How to File a Car Insurance Claim?

How to File a Car Insurance Claim?

Imagine this: You head out of town in your car when suddenly it collides with an auto coming from the other side whose driver cuts from the wrong side without giving proper indications. You apply the brakes, but in vain. The car hits the auto and boom! There are no serious physical injuries on either side and you feel relieved. However, your car is severely damaged and scratches are there on its doors. You know you are in trouble.

In case your vehicle is insured, you are well prepared for the expenses that may arise due to unforeseen situations. In other words, the insurer will cover all the losses/damages caused to your vehicle without putting a burden in your pocket. However, it is possible only if you have a clear idea of how to file a claim.

A claim is an amount that a car insurance company pays to the insurer as compensation for the losses or damages to the insured vehicle. Of course, the claim process will vary as per the type of loss, like vandalism, theft, collision, hit and run, etc.; there is a standard claim procedure which needs to be followed in all the situations. Here it is=

  1. Contact the police= You will have to inform the police about the accident as a police report may be demanded by the insurer. If you are in a state to visit the police station, you can go there yourself otherwise, ask someone to do it on your behalf.

 

  1. Inform your car insurance company= Inform the insurance company about the accident at the earliest by calling up at the toll-free number mentioned in your car insurance policy document. You will have to give policy number and driving license details to the insurer who will give you a claim number for future references.

 

For registering the claim, most of the car insurance companies in India have specified the time limit. Calling the insurer from the accident spot will also help you get some assistance, especially if you need your vehicle to be towed.

 

After the accident, park your vehicle in a safe place to avoid any subsequent losses. Also, shift your vehicle to a nearby garage as advised by the insurer. If the vehicle is taken to a network garage, i.e.; the repair centre who has a tie-up with the insurer, you can get the insurance form there also. Else, you can download the form from the insurer’s website. Note, when getting any work done in a non-network garage, first take the approval of your car insurance company.

 

  1. Survey by claim surveyor= Once the accident is reported, a dedicated claim surveyor will be assigned to you. He/she will investigate the situation and inspect the losses or damages. Be ready with all the documents, including duly filled claim form, a copy of the registration certificate and a copy of the driving license. If a third-party is also involved in the accident, the car insurer will carry out all the discussion on your behalf. However, make sure to provide every piece of information to your insurer.

 

  1. Submit documents= Along with the police report, there are many other accident-related documents which are required to be submitted. So, ask your insurer about all the importantdocuments and submit them to expedite the process.

 

At the accident spot, click photos of the damages caused to your car along with losses caused to the third-party. In any situation, photographic evidence is one of the effective ways to capture all the details of the incident. Also, note down the names and mobile numbers of eyewitnesses who are ready to help you with your insurance claim. Don’t forget to note down the insurance details of the other party involved in the accident.

 

From the time, the accident occurred until the claim is settled, save all receipts for ameal, lodging, etc.; as in some cases, the insurer also settles these expenses.

 

  1. Get the claim settled= Once the claim professional submits the report, you will get the cost estimation for fixing the car along with deductibles that you will have to pay from your pocket. In case you are not satisfied with the claim amount, you can inform your insurer and later, file a complaint with the state commissioner’s office and try to get things sorted before filing a case in the consumer’s court.

 

  1. Act smart= Though, insurance is meant to offer you comfort in case of losses or damages, it is strongly advised not to approach the insurer for every fender-bender damage. Consider the repair expenses along with the no claim bonus (NCB) amount that you will lose if you approach the insurer. Your claim may also affect your car insurance renewal premium rates, so approach the insurer only if repair charges are substantial.

In case your car is stolen, follow the above procedure, and submit both key sets to prove that the vehicle has not been stolen due to your negligence.

Remember, your car insurance policy will offer you coverage even if the accident happens out of the city. However, to prevent further damages, make sure to get your car repaired before driving as consequential losses will not be covered under your auto insurance policy.

