Quote:
Originally Posted by rjvora_2000  Hello every one,
Since long time (May be a month) I was thinking to start this trend. Finally hear I am replying to all your insurance query and claim information.
Yesterday one of my friend gave me a call and he had a accident in Mumbai. It was his mistake he told me on the first instance. Other person had a TP insurance policy from Royal Sundram and he was stressing on the police complain. My friend told him that you claim from your insurance company what ever is not paid from insurance company he will pay it (because it was his mistake) He was saying he will not get the claim if he does not register the police complain. |
One can claim damages to one's own vehicle only if the insurance policy is comprehensive.
One can claim damages from other party's insurance only if the mistake is proven to be of other party.
In your friend's case, other party does not have a comprehensive insurance, hence he is trying to claim the damages from your friend's insurance policy.
To do the above, following must happen
- Complaint needs to be registered in police station
- RTO inspection needs to take place.
- Till RTO inspection is completed, vehicles stay in police station
- After RTO inspection, one can take possession of vehicle.
- After that, affected party has to go to court and claim the money
Usually I would recommend that your friend goes through above procedure. By doing so, he would avoid paying from his own pocket. This is assuming that your friend has valid DL, Insurance and proper registration of the vehicle. Yes, there would be nuisance dealing with cops and some time would be wasted. Some people prefer to pay from their pocket because their time is worth more than what they have to pay.
Disclaimer: I don't work for insurance. I know the above only via personal experience.