Vehicle accident and insurance claim
Vijaya Bhaskar
(Querist) 23 December 2016
This query is : Resolved
Dear All
This is to inform that our trust vehicle met with an accident today evening the details as follows
Our tempo traveler driver (staff) was dropping our staff to bus stand and was returning to office, during his return to office, he was behind a lorry truck, The lorry driver suddenly put the break and failed to move on account of this our vehicle hit the lorry from the backside since the lorry driver abruptly put the break and stopped.
There were a couple in the tempo where a mild injury has caused to the woman on her leg, she was immediately admitted in the hospital followed by an Xray, where the doctor said there is no danger as such, However she needs rest for 24 to 48 hours.
The hospital officials immediately sent the information to traffic police station and registered as MLC. Where both the vehicles are in custody.
Our vehicle is insured and have all the related documents on record. We are told to come and meet the police officials tomorrow to tell our decision to file FIR or not. We have decided to file FIR.
1.Should we file FIR? Will we be eligible for insurance claim if we file FIR.
2. Without FIR can we claim insurance?
3.Do we need to hire an advocate?
4.What will be the procedure from police side and insurance side
Please treat this query as an emergency and look forward for your kind and needful guidance.
Guest
(Expert) 23 December 2016
No need of advocate which would be additional expense.Go to Police and negotiate with other side and go for amicable settlement to save your time and money for which police also would help you.For any Insurance Claim for Vehicles up to Rs.20000/- FIR not Required.Consult with your Insurance agent
Rajendra K Goyal
(Expert) 23 December 2016
You said:
Should we file FIR? Will we be eligible for insurance claim if we file FIR.
Reply:
Trust vehicle collided the Lorry from behind, it seems trust vehicle was at fault, driver may be in trouble.
You said:
Without FIR can we claim insurance?
reply:
Minor damage to vehicle may be claimed, for details refer insurance terms.
Rajendra K Goyal
(Expert) 23 December 2016
You said:
Do we need to hire an advocate?
Reply:
If trust file FIR, no need to have lawyer, State would proceed. If Insurance claim rejected, may engage lawyer for consumer forum complaint.
You said:
What will be the procedure from police side and insurance side
Reply:
Depend on the matter before them.
Vijaya Bhaskar
(Querist) 02 January 2017
Thank you very much for your valuable suggestions.
Regret for the delayed response.
Guest
(Expert) 02 January 2017
Welcome please
