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Thread: Motor Vehicle Insurance And Claims

  1. #11
    Rusted Aryan's Avatar
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    Query Approved.

    Oh! This is a very sad thing to have happened. Good to know that you are not hurt. As for the lady and the Police complaint, if the lady is alright, then I guess there is not much harm done. However, if the lady is seriously injured, etc., that can get you into quite a hassle.

    As for the insurance, I guess the insurance claim procedure would remain the same as in the case of any other crash. However, you would need to discuss this with the insurance agent(s).
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    Rusted aargee's Avatar
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    IMO, you don't need an FIR for claiming insurance to repair the vehicle; however if you need FIR to protect you from other legal implications, you can go file an FIR either as the old lady crossed or as a self confession which will be a headache as usual.

    IMO, you can both get on to compromise instead of filing FIR; if you the old lady do not file a FIR, just remember to get a sign or thumb impression from the old lady & yourself on a stamp paper or a revenue stamp affixed A4 sheet narrating about the accident, your expenses & compromise with her on mutual agreement.
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  3. #13
    Moderator antz.bin's Avatar
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    Thanks Aryan for the quick approval. But the problem is, that the lady was badly injured in the crash with head injury and multiple facial fractures + fractured jaw + lost teeth. She is in a stable condition right now, but in ICU and pending surgery for the fracture in the chin region.

    What happened was, i was returning from Pune to Nasik (i rode to pune day before yesterday) and was about 15 km from Nasik (Pune - Nasik = 220 km) when this old lady, was crossing the road in a civilized manner. the road was clear (after a long time as there were traffic jams caused due to people walking from Mumbai to Shirdi occupying half the road.)

    As the lady had reached the middle - marker of the road, and had succesfully crossed MY side of the road, i promptly moved my line to the middle of the lane and away from the lady. All of a sudden, the lady decides to turn around and starts running back towards where she came from (and back into my lane + eventually my line.) In this sudden running, she gets disbalanced and crashes left-side-of-the-face-first into the fairing giving me no exit route + chance to brake + save her.

    After we all fell down, i checked myself first. no bruises, nothing as i was wearing, Brand new Vega helmet + new knee pads (which i had bought from pune) + cramster raptor (now torn) + cramster twister full leather gloves. The lady was lying on the side of a road unconscious in a ditch. In a few seconds, the entire village (around 45 odd people) had surrounded me and the accident spot, when someone of those tried to manhandle me. As soon as that happened, i declared that i wanted to do a police complaint first (in order to change their direction of thinking). Then i called up home to inform and shouted at the people around to help take the lady to the hospital. Took 2 autorickshaws from the spot to the nearest govt. hospital, then shifted her to private hospital just to save her life. Eventually diagnosed in CT scan to be Brain-OK.
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    • Glad that you are unhurt.
    • Register a formal complaint/FIR to avoid future complications, irrespective of the fact if its needed for claiming insurance or not.
    • At the risk of sounding rude, I am not sure about that CT scan result.
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    Yoy need to file a FIR+have a report from the police and from the MVI for claims for the third party as well as for your bike.Better consult an insurance advisor.
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    Quote Originally Posted by fohimuddin View Post
    Better consult an insurance advisor.
    99% of them know nothing.

    Your only bet is an advocate specialized in accident cases. There would be a bunch of them. You just need to approach some and ask for it.

    A third party claim is made only upon a court order.

  7. #17
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    So it means i specifically want them to lodge complaint (coz i have already made the report + statement from my side). but then in that case if she sez that it was all her fault in her statement.. still we wont get any claim.

    I feel its time we got her shifted to a govt. facility. as this pvt. hospital is proving too expensive and i am not hopeful of any 3rd party claim coming from insurance..

    P.S.: The concerned Neurosurgeon (is a family friend) who saw the CT scan report specifically told me "Sirf dashboard toota hai.. machine theek hai" (English translation "Just the dashboard is broken, machinery is alright" so i wouldn't doubt that). Face X-Ray was seen by a dentist (My best friend) and concluded that the jaw would require surgery but broken teeth were probably due to bad oral hygine followed, a few were actually not there even before the accident as confirmed by the woman's son. And actually the dislodged teeth was a good thing for her as it would anyways have been extracted for the surgery.
    Last edited by antz.bin; 03-22-2010 at 01:55 AM.
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    Quote Originally Posted by antz.bin View Post
    P.S.: The concerned Neurosurgeon (is a family friend) who saw the CT scan report specifically told me "Sirf dashboard toota hai.. machine theek hai" (English translation "Just the dashboard is broken, machinery is alright" so i wouldn't doubt that). Face X-Ray was seen by a dentist (My best friend) and concluded that the jaw would require surgery but broken teeth were probably due to bad oral hygine followed, a few were actually not there even before the accident as confirmed by the woman's son. And actually the dislodged teeth was a good thing for her as it would anyways have been extracted for the surgery.
    Well, this is much serious than what I'd thought ; Approach a reliable lawyer experienced with accident cases & complete the FIR process as soon as you can with his help.
    Skill is what keeps you on a Motorcycle
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  9. #19
    Moderator antz.bin's Avatar
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    Update on day 28:

    Regenerative Surgery was performed on jaw on March 26 (day 6).
    Statement of woman could happen only on April 10(Day 21) due to her immobilised post-sugery jaw.
    Woman discharged from hospital on day 24 (i.e. after 24 days of hospitalization) (13 April) total hospital bill paid >60k
    Bike finally reaches PBK on day 27 (16 April) estimate received of 19k
    Insurance claim documents (minus police documentation mentioned below) submitted Day 28 (17 April)

    Total money paid to buy bike on Aug 4 2009 (Rs.78220) < total expenses in accident.(above)

    Update on Day 29 (April 18): Went over to police chowki at 1PM. From there on, went to accident spot, explained when + how + where + what happened. Panchnama copy will be handed over on 19 April (Day 30) at 8 AM. (the guy is on night duty from tomorrow.)

