Hi all,
I know there are quite a few threads on accidents mentioned here, I kinda did read thru them all, but somewhere not been able to really find the solution that I am looking for. I have a peculiar case, and just wanted some advise from you folks on how to really go ahead with this.
I had an accident on the 26th of May, where my Figo hit a cyclist. Whose fault it was, is not something even after 2 months we been able to really reach a consensus. For all I know I was going on 40-50 and no alcohol, no playing with mobile nothing. And suddenly from nowhere I see the cyclist coming head on (the road was kinda dark), as soon as I saw him, I sweered to my left, he instead of moving to his left, took to the right and it banged. Called my friends, and somehow got him into Apollo. It was kinda a major accident, coz its like the 46th day and the boy is still in hospital. He was never in coma, but then it seems the shock value of the accident was pretty bad, that he had gone into a trauma state in his subconscious, so kinda took him like 3 weeks to open eyes and stuff. In the middle of all that, while in ICU, he ended up catching someone else's viral infection and that treatment took another quite sometime.
On the day of the accident once we took him to the hospital, and the cops came, told them the truth, they impounded the car and asked me to come to the station next day (in the middle they mentioned that I shudnt tell the boys parents the truth - which I obviously didnt hear too, and did tell the family what happened). Next day happened to be a Friday, went to the Besant Nagar police station at Chennai to sort the issue, and the SI was hesitant to release the car, saying cant do and blah...and said we will release it tom, and the next day meant Saturday, so obviously it wasnt going to happen. So got some influence and got the car released within an hour, which obviously didnt go too well with the SI, and since then he's been calling the boys family and asking them why they are sleeping and not filing case blah blah.
Now the boys family isnt really interested in filing the case. Okay here is where the problem begins. 46 days in Apollo has already thrown up a bill of some 14 lakhs odd, and prolly another one more week they will have to be there, so for easy calculation sake, lets assume the bill hits 20 odd lakhs. Now the boys father works for a govt agency, and they supposedly will pay 90% of the bill, and they have asked me to shelve out the remaining 10%, which I really cant pull off from my pocket, so am thinking to get my 3rd party insurance to pay up. (In the middle of all this, the car got repaired and insurance company settled off that claim. In the claim form, I did clearly mention that there was an injury and a claim could come up later)
Now if I need the insurance company to pay off the 10%, what is the procedure? I did speak to a few legal people, and I have been getting conflicting answers, hence asking you folks for help. What I am given to understand is that
1) The boys family files an FIR (i am not sure if that is already done, coz when I went to get my car released the next day of the accident, the cops gave me a copy of the CR - Criminal Report or something) - so the FIR is filed with me as the first party, and the insurance company as the 2nd party.
2) What happens next, coz I am told that if a FIR is filed, then an arrest has to be recorded. I am also told that there is some concept called Arrest and Bail at the same time.
3) Assuming Point 2 doesnt happen (which I hope it doesnt), then after the advocate from the boys side registers this at the court, and the court sends me and the insurance company summons.
4) The insurance company told me that they will hire a lawyer on mine and their behalf, and that I dont have to appear in court at any point of time.
5) A lot of people mentioned to me that the whole procedure could take like 2-3 yrs.
Now is this the actual procedure, or am I missing something, or is there some better way to handle the whole thing.
help