Book April

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

THE EVER READY UNIVERSAL GUIDE

for the Use of

Police department Insurance Companies Banks and Financial Institutions

A READY RECKONER To trace more number of Stolen Vehicles Price Rs. 100/-

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

Editorial

INDEX

Responsibility – Authority 1

Editorial

2

2

Order in Chaos

3

3

How to use this Ready reckenor (Police department)

7

4

How to use this Ready reckenor (Insurance companies)

8

5

Ready reckenor List (Chassis No./Engine No. - wise)

10

6

Ready reckenor List (AR # - wise Insurers/Police details)

30

7

Ready Reckoner (List of recovered vehicles)

44

8

Interesing Case History

47

9

All about Investigations -

10

Letterhead of Investigator

11

Too Busy for a Friend

52

12

Form of Authetication Letter for entries

54

13

Form for Details of recovered vehicles

55

14

Subscription requisition

56

15

Application for Inrollment as Member

57

50-51

April 2003

effects of colonization. For most, the Police are a suppressive force with inhuman tendencies! In administration the BabuChela syndrome has not been wiped off, but has done a difference costume. Chamchagiri, Jalra, Soaping up are some of the words that might not find their way into a dictionary. But they are the way of life in many an organization.

What do dictionaries say about these two words? We personally feel that these two words are profound in their range than one could think of. Many a battle inside Governments, Corporate houses, Associations and many other bodies revolve around these two words. Now let us play with these two words. 1. Responsibility without Authority 2. Authority without responsibility 3. Responsibility without sufficient authority 4. Authority without sufficient responsibility 5. Work without responsibility & authority

To get some useful things done, it takes Herculean efforts disproportionate to the end result aimed at. In all these things we tend to waste a lot of precious time. Without a proper relationship maintained between ‘Giving Authority’ & ‘Fixing responsibility’, there won’t be any meaningful progress. This is where we give room for others to play and see that there is no balance between these two achieved. We need not go far to get examples. Take a housing colony or Apartment buildings and make a study of their workings. Very few people take responsibility and work for the upliftment and maintenance of the Buildings and without expecting any authority. Now building rules are stringent and the Secretary of any Association is the first person taken into task for any breach of statutory requirements. Unfortunately few will recognize that the poor fellow has not been given any authority to mend thing as and when it is required. He/she is tied up in such things as ‘approval from GB’ etc. Preventive measures to be taken to preserve the buildings are postponed by majority till it is too late and the costs of

When we scan the society we see people with different mindset but have something common in their outlook. Majority of people will be happy with authority without responsibility. But again the majority of people are bearing responsibility without authority. A few have the authority but what is the extent of responsibility they are prepared to bear? Analyzing the time administrators spend in finding solutions to problems, one would find that more than 50% of actual time taken in the process is spent on fixing responsibilities and authorities. Why is it so? The root, to us, seems that in spite of independence offered to us in 1947, we (read masses) are yet to come out of the 1

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repair shoots up, the Secretary is blamed for extravagance.

April 2003

be clear about the extent of authority we require to shoulder the responsibility. Now is the crucial step. To convince others that certain amount of authority is necessary, to shoulder responsibility, it takes a lot of perseverance.

So in many a buildings, corrupt and inefficient people take up authority and manage the show by pleasing those who raise their voices. Everything goes on smoothly – but at what cost? It is a vicious cycle. What is the need of this hour? Individuals taking a divergent course will give room for outsiders getting foothold much easier and the danger of colonization is again looming large in the horizon. The colonization may not be openly displayed but subtly control the minds of the masses and ultimately lead to extinction of entire races. Not impossible? Certainly possible. FOOLISHNESS IS CRIME. The first duty of every citizen of this great country is to make sure that the masses are made to understand the dangers of this new type of invasion – that does not come through any visible means – but through thought waves propagated through blazing advertisements, luring the gullible into traps and finally into submission. There is no time to argue about which is the right way or system or method. Every one of us must try each one WITHOUT BIAS, pool our findings, analyze and select one that will serve the purpose more effectively. The story of Hare & Tortoise published in the January Issue says it all. TEAM is Together Everyone Achieves More. How true! In doing so each one of us must shoulder our share of responsibility and must

