the ever ready universal guide

Vol. 1 THE EVER READY UNIVERSAL GUIDE January 2003Vol. 1 THE EVER READY UNIVERSAL GUIDE January 2003

THE EVER READY UNIVERSALGUIDE

for the Use of

Police department

Insurance Companies

Banks and Financial Institutions

A READY RECKONER

To trace more number of Stolen Vehicles


INDEX1 Editorial 1

2 Thank You Insurers 4

3 How to use this Ready reckenor (Police department) 6

4 How to use this Ready reckenor (Insurance companies) 7

5 Ready reckenor List (Chassis No./Engine No. - wise) 8

6 Ready reckenor List (Ar No - wise Insurers/Police details) 28

7 Subscription 43

8 We and our Social obligations 44

9 Extracts from an Investigation Report 45

10 Quotable Quotes 46

11 Cost of keeping them in safe custody and 47suggestions to reduce it to reasonable levels

12 Banks and financial Institutions 48

13 Why every Division/Branch of Insurance Companies 49need this Ready Reckenor?

14 Third Party Claims An Introduction 50

15 All about Investigation - 1

16 The Hare and the Tortoise (True story!) 55

17 Claims Investigators Association of India 58

18 Form of Authentication Letter for entries 59

19 Form for Details of recovered vehicles 60

20 Subscription requisition 61

21 Importance of PIN 62

EDITORIAL

“Crime control and prevention of

crime could not solely be the

responsibility of the Police, the

prosecution, the courts and the

correctional institutions but require full

co-operation and coordinated action on

the part of all the sections of the

society”—quote from the Souvenir

released on the occasion of All India

Criminology conference conducted in

New Delhi during 1st to 3rd November

2001 by National Institute of Criminology

& Forensic Science.

There is a marked increase in the

awareness of the need to strengthen the

hands of Police Investigating officers at

various levels of public. The main aim of

this publication is one such attempt. When

we published a pilot issue and sent into a

limited circulation in 1992, there was a

spontaneous response from various

Police Officials across the country. Due

to various factors it could not be

continued at that time. In the present

scenario we decided to continue with our

efforts.

One of the areas where the Police

investigating officers find it more and

more difficult is in tracing stolen vehicles.

The amount of time and work they spend

in each case is mind-boggling when one

considers the number of vehicles reported

stolen across the country. To help them

in identifying stolen vehicles a Ready

Reckoner of stolen vehicles by their

Chassis numbers and Engine numbers are

prepared and given in this issue.

It is our sincere hope that this will

be of some help to the Police officers

engaged in routine checks in Parking Lots

at Railway stations, Bus Terminals,

Airports, Public parking lots in busy

sections of the city, routine vehicle checks

on the Highways, Mechanic shops etc.

There are vehicles being run with forged

RC books, which can be easily identified

with this list.

Similarly, when they nab a culprit

and through him many vehicles, the time

and money spent on connecting them to

their legal owners can be saved through

this system. We will include a section on

Recovered vehicles that will reach all

Insurance Companies. When the list of

stolen vehicles is complete and up to date,

1 2


the DETAILS OF RECOVERED

VEHICLES CAN

BE HAD WITHIN MINUTES. The

Police authorities may send the details

of recovered vehicles in the prescribed

form, which we can include in the

subsequent issue.

Insurance companies who shell out

huge amounts of money also can use this

Ready Reckoner to weed out such

vehicles, which come for Insurance cover

with forged RC book (which is then

REGULARISED by getting a legitimate

RC from regular RTOs). In the past the

Police have unearthed parallel illegal set

ups running like a regular RTO. These

set ups have been running successfully for

many years before they are caught. One

just cannot imagine the quantity of forged

documents on the circulation to day

across the country.

Someone has to start somewhere to

correct these aberrations of society. As

insurance Investigators we thought this

would be a good start like any other that

have or may come to light. We dedicate

this issue to the Insurance Industry as a

whole, which in their own way can help

prevention efforts of the Insurance

Companies. Third party claims settlement

constitutes a major chunk of outflow of

every Insurance Company. In the present

set up the time interval between the date

accident and the date of notice to the

Insurance Companies is much and there

are many cases reported of manipulating

records to defraud the Insurance

companies. Insurance Investigators are

indispensable tool to bring this aspect to

more controllable level.

We invite suggestions from

experienced Investigators from across the

country to control third party claims to

justifiable limits. An accident victim must

be compensated at the earliest. Justice

delayed is justice denied. At the same time

the Insurance Company cannot be taken

for a ride. To achieve this, a well-

coordinated team at every district level

will be of much use. To this end it is

important to coordinate with Insurance

Investigators across the country. “Claims

Investigators Association of India” a

registered Association of Insurance

investigators through their members,

have contributed articles on typical cases

encountered by them. These reports are

the Police in identifying stolen vehicles,

which might have got an insurance cover

using forged documents.

In majority of the cases the

Insurance claims are settled after

verifying the RC book, which are not

verified with the RTO unless some

discrepancy is found or in cases of theft.

Physical verification of the vehicle’s

Chassis Number is rarely done at the time

of issuing a policy. This list can be used

to verify this at the time of issuing a Policy

One investigator raised a question

recently. What is the use of this list

containing just around 500 entries? As

we said it is a start and the Insurers are

free to send as many entries as they want

to make this list more comprehensive.

More number of entries means increased

possibilities of identifying a stolen vehicle.

This system can be extended to other items

also like Laptops, Cell phones etc. A study

is going on to make this system more

useful to all Government agencies. In this

issue we have included some interesting

cases handled by professional Insurance

Investigators. These represent valuable

contribution of Insurance Investigators

made towards loss minimization and loss

confidential in nature and hence the names

of the Insurers, Insured and other

concerned agencies are withheld. The

matter is more important and illuminating.

The readers may find some of them similar

to cases handledby them.

We welcome valuable suggestions

from Police officers, Insurance companies

and other Government agencies concerned.

P. Ananthan

Editor

---------------------

Thank You Insurers!

We thank the Insurers for sending in

authentic data for compiling and

publication. However we would like to point

out certain omissions. Some of the

documentation is not complete. In some

cases the copy of RC and in some cases the

policy were not enclosed. Without these, the

compilation cannot be complete. We

request the Insurers to continue sending the

entries (with CLEAR copies of RC, FIR

and Policy – complete in all respects and

attested) on or before 10th of every month.

The compiled list will be published in the

subsequent issue. Compilation charges arenil.

3 4


THE EVER READY

UNIVERSAL GUIDE

READY RECKONER

For the use of

Police Departments

Insurance companies

Other concerned

Government agencies

&

Members of

Claims Investigators Association

of India

To trace more number of stolen vehicles

LET US DO IT TOGETHER

HOW TO USE THIS READY RECKENOR(Police department)

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

v Highwaysv Check postsv Busy junctions in a town/cityv Air Port Parking Lotv Railway Station Parking Lotsv Cinema Halls Parking Lotsv Automobile Garagesv 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 appropriate vehiclemake/model classification. For Example if you are checking a HEROHONDASplendor, look under the heading – HeroHonda-Splendor. The Chassis number islisted separately and the engine number is listed separately as they are separateunits and can be inter-changed.

v Check the vehicle RC with the number on the vehiclev Compare the chassis/engine number with the Listv If matching number not found clear the vehicle.v 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 reference ARNumber.

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

5 6


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 withoutany problem. Till to date there is no way for an Insurer to verify this clevermanipulation.

NOW IT IS EASY TO WEED OUT SUCH VEHICLES

PROCEDURE

1. Whenever a vehicle come for renewal of Policy, obtain a copy of RC attestedby the insured him/her self for records.

2. Check the Engine and Chassis Number with the list given in the ReadyReckoner.

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

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

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

6. If such vehicles are already under claim – the Insurers have the option ofstopping the payment – and then take necessary action. This is not only lossprevention but also – by initiating action with the help of the Police – recoversome value in the process.

7. When this Ready Reckoner is updated regularly, it will help in reducingoverall costs for the Police and help them to recover more number of stolenvehicles, thereby help the Loss Minimization efforts of the InsuranceCompany

This system can be extended to costly equipments like Laptops. Insurersmay send in suggestions for improving this system. Ultimately it is for themonly!!

AMBASSADOR (All Models)

Chassis Number AR # Engine Number AR NO

AEY 801646 000286 6 EDGU 128930 000380

AGU 720142 000380 6 EDJT 109461 000304

AJT 699565 000304 6 EPEY 020053 000286

III 211871 000030 6EH 043776 000146

III 324710 000175 D 280163 000030

III 374236 000110 D 299354 000316

III 393108 000103 ODH 57018 000392

III 463480 000054 OED 035787 000080

III 467521 000140 OER 13061 000175

III 471750 000392 OET 10603 000110

III 561633 000146 OEU 11428 000103

III 587209 000080 OEY 10893 000054

III 593967 000316 OEY 13384 000140

API LAMBY

Chassis Number AR N# Engine Number AR NO

001415 000068 001415 000068

378729 API 000058 150 CY 378729 000058

389592 APJ 150 LY 000112 150 LY 389592 000112

389699 API 150 LY 000111 150 LY 389699 000111

ASHOK LEYLAND ALCO 3/3 TIPPER

Chassis Number AR NO Engine Number AR NO

NPE 253681 000244 NPE 132302 000244

BAJAJ 4 S


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

7 8


BAJAJ AUTOChassis Number AR # Engine Number AR NO009660 000055 009461 00005504 C 363143 000079 04 E 381176 00007905 C 391644 000093 05 E 422683 00009324 C 006622 000026 24 E 006540 00002624 C 024172 000141 24 E 023466 00014124 C 037875 000102 24 E 036947 00010224 F BDM 47041 000251 24 M BDM 96488 00025124 FBGA 01936 000548 AEMBG 013995 000548F 24 BM 020988 000554 E 24 DB 061374 000136F 24 DB 062722 000136 M 24 BM 023990 000554W 24 C 012699 000540 W 24 C 050179 000536W 24 C 047247 000549 W 24 E 012591 000540W 24 E 049396 000536 W 24 E 046023 000549

BAJAJ BOXER (AT & CT)Chassis Number AR NO Engine Number AR NODFFBFM 62559 000285 31 MBGC 08116 000295DFFBGC 19498 000295 DFMBFM 72029 000285DFFBHC 71356 000281 DFMBHC 85901 000281

