Rajpal Toyota Bhopal - Insurance Misrepresentation by Rajpal Toyota

Respected Sir/Madam,

I am Lt Col Abhijeet Sawant, a serving officer of the Indian Army, currently posted at Bhopal Military Station (SI Lines). I am compelled to issue this formal legal communication concerning a serious breach of responsibility by your dealership which has caused me operational, financial, and personal hardship.

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*. Incident Reference
• Vehicle: HP**A****
• Insurance Policy: Bajaj Allianz No. TBA/********
• Insurance facilitated through: Rajpal Toyota (Bhopal)

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*. Nature of Complaint
• Rajpal Toyota staff entered and submitted No Claim Bonus (NCB) details without my knowledge or consent, while facilitating the policy.
• This misrepresentation has resulted in the rejection of a valid insurance claim by Bajaj Allianz, and I am now being wrongly accused of insurance fraud.
• These actions constitute fraudulent misrepresentation, deficiency in service, and gross negligence.

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*. Consequences of the Dealership’s Actions
• Insurance support was denied at a critical time due to your staff’s false declarations.
• I have been subjected to mental distress, legal complications, and unnecessary reputation risk as a defence officer.
• Additionally, due to the continued unavailability of my car, I have incurred:
• ₹*,*** per day in commuting losses,
• Inability to perform essential daily chores.
• Failure to respond promptly to a medical emergency, all directly traceable to your dealership’s mismanagement.

These cascading effects represent real, measurable harm beyond documentation.

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*. Immediate Escalation

I am formally escalating this matter to:
• Toyota Kirloskar Motors (voc@toyota-kirloskar.co.in)
• Relevant automotive consumer regulatory bodies, and
• Press and media outlets, to safeguard public interest and consumer awareness.

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*. Closing Declaration

This correspondence and the enclosed legal notice are being issued without prejudice to any and all legal remedies available to me under Indian law. I reserve the right to pursue this matter in appropriate judicial forums.

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Sincerely,
Lt Col Abhijeet Sawant
Indian Army