Introduction
When doctors take time away from patients, it should be for rest, not for chasing a roof repair. But on May 1st, 2025, one of the known doctors from New Raipur found himself doing exactly that, caught between a workshop’s delay tactics and a car stranded without movement for almost two weeks. The storm had passed, which damaged his car, but the claim process hadn’t even begun.
Case Background
The doctor had an active Go Digit motor insurance policy. On the morning of May 1st, his vehicle was damaged in a severe storm. He called CoverYou immediately. The intimation was logged, and the surveyor assessed the damage and approved roof repair, confirming it was safe and salvageable. But the workshop refused to act.
They insisted the roof should be replaced, not repaired, because it was necessary and easier for them. For 12 days, they strung everyone along, claiming that work had begun. In truth, not a single tool had touched the vehicle. It was a delay not caused by paperwork, but by poor ethics.
Challenge
The assigned workshop refused to follow the surveyor’s repair recommendation. They stalled work for nearly two weeks while misinforming both the doctor and CoverYou, and falsely claimed the surveyor was at fault and misrepresented the approval status. No work was done despite repeated follow-ups, creating unnecessary stress for the client.
Support from CoverYou
Our claim specialist intervened, explaining the technical issue to the doctor, replacing the roof unnecessarily could compromise the vehicle’s structure and violate the surveyor’s advice. The doctor agreed. We immediately contacted a reliable multi-brand cashless workshop, shared the roof damage photos, and got their confirmation that the repair, not replacement, was safe and doable. The vehicle was shifted the same day, and repairs began within hours, and everything moved fast from there. The doctor was updated at every step without any confusion or silence, only clear solutions.
Claim Outcome
The total amount that has been approved was ₹43,785.6 through the cashless claim settlement process, and the vehicle was delivered on May 29, 2025.
Total Delay Prevented: Estimated 2+ weeks had the original workshop remained involved
Client Feedback: Fully satisfied and posted a positive Google review on the CoverYou website
Impact
This wasn’t just a storm claim. It was a case of honesty vs. convenience. A client was almost misled into a more expensive, unnecessary replacement. But because he had CoverYou motor insurance, the outcome wasn’t just smoother, it was smarter. We didn’t just push paperwork. We stepped in when others stalled, offered clarity when it was needed most, and stood by a doctor who simply expected fairness.
Disclaimer
This case study has been anonymised where necessary to protect client privacy. All details are factual in the case.