There is no escape from the analogy of Apartment buildings. Corruption and nepotism rules the roost. So any logical explanations are brushed aside as costly, unworkable and useless. People are interested in immediate solutions and the solutions that come free of cost; all the more better! So as it stands to day the results of such behaviours are there to see. Many flats are vacant and could not be sold due to the problems created in the past. The owners residing outside are not prepared to give authority to the owners staying in the apartment buildings, who have been shouldering the entire responsibility for many years. They are not even interested in discussing the issue! They don’t have time! Unfortunately non-resident owners forget that the resident owners have been taking care of their interest without expecting any returns. This very same trait is seen in a larger scale in the administrative side of the government. The earlier we find a way, to reduce the time spend on fixing responsibilities vis-à-vis bestowing authority, the better for our country. Crime control and prevention is the responsibility of every citizen. We cannot shirk away from our responsibilities. So the habit of sharing the responsibility starts at Home! 2

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April 2003

paths would be open. Some may lead to dead ends. We can retrace our steps and explore other paths.

ORDER IN CHAOS 1 Preamble: The human brain is a complex structure with innumerable connections and shortcuts. Emotions tend to apply brakes, in the brain activities, causing breakdown of the nervous system. The emotions are created and governed by external activities like inter personal relations, events in work field, imposed authoritarian controls etc. To clear the blocks created by emotions; it is imperative to study the circumstances that created it. The “ Order in Chaos” theory is quite simple if one has got the patience and inclination to go into it. The following paragraphs give a few pointers to show that from seemingly impossible situation how one can retrieve him/her self and put his/ her life into order once again.

2.1 Single mindedness of purpose: The first and foremost quality required to find “Order in Chaos” is SINGLE MINDEDNESS OF PURPOSE. The person who finds himself in hopeless situations must resolve to get out of it in the first place, if at all he wants to come out of it. It is an irrefutable fact that every individual is a hub connecting various other persons in some way or other. Thus a depressed person not only suffers himself but also affects others and drags them also along with him – just like a person drowning in water drags, others also along with him in desperation. So one cannot afford to just sit there and watch others drown in sorrow.

2 Methodology: The only way to reveal the order in a chaotic situation is start from a point, which is apparent and more or less stable fact. Then the immediate events surrounding the point should be recorded by querying the subject and if necessary other connected persons. While doing so care should be taken to ensure that these are facts (as far as possible). Contradictions are bound to occur between statements of various connected parties and all these must be recorded. Chronological sequences would throw light into the seemingly complex situation and

The whole thing revolves around SELF-PRESERVATION. If we want to save ourselves we have to pull our weight to see that none around us get into depressive mood. Intervening at the appropriate time is the key. Instead of advising them to come out of it, they may be given words of solace to build up confidence and ACHIEVE THE SINGLE MINDEDNESS, which is the foundation on which others can build their ideas, experiment and bring normalcy. By doing this they not only save the affected person, but also save themselves. It is an educative 3

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April 2003

experience and also has the capacity to mend the social fabric woven around them.

generation closing the avenues for the elderly to reach them is suicidal.

2.2 Fallacies: -

The next fallacy normally found among elders in the family is that care of children can be delegated to paid servants. They forget that the smallest seed of today is the huge tree of tomorrow. If the tree is poisonous or undesirable what one can do except to fell it! Any amount of medication is useless in such a situation. Today’s chaotic situation might have its root somewhere in the past. In many cases events of the past generations do have an effect on today’s situation. Thus it is not only essential to take steps to mend things as they stand today, but also correct our imperfect ways so that such situations do not arise tomorrow. The affected person must be made to realize this and prepare himself for the ordeals of restoration ahead –SINGLE MINDEDLY.

Most people (this includes parents and close blood relatives) tend to place their own interest first before the real issue. Misplaced priorities more often adds to the agony and aggravate the situation. Thoughtless words spoken at inappropriate situations tend to do more harm than good, however good the intentions might be! In today’s fast moving world nobody has got time to attend to the most important aspect of life – social equanimity. People think that by having more money they can solve problems more easily. This is one of the fallacies. The second fallacy is that “elderly persons are more knowledgeable in social situations and can give instant solutions!” Nothing is more fallacious than this one! Fast changing world throws up such challenges; even the most venerable and experienced elderly person cannot cope up with these challenges on their own. On the other hand younger people who are more adaptable to changing environments can throw more light to counter such challenges. It is a continuous affair. Thus building a bridge between generations is a must to survive meaningfully in this world. The onus of building these bridges lies with the elderly parents and grand parents than on the younger generation. For younger