BAJAJ CALIBERChassis Number AR NO Engine Number AR NODDFBEE 01781 000156 DDMBEE 01842 000156DDFBEG 07887 000151 DDMBEG 07659 000151DDFBEG 08025 000165 DDMBEG 08186 000165DDFBEM 66129 000412 DDMBEM 69168 000412DDFBFE 44261 000291 DDMBFE 83307 000291DDFBFF 87515 000292 DDMBFF 94468 000292DDFBGC 78706 000275 DDMBGC 28086 000275DDFBHB 52188 000252 DDMBHB 12180 000252

BAJAJ CHETAKChassis Number AR NO Engine Number AR NO03 C 501 180289 000289 03 E 502 178137 000289

06 C 703788 000170 06 E 740043 000170

06 C 803088 000128 06 E 833372 000128

06 C 8103 136224 000174 35 E 96 K 48759 000280

06 D 96 P 67336 000265 6 F 8103 165912 000174

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

W 06 C 016260 000012 W 06 E 016424 000012

BAJAJ KB 100Chassis Number AR NO Engine Number AR NO30 F 94 D 07699 000220 30 M 94 D 06589 000220

3 DC 079689 000434 3 DE 076447 000434

30 C 099117 000349 30 E 097862 000349

BAJAJ LEGENDChassis Number AR NO Engine Number AR NO28 CBFH 39808 000290 28 EBFH 40157 000290

BAJAJ M 80Chassis Number AR NO Engine Number AR NO16 C 94G35760 000181 16 E 94G35812 000181

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

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

16 CBEC 33864 000453 16 EBEC 35803 000453

16 CBEE 57820 000411 16 EBEE 57832 000411

16 CBFK 15371 000214 16 EBFK 18720 000214

16 CBGE 08648 000373 16 EBGE 10501 000373

16 CBGK 56342 000455 16 EBGK 58571 000455

16 CBHF 84103 000377 16 EBHF 86840 000377

9 10


BAJAJ RAVE,SUNNY,SUPER,SUPER FE,


34 CBDG 14207 000552 34 EBDG 14044 000552

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

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

W 05 C 260260 000027 W 05 E 248621 000027\

BAJAJ TEMPO


3 FD 19747 000178 3 D 184403 000178

ENFIELD SILVERPLUS


A 50072 E7 000075 203610 E7 000075

ENFIELD BULLET


181971/8JX 000081 181971 000081

9 B 393144 000088 393144 000088

OB 420405 000147 OB 420405 000147

ENFIELD EXPLORER


618735 CB 000173 318690 CB 000173

B 63437 C 2 000344 363175 C 2 000344

FORD IKON


MAJAXXMRTA 05848 000199 YA 05848 000199

HEROHONDA SPLENDORChassis Number AR NO Engine Number AR NO00 M 20 C 22612 000489 00 M 18 M 22705 00048900 A 10 F 10829 000355 00 E 18 M 10170 00030800 B 19 F 07774 000404 00 A 10 E 22143 00035500 B 20 C 03366 000447 00 B 17 E 07158 00040400 E 20 C 09920 000308 00 B 18 M 03578 00044700 F 20 C 11321 000360 00 C 18 E 15957 00035200 F 20 C 16430 000222 00 F 18 E 10777 00036900 F 20 C 17810 000210 00 F 18 E 10784 00032500 F 20 F 10954 000369 00 F 18 M 10748 00036000 F 20 F 11097 000325 00 F 18 M 15098 00022200 G 20 C 22611 000387 00 F 18 M 18084 00021000 L 20 C 09228 000238 00 G 18 M 22696 00038700 L 20 C 27774 000358 00 L 18 M 09123 00023800 M 20 F 26843 000406 00 L 18 M 19789 00036600120 C 19720 000366 00 L 18 M 27752 0003580020 F 14844 000352 00 M 18 E 25958 00040601 B 20 C 23112 000350 00798 00037601 B 20 F 01745 000556 01 B 18 E 01343 00055601 G 20 C 06790 000297 01 B 18 M 23274 00035001 G 20 F 12083 000378 01 G 18 B 12199 00037807744 000157 01 G 18 M 00521 00029795 D 19 F 00870 000219 08004 00015795 K19 F 02438 000533 95 D 17 E 00602 00021996 F 19 F 05169 000439 95 K 17 E 02547 00053396 G 19 F 03868 000205 96 F 17 E 05192 00043997 F 17 E 63639 000320 96 G 17 E 03624 00020597 F 19F 09089 000250 97 F 17 E 03444 00032097 G 19 F 07919 000264 97 F 17E 10196 00025097 G 19 F 09719 000324 97 G 17 E 08190 00026497 J 19 F 08024 000438 97 G 17 E 09009 000324

11 12


HEROHONDA SPLENDOR (Cont’d)Chassis Number ARNO Engine Number ARNO97 J 19 F 09920 000327 97 J 17 E 08156 00043897 J 19 F 11531 000322 97 J 17 E 10435 00032797 K 19 F 03142 000319 97 J 17 E 11913 00032297 K 19 F 08186 000396 97 K 17 E 03069 00031997 K 19 F 09591 000249 97 K 17 E 08038 00039697 M 19 F 30892 000541 97 K 17 E 09900 00024998 A 19 F 04572 000354 97 M 17 E 30853 00054198 B 19 F 04860 000449 98 A 17 E 04939 00035498 D 19 F 03986 000301 98 B 17 E 04798 00044998 F 19 F 05465 000150 98 D 17 E 03583 00030198 G 19 C 06047 000241 98 F 17 E 05455 00015098 G 19 F 05736 000257 98 G 17 E 6103 00025798 G 19 F 09061 000227 98 G 17 M 05250 00024198 H 19 C 02106 000395 98 H 17 M 01989 00039598 J 12 F 11536 000372 98 J 10 S 22645 00037299 D 19 C 02687 000385 98817 E 09026 00022799 D 19 C 09360 000318 99 D 17 M 02641 00038599 E 12 F 06611 000361 99 D 17 M 09345 00031899 F 19 C 08774 000452 99 E 10 E 12811 00036199 G 19 C 00985 000389 99 F 17 E 01887 00034799 G 19 C 09992 000213 99 F 17 M 07533 00045299 G 19 F 09206 000347 99 G 17 M 00405 00038999 H 19 C 03689 000196 99 G 17 M 10148 00021399 H 19 C 11365 000557 99 H 17 E 07866 00036799 H 19 C 11769 000309 99 H 17 M 02528 00019699 H 19 F 08162 000367 99 H 17 M 10802 00030999 M 17 C 00807 000376 99 H 17 M 10978 00055799 M 19 C 08528 000403 99 M 117 M 09091 00041499 M 19 C 2418 000414 99 M 17 C 05321 000403

HEROHONDA SPLENDOR (Cont’d)

Chassis Number ARNO Engine Number ARNO

C 10 F 107487 000418 C 10 E 107623 000418

C B 03003788 000353 C B 13005046 000353

HEROHONDA SLEEK


E 11 F 009179 000172 E 10 E 350828 000172

HEROHONDA (CD 100 SS,100,100DX)


01 G 13 F 00063 000400 01 G 13 E 00024 000400

11331 000342 21543 000342

95 M 12 F 01444 000155 95 M 10 E 01225 000155

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

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

98 D 10 F 02886 000149 98 B 10 E 02709 000149

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

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

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

99 H 10 F 06239 000268 9910 E 22860 000371

B 10 F 075853 000064 B 10 E 075787 000064

B 10 F 100107 000119 B 10 E 100242 000119

D 10 F 194376 000020 D 10 E 194311 000020

D 10 F 213771 000039 D 10 E 213556 000039

D 10 F 230063 000021 D 10 E 2302259 000021

D 10 F 237815 000019 D 10 E 2337482 000019

D 10 F 254540 000116 D 10 E 254568 000116

F 10 F 368223 000098 F 10 E 375697 000098

F 10 F 380646 000105 F 10 E 393271 000105

13 14


KELVINATOR AVANTIChassis Number ARNO Engine Number ARNO095279596 000083 214804324 00007248220548 000072 320980544 000083

KINETIC HONDAChassis Number ARNO Engine Number ARNONIFKA 484511 000490 NIFKA 474102 000490NIEF 128589 000123 569788 NIECM 000326NIEGA 254622 000139 NIEC 028298 000127NIERB 941406 000448 NIEF 129882 000123NIF CM 579566 000326 NIEFE 190112 000115NIFC 028347 000127 NIEGA 248176 000139NIFFE 190622 000115 NIEHD 346068 000201NIFHD 355851 000201 NIEKM 471128 000445NIFKM 481537 000445 NIEMF 628458 000451NIFMF 635696 000451 NIENE 735601 000390NIFNE 741438 000390 NIEPX 822280 000544NIFPE 827713 000544 NIERB 937054 000448NIFSG 097282 000402 NIESG 093152 000402NIFSL 143705 000221 NIESL 139279 000221NIFTB 164067 000394 NIFTB 160431 000394

KINETIC LUNA,LUNA SUPER,SAFARI)Chassis Number ARNO Engine Number ARNO32006593 000122 31014774 00012298 K 13043668 000328 98 K 13073055 000328AL 19000012 000287 AL 19001568 000287

LAMBRETTAChassis Number ARNO Engine Number ARNO191929 API 000022 150LI193223 000022

LML VESPA (NV,XE)Chassis Number ARNO Engine Number ARNOC 10 C 564572 000218 AH 31849 E 000070CH 449848 000028 CN 448397 000028XEA 032538 000070 E 10 C 562038 000218

MAHINDRA JEEPChassis Number ARNO Engine Number ARNOCI 500 DI 4 DSDS 43315 000330 DS 43315 000330CL 550 MD 4 FVDV 204583 000331 DV 204583 000331

MAHINDRA TRACTORChassis Number ARNO Engine Number ARNOA 98280 000333 3 SA 26923 000333

MAHINDRA NISSANChassis Number ARNO Engine Number ARNOEYH 4 HA 375631 16823 000303 IC 15386 000303

MAHINDRA MAXICABChassis Number ARNO Engine Number ARNOMA 1 JG 2 FAA 13 J 22317 000407 S 43356876 000407

MARUTHI 800Chassis Number ARNO Engine Number ARNO357235 000314 499352 000314SB 308 IN 1025487 000299 F 8 BIN 105745 000215SB 308 IN 1015941 000442 F 8 BIN 1336939 000442SS 80 FIN 140108 000215 F 8 BIN 1351167 000299

