Page 381 - Motor Insurance Ebook IC 72

Guide for Motor Insurance

witnesses to accident, PM/Inquest report for date ,time
of accident, age of victim and cause of death.

The Motor Vehicle Inspectors (MNI) report on the
damages to the vehicle and owner and driver and cause
of accident 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 policy complaint of
fraud should also be filed to support the contention.

The 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.

Q 20. Discuss the following problems of motor insurance
underwriting:
(a) Older vehicles (b) Imported cars(c) Cars
imported by foreign embassies (d) Sports Cars.

Ans. (a) Older vehicles - The age of the vehicle is
important from the underwriting point of view.

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