Thus we come to the next step collecting threads connected to the affected person 2.3 Collecting threads: The person/s involved in the restoration process, list out the immediate proximate events that lead to the present abnormality. In a traumatic situation there may be many proximate events, which have, individually or cumulatively, have contributed to the present situation. Each one must be considered first in isolation and 4

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then in relation to each other. If the issues are taken up in small manageable segments, one can arrive at the solution much more quickly. In doing so the enquirer must desist from allowing extraneous issues and personal considerations to interfere in the process of reconciliation. So collecting the threads linking the chaotic situation is very important.

April 2003

by ignoring their collective intellectual wealth we have lost much. At least we can do one thing. Make our children realize the importance of disciplining ourselves. 2.5 Stressing the value of TRUST: TRUST - something we can’t do without. Each one of us base our decisions on our trust on something, may be a person, may be an organization or anything that matters. The question is - is it absolute? If a person places his trust absolutely on somebody or on something - it transforms itself into a powerful tool. In a family environment absolute trust will work wonders. If the children are made to understand and realize that they are trusted absolutely, it acts as a deterrent and the children will think twice before committing acts that would jeopardize this trust. Parents should realize this. Scolding and reprimanding is of no use. But the fear of losing trust is more powerful than any reprimand! In a family circumstance parents tend to lose tempers. The frequency of such tantrums makes a lot of difference to a child’s psyche. The child understands the situation if the occurrence is spaced over long periods. If the child itself is the cause of such a situation, it takes steps, to bring the situation to normalcy, on its own. Not only the parents should practice it, but also, teach the children its values with examples from their own life. Talking about

2.4 Collecting events of the past: Continuity of lineage is considered the most important thing in one’s life and people go to any extent to see that they have children. The whole issue is considered as a quantitative requirement and quality recede to the background. Genes carry information to cause certain ailments/ problems repeat from generation to generation without a solution in sight, which in turn have their roots in the past sometimes removed two or three generations. The people searching for their roots are on the right track. Not only finding their ancestors, but also learning a bit about their nature and other personal details would be helpful in taking preventive measures. More over events of the past normally comes down by word of mouth and till the Seventies and eighties elders were available for counseling on such matters. These people born before the year 1900 have seen it all. Those people were sharp in their memory, and had a fund of knowledge. Just 5

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April 2003

2.7 Summarize in logical sequence: -

situations in the past and analyzing the causes is a good exercise. In doing so, we must be objective and if the child points out an accusing finger at us, we must be able to explain the situation properly and logically. Sometimes, during such sessions, it may happen that the whole issue was due to our own fault. In such an event admitting our fault and expressing apology will enhance our image in the eyes of the child how ever small he/she may be. This will strengthen the trust the child places on us and we will not do anything that jeopardize their trust.

Summarizing all collected materials in logical sequence is an art. Constant practice makes a person achieve clarity with minimum words. No two situations are alike. So it would be a grave blunder in comparing two situations and apply the result of one to the other. The whole process of reconciliation has to be done afresh for each and every occasion. The only thing that would be common is the methodology. After attending a few cases the counselor gets a grip on the finer points of the trade and would be able to build TRUST quickly and get on with the job faster.

2.6 Listing out valid points and removing extraneous unconnected facts and figures: -

3 Solutions: When the sequence of normalization is carried out as listed above, the probable and possible solutions would emerge from the affected persons themselves and by coaxing and encouraging further, a few more alternative solutions or via media will emerge. This is where the crucial last step comes. After the solution is clear - the sufferer should take the last step himself. Nobody on earth can do it for him. It might mean that he has to step down several rungs in the ladder from his lofted position. He should realize that by doing so his image will not get spoiled. On the contrary, it will enhance his/her image further and others similarly placed will start looking up to him/her for solutions to their problems. Cont’d in Page

Patient documentation is very important in finding out order in chaos. The exercise of collecting and documenting has it’s own therapeutic value for the enquirer and the subject alike. Bundling passions on to the sidelines and immersing into the documentation will not only sooth frayed nerves but also help reveal flaws in one’s own outlook. While doing so, we can even differentiate between relevant and extraneous points. Before confirming an event as extraneous, it has to be considered fully and we have to make certain that there is no connection whatsoever to the present situation. The exercise also has the effect of building TRUST between the sufferer and the counselor. 6

