Page 28 - The Insurance Times November 2025

would certainly offer a daily prayer: 'Dear God, please bless ies, weekly deliveries, I had to make to earn this money. I
me with at least 50 salvage cases today and every day'. He work very hard, and I expect to party harder. Life is, after
wants 50 accident cases every day! There is no harm in his all, only given once by God. Enjoy it. Do you know this Thar
prayer. It is perfectly logical on his part to pray. The dealer vehicle from Mahindra and Mahindra? Wow, it's a beauty!
may have invested much monetarily, with many employees It costs Rs. 18,00,000, and I have my savings. The bank has
working there; and as an employer he has the indirect re- agreed to grant me a loan of Rs. 15,00,000/-.
sponsibility of managing their homes as well. If their sala-
ries are paid, then they will eat bread at their homes. So, Do you know what I expect here? I'm hoping to enjoy life. I
he would go to the temple, a mosque, a synagogue, a want to drink beer, eat biryani, and take my girlfriend on
church, and offer a big conditional donation - if He grants long drives in the car. I'm not deceiving anyone. Just go on
50 salvaged vehicles per day through the insurance company. to our Outer Ring Road (ORR). It's a beautiful road of al-
The prayer is perfectly understandable and logical. Anybody most 100 kilometers. The maximum speed of the car is 240
was to be in his place; they would do the same thing. kmph. I can well imagine my girlfriend is shrieking with hap-
piness, fear, excitement when we are cruising at 240 kmph!
The Perspective of the Insurance Com- What else do you think can God ever give? Beauty, Beer,
and Biryani. Let's go get the car now".
pany:
In our presupposition of the Truthful Insurance company's Since motor insurance is compulsory and since the dealer is
case, the underwriter reviews the business and accident fig- not delivering the vehicle without insurance, the customer
ures: last year there were 100 salvage cases, and paid over begins his bargain about the cost of the premiums. He is
Rs. 10,00,00,000 in claims, and the premium collections not bothered about the insurance cover; he is more stressed
were much lesser in Telangana. This is not good business. about the premium he has to pay! For majority of custom-
This kind of business does not cover all the expenses of the ers motor insurance or for that matter any insurance is a
company. As a company they have electricity, rent, salaries, waste of money!
computers, marketing expenses, and the premium trickles
down drop by drop, whereas the claims payment is like a The War - Winning Perspectives:
flood! Hey God, what kind of justice is this? You rob us fully
in one day, and give premium drop by drop. This is injustice, I am the God. I looked at different perspectives. The cus-
straightforward injustice! tomer, the insurance company and the salvage company live
in their own private worlds. I remember the world facing a
similar situation approximately 90 years ago, during WW2.
The prayer of the underwriter: 'My dear God, I'm due for
Adolf Hitler prayed: Look God, I'm going for a war. I
promotion. I want to increase the premiums so that the
company will make a decent profit. This will be regarded as request you to bless me with victory".
my performance indices and this alone will get me a pro- Benito Mussolini of Italy prayed via the Pope: God,
motion which is long overdue'. Thus, Truthful Insurance I'm going for the biggest war, I request you to bless me
Company wants to increase the premium and at the same with the victory.
time would want fewer salvage accident claims to arise. The emperor Hirohito of Japan prayed: "Dear God, I
Why can't these people drive safe, idiots? Truthful Insurance am waging the biggest war to have the entire world
Company would not care if the salvage company went bank- under my command. Bless me".
rupt. The only person who wants money here is the insur-
ance company. The company is not bothered about any other Winston Churchill of the Great Britain prayed: "I'm
thing. Look, God, we need more money. This is not good going to defend the world against these rascals, there-
and this is not fair. And for all those accidental wrecks, we fore, bless me victory".
are getting only Rs. 50,00,000 per year, and the premiums President Franklin D. Roosevelt of America, he went
are less, claims are high - You better do something about it. to the Church to pray for victory.
Telangana state should top the country with zero accidents! Mahatma Gandhi with the help of his priest prayed:
"I am supporting Franklin D. Roosevelt and Winston
The Perspective of the Customer: Churchill. They stand for peace and harmony. Therefore,
The following are the thoughts of a customer: "This year I victory should be ours".
could save Rs. 3,00,000. You don't know how many deliver- And finally, the founder of Azad Hind Fauj, Subhash

26 November 2025 The Insurance Times