book april

Vol. 1 Issue 4 THE EVER READY UNIVERSAL GUIDE April 2003 Vol. 1 Issue 4 THE EVER READY UNIVERSAL GUIDE April 2003

THE EVER READYUNIVERSAL GUIDE

for the Use of

Police department

Insurance Companies

Banks and Financial Institutions

A READY RECKONER

To trace more number of Stolen Vehicles

Price Rs. 100/-


1

Editorial

Responsibility – Authority

What do dictionaries say about thesetwo words? We personally feel that thesetwo words are profound in their range thanone could think of. Many a battle insideGovernments, Corporate houses,Associations and many other bodiesrevolve around these two words. Now letus play with these two words.1. Responsibility without Authority2. Authority without responsibility3. Responsibility without sufficient

authority4. Authority without sufficient

responsibility5. Work without responsibility &

authority

When we scan the society we seepeople with different mindset but havesomething common in their outlook.Majority of people will be happy withauthority without responsibility. But againthe majority of people are bearingresponsibility without authority. A few havethe authority but what is the extent ofresponsibility they are prepared to bear?

Analyzing the time administratorsspend in finding solutions to problems, onewould find that more than 50% of actualtime taken in the process is spent on fixingresponsibilities and authorities. Why is it so?The root, to us, seems that in spite ofindependence offered to us in 1947, we(read masses) are yet to come out of the

INDEX1 Editorial 2

2 Order in Chaos 3

3 How to use this Ready reckenor (Police department) 7

4 How to use this Ready reckenor (Insurance companies) 8

5 Ready reckenor List (Chassis No./Engine No. - wise) 10

6 Ready reckenor List (AR # - wise Insurers/Police details) 30

7 Ready Reckoner (List of recovered vehicles) 44

8 Interesing Case History 47

9 All about Investigations -

10 Letterhead of Investigator 50-51

11 Too Busy for a Friend 52

12 Form of Authetication Letter for entries 54

13 Form for Details of recovered vehicles 55

14 Subscription requisition 56

15 Application for Inrollment as Member 57

effects of colonization. For most, the Policeare a suppressive force with inhumantendencies! In administration the Babu-Chela syndrome has not been wiped off,but has done a difference costume.Chamchagiri, Jalra, Soaping up are someof the words that might not find their wayinto a dictionary. But they are the way oflife in many an organization.

To get some useful things done, it takesHerculean efforts disproportionate to theend result aimed at. In all these things wetend to waste a lot of precious time.Without a proper relationship maintainedbetween ‘Giving Authority’ & ‘Fixingresponsibility’, there won’t be anymeaningful progress. This is where we giveroom for others to play and see that thereis no balance between these two achieved.

We need not go far to get examples.Take a housing colony or Apartmentbuildings and make a study of theirworkings. Very few people takeresponsibility and work for the upliftmentand maintenance of the Buildings andwithout expecting any authority. Nowbuilding rules are stringent and the Secretaryof any Association is the first person takeninto task for any breach of statutoryrequirements. Unfortunately few willrecognize that the poor fellow has not beengiven any authority to mend thing as andwhen it is required. He/she is tied up in suchthings as ‘approval from GB’ etc.Preventive measures to be taken topreserve the buildings are postponed bymajority till it is too late and the costs of


2 3

repair shoots up, the Secretary is blamedfor extravagance.

So in many a buildings, corrupt andinefficient people take up authority andmanage the show by pleasing those whoraise their voices. Everything goes onsmoothly – but at what cost? It is a viciouscycle.

What is the need of this hour?Individuals taking a divergent course willgive room for outsiders getting footholdmuch easier and the danger of colonizationis again looming large in the horizon. Thecolonization may not be openly displayedbut subtly control the minds of the massesand ultimately lead to extinction of entireraces. Not impossible? Certainly possible.

FOOLISHNESS IS CRIME. The firstduty of every citizen of this great countryis to make sure that the masses are madeto understand the dangers of this new typeof invasion – that does not come throughany visible means – but through thoughtwaves propagated through blazingadvertisements, luring the gullible into trapsand finally into submission.

There is no time to argue about whichis the right way or system or method. Everyone of us must try each one WITHOUTBIAS, pool our findings, analyze and selectone that will serve the purpose moreeffectively. The story of Hare & Tortoisepublished in the January Issue says it all.TEAM is Together Everyone AchievesMore. How true!

In doing so each one of us mustshoulder our share of responsibility and must

be clear about the extent of authority werequire to shoulder the responsibility. Nowis the crucial step. To convince others thatcertain amount of authority is necessary, toshoulder responsibility, it takes a lot ofperseverance.

There is no escape from the analogyof Apartment buildings. Corruption andnepotism rules the roost. So any logicalexplanations are brushed aside as costly,unworkable and useless. People areinterested in immediate solutions and thesolutions that come free of cost; all the morebetter! So as it stands to day the results ofsuch behaviours are there to see. Many flatsare vacant and could not be sold due to theproblems created in the past. The ownersresiding outside are not prepared to giveauthority to the owners staying in theapartment buildings, who have beenshouldering the entire responsibility formany years. They are not even interestedin discussing the issue! They don’t havetime! Unfortunately non-resident ownersforget that the resident owners have beentaking care of their interest withoutexpecting any returns.

This very same trait is seen in a largerscale in the administrative side of thegovernment. The earlier we find a way, toreduce the time spend on fixingresponsibilities vis-à-vis bestowing authority,the better for our country. Crime controland prevention is the responsibility of everycitizen. We cannot shirk away from ourresponsibilities. So the habit of sharing theresponsibility starts at Home!

ORDER IN CHAOS

1 Preamble: -

The human brain is a complex structurewith innumerable connections andshortcuts. Emotions tend to apply brakes,in the brain activities, causing breakdownof the nervous system. The emotions arecreated and governed by external activitieslike inter personal relations, events in workfield, imposed authoritarian controls etc. Toclear the blocks created by emotions; it isimperative to study the circumstances thatcreated it. The “ Order in Chaos” theory isquite simple if one has got the patience andinclination to go into it. The followingparagraphs give a few pointers to show thatfrom seemingly impossible situation howone can retrieve him/her self and put his/her life into order once again.

2 Methodology: -

The only way to reveal the order in achaotic situation is start from a point, whichis apparent and more or less stable fact.Then the immediate events surrounding thepoint should be recorded by querying thesubject and if necessary other connectedpersons. While doing so care should be takento ensure that these are facts (as far aspossible). Contradictions are bound to occurbetween statements of various connectedparties and all these must be recorded.Chronological sequences would throw lightinto the seemingly complex situation and

paths would be open. Some may lead todead ends. We can retrace our steps andexplore other paths.

2.1 Single mindedness of purpose: -

The first and foremost quality requiredto find “Order in Chaos” is SINGLEMINDEDNESS OF PURPOSE. Theperson who finds himself in hopelesssituations must resolve to get out of it in thefirst place, if at all he wants to come out ofit. It is an irrefutable fact that everyindividual is a hub connecting various otherpersons in some way or other. Thus adepressed person not only suffers himselfbut also affects others and drags them alsoalong with him – just like a person drowningin water drags, others also along with himin desperation. So one cannot afford tojust sit there and watch others drown insorrow.

The whole thing revolves aroundSELF-PRESERVATION. If we want tosave ourselves we have to pull our weightto see that none around us get intodepressive mood. Intervening at theappropriate time is the key. Instead ofadvising them to come out of it, they maybe given words of solace to build upconfidence and ACHIEVE THE SINGLEMINDEDNESS, which is the foundationon which others can build their ideas,experiment and bring normalcy. By doingthis they not only save the affected person,but also save themselves. It is an educative


4 5

experience and also has the capacity tomend the social fabric woven around them.

2.2 Fallacies: -

Most people (this includes parents andclose blood relatives) tend to place theirown interest first before the real issue.Misplaced priorities more often adds to theagony and aggravate the situation.Thoughtless words spoken at inappropriatesituations tend to do more harm than good,however good the intentions might be! Intoday’s fast moving world nobody has gottime to attend to the most important aspectof life – social equanimity. People think thatby having more money they can solveproblems more easily. This is one of thefallacies.

The second fallacy is that “elderlypersons are more knowledgeable in socialsituations and can give instant solutions!”Nothing is more fallacious than this one!Fast changing world throws up suchchallenges; even the most venerable andexperienced elderly person cannot cope upwith these challenges on their own. On theother hand younger people who are moreadaptable to changing environments canthrow more light to counter suchchallenges. It is a continuous affair. Thusbuilding a bridge between generations is amust to survive meaningfully in this world.The onus of building these bridges lies withthe elderly parents and grand parents thanon the younger generation. For younger

generation closing the avenues for theelderly to reach them is suicidal.

The next fallacy normally found amongelders in the family is that care of childrencan be delegated to paid servants. Theyforget that the smallest seed of today is thehuge tree of tomorrow. If the tree ispoisonous or undesirable what one can doexcept to fell it! Any amount of medicationis useless in such a situation. Today’schaotic situation might have its rootsomewhere in the past. In many casesevents of the past generations do have aneffect on today’s situation. Thus it is notonly essential to take steps to mend thingsas they stand today, but also correct ourimperfect ways so that such situations donot arise tomorrow. The affected personmust be made to realize this and preparehimself for the ordeals of restoration ahead–SINGLE MINDEDLY.

Thus we come to the next stepcollecting threads connected to the affectedperson

2.3 Collecting threads: -

The person/s involved in therestoration process, list out the immediateproximate events that lead to the presentabnormality. In a traumatic situation theremay be many proximate events, which have,individually or cumulatively, havecontributed to the present situation. Eachone must be considered first in isolation and

then in relation to each other. If the issuesare taken up in small manageable segments,one can arrive at the solution much morequickly. In doing so the enquirer must desistfrom allowing extraneous issues andpersonal considerations to interfere in theprocess of reconciliation. So collecting thethreads linking the chaotic situation is veryimportant.

2.4 Collecting events of the past: -

Continuity of lineage is considered themost important thing in one’s life and peoplego to any extent to see that they havechildren. The whole issue is considered asa quantitative requirement and qualityrecede to the background. Genes carryinformation to cause certain ailments/problems repeat from generation togeneration without a solution in sight, whichin turn have their roots in the pastsometimes removed two or threegenerations. The people searching for theirroots are on the right track. Not only findingtheir ancestors, but also learning a bit abouttheir nature and other personal detailswould be helpful in taking preventivemeasures.

More over events of the past normallycomes down by word of mouth and till theSeventies and eighties elders were availablefor counseling on such matters. Thesepeople born before the year 1900 have seenit all. Those people were sharp in theirmemory, and had a fund of knowledge. Just

by ignoring their collective intellectualwealth we have lost much. At least we cando one thing. Make our children realize theimportance of disciplining ourselves.

