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Date: October 25th, 2013

Subject: Deficiency in services and false information.

I am writing this letter with deep regret to inform you about the trouble I encounteredwith regard to the vehicle insurance that I purchased from your company.

I had purchased vehicle insurance from your company for Chevrolet Beat car and

the policy no. is 14055323562. Attached is a copy of the Insurance Policy, marked

as Annexure I.

On 28thJuly 2013, while travelling on Chitradurga-Chellekere (Karnataka) main road,

I met with an accident and due to which the engine oil compartment of my car got

damaged. On the same evening, after the incident my car was towed from the

accident spot as it could not be driven. It was handed over to Trident Chevrolet

Service Centre for repair. I registered a claim with your claim department with Claim

No. 2131090699.

As there had been serious damage to the engine oil compartment of the car due to

the accident, the engine had completely seized and was not functioning. But this

damage to the engine is being termed as consequential damage by your Company,

even though I have repeatedly said that this damage was caused as a result of the

accident. The car was towed till the service station and I had not driven it once after

the incident took place.

Further, before the car was towed, I had contacted the customer care of your

company to check and confirm whether the towing charges are covered by the

policy. The customer care executives assured me that the towing charges of Rs

15,000/- was covered by the policy. Attached is a copy of the receipt of towing

charges and is marked as Annexure II.

However, after towing and reaching the service station I received a call informing me

that the policy had no coverage of towing charges. I was completely taken aback and

shocked as your companys executives were the ones who gave me false assurance

me that the towing charges were covered. Had I known that I would face such a

situation, I would have taken different steps towards solving the situation, instead of

relying on your untrustworthy executives.

I have tried speaking with your executives about the issues regarding the towing

charges and the engine seizure but nothing has come out of my repeated attempts

as they are not ready to accept their fault and are indifferent towards the troubles

that I have been facing. Last not the least is that the car is still in the garage and I

have not received any kind of confirmation regarding the steps taken to repair the

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car. It is your responsibility to keep me aware or notified of process which is being

followed after I gave the car; I am your customer and that is the least I can ask for.

As a consequence of your deficient service and the repeated incompetency

displayed by your employees, I have suffered undue hardship and mental frustration.

I would like to emphasize that:

You have been grossly negligent and unprofessional in your approach.

I have undergone extreme stress and mental agony because of your deficient

service.

Given the above sequence of events, I request you to immediately repair my cars

engine and oil compartment and pay me the Rs. 15,000/- for the towing charges.

Further, I request you to compensate me with an amount of Rs. 20,000/- for the

extreme stress and mental agony you have caused to me.

In case you fail to look into the matter within 15 days from the date of this

letter, I would be forced to:

Ask my lawyers to file a consumer complaint against you for gross

negligence, deficient service, as well as additional compensation for mental

agony and legal costs;

Ask my lawyers to consider the filing of a civil suit against your company

Start a sustained online campaign spreading the word about the appalling

level of service that I have received from you; and

Issue press releases online and in the print media.

I hope that I do not have to take these steps and look forward to an amicable

resolution of this issue.

Warm Regards,

[Raghav Bharadwaj]