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BHey r/legalAdviceIndia,
So, I’m in a really frustrating situation with my car insurance and could use some advice.My car got into an accident way back on May 11, 2024. The repair guy said it’s gonna cost more than 75% of what the car’s actually worth (IDV, right?).
The insurance people instead of fixing the car (which seems impossible anyway) or just letting me scrap it like the rules say (something about IRDA?), they’re pushing me to give them my car’s RC! That doesn’t sound right to me because it looks like they’re gonna repair it and drive it themselves. RC has a life span of about 9 years remaining. I can sell this car for 5L off-market after repair but they’re only offering 3.2L after me selling everything to them.
I got this lowball offer months later on WhatsApp, that I obviously refused after the repair estimate. Even tried their “regional team” and some other contact they gave me, but no luck – just got the runaround. I even complained on that BIMA BHAROSA thing, and guess what? Same RC transfer offer!
It’s been seven months of this crap. I got insurance so I should be covered in case something like this happened, not to be forced to hand over my car.
All this has taken a toll on me and now it looks like I already spent the difference in offer in car parking(15k till now), travel + all the time I wasted.
Is them demanding the RC legit when the repair is so high? What should I do next?
Any help would be amazing! Thanks in advance.cc: u/Illustrious_Mud_32
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