Page 283 - Motor Insurance Ebook IC 72

Guide for Motor Insurance

and the charge sheet of involvement should be obtained
and studied. If documents infer fraud they should be
provided as evidence and Written Statement (WS)
should vigorously pursue the matter. A police complaint
of fraud should also be filed to support the contention.

Insurers representing advocate should be advised to
incorporate all defenses to deal with the case and to
emphasis these fraudulent aspects. Here it must be
emphasized that the insurers must follow-up with the
advocate to ensure the WS is filed as per their
instructions and defended by the advocate appropriately.

The most common frauds in such claims arise in
the following circumstances:
1. Substitution of a vehicle, or driver especially if the

involved vehicle/person is uninsured/not licensed to
drive
2. False implication of vehicles
3. Non road accidents being passed of as road
accidents, observed in certain cases.
4. Addition of names of persons as being affected in
the accident while finalizing charge-sheet.
5. Inflated or bogus medical bills and certificates.
6. Multiple cases for the same accident at different
Tribunals or places or time.
7. Issue of fabricated, forged or fraudulent cover notes.

Sashi Publications - www.sashipublications.com 283

Copyright@ The Insurance Times. 09883398055 / 09883380339