MARUTHI ESTEEMChassis Number ARNO Engine Number ARNOMA 3 EBE 41 S 00 251748 000312 G 13 BIN 619545 000312

15 16


MARUTHI OMNI


956863 000338 922062 000338

ST 91 IN 855706 000133 F 8 BIN 563754 000133

ST 91 IN 136639 000482 F 8 BIN 1254496 000482

MARUTHI ZEN VX


429110 000305 419718 000305

MA 3 EYE 31 S 00 290303 000311 G 10 BIN 285149 AW 000311

OPEL ASTRA


56 V 100839 000198 16 N/R 02 FE 6849 000198

56 V 079528 000410 16 LZ 5010301 000410

PREMIER PADMINI


A 216025 000016 PA 136635 000016

RAJDOOT


115 248006 000074 111 51 245203 000074

115 457806 000124 111 51454813 000124

115 549940 000024 115 1546947 000024

777924 000010 771931 000010

908496 000082 905503 000082

959605 000063 959605 000063

981583 000085 981583 000085

SUZUKI AX (100,100R)Chassis Number ARNO Engine Number ARNO1012 F 283254 000456 1012 M 289579 0004561711 F 138240 000008 1711 M 145199 0000081805 F 172054 000002 1805 M 178439 0000021807 F 179362 000005 1807 M 186966 0000051809 F 183972 000071 1808 M 188666 0000711904 F 218258 000142 1904 M 225945 0001423512 F 032058 000092 3512 M 040099 0000923604 F 055587 000007 3604 M 062839 0000073608 F 082699 000059 3608 M 089042 0000593608 F 085622 000061 3608 M 092297 0000613609 F 091118 000176 3609 M 097716 0001763610 F 095107 000067 3610 M 101738 0000673708 F 122774 000023 3708 M 129826 0000233709 F 131812 000015 3709 M 138228 0000154706 F 110499 000017 4705 M 116833 0000174708 F 12546 000060 4708 M 132040 0000605809 F 185959 000135 5809 M 192773 000135A 908 F 272447 000113 A 908 M 271105 000113

SUZUKI MAX (100,100 R, 100 DC)Chassis Number ARNO Engine Number ARNO1006 F 679010 000405 1006 M 730927 0004051008 F 721868 000261 1008 M 774136 0002611102 F 858005 000248 1102 M 911029 0002481105 M 970226 000409 1105 F 916714 0004091201 F 125617 000263 1201 M 181115 0002631612 F 737196 000233 1612 M 783113 0002331704 F 794755 000293 1704 M 840647 0002931803 F 9839968 000537 1803 M 030983 0005371810 F 130113 000200 1810 M 177717 000200

17 18


SUZUKI MAX (100,100 R, 100 DC)Chassis Number ARNO Engine Number ARNO1810 F 141355 000362 1810 M 188837 000362

1811 F 169389 000399 1811 M 217243 000399

1901 F 204916 000228 1901 M 252988 000228

1904 F 285881 000160 1904 M 334375 000160

1909 F 419751 000444 1909 M 465819 000277

1909 F 421139 000346 1909 M 469357 000444

1909 F 433335 000246 1909 M 471128 000346

1909 F416078 000277 1909 M 483279 000246

1910 F 452211 000375 1910 M 502353 000375

1911 F 478084 000211 1911 M 528344 000211

541453 000253 584996 000253

7606 F 655012 000153 7606 M 699949 000153

9011 F 775028 000356 9011 M 826613 000356

9101 F 833466 000397 9101 M 886416 000397

9101 F 834115 000446 9101 M 887067 000446

9102 F 859034 000283 9102 M 912047 000283

9103 F 883258 000258 9103 M 936504 000258

9104 F 908901 000202 9104 M 962250 000202

9109 F 021549 000363 9109 M 076685 000363

SUZUKI SAMURAIChassis Number ARNO Engine Number ARNO1801 F 950810 000154 1801 M 997697 000154

7003 F 594097 000271 7003 M 645256 000271

7011 F 776237 000278 7011 M 829189 000278

7103 F 886986 000255 7103 M 939966 000255

7103 F 889958 000231 7103 M 96358 000231

7309 F 378932 000256 7309 M 410607 000256

SUZUKI SAMURAI (Cont’d)


7405 F 422332 000435 7405 M 461641 000435

7508 F 534605 000266 7508 M 578029 000266

7509 F 554595 000401 7509 M 598124 000401

7510 F 56326 000440 7510 M 607448 000440

7512 F 582000 000437 7512 M 625905 000437

7609 F 690377 000329 7609 M 735528 000329

7610 F 704676 000236 7610 M 749803 000236

7705 D 814776 000310 7705 M 860509 000310

7801 F 945788 000359 7801 M 006389 000217

7801 F 959361 000217 7801 M 006389 000398

7801 F 959361 000398 7801 M 992687 000359

7808 F 097878 000243 7808 M 145293 000243

7811 F 154951 000229 7811 M 202457 000229

7903 F 268699 000337 7903 M 316915 000337

TATA 1210 SE


692 001 232314 000137 344 073 224273 000137

692 001 763287 000138 344 073 760422 000138

TATA 1520


344 052 127800 000087 692 D 02134831 000087

344 073 761776 000062 692 D O1 764867 000062

TATA INDICA


600142 GYZP 36615 000408 4751 D 12 GYZP 35745 000408

19 20


TATA SUMOChassis Number ARNO Engine Number ARNO385003 ASQ 902836 000384 483 DL 41 ARQ 706526 000148385003 FRQ 913912 000279 483 DL 41 ASQ 707539 000384385003 HSQ 937885 000332 483 DL 41 FRQ 737995 00027938503 ARQ 903379 000148 483 DL 41 HSQ 796562 000332440 738 00589 000109 692 DO 1805081 000109

TATA TIPPERChassis Number ARNO Engine Number ARNO373 094 HQQ 117769 000317 697 D 21 GQQ 123473 000317

TVS 50 (XL,XT)Chassis Number ARNO Engine Number ARNO023255 11 81 000004 023483 11 81 000004066544 2 87 000052 067045 2 87 000052112833 07 87 000001 113414 07 87 000001115796 07 83 000130 116170 07 83 000130136117 10 83 000144 135836 10 83 000144159186 1 88 000056 159707 1 88 0000561894840684 000091 1902420684 0000911946470684 000120 1952790684 000120354164 000121 360361 00012139339202/86 000118 39334902 000118443939 000179 444405 0001794811 F 118603 000013 4811 M 131100 000013495808 7 87 000050 496412 7 87 0000504967870787 000097 4974010787 0000976902 F 163999 000003 6902M183960 000003A 001 F 295615 000510 A 904 M 095892 000515A 001 F 305558 000334 A 001 M 276165 000510A 001 F 309470 000274 A 001 M 286067 000334

TVS 50 (XL,XT) Cont’dChassis Number ARNO Engine Number ARNOA 002 F 327229 000101 A 001 M 289992 000274A 005 F 394004 000335 A 002 M 327426 000101A 006 F 362935 000100 A 005 M 374886 000335A 007 F 428405 000508 A 006 M 354679 000100A 008 F 398688 000089 A 007 M 409269 000508A 008 F 439320 000530 A 008 M 388213 000089A 008 F 450873 000504 A 008 M 420172 000530A 009 F 461841 000547 A 008 M 431021 000504A 011 F 423627 000117 A 009 M 442604 000547A 101 F 5141671 000511 A 011 M 421943 000117A 104 F 564936 000517 A 101 M 495346 000511A 104 F 568705 000415 A 104 M 545597 000517A 108 F 620142 000522 A 104 M 549360 000415A 202 F 667874 000529 A 108 M 600528 000522A 304 F 747658 000169 A 202 M 648165 000529A 503 F 056846 000235 A 304 M 742955 000169A 603 F 300714 000501 A 503 M 042034 000235A 611 F 496715 000519 A 603 M 282866 000501A 612410886 000107 A 611 M 479613 000519A 701 F 539279 000416 A 617240886 000107A 701 F 550522 000339 A 701 M 522365 000416A 702 F 571901 000208 A 701 M 533324 000339A 707 F 699794 000483 A 702 M 554971 000208A 709 F 727115 000288 A 707 M 682017 000483A 803 F 871727 000500 A 709 M 709243 000288A 804 F 023134 000049 A 803 M 853746 000500A 807 F 938654 000162 A 804 M 031193 000049A 808 F 970381 000491 A 807 M 920898 000162A 809 F 110002 000108 A 808 M 952197 000491A 812 F 145147 000096 A 809 M 101592 000108

21 22


TVS 50 (XL,XT) Cont’dChassis Number ARNO Engine Number ARNOA 901 F 166599 000106 A 812 M 142924 000096

A 903 F 184798 000045 A 901 M 164190 000106

A 904 F 114220 000515 A 903 M 187433 000045

A 905 F 148837 000488 A 905 M 130427 000488

A 906 F 168739 000226 A 906 M 150501 000226

A 908 F 197398 000267 A 908 M 178533 000267

A 908 F 203403 000493 A 908 M 1844806 000493

A 908 F 203578 000492 A 908 M 184724 000492

A 908 F 267797 000044 A 908 M 269069 000044

A 909 F 2220940 000497 A 909 M 203300 000497

A 909 F 236718 000161 A 909 M 217590 000161

A 909 F 243066 000336 A 909 M 224523 000336

A 909 F 275605 000051 A 909 M 276140 000051

A 909 F 276853 000018 A 909 M 278004 000018

A 909 F 276905 000114 A 909 M 278175 000114

A 9097 F 173173 000494 A 9097 M 154867 000494

C 008 F 358770 000143 C 008 M 383256 000143

C 805 F 046961 000048 C 805 M 047817 000048

C 809 F 091431 000014 C 809 M 096036 000014

C 811 F 136307 000065 C 811 M 138088 000065

C 901 F 169495 000066 C 901 M 168207 000066

C 905 F 2096674 000104 C 905 M 219906 000104

C 909 F 277703 000077 C 909 M 279218 000077

C 912 F 320426 000078 C 912 M 315151 000078

P 1005 F 276408 000269 P 1005 M 274228 000269

P 1107 M 443464 000421 P 1107 F 448794 000421

P 1911 F 184352 000204 P 1911 M 183677 000204

PL 91 ZF 201800 000514 PL 91 ZM 200855 000514

TVS CHAMPChassis Number ARNO Engine Number ARNO001684 4 87 000046 001614 4 87 000046007732 9 87 000047 007982 9 87 000047D 001 F 294375 000212 D 001 M 274970 000212D 002 F 335835 000073 D 002 M 342794 000073D 009 F 471995 000209 D 009 M 452544 000209D 101 F 524941 000351 D 101 NM 505509 000351D 307 F 779650 000422 D 307 M 774864 000422D 310 F 816270 000306 D 310 M 808204 000306D 607 F 413935 000203 D 607 M396586 000203D 704 F 620681 000535 D 704 M 603855 000535D 708 F 706562 000551 D 707 M 684128 000551D 708 F 714794 000546 D 708 M 696022 000546D 802 F 847114 000207 D 802 M 82879 000207D 805 F 047080 000094 D 805 M 048123 000094D 805 F 05724 000183 D 805 M 87701 000183D 808 F 088703 000031 D 808 M 091818 000031D 812 F 037274 000180 D 812 M 019025 000180D 902 F 076951 000498 D 902 M 058804 000498D 903 F 091409 000496 D 903 M 073122 000496D 904 F 111121 000391 D 904 M 092833 000391D 904 F 114245 000166 D 904 M 095589 000166D 905 F 221761 000053 D 905 M 223307 000053D 909 F 273471 000032 D 908 N I273577 000032D 912 F 31907 000033 D 912 M 314224 000033DOIOF 480498 000486 DOIOM 461249 000486