Things not to do

  • Do not run away from the accident spot
  • Do not move your vehicle from the scene
  • Do not loose temper
  • Do not avoid informing the police
  • Do not avoid timelines of filing the insurance claim
  • Do not accept any claim amount unless you are ready to consider it as final

While filing the claim, make sure to follow the law, collect all the evidence, and keep your insurance company in the loop. Do not make any commitment or settlement without informing the insurer. Be honest, while informing the insurer and never hide details that may later show you in a poor state. Remember, non-disclosure of information can work against you and the insurer may even reject your claim.

Facebook Video Creation App Launch Announced

With an aim to empower its creator community, Facebook has announced that it is planning to launch a new app just for them later this year.

Essentially a video creation app, it will be made just for its star broadcasters, who are also the same folks who are deemed worthy enough to use Facebook Mentions – an app only available to verified accounts owned by journalists, celebrities and other online influencers, Engadget reported on Friday.

Apart from the access to Facebook Live, the new video creation app will have a new “creative kit” that includes tools like special intros and outros to videos, custom stickers, custom frames, among other tools.

Facebook Video Creation App Launch Announced

It will also have a Community tab, where the rich and famous can interact with their fans and followers on Facebook, Instagram and Messenger, the report said.

Reportedly, Facebook is also running a “small test” in India, of a video tab in the navigation bar of its flagship mobile applications.

Pressing the tab, which resembles a play button, brings up “an endless stream” of Facebook videos, from pages users follow and videos liked or shared by friends.

 

Vivo Under Display Fingerprint Scanning Solution Unveiled at MWC Shanghai 2017

Vivo on Wednesday at the start of MWC Shanghai 2017 showcased its new Under Display Fingerprint Scanning Solution, as well as its Digital Signal Processing (DSP) Photography Solution targeted for backlighting and night scene photography, and a Hi-Fi solution with an customised DAC decoding chip. As of now, no Vivo device with the fingerprint scanning tech is in production, but will be showing the tech on prototype devices.

The Vivo Under Display Fingerprint Scanning Solution is based on Qualcomm technology, and the US-based telecommunications giant separately detailed its own display, glass, and metal fingerprint scanning solutions at the tradeshow. Qualcomm will be showcasing its own under display fingerprint scanning technology at MWC Shanghai 2017 using the Vivo Xplay6, as seen in the above image. Like Qualcomm Fingerprint Sensor for Display, Vivo’s solution can scan through 1200-micron thick OLED display stacks.

Vivo claims its under-display fingerprint solution is the first to be “demonstrated by a smartphone manufacturer.” The Chinese company said that since the Vivo Under Display Fingerprint Scanning Solution doesn’t require physical button for the sensor, the solution enables the use of a “true full-screen display and an integrated unibody and mechanical waterproofing design.”

In a statement, the company elaborated to say, “In Vivo’s R&D plan, fingerprint scanning will not be carried out by an independent button or region. It will be realised more subtly under the screen, behind the metal shell, or even in the frame.”

Vivo adds, “based on ultrasonic technology, the fingerprint recognition technology can be further expanded to realize user interaction, such as gesture recognition, security verification and other fields, which will greatly enhance user experience.”

Vivo Under Display Fingerprint Scanning Solution Unveiled at MWC Shanghai 2017
Coming to Vivo’s other announcements from its keynote at the tradeshow, let’s start with the new independent Vivo DSP Photography Solution. The company claims the new tech will greatly “improve backlighting and night scene photography”.

Vivo says the DSP Photography Solution is designed to help users take pictures with “high quality and accurate exposure, and adjust the brightness of the image to make it better correspond to what is actually seen by the human eye.” It adds that the photography processing speed has also seen a boost.

The Vivo DSP Photography Solution allows smartphones to take multiple RAW images quickly, and can also reduce shot noise for night scene photography to a large extent. The DSP will also improve the beautification effects of Vivo’s Face Beauty Mode.

Finally, we come to Vivo’s new Hi-Fi audio solution including new customised DAC decoding chip and headphone amplifier technology. The new solution improves SNR, dynamic range, distortion, and output power, delivering an SNR of 122dB, dynamic range of 120dB, distortion of -111dB, and output power of 2.2VRms. The headphone amplifier utilises new processing technology to improve power efficiency as well as the overall audio experience.

