Insurance company rejects claim of Tata Altroz owner for not having ‘Google timeline’ data: Company says it approved claim in 1 day

Edit: The insurance company – Magma – reached out to us and said that they approved the customer’s claim in just one day.

Insurance is mandatory for vehicle that is legally running on the road. There are a variety of companies in the insurance sector that offer this service. Many people who purchase insurance for their vehicle often look for the premium and the IDV of their vehicle. Along with these factors, it is actually quite important to keep an eye of the claim settlement percentage. In case of an accident, people often rely of insurance to get their vehicle fixed as they have paid for it. Sometimes, the insurance company even declines the claim due to various reasons. Here we have one such incident where the insurance company rejected the claim of a Tata Altroz owner for not having ‘Google timeline’ data.

The video has been uploaded by Nikhil Rana on his YouTube channel. In this video, the speaks about a case where a Tata Altroz owner was involved in an accident. The owner of the car had taken insurance from a company named Magma HDI. It is not clear, if he got it from the dealership or did he buy it online. The owner had crashed his Altroz hatchback behind another vehicle and some of the panels were damaged. The bonnet was completely damaged and the headlamp on the left hand side and bumper were damaged. Other than this, the car also had other minor dents and scratches at other places.

The owner was completely uninjured in the accident. The owner decided to get the car fixed from authorised service center and claim insurance so that he does not have bear all the expenses. He started the process to claim insurance and when the surveyor from the insurance company came to inspect the vehicle, he asked for the google timeline location of the owner. To this, the owner responded that he never uses the GPS and the Google timeline is not available in his phone not only for that day but for any day. After inspecting the vehicle the surveyor told him that he cannot approve the claim as their is no Google timeline available.

The owner of the Tata Altroz has kept his location history off and he told the same to the surveyor too. The surveyor rejected the claim of the Altroz owner. The owner then posted the whole incident online and got interesting responses from other users. Many of them asked people to not go for such new insurance companies. It is always a good idea to check the claim settlement score of these companies before purchasing insurance. Many of these companies try to delay or rather reject the claims by pointing out some clause that goes unnoticed in the insurance documents. If the person driving the car does not own a smartphone, he would also face similar problems and that is not at all acceptable to a customer who has paid for the insurance. Many of them have even asked the owner to file a case in consumer court against the insurance company for declining the claim. We have come across incidents in the past where owners have deliberately damaged their vehicles to get the car repaired in insurance.