TVS SCOOTYChassis Number ARNO Engine Number ARNO16 CBFA 89683 000184 16 EBFA 91318 000184K 95 FF 023387 000182 K 95 FM 024143 000182K 98 CF 171638 000185 K 98 CM 173248 000185

23 24


TVS SPORTS


J 1011 F 353368 000282 P 1011 M 348699 000282

TVS XL SUPER

Chassis Number AR # Engine Number ARNO

P 1007 F 297940 000348 P 1006 M 286294 000341

P 1008 F 313824 000505 P 1007 M 295445 000348

P 1009 F 326954 000340 P 1008 M 311127 000505

P 1101 F 376584 000506 P 1009 M 323902 000340

P 1103 F 420285 000223 P 109 M 477955 000254

P 1104 F 425591 000413 P 1101 M 372081 000506

P 1105 F 434886 000298 P 1103 M 415167 000223

P 1109 F 483918 000254 P 1103 M 418527 000276

P 111 F 515800 000527 P 1104 M 420368 000413

P 1111 F 509658 000525 P 1105 M 429563 000298

P 1201 F 523981 000393 P 1109 M 474720 000383

P 1809 F 055654 000343 P 1111 M 501097 000525

P 1907 F 144087 000259 P 1112 M 507597 000527

P 1907 F 144087 000388 P 1201 M 515776 000393

P 1911 F 193405 000526 P 1809 M 055629 000343

P 3103 F 423799 000276 P 1907 M 143564 000259

P 3109 F 480294 000383 P 1907 M 143594 000388

P1006 F 288804 000341 P 1911 M 192511 000526

P1812 F 081047 000242 P1812 M 080935 000242

VIJAY SUPER


SA 2242235 000134 900 A 453917 000134

YAMAHA RX 100Chassis Number ARNO Engine Number ARNO3 B 273646 000171 273646 000171

94 K ILI 462856 000232 IL2 010767 00016795 D ILI 507833 000230 IL5 007626 000262

96 F IL5 007626 000262 IL5 15919 00045498 B IL3 015919 000454 ILI 015516 000043

ILI 007155 000011 ILI 057653 000197

ILI 015516 000043 ILI 081523 000038ILI 046013 000006 ILI 089444 000041

ILI 057653 000197 ILI 091097 000035ILI 081523 000038 ILI 104587 000034

ILI 088339 000025 ILI 107027 000125ILI 089444 000041 ILI 107488 000069

ILI 091097 000035 ILI 118572 000095ILI 104587 000034 ILI 128369 000090

ILI 107027 000125 ILI 139237 000531ILI 107488 000069 ILI 142402 000086

ILI 118572 000095 ILI 150559 000084ILI 128369 000090 ILI 151116 000126

ILI 139237 000531 ILI 180438 000076ILI 142402 000086 ILI 190099 000129

ILI 150559 000084 ILI 192771 000323ILI 151116 000126 ILI 198273 000132

ILI 180438 000076 ILI 198367 000099ILI 190099 000129 ILI 210288 000152

ILI 192771 000323 ILI 218177 000294ILI 198273 000132 ILI 295846 000315

ILI 198367 000099 ILI 321261 000168ILI 210288 000152 ILI 354798 000543

25 26


YAMAHA RX 100 (Cont’d)Chassis Number ARNO Engine Number ARNOIL2 010767 000167 ILI 046013 000006ILI 218177 000294 ILI 412649 000158ILI 295846 000315 ILI 417510 000443ILI 321261 000168 ILI 462856 000232ILI 354798 000543 ILI 507833 000230ILI 412649 000158 ILI007155 000011ILI 417510 C 94 000443 ILI088339 000025

YAMAHA RX 135Chassis Number ARNO Engine Number ARNO00 A IL5 296437 000216 IL5 150123 00037400 C IL5 316462 000302 IL5 168176 00023700 C IL5 316517 000225 IL5 179847 00026000A IL5 288897 000240 IL5 202520 00045098 B IL5 150123 000374 IL5 217570 00037998 G IL5 179847 000260 IL5 221758 00023498 K IL5 202520 000450 IL5 263238 00035799 B IL5 217570 000379 IL5 268602 00030799 C IL5 221758 000234 IL5 274082 00024599 G IL5 263238 000357 IL5 288897 00024099 J IL5 268602 000307 IL5 296437 00021699 K IL5 274082 000245 IL5 316462 000302C 98 D IL5 168176 000237 IL5 316517 000225

YAMAHA RXGChassis Number ARNO Engine Number ARNO95 J 1L2 000007 000247 1L2 000007 00024797 B IL5 077723 000224 IL3 015315 00041798 B IL3 015315 000417 IL5 077723 000224K5 108350 000163 K5 108350 000163K5 52126 000159 K5 52126 000159

ARNO Insurers Claim # PS Code PS PIN Cr. #000001 NIA-710901 88/0184 62/88000002 NIA-710901 89/0266 O2 692/89000003 NIA-710901 89/0217 R2 2311/89000004 NIA-710901 88-89/0373 R1 881/88000005 NIA-710901 89/0111 C5 479/88000007 NIA-710201 88/0053 J5 1591/87000008 NIA-710201 88/0092 O2 326/88000009 NIA-710201 88/0046 B2 394/87000010 NIA-710201 88/0083 B2 108/88000011 NIA-710201 89/0075 K4 1030/89000012 NIA-710201 90/0063 D6 403/90000013 NIA-710201 89/0017 O1 652/89000014 NIA-710201 89/0069 E1 812/89000015 NIA-710201 89/95 N3 1205/89000016 NIA-710201 88/113 521/87000017 NIA-710201 89/0048 G2 257/88000018 NIA-710201 89-90/182 O2 1470/89000019 NIA-710201 89-90/023 R4 308/90000020 NIA-710201 89-90/022 C5 179/90000021 NIA-710203 89-90/012 K4 1015/89000022 NIA-710202 87/134 226/87000023 NIA-710602 88/268 1695/88000024 NIA-710602 89/64 F5 584/89000025 NIA-710603 89/245 R1 835/88000026 NIA-710603 89-90/159 409/89000027 NIA-710603 89/328 D3 144/89000028 NIA-710403 1991/64 J5 580/90000029 NIA-710803 9/90 F4 264/90000030 NIA-710803 77/89 E1 2159/89000031 NIA-710600 90/15 E3 1493/90000032 NIA-710802 54/1991 J6 579/90000033 NIA-710802 36/89-90 E3 426/90

27 28


ARNO Insurers Claim # PS Code PS PIN Cr. #000034 NIA-712402 89/27 R5 1300/89000035 NIA-712402 88/119 V2 783/88000037 NIA-712402 90/54 K4 1656/89000038 NIA-712402 89/187 R4 894/89000039 NIA-712402 89/174 R2 1740/89000040 NIA-712402 89/147 C2 46/89000041 NIA-712402 89/144 W1 143/89000042 NIA-712402 89/133 450/88000043 NIA-712402 89/132 1178/88000044 NIA-711207 90/56 1083/89000045 NIA-711207 90/38 64/90000046 NIA-711105 88/15 24/88000047 NIA-711207 79/90 270/89000048 NIA-711207 16/89 1543/88000049 NIA-711207 19/90 55/90000050 NIA-711207 90/68 55/90000051 NIA-711207 90/67 74/000052 NIA-711207 82/90 472/89000053 NIA-710403 1991/40 R1 644/90000054 NIA-710601 80/89-90 D2 1840/89000055 NIA-710601 139/89-90 O2 654/89000056 NIA-710601 146/89-90 C5 463/89000058 NIA-710803 83/90 B1 799/88000059 NIA-712401 7/A/144 J1 1757/87000060 NIA-712401 88/A/57 J5 992/87000061 NIA-712401 88/A/67 V2 170/88000062 NIA-712401 89-90/62 J3 1246/89000063 NIA-712401 89-90/96 E3 2990/89000064 NIA-712401 89-90/168 R6 209/90000065 NIA-712401 89/A/41 53/89000066 NIA-712401 89-90/165 R1 24/90000067 NIA-712401 88/A/68 V1 657/88