2.5 Stressing the value of TRUST: -

TRUST - something we can’t dowithout. Each one of us base our decisionson our trust on something, may be a person,may be an organization or anything thatmatters. The question is - is it absolute? Ifa person places his trust absolutely onsomebody or on something - it transformsitself into a powerful tool. In a familyenvironment absolute trust will workwonders. If the children are made tounderstand and realize that they are trustedabsolutely, it acts as a deterrent and thechildren will think twice before committingacts that would jeopardize this trust. Parentsshould realize this. Scolding andreprimanding is of no use. But the fear oflosing trust is more powerful than anyreprimand! In a family circumstanceparents tend to lose tempers. Thefrequency of such tantrums makes a lot ofdifference to a child’s psyche. The childunderstands the situation if the occurrenceis spaced over long periods. If the child itselfis the cause of such a situation, it takessteps, to bring the situation to normalcy, onits own. Not only the parents should practiceit, but also, teach the children its values withexamples from their own life. Talking about


6 7

situations in the past and analyzing thecauses is a good exercise.

In doing so, we must be objective andif the child points out an accusing finger atus, we must be able to explain the situationproperly and logically. Sometimes, duringsuch sessions, it may happen that the wholeissue was due to our own fault. In such anevent admitting our fault and expressingapology will enhance our image in the eyesof the child how ever small he/she may be.This will strengthen the trust the childplaces on us and we will not do anythingthat jeopardize their trust.

2.6 Listing out valid points andremoving extraneousunconnected facts and figures: -

Patient documentation is veryimportant in finding out order in chaos. Theexercise of collecting and documenting hasit’s own therapeutic value for the enquirerand the subject alike. Bundling passions onto the sidelines and immersing into thedocumentation will not only sooth frayednerves but also help reveal flaws in one’sown outlook. While doing so, we can evendifferentiate between relevant andextraneous points. Before confirming anevent as extraneous, it has to be consideredfully and we have to make certain that thereis no connection whatsoever to the presentsituation. The exercise also has the effectof building TRUST between the suffererand the counselor.

2.7 Summarize in logical sequence: -

Summarizing all collected materials inlogical sequence is an art. Constantpractice makes a person achieve clarity withminimum words. No two situations arealike. So it would be a grave blunder incomparing two situations and apply the resultof one to the other. The whole process ofreconciliation has to be done afresh for eachand every occasion. The only thing thatwould be common is the methodology. Afterattending a few cases the counselor gets agrip on the finer points of the trade andwould be able to build TRUST quickly andget on with the job faster.

3 Solutions: -

When the sequence of normalizationis carried out as listed above, the probableand possible solutions would emerge fromthe affected persons themselves and bycoaxing and encouraging further, a fewmore alternative solutions or via media willemerge. This is where the crucial last stepcomes. After the solution is clear - thesufferer should take the last step himself.Nobody on earth can do it for him. It mightmean that he has to step down severalrungs in the ladder from his lofted position.He should realize that by doing so his imagewill not get spoiled. On the contrary, it willenhance his/her image further and otherssimilarly placed will start looking up tohim/her for solutions to their problems.

Cont’d in Page

HOW TO USE THIS READY RECKENOR(Police department)

This Ready Reckenor is designed to help the Police Personnel engaged inroutine checks at —

Ø HighwaysØ Check postsØ Busy junctions in a town/cityØ Air Port Parking LotØ Railway Station Parking LotsØ Cinema Halls Parking LotsØ Automobile GaragesØ And places where search is made on Court Orders

The Lists given in the following pages are in ascending order and vehicle(make/model) wise. To locate a Chassis number, look under the appropriatevehicle make/model classification. For Example if you are checking aHEROHONDA Splendor, look under the heading – HeroHonda-Splendor. TheChassis number is listed separately and the engine number is listed separatelyas they are separate units and can be inter-changed.

Ø Check the vehicle RC with the number on the vehicleØ Compare the chassis/engine number with the ListØ If matching number not found clear the vehicle.Ø If a matching number is found note the corresponding

AR Number.

Go to the next section of Ready reckenor where the details of InsuranceCompany, Police station, and FIR Number are given against the referenceAR Number.

Note the details and contact the nearest office of the Insurers and/or notifyAMARAN REGISTER Private Limited.


98

THE EVER READY UNIVERSAL GUIDE

READY RECKONERSECTION I

ALPHEBETICAL LIST OF

STOLEN VEHICLES

MAKE/MODEL

AND

CHASSIS & ENGINE NUMBERSIN ASCENDING ORDER

HOW TO USE THIS READY RECKONER(Insurance Companies)

In spite of the sincere efforts of the Police Personnel, it is getting more andmore difficult to weed out stolen vehicles that get regularized through deviousmeans (forged RC book, forged NOCs, and then re-registered through regularlegal RTOs). These vehicles ply on road and get their insurance cover without anyproblem. Till to date there is no way for an Insurer to verify this clever manipulation.

NOW IT IS EASY TO WEED OUT SUCH VEHICLES

PROCEDURE:

Ø Whenever a vehicle come for renewal of Policy, obtain a copy of RC attested bythe insured him/her self for records.

Ø Check the Engine and Chassis Number with the list given in the Ready Reckoner.

Ø If a match is found note the AR number against it.

Ø Go to the next section of Ready Reckoner and check the AR Number.

Ø Note the Details of Insurers/Police FIR etc. and take appropriate action

Ø If such vehicles are already under claim – the Insurers have the option of stoppingthe payment – and then take necessary action. This is not only loss preventionbut also – by initiating action with the help of the Police – recover some value inthe process.

Ø When this Ready Reckoner is updated regularly, it will help in reducing overallcosts for the Police and help them to recover more number of stolen vehicles,thereby help the Loss Minimization efforts of the Insurance Company

This system can be extended to costly equipments like Laptops. Insurers maysend in suggestions for improving this system. Ultimately it is for them only!!


AMBASSADOR - ALL MODELS

AR# Chassis Number AR# Engine Number

000286 AEY 801646 000316 D 299354

000380 AGU 720142 000286 6 EPEY 020053

000304 AJT 699565 000380 6 EDGU 128930

000392 III 471750 000304 6 EDJT 109461

000316 III 593967 000392 ODH 57018

ASHOK LEYLAND - ALCO 3/3 TIPPER


000244 NPE 253681 000244 NPE 132302

AVANTHI KOBRA


000272 MD 9 PJT 08 A 9905132 000272 TJPQA 9905894

BAJAJ 4S


000441 31 F 95 C 00054 000441 31 M 95 C 02816

000425 31 F 95 F 18599 000425 31 M 95 F 21420

BAJAJ AUTO


000251 24 F BDM 47041 000251 24 M BDM 96488

000548 24 FBGA 01936 000548 AEMBG 013995

000554 F 24 BM 020988 000554 M 24 BM 023990

000540 W 24 C 012699 000536 W 24 C 050179

000549 W 24 C 047247 000540 W 24 E 012591

000536 W 24 E 049396 000549 W 24 E 046023

BAJAJ BOXER AT & CT


000285 DFFBFM 62559 000295 31 MBGC 08116

000295 DFFBGC 19498 000285 DFMBFM 72029

000281 DFFBHC 71356 000281 DFMBHC 85901

BAJAJ CALIBER


000252 DDFBHB 52188 000252 DDMBHB 12180

000275 DDFBGC 78706 000275 DDMBGC 28086

000291 DDFBFE 44261 000291 DDMBFE 83307

000292 DDFBFF 8 7515 000292 DDMBFF 94468

000412 DDFBEM 66129 000412 DDMBEM 69168

BAJAJ CHETAK


000289 03 C 501 180289 000289 03 E 502 178137

000464 06 C 1100213 000464 06 C 1137240

000265 06 D 96 P 67336 000528 06 F 1100514

000528 06 F 1064023 000280 35 E 96 K 48759

000280 35 C 96 K 11262 000265 85 P 96 F 67818

BAJAJ KB 100

000220 30 F 94 D 07699 000220 30 M 94 D 06589

000349 30 C 099117 000349 30 E 097862

000434 3 DC 079689 000434 3 DE 076447

000560 C 30 CA 024304 000560 E 30 BM 022127

1110


BAJAJ LEGEND


000290 28 CBFH 39808 000290 28 EBFH 40157

BAJAJ M 80


000181 16 C 94G35760 000181 16 E 94G35812

000321 16 C 95 K 10007 000321 16 E 95 K 09122

000206 16 C 96 K 69063 000206 16 E 96 K 69037

000453 16 CBEC 33864 000462 16 EBCL 25617

000411 16 CBEE 57820 000453 16 EBEC 35803

000214 16 CBFK 15371 000411 16 EBEE 57832

000373 16 CBGE 08648 000214 16 EBFK 18720

000455 16 CBGK 56342 000373 16 EBGE 10501

000377 16 CBHF 84103 000455 16 EBGK 58571

000462 16 EBCL 25602 000377 16 EBHF 86840

BAJAJ RAVE & SUNNY


000552 34 CBDG 14207 000552 34 EBDG 14044

000487 33 F 96 J 87464 000487 33 M 96 J 87391

BAJAJ SUPER FE


000300 08 C 93 M 91527 000300 08 E 93 M 04989

ENFIELD EXPLORER


000344 B 63437 C 2 000344 363175 C 2

FORD IKON


000199 MAJAXXMRTA 05848 000199 YA 05848

HEROHONDA CD 100, CD 100 SS,. CD 100 DX


000342 11331 000342 21543

000400 01 G 13 F 00063 000423 94 G 10 E 12310

000423 94 G 12 F 08414 000400 01 G 13 E 00024

HEROHONDA CD 100, CD 100 SS,. CD 100 DX (cont’d)


000284 96 L 12 F 01607 000284 96 L 10 E 01495

000370 97 A 10 F 7357 000370 97 A 10 E 16021

000273 99 B 10 F 09656 000273 99 B 10 E 18201

000371 99 D 12 A 12092 000270 99 E 10 E 11949

000270 99 E 12 F 05995 000268 99 H 10 E 08200

000268 99 H 10 F 06239 000371 9910 E 22860

HERO HONDA SPLENDOR


000489 00 M 20 C 22612 000489 00 M 18 M 22705

000355 00 A 10 F 10829 000355 00 A 10 E 22143

000404 00 B 19 F 07774 000404 00 B 17 E 07158

000447 00 B 20 C 03366 000447 00 B 18 M 03578

000308 00 E 20 C 09920 000352 00 C 18 E 15957

000360 00 F 20 C 11321 000308 00 E 18 M 10170

000222 00 F 20 C 16430 000369 00 F 18 E 10777

000210 00 F 20 C 17810 000325 00 F 18 E 10784

1312


HERO HONDA SPLENDOR (cont’d)