“Major brands have been taking actions to take in an advantageous position in the market these years. From process innovations in smartphone casings to dual lenses for both front and back cameras, and finally design breakthroughs in appearance, the smartphone industry has entered a new round of technological competition.” says Alex Feng, senior vice president of Vivo, “We are set to increase our technology capabilities and bring better products to our consumers. That is how we keep our brand’s competitiveness in the long run.”

Qualcomm Fingerprint Sensors Unveiled at MWC Shanghai 2017, Including Under Display Offering

At Mobile World Congress Shanghai 2017, Qualcomm announced its new generation fingerprint sensors based on ultrasonic fingerprint technology, an upgrade over its Sense ID fingerprint technology. The sensors even unlock devices underwater, and work through displays. This last is especially pertinent in 2017, which both Samsung and Apple expected to release smartphones with fingerprint sensors embedded in their displays. Separately, the company also announced that its automotive platforms will be integrated in the infotainment system used inside upcoming vehicles manufactured by Chinese carmaker Geely.

First talking about the fingerprint scanning and authentication technology, Qualcomm says “The suite of features consists of sensors for Display, Glass and Metal, detection of directional gestures, and underwater fingerprint match and device wake-up.”

Notably, this new generation of technology is the first commercially announced “integrated ultrasonic-based mobile solution” that can detect heart beat and blood flow for improved authentication, as per Qualcomm’s claims.

Qualcomm Fingerprint Sensor for Display is capable of scanning through OLED display stacks of up to 1200 microns (micrometres), along with enrolling and matching, and Qualcomm Fingerprint Sensors for Glass and Metal can scan through up to 800 microns of cover glass and up to 650 microns of aluminium, the company said in its release. Comparatively, the previous generation was able to scan through up to 400 microns for both glass and metal.

“Qualcomm Fingerprint Sensors for Glass and Metal are designed to be compatible with the recently announced Snapdragon 660 and 630 Mobile Platforms, and Qualcomm Fingerprint Sensors for Display, Glass and Metal are designed to be compatible with future Snapdragon Mobile Platforms and non-Snapdragon platforms,” the company said.
Qualcomm says that in comparison to the previous generation, the new fingerprint solutions offer greater design flexibility to operators and OEMs. The Qualcomm Fingerprint Sensors for glass and metal are said to be available to OEMs this month, and will expectedly arrive with commercial devices in the first half of next year. On the other hand, Qualcomm Fingerprint Sensor for Display is expected to be available for OEMs in the fourth quarter of this year.

Qualcomm Fingerprint Sensors Unveiled at MWC Shanghai 2017, Including Under Display Offering

The company has said that it will be showcasing the new sensors for display and metal along with Vivo through a modified version of Vivo XPlay 6 smartphone at MWC Shanghai 2017.

Moving on to the second part of the story, Qualcomm has announced that Chinese carmaker Geely will be using the automotive platforms developed by the former for the infotainment systems in its upcoming vehicles. These infotainment systems come with integrated 4G LTE modem and use the Snapdragon 820Am automotive platform. Geely vehicles that will feature Snapdragon automotive platforms are expected to be available from 2020.

Select Geely models also be making use of the Snapdragon 820Am variant of the platform with an integrated X12 LTE modem, supporting up to 600 Mbps downlink and 150 Mbps uplink speeds, the company said in its release. This solution has been designed specifically to provide “exceptional in-car cloud connectivity to support key features, such as over-the-air updates, navigation with real-time updates, news and local information, emergency assistance and diagnostics,” Qualcomm said.

 

Qualcomm Snapdragon 450 SoC for Mid-Range Devices, Snapdragon Wear 1200 Platform Launched

At MWC Shanghai 2017, Qualcomm announced a host of new offerings, the most notable being the Snapdragon 450 Mobile Platform meant for mid-range smartphones and tablets. The chip brings upgrades over the Snapdragon 435 SoC in terms of battery life, imaging, and gaming performance as well. Alongside, the company also announced the new Snapdragon Wear 1200 platform and even highlighted the new Xiaotiancai Z3 kid smartwatch based on Snapdragon Wear 2100.