ARNO Insurers Claim # PS Code PS PIN Cr. #000068 NIA-710902 89-90/056 F2 1245/89000069 NIA-710902 89/A/25 E4 130/89000070 NIA-710902 89-90/29 P1 453/89000071 NIA-710902 89-90/038 O2 727/89000072 NIA-712002 90/43 O2 124/90000073 NIA-710802 70/1991 E3 423/90000074 NIA-710904 1991/174 G1 600007 639/90000075 NIA-712104 31/91 588/91000076 NIA-712104 90/98 235/91000077 NIA-710802 73/1991 G1 600007 745/90000078 NIA-710803 97/90 F4 577/90000079 NIA-710903 91-92/007 K4 554/91000080 NIA-710103000081 NIA-710803 11/91 B1 932/90000082 NIA-710803 137/1991 E3 1040/90000083 NIA-712003 1991/33 B1 259/91000084 NIA-710904 91-92/27 R6 30/91000085 NIA-712402 1991/49 R6 1047/90000086 NIA-712002 991/032 G3 323/90000087 NIA-710901 P5 177/88000088 NIA-710803 153/1991 E3 354/91000089 NIA-712104 91/19 554/91000090 NIA-710904 1991/251 F1 161/91000091 NIA-710801 88/089 G3 558/88000092 NIA-710103 90-91/18 I125/90000093 NIA-710801 90-91/21 J1 35/90000094 NIA-710803 151/1991 R3 382/91000095 NIA-710803 228/89-90 D1 31/90000096 NIA-712004 91-92/23 B1 892/89000097 NIA-712004 90-91/31 B2 603/90000098 NIA-710904 90-91/234 29/91000099 NIA-711403 91/599 103/91

29 30


ARNO Insurers Claim # PS Code PS PIN Cr. #000100 NIA-710803 68/91 R2 1708/91000101 NIA-710803 26/91 1166/90000102 NIA-710202 89/180 E4 280/90000103 NIA-710202 90/91 R2 1946/90000104 NIA-710202 90/156 K5 99/91000105 NIA-712004 91-92/11 K2 242/91000106 NIA-712004 91-92/17 B1 290/91000107 NIA-712004 91-92/30 B2 351/91000108 NIA-712004 27/91-92 B2 399/91000109 NIA-710802 95/91-92 E5 830/90000110 NIA-711302 91/113 K3 1579/91000111 NIA-710803 34/91-92 611/91000112 NIA-710803 65/91-92 818/91000113 NIA-710803 76A/91-92 167/90000114 NIA-710802 138/90-91 E3 339/91000115 NIA-710802 146/91-92 101/91000116 NIA-710803 27/91-92 235/91000117 NIA-710802 84/91-92 K4 751/91000118 NIA-712004 89/066 35/87000119 NIA-710803 108/91-92 R1 2250/91000120 NIA-710803 110/91-92 P1 1195/91000121 NIA-710103 90-91/051 691/91000122 NIA-710802 85/91-92 R1 1551/91000123 NIA-710803 75/91 F5 1303/91000124 NIA-710803 146/91-92 R1 263/92000125 NIA-710803 138/92 P2 167/92000126 NIA-710203 92/01 H3 16/92000127 NIA-710203 92/43 F4 734/91000128 NIA-710803 181/92 J5 490/92000129 NIA-720205 92/43 261/92000130 NIA-720902 92/17000131 NIA-720902 92/15 398/91

ARNO Insurers Claim # PS Code PS PIN Cr. #000132 NIA-710202 92/2 J1 2828/91000133 NIA-710803 145/92 N1 443/92000134 NIA-710803 145/92 F4 368/92000135 NIA-710601 91-92/159 B1 1492/91000136 NIA-720300 51/92000137 NAT-570104 63/90-91/012 75/91000138 UI-012001000139 NIA-710802 117/91-92 2931/91000140 UI-010905 10883/92 E1 2052/92000141 OIC-412001 MV/64/93 R2 3336/92000142 NIA-710803 OD/92/7 118/92000143 NIA-710803 257/92 R1 2963/92000144 NIA-720900 OD/93/5 261/93000146 OIC-411601 MV/53/93 K3 1588/92000147 NIA-710500 OD/91/459 1509/91000148 UI-020604 R1 1622/000149 UI-010802 2176/99 F2 174/2000000150 UI-010804 1033/99 R1 160/2000000151 UI-010303 G3 2025/99000152 UI-010303 K8 910/99000153 UI-010303 331/99 K8 850/99000154 UI-010905 1418/99000155 UI-010303 G2 1242/99000156 UI-010804 815/99000157 UI-010804 904/99 1967/99000158 UI-010804 762/99 768/99000159 UI-010804 969/99 519/99000160 UI-011400 10435/99 G1 600007 1389/99000161 UI-011400 10380/99 C4 535/99000162 UI-010504 220/99 F4 854/99000163 OIC-421304 D3 763/99000164 UI-010305 2459/99

31 32


ARNO Insurers Claim # PS Code PS PIN Cr. #00165 UI-011402 4230 R4 2225/99000166 UI-011400 10478/99 R1 1604/99000167 NIA-710602 K4000168 UI-010905 V5 2048/98000169 NIA-712003 1013/93 379/93000170 UI-010103 54/89 K4 1589/89000171 UI-010101 10/91 R2 465/91000172 UI-010101 19/91 262/91000173 UI-010500 2234/88 V1 317/88000174 UI-010500 V1 1099/88000175 UI-010500 1496/89 1231/89000176 UI-010500 2254/88 216/88000177 UI-010500 2240/88 K3 417/88000178 UI-010500 1273/87 G1 600007 1755/87000179 UI-010500 2251/88 O2 479/88000180 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 138/2000

ARNO Insurers Claim # PS Code PS PIN Cr. #000196 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 781/01000212 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 0 679/01000218 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 2394/01

33 34


ARNO Insurers Claim # PS Code PS PIN Cr. #000228 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 536/01000244 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 506/01

ARNO Insurers Claim # PS Code PS PIN Cr. #000260 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 252/01000276 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 24/01

35 36


ARNO Insurers Claim # PS Code PS PIN Cr. #000292 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 NULL NULL000305 NIC-603800 6101837/00 KML 576101 20/01000306 NIC603804 6200068/01 KDR 577101 172/01000307 NIC-603800 6202067/01 MLP 576101 59/01000308 NIC-603800 6202276/01 MNP 576101 179/01000309 NIC-603804 6200063/01 MAD 560068 795/01000310 NIC-603804 6200109/01 CKM 577101 NULL000311 NIC-603800 5102418/01 NULL 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 16/01

ARNO Insurers Claim # PS Code PS PIN Cr. #000325 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 276/00000340 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 135/01000353 NIC-604001 49/01000354 NIC-604001000355 NIC-604001 77/00000356 UI-010300 F2 600008 1749/01000357 UI-010300 G3 600010 1682/01

37 38


ARNO Insurers Claim # PS Code PS PIN Cr. #000358 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 77/01000368 NIC-604002 042/01000369 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 539/02000375 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 606601 406/02000393 UI-010300 E4 494/02000394 UI-010300 R3 600083 1216/02

ARNO Insurers Claim # PS Code PS PIN Cr. #000395 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 392/02000410 National CHRO 104/00 6/01000411 National CHRO 136/00 43/01000412 National CHRO 18/01 164/01000413 National CHRO 59/01 177/01000414 National CHRO 63/01 267/01000415 National CHRO 94/01 266/01000416 National CHRO 104/01 435/01000417 National CHRO 122/01 54/01000418 National CHRO 151/01 331/01000421 National CHRO 187/01 108/02000422 National CHRO 188/01 172/01000434 National CHRO 20/99 R1 600017 453/99000435 National CHRO 38/99 B1 600016 450/99000436 National CHRO 85/99 G2 600053 456/99000437 National CHRO 86/99 D1 600005 1676/99000438 National CHRO 115/99 G3 600010 43/00000439 National CHRO 116/99 D9 600005 58/99

39 40


ARNO Insurers Claim # PS Code PS PIN Cr. #000440 National CHRO 137/99 G3 600010 367/00000441 National CHRO 144/99 G1 600007 644/00000442 National CHRO 088/00 G2 600003 2345/00000443 National CHRO 152/00 G1 600060 43/01000444 National CHRO 190/00 K6 186/01000445 National CHRO 099/01 F2 600008 1511/00000446 National CHRO 309/01 C8 600045 173/02000447 National CHRO 119/02 N1 600013 512/02000448 National CHRO 125/02 F2 600008 1088/02000449 National CHRO 140/01 G1 600007 1893/01000450 National CHRO 110/01 R1 600017 826/01000451 National CHRO 199/01 G5 600010 5699/01000452 National CHRO 221/01 F3 600034 216/02000453 National CHRO 234/01 P6 600118 156/02000454 National CHRO 228/01 T9 600005 102/02000455 National CHRO 02/02 17/02000456 National CHRO 726/02 C2 600114 375/01000482 National CHRO 01/202 314/01000483 National CHRO 00/348 16/01000486 National CHRO 02/133 424/02000487 National CHRO 01/278 50/02000488 National CHRO 01/302 59/02000489 National CHRO 02/0201087 147/02000490 National CHRO 01/21 100/01000491 National CHRO 99-00/039 313/99000492 National CHRO 99-00/050 490/99000493 National CHRO 99-00/071 191/99000494 National CHRO 99-00/075 592/99000496 National CHRO 99-00/091 771/99000497 National CHRO 99-00/099 140/00000498 National CHRO 99-00/102 60/00

ARNO Insurers Claim # PS Code PS PIN Cr. #000500 National CHRO 00-01/075 1153/00000501 National CHRO 00-01/091 950/00000504 National CHRO 00-01/104 19/01000505 National CHRO 00-01/115 87/01000506 National CHRO 00-01/128 190/01000508 National CHRO 00-01/174 545/01000510 National CHRO 00-01/181 708/01000511 National CHRO 00-01/188 250/01000513 National CHRO 00-01/243 616/01000514 National CHRO 00-01/245 1244/01000515 National CHRO 00-01/249 870/01000517 National CHRO 00-01/271 81/02000519 National CHRO 00-01/285 1213/01000522 National CHRO 02-03/004 127/02000525 National CHRO 02-03/051 398/02000526 National CHRO 02-03/038 62/02000527 National CHRO 02-03/066 278/02000529 National CHRO 02-03/083 332/02000530 National CHRO 02-02/0096 203/02000531 National CHRO 31/00 243/00000533 National CHRO 99/18 K3 600029 482/99000535 National CHRO 99/37 R1 600017 500/99000536 National CHRO 99/70 V2 600092 457/97000537 National CHRO 99/113 K10 600107 1064/99000540 National CHRO 99/165 K3 600029 1016/99000541 National CHRO 99/183 R1 600017 37/00000543 National CHRO 99/50 R3 600083 523/99000544 National CHRO 01/14 632007 16/01000546 National CHRO 01/89 K4 600040 726/01000547 National CHRO 01/114 G3 600005 1352/01000548 National CHRO 01/153 F4 600052 837/01000549 National CHRO 01/183 600032 1183/01

41 42


ARNO Insurers Claim # PS Code PS PIN Cr. #

000551 National CHRO 01/344 281/02

000552 National CHRO 01/193 J2 600020 2050/00

000554 National CHRO 02/557 K8 600106 665/02

000556 National CHRO 02/168 F2 600008 1154/02

000557 National CHRO 02/169 K6 1075/02

Note:

At the time of going to press there is no information as to the recovery of vehiclescited in these columns. We request the Police authorities to intimate either theInsurers or our Office for updating the lists.