000369 00 F 20 F 10954 000360 00 F 18 M 10748

000325 00 F 20 F 11097 000222 00 F 18 M 15098

000387 00 G 20 C 22611 000210 00 F 18 M 18084

000238 00 L 20 C 09228 000387 00 G 18 M 22696

000358 00 L 20 C 27774 000238 00 L 18 M 09123

000406 00 M 20 F 26843 000366 00 L 18 M 19789

000366 00120 C 19720 000358 00 L 18 M 27752

000352 0020 F 14844 000406 00 M 18 E 25958

000350 01 B 20 C 23112 000376 00798

000556 01 B 20 F 01745 000556 01 B 18 E 01343

000297 01 G 20 C 06790 000350 01 B 18 M 23274

000378 01 G 20 F 12083 000378 01 G 18 B 12199

000219 95 D 19 F 00870 000297 01 G 18 M 00521

000572 95 D 19 F 81500 000219 95 D 17 E 00602

000533 95 K19 F 02438 000572 95 D 17 E 81554

000472 95 L 19 F 02947 000533 95 K 17 E 02547

000457 95 M 19 F 05884 000472 95 L 17 E 02896

000439 96 F 19 F 05169 000457 95 M 17 E 05798

000205 96 G 19 F 03868 000439 96 F 17 E 05192

000484 96 G 19 F 04601 000205 96 G 17 E 03624

000320 97 F 17 E 63639 000484 96 G 17 E 04545

000250 97 F 19F 09089 000320 97 F 17 E 03444

000264 97 G 19 F 07919 000250 97 F 17E 10196

000324 97 G 19 F 09719 000264 97 G 17 E 08190

000438 97 J 19 F 08024 000324 97 G 17 E 09009

000327 97 J 19 F 09920 000438 97 J 17 E 08156



000322 97 J 19 F 11531 000327 97 J 17 E 10435

000319 97 K 19 F 03142 000322 97 J 17 E 11913000396 97 K 19 F 08186 000319 97 K 17 E 03069000249 97 K 19 F 09591 000396 97 K 17 E 08038000541 97 M 19 F 30892 000249 97 K 17 E 09900000354 98 A 19 F 04572 000541 97 M 17 E 30853

000449 98 B 19 F 04860 000354 98 A 17 E 04939000301 98 D 19 F 03986 000449 98 B 17 E 04798000463 98 D 19 F 06684 000301 98 D 17 E 03583000473 98 G 12 F 01360 000463 98 D 17 E 06348000568 98 G 19 C 00232 000568 98 F 17 M 05048000241 98 G 19 C 06047 000473 98 G 10 E 00617000495 98 G 19 F 01100 000495 98 G 17 E 00994000257 98 G 19 F 05736 000257 98 G 17 E 6103000227 98 G 19 F 09061 000241 98 G 17 M 05250000395 98 H 19 C 02106 000395 98 H 17 M 01989000372 98 J 12 F 11536 000372 98 J 10 S 22645000471 98 J 19604547 000471 98 J 17 M 05430000518 98 L 19800504 000518 98 L 17 M 00541

000385 99 D 19 C 02687 000227 98817 E 09026

000318 99 D 19 C 09360 000385 99 D 17 M 02641

000361 99 E 12 F 06611 000318 99 D 17 M 09345000452 99 F 19 C 08774 000361 99 E 10 E 12811000389 99 G 19 C 00985 000347 99 F 17 E 01887000213 99 G 19 C 09992 000452 99 F 17 M 07533000347 99 G 19 F 09206 000389 99 G 17 M 00405000196 99 H 19 C 03689 000213 99 G 17 M 10148

1514




000553 99 H 19 C 08083 000367 99 H 17 E 07866

000557 99 H 19 C 11365 000196 99 H 17 M 02528

000309 99 H 19 C 11769 000553 99 H 17 M 06910

000367 99 H 19 F 08162 000309 99 H 17 M 10802

000481 99 J 19 C 10078 000557 99 H 17 M 10978

000376 99 M 17 C 00807 000481 99 J 17 M 08517

000403 99 M 19 C 08528 000414 99 M 117 M 09091

000414 99 M 19 C 2418 000403 99 M 17 C 05321

000418 C 10 F 107487 000418 C 10 E 107623

000353 C B 03003788 000353 C B 13005046

000563 G 10 F 509644 000563 G 10 E 539268

KINETIC HONDA & HONDA DX


000490 NIFKA 484511 000490 NIFKA 474102

000565 372283 000565 362438

000448 NIERB 941406 000326 569788 NIECM

000562 NIERF 976613 000424 NIEE 119238

000326 NIF CM 579566 000201 NIEHD 346068

000424 NIFE 119238 000445 NIEKM 471128

000201 NIFHD 355851 000451 NIEMF 628458

000445 NIFKM 481537 000390 NIENE 735601

000451 NIFMF 635696 000544 NIEPX 822280

000390 NIFNE 741438 000448 NIERB 937054

000544 NIFPE 827713 000562 NIERF 972440

000402 NIFSG 097282 000402 NIESG 093152

KINETIC HONDA & HONDA DX (cont’d)


000221 NIFSL 143705 000221 NIESL 139279

000394 NIFTB 164067 000394 NIFTB 160431

KINETIC LUNA, SAFARI V2 XL & ZX


000328 98 K 13043668 000328 98 K 13073055000287 AL 19000012 000287 AL 19001568

000573 NIFTB 16323 000573 NIETB 159911

LML VESPA


000218 C 10 C 564572 000218 E 10 C 562038

MAHINDRA JEEP


000330 CI 500 DI 4 DSDS 43315 000330 DS 43315

000331 CL 550 MD 4 FVDV 204583 000331 DV 204583

MAHINDRA MAXICAB


000407 MA1 JG 2 FAA 13 J 22317 000407 S 43356876

000574 MA1 JG2 FAY 3 J 21743 000574 S 433051758

MAHINDRA NISSAN


000303 EYH 4 HA 375631 16823 000303 IC 15386

MAHINDRA TRACTOR


000333 A 98280 000333 3 SA 269231716


MARUTHI 800


000314 357235 000314 499352

000442 SB 308 IN 1015941 000215 F 8 B 105745

000299 SB 308 IN 1025487 000442 F 8 BIN 1336939000215 SS 80 FIN 140108 000299 F 8 BIN 1351167

MARUTHI ESTEEM


000312 MA 3 EBE 41 S 00 251748 000312 G 13 BIN 619545

MARUTHI OMNI


000338 956863 000338 922062

000482 ST 91 IN 136639 000482 F 8 BIN 1254496000569 ST 911 N 394661 000569 F 8 BIN 2014492

MARUTHI ZEN VX


000305 429110 000305 419718 000311 MA3 EYE 31 S 00 290303 000311 G 10 BIN 285149 AW

MITSUBISHI LANCER


000559 MA 700 CK 2 AXF 104522 000559 3 MLFY 002665

OPEL ASTRA


000410 56 V 079528 000410 16 LZ 5010301

SUZUKI 100 R & AX 100


000479 1108 F 995803 000479 1108 M 050547

000456 1012 F 283254 000456 1012 M 289579

SUZUKI FIERO


000576 M 1109 F 096580 000576 M 1109 M 098063

SUZUKI MAX 100 & MAX 100 DC


000356 9011 F 775028 000356 9011 M 826613

000446 9101 F 834115 000446 9101 M 887067

000202 9104 F 908901 000202 9104 M 962250

SUZUKI MAX 100 R


000539 8007852 000561 1002 M 601225000561 1002 F 550108 000405 1006 M 730927000405 1006 F 679010 000261 1008 M 774136

000261 1008 F 721868 000248 1102 M 911029000248 1102 F 858005 000409 1105 F 916714000513 1105 F 938302 000513 1105 M 992220000409 1105 M 970226 000476 1107 M 033778000476 1107 F 979223 000485 1107 M 035595000485 1107 F 980749 000480 1109 M 063424000480 1109 F 008506 000263 1201 M 181115000263 1201 F 125617 000545 1201 M 191762000545 1201 F 145694 000542 1202 M 220900000542 1202 F 165289 000233 1612 M 783113

1918


SUZUKI MAX 100 R (cont’d)


000233 1612 F 737196 000293 1704 M 840647

000293 1704 F 794755 000469 1704 M 849464

000469 1704 F 803686 000436 1802 M 014121

000436 1802 F 967127 000537 1803 M 030983

000537 1803 F 9839968 000507 1805 M 081551

000507 1805 F 034381 000200 1810 M 177717

000200 1810 F 130113 000362 1810 M 188837

000362 1810 F 141355 000399 1811 M 217243

000399 1811 F 169389 000420 1812 M 228847

000420 1812 F 181246 000228 1901 M 252988

000228 1901 F 204916 000467 1903 M 321348

000467 1903 F 273113 000577 1904 F 299412

000577 1904 M 347866 000478 1907 M 404918

000478 1907 F 355790 000277 1909 M 465819

000444 1909 F 419751 000444 1909 M 469357

000346 1909 F 421139 000346 1909 M 471128

000246 1909 F 433335 000246 1909 M 483279

000277 1909 F416078 000375 1910 M 502353

000375 1910 F 452211 000211 1911 M 528344

000211 1911 F 478084 000253 584996

000253 541453 000397 9101 M 886416

000397 9101 F 833466 000283 9102 M 912047

000283 9102 F 859034 000258 9103 M 936504

000258 9103 F 883258 000520 9108 M 052083

000520 9108 F 997297 000363 9109 M 076685

000363 9109 F 021549 000539 M 062776

SUZUKI SAMURAI


000564 784598 000564 830404

000271 7003 F 594097 000271 7003 M 645256

000567 7007 F 687859 000567 7007 M 739640

000278 7011 F 776237 000278 7011 M 829189

000523 7011 F 792686 000516 7101 M 891935

000516 7101 F 839062 000255 7103 M 939966

000255 7103 F 886986 000231 7103 M 96358

000231 7103 F 889958 000256 7309 M 410607

000256 7309 F 378932 000435 7405 M 461641

000435 7405 F 422332 000459 7506 M 567176

000459 7506 F 523762 000266 7508 M 578029

000266 7508 F 534605 000401 7509 M 598124

000401 7509 F 554595 000440 7510 M 607448

000440 7510 F 56326 000437 7512 M 625905

000437 7512 F 582000 000468 7606 M 701032

000468 7606 F 657393 000329 7609 M 735528

000329 7609 F 690377 000236 7610 M 749803

000236 7610 F 704676 000465 7701 M 795758

000465 7701 F 749799 000310 7705 M 860509

000310 7705 D 814776 000217 7801 M 006389

000359 7801 F 945788 000398 7801 M 006389

000217 7801 F 959361 000359 7801 M 992687

000398 7801 F 959361 000243 7808 M 145293

000243 7808 F 097878 000229 7811 M 202457

000229 7811 F 154951 000337 7903 M 316915

000337 7903 F 268699 000523 M 844882

2120


TATA INDICA


000408 600142 GYZP 36615 000408 4751 D 12 GYZP 35745

TATA SUMO


000384 385003 ASQ 902836 000384 483 DL 41 ASQ 707539000279 385003 FRQ 913912 000279 483 DL 41 FRQ 737995000332 385003 HSQ 937885 000332 483 DL 41 HSQ 796562

TATA TIPPER


000317 373 094 HQQ 117769 000317 697 D 21 GQQ 123473

TVS 50 XL


000510 A 001 F 295615 000515 A 904 M 095892000334 A 001 F 305558 000510 A 001 M 276165

000274 A 001 F 309470 000334 A 001 M 286067000335 A 005 F 394004 000274 A 001 M 289992000508 A 007 F 428405 000335 A 005 M 374886000530 A 008 F 439320 000508 A 007 M 409269000504 A 008 F 450873 000530 A 008 M 420172000547 A 009 F 461841 000504 A 008 M 431021000511 A 101 F 5141671 000547 A 009 M 442604000517 A 104 F 564936 000511 A 101 M 495346000415 A 104 F 568705 000517 A 104 M 545597000522 A 108 F 620142 000415 A 104 M 549360000550 A 112 F 653986 000522 A 108 M 600528000529 A 202 F 667874 000550 A 112 M 634227