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April 2003

HOW TO USE THIS READY RECKENOR (Police department) This Ready Reckenor is designed to help the Police Personnel engaged in routine checks at — Highways Check posts Busy junctions in a town/city Air Port Parking Lot Railway Station Parking Lots Cinema Halls Parking Lots Automobile Garages And places where search is made on Court Orders The Lists given in the following pages are in ascending order and vehicle (make/model) wise. To locate a Chassis number, look under the appropriate vehicle make/model classification. For Example if you are checking a HEROHONDA Splendor, look under the heading – HeroHonda-Splendor. The Chassis number is listed separately and the engine number is listed separately as they are separate units and can be inter-changed. Check the vehicle RC with the number on the vehicle Compare the chassis/engine number with the List If matching number not found clear the vehicle. If a matching number is found note the corresponding AR Number. Go to the next section of Ready reckenor where the details of Insurance Company, Police station, and FIR Number are given against the reference AR Number. Note the details and contact the nearest office of the Insurers and/or notify AMARAN REGISTER Private Limited. 7

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April 2003

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

HOW TO USE THIS READY RECKONER (Insurance Companies) In spite of the sincere efforts of the Police Personnel, it is getting more and more difficult to weed out stolen vehicles that get regularized through devious means (forged RC book, forged NOCs, and then re-registered through regular legal RTOs). These vehicles ply on road and get their insurance cover without any problem. Till to date there is no way for an Insurer to verify this clever manipulation. NOW IT IS EASY TO WEED OUT SUCH VEHICLES

THE EVER READY UNIVERSAL GUIDE

READY RECKONER SECTION I

PROCEDURE: Whenever a vehicle come for renewal of Policy, obtain a copy of RC attested by the insured him/her self for records. Check the Engine and Chassis Number with the list given in the Ready Reckoner. If a match is found note the AR number against it. Go to the next section of Ready Reckoner and check the AR Number.

ALPHEBETICAL LIST OF

Note the Details of Insurers/Police FIR etc. and take appropriate action

STOLEN VEHICLES

If such vehicles are already under claim – the Insurers have the option of stopping the payment – and then take necessary action. This is not only loss prevention but also – by initiating action with the help of the Police – recover some value in the process. When this Ready Reckoner is updated regularly, it will help in reducing overall costs for the Police and help them to recover more number of stolen vehicles, thereby help the Loss Minimization efforts of the Insurance Company This system can be extended to costly equipments like Laptops. Insurers may send in suggestions for improving this system. Ultimately it is for them only!! 8

MAKE/MODEL AND CHASSIS & ENGINE NUMBERS IN ASCENDING ORDER

9

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April 2003

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THE EVER READY UNIVERSAL GUIDE