ATTENTION INSURERS

We are sending this Monthly “THE EVER READY UNIVERSAL GUIDE ”,in which we give details of stolen vehicles in a Ready Reckoner format, one copyeach to ALL Regional offices of Insurance Companies and District HQ of Policeall over India, FREE OF COST, for better recovery/loss minimization.

There is no charge for Compilation. You may send as many entries as required.As soon as a claim is reported (stolen vehicles), attested copies of RC, FIR andPolicy (with Claim Number) may be sent to us and we will compile them FREEOF COST in the list and publish in the next issue.

SUBSCRIPTION

The subscription is open to Insurance companies, Banks, Financial institutions,Members of Claims Investigators Association of India and Licensed InsuranceSurveyors only.

Individual copy - Rs 100/-

Half yearly - Rs 550/-

Yearly - Rs 1000/-

WE AND OUR SOCIALOBLIGATIONS

By Ms. Ambica Ananthan B.A. (Psy),

M.A.(Cr.&Cr.J.Sc.], Director,

Amaran Register (P) Ltd

There is an old adage in Tamil,which means, “Learn even to steal andthen forget it” ( ). It isconsidered that stealing is an art. Learningthe art is OK but not practicing it!! Now-a-days people follow this, but only thefirst part and not the second i.e. learningto steal but not forgetting it.

No individual is born a criminal.There are many factors that induce himto steal such as Psychological (whichinclude emotionality), Sociological andEconomical factors. Why does a personcommit theft? The answer to this questionis ---

1. Survival — necessity

2. Greed — vanity

Job opportunities for everyindividual in our country is impossible,because India is a developing country andstands second in population, next only toChina. Most of the families in India arebelow poverty line. Due to corruption,

bribery, favoritism and various otherelements, these people are not able toraise either their social status or theirstandard of living. It is not uncommon tofind Citizens, amassing money andpower- obtained through illegal means,enjoy more respect and privileges in thesociety.

This in turn makes the people wholead a moral life, think, why shouldn’t weearn the same way. That is why manypeople, due to poverty, resort to suchoffences. If not properly rehabilitated orreformed these petty criminals maybecome habitual criminals. They becomewell versed in the techniques of crimes,thereby committing offences without anyevidences. This creates problems for thepolice to catch them. These statementsrelate not only to theft but also extend toother crimes also.

When compared to other forms ofcrimes, theft is petty in nature. But in suchtheft cases identification is very difficult.The amount of time, energy and moneyspent to trace the vehicle at present is veryhigh and the Public in whatever way thatis possible must help the Police. This iswhere AMARAN REGISTER of lostvehicles, was conceived and the Pilot

43 44


issue was published in March 2002. It isby now established that people’sparticipation is the hallmark of anysuccessful plan for crime prevention andcontrol.

The police personnel are expectedto be on duty 24 Hrs a day, seven days aweek. Burdened with spate of crimes andheavy paper work on one hand, terrorismraising its ugly head and security of VIPson the other hand, the efficiency of ourPolice gets a beating. As a citizen, eachone of us must help in prevention of crimeout of civic sense and other legalobligations wherein we are bound by lawto prevent crime.

A heavy responsibility also devolveson institutions and organizations handlinglarge sums of money or has custody ofpublic funds. People should learn to avoidvictimization at the hands of the criminalelements that move all round them withno particular tag that distinguishes themfrom others.

“Let somebody else do it” attitude shouldchange. Instead “Let us do it together”sounds better. We from Amaran Registerwelcome any suggestion to improve thispublication.

---------------------

away and got his policy by paying thepremium. In the narration, there were twobig holes. One is that the insured couldnot explain how the Police have recordedthe receipt of the complaint 9 days afterthe reported incidence and how the RTOaccepted the tax without an InsurancePolicy. Incidentally, branches of anothertwo subsidiaries of GIC were situated inthe same building as the RTO. From oneof the Branches it was found that theinsured had taken an ‘Act Only’ policyon 10.4.1990 effective from 10.00 am.

Upon verification with the Registrarof the Courts, it was confirmed that theinsured’s letter was received by them on12.4.1990 itself. According to thestatement of the insured, after 5.00 pmhe went to the parking lot to take hismoped. When he found it missingsearched many areas in the samecompound, which is huge by anystandards. Thus between the time hefound his moped missing and the time hedecided to report to the Registrar, atleasthalf an hour would have elapsed, bywhich time the Registrar’s Office wouldhave been closed. A letter was sent to theinsured by RPAD asking him whetherthere is any other policy on the samevehicle. The insured returned the query

EXTRACTS FROM ANINVESTIGATION REPORT

(Very close proximity claim)

An insured preferred a claim on theInsurers for the loss of his vehicle throughtheft. The Policy commenced from 13.00Hrs on 12.4.1990. According to theinsured, the vehicle was missing from5.00pm on the same day. The insured, acriminal Lawyer in Madras High Court,lodged a complaint with the Police andsent a copy to the Registrar of Courts.

On verifying the RC book, it wasfound that the tax was paid on 10.4.1990and the transfer of ownership endorsedon 19.4.1990 (with effect from 9.4.1990).The previous policy expired on 30.9.1989.The break in insurance was 6 months andone week before the present policy wastaken. On scrutinizing the FIR, it wasfound that the complaint was lodged bythe insured on 21.4.1990.

A branch of the Insurance Companyat Parry’s corner issued the Policy and theRTO is situated at Guindy 12 kM away.On enquiries, the Insured informed thatat 12.30 pm he went to the RTO at Guindyand paid the relevant fees for transfer ofownership of the vehicle to his name andwent to the Insurance company 12 kM

with a flat “NO” thus hiding the fact thathe took an ‘ACT only’ policy elsewhere.Thus it was proved the duplicity of theinsured and the claim was repudiated.

---------------------

Quotable Quotes

“There is

no such thing as a problem

without a gift for you

in its hands.

You seek problems

because you need

their gifts”

“Argue

for your l imitations

and sure enough

they’re

yours”

Quotes from ‘Illusions’

by Richard Bach---------------------------

45 46


Cost of keeping RecoveredVehicles in safe custody and

suggestions to reduce it to reasonable

levels)

The vehicles traced by the PoliceDepartment are kept under the custody ofthe respective Police station, till they arehanded over to the legitimate ownersthrough a Court Order.

There are instances where the detailsof legitimate owners are not available tothe Police. In such cases, the Policepersonnel are burdened with theadditional responsibility of safe guardingthem. There is no financial provision inthe Police department for maintaining thevehicle in the same condition throughoutthe period it is under their custody. Thusit becomes beyond their control, if thevehicle deteriorate as the time passes. Inspite of the best efforts of the Police it isimpossible to keep the vehicle in the samecondition and they have to account forthem.

In case of vehicles handed over toInsurance companies, a condition isnormally imposed by the Magistrate, thatthe vehicle is not altered in any way andmust be produced as and when the Court

orders so.

Step 3 - The legitimate owner, when

identified, may be intimated to take

possesssion of the vehicle --

unconditionally. The Insurance

companies may be allowed to dispose of

the vehicles in their normal process.

Advantages of the above proce -dure: -

1. The Police are relieved off the

additional burden/responsibility of

safegaurding the vehicles and transporting

them physically to and from the Court

house, thus save valuable time, energy

and money which can be diverted to more

productive avenues.

2. The Insurance companies will be

able to realise the maximum possible

value.And they won’t mind spending for

the photos and notarizing expenses which

will be minimal.

3. The time, energy and money

saved thus can be better utilised else

where.

(This suggestion is submitted for

consideration of authorities concerned !

If implemented, it would end up in

savings all round!!)

Thus the Insurance companies arenot in a position to dispose of the vehicleand they also do not have financial powersto spend in maintaining them.

Here also the realisable value of thevehicle goes down in an increasing rateas time passes, where as the expenses forsafe custody of the vehicle, by way ofgarage rental etc., goes up and in theprocess the Insurance companies incurmore loss when the expenses overtake therealisable value. Thus heads or tails bothways Insurers lose in the present system.

This constitutes wastage of valuabletime, energy and money for both thePolice and the Insurance companies.These wastages are NATIONAL LOSSby any yardstick.

There is a way to resolve thisproblamatic situation.

Step 1 - As soon as a stolen vehicleis traced and taken into custody, photoscan be taken to show the condition of thevehicle and filed for records and asevidence in lieu of physically presentingthe vehicles at court.

Step 2 - The photograph thus takenmay be notarised by producing before a

notary public.

Banks and Financial Institutions

Prevention is better than cure. A

familiar phrase indeed. Banks and other

financial institutions lend money on

vehicles. Even though they check the RC

there is no way for them to verify whether

the vehicle is stolen property or not.

When the authorities confisticate the

vehicle, the financial institutions and/or

Banks end up in loss. This can be avoided

if at the time of issuing loans they can

check up with this ready reckoner. We

have compiled details of stolen vehicles

with the data provided by the Insurance

Companies.

This service can be extended to other

areas also in which the Banks/Finaincial

Institutions have an interest. This booklet

is issued free of cost to all Head Offices

of the Institutions and Banks for infor

mation.

Please kindly send in your valuable

comments so as to enable us to fine tune

this publication.

Why every Division/Branch of

Insurance Companies need this Ready

Reckenor?

47 48


The above question can be answered

with an example – which actually

occurred.

One insured who lost his

Ambassador car on 29.9.1990, preferred

a claim on The New India Assurance Co.

Ltd. Based on the non-traceable certificate

issued by the Police, and the report of the

Insurance Investigator, the Insurers

settled the claim. All of a sudden the

insured received a renewal notice from

The Oriental Insurance Co. Ltd in

December 1991. He brought the renewal

notice to The New India Assurance Co.

