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I am putting up a case,which is yet to reach fruitful conclusions but should have ramifications for all vehicle owners.
A scooter was lost on 06 mar 2006,stolen from owner's premises,and it took more than 18 months to get the claim money,that too with repeated direct intervention of the corporate GM.During this intervening period,a number of demands for compliance by the owner were raised ,namely:-
=letter to RTO
-letter to police for FIR
=lrtter to Insurance company with a copy of FIR
=letter to national crime records bureau
On comletion of above:-
=Get a copy of Final Report from police station for His Highness the surveyer,appointed and paid by the insurance company,and any other witnesses,documents he may require,cooperate with him.
=hand over orginal insurance polcy,both set of keys,maintenance records,pollution records to the insurance company.
=Get Final Report accepted and released by the Chief Judicial Magistrate,for which one has to hire an advocate and run around in civil courts.
=Get a notorised Letter of Subrogation on Rs100/-non judicial stamp paper and pay all sundry expenses beside running around in the court.
After above,once again:-
=letter to NCRB for updated report.
=letter to RTO,Police,NCRB(once again)informing settlement of claim(claim is miles away from settlement)
=Transfer of Registration(RC)of vehicle to the insurance company.(of corse all expenses to be met by the owner)
The owner refused to run around for transfer of RC,instead couriered Motor Vehicle Act transfer forms 29 and 30 and original RC to the company and a letter and another set of forms29 and 30 to RTO.
The insurance company refused to pay the legitimate cheque till RC was transferred in the name of company.
Having had enough of arrogance and intended delaying tactics of the United Insurance co,an RTI appliction was handed over to the Div Officer (acknowledgement with his signs obtained)RTI was filed on30 Apr2007,asking for"govt regulations/rules/contractual clauses duly agreed upon by me/IRDA approved actions to be taken by the owners of the vehicle in case of a theft" Expectedly no official reply to RTI application,except dated 03may stating it has been sent to CPIO.
Like I said,money has been finally extracted from the co under pressure from the highest in the co.The sufferer in this case was an 83 YEARS OLD RETD. LTCOL.
I seek your advice friends,paticularly Dr Pathak.In this case,the question is not only money involved but more importantly of ethics.
Should the owner put up application to CIC next,or start case afresh from PIO/CPIO,though I can assure you nothing will happen at PIO/CPIO company level because these people have nothing approved with them and have lived with CHALTA HAI attitude to generate chai pani.
As reported by Vijay Sabharwal of TNN in timesofindia.indiatimes.com on 12 June 2008:
Bank insures farmers without their consent-Chandigarh-Cities-The Times of India
Bank insures farmers without their consent
KURUKSHETRA: A glaring case of misuse of power by the officers of Kurukshetra Central Cooperative Bank has come to light as under an alleged pact with some companies they got as many as 53,352 farmers jointly insured and debited the premium amounts from their accounts without their knowledge. The officers continued to buy and pay for these policies for four years and took out premium amounts worth about Rs 31.19 lakh from the farmers' accounts by recovering the money as loans.
In the year 2003, 1,754 farmers of Markanda cooperative society, Shahbad Markanda, and 738 farmers of Kaithal cooperative society were insured and premium amounts worth Rs 1.39 lakh were debited from their accounts. The farmers thought it was some government-sponsored scheme and did not object to it, which provided encouragement to the officers who introduced their self-styled 'welfare' scheme into various other cooperative societies during the next year.
These surprising facts came to light recently when a farmer-cum-social worker Gulab Singh sought information regarding this issue under Right to Information Act from Kurukshetra Central Cooperative Bank managing director.
According to the reply, officers of cooperative societies got 25,715 members of 24 farmers' cooperatives insured in the year 2004, for which premium amounts worth Rs 15.05 lakh were debited from farmers' accounts by adding those to the loan taken by them.
Similarly, in the year 2005, as many as 17,594 farmers, who were members of 16 cooperative societies, were insured by paying premiums worth Rs 10.24 lakh. In 2006, 7,551 members of Ajrawar, Thaski, Miranji, Rohti, Jakhwala, Ismailabad, Amin and Jyotisar cooperative societies were insured and premiums worth Rs 4.50 lakh were debited from their respective accounts.