Snapdragon 450
Starting with the new Snapdragon 450 Mobile Platform, the SoC sports an octa-core ARM Cortex-A53 CPU chips built on the 14nm FinFET process that results in 25 percent increase in compute performance compared to its predecessor Snapdragon 435. Additionally, the integrated Adreno 506 GPU delivers a 25 percent increase in graphics performance over the Snapdragon 435. The Snapdragon 450 is claimed to offer up to 4 hours more battery life than its predecessor as well as up to a 30 percent reduction in power consumption when gaming. It supports LTE Cat. 6 connectivity with its Snapdragon X9 LTE modem, up to full-HD+ (1440×2160 pixels) resolution, USB 3.0, and Quick Charge 3.0 (zero to 80 percent in about 35 minutes) as well. It also comes with support for a large number of mobile networks with Snapdragon All Mode, and 802.11ac with MU-MIMO support.

Qualcomm Snapdragon 450 SoC for Mid-Range Devices, Snapdragon Wear 1200 Platform Launched

Qualcomm also notes that this is the first chip in the Snapdragon 400 Mobile Platform tier to support real-time Bokeh. This means that portrait mode could arrive on mid-range smartphones as well, and real-time Bokeh will allow you to just see exactly how your photo looks before taking the picture. It is also designed to support for enhanced dual camera at two 13-megapixel sensors, or single camera support up to 21-megapixel; hybrid autofocus; and 1080p video capture and playback at up to 60fps, enabling slow motion capture. The Snapdragon 450 also includes support for Qualcomm Hexagon DSP, which is claimed to enable multimedia, camera, and sensor processing at greater performance and lower power than the previous generation.

Expect companies like Xiaomi, Vivo, and Oppo to take advantage of the Snapdragon 450 and launch mid-range smartphones packed with features. The Snapdragon 450 is expected to begin commercial sampling to customers in the third quarter, and is expected to be available in consumer devices by the end of 2017.

Snapdragon Wear 1200 Platform
A new wearable chipset – Snapdragon Wear 1200 – was also launched at MWC Shanghai. Successor to the Snapdragon Wear 1100, the chip is meant for Internet-connected wearables, fitness bands, as well as tracker bands for kids, pets, and elders. The size of the chip is 45 percent smaller (79mm) than the predecessor and it supports LTE Cat. M1/NB1 connectivity that allows low-power wearables to enable 4G without using too much battery power. Location features include support for GPS, GLONASS, Gallileo and BeiDou constellations, low power geo-fencing, and Qualcomm Technologies’ cloud based location services with comprehensive global terrestrial positioning using Wi-Fi and cellular service.

The Snapdragon Wear 1200 also features an integrated applications processor for Linux and ThreadX based applications and is scalable to support voice over LTE, Wi-Fi, and Bluetooth. It comes with Qualcomm Secure Execution Environment, a hardware cryptographic engine, hardware random number generator and TrustZone for privacy and security. The Snapdragon Wear 1200 is shipping today, and devices with this chip will arrive in the market in the last two quarters.

Xiaotiancai Z3 kid smartwatch based on Snapdragon Wear 2100
Qualcomm also announced the Xiaotiancai Z3 smartwatch for children running on Snapdragon Wear 2100. One of its key features is that it is swimming-level waterproof, supports 4G multi-mode with bi-directional calling and delivers reliable indoor and outdoor positioning through a combination of Wi-Fi, GPS and 4G location triangulation techniques. The Z3 is based on Android, and is designed to seamlessly communicate with parents’ phones for constant know-how of kids’ whereabouts. The Xiaotiancai Z3 is expected to be available in China in July.