Ltd RO, Chennai and showed to the

Officer in Motor dept. The matter was

taken up for investigation and it was found

that-

An “ACT only” policy was issued

for the same vehicle just 13 days after the

Police had issued a non-traceable

certificate!!! The proposal form was

found signed by somebody else in the

insured name. Lack of current list of

stolen vehicles at the under writing office

had made it possible for the culprits to

obtain an Insurance certificate which is a

valid document on the highway. Luckily

for The Oriental Insurance Co. Ltd, there

THIRD PARTY CLAIMS

AN INTRODUCTION

By Mr. K.S. Sounder Rajan,

President, Claims Investigators

Association of India

On the outset we would like to state

that a third party claim arise out of a road

traffic accident in a motor portfolio. In

such an event the person who sustained a

bodily injury has to necessary resort to

legal course for compensation against the

insurers of the offending vehicle and also

owner-cum-insured. In any third party

case or in any case so far as insurance is

concerned the first claimant would be the

insured even after execution of right of

subrogation. The first party the claim

would be the insured and the insurers take

over the liability after satisfying

themselves a proper claim is established

on the insured.

Once a plaint is made on the insurers

the insurers would resort to going through

the criminal case records of the

jurisdiction police, in which the complaint

was lodged for the road traffic accident.

Either the offending vehicle or the

other vehicle in collusion should go to the

was no claim reported during the currency

of the Policy. Imagine what would have

happened if there was a TP claim!! The

original owner who lost his vehicle would

have been taken into task and the Insurers

would have found themselves in utter

confusion.Such problems can be avoided

through referring this ready reckenor,

which will be updated every year, and

supplements issued every month.

Other Interesting Options

This system of Loss Minimization

can be further extended to Laptop theft

claims where the Insurers settle

substantially high amounts for a small but

costly business tool.

Do you want agricultural pump sets

to be included? A separate list can be

prepared!

Cell phones? — Can be

accommodated. Any thing that has a serial

number, which cannot be easily erased,

can be accommodated.

Total loss vehicles list can be maintained

separately

nearest jurisdiction police for preferring

a complaint. Supposing both the driver

are involved in the accident resulting in

the bodily injuries to both of them, then

the hospital which admits the drivers

along with other injured, if there are any,

should report to the jurisdictional police

after giving first-aid. Normally, any

injured person in a RTA is supposed to

be in the hands of the law enforcing

authority because the accident has

occurred in a public place, where the law

enforcers will only be having the right of

securing the bodily injured person to the

nearby government hospital. In the

absence of the Govt. Hospital not being

there, by chance, then there are approved

or nominated trauma care hospitals.

These are the hospitals, which know the

procedures involved in admitting a RTA

victim, which is in medical parlance

known as medico-legal case. The

jurisdiction police on receipt of the

information from the hospital register a

case and start dealing with the case as per

the condition at the site of accident.

What we mean here is, there could

be some victims, who may have sustained

only injuries or some of whom may have

died due to the accident. Different aspects

49 50


are to be looked into in the event of these

two. One is in the event of a fatal case,

the police is supposed to conduct

aninquest on the spot, with the available

witnesses, take photographs of the

deceased in the condition as he/she is

lying and remove the body for conducing

the post-mortem. In the even of the

bodily-injured victim, he has to be taken

to the nearest Govt. hospital and if the

injured victim is conscious, then the

police may have to record his version ofthe accident and then to analyse, whetherhe really sustained the injury only becauseof the accident or otherwise. Then thepolice have to draw a rough sketch of thescene of occurrence, at the spot. Theyalso record, witness statements undersection 161(3) of Cr.P.C. The driver ofthe offending vehicle has arrested and thevehicle involved will be seized and sentto RTO and production before MVInspector for his inspection andobservations. The MV Inspector has tocategorically say whether the accidentwas due to mechanical failure orotherwise.

The Police have to wait for thewound certificate or death certificate bythe hospital authorities before laying thecharges. They lay the charges depending

claim, the scheme is known as JawaharRojgar Yajana. In the event of personapproaching JRY, there is possibility ofnegotiation, between the insurers and theclaimants. In the vent of MACT also it isavailable, but it has to be argued beforethe tribunal and the appropriate authoritywill pass the award.

There is an administrativeprocedure, drawn by the insurers to havesettlement effected for MACT cases,before a Lok Adalat, which is beingconducted by the insurers at regularintervals. Those seek compensation, evenin MACT courts, can approach the LokAdalat, in order to have speedysettlement, here again the insurers havethe flexibility to negotiate and fix thecompensation. In Lok Adalats, normallya competent doctor, a retired judge andretired personnel from insurers, wouldform the team to analyse the extent ofinjuries resulting in disability andaccordingly they have a formula ofarriving at the compensation. If thecompensation offered by the insurers isacceptable to the claimant, they can filea satisfactory memo with the court and aconsent award would be passed.There areincidents where the claimant may haveminor children, in which event there are

upon the veracity of the report of the MVI,doctor vis-à-vis the spot of the accident,their investigation findings. In the eventof a commercial vehicle, the police haveto really and thoroughly check the vehiclehave the permit for plying the same onthe road, in the route in which the accidenthad taken place, whether the drivers havenecessary valid driving license withnecessary endorsements.

There are incidents we have comeacross where a person sustaining injuriesbecause of the vehicular hit, but not ableto identify the vehicle immediatelybecause the vehicle hitting the person,does stop and flee away from the scene.Yet, the person-sustained injuries go tothe jurisdictional police for complainingwithout the specifying the make andmodel of the vehicle or its number. Inthat event, the police have enormousresponsibility cast upon them to scan thevehicles that have passed through theroute in which the person sustain injuriesbefore fixing the vehicle.

After all these process, one has togo to Court to file a case in MotorAccident Claims Tribunal, whichnormally deal these cases. There is oneother procedure, which also claims canbe made, depending upon the amount of

laid down procedures to split thecompensation, so arrived and deposit theportion of the compensation of the minorchildren in a nationalized bank and theminors have the right to utilize the moneyas they deem fit on attainment of majority.

Once the insurers accept the liability,they pay a sum of Rs. 50,000/- as no faultliability. For all these, one has tonecessarily have a policy. In the event ofa comprehensive policy, depending uponthe merits, the insurers have theprerogative to accept or disown the ODportion of the claim. But, it is for certainand sure the third party liability,especially with regard to injury to theperson it is statutory obligation that theinsurers have to discharge necessarilyonce the criminal case is conclusivelyproving involvement of the vehicles soinsured, resulting in hospitalisation/death.

About the Author

Mr. K.S. Soundararajan is one of theFounder members of Claims InvestigatorsAssociation of India and First electedpresident of the Association.

All About Investigations (1)

(by P. Ananthan, Editor)

51 52


Preamble: -

The Insurance Business is fastexpanding in India and the competitionbetween Insu rance companies are hottingup. In the interest of business, claimsettlements are faster than ever!

For a healthy business, the Insurancecompanies need to be watchful forfraudulant claims and if there is groundfor suspicion they go in for investigation.A thorough and detailed investigationhelps to bring out the facts of the claimon hand and the suspicion cleared.

Insurance investigators have their

tasks cut out. Their reports are expected

to stand the scrutiny of Law enforcing

agencies. Thus it is absolutely essential

for the Investigators to be thorough in

their work.

This serial is an attempt to help the

Insurance Investigators in their day to day

activities.

For the officers of Insurance

companies directly handling the claims,

this serial will be helpfull in defining the

scope of work assigned to Investigators.

The first step is work assignment and

what to ask for.

work, without any ambiguity. In

complicated cases this would take three

or more sittings with the Insurers.

3. Before taking any step in carrying

out the investigation, it is important to

study the material on hand and do a full-

fledged homework.

4. It is very important to keep the

Insurers informed of the progress at

regular intervals.

Details of documents normally

required.: -

Motor Claims - OD

Normally investigation of Motor OD

claim will be resorted to in case of -

1) Close Proximity (when accident

occurs within a specified period after issue

of policy when the policy was issued after

a break in insurance)

2) Cause of accident as narrated in

the claim form/FIR not tallying withthe

extent and type of damage physically

found on the vehicle.

3) When there is a contradiction

found in the documents

4) Some times even odd and/or

unnatural behaviour of the Insured or their

Work assignment and what to askfor

When a claim is made the Insurers

check the documentation for correctness.

If there is any descrepency found in the

documentation, the Insurers may ignore

it or send the papers for investigation.

The Insurers should decide the scope

of investigation and clearly spell out their

requirements to the Investigator. It might

not be always possible to decide the

scope. In such cases the Insurers should

indicate the general requirements and as

and when the Investigation progress

decide their requirements at an early

stage. This would help the Investigator

to be more effective.

The Investigators on receipt of the

assignment should check for the

following:-

1. Whether all documents per taining

to the claim are there. To avoid future

complications, it is preferable to take

xerox copies, leaving the originals insafe

custody of the Office concerned.

2. Get a clear idea of what is

expected of them. Discuss, with the

officer handling the claim, the scope of

representatives during intimating the

claim might create suspicion and cause

for resultant investigation Photocopies of

Claim form, RC, DL, Policy and FIR form

the basic documentation.

Photos showing the conditions of the

vehicle at spot/final survey if available are

important documentation. They show the

conditions present at the spot/final survey.

Investigator should select the photos that

are clear and identifiable.

In the second case, the mismatch

would have come to light when the spot/

final surveyor makes a specific remark in

his report. In that case a copy of the spot/

final report maybe taken along for careful

study.

In the case of contradiction found in

documents, the Investigator should ask for

photo copies of all relevant documents

which is the basis of the assignment.

Documents required in the case of

mediclaim (continued in the next issue)

The Hare & The Tortoise

Must read every part of the story

Once upon a time a tortoise and a

hare had an argument about who was

53 54


faster. They decided to settle the argumentwith a race. They agreed on a route andstarted off the race. The hare shot aheadand ran briskly for some time. Thenseeing that he was far ahead of thetortoise, he thought he’d sit under a treefor some time and relax before continuingthe race. He sat under the tree and soonfell asleep. The tortoise plodding onovertook him and soon finished the race,emerging as the undisputed champ. Thehare woke up and realised that he’d lostthe race. The moral of the story is thatslow and steady wins the race.

This is the version of the story thatwe’ve all grown up with.

But then recently, someone told usa more interesting version of this story. Itcontinues.

The hare was disappointed at losingthe race and he did some soul-searching.He realised that he’d lost the race onlybecause he had been overconfident,careless and lax. If he had not taken thingsfor granted, there’s no way the tortoisecould have beaten him. So he challengedthe tortoise to another race. The tortoiseagreed. This time, the hare went all outand ran without stopping from start to

finish. He won by several miles.