TVS 50 XL (cont’d)


000235 A 503 F 056846 000529 A 202 M 648165000501 A 603 F 300714 000235 A 503 M 042034000519 A 611 F 496715 000501 A 603 M 282866000416 A 701 F 539279 000519 A 611 M 479613

000339 A 701 F 550522 000416 A 701 M 522365000208 A 702 F 571901 000339 A 701 M 533324000483 A 707 F 699794 000208 A 702 M 554971000288 A 709 F 727115 000483 A 707 M 682017000500 A 803 F 871727 000288 A 709 M 709243000491 A 808 F 970381 000500 A 803 M 853746000515 A 904 F 114220 000491 A 808 M 952197000488 A 905 F 148837 000488 A 905 M 130427000226 A 906 F 168739 000226 A 906 M 150501000267 A 908 F 197398 000267 A 908 M 178533000493 A 908 F 203403 000493 A 908 M 1844806000492 A 908 F 203578 000492 A 908 M 184724000497 A 909 F 2220940 000497 A 909 M 203300

000336 A 909 F 243066 000336 A 909 M 224523000494 A 9097 F 173173 000494 A 9097 M 154867000269 P 1005 F 276408 000269 P 1005 M 274228000421 P 1107 M 443464 000421 P 1107 F 448794000204 P 1911 F 184352 000204 P 1911 M 183677

000514 PL 91 ZF 201800 000514 PL 91 ZM 200855

TVS CHAMP


000306 D 310 F 816270 000306 D 310 M 808204

000180 D 812 F 037274 000180 D 812 M 0190252322


TVS CHAMP (Contd.)


000183 D 805 F 05724 000183 D 805 M 87701

000203 D 607 F 413935 000203 D 607 M396586

000207 D 802 F 847114 000207 D 802 M 82879

000209 D 009 F 471995 000209 D 009 M 452544

000212 D 001 F 294375 000212 D 001 M 274970

000351 D 101 F 524941 000351 D 101 NM 505509

000391 D 904 F 111121 000391 D 904 M 092833

000422 D 307 F 779650 000422 D 307 M 774864

000466 D 602 F 297289 000466 D 602 M 279966

000477 D 107 F 607929 000477 D 107 M 588472

000486 DOIOF 480498 000486 DOIOM 461249

000496 D 903 F 091409 000496 D 903 M 073122

000498 D 902 F 076951 000498 D 902 M 058804

000512 D 912 F 283844 000512 D 912 M 264604

000535 D 704 F 620681 000535 D 704 M 603855

000546 D 708 F 714794 000546 D 708 M 696022

000551 D 708 F 706562 000551 D 707 M 684128

000558 D 608 M 417027 000558 D 608 F 434210

000571 D 507 F 134955 000571 D 507 M 118150

TVS SCOOTY


000184 16 CBFA 89683 000184 16 EBFA 91318

000534 K 01 JF 633144 000534 K 01 JM 624797000182 K 95 FF 023387 000182 K 95 FM 024143

000185 K 98 CF 171638 000185 K 98 CM 173248

TVS SPORTS


000282 J 1011 F 353368 000282 P 1011 M 348699

TVS XL SUPER


000538 A 203 F 689013 000538 A 203 M 669332000348 P 1007 F 297940 000341 P 1006 M 286294000505 P 1008 F 313824 000348 P 1007 M 295445000340 P 1009 F 326954 000505 P 1008 M 311127000506 P 1101 F 376584 000340 P 1009 M 323902000223 P 1103 F 420285 000254 P 109 M 477955000413 P 1104 F 425591 000506 P 1101 M 372081000298 P 1105 F 434886 000223 P 1103 M 415167

000475 P 1105 M 428937 000276 P 1103 M 418527000521 P 1109 F 482984 000413 P 1104 M 420368000254 P 1109 F 483918 000475 P 1105 F 434282000527 P 111 F 515800 000298 P 1105 M 429563000525 P 1111 F 509658 000383 P 1109 M 474720000393 P 1201 F 523981 000521 P 1109 M 477034000524 P 1202 F 551998 000525 P 1111 M 501097000343 P 1809 F 055654 000527 P 1112 M 507597000259 P 1907 F 144087 000393 P 1201 M 515776000388 P 1907 F 144087 000555 P 1201 M 518755000526 P 1911 F 193405 000524 P 1202 M 543617000276 P 3103 F 423799 000343 P 1809 M 055629000383 P 3109 F 480294 000259 P 1907 M 143564

000555 P 3201 F 527150 000388 P 1907 M 143594000341 P1006 F 288804 000526 P 1911 M 192511

000242 P1812 F 081047 000242 P1812 M 0809352524


YAMAHA CRUX R


000575 01 KSJM 020363 000575 5 JM 020363

YAMAHA RX 100


000474 94 J ILI 458438 000262 IL5 007626000232 94 K ILI 462856 000454 IL5 15919000230 95 D ILI 507833 000419 ILI 003709000262 96 F IL5 007626 000458 ILI 022897000454 98 B IL3 015919 000197 ILI 057653000419 ILI 003709 000531 ILI 139237000458 ILI 022897 000460 ILI 162268000197 ILI 057653 000323 ILI 192771000531 ILI 139237 000294 ILI 218177000460 ILI 162268 000470 ILI 266627000323 ILI 192771 000315 ILI 295846000294 ILI 218177 000543 ILI 354798000470 ILI 266627 000443 ILI 417510000315 ILI 295846 000474 ILI 458438000543 ILI 354798 000232 ILI 462856000443 ILI 417510 C 94 000230 ILI 507833

000461 KI 157815 000461 KI 157815

YAMAHA RX 135


000216 00 A IL5 296437 000307 IL5 268602

000302 00 C IL5 316462 000566 01 HATL 510299

000225 00 C IL5 316517 000374 IL5 150123

000570 00 J IL7 014609 000237 IL5 168176000240 00A IL5 288897 000260 IL5 179847

YAMAHA RX 135 (cont’d)AR# Chassis Number AR# Engine Number000566 4 TL 510299 000450 IL5 202520000374 98 B IL5 150123 000379 IL5 217570000260 98 G IL5 179847 000234 IL5 221758000450 98 K IL5 202520 000499 IL5 259909000379 99 B IL5 217570 000357 IL5 263238000234 99 C IL5 221758 000245 IL5 274082000499 99 G IL5 259909 000240 IL5 288897000357 99 G IL5 263238 000216 IL5 296437000307 99 J IL5 268602 000302 IL5 316462000245 99 K IL5 274082 000225 IL5 316517000237 C 98 D IL5 168176 000570 IL7 01 014609

YAMAHA RXGAR# Chassis Number AR# Engine Number000224 97 B 115077723 000224 IL5 077723000247 95J 1L2 000007 000247 IL2 000007000417 98 B IL3 015315 000417 IL3 015315

000436 96 K IL5 044642 000436 IL5 044642

2726

NEW OFFICE BEARERS OF CLAIMS INVESTIGATRORS ASSOCIATION OF INDIA

The Annual General Body Meeting of the Association was held on 22nd March 2003 atWoodland Drive-In and the New set of office Bearers were elected.

P. Ananthan as President, Mr K venkatramani as General Secretary,Mr. K.V. Parameswaranas Joint Secretary and Mr S Swaminathan as treasurer. The new executivecomittee of the Association was also elected and the new incumbant is Mr. Padmanabhan inPlace of Mr Sundaravaradhan.

Threee advisory committees have also been formed to handle cases pertaining toMediclaim, third party and other miscellaneous. Investigators all over India are welcome to joinand strengthen the Association.

For more information contact : Mr. P. Ananthan - email ID - [email protected]

Claims Investigators Association of India


28 29


READY RECKONERSECTION II

LIST ACCORDING TO AR #

IN ASCENDING ORDER

SHOWING CORRESPONDING DETAILS

OF INSURERS, CLAIM REFERENCE,

POLICE CODE/PIN

AND CRIME NUMBER

Cont’d from Page 6

3.1 Corrective steps: -

The path of the normalization processsometimes may pose difficulties to themediator and occasionally may boomerangon him/her. This is where the mediatorshould work tirelessly and bring in all theparties together. After doing all the hardwork, if he/she fails to translate the resultsinto practical solution, then the wholesituation may go haywire and there is adanger of relapse and that too irrevocably.

3.2 Who are all responsible for the reconciliation?

More often than not the parties to thesituation throw this question onto the faceof mediators. If the question is reframed itwill answer itself. How to go about thereconciliation process? This is where thedocumentation and logical analysis helps.It fixes the responsibilities and all partiesmust acknowledge their own share in themaking of the chaotic situations and getdone with it.

4 Epilogue: -After all the efforts put in the

reconciliation process, it would be suicidalif we allow similar situations to developagain. From past experience we have learntto avoid certain stray and unwarrantedremarks. Let us discipline ourselves intounity of thinking and all will be well. Thecost of peace is priceless. Every one of ushas a duty to perform. Let us get on with itwith a free mind.

Investigating Vehicles Theft Claims(continued)

In the previous issue we have seenhow even a minor detail such as the dateof endorsement in the RC book provided aclue to the actual state of affairs in anaccident claim. Simply by writing down allpertinent information in chronological orderwe can be clear about our next course ofaction.

Fraudulent claim present such scopefor investigation, the report would makevery interesting reading. But presenting areport on genuine claims would be a routineaffair.

Approach: -

Investigators should approach the caseon hand with an absolutely open mind. Oneshould keep all options open till they areeither substantiated or ruled outconclusively. Sometimes the Insurers’claims officer may air his views at the timeof handing over the papers. That is hisprerogative. The investigator must make anote of that for future reference; but refrainfrom forming preconceived notions abouteither the claim or the Insured.

