Page 379 - Motor Insurance Ebook IC 72

Guide for Motor Insurance

No claim in case of non-compliance of
formalities in stipulated time and thereafter
the file should be closed.

ix) Strict underwriting control - While
accepting motor business, strict underwriting
control should be exercised.

b) Loss control measures for T.P.Claims - Since in
third party claims the tribunal awards the
compensation, loss can be minimized by defending
the claim in effective manner.

Following measures may also be taken:
i) Investigation- Any officer assigned this function

should make 'on the spot' investigation and obtain
information about the age, occupation, income etc.
of the deceased/injured. Wherever necessary,
correct insurance particulars from the RTO should
be obtained and furnished to the advocate for the
insurance company.

ii) Proper Use of Advocates- 'Preparation of panel
of advocates and entrustment of cases to them on
a rotation basis, ensuring that no Advocate should
have more than 10 cases at any given time. The
advocate appointed to defend on behalf of the

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