Guys
I want to share this accident that took place on 20.10.2010, DAMN this date
.
Me and my father (the driver at that time) were near a gap in median in our 3 month old Ford Fiesta 1.6S and were in midst of a right turn with an Auto parallel to us. Just as we were halfway through the right turn the auto slammed its brake and
BANG!
A motorcycle driven by a man in his 60s hit the passenger side door. In my reflexes, I immediately got out of the car and within 30 seconds we put the old man in our car's rear seat with the help of some people who arrived almost immediately.
All this while, a policeman arrives at the scene (as the police station was 10 meters away) and he sits inside the car with us and takes us to the nearest hospital. The old man was conscious but had facial injuries only due to him not wearing a helmet.
The policeman noted down our names and address while on our way to the hospital. In the hospital, the policeman paid for the man's dressing and medicines required as we lied we didn't have enough cash, I'll tell you why.
After he paid for his medicines, we accompanied the cop to our place in lieu of giving him the money he paid from our side. There we tried to grease his palms to avoid him from "opening" a case. But, as shocking as it could be, this policeman refused to take a penny above the money required for the medicines and presented himself as the "wonder cop" and assured us he will do his best to avoid the other party from opening a case.
But, that was not to be.
The next day, my father received a call from some OTHER police station telling him about an FIR that has been lodged in his name. In the FIR, the injured has falsely mentioned that we hit him from behind and that we were speeding. But, all the damage in our car is on the passenger side door whose sheet metal was cut due to the motorbike's foot peg and a few dents on the rear door and a slight scratch on the rear window. There is absolutely no frontal damage on our car. And his bike also has frontal damage. Stupid man I say!!
My father comes back from his office in Delhi to report to this Police Station in Faridabad.
Their the Policeman asks my father whether he would like to settle this case outside the court. My father there on leaves for Fortis Hospital to meet the injured. There he meets his sons and tries to negotiate. But, all negotiations went futile with them asking for 1 Lakh rupees as compensation which was absurd taking into account the damage done. The old man would not have to pay for his medical bills in Fortis because he is an employee somewhere that makes him gain medical facilities free of cost from Fortis which is again a reason why we shouldn't pay him such a large compensation. We got to know this from a distant relative who works at Fortis. He was kept in the ICU for a day (as is customary with private hospitals) and then shifted to General Ward the next day and was reported to have only facial injuries. Within 3-4 days he was discharged. The injured belongs to Scheduled Caste and his sons appeared to be "nikamme" trying to pry out money from this incident.
So, my father decides to let the case continue towards court and his company appoints a lawyer to fight his case. He gets his bail in a couple of days, gets the mechanical inspection of the car done in which the inspector clearly mentioned, a dent on front passenger side door at the bottom.
As of today, we are waiting for the first hearing that would be held on 13th January. On this day, I think the charge-sheet would be read and my father would have to either plead guilty or defend himself.
I need your support and advice as to how we should go about it.
I have a few doubts.
1. The strongest point in our case is that the man was not wearing a helmet due to which he has suffered ONLY facial injuries. Is there anyway they could prove this fact wrong, like presenting a purposefully damaged helmet or something?
2. In the FIR they mentioned that we hit him at a fast speed from behind which is not true. The mechanical inspection of our car also suggests the same with all damage being on the passenger side. Is there any way they could prove this fact wrong wrongfully?
3. Fake-witnesses, can they come up with this?
4. Is there any way this man could "inflate" his medical report in his support?
5. And yes, the car would be surveyed tomorrow for damages. The repair work as I can see is-
(i) Replacement of passenger side front door.
(ii) Dry denting of passenger side rear door.
(iii) Replacement of Passenger side rear window.
Luckily, there are no deep scratches and the impact was centered on the front door. There were some rubber marks on the rear door as well caused probably by the rear view mirrors of the bike which I removed recently using rubbing compound.
Now, my question, I took the insurance from IFFCO-TOKIO provided by Ford. They are telling me that since their is an FIR registered and the originals of Driving License, RC etc. are not available, the cashless facility would not be available. Is it true?
6. I was told that in first 6 months of purchase of a new car, all insurance claims are 0% depreciative. So, do you think I would have to pay anything? I mean, why the "cashless, not cashless" fuss when in the first six months all claims are taken care of with zero depreciation.
Please help us with all the advice you can.