    Day 30 (April 19) Went to Police chowki on 19th morning at 7:55 AM for ^^ . But papers weren't done. Still gave signatures + witnesses signatures and was told to report to court on 20th morning as my case would be held at 11AM.

    Day 31 (April 20) Went to court at 10:30AM for my case. Wasted time till 1PM. Got stood up. No papers came from police, no case heard. Time wasted in the heat. Anyways, went to PBK to check on the bike. Progressing well. Would be done by 21st. In the evening, complained about the morning incident to the seniors of the person handling my case. Threatened that I would complain to Police Commissioner if things are not hurried up now.

    Day 32 (April 21) Got a call from PBK at 11:18AM. Bike ready for delivery. Total bill = Rs.10400. No sign of insurance money coming anywhere soon. @ 1:00 PM, Reunion!! Felt like heaven.. even in the 40+deg summer heat.. I had never thought i would eventually miss it so much.. anyways.. hopefully will get police documents tomorrow morning.

    Day 33 (April 22) Judgement Day! (Literally)
    Called up police guy (Head Constable) in the morning @ 8AM. He tells me to come by between 11-12AM. So i call him again at 10:45, he doesn't answer. Kept trying till 11, no answer. Papa gets pissed, sez he wants to complain about this in Police commissioner office. At 11.15, we head to Police commissioner office (which is like 800 mt from my house), head to the office of an old contact. He wasnt there, but there was a youngish fellow in his office, in uniform(khakee) but not wearing shoes, so, decided to consult him on our situation. We told him everything what has happened in like 90 seconds, he picks up his phone, makes a call, and tells us to go to my concerned Police Chowki and meet the fellow. While going out, i try to read his name(off his badge).. it said paro..(sumthing i didnt properly read)

    @11:30AM, We call our head constable fellow again to check status (from inside the car). He tells us to come over, we were on our way.

    @11:50AM, We reach Police chowki, and see the head constable (Off duty BTW) sincerely completing paperwork in front of my eyes, i could'nt believe my eyes! Soon, he started returning my stuff, Insurance cover note, Driving license(both originals). During the time he is writing, he briefly mentions the name "Paropkari".. I ignored this. Soon we head towards Police Station (which is 300 mt away from Chowki) as panchnama requires signature of Station Head (Senior PI).

    @12:15PM We reach Police station, the Head constable is running around frantically trying to complete all formalities and to the copies and getting them attested! I was still like . Suddenly Senior Police Inspector calls us to his cabin. Makes us sit down. Asks us if we need anything.. we were still . Calls head constable, tells him to hurry up the Non Cognizable case and get it to court at the earliest. Then he tells me to go to court and accept the mistake, pay 1k fine and leave. Then all of a sudden.. he pulls out his phone, calls up someone, addresses him a "Sir", and tells him Bhatias are here, and their work here is almost done.

    Then he asked me, "Is ACP Paropkari your friend?"
    I said, "Yes"(That was the moment i realized that the person we ran into at Police Commissioner office was an ACP)

    Anyways.. at 12:40PM, We head toward court with all documents duly completed / signed / returned. We meet the constable who will be getting our case papers registered and getting my case done. For the record, I was booked under section 184 of motor vehicle act(Rash and negligent driving). I was told "Aap khaana kha ke aao, aapka case 2.30 ko lagwa dete hain." (Please go home and have lunch, we will get your case heard at 2.30PM)

    @1:00 PM, we started for home, but could not return to court till 2:57PM.

    @3:10 PM, My case was heard, I pleaded guilty. At 3:11PM, the judgement was passed, Fine of Rs.1000.

    @3.20 PM, Fine paid, copies of fine paid receipt made, we head to insurance company to submit the copies of documents received through the day today.

    @3:40 PM, We reach Insurance company, do the aforementioned, talk to the branch manager(who happens to be my neighbour)[relevant details of the conversation to be mentioned in a later post].

    @4:10 PM, Reached home.. and.. finally FREEDOM!
    Last edited by antz.bin; 04-24-2010 at 12:49 AM. Reason: Updates
    Advice is a form of nostalgia.
    Dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it's worth.

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  10. #20
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    Smile How to claim your bike from the Insurance Company

    hey guys ANY 1 having any IDEA about how to do INSURANCE CLAME after something happen to bike .

    what i know is first give a F.I.R to the local POLICE STATION .

    then inform the INSURANCE COMPANY .

    N then to the SERVISE CENTER WHERE you SERVISE ur BIKE .

    LEGAL DOCS ;

    1. REGD BOOK
    2. INSURANCE COPY
    3. VALID DRIVING LICENCE
    4. TAX TOKEN

    AFTER INFORMING THE INSURANCE COMPANY , THEY WILL SEND A SURVEYER

    TO SEE THE VEHICLE , WHAT TYPE OF DAMAGE IS THERE , WHAT PARTS YOU HAVE CLAMED THEN HE WILL SEND THE REPORT TO LEGAL DEPT .
    AFTER THAT ITS THEIR DUTY TO CLOSE THE CLAME AS SOON AS POSSIABLE .

    BUT NOTE THEY HAVE * CONDITIONS APPLY FOR CLAME .

    THERE IS A LIST OF THAT IN BACK SIDE OF UR POLICY .

    SO DO ALWAYS UPDATE UR DOCS OF UR VEHICLE .
    N READ THE FOLLOWING CONDITIONS CAREFULLY

    HOPE THIS WILL HELP U IN UR LIFE .........

    NOTE ANY MORE POINTS REGARDING TO THIS WILL BE HIGHLY APPRECIATED.
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