Dealing with litigation. (Mods - sorry for two posts in a row - I was editing the first post when I found that 20 Minutes time expired, and frankly, not sure if contacting the administrator means that my changes are saved). Please delete the earlier post, if you like).
Every motor accident invites TWO litigations - one is the case in a criminal court, usually for rash and negligent driving, which means violation of a few provisions of the MV act, and also some sections of the Indian Penal Code. The sections vary depending on how many days the person spent in Hospital. If the injured spend more than 7 days in hospital, the sections are likely to be more serious.
Here are the choices you have in the Magistrate court.
You can choose between (1) pleading guilty and paying about 1.5 to 2.5K as fine and forget this thing, or, (2) engage a "good lawyer" and pay him 250 Rs. per posting, and fight the case. The case is sure to go on for at least 2 years, with one posting every 45 days (in Kerala), and you will have to appear in person every time.
In case your decide to fight remember that there is no assurance that your side will win (After all, insurance can be given to the "poor and hapless injured" only if you are held guilty!!!). Also, the it takes a hell lot of evidence to overturn the findings in the "scene mahzar" and "charge sheet", both prepared by the police, which are sure to be doctored to prove that you are guilty. You WILL have to fight the criminal case if you do not have a valid insurance cover - else, you will end up paying the insurance claim from your pocket.
If you think pleading guilty and paying fine is easier, first, ENSURE THAT YOU HAVE A VALID INSURANCE AND THE COMPANY WILL MEET THE CLAIM. Meet a lawyer to ensure that this will happen. Forget about provisions, sections and things. Just locate the court (Vanchiyoor, in TVM city), go one or two weeks before the date of posting. Reach some time between 1.30 and 3.30 afterbiib, That is when courts in Kerala have lunch break. Early mornings are a strict no-no. You can also try going after 4.PM, especially on saturdays. Make sure that sitting is not going on, and talk to the "bench clerk" - that is the title of the officer. He is the guy who calls out the case numbers and sits just below the judge do not confuse this chap with the guy who STANDS below the judge - that is the peon. The peon is likely to send you round and round in circles. Show the summons to the bench clerk, and ask him what fine is awarded for "pleading guilty". In Malayalam, use the exact phrase - "pleading guilty adikkukayanengil fine ethra aakum?".
Carry this cash and 1K extra (in case the judge is in a bad mood) and arrive in court at 11 AM on the date of posting.
Some judges allow you to plead guilty without appearing in person. Ascertain this also from the bench clerk. And finally, just in case you are fined for an amount more than the cash you have on hand, you can file a petition (in some courts, the stamp vendors sitting outside the court sell printed forms of this petition) for time to pay the remaining amount. This petition is filed after the fine is pronounced.
In the Motor Accidents Claims Tribunal, you should first meet the insurance company with a COPY of the summons, and ascertain from them if they will honour the policy - if they honour the policy, they will hire a lawyer for you also. (assure the insurance officer that this will happen). These matters are decided at the legal cells of the regional or divisional offices of the insurance company.
Here, things are likely to get difficult because you are likely to have plead guilty in the criminal court. Nevertheless, remember that strictly speaking, findings in Criminal court are NOT relevant (but may be influenced) in a civil court. If they will hire a lawyer for you, usually, same lawyer wil appear for you and the insurance company.
If this be the case, relax, only after you get a copy of the written statement filed by the Insurance company. If they admit the policy, you are safe, money wise.
In case you decide to play safe and hire a lawyer to appear in the MACT, you need to fight only till you get a copy of the insurance company's written statement. |