BAJAJ

AMBASSADOR - ALL MODELS

April 2003

BOXER AT & CT

AR#

Chassis Number

AR#

Engine Number

AR#

Chassis Number

AR#

Engine Number

000286

AEY 801646

000316

D 299354

000285

DFFBFM 62559

000295

31 MBGC 08116

000380

AGU 720142

000286

6 EPEY 020053

000295

DFFBGC 19498

000285

DFMBFM 72029

000304

AJT 699565

000380

6 EDGU 128930

000281

DFFBHC 71356

000281

DFMBHC 85901

000392

III 471750

000304

6 EDJT 109461

000316

III 593967

000392

ODH 57018

ASHOK LEYLAND - ALCO 3/3 TIPPER AR#

Chassis Number

AR#

Engine Number

000244

NPE 253681

000244

NPE 132302

AVANTHI

KOBRA

AR#

Chassis Number

AR#

Engine Number

000272

MD 9 PJT 08 A 9905132

000272

TJPQA 9905894

BAJAJ CALIBER AR#

Chassis Number

AR#

Engine Number

000252

DDFBHB 52188

000252

DDMBHB 12180

000275

DDFBGC 78706

000275

DDMBGC 28086

000291

DDFBFE 44261

000291

DDMBFE 83307

000292

DDFBFF 8 7515

000292

DDMBFF 94468

000412

DDFBEM 66129

000412

DDMBEM 69168

BAJAJ CHETAK BAJAJ

4S

AR#

Chassis Number

AR#

Engine Number

AR#

Chassis Number

AR#

Engine Number

000289

03 C 501 180289

000289

03 E 502 178137

000441

31 F 95 C 00054

000441

31 M 95 C 02816

000464

06 C 1100213

000464

06 C 1137240

000425

31 F 95 F 18599

000425

31 M 95 F 21420

000265

06 D 96 P 67336

000528

06 F 1100514

000528

06 F 1064023

000280

35 E 96 K 48759

000280

35 C 96 K 11262

000265

85 P 96 F 67818

BAJAJ

AUTO

AR#

Chassis Number

AR#

Engine Number

000251

24 F BDM 47041

000251

24 M BDM 96488

000548

24 FBGA 01936

000548

AEMBG 013995

000220

30 F 94 D 07699

000220

30 M 94 D 06589

000554

F 24 BM 020988

000554

M 24 BM 023990

000349

30 C 099117

000349

30 E 097862

000540

W 24 C 012699

000536

W 24 C 050179

000434

3 DC 079689

000434

3 DE 076447

000549

W 24 C 047247

000540

W 24 E 012591

000560

C 30 CA 024304

000560

E 30 BM 022127

000536

W 24 E 049396

000549

W 24 E 046023

10

BAJAJ KB 100

11

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BAJAJ

April 2003

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THE EVER READY UNIVERSAL GUIDE

April 2003

FORD IKON

LEGEND

AR#

Chassis Number

AR#

Engine Number

AR#

Chassis Number

AR#

Engine Number

000290

28 CBFH 39808

000290

28 EBFH 40157

000199

MAJAXXMRTA 05848

000199

YA 05848

HEROHONDA

BAJAJ M 80

CD 100, CD 100 SS,. CD 100 DX

AR#

Chassis Number

AR#

Engine Number

AR#

Chassis Number

AR#

Engine Number

000181

16 C 94G35760

000181

16 E 94G35812

000342

11331

000342

21543

000321

16 C 95 K 10007

000321

16 E 95 K 09122

000400

01 G 13 F 00063

000423

94 G 10 E 12310

000206

16 C 96 K 69063

000206

16 E 96 K 69037

000423

94 G 12 F 08414

000400

01 G 13 E 00024

000453

16 CBEC 33864

000462

16 EBCL 25617

000411

16 CBEE 57820

000453

16 EBEC 35803

000214

16 CBFK 15371

000411

16 EBEE 57832

000373

16 CBGE 08648

000214

16 EBFK 18720

000455

16 CBGK 56342

000373

16 EBGE 10501

000377

16 CBHF 84103

000455

16 EBGK 58571

000462

16 EBCL 25602

000377

16 EBHF 86840

BAJAJ RAVE & SUNNY AR#

Chassis Number

AR#

Engine Number

000552

34 CBDG 14207

000552

34 EBDG 14044

000487

33 F 96 J 87464

000487

33 M 96 J 87391

BAJAJ

SUPER FE

HEROHONDA

CD 100, CD 100 SS,. CD 100 DX (cont’d)

AR#

Chassis Number

AR#

Engine Number

000284

96 L 12 F 01607

000284

96 L 10 E 01495

000370

97 A 10 F 7357

000370

97 A 10 E 16021

000273

99 B 10 F 09656

000273

99 B 10 E 18201

000371

99 D 12 A 12092

000270

99 E 10 E 11949

000270

99 E 12 F 05995

000268

99 H 10 E 08200

000268

99 H 10 F 06239

000371

9910 E 22860

HERO HONDA SPLENDOR AR#

Chassis Number

AR#

Engine Number

000489

00 M 20 C 22612

000489

00 M 18 M 22705

000355

00 A 10 F 10829

000355

00 A 10 E 22143

AR#

Chassis Number

AR#

Engine Number

000404

00 B 19 F 07774

000404

00 B 17 E 07158

000300

08 C 93 M 91527

000300

08 E 93 M 04989

000447

00 B 20 C 03366

000447

00 B 18 M 03578

000308

00 E 20 C 09920

000352

00 C 18 E 15957

000360

00 F 20 C 11321

000308

00 E 18 M 10170

000222

00 F 20 C 16430

000369

00 F 18 E 10777

000210

00 F 20 C 17810

000325

00 F 18 E 10784

ENFIELD EXPLORER AR#

Chassis Number

AR#

Engine Number

000344

B 63437 C 2

000344

363175 C 2

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HERO HONDA

April 2003

Vol. 1 Issue 4

SPLENDOR (cont’d)

