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Motor Accident Claim chunchanga hriatturMV Act

: As per Section 146 of Motor Vehicles Act 1988: ‘No person can drive a vehicle without proper insurance’, which reads as under:
146. Necessity for insurance against third party risk. —
(1) No person shall use, except as a passenger, or cause or allow any other person to use, a motor vehicle in a public place, unless there is in force in relation to the use of the vehicle by that person or that other person a policy of insurance complying with the requirements of this Chapter:
[Provided that, in the case of a vehicle carrying, or meant to carry, dangerous or hazardous goods, there shall also be a policy of insurance, under the Public Liability Insurance Act, 1991. (6 of 1991)]

2. Package Policy (First Party): Third Party bakah motor accident a huam tel a. Motor chesuala chhia/kangmei/bo engpawh a huam vek a ni. A huam loh ve thung erawhchu rubber washer te, glass te, tyre te,... etc a ni. Mahse, hengte pawh hi add-on belha pawisa tlem chawi belhin a huam tir theih tho.

Tin, kan hriat loh fo chu a hlutna tlak hniamna (depreciation) hi a ni. Hmanrua reng reng hi a upat ang zelin a hlutna a tlahniam thin tih kan hre theuh awm e. Vawiina phone thar i lei kha thla ruk hnuah hralh leh dawn ta la, a thar ang hlakin la tha pawh ni se a thar man atangin 20% vel tal chu i hniam a ngai ang. Chutiang tho chuan insurance-ah pawh hian chhut a ni a, thla ruk (six months) zelah 5%-in a hlutna hi tlahniam (Depreciation) anga chhut a ni. Entirnan; Motor accident repair-na kan lo claim ta a, radiator chhia chu a tharin an lo thlak ta a, radiator kha rei tak i lo hman tawh avangin insurance company-in a thar man an pe dawn lo che a, a rei tawh dan azirin a loh berah 5% depreciation paihin an pe dawn chauh che a ni. Chubakah, work charge hi standard rate awm a nih avangin lo bill tam vak pawh ni la all india standard rate thovin an chhut sak ang che. Chutiang chu anih avangin kan claim-a bill kan thehluh zat zat kha kan claim chhuak dawn lo tih a chiang mai awm e.

Chutiang bawkin motor kha lo kang chhe vek se motor thar man nilovin a rei tawh dan azirin depreciation an paih ang a, chumi bakah scrape value (motor ruang thirchhe rate-a hrlahna rate) kha an paih sak bawk ang che. A bo a nih pawhin a hlutna chu a upat dan azirin an paih then sak tho dawn che a ni.

Claim harsa? Hemi chungchang hi chai fe tham a awm bawk. Claim hi a harsa lo a, documents erawh neih that angai thung. Documents ngai ang ang kan thehluh fel thlap chuan ni 45 chhunga claim tih chhuah ngei ngei hi company policy leh kalpui dan a ni a. File pending a awm pawhin company lam hotute atangin tifel vat turin nasa takin min nawr thin zawk a ni.

Claim harsa kan tih chhan? A tlangpui thuin ka hriat ve phak chinah claim chungchanga harsatna tawk te hi chu document fel loh vang a ni zel. Driving license, fitness, tax, plying permit, polution certificate,.. etc eng emaw ber felfai lo a lo awm chuan harsatna a siam thin a ni. Tin, hei bakah hian Mizoram-ah surveyor kan neih loh avangin surveyor nghah chhung hi hun tlem a kal bawk thin.

Sum sen ngai? Claim dawn hian sum sen a ngai reng reng lo a, claim form fill-up hnuah document tul dang te nen thehluh mai tur a ni a. Khawiah mah sum senna tur a awm lo. Sum sen ngai kan tih thin hi chu thamna kan pek thin vang a ni. Surveyor te hnenah claim amount tih tam duh vang tein emaw file khawihtu hnenah a chhuah ran theih nan emaw kan lo pe a nih chuan dan piah lam a ni a, insurance company lam kan dem thei lovang. Dan dik taka tih khan dan ang takin kan claim kha a lo chhuak mai dawn a ni. Surveyor hnenah emaw staff tu emaw hnena sum kan pek hian a fel hma phah lova claim a tam phah thei hek lo tih te pawh hi kan hriat atan a tha hle. Tin, dan ang thlapa claim kan thehluha kan claim chu tihfel (settled) a nih mai loh chuan a chhan leh vang company lamah kan zawt thei a, chuta kan lungawina kan hmu lo a nih chuan court lamhah insurance company te hi khin theih reng a ni, chutiang nikhua min lo tanpui tur MACT ukil te pawisa chawi ngai lovin sawrkarin a dah sa reng tih kan hre dawn nia.