 

InFocus Turbo 5 With 5000mAh Battery Launched in India: Price, Release Date, Specifications, and More

InFocus on Wednesday launched its newest smartphone for the Indian market. The InFocus Turbo 5 features a massive 5000mAh battery, its highlight feature. The smartphone will be exclusively available via Amazon India from July 4 in Mocha Gold and Pure Gold colour variants.

The InFocus Turbo 5 price in India is Rs. 6,999 for the 2GB RAM/ 16GB inbuilt storage variant, and Rs. 7,999 for the 3GB RAM/ 32GB inbuilt storage variant. The dual-SIM (Nano+Nano) smartphone sports an all-metal design with a fingerprint sensor on the back claimed to unlock the smartphone in 0.5 seconds. The company is also touting fingerprint sensor shortcuts for selfies and flashlight.

infocus turbo 5 story

The smartphone runs Android 7.0 Nougat and sports a 5.2-inch HD (720×1280 pixels) display with 2.5D curved glass on top. The InFocus Turbo 5 is powered by a quad-core MediaTek MT6737 SoC (clocked at 1.3GHz) coupled with Mali T720 MP1 GPU and up to 3GB of RAM.

As for the cameras, the new InFocus smartphone houses a 13-megapixel rear camera with LED flash and a 5-megapixel front-facing camera. Both front and rear cameras have an f/2.2 aperture. It is offered with either 16GB or 32GB of inbuilt storage, which is expandable via microSD card (up to 32GB). Connectivity options offered by the InFocus Turbo 5 include 4G VoLTE connectivity, Wi-Fi 802.11 b/g/n, Bluetooth, GPS, and FM radio.

infocus turbo 5 launch event battery gadgets 360 infocus

Of course, the major attraction here is the 5000mAh battery pack that is rated to last almost two days on a single charge, deliver up to 34 days of standby time, 50 hours of continuous music playback, and 23 hours of video calling. The smartphone can be used as a power bank for charging other devices, thanks to its reverse charging feature. The InFocus Turbo 5 is 8.95mm thick, weighs 164 grams, and sensors include accelerometer, ambient light sensor, digital compass, and range sensor.

At the event, InFocus said it would focus on ‘full-screen’ bezel-less smartphones until the rollout of the 5G wireless mobile networks, and that it would launch a bezel-less smartphone later this year. The company says it is targeting sales of 6 million mobile units in 2017.

Samsung Galaxy Note 8 Renders Leaked Alongside Video, Dual Rear Camera Setup Tipped

Samsung Galaxy Note 8 is one of the most anticipated smartphones of the year, and not necessarily for all the right reasons. After the debacle of last year’s Galaxy Note 7recall, the successor has a lot to redeem. The smartphone has been leaked on several occasions in the past, and fresh leaks show us a full blown look at the Galaxy Note 8 from all angles.

OnLeaks in collaboration with 91Mobiles has publishedrenders, a 360 degree CAD video, and some additional information about the Samsung Galaxy Note 8. According to the render, the most notable change is the horizontal dual camera setup at the back with the fingerprint scanner located right beside in the top centre at the back. If true, this would be the first dual camera smartphone from Samsung. The back is made from glass, and the bottom edge is seen sporting the USB Type-C port, the speaker grille, the S Pen slot, and the 3.5mm audio jack. The volume and Bixby keys are both situated at the left edge of the device, and the power key is sitting alone at the right edge.

The front sports an almost bezel-less display barring the top chin where all the sensors and earpiece are located. The edge screen is still intact, and the phone sports a Black colour variant, however the report says that the smartphone will launch in Blue and Gold colour variants as well. The phone is reportedly also expected to be slightly thicker than the predecessor with 162.4×74.5×8.4mm dimensions, while the the Note 7’s measurements were 153.5×73.9×7.9mm. Perhaps this decision will not squeeze the battery as it had in the now infamous Samsung Galaxy Note 7.