General rule to be followed whilequerying an Insured: -

The Insured is an important client ofthe Insurers. He/she may or may not be


AR # INSURERS CLAIM # PS CODE PS PIN Cr #000180 UI-011400 10542/99 K8 42/2000000181 UI-010905 632/2000 35/2000000182 UI-010504 289/99 G1 600007 2148/99000183 UI-011400 10226/99 G1 600007 972/99000184 UI-011402 4301 R1 39/2000000185 UI-010300 E4 1564/99000186 UI-011400 20058/2000 J1 723/2000000187 UI-011200 17/2000 K3 402/2000000188 UI-011402 3275/98 R1 41/99000189 UI-010303 254/98 E5 1757/98000190 UI-010804 C1 3772/97000191 UI-010801 J2 206/2000000192 UI-010905 E3 550/2000000193 UI-010305 V1 483/2000000194 UI-010300 18/00 C3 665/2000000195 UI-010804 1147/00 N3 138/2000000196 UI-010802 305/01 D5 600005 1/2002000197 UI-010804 R8 600026 11/2002000198 UI-011400 31864/01 J2 600020 1049/01000199 UI-010602 D1 600056 791/01000200 UI-011401 5090 G3 600010 549/00000201 UI-010303 582/99 G5 600010 300/00000202 UI-010305 134/2001 K4 600040 1114/01000203 UI-011400 20025/2000 R8 600083 803/00000204 UI-011400 20276/2000 B4 600044 394/00000205 UI-010804 1222/00 E3 600018 1220/00000206 UI-011400 20399/2000 R1 600017 446/00000207 UI-011400 20879/2000 E2 600014 408/01000208 UI-011400 31076 D3 600005 353/01000209 UI-010804 00114/01 G1 600007 1260/01000210 UI-010905 V5 600101 920/2001000211 UI-010804 V3 600050 781/01

AR # INSURERS CLAIM # PS CODE PS PIN Cr #000212 UI-011401 V2 600093 810/01000213 UI-10303 113/2001 E3 600018 1082/01000214 UI-010804 G1 600007 1874/01000215 NAT-500500 V5 600101 571/01000216 UI-010804 E6 601203 512/01000217 UI-010300 179/01 XY 679/01000218 UI-010303 624/2000 G3 600010 1708/00000219 UI-010502 04/01 C1 600003 946/01000220 UI-010905 E1 600004 1786/01000221 UI-011401 E1 600004 1853/01000222 NIA-710904 B1 600016 755/01000223 UI-011400 31676 D9 600005 303/01000224 UI-011400 31743/01 E3 600018 1569/01000225 UI-010303 D9 600005 257/01000226 UI-011305 B6 600045 955/01000227 UI-010804 00351/01 G2 600003 2394/01000228 UI-011400 31789/01 C2 600079 1219/01000229 UI-010905 E1 600004 2258/01000230 UI-010303 00208/01 C6 600064 647/01000231 UI-010300 E1 600053 882/01000232 UI-010701 V4 600099 2002/01000233 UI-010303 00210/01 R1 600017 1245/01000234 UI-010305 E3 600018 1044/01000235 UI-011401 05679/01 R2 600024 1613/01000236 UI-010303 592/2000 G1 600007 1906/00000237 UI-010804 G1 600007 64/01000238 UI-011401 4687/01 E4 600102 202/01000239 UI-010502 D9 600005 80/01000240 UI-010804 02640/00 G1 81/01000241 UI-010804 D3 600005 264/01000242 UI-010905 D4 600087 484/01000243 UI-011400 30054/01 R1 600017 536/01

3130


AR # INSURERS CLAIM # PS CODE PS PIN Cr #000244 UI-010303 B4 600044 237/01000245 UI-010804 C5 600001 192/01000246 UI-011400 R3 600083 659/01000247 UI-010801 D3 600005 392/01000248 UI-011400 31272/01 D4 600087 780/01000249 UI-010303 567/00 D9 600005 182/00000250 UI-010100 R4 600017 1106/01000251 UI-010804 G1 600007 1216/01000252 UI-011200 K4 600040000253 NIA712003 ZYX 603001 378/01000254 UI-011401 05702/01 R6 600083 157/02000255 UI-011401 05706/01 E3 600018 1835/01000256 UI-010502 139/01 R4 600017 101/02000257 UI-010504 0318/01 R1 600017 88/02000258 UI-010303 R3 600083 1267/01000259 UI-010303 0229/01 D2 600116 506/01000260 UI-010801 B6 600045 37/02000261 UI-010305 260/01 E3 600080 598/01000262 UI-010900 14813/01 J2 600020 186/02000263 UI-010900 14808/01 C9 600041 75/02000264 NIA-610300 00033/00 II(T) 508001 59/00000265 NIA-610300 00035/00 CHI 500020 210/00000266 NIA-610300 00042/00 NULL 499/00000267 NIA-612700 00043/01 MRP 517502 98/00000268 NIA-612700 00047/01 CCS 517502 306/00000269 NIA-612700 00092/01 CCS 517502 510/00000270 NIA-612700 00133/01 CCS 517502 545/00000271 NIA-612700 00141/01 CCS 517502 20/01000272 NIA-612700 00167/01 RNG 129/00000273 NIA-612700 00537/02 CCS 517502 180/01000274 NIA-612700 00541/02 CCS 517502 505/00000275 NIA-612700 00559/02 CCS 517502 252/01

AR # INSURERS CLAIM # PS CODE PS PIN Cr #000276 NIA-612700 00582/02 CCS 517502 275/01000277 NIA-612700 00606/02 CCS 517502 84/00000278 NIA-612700 00660/02 CCS 517502 422/01000279 NIA-612700 00679/02 CCS 517502 388/01000280 NIA-612700 00696/02 CCS 517502 364/01000281 NIA-612700 00697/02 CCS 517502 490/01000282 NIA-612700 00038/02 KPM 60/01000283 NIA-612700 00079/02 KPM 145/01000284 NIA-612700 00106/02 ECS 43/01000285 NIC-501502 LWP 605008 110/00000286 NIC-501502 250/00 D2 600002 1896/00000287 NIC-501502 110/00 MLY 605004 28/00000288 NIC-501502 215/00 GMD 605006 224/00000289 NIC-501502 GB 605001 217/00000290 NIC-501502 DNG 605006 54/00000291 NIC-501502 ODN 605001 24/01000292 NIC-501502 GB 605001 194/00000293 NIC-501502 204/00 GB 605001 335/00000294 NIC-501502 RDP 605010 153/99000295 NIC-501502 BVN 638301 539/00000297 UI-010804 471/01 R5 600094 144/02000298 UI-011400 32005/01 R1 600017 365/02000299 UI-010303 111/01 VLR 632001 238/01000300 UI-010801 253/01 G2 600010 210/02000301 UI-010804 481/01 D2 600002 248/02000302 UI-010804 485/01 C3 600001 85/02000303 UI-012406 094/00 G9 603301 283/00000304 NIC-603800 6301687/00 NULL000305 NIC-603800 6101837/00 KML 576101 20/01000306 NIC-603804 6200068/01 KDR 577101 172/01000307 NIC-603800 6202067/01 MLP 576101 59/01000308 NIC-603800 6202276/01 MNP 576101 179/01

3332


AR # INSURERS CLAIM # PS CODE PS PIN Cr #000309 NIC-603804 6200063/01 MAD 560068 795/01000310 NIC-603804 6200109/01 CKM 577101000311 NIC-603800 5102418/01 NULL000312 NIC-602000 00/61/04 KRM 560095 176/00000313 NIC-602000 01/61/287 BSN 560004 510/01000314 NIC-602000 98/61/40 CBP 420/98000315 NIC-602500 00/62/6 KWP 63/00000316 NIC-602500 01/61/3 BTG 21/01000317 NIC-602500 00/63/21 BDV 163/00000318 NIC-602506 01/62/78 VIG 58/01000319 NIC-602505 01/62/22 GDG 76/01000320 NIC602504 00/62/128 MM 99/00000321 NIC-602504 00/62/190 ANK 15/01000322 NIC-602501 00076/00 VDN 580032 95/00000323 NIC-602501 00190/00 HUB 580032 26/01000324 NIC-602501 00227/00 HUB 580020 16/01000325 NIC-602501 00037/01 HUB 580020 75/01000326 NIC-602501 00245/01 NULL 4/02000327 NIC-602508 4/01 HVR 581110 75/01000328 NIC-602506 62/42/00 APMC 49/00000329 NIC-602506 62/92/01 KSP 53/01000330 NIC-602404 61/45/99 143/99000331 NIC-602404 61/102/99 MDK 571201 197/99000332 NIC-602404 61/11/01 MDK 571201 35/01000333 NIC-602404 63/24/01 PNP 91/01000334 NIC-602401 62/02/00 A 99 571401 67/00000335 NIC-602401 62/44/00 HLG 571421 90/00000336 NIC-602401 62/49/00 MND W 571401 146/00000337 NIC-602401 62/50/00 MND E 571401 105/00000338 NIC-602401 61/12/00 TMK 572101 36/00000339 NIC-602401 62/103/00 MND W 571401 276/00

AR # INSURERS CLAIM # PS CODE PS PIN Cr #000340 NIC-602401 62/140/01 MLV 15/01000341 NIC-602401 62/10/01 MND W 571401 74/01000342 NIC-602401 62/47/01 MND W 571401 119/01000343 NIC-602401 62/91/01 NULL 227/01000344 UI-012001 1392 F1 600054 67/02000346 UI-010804 284/01 E4 602102 818/01000347 UI-010300 F2 600008 277/02000348 UI-010305 E1 600053 90/02000349 UI-010502 F2 600008 129/02000350 NIC-604000 00022/01 GL 585102 198/01000351 UI-010300 E1 600053 760/01000352 NIC-604001 22-Jan 135/01000353 NIC-604001 49/01000354 NIC-604001 28-Jan000355 NIC-604001 77/00000356 UI-010300 F2 600008 1749/01000357 UI-010300 G3 600010 1682/01000358 UI-010300 632014 170/01000359 UI-010300 R1 600017 844/01000360 UI-010300 G1 600007 2190/01000361 NIC-604002 044/00 KRT 184/00000362 UI-010300 K2 600023 1359/01000363 UI-010300 F3 600072 617/01000366 NIC-604002 021/01 RCH 584101000367 NIC-604002 029/01 KRT 77/01000369 NIC-604002 056/01 197/012000370 NIC-604003 009/00000371 NIC-604003 066/00000372 NIC-604003 072/00000373 UI-011401 F3 600072 615/01000374 UI-012600 D3 600005 539/02

3534


AR # INSURERS CLAIM # PS CODE PS PIN Cr #000375 UI-010905 865/01 R3 600083 401/02000376 UI-010303 C2 600114 63/02000377 UI-010300 J3 600032000378 UI-010303 297/01 C3 600001 81/02000379 UI-010804 73/02 E3 170/02000380 UI-011400 00244/02 V2 600092 1048/02000383 UI-10502 B1 600016 433/02000384 UI-011305 B4 600044 306/02000385 UI-010804 196/02 J2 600020 965/02000387 UI-010303 104/02 B5 600075 662/02000388 UI-010303 229/01 D2 600116 506/01000389 UI-010305 J2 600020 648/02000390 UI-010801 044/02 C1 600001 262/02000391 UI-010300 K1 600023 14-Feb000392 UI-010300 NULL 606601 406/02000393 UI-010300 E4 494/02000394 UI-010300 R3 600083 1216/02000395 UI-010300 D9 600004 360/01000396 UI-010300 G1 600007 268/02000397 UI-010300 F6 600062 004/02000398 UI-010300 603109 679/01000399 UI-010300 J1 600015 1337/01000400 UI-010300 R7 600078 1366/01000401 UI-010300 D2 600116 542/01000402 UI-010300 G3 600010 2089/00000403 UI-010804 R7 600078 1408/02000404 UI-010504 F1 600002 171/02000405 UI-010300 159/02 G1 600007 1595/02000406 UI-010804 205/02 C2 600079 205/02000407 UI-010300 J3 600032 1036/02000408 UI-010300 J3 600032 1137/02000409 UI-010701 H9 600068 392/02

