Page 270 - Motor Insurance Ebook IC 72

The Insurance Times

Q 1. Explain briefly the procedure followed in handling
Ans. Third party Motor Claims.
Following is the procedure of handling T.P. Claims-
1) The first step on receipt of notice of claim from the

insured or tribunal is to ascertain whether the
vehicles insured on the date of accident. The entry
is made in the claims register.

2) The case is entrusted to a panel advocate
immediately so that the insurers are represented at
the very first hearing.

3) A letter is addressed to the insured to furnish
the information as to O.D. Claims details if lodged,
name of the Police Station where the accident was
reported, driver's name and address, name of the
advocate if the insured has appointed one etc. The
insured is also sent a claim form for completion and
return.

4) Insurers estimate their liability. In case of death
claims, status of the deceased, his monthly income,
age, contribution to family, relationship with claimant
etc. are taken into consideration. In the event of
injury claims Medical Report, evidence of medical
expenditure, age of injured, his occupation and
income etc. are taken into consideration. The aspect

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