Samsung Galaxy Note 8 Renders Leaked Alongside Video, Dual Rear Camera Setup Tipped

The Samsung Galaxy Note 8 is said to feature a 6.3-inch display with 18.5:9 aspect ratio and support for 2K resolution. The dual camera setup on the Galaxy Note 8 is expected to sport two 12-megapixel sensors and come with independent OIS (optical image stabilisation) for each lens. The Samsung Galaxy Note 8 has been tipped to pack 6GB of RAM and be powered by Snapdragon 835 or Exynos 8895 SoC (depending on the market). It is expected to house a 3300mAh battery, which is notably less than the 3500mAh battery on Galaxy S8+. However, after the explosion cases that were caused due to battery last year, reducing battery capacity might not be the worst of ideas. The battery will support fast charging and wireless charging.

The Galaxy Note 8 is tipped to support split-screen multitasking, the ability to pin notes to the Always-On Display, and the DeX dock. As per a recent news report, the South Korean company might launch the smartphone in late September at a price tag of EUR 999 (roughly Rs. 72,100).

OnePlus 5 Trade-in Offers Launched in Europe

OnePlus 5 was launched last week and while a bump in price over predecessors was already anticipated, the company officially announced that the two memory variants of its latest flagship will be offered at EUR 449 and EUR 499. It seems like the company knows its user base fairly well and in order to avoid the complications caused due to price sensitivity, it is now offering trade-in offers for the OnePlus 5 (Review) smartphone in Europe. With the OnePlus 5 trade-in offer, users will receive vouchers in exchange for their old smartphone in the next 2-6 weeks, and these vouchers can be used to purchase anything from the OnePlus online store.

How OnePlus 5 trade-in offer works
The open sales for the OnePlus 5 were started from Tuesday, which means that users can now order the device from company’s website and get receive shipments without any waiting period. Interestingly, the company has announced that there are trade-in offers available with the purchase of both 6GB RAM/ 64GB storage and 8GB RAM/ 128GB storage models. With these offers, customers will get certain amount of cashback in return of their old smartphone or tablet.

However, it seems like the company is not offering a great value in return of the devices submitted by customers. For example, if you try submitting an iPhone 7 Plus (32GB) that has no scratches, no liquid damage, and basically in mint condition, you would only get a cashback of EUR 250. If the phone has some scratches or scuffs, the value is likely to come down further.

OnePlus 5 Trade-in Offers Launched in Europe
Notably, the trade-in offer on the OnePlus 5 is available only for next 5 months. The offer is currently available in all European countries but not in other regions.

OnePlus 5 specifications
OnePlus 5 was launched last week, and sports a 5.5-inch full-HD display with wide colour gamut. It runs on OxygenOS based on Android 7.1.1 Nougat, is powered by the latest Qualcomm Snapdragon 835 SoC, and comes in two variants: 6GB RAM + 64GB storage, and 8GB RAM + 128GB storage. One of the highlights of the smartphone is the dual rear camera setup, featuring a 16-megapixel main camera and a 20-megapixel telephoto camera. There’s a 16-megapixel front camera on board, along with 3300mAh battery with Dash Charge support.

 

Asus ZenFone 4 Series Tipped to Launch With Five Phones in July; ZenFone 4 Selfie Specifications Leaked

Asus is known for its confusing lineup of smartphones, and by the latest leak, this year is going to be no different. Asus has been tipped to launch the successors to the ZenFone 3 family in July, and as many as five smartphones are incoming. The ZenFone 4 family will be divided into five variants at least – ZenFone 4 Pro, Zenfone 4 Selfie, ZenFone 4 Max, two ZenFone 4 variants, and a Asus ZenFone 4V.

The five Asus smartphones have been listed on the Google Play Store support sheet (shared on ZenTalk forum), and the phones are named – Asus ZenFone 4 (ZE554KL), Asus ZenFone 4 Max (ZC554KL), Asus ZenFone 4 Pro (Z01GD), Asus ZenFone 4 Selfie (Z01M), and Asus ZenFone 4V (V520KL/A006).

The Asus ZenFone 4 model has been listed in two variants and it may be because the company looks to offer it in two RAM/ storage variants. The Asus ZenFone 4 Pro model is a new variant in the mix, and it could be the most premium of all. The Asus ZenFone 4V is thought to be a Verizon exclusive variant.