Claim chhuah chhung hi a rei? A chungah kan sawi tawh ang khian package policy motor accident claim chuan a delay-tu ber chu surveyor a ni thei a. Surveyor te hi company mi leh sa an ni lo a, ukil ang thoa license nei a tul huna company leh mipui ten hlawh neia kan rawih a ni. Insurance claim hian motor neitu nilovin insurance company ten hlawh an pe thin a, chuvangin keini a claim-tu ten kan lo pek ve a tul lo. An phut a nih pawhin insurance company-ah report mai tur a ni. Tin, claim rei chhan dang leh chu document leh bill kan thehluh har thin vang a ni thei bawk. Hei hi chu a claim-tu te lam chan a ni a, company lam chuan thehluh fel vata chinfel vat vat a duh thin tih kan hriat a tha awm e. Document an dawn fel hnuah ni 45 chhungin an ti chhuak ngei ngei tur a ni a, an tichhuah tlangpui bawk. Kan claim thehluh tur kan thehluh fel vek hnuah a chhuak thei lawk lo a nih chuan company lamah kan zawt fiah tur a ni a, kan survey khan a lo tifel lo a ni ve thei. A chhan hriat chhuah vat kan tum tur a ni.

Third Party claim a nih erawh chuan court thu chhuak nghah a ngai a, a rei zawng sawi mai theih a ni lo. A case azirin a fel hma thei a, a fel har ve thei bawk. Court thu chhuak erawh chu a rang vut vut thei lo tih chu kan hriat tlan vek a nih kha.

Tlangkawmna: Chuti chuan hetiang thil avang hian khawvelah buaina tam tak a chhuah thin avang leh India ramah ngei pawh luman/zangna dawmna chungchanga tan in thleng, a tuartu (victims) te tana hnemhnanna awm chuang si lo ang hi mipui tam takin an tawk thin a. Chuvangin Supreme Court chuan order siamin a order angin sawrkar laipui chuan Third Party tala motor insurance hi tih ngei ngei (Mandatory/Compulsory) tur a ti ta a ni. Chumai bakah private motor te bikah phei chuan renew theihnghilh/ngaipawimawh lo an tam thin avangin motor tharah phei chuan two wheeler-ah kum nga (5 years) leh car-ah kum thum (3) tal tih lawk ngei ngei tur tih thupek a chhuah ta a ni.

Heng zawng zawng hi insurance company ten an tih a ni lo a, sawrkar laipuiin a duh dan a duan angin insurance company te hian an ti mai zawk a ni. Tin, insurance premium rate pawh hi India sawrkar hnuaia IRDA (Insurance Regulatory and Development Authority) ten India rama motor accident tam dan leh chumi avanga claim amount tam dan te an chhut tlap hnua a awm tawk tur an duan (fixed) a ni a, insurance company ten an duh dan danin an tidanglam thiang lo.

Insurance hi India sawrkarin mipui te himna (Social security) vawn himna atana a siam a ni a, legal documents a ni. Chumi lo khawih danglam (forged) chu dan bawh chhiatna lian tak a ni tih pawh kan hriat a tul a. Motor neitu leh insurance diklo lo siam saktu chu dan hmanga hrem theih a ni a. Hremna pawh kum 7 thleng lung in tan leh pawisa chawi emaw a ni thei.

Khua leh tui tha kan nih chuan dan kan zawm mai hi kan tana tha tur vek zawk a lo ni.

C. Zothansanga
President
Association of Mizoram General Insurance Agents (AMGIA)
The New India Assurance Co. Ltd. Agent
Contact: 7005571720

NB: Kan thu ziah te hi mi nawlpui tana hriat nuam tura ziah a ni a, technically-a hrilhfiah leh deuh ngai pawh a awm maithei. Zawh chian duh nei kan awm chuan contact number-ah khian biak theih reng ka ni e.

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