On a busy April morning in Bengaluru, a renowned heart surgeon met with an unexpected roadblock, quite literally at the Electronic City toll gate. Her newly purchased KIA SYROS suffered damage to both the front right and left rear doors. She reported the incident and filed a claim on her own. But when the insurer approved only half the damage, frustration set in. Thankfully, she reached out to CoverYou, and the moment she did, the wheels turned in the right direction.
How the case began and where it turned
- The unfortunate incident happened with a doctor on 6th April 2025, near the toll gate, leaving visible damage on both sides of the vehicle.
- The claim intimation was self, as the insured filed the claim directly with the insurer. Only one side was approved.
- On 15th April 2025, nine days later, she contacted CoverYou for support when the left-side damage was denied. The policy of the client has been active under TATA AIG since March 2025.
The Real Issue: One Side Approved and One Side Ignored.
Despite the damage being part of the same incident, the insurer’s surveyor only approved the front right side for repair. The left rear door claim was rejected, with the reason that it wasn’t related to the accident. For a car barely a month old and a doctor relying on it daily, that decision didn’t sit right.
We Took It Up Issue And Took It Higher
The moment we got the call from a doctor, our legal claim expert team acted fast. We reached out to the surveyor and insurer to challenge the rejection. The initial answer didn’t change. So, we went a step further. We helped the insured draft a clear, professional grievance email to the insurer’s escalation team. Within 24 hours, the insurer reopened the case and approved the repair for the left rear door.
The outcome of the process was different
CoverYou handled the case legally and professionally with the law, and the vehicle was fully repaired and delivered back to the insured on 24th April 2025. From delay and confusion to clarity and closure, all in just nine days after CoverYou got involved.
Claim status
The requested amount of the claim was â‚ą39,527 and was initially approved for â‚ą25,730. With the efforts of CoverYou, finally the claim settled at â‚ą38,277, and most importantly, the promise which CoverYou gives to the doctor while issuing the policy, the settlement of the claim was cashless, and finally on April 24, 2025, the claim has been successfully closed.Â
What the Insured Said
The insured was so satisfied that she went beyond a thank-you. After all the process, she left a glowing Google review on CoverYou’s official website; not only this, but she recorded a video testimonial with positive notes for CoverYou and the team. We always remember one thing: when someone puts their trust in us, we don’t just process claims, we protect confidence.
ConclusionÂ
At CoverYou, we understand how crucial every detail is not just in your policy but in your life. When something’s denied unfairly, we don’t accept it. We escalate, follow up, and fight for what’s right.