The moral of the story? First identify

your core competency and then changethe playing field to suit your core

competency.

In an organisation, if you are a good

speaker, make sure you createopportunities to give presentations that

enable the senior management to noticeyou.

If your strength is analysis, makesure you do some sort of research, make

a report and send it upstairs. Working toyour strengths will not only get you

noticed, but will also create opportunitiesfor growth and advancement.

The story still hasn’t ended. Thehare and the tortoise, by this time, had

become pretty good friends and they didsome thinking together. Both realised that

the last race could have been run muchbetter.

So they decided to do the last race

again, but to run as a team this time.

They started off, and this time the

hare carried the tortoise till the riverbank.There, the tortoise took over and swam

across with the hare on his back. On theopposite bank, the hare again carried the

tortoise and they reached the finishing line

The moral of the story? Fast and

consistent will always beat the slow and

steady. If you have two people in your

organization, one slow, methodical and

reliable, and the other fast and still reliable

at what he does, the fast and reliable chap

will consistently climb the organizational

ladder faster than the slow, methodical

chap.

It’s good to be slow and steady; but

it’s better to be fast and reliable.

But the story doesn’t end here. The

tortoise did some thinking this time, and

realised that there’s no way he can beat

the hare in a race the way it was currently

formatted. He thought for a while, and

then challenged the hare to another race,

but on a slightly different route.

The hare agreed. They started off.

In keeping with his self-made

commitment to be consistently

fast, the hare took off and ran at top

speed until he came to a broad river. The

finishing line was a couple of kilometres

on the other side of the river. The hare

sat there wondering what to do. In the

meantime the tortoise trundled along, got

into the river, swam to the opposite bank,

continued walking and finished the race.

together. They both felt a greater sense

of satisfaction than they’d felt earlier.

The moral of the story? It’s good to

be individually brilliant and to have strong

core competencies; but unless you’re able

to work in a team and harness each other’s

core competencies, you’ll always perform

below par because there will always be

situations at which you’ll do poorly and

someone else does well.

Teamwork is mainly about

situational leadership, letting the person

with the relevant core competency for a

situation take leadership.

There are more lessons to be learnt

from this story.

Note that neither the hare nor the

tortoise gave up after failures. The hare

decided to work harder and put in more

effort after his failure.

The tortoise changed his strategy

because he was already working as hard

as he could. In life, when faced with

failure, sometimes it is appropriate to

work harder and put in more effort.

Sometimes it is appropriate to change

strategy and try something different. And

sometimes it is appropriate to do both.

55 56


`The hare and the tortoise also learnt

another vital lesson. When we stop

competing against a rival and instead start

competing against the situation, we

perform far better.

When Roberto Goizueta took over

as CEO of Coca-Cola in the 1980s, he was

faced with intense competition from Pepsi

that was eating into Coke’s growth. His

executives were Pepsi-focussed and intent

on increasing market share 0.1 per cent a

time.

Goizueta decided to stop competing

against Pepsi and instead compete against

the situation of 0.1 per cent growth.

He asked his executives what was

the average fluid intake of an American

per day? The answer was 14 ounces. What

was Coke’s share of that? Two ounces.

Goizueta said Coke needed a larger share

of that market. The competition wasn’t

Pepsi. It was the water, tea, coffee, milk

and fruit juices that went into the

remaining 12 ounces. The public should

reach for a Coke whenever they felt like

drinking something.

To this end, Coke put up vending

machines at every street corner. Sales took

bodies, government institutions and

professional institutions in India and

abroad;

To organize, promote, start, take over,

run, affiliate, establish, amalgamate and

encourage the promotion, running or

establishment of institutions, for

imparting in-depth knowledge regarding

insurance and in particular reference to

inves tigation.

Subject to the law in force to recognize

or derecognise diplomas, degrees and

certificates issued by other institutions or

organizations;

To safeguard the interests of the

Community of inves tigators and

members of this Association

To depute any member of the Association

to receive tuition and/or training in any

of the above subjects or teaching methods

in any place in India or abroad; To

communicate with and/or affiliate with

any world or international body of

investigators;

To evolve, introduce, enforce codes of

conduct, ethics and principles in the

practice of submission of report and

investigation

a quantum jump and Pepsi has never quite

caught up since.

To sum up, the story of the hare and

tortoise teaches us many things. Chief

among them are that fast and consistentwill always beat slow and steady; workto your competencies; poolingresources and working as a team willalways beat individual performers;never give up when faced with failure;and finally, compete against thesituation - not against a rival.

TEAM - Together EveryoneAchieves More

(This story came to us through net

and the credit goes to the unknown Genius

who thought of this!!)

Claims Investigators Association ofIndia

“Claims Investigators Association

of India” is a Registered body of

Professional Investigators with the

following objectives: -

To organize group, class and general

discussions, seminars, debates and other

group activities and to participate in

similar activities organized by other

To establish branches, zonal or

regional committees or chapters

anywhere in the country or abroad as

thought fit or expedient and to close

such branch or body or set up Joint

Committees or Associates in

cooperation with like-minded bodies

and meet or share the expenses

therefore as may be decided from time

to time subject to the Foreign

Exchange regulations for the time

being in force;

To undertake or to cause translation,

printing, publi cation, sale or free

distribution of books, periodicals, in

furtherance of the objects of the

Association and to lay down by

observation or otherwise norms and

standards to the extent possible to

standardize reports.

57 58


Letter of Authentication for Ready Reckoner Entries

From Date:

To

M/s Amaran Register Private Ltd.,

A6 Raviram Apartments

New # 75, Arya Gowda Road

West Mambalam

Chennai 600033

Dear Sirs

Re: Ready Reckoner Entries

We enclose attested photocopies of RC,FIR and Policy of vehicles under theftclaim with us. We have noted the claim number clearly in the Policy copy forinsertion 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

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)

59 60


SUBSCRIPTION FORM

From Date:

To

M/s. Amaran Register Private Ltd

A6, Raviram Apartments

75, Arya Gowda Road

West Mambalam

Chennai – 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 UNIVCERSAL GUIDE for one year.

Office seal Authorized Signatory

Invitation for articles

We invite articles from Officers of the Police department, Insurance companiesand Insurance Investigators on the topic of -

1. How interactive procedures between Insurance and Police could PREVENT& CONTROL crimes in general.

2. Links in crimes against Society

3. Any other articles that has to reach specific audiance in Police Dept &Insurance

4. Due to the very nature of the distribution, Banks and financial institutionsmay advertise in these columns of absconding defaulters/vehicles for whichthey are taking legal action.

Data Collection

Time interval between the time a recovered vehicle got into possession and thetime it was disposed is a matter of serious concern. The Insurers may submit datafor compilation to be submitted for the consideration of the Judiciary for REALCOST SAVINGS. Format for DATA collection is given inthe next page.

Ready Reckoner for Lap Tops

Claims on stolen Lap Top computers (a very costly item) also may be reportedwith copies of FIR and Policy (if possible copy of specification sheet). The make/model & serial number must be indicated clearly.

Advertisement charges

Full Page - 130 mm wide x 160 mm ht - Rs 3000/-

Half Page - 130 mm wide x 75 mm ht or

60mm wide x 160 mm ht - Rs 1500/-

Quarter page - 60 mm wide x 75 mm ht - Rs 750/-

61 62


Details of vehicles recovered and waiting for disposal

Loss analysis input

1. Make of Vehicle : ________________________________

2. Model : ________________________________

3. Date of theft : ________________________________

4. Date of recovery by Police : ________________________________

5. Date of possession taken by Insurance Company : ________________________________

6. Approximate value at the time of taking posession : ________________________________

7. Date of disposal : ________________________________

8. Value realized on disposal : ________________________________

9. Loss of revenue on account of delay in disposal : ________________________________

10. Additional expenses incur red in keeping the vehicle in safe custody : ________________________________

11. FIR/Return of Property Order Numbers : ________________________________

12. Insurers DO/BO code : ________________________________

Authorized Signatory of Insurers

Importance of PIN

The Postal Index Number (PIN) is unique each one for a specific geographicalarea. Thus for analytical purposes it becomes one of the important links/input.

Coupled with Code of the Police station it is unique for each Police Station.Any one area covered by one PIN will have a maximum of ten according to thedensity of population.

Thus a code coined with the PIN narrow down the area further and helpcreate more accurate statistical models.

In most of claim forms/FIRs sent by Insurers for compilation this bit ofinformation is missing. In the event of a vehicle being traced the Police stationwhich filed the original FIR can be contacted directly and passing on theinformation for necessary action.

Similarly the addresses of the Insured and spot of occurrence are given withoutPIN code. This brings down the efficiency all round.Hence we request you tonote the PIN codes without fail.

With Best Compliments from

Claims Investigators Associationof India

(Regd No. 7/2000)

# 12, Ram Nagar 5th Street, Nanganallur,Chennai – 600 061 Phone: 2347501

email - [email protected]

For Membership please apply with self-addressed stamped envelope to

General Secretary /PresidentClaims Investigators Association of India

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

63 64


With Best Compliments from

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

# 12, Ram Nagar 5th Street, Nanganallur,Chennai – 600 061 Phone: 2347501

email - [email protected]

For Membership please apply with self-addressedstamped envelope to

General Secretary /President

Claims Investigators Association of India12, Ram Nagar 5th Street, Nanganallur, Chennai – 600 061

Wanted

Amran Register Private Ltd is on the look-out for agents in all Districts all overIndia --

1. To collect advertisements for their monthly publication “The Ever ReadyUniversal Guide”

2. To collect subscription from Insurance companies, banks and other finan-cial institutions

Commission: 20% for advertisements collected & 10% for subscriptioncollected.

Apply with self addressed stamped envelope to:M/s Amaran Register Private Ltd, A6 Raviram Apartments,

New # 75, Arya Gowda Road, West Mambalam, Chennai 600033

65

Printed by V. RAVI and published by R. MOHAN on behalf of MATRIX FINANCIALSERVICES LTD and Printed at Jai Ganesh Offset Printers, 19, Venkataswamy Lane,Santhome, Chennai - 600 004 and Published at No. 146, (Old No. 207) I Floor, R. K. MuttRoad, Mandaveli, Chennai - 28.Editor : V. RANGASWAMY