AR # INSURERS CLAIM # PS CODE PS PIN Cr #000410 NIC-CNRO 104/00 6/01000411 NIC-CNRO 136/00 43/01000412 NIC-CNRO 18/01 164/01000413 NIC-CNRO 59/01 177/01000414 NIC-CNRO 63/01 267/01000415 NIC-CNRO 94/01 266/01000416 NIC-CNRO 104/01 435/01000417 NIC-CNRO 122/01 54/01000418 NIC-CNRO 151/01 331/01000419 NIC-CNRO 045/99 E8 159/99000420 NIC-CNRO 91/99 91/99000421 NIC-CNRO 187/01 108/02000422 NIC-CNRO 188/01 172/01000423 NIC-CNRO 95/99 R1 1027/99000424 NIC-CNRO 96/99 J6 917/99000425 NIC-CNRO 134/99 E3 2353/99000434 NIC-CNRO 20/99 R1 600017 453/99000435 NIC-CNRO 38/99 B1 600016 450/99000436 NIC-CNRO 85/99 G2 600053 456/99000436 NIC-CNRO 143/99 425/99000437 NIC-CNRO 86/99 D1 600005 1676/99000438 NIC-CNRO 115/99 G3 600010 43/00000439 NIC-CNRO 116/99 D9 600005 58/99000440 NIC-CNRO 137/99 G3 600010 367/00000441 NIC-CNRO 144/99 G1 600007 644/00000442 NIC-CNRO 088/00 G2 600003 2345/00000443 NIC-CNRO 152/00 G1 600060 43/01000444 NIC-CNRO 190/00 K6 186/01000445 NIC-CNRO 099/01 F2 600008 1511/00000446 NIC-CNRO 309/01 C8 600045 173/02000447 NIC-CNRO 119/02 N1 600013 512/02000448 NIC-CNRO 125/02 F2 600008 1088/02

3736


AR # INSURERS CLAIM # PS CODE PS PIN Cr #000449 NIC-CNRO 140/01 G1 600007 1893/01000450 NIC-CNRO 110/01 R1 600017 826/01000451 NIC-CNRO 199/01 G5 600010 5699/01000452 NIC-CNRO 221/01 F3 600034 216/02000453 NIC-CNRO 234/01 P6 600118 156/02000454 NIC-CNRO 228/01 T9 600005 102/02000455 NIC-CNRO 02/02 17/02000456 NIC-CNRO 726/02 C2 600114 375/01000457 NIC-CNRO 172/99 R1 1778/99000458 NIC-CNRO 183/99 F4 954/99000459 NIC-CNRO 186/99 D1 1897/99000460 NIC-CNRO 201/99 E5 52/00000461 NIC-CNRO 205/99 E5 44/00000462 NIC-CNRO 214/99 R5 213/00000463 NIC-CNRO 04/00 K9 761/00000464 NIC-CNRO 14/00 D4 149/00000465 NIC-CNRO 28/00 D3 217/00000466 NIC-CNRO 65/00 V2 810/00000467 NIC-CNRO 108/00 J2 786/00000468 NIC-CNRO 125/00 V2 1879/00000469 NIC-CNRO 128/00 G3 2090/00000470 NIC-CNRO 172/00 R3 113/01000471 NIC-CNRO 201/00 G1 385/01000472 NIC-CNRO 104/01 D1 2013/01000473 NIC-CNRO 108/01 K2 852/01000474 NIC-CNRO 128/01 E1 1589/01000475 NIC-CNRO 137/01 D4 941/01000476 NIC-CNRO 143/01 R8 888/01000477 NIC-CNRO 160/01 D4 1014/01000478 NIC-CNRO 178/01 C8 638/01000479 NIC-CNRO 193/01 J1 1799/01000480 NIC-CNRO 199/01 K10 2034/01

AR # INSURERS CLAIM # PS CODE PS PIN Cr #000481 NIC-CNRO 205/01 G1 2488/01000482 NIC-CNRO 01/202 314/01000483 NIC-CNRO 00/348 16/01000484 NIC-CNRO 239/01 F3 1416/01000485 NIC-CNRO 243/01 F2 806/01000486 NIC-CNRO 02/133 424/02000487 NIC-CNRO 01/278 50/02000488 NIC-CNRO 01/302 59/02000489 NIC-CNRO 02/0201087 147/02000490 NIC-CNRO 01/21 100/01000491 NIC-CNRO 99-00/039 313/99000492 NIC-CNRO 99-00/050 490/99000493 NIC-CNRO 99-00/071 191/99000494 NIC-CNRO 99-00/075 592/99000495 NIC-CNRO 249/01 R1 51/02000496 NIC-CNRO 99-00/091 771/99000497 NIC-CNRO 99-00/099 140/00000498 NIC-CNRO 99-00/102 60/00000499 NIC-CNRO 274/01 V5 1156/01000500 NIC-CNRO 00-01/075 1153/00000501 NIC-CNRO 00-01/091 950/00000504 NIC-CNRO 00-01/104 19/01000505 NIC-CNRO 00-01/115 87/01000506 NIC-CNRO 00-01/128 190/01000507 NIC-CNRO 291/01 E4 80/02000508 NIC-CNRO 00-01/174 545/01000510 NIC-CNRO 00-01/181 708/01000511 NIC-CNRO 00-01/188 250/01000512 NIC-CNRO 292/01 R1 276/02000513 NIC-CNRO 00-01/243 616/01000514 NIC-CNRO 00-01/245 1244/01

3938


AR # INSURERS CLAIM # PS CODE PS PIN Cr #000515 NIC-CNRO 00-01/249 870/01000516 NIC-CNRO 313/01 E4 135/02000517 NIC-CNRO 00-01/271 81/02000518 NIC-CNRO 319/01 D4000519 NIC-CNRO 00-01/285 1213/01000520 NIC-CNRO 237/01 E4 963/01000521 NIC-CNRO 015/02 D6 52/02000522 NIC-CNRO 02-03/004 127/02000523 NIC-CNRO 026/02 R8 681/02000524 NIC-CNRO 040/02 C2 82/02000525 NIC-CNRO 02-03/051 398/02000526 NIC-CNRO 02-03/038 62/02000527 NIC-CNRO 02-03/066 278/02000528 NIC-CNRO 044/02 E4 848/02000529 NIC-CNRO 02-03/083 332/02000530 NIC-CNRO 02-02/0096 203/02000531 NIC-CNRO 31/00 243/00000533 NIC-CNRO 99/18 K3 600029 482/99000534 NIC-CNRO 058/02 F4 196/02000535 NIC-CNRO 99/37 R1 600017 500/99000536 NIC-CNRO 99/70 V2 600092 457/97000537 NIC-CNRO 99/113 K10 600107 1064/99000538 NIC-CNRO 073/02 F3 914/02000539 NIC-CNRO 115/02 D1 1905/02000540 NIC-CNRO 99/165 K3 600029 1016/99000541 NIC-CNRO 99/183 R1 600017 37/00000542 NIC-CNRO 143/02 R1 1303/02000543 NIC-CNRO 99/50 R3 600083 523/99000544 NIC-CNRO 01/14 632007 16/01000545 NIC-CNRO 179/02 R4 1618/02000546 NIC-CNRO 01/89 K4 600040 726/01

AR # INSURERS CLAIM # PS CODE PS PIN Cr #000547 NIC-CNRO 01/114 G3 600005 1352/01000548 NIC-CNRO 01/153 F4 600052 837/01000549 NIC-CNRO 01/183 600032 1183/01000550 NIC-CNRO 182/02 J2 1259/02000551 NIC-CNRO 01/344 281/02000552 NIC-CNRO 01/193 J2 600020 2050/00000553 NIC-CNRO 187/02 C8 562/02000554 NIC-CNRO 02/55 K8 600106 665/02000555 NIC-CNRO 192/02 D4 411/02000556 NIC-CNRO 02/168 F2 600008 1154/02000557 NIC-CNRO 02/169 K6 1075/02000558 UI-010300 116/02 H1 1207/02000559 NIC-500400 120/00 F2 458/00000560 NIC-500400 484/00 F1 71/01000561 NIC-500400 290/01 D2 1642/01000562 NIC-500400 302/01 E4 440/01000563 NIC-500400 305/01 R4 1220/01000564 NIC-500400 321/01 G3 1836/01000565 NIC-500400 333/01 C2 821/01000566 NIC-500400 416/01 V2 1006/01000567 NIC-500400 422/01 D2 2088/01000568 NIC-500400 552/01 D4 863/01000569 NIC-500400 612/01 K4 29/02000570 NIC-500400 639/01 J1 278/02000571 NIC-500400 201016/02 E2 1781/01000572 NIC-500400 1080/02 V2 814/02000573 NIC-500400 201161/02 133/02000574 NIC-500400 301192/02 B4 203/02000575 NIC-500400 201457/02 C9 379/02000576 NIA-710500 J4 824/02

4140


42 43

directly responsible for misrepresentationsmade in the claim. So handling an Insuredis to be done with care. A lot of tact andpresence of mind is required while facingthe Insured. The position of the Insured orhis social status should not come in the wayof making an assessment. Allowance mustbe given for ignorance on the part of theInsured about insurance matters. Bypatiently and politely explaining the situationto the Insured the Investigator achieves twothings. One is that the Insured start trustinghim and the second thing is that theInvestigator himself will have time to sizeup the Insured. In many cases it was provedthat the Insured was misguided by so calledexperts in Insurance matters.

First and foremost point to beascertained is that whether the Insured hasbeen guided by his own views or guided bya third person. Once that is done, theinvestigator can use methods suitable to theoccasion. Only when the Insured is notcooperating, the Investigator needs to taketough postures. Otherwise in majority ofcases, where outsiders have misguided theInsured, gentle persuasion would bring outthe truth from the Insured himself.

Like Surveyors, Investigators also areimportant link between the Insured andInsurers. At no time they should give roomfor complaints. Wherever possible, obtainingstatements from the Insured and/or

witnesses are to be done in presence of oneor two unconnected persons.

Detailed enquiries with the Police: -

While verifying the documents likeFIR with the concerned Police station, theinvestigator should meet the investigatingofficer (as detailed in the FIR) and get hisview on the case on hand. A FIR is FirstInformation Report only. After investigatingthe case, the Police prepare the finalinvestigation report and submit it to theauthorities concerned. Sometimes it may notbe possible for the Police to trace the vehicle,in which case, they send an Rc notice to thecomplainant that the vehicle is undetectabledue to various reasons. The Insurers acceptthis and treat it as a Non TraceableCertificate for the purpose of acceptingliability.

FIR and the Rc notice are standardforms and have serial numbers. These serialnumbers should not be confused with theCrime number or ‘Rc’ number. Similarlywhile issuing the Rc Notice the Police givea separate number and the investigator mustascertain this number directly from thePolice station concerned to complete thedocumentation.

