Monday, July 9, 2007

The chain of events:

Ref. Claim No. 322800/01/31/167/2006-07
Policy No. 322800/0//66/31/30732006 of Vehicle bearing registration No. AR - 01B - 5726

I would like to highlight and apprise you of the whole course of action taken so far with regard to my claim for my car insurance policy (as far as my knowledge is concern) in chronological order:
1. January 16, 2006: The vehicle was insured with comprehensive policy of Oriental Insurance Company Ltd. on January 16, 2006 with insurance No. 322800/0//66/31/30732006 having an expiry date of January 15, 2007.
2. December 16, 2006: My vehicle of Hyundai Santro Car bearing registration No. AR - 01B – 5726 met with a fatal accident near Piphema on December 16, 2006. Three occupants - my dear mother (Ningzaman), brother (T. Langbiaklian) and cousin sister (Dimhauniang) died on the spot.
3. December 20 & 21, 2006: The corpses were traced out after a thorough search made with the help of the Forces and recovered on December 20, 2006 from a deep gorge of about 300 feet. The dead bodies were post-mortemed at Dimapur Civil Hospital on December 21, 2006 and the reports were also submitted to your good office with the claim form.
4. December 24, 2006: The totally damaged vehicle was recovered with the help of Dimapur Traffic Police (DTP) and M/s Sharma Breakdown Service on December 24, 2006 and was placed with the DTP at Dimapur Traffic Police station.
5. December 27, 2006: The NABARD, Dimapur Regional Office on December 27, 2006 has written to the Oriental Insurance Company (OIC), Naharlagan informing them about the accident and requesting them to do the needful regarding the insurance policy.
6. January 3 & 9, 2007: The damage car lying at DTP station was inspected by the Dimapur OIC surveyor. As per the report submitted by the Hyundai Agency of Dimapur and the District Transport Office, Motor Vehicle Department, Dimapur, Nagaland dated January 3 & 9, 2007, respectively, the vehicle was totally damage and was beyond repair.
7. January 17, 2007: Police Investigation Report was made about the Motor Vehicle Accident.
8. During January and February, 2007 the NABARD Regional Offices of Itanagar and Dimapur keep on pursuing the case mainly through telephone calls to your OIC offices in Dimapur and Guwahati. They were informed that the case has been referred to Guwahati office and has been taken up.
9. March 21, 2007: Wrote an e-mail to OIC Guwahati Regional Office on March 21, 2007 and received a delivery report on March 23, 2007 to process the case.
10. March 21, 2007: Visit the OIC, Naharlagan but the office was closed since it was Saturday.
11. March 26 & 28, 2007: Visit Mr. B.C. Das, Divisional Manager of the Naharlagan Divisional Office of OIC on March 26, 2007 wherein he was unable to inform me on any development. On my visit again on March 28, 2007 I was informed by the Divisional Manager that the case is still pending in Guwahati.
12. April 9 & 13, 2007: E-mailed the OIC Head Office, Delhi on April 9, 2007 requesting them to expedite the process and received a reply on April 13, 2007 saying that the matter has been taken up with the concerned Office(s).
13. April 18 & May 4, 2007: The second surveyor from Guwahati was sent on April 18, 2007 to Dimapur to inspect the vehicle and the vehicle was found missing. He contacted me over telephone and informed me about the lost vehicle. As per his telephonic advice I contacted the Divisional Manager, Naharlagan. I wrote to him (dated May 4, 2007) and request for the settlement of the claim (for the car and the three life compensation claim for the deaths) on compassionate ground along with the following documents once again:
i) Post Mortem report - 3Nos.
ii) FIR lodged by NABARD, Nagaland RO
iii) Police Investigation Report - 1No.
iv) Affidavit - 3Nos.
v) Succession Certificate -3Nos
vi) Death Certificate - 3Nos
vii) Vehicle Insurance Policy in Original - 1No
viii) Vehicle registration Book - 1No.
ix) Driving license - 1No
x) Police Investigation report.
xi) Report from Hyundai Company.
xii) Towing receipt.

13. April 28, 2007: On my first opportunity I visited Dimapur on May 12, 2007 from Itanagar, Arunachal Pradesh. I along with my friend Mr. G. Thangchinkhup went and visited the DTP Station and found the vehicle missing as reported by the second surveyor. On enquiry we were told that the Police Officer handling the case has been transferred to Crime branch and we did not get any co-operation from the dealing staff. No information or record was told or shown to us. I wrote one application to issue me ‘Vehicle Lost Certificate’ but it was not taken by the Police. I was further told that the owner took the vehicle. I have made clear to them that I am the owner and I neither take the car nor authorize anybody to take the car on my behalf. As per their advice I went to the Dimapur Police for the lost certificate. I was straight away told that they did not have any knowledge pof the vehicle and its accident and that the lost certificate is to be issued by the Traffic Division (Police).
14. June 7, 2007: Got e-mail from Mr. P.C. Hota Chief Regional Manager, Guwahati, OIC informing me to produce the lost vehicle.
15. June 20, 2007: Received a letter from second surveyor, Mr. Romesh Borah, informing me about his search for the missing car at Police station Dimapur and requesting me to produce the same.
16. June 20, 2007: On June 20, 2007 I went and met Mr. E. Chandrasekharan, Chief Manager at the OIC Head Office in Asaf Ali Road, Delhi. I was told that he had received a letter from the second surveyor saying that the matter may be treated as close since the owner was unable to produce the vehicle. After apprising him of the situation and the difficulties and problems face by me, he advice me to file an FIR and to obtain a non-traceable certificate from the Dimapur Police.
17. June 29, 2007: After contacting a friend in Dimapur to enquire the police station he informed us that according to the Police record the vehicle was already taken by the name of Mr. G. Thangchinkhup, Asst. Manager, NABARD, Dimapur. My friend Mr. G. Thangchinkhup was totally unaware of the car being taken in his name. Again I met Mr. E. Chandrasekharan in his office at around 5:15 pm the same day and ask for his advice again regarding filing of an FIR since the car was taken in the name of my best friend, Mr. G. Thangchinkhup. Mr. E. Chandrasekharan advice me to take appointment and meet Mr. P.C. Hota, Regional Chief Manager (Off. Ph. 2730523) at Guwahati as he will be the best person to advice me in the matter.

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