Page 40 - Insurance Times February 2016

Reimbursement of expenses towards obtaining a 6. Loss due to war and related activities
duplicate ignition key
Sum Insured
Compensation for obtaining duplicate license
Cover for road tax and registration charges Age of the Vehicle % of Depreciation
for fixing IDV

What Car Insurance does not cover? Not exceeding 6 months 5%
15%
1. Accidental damage or loss due to willful negligence Exceeding 6 months but not 20%
exceeding 1 year 30%
2. Accidental loss or damage if you are driving under the 40%
influence of intoxicating liquor or drug Exceeding 1 year but not 50%
exceeding 2 years
3. Loss or liability while the vehicle is being used outside
the scope of limitations of use and/or being driven by Exceeding 2 years but not
a person not duly licensed exceeding 3 years

4. Consequential losses, depreciation, wear & tear of Exceeding 3 years but not
mechanical & electrical breakdown / failure of exceeding 4 years
breakages
Exceeding 4 years but not
5. Loss due to nuclear weapons or radioactivity exceeding 5 years

NATIONAL LOK ADALAT (NLA)
A PLATFORM FOR SPEEDY JUSTICE

The concept of 'National Lok Adalat' was floated by the 6. Creation of Legal Awareness in the Society.
Hon' Ex-Chief Justice, Sri P. N. Bhagwati of the Apex Court
of India in 1986. Since then and under the direction of Supreme Court,
regular NLA are being held throughout the country and
The purpose of NLA is to render speedy disposal of cases affected people are getting their grievances redressed
Lying pending in the courts at various areas such as off.
Insurance Claims, Disaster Compensation, Land
Acquisition, Traffic Challan, Labour, Forest, Excise, cases In a sequel to this, again on 12th December 2015 NLA
ending in Gram Kuchhary, Security Arrangement, Fire was organized by the National Legal Services Authority
Brigade, Service report of notices, Disposal of cases U/S headed by Chief Justice of India, State Legal Service
107,144, 145, Cr.PC, Public Premises Act, Mutation, NPA Authority headed by Chief Justice of all the states and
of Banks and MNREGA. District Legal Services Authority headed by District Judge.
In the NLA on 12th December 2015, a large number of
The features of NLA are: pending cases were settled through compromise and
between Legal luminary and the Litigants.
1. Provision of a free and fair settlement of Pre-litigation
cases. By

2. Stepping into the direction of Out-of-Court settlement. Shekhar Kumar Srivastava

3. Stoppage of APPEAL. Senior Assistant
National Insurance Co. Ltd.
4. Zero Consumption of time in giving Justice to the Darbhanga Branch
Victim. Pin - 846004

5. Alleviation of Brockery and defoiling of vested
interests.

40 The Insurance Times, February 2016

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