Aug 17, 2014 06:10 PM
39232 Views
(Updated Aug 17, 2014 08:28 PM)
Due an accident with my car, an old lady(Third Party) got injured. Under humanitarian ground and being a responsible citizen, I provided First-Aid and Hospital Treatment to the Third Party, bearing all the expenses amounting more than one Lakh rupees. Since the Third Party was not in position to bear hospital expenses, it was my moral duty to take care of her, instead of leaving on the mercy of Insurance Company’s Claim. By doing so, I also followed the Rules of Law of our country, which state that it is the duty of driver of a vehicle involved in an accident to secure medical aids for injured person by taking her to hospital first and then only report the matter to police station within 24 hours, and also inform insurance company for claim; otherwise it is punishable under Motor Vehicle Act u/s 134 & 187(Ref.: Letter No. RT-25028/2/2003-RSC dated 9th September 2004 of Ministry of Shipping, Road Transport & Highways, Govt. of India with regard to the Directives of ‘Honorable Supreme Court of India’ about road accident victims).
On the above case, when I lodged the claim(No. OC-14-2406-1801-00002700, Dated 28-Jan-2014) with Bajaj Allianz General Insurance Co. Ltd. for reimbursement of medical expenses of Third Party treatment, the Insurance Company refused to make any reimbursement for medical treatment of Third Party. They said that for making any claim, Third Party has lodge the FIR and then the Insurance Company will follow them in Court. If the Court decides the matter in favour of Third Party, then only the company may pay any claim to Them. If that is the case, then does it not encourage the people(driver) to run away after accident, instead of helping injured person as per the Directives of Highest Court of our Country? In such case, what would have been the fate of injured Third party who is not in position to bear hospital expenses?
It was astonishing that instead of guiding properly, the representatives of Bajaj Allianz General Insurance Co. Ltd. misguided me on this issue to make the situation in their favour. Even after providing all the proofs and witnesses of accident and medical treatment, Bajaj Allianz General Insurance Co. Ltd. has refused blatantly to make any reimbursement for medical expenses incurred by me on treatment of Third Party. It is really disappointing and disgusting, and I am not able to understand for what the Insurance Company charges handsome amount as premium from the Insured?
Dr. VP. GUPTA