Asus ZenFone 4 Series Tipped to Launch With Five Phones in July; ZenFone 4 Selfie Specifications Leaked

The Asus ZenFone 4 Selfie was spotted on GFXBench as well, tipping specifications. The device is listed as Z01M and it expected to run on Android 7.1.1 Nougat, sport a 5.5-inch full-HD (1080×1920 pixels) display, and be powered by a Snapdragon 625 SoC with Adreno 506 GPU, 4GB of RAM, and 32GB of storage. The selfie-focused smartphone will sport a 16-megapixel rear camera and a 12-megapixel front sensor – both with 4K support.

Lastly, the Asus ZenFone 4 Max model will be the direct successor of the Asus ZenFone 3 Max, and previous leaks indicate that the smartphone will support 4G, have a 5.5-inch (720×1280 pixels) display, and be powered by a Qualcomm Snapdragon processor. The processor could be either the Snapdragon 625 SoC or the Snapdragon 660 SoC. The smartphone is expected to run on Android 7.1.1 Nougat, the Qualcomm octa-core processor will be clocked at 1.4GHz paired with 3GB RAM and Adreno 505 GPU. The device is expected to offer 32GB of inbuilt storage. Lastly, the Asus ZenFone 4 Max is expected to sport a dual camera setup – one 12-megapixel sensor and another 5-megapixel sensor – at the rear. There is an 8-megapixel sensor at the front for selfies and video chats.

All of these smartphones were first expected to launch in May, but now they are rumoured to launch sometime in July.

Qualcomm Antitrust Lawsuit to Proceed, US Judge Rules

The Federal Trade Commission’s antitrust lawsuit against Qualcomm can proceed, a federal judge ruled late on Monday, meaning the iPhone chip supplier must now wage a fight with US regulators even as it contests a separate $1 billion lawsuit filed by Apple.

US District Judge Lucy Koh of the Northern District of California in San Jose denied Qualcomm’s motion to dismiss the FTC’s lawsuit, saying the agency’s allegations would amount to anticompetitive behaviour on Qualcomm’s part if proved true.

In response, Qualcomm said the case is still in its early stages. “FTC will have the burden to prove its claims, which we continue to believe are without merit,” Don Rosenberg, executive vice president and general counsel of Qualcomm, said in a statement on Tuesday.

The FTC sued Qualcomm in January, alleging the company engaged in anticompetitive tactics to maintain a monopoly on the chips that let cell phones connect to mobile data networks.]

The FTC highlighted Qualcomm’s “no licence, no chips” policy under which the San Diego company refuses to sell chips unless customers also sign a patent licence agreement and pay Qualcomm fees. Qualcomm refused to grant licenses to its rivals in order to keep a monopoly, the FTC alleged.

Qualcomm asked Koh to throw out the case, arguing that even if all the FTC’s allegations were true, they would not amount to wrongdoing.

Qualcomm, the largest independent maker of chips used in smartphones, is a major supplier to Apple and Samsung Electronics for modem chips that connect phones to wireless networks.

Qualcomm Antitrust Lawsuit to Proceed, US Judge Rules
Intel and Samsung, which are not parties to the case, filed briefs opposing Qualcomm’s attempt to the have the case dismissed.

Koh rejected Qualcomm’s arguments, ruling that the FTC had “adequately alleged” anticompetitive behaviour.

“We look forward to further proceedings in which we will be able to develop a more accurate factual record,” Qualcomm’s Rosenberg said in the statement.

Separately, Apple sued Qualcomm for $1 billion in January. Last week, Apple argued Qualcomm’s chip licenses are invalid under a ruling last month from the US Supreme Court. Apple’s contract manufacturers such as Foxconn stopped paying Qualcomm as that case proceeds, which in turn prompted Qualcomm to sue the contract manufacturers.

In addition to the complaint from the FTC, Qualcomm has faced a series of antitrust rulings and investigations from regulators across the globe, including China and South Korea.

The FTC’s case is No. 5:17-cv-00220 in the Northern District of California.