INSURANCE LEH CLAIM CHUNGCHANGLll

Social media post leh comment hrang hrang atanga mipui te hriat atana pawimawh nia ka hriat te han tar lang dawn ta i la. Fiah lo leh chiang lo zawh belhna a awm a nih pawhin a theih chen chen inhrilhfiah zel kan tum dawn nia.

Thuhmahruai: Insurance hi IRDA hnuaiah peng hnih lian pui puiah then a ni. Life insurance leh General insurance. Life insurance chu thihna kan tawh palha kan nunna insure, kan chhung ten a hlawkna an tel tur a ni. General insurance chu Life insurance lo zawng; motor, thlai, health, ran vulh, building, dawr, ram, contract work, …. leh thil chi hrang hrang a ni.

Tuna kan chai tur bik hi chu motor insurance lo ni ta se. Motor insurance pawh hi chi hrang hrang a awm. Motor hi class hrang hrangah then a ni phawt a; 

• 1) Commercial (passenger leh Goods), 
• 2) Private car, 
• 3) Two wheeler, 
• 4) Miscellaneous special (Tractor, crane, excavator, ambulance, morgue van, ….. etc. 

Tichuan, heng motor class hrang hrang hi insurance policy chi thum (3)-in a insure theih vek a ni. Chung te chu -

• 1) Third party liability only, 
• 2) Package (Comprehensive or 1st party), leh 
• 3) Enhancement.

1) Third Party Liability Only: He policy hi chuan midang tihpalh (mihring leh bungrua) leh a passenger te inhliam/thihna chauh a huam. Hetah pawh hian mi bungraw tih chhiat palh zangna dawmna Third Party Property Damage (TPPD) hi 6,000/- chin chauh claim theih turin a siam theih a, premium tlemin a hniam phah thei. Premium hi pawisa hlutna tlakhniam/thil man san ang zelin a sang ve.

2) Package / 1st Party / Comprehensive: He policy-ah hi chuan Third party bakah motor accident repair (Bo, kangmei leh thil dang) senso a claim theih. Amaherawh chu depreciation a awm a, motor value kha thla 6 zelah 5% -in a tlahniam ang. Tin, IMT 23 clause tel loh chuan rubber parts, glass and bulb, painting leh bumper te a huam lo vang. OD (Own Damage) Premium hi motor hlutna tlakhniam ang zelin a hniam telh telh ang.

3) Enhancement: He policy hi chu Package ang tho, mahse depreciation a awm lo thung ang. Premium pawh a sang deuh.

Claim chung change hriat tur te:

1) Insurance dik: Insurance tih dan tur dik takin kan insure a ngai. Taxi kha private car anga i insure chuan claim theih a ni lo. Chutiang zelin a class leh model dik loa insure a nih chuan claim theih a ni lo ang. Tin, insurance-a passenger emaw bungraw phurh theih bak phurh chuan a claim tel theih loh bawk.

2) Documents: MV Act in a phut angin motor document a fel thlap tur a ni. Tax, Fitness, Pollution, Plying permit, etc.

3) Driver: Motor khaltuin dan a zawm tur a ni. Diving license valid a nei tur a ni.

4) Dan zawm: Motor accident lai hian dan bawh chhiatna a awm tur a ni lo. Sawrkar phal loh thil phurh te, tlan phal lohnaa tlan te, smuggling leh permit area pawn lama tlan te…etc. 

Claim dan:

1) A hmasa berin police station hnai berah report tur a ni.

2) Darkar 24 chhungin insurance company-ah report tur a ni a, company lamin claim intimation an lo register ang. Amaherawhchu, communication lamah harsatna bik a awm a nih chuan a hnu lam pawh pawm theih tho a ni. Tichuan, company lamin nangmahni buaipui tur surveyor an lo ruat/allotted sak ang che u.

3) Insurance company emaw police lamin emaw lak sawn theih an tih hma chu a accident dan ang ang khan dah rih tur a ni. Dah sawn nghal vat a ngai a nih pawhin a chhan leh vang sawiin police te hriatpuina lak tur a ni.

4) Tin, khawih chet hmain angle hrang hrang atangin a chetsual dan tifiah thei turin thla lak tur a ni.

5) Police ten MVI lamah refer-na lehkha an siam ang a, MVI lamin a chhiat dan kim chang report an siam hunah police ten final investigation report an siam ve thung ang.

6) Hemi zawh hian workshop lamin repair estimate an siam ang.

7) Police leh MVI report, leh repair estimate bakah motor document kimchang nen insurance office or surveyor hnenah thehluh tur a ni a, hetah hian company claim form fill up tur a awm bawk ang.

8.) Insurance lamin surveyor hmangin dismantle report an siam leh ang. Hei hi workshop luh hnuah a chhia siam ngai lai zawng phelh darhin thla te lain report an siam ang. Chuan motor repair tawh tur a ni.

9) Motor repair zawh hian surveyor-in an siam tha tak zet em tih an rawn verify leh ang a, chuan final bill chu claim turin company-ah thehluh tawh tur a ni.

