Consumer Redressal

I am owner of vehicle No. HR 26EF 6627, which is a SUV of Volkswagen brand Tiguan. It was ensured with United India Insurance Company vide policy No. 2214003120P110316209. There were heavy rain on 26th 27th July when I visited my relatives. Vehicle was parked outside residence of my relative in sector 52 Gurgaon. In the morning when we started, steering wheel was hard and power steering was not working. We took the vehicle to Frontier World Service station in Section 52 Gurgaon. They told that water has entered steering wheel rack and will have to be change. They got the form filled and dictated what to write. They took driving licence of Lalit Mohan who work for me. They dictated me to write that vehicle was moving at speed of 20-30 km per hour whereas it was parked infront of house of relative. This is not an accidental case as all exterior are intact and only steering wheel was damaged due to water. Surveyor Virender Yadav tried to contact me number of times and also through Rahul of Volkswagen. My insurance claim has been rejected on the ground that driving licence is valid for motor cycle only. It is pertinent to mention that water entered in standing vehicle and there should not have been need of driving licence. Notwithstanding this, driving licence is endorsed for LMV Comm and motor cycle. It is valid for TR upto June 2019 and Valid for NT (Non-Transport) upto 2028. NT used here is for LMV-NT and not for MCWG. After supreme Court order in 2018, classification between TR and NT has been removed and MoRTH and issued notification No.RT-11021/44/2017-MVL dated 6th April, 2018. According to it there is no need to endorse for TR in case of MCWG and LMV. Hence, when Lalit Mohan visited transport authority in 2019, he was turned back by saying that licence is valid for LMV and there is no need to endorse for LMV Comm. I visited MLO office is Dwarka and he explained that driving licence is valid to drive LMV and insisted if the insurance company send me letter, I will reply in one day. Insurance company has not send any investigation, whereas Mr. Bhoj Raj and RK Chorasiya claims that investigation report was seen. This is blatant violation of the Supreme Court order and rejection of claim on fictitious grounds. They rejected insurance claim without informing me any ground and without my explanation. Please insurance claim should be refunded along with business loss and mental agony