection of my car for the damages.

On Fri, Feb 23, 2024 at 12:10 PM Rashid Kayum <rashid.kayum@gmail.com> wrote:

Dear Mr. Parveen,
I am writing to express my deep concerns regarding the handling of my recent insurance claim for my vehicle, policy
number D099398396, which was submitted for repairs on February 13, 2024.
To my dismay, it took an astounding 10 days for your team to provide approval, and that too for some of the damaged
parts only. This delay has inconvenienced me greatly and has left me without transportation for an extended period for
which the insurance company is solely responsible. It is totally opposite of what your company is advertising and
promising the customers.
What is even more surprising is that despite this significant delay, no physical visual inspection of my vehicle has been
conducted by any representative from your company. Despite this lack of inspection, I was informed that certain
damaged parts(quarter panel, front wheel rim and tire) were disapproved for coverage, citing that they cannot be
covered under the policy.
I am struggling to comprehend how your team and you can confidently assert that their stand is final without
physically inspecting the vehicle in question. It is disheartening to receive such a response, especially when I have
diligently been awaiting a fair assessment of the damages.
I urge you to prioritize the physical inspection of my vehicle at the earliest convenience to ensure a thorough and
accurate assessment of the damages. Additionally, I request a reconsideration of the disapproved parts, as their
exclusion from coverage seems unjustified without a proper inspection.
I trust that you will address this matter with the urgency and attention it deserves. Please provide me with an update on
the next steps and timeline for the physical inspection and resolution of my claim.
I am looking forward to your prompt action in resolving this matter. However, if this issue is not addressed in a timely
manner, I will be left with no choice but to escalate it to higher authorities for further assistance and resolution.
Best Regards

On Thu, Feb 22, 2024, 12:56 PM Praveen Kumar Sinha <praveen.sinha@godigit.com> wrote:

Dear Sir,

As per merit of loss VRO shared to repairer. Our stand is final.

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3/3/24, 9:57 AM Gmail - DEFAULTGRIEVANCE DGR-28119 Re: Not approving the work from left side Damages

Thanks & Regards

Go Digit Praveen Sinha

9831435725

From: Masum Raja <masum4love@gmail.com>

Sent: Thursday, February 22, 2024 3:22 PM
To: Mritunjay Kumar <Mritunjay.Kumar@godigit.com>; Praveen Kumar Sinha <praveen.sinha@godigit.com>
Cc: Imperial Hyundai Bodyshop <bodyshop.imperialhyundai@gmail.com>; Imp - Deepak Malya
<smservice.imperialhyundai@gmail.com>; N.K PRASAD <gmimperialautowheels@gmail.com>; Anjan kumar Thakur
<anjan@hiib.in>; Priyankar Dutta <PRIYANKAR@hmil.net>; rashid.kayum@gmail.com
Subject: Re: Not approving the work from left side Damages

Dear Mr. Praveen,

I hope this email finds you well. I am writing to urgently address the recent decision regarding my claim for damages
to my vehicle under policy number D099398396. I must express my disappointment with the delay in receiving the
approval, especially given the urgency of the situation.

I handed over my vehicle to the service center for assessment, claim processing, and repairs on February 13, 2024.
It has been approximately 10 days since then, and the delay in receiving the approval for the necessary repairs has
been incredibly disappointing.

While I appreciate the approval for the following-

1) FR Bumper Replace

2) FR Lower Bumper Replace

3) LH Fender D/P

4) LH FR Door D/P

5) LH FR Door Replace

6) LH Quarter Panel D/P

The decision regarding the quarter panel, front wheel rim and tire replacement remains unresolved. As per the
assessment conducted by your surveyor, Mr. Mritunjay, it was acknowledged that the front bumper and lower bumper
sustained damage due to the impact. However, I am puzzled by the decision not to approve the replacement of the
quarter panel, front wheel rim and tire, considering the nature of the incident.
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3/3/24, 9:57 AM Gmail - DEFAULTGRIEVANCE DGR-28119 Re: Not approving the work from left side Damages

Mr. Mritunjay himself acknowledged the impact from the front left side, which resulted in the approved replacement of
the front bumper. It is important to note that in such collisions, the force and angle of impact often lead to damages
across multiple components simultaneously.

Given this understanding, it is logical to conclude that the same impact that damaged the front bumper also affected
the quarter panel, front wheel rim and tire. It is not feasible for the bumper to sustain damage without any impact on
the adjacent rim and tire.

Therefore, I find the decision to deny the replacement of the quarter panel, front wheel rim and tire to be totally
appalling, illogical and unsubstantiated. The damages are clearly interconnected and should be treated as such in the
assessment process.

I kindly request an urgent reconsideration of the decision regarding quarter panel, front wheel rim and tire
replacement. I appreciate your immediate attention to this matter and request swift resolution. Should you require any
further clarification or information, please do not hesitate to contact me at 07250047786.

Thank you for your understanding and cooperation.

Regards

Masum Raja

On Thu, 22 Feb, 2024, 12:29 pm Mritunjay Kumar, <Mritunjay.Kumar@godigit.com> wrote:

Dear sir
Greetings from GIDIGIT!!
As per your mail & earlier discussion we rechecked the damages with provided cause &
nature of loss for the relevance of damages claimed other than previous approval.

We would like to update you again that Quarter panel ,Tyre & Rim was not found in line with
the current impact on vehicle as per the nature & cause of the loss in the vehicle as
mentioned therefore, we are unable to assess the both parts in our current assessment & our
approval remains the same as earlier.

Hope we addressed your query with your satisfaction.

Feel free to call or mail undersigned for any concern related.

Regards
Mritunjay kumar

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3/3/24, 9:57 AM Gmail - DEFAULTGRIEVANCE DGR-28119 Re: Not approving the work from left side Damages

7004375704

From: Imperial Hyundai Bodyshop <bodyshop.imperialhyundai@gmail.com>

Sent: Wednesday, February 21, 2024 6:23 PM
To: Mritunjay Kumar <Mritunjay.Kumar@godigit.com>
Cc: Praveen Kumar Sinha <praveen.sinha@godigit.com>; Imp - Deepak Malya <smservice.imperialhyundai@
gmail.com>; N.K PRASAD <gmimperialautowheels@gmail.com>; Anjan kumar Thakur <anjan@hiib.in>; Priyankar
Dutta <PRIYANKAR@hmil.net>; Masum Raja <masum4love@gmail.com>
Subject: Not approving the work from left side Damages

Dear Mrityunjay Sir,

The Customer name Masum Raja with Reg no BR01FN9960(VENUE) is Insured with your
Company( Go digit General Insurance) and Claim no :-202400176479, it had an Accident
and lots of Damages from Front Left sides.
But you only gave Claim Approval of LH fender ,LH Both doors ,& F.bumper painting.

You are requested to Give the work Approval of LH Quarter panel and Tyre & Alloy wheel but
you did not agree to give approval for this work.

Customers need clarification for not approving the work of LH quarter Panel and Tyre & Alloy
wheel.

Thanks & Regards.

PANKAJ KUMAR
BODYSHOP MANAGER
IMPERIAL AUTOWHEELS PVT. LTD
KHAGAUL ROAD,PATNA
MO-9031864317

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Regards,

Rashid Kayum | Planning Engineer

Mobile: +966 510 199 786, +91 9540846664, +91 7050212300

E-mail: rashid.kayum@gmail.com
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202400176479_Restricted Liability -digitCare_22Feb20240328_LETTER1 (1).pdf

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