10) Final bill thehluh a nih hian document kim lo leh fel lo, siam that ngai, tih belh ngai tih vel a awm lo a nih chuan ni 45 chhungin claim hi tihfel (settled) ngei ngei tur a ni. Company lam hian an delay ngai lo, tih fel loh tih fel/siam that leh ngai a awm a nih pawhin agent, surveyor leh customer te hi min tur sek zawk thin. 

Claim harsa kan tih chhan tlangpui (Ka experience atangin):

1) Document fel loh vang: Thenkhat chu fitness lo thi tawh te, pollution, plying permit, tax up to date lo te a ni fo. Hetiang hi a tam ber a ni.

2) Driver dik loh: Driver thenkhat chu LMV license chauh nei motor lian lo khalh te, Two wheeler license chauh nei LMV lo khalh te. Tin, license validity tawp tawh lo renew lo te an awm fo bawk.

3) Reporting: Police hnena lo report lo te, company lamah pawh report nachang hre lo te pawh an awm bawk. Hun a kal rei tawh chuan company lamin rinhlelhna neiin reject-na tur an zawng nasa duh bik.

4) Accident tawh hnua insure: Chetsual tawh hnua insurance claim duh vanga insure ti tha leh an awm thin bawk. Chutiang anih chuan an document leh report thenkhatah rinhlelh tur a awm thin a, reject a ni fo bawk.

5) Third party: Third party bik hi chu MACT court lama thlen tur a ni a. Court thu chhuak angin insurance company ten an chawi sak ang. Hei hi chu court thil a nih avangin procedure leh a rei zawng keini tan sawi theih a ni lo.

6) Fraud: Company lam hi sumdawng vet ho an ni a, tul loa pawisa sen an duh bik lo. A chunga kan sawi zeuh ang khian claim dik lo a awm fo. Accident tawh hnua claim duh vanga insure chauh, report leh documents te siam danglamin. Chubakah accident miah lo motor dang accident thlalak edit leh siam danglam vela claim tum an awm thin bawk. Chumai bakah fake/a lem emaw, a model leh class dik loa insure te. Hei hi Mizoramah ngei pawh kan tawng tawh. Chuvang chuan company te hi an fimkhur ve em em a ni.

7) Final Bill: Hei hi buaina tam tak a ni bawk. Atir atangin insurance company ten Police, MVI, surveyor leh thlalak hmangin a chhiat dan an verify vek a, hemia a chhiat dan atanga chhuta final bill tam uchuak lutuka an rawn siam chuan company lam tan passed mai a har ve thin a, bill siam nawn, paih then leh, … etc te a ngai ve leh thin a, hei hian buaina leh delay tam tak a siam ve thin bawk.

8) Surveyor: Mi thenkhat chuan bill tam an duh avangin surveyor te tlawn nan tips an lo pe thin a, tin surveyor te zingah pawh hemi avang hian motor neitu te hnena pawisa phut ching te pawh an lo awm a ni awm e. Chung chu company hriatpui loh a ni. A chunga sawi ang khian report leh final bill a inmil leh si loh chuan buaina tam tak a siam ve thin bawk a ni.

Hnathawk te dawr leh biak an har tih hi chu sawi vak theih ka nei lo. Mihring kan inang lo a, thenkhat dawr nuam em em an awm laiin lo khirh deuh te pawh an awm ve ngei ang. Mahse, mahni dikna leh chanvo humhalh tur chuan tumah inthlahrun tur a ni lo, biak har eng ang mahse kan ti ve tang tang mai tur a ni.

Tin, insurance company te hian mipui pawisa an ei ngawt bik lo tih kan hriat a tha hle. Entirnan; Scooty pakhat 3rd party insure-na chu 1,000/- bawr vel a ni a. Scooty pakhat chu a chesual ta hlauh mai a, a khalhtu leh a mi phurh chu an boral ta a. Thalai v eve la niin chhungkaw chawmtu ve ve an lo ni bawk nen MACT chuan an lu man chu company tum turin a rel ta a. Kum 65 an nih thlenga an thawh chhuah tur hisapin a chhut ta a, mi pakhat luman atan 45 lakhs, chuan mi pahnih tan 90 lakhs. 90 lakhs chu insurance company in a chawi ta a. Chu 90 lakhs cover tur chuan Scooty insurance pakhatah 1,000/- zela chhutin eng zat nge siam ngai ta. (90,00,000 / 1,000 = 9000). Scooty policy 9000 a siamin a cover pha chauh a ni. Chutiang chu thil nih dan a nih avangin hlawkna um ve bawk nimahse sawrkar laipui hian a awm tawkin a fixed sak zel tih hriat tur a ni.

Tlipna: Kan han sawi tak te hi a tlangpui leh pawimawh kan hriat awlsam theih tur a ziah a ni a. Zawh belhna a awm a nih pawhin a theih ang anga chhang turin kan inpeih reng e. Awlsam taka claim kan duh chuan kan sawi tak dan leh dun te khi zawm a ni mai. Dik taka in ti thlapa harsatna in tawk a nih chuan a mimal ang leh pawl ang pawhin theih tawpin hma kan lo lak pui zel ang che u.

C. Zothansanga

The New India Assurance Co. Ltd. Agent