Tata AIG surveyor denying headlamp damage after rear-end accident — what are my options?
Hi everyone,
Need some advice from people who’ve dealt with insurance surveyors before.
I recently got rear-ended in Bangalore while taking a right turn into a lane. The impact caused rear bumper damage, and during the same incident the front-right side of my Taigun scraped against a pole.
I immediately:
- raised a Bengaluru Traffic Police e-Accident report,
- filed an insurance claim with Tata AIG,
- uploaded photos,
- and took the car to an authorized VW workshop (PPS Motors).
The claim itself was accepted and repair approval was given for the bumper/body work.
However, the surveyor is refusing to approve the RH headlamp even though:
- the damage is visible,
- the VW workshop documented “FRONT & REAR IMPACT, RH HEAD LAMP DAMAGE” in the repair order,
- and the service advisor officially emailed me saying the RH headlamp issue will not be covered under warranty due to the observed damage.
The surveyor keeps saying the scratch is “minor” and not approving replacement.
I’m confused because:
- if VW says warranty may be impacted,
- and the damage is from the same accident,
- shouldn’t insurance cover it?
Has anyone successfully escalated something like this with Tata AIG or another insurer?
Would appreciate advice on:
- Whether I should escalate to claims manager/ombudsman
- Whether the workshop can push harder from their side
- Whether insurers usually reconsider after escalation
- If it’s worth pursuing or not
Would really appreciate guidance from anyone who’s dealt with similar cases.