Spot of occurrence: -

Verifying the Insured statement to thePolice as to the spot of occurrence is themost important aspect in investigating a theftclaim. The Investigator must ascertain from

(Cont’d from Page 28)


READY RECKONERSECTION III

DETAILS OF

RECOVERED VEHICLES

AS RECEIVED FROM POLICE/INSURERS


Engine # Chassis # Crime # Police Station City StateHEROHONDA SPLENDOR98 B 17 E 03548 98 B 19 F 0350 C2 ELEPHANT GATE CHENNAI TAMILNADU00 G 18 E 16708 00 G 20 F 169912 C2 ELEPHANT GATE CHENNAI TAMILNADU00 C 17 E 00724 00 C 19 F 00829 C2 ELEPHANT GATE CHENNAI TAMILNADU94 F 17 E 00658 94 F 17 F 00608 C2 ELEPHANT GATE CHENNAI TAMILNADU99 H 17 M 02792 99 E 17 F 01422 C2 ELEPHANT GATE CHENNAI TAMILNADU

MAHINDRA BOLERODF 14821191 12 B 66452 305/02 KASABA CALICUT KERALA

MAHINDRA ARMADADW 43376 2 MW DW 43376 305/02 KASABA CALICUT KERALA

MARUTHI 800F 8 B IN 1601747 SB 308 IN 2121619 95/00 PANNIYANKARA CALICUT KERALAF 8 B IN 1667487 SB 308 IN 1220139 437/01 KASABA CALICUT KERALA

MARUTHI ESTEEMF 10 A IN 178147 MA 3 EBD 21500 130428 305/02 KASABA CALICUT KERALA

MARUTHI OMNIIN 162360 728693 214/02 KASABA CALICUT KERALA

MARUTHI ZENG 10 B IN 258330 MA 3 EYE 31500 263247 103/00 PANNIYANKARA CALICUT KERALAG 10 B IN 368910 MA 3 EYE 31500 375714 99/01 KASABA CALICUT KERALAG 10 BIN 336629 MA 3 EYE 31500 342818 266/02 KASABA CALICUT KERALAG 10 B IN 167102 MA 3 EYD 32500 608994 266/02 KASABA CALICUT KERALA

SUZUKI MAX 1001812 M 223665 1812 F 176052 D9 CHENNAI TAMILNADU

TATA INDICAAZZP 05465 6001 31 AZZP 05742 266/02 KASABA CALICUT KERALA

TATA SIERRA483 DL 41578199 37700 3960224 214/02 KASABA CALICUT KERALA

TATA SUMOLTQ 830928 385003 LTQ 942761 120/99 KASABA CALICUT KERALAKSQ 816020 385013 LSQ 947674 313/00 KASABA CALICUT KERALAHRQ 754431 385013 HRQ 919947 87/01 KASABA CALICUT KERALAJUQ 780701 385003 JUQ 920974 126/02 KASABA CALICUT KERALAMYZ 724860 418201 MYZ 921603 303/02 KASABA CALICUT KERALAKYZ 722393 418201 KYZ 919089 305/02 KASABA CALICUT KERALA

YAMAHAIL3 015919 98 B IL3 015919 D9 CHENNAI TAMILNADU

the Insured (preferably in writing) thereason for the presence of the vehicle atthe reported spot at the reported time oftheft. It may be professional or privatereasons. In either case counter checkingwith concerned persons is to be donewithout fail. Sometimes it may so happenthat the Insured was waylaid and the vehicletaken from him forcibly in an isolatedlocality. In such cases traversing thedistance the same way as the Insured andchecking the time factors with the distanceswould help in ascertaining the correctnessof the Insured statement.

It would be a good idea to takephotographs of the spot with any land markslike nearest milestone landscape etc. Inhigh value claims, it is essential to be muchmore careful in gathering all relevantinformation, put them in order and studythem. Some minor information may proveto be the most vital in determining thegenuineness of the claim.

Making out a draft report and sleepon it for a couple of days sometime wouldhelp in making sure of our findings beforesubmitting to the Insurers.

Making enquiries with the Financiers: -

In cases where financier’s interestis involved, the Investigator must approachthe financier/s and find out from them thestatus of loan and whether they have seizedthe vehicle or not. If there is a case of non

payment of dues in time, the Investigatorshould make sure that the documents havebeen submitted by the Insured him/her self.If the submission is made through thefinanciers, the Investigator should checkand confirm the Insured’s signature is inorder.

Making enquiries with RTO: -

The verification with RTO isessential for verifying whether anyduplicate RC has been issued and whetherthe vehicle is in the name of the Insured,or not, at the time of reported occurrenceof theft. Normally a requisition (formatgiven at the end of this article) is givenwith non-judicial stamp (value vary withevery state) affixed. The RTO verify thedetails and make a certification.

Importance of keeping Insurersinformed: -

In cases where the investigation isprolonged beyond control of theInvestigator, he/she must inform theInsurers in writing then and there. Theclaim officer at the desk handling claimsis in an unenviable position of answeringqueries from irate clients. He/she must beaware of that the Investigator is on thejob.

Preparing a report: -

The Purpose of an Investigationreport is to give the Insurers valid groundsfor either accepting their liability or

4544

(Cont’d from Page 42)


46

JMJPrince Travels 32/4, MIG NHI, Maraimalai Nagar,

Kancheepuram District, Tamilnadu,Ph : (954114) 255144

G j L ¸ P • r ¼ ¿ X Ö Ù N ¥ Y R ¼ h • U ¼ ¿ • r T L Ö ¡ V jL º e h • , “ • ‚ V Í R X j L º e h o Ù N ¥ Y R ¼ h •ÚRÛYVÖ] Tempo Traveller A/c, 407, Super Deluxe, Qualis, Ikon,Indica, Tata Sumo U¼¿• Mahindra Van YÖPÛLehef Û P e h •

C£RVWÖÇ

repudiating the claim. The Investigatorshould not take anything for granted. Hisreport must be legible and clear to anybodyreading it. Each and every point of theInvestigation must be presented in nouncertain terms. There should not be anyambiguity. The report format given at theend of this article was prepared andcirculated by Chennai RO of ‘The OrientalInsurance Company’, which is quitecomprehensive. Standardizing the reportsin this format will go a long way instreamlining investigative procedures.

Highlighting the findings: -

Time is valuable for everybody. Thereport must be precise and to the point.Sometimes even the presentation becomes

lengthy when the Investigator have toexplain the method of investigation, placesvisited, persons met etc. It is alwayspreferable to highlight the findings short &sweet for the Insurers to get the result inone glance.

Enclosures: -

It would be a good practice to retaincopies of statements and other relevantdocuments for future reference. Sometimeit may prove crucial in establishingcorrectness of our report. In the report itselflist out the enclosures, so that your have arecord of what you have enclosed with yourreport. After submitting the report obtainacknowledgement for your records.

47

CASE HISTORY 3

Close Proximity PA Claim

Four brothers running a companydealing in leather goods have been taking aPersonal Accident Policy with a Branch ofInsurance Company in Chittoor. They havetanneries in a village near Chittoor (AP),another in a village near Pernambut (TN).When the Policy came up for renewal, thedevelopment officer went to the Insured,brought a cheque for the premium amountand deposited in the office. When typingout the policy, the underwriting officernoticed that the premium cheque is for threepersons only and the fourth person is notcovered. He immediately informed thedevelopment officer.

The development officer rushed to theInsured explained the situation and tookcash for the balance premium. That is on aFriday afternoon. Due to the mistake incomputing the premium amount whileobtaining the cheque, the policy of theperson left out could be renewed after abreak of three days. Unfortunately, theperson died in an accident on Saturdayafternoon while proceeding to Chennai. Thisis a typical close proximity claim.

The wife of the Insured preferred theclaim with the Insurers for compensation.The claim papers were handed over to twoinvestigators for verification and report.Unfortunately, the reports were inconclusiveand the Insurers were not able to take adecision on the claim as to whether acceptliability or not. The matter was referred tothe HO of the Insurers. When the papers

were received at the HO, about one and ahalf years have elapsed from the date ofaccident. The claim papers were handedover to the Investigator for verification andreport. While handing over the claim papers,the Insurers gave a free hand to theInvestigator to go deep into the BranchOffice records. All they wanted is a clearevidence to decide the liability.

The Investigation was taken upimmediately. The first thing the investigatordid was to do some homework studying thepapers on hand. The documents were putin order and details noted.

Cash Receipt, MiscellaneousAcceptance Advice, and Reminder forrenewal, Claim Intimation Letter, DivisionalOffice Letter dt.24.7.89, The FIR, PostMortem Certificate, Legal HeirshipCertificate, T.A. Bill, and the Certificate ofInsurance (of the car in which the Insuredwas traveling at the time of accident) issuedby a different insurance company were inthe claim papers.

All the documents were sequentiallyin order. To prove conclusively that theaccident occurred only after the inceptionof the Policy we had to ascertain threedifferent parameters.

1. The date and time the premium wasreceived and receipted must beconfirmed.

2. The date, time and place of accident mustbe confirmed from the other Insurers’records.


48 49

vehicle and made detailed enquiries. Theclaim papers pertaining to the vehicle wasobtained and counter checked with theKancheepuram Taluk Police stationregarding the FIR. The FIR was filed basedon a statement given by the uncle of thedeceased, who came from Chennai onhearing the news of the accident.

The Insured and his brothers pickedup a consultant from Chennai and wasproceeding to Pernambut when the accidentoccurred around 4.30 pm on 22nd July 1989just about 24 hours after the premiumreceipt was issued. All the records of thePolice, Hospital authorities, Ambulancereceipts and Post Mortem report dovetailednicely and corroborated the date, time andspot of accident.

This conclusively proved, from theOther Insurer’s records, that the accidentoccurred only after the inception of thepolicy period.

Verification into the possibilities, if any,of anybody else who could have paid thepremium after the accident: -

The position of each of the personsinvolved in this claim, brothers of thedeceased, their relatives, businessassociates etc, were carefully analyzed andit was established that none of them couldhave arranged to pay the premium AFTERthe accident. Hospital records of all injuredpersons were checked with the respectivehospital and found in order. The AccidentReport prepared by the Kancheepuram GHtallied with the time mentioned in the FIR.

In conclusion: -The Investigator report was prepared

(seven pages of text and 6 pages ofannexure showing tabulated data) andsubmitted. The claim was settled after twoyears of the accident.

Why this claim took so much time toget admitted? The Branch office had a clearand unambiguous evidence to prove that thisis a genuine claim. But for some reason itwas dragged for one an half years beforereferring to the HO. An investigation wasarranged at DO level and then at RO level.In both cases the Investigators could notgive a report for the Insurers to take aconcrete step. How this could havehappened.

During the course of the Investigation,the final Investigator was given a propertongue lashing by the deceased’s brotherfor the way the Insurers treated them. Ittook almost an hour before the investigatorcould explain the situation to him. TheInsured was not at all aware of the CloseProximity aspect of the claim. The previousinvestigators failed to inform the Insuredabout the situation. They had gone aboutmaking enquiries about the Insured’sincome tax returns for the previous years.This step, which may be required, in theevent of the investigators unearthed someevidence to show malafide intentions of theInsured, must be the last resort. Taking itup, as the first step was the mistake, whichended up in inconclusive reports. The delayin this case could have been avoided at theDO level itself, if they had appointed acapable person to do the investigation.

3. Possibilities, of anybody else who couldhave paid the premium after theaccident, should be ruled out beyond anydoubt.

To prove the first point the investigatorhad to go to the Branch office concernedand checked all the records andcounterchecked.

