They Rejected the Claim due to car was on hire basis.Attaching the Letter
I used my Car for daily Office purpose with My Driver
in my Company (L&T) you need a separate pass for Vehicle entry.
The First accident Scenario was like
The bad luck is my insurance was renewed on 14 Jan 2012 online
The Surveyor came on 15 Jan 2012 for Inspection he took all photos
and the car had accident on 16 Jan 2012 Morning
by that my claim got third party investigation due to claim instantly after few days of renew.
Now the Investigator came to my office, he took the all details like my L&T I card, DL, RC book, Policy Paper, My Bank Statement,
than he moved to Security Main gate of My Company he got the details of my car like in - out time, Gate Pass Copy,
by all above documents he proved that my car is on contract basis with L&T.
and he said for query you have to approach Consumer Court
After this i learned that never give your personal details to Insurance Surveyor or Investigator
i made huge mistake by giving gate pass copy, bank statement & my i card.