Questions & Answers
Breach of car repair obligation by the insurance company
My insurance company (Oman Insurance) took 22 days to get an estimation of the reason being major damage.
I inquired for a total loss and they said no as there was no chassis damage and the estimate was awaited. On the 24th day, I received a total loss offer letter from Oman Insurance asking to sign and acknowledge.
I accepted the offer and sent back the document. 2 days later the garage told me that they were working in the car based on the word of the estimator in spite of no LPO.
Oman insurance calls me and says that there was a miscommunication and the garage brought down the repair charges from AED 50000 to AED 20000 and that they will now proceed to fix the car.
I did not agree with them as I found that the car had a chassis damage. Oman Insurance changed tune all of a sudden to the car only having minor damages and the chassis will be fixed.
Can the insurance company take back an agreement on free will when an offer is accepted and has the company signature, seal and trade license?
Contradicting and conflicting statements have no value in the eyes of the law. Even it can affect the veracity of admissions made on the subject matter, however, the given situation is to be supported by admissible documents.
Kindly reach to me with all the documents.
If you feel there is a chassis damage get a report from a mechanic and submit it to them.You need to approach an advocate firm to assist you, probably to start with legal notice.
With best regards.
Mrs. Khan
