Inaccurate Motor insurance Claim Settlement

I had insured my car with Reliance General Insurance Company from last five years. On 5th July 2016 there was very heavy rain in the City, by evening when I travel from my office to my home there was water over the road, I reached my home and there was no trouble in my car even my car was not stopped in any movement during the traveling to my home from office though the water level in some places reached on the tyre level of my car. Next day also heavy rain so I could not go to my office, next to next days i.e.07/07/2016 when I ready to office I found that my car was not in working condition there was water in the floor of my car and battery was down, then I call to Chevrolet work shop to tow my car for repair but due to over load in workshop and holidays on occasion of Ide and Sunday they was able to tow my car on 12/07/2016. On 14/07/2016 they informed to me that there was damage in the engine of the car and there will be heavy cost of repair the estimate cost was 1.5 Lakhs. Due to major damages and heavy amount of repair I decided to lodge claim on 14/07/2016 against such damage due to rain and flood.
Finally the repair bill was prepared on 30/07/2016 for amounting Rs. 66265.26 and intimate to us. After telephonic discussion with claim settling authority of Reliance insurance company the workshop in-charge was informed the estimated amount of claim will be 39000 -40000 approx. remain customer liability will be 27000-28000 approx. accordingly he had handed over the Car to me on 11/08/2016 by depositing of Rs. 30000/- rounded off on hire side of the customer liability and committed that the extra amount will be refunded after final settlement of claim.
I was shocked to know that my claim was settled only Rs. 15751/- which was approx. 23% of claim amount, it is not digestible and acceptable to me because it is not justified. At the time of delivery of car claim settling officer has estimated the claim amount after verification of my claim file and confirm to the work shop in-charge before handed over the car. more  

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Approach consumer court for remaining amount & damages more  
sir, I am trying clarify view point of insurance co., and do not attempt to discourage you. As I understand insurance terms, if the assest, insured, is knowing mishandling ( viz driven thru water logged area) is NOT CONSIDERED under terms of INSURANCE claim definition since it is known act and not accident however better to check with respective insurance co's policy terms more  
You can lodge complaint to insurance ombudsman of your area. more  
All these Car Insurance companies are very dishonest. It happened with me also. more  
Sri.Chandrashekar Sharma is absolutely right.I endorse his views. I quote " "However if the workshop has done work other than directly caused by the rainwater damage (subject that being covered by the policy), that would not be paid for by the Insurer. I fail to understand why if the repair charges would have been 1,50,000/- initially how they dropped to 66000 and odd. If there is a signed settlement for the amount intimated to you, of course you can seek arbitration against the insurer, before filing a suit for recovery of dues. Before paying Insurance , you have to read the conditions thoroughly laid by the Insurance companies.This is common mistake by everyone of us. more  
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