Bad experience - Doha insurence
Hi all,
Just to clariffy doubt regarding full coverage insurence.My Car is brand new and full insured with Doha insurence.Somebody hit (when i came back ) while it was parked in shopping mall.I made police report and they gave report as it was my mistake and charged Qr 100.Presented it in the doha insurence company,but they said I have to pay 30 % of the cost.Is it the right way? and how about the police report ,which says am the one done mistake....Plz advise......tnx .
Thank you all for your valuable time...i will re check the terms in the policy.
Hai Kichu,
First of all, in a doubtful situation about this matter before proper understanding about the policy terms, i feel the title "Bad experience-Doha Insurance" is not appropriate and questioning the reputation of that company, secondly in case of a Hit and run case company have the right to apply deductible/excess stated in the policy condition, so please check your policy properly where deductible/excess is mentioned. in case any amount other than the deductible is applied by the company, please check with the officer for what that amount is for and if he can give you a reasonable and justifiable answer then you have to pay, if the additional amount asked is not justifiable you should'nt have to. it is a matter of policy terms and conditions.
Since you dont know who has hit you in the back, and are a lone report , they charge you this. My friend had similar experience.
I do not agree with techn. All insurance companies have a fixed deduction amount stated in the insurance policy for any accident claims. Beyond this all damaged items such as lights, bumpers must be new replacements. If any part of the body has taken dents, the garage must repair this and repaint the damage portion. There is absolutely no question of replacing damaged parts with used ones.
I think they might charge some percentage on plastic parts such as bumper. You have option to go for "used" parts, but in good condition, then you will get 100% . Talk to the repair garage.
The police report is final. However, regarding the insurance company, you need to check the insurance cover the vehicle has. This varies from insurance company to insurance company. Read the policy they gave you when you insured the vehicle. This should tell you everything.