Records Verified:

1. The receipts prepared on Friday the21st July 1989: -

A total of 11 receipts were preparedon 21st July 1989. The receipt pertaining tothis claim was ninth in line. The next receiptpertains to premium paid for renewal of afire policy by the Forest Department.According to the branch the receipt wassent to the DFO immediately along with thenew policy.

The investigator verified this statementwith the DFO, whose office is situated inthe same street as the branch office. Thenotation found on the receipt and the policyclearly confirmed that the policy wasindeed issued on 21st July itself.

Thus the previous receipt issued tothe Insured could not have been issuedafter 21st July 1989. This receipt ispertaining to the Insured.

2. Time factor: -

The investigator went through thedocuments to establish the time factor. Thelast receipt was prepared at 5.00 pm andthe receipt of the DFO was prepared at4.00 pm. The receipt for the Insured in this

claim was prepared at 3.30 pm. Fromenquiries it was revealed that theDevelopment officer who brought cashfrom the Insured, after remitting the cash,went to the DFO to collect the premiumDD. Enquiries with the Forest departmentrevealed that the section superintendentpassed an office order to hand over the DDto the Insurers. The superintendent whocame for duty in the after noon after takingleaves for the morning session. Sheconfirmed having issued the DD in theafternoon and got the policy and receiptsthe same day.

3. Development officer’s TA bill: -

The development officer TA is anotherevidence of his movement on 21st July 1989.The investigator made a round along withthe Development officer and fount thedistances and times mentioned in the TAbill in order. Giving allowances for the timespent in each place, the time of deposit ofpremium amount in cash tallied with thetime of receipt.

Thus the date and time the premiumwas received and receipted wasconfirmed beyond any doubt. The key isthe documentation of anotherindependent Government Department, inthis case, the Forest Department.

Verification of accident spot, date &time: -

The vehicle, in which the Insuredwas traveling at the time of accident, wasinsured with a different Insurer. Theinvestigator went to the Insurer of the


Letterhead of Investigator

Ref: Date

ToTo

The Regional Transport Officer

Re: Insurance verification – Vehicle #_______________

Respected Sir,

The Insurers M/s. ___________________ Co. Ltd. have entrusted the claimpreferred by Mr/Ms/Mrs ________________________ with me for investigation.The Insurers instructed me to verify the RC details with your official records and obtainyour certificate of authentication for their records. I produce the RC details below foryour ready reference please.

Name of Registered. Owner :Address of Registered owner :Registration Number :Chassis Number :Engine Number :Make/Model :Colour of the vehicleClass of vehicle :Date of registration :Financier’s name & address :Endorsement Details :FC Number and period of validity :Permit Number and period of validity :Details of previous owner if any :

I request you sir to kindly confirm whether the above details are correct please.

Thanking You Yours faithfully

Letterhead of Investigator

Report No. Date

INVESTIGATION REPORT FOR STOLEN VEHICLES1. DO/BO from which papers were referred :2. Date on which papers received :3 Date/dates of investigations :4 Name and address of the Insured :5 Vehicle Number/make/model :6 Chassis Number :7 Engine Number :8 Year of manufacture :9 Policy Number :10 Period of insurance :11 Claim Number :12 Date and time of theft :13 Place of theft :14 Date of reporting of theft to P.S :

FIR details15 Name of Police station :16 Cr.# & Sec. Under which registered :17 Date of issue of NTC by the police :18 Insured version of the theft:

We made detailed enquiries with the Insured. According to the Insured.……….19 Ownership/possession/use of vehicle:

We made detailed enquiries in the neighbourhood of the Insured house…………..20 Feedback from enquiries with neighbours in the vicinity of place of theft:

We made detailed enquiries near the spot of occurrence……………………21 Details of Police case/final outcome of Police case:

We made detailed enquiries with the Police at_______________ Police station.According to the Police………………

22 Details of hire purchase agreement with the financiers/present position of loanadvanced by the Financiers/Financiers’ interest in final settlement of claim:

23 Enquiries with the RTO:We made detailed enquiries with the RTO at……………………

24 Final observations:25 Enclosures:

5150


TOO BUSY FOR A FRIEND

One day a teacher asked her students

to list the names of the other students in

the room on two sheets of paper, leaving

a space between each name. Then she

told them to think of the nicest thing they

could say about each of their classmates

and write it down. It took the remainder

of the class period to f inish their

assignment, and as the students left the

room, each one handed in the papers that

Saturday, the teacher wrote down the

name of each student on a separate sheet

of paper, and listed what everyone else

had said about that individual. On Monday

she gave each student his or her list.

Before long, the entire class was smiling.

“Really?” she heard whispered. “I never

knew that I meant anything to anyone!” and,

“I didn’t know others liked me so much.”

Were most of the comments. No one ever

mentioned those papers in class again. She

never knew if they discussed them after class

with their parents, but it didn’t matter. The

exercise had accomplished its purpose. The

students were happy with themselves and

one another. That group of students moved

on.

Several years later, one of the

students was killed in Vietnam and his

teacher attended the funeral of that

special student. She had never seen a

serviceman in a military coffin before.

He looked so handsome, so mature. The

church was packed with his friends. One

by one those who loved him took a last

walk by the coffin. The teacher was the

last one to bless the coffin. As she stood

there, one of the soldiers who acted as

pallbearer came up to her. “Were you

Mark’s math teacher?” he asked. She

nodded: “yes.” Then he said: “Mark

talked about you a lot.” After the funeral,

most of Mark’s former classmates went

together to a luncheon. Mark’s mother

and father were there, obviously waiting

to speak with his teacher “We want to

show you something,” his father said,

taking a wallet out of his pocket. “They

found this on Mark when he was killed.

We thought you might recognize it.”

Opening the bi l l fold, he careful ly

removed two worn pieces of notebook

paper that had obviously been taped,

folded and refolded many times. The

teacher knew without looking that the

papers were the ones on which she had

listed all the good things each of Mark’s

classmates had said about him.

“Thank you so much for doing that,”

Mark’s mother said. “As you can see,

Mark treasured it.” All of Mark’s former

classmates started to gather around.

Charlie smiled rather sheepishly and said,

“I still have my list. It’s in the top drawer

of my desk at home.” Chuck’s wife said,

“Chuck asked me to put his in our

wedding album.” “I have mine too,”

Marilyn said. “It’s in my diary.” Then

Vicki, another classmate, reached into her

purse and showed her frazzled list to the

group. “I carry this with me at all times,

“ Vicki said and without batting an

eyelash, she continued: “I think we all

saved our lists.” That’s when the teacher

finally sat down and cried. She cried for

Mark and for all his friends who would

never see him again. The density of

people in society is so thick that we

forget that life will end one day. And we

don’t know when that one day will be.

So please, tell the people you

love and care for, that they are special

and important. Tell them, before it

is too late.. . AND ONE WAY TO

ACCOMPLISH THIS IS: Forward this

message on. If you do not send it, you

will have, once again passed up the

wonderful opportunity to do something

nice and beautiful. If you’ve received this,

it is because someone cares for you and

it means there is probably at least

someone for whom you care.If you’re

“too busy” to take those few minutes right

now to forward this message on, would

this be the VERY first time you didn’t

do ihat little thing that would make a

difference in your relationships? The

more people that you send this to, the

better you’ll be at reaching out to those

you care about Remember, you reap what

you sow, what you put into the lives of

others comes back into your own.

MAY YOUR DAY BE BLESSEDAND AS SPECIAL AS YOU ARE.

Editor’s Note

This message came in the net. Themessage is very clear. Every one of us havea heart but forgot how to use it. We needthis and much more to achieve a crime-free world!

52 53


Letter of Authentication for Ready Reckoner Entries

From Date:

To

M/s Amaran Register Private Ltd.,A6 Raviram ApartmentsNew # 75, Arya Gowda RoadWest MambalamChennai 600033

Dear Sirs

Re: Ready Reckoner Entries

We enclose attested photocopies of RC,FIR and Policy of vehicles undertheft claim with us. We have noted the claim number clearly in the Policy copyfor insertion in the ready reckoner published by you in your monthly “THE EVERREADY UNIVERSAL GUIDE”.

The number of sets enclosed are_____(_______________)

Please do the needful

Seal Signature of Authorized officer

54

Details of Recovered vehicle from Police Stations

Name of Police Station with Code # _________________________

Police station area PIN code _________________________

Recovered Vehicle Details _________________________

Class of vehicle _________________________

Make (Mention Brand Name) _________________________

Model _________________________

Number on the registration plate _________________________

Chassis number on physical verification _________________________

Engine number of physical verification _________________________

Full address, where the vehicle was recovered: -

Crime Number & Section under which case is registered: -

Nearest office of the Insurance company where the intimation of recovery given:

Remarks if any: -

Signature of Officer in charge (seal)

(Please fill up in English only)

55


Subscription Form

From Date:

To

M/s. Amaran Register Private LtdA6, Raviram Apartments75, Arya Gowda RoadWest MambalamChennai – 600 033

Dear Sirs,

We enclose a DD Number __________________ drawn on

_____________________Bank in favor of Amaran Register Private Ltd. payable

at Chennai, for Rs. 1000 /- (Rupees One Thousand only) as yearly subscription

to THE EVER READY UNIVERSAL GUIDE for one year.

Office seal Authorized Signatory

56 57

Registered Office : 12, Ram Nagar, 5th Street, Nanganallur, Chennai - 600 061.Phone : 2346030 / 2347501 E-mail:[email protected]

Application No. Date :

APPLICATION FOR ENROLLMENT AS MEMBER

1. Name :

2. Address (residence) :

3. Office Address :

4. Communication Channels

Phone (O) : Pager :

Phone (R) : Cell :

Fax : e-mail ID :

5. Year in which applicant entered the fields as investigator :

6. Portfolio specialization, if any]

Signature of ApplicantDECLARATION

1. I stae the information provided above are true to be best of my knowledge.2. I agree to abide by the rules & regulations of Claims Investigators Association of

India as given in their Bye-laws and the decisions of the Managing Committee.

Signature of the Applicant


AffixPassport Size

Photo &Sign across

Regn.No.7 of 2001


58

Claims Investigators Association of India(Regd. No. 7/2000)

# 12, Ram Nagar 5th Street, Nanganallur,Chennai – 600 061. Phone: 22347501

email : [email protected]

General Secretary /President


12, Ram Nagar 5th Street, Nanganallur, Chennai – 600 061

For Membership please fillup the application form given in the reverse

Membership subscription : Rs. 250/- per annum for individual and Rs.550 for firms.

Enrolment charges : Rs.50/-

Please send DD payable at Chennai drawn in favour of Claims InvestigatorsAssociation of India and enclose 2 stamp size photographes for ID & selfattested copy of Driving License.

Printed by : V. RAVI Printed at JAI GANESH OFFSET PRINTERS,19, Venkatasamy Lane, Santhome, Chennai - 600 004.

Published by : Ms. AMBICA ANANTHAN on behalf of AMARAN REGISTER PRIVATE LTD.Published at : A6, Raviram Apartments old # 30, New # 75, Arya Gowda Road,

West Mambalam, Chennai - 600 033.

Editor : P. ANANTHAN

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