THE EVER READY UNIVERSAL GUIDE

HERO HONDA

April 2003

SPLENDOR (cont’d)

AR#

Chassis Number

AR#

Engine Number

AR#

Chassis Number

AR#

Engine Number

000369

00 F 20 F 10954

000360

00 F 18 M 10748

000325

00 F 20 F 11097

000222

00 F 18 M 15098

000387

00 G 20 C 22611

000210

00 F 18 M 18084

000238

00 L 20 C 09228

000387

00 G 18 M 22696

000358

00 L 20 C 27774

000238

00 L 18 M 09123

000406

00 M 20 F 26843

000366

00 L 18 M 19789

000366

00120 C 19720

000358

00 L 18 M 27752

000352

0020 F 14844

000406

00 M 18 E 25958

000350

01 B 20 C 23112

000376

00798

000556

01 B 20 F 01745

000556

01 B 18 E 01343

000297

01 G 20 C 06790

000350

01 B 18 M 23274

000378

01 G 20 F 12083

000378

01 G 18 B 12199

000219

95 D 19 F 00870

000297

01 G 18 M 00521

000572

95 D 19 F 81500

000219

95 D 17 E 00602

000533

95 K19 F 02438

000572

95 D 17 E 81554

000472 000457 000439 000205 000484 000320 000250 000264 000324 000438 000327

95 L 19 F 02947 95 M 19 F 05884 96 F 19 F 05169 96 G 19 F 03868 96 G 19 F 04601 97 F 17 E 63639 97 F 19F 09089 97 G 19 F 07919 97 G 19 F 09719 97 J 19 F 08024 97 J 19 F 09920

000533 000472 000457 000439 000205 000484 000320 000250 000264 000324 000438

95 K 17 E 02547 95 L 17 E 02896 95 M 17 E 05798 96 F 17 E 05192 96 G 17 E 03624 96 G 17 E 04545 97 F 17 E 03444 97 F 17E 10196 97 G 17 E 08190 97 G 17 E 09009 97 J 17 E 08156

000322 000319 000396 000249 000541 000354 000449 000301 000463 000473 000568 000241 000495 000257 000227 000395 000372 000471 000518 000385 000318 000361 000452 000389 000213 000347 000196

97 J 19 F 11531 97 K 19 F 03142 97 K 19 F 08186 97 K 19 F 09591 97 M 19 F 30892 98 A 19 F 04572 98 B 19 F 04860 98 D 19 F 03986 98 D 19 F 06684 98 G 12 F 01360 98 G 19 C 00232 98 G 19 C 06047 98 G 19 F 01100 98 G 19 F 05736 98 G 19 F 09061 98 H 19 C 02106 98 J 12 F 11536 98 J 19604547 98 L 19800504 99 D 19 C 02687 99 D 19 C 09360 99 E 12 F 06611 99 F 19 C 08774 99 G 19 C 00985 99 G 19 C 09992 99 G 19 F 09206 99 H 19 C 03689

000327 000322 000319 000396 000249 000541 000354 000449 000301 000463 000568 000473 000495 000257 000241 000395 000372 000471 000518 000227 000385 000318 000361 000347 000452 000389 000213

97 J 17 E 10435 97 J 17 E 11913 97 K 17 E 03069 97 K 17 E 08038 97 K 17 E 09900 97 M 17 E 30853 98 A 17 E 04939 98 B 17 E 04798 98 D 17 E 03583 98 D 17 E 06348 98 F 17 M 05048 98 G 10 E 00617 98 G 17 E 00994 98 G 17 E 6103 98 G 17 M 05250 98 H 17 M 01989 98 J 10 S 22645 98 J 17 M 05430 98 L 17 M 00541 98817 E 09026 99 D 17 M 02641 99 D 17 M 09345 99 E 10 E 12811 99 F 17 E 01887 99 F 17 M 07533 99 G 17 M 00405 99 G 17 M 10148

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HERO HONDA

April 2003

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THE EVER READY UNIVERSAL GUIDE

April 2003

KINETIC HONDA & HONDA DX (cont’d)

SPLENDOR (cont’d) 99 H 17 E 07866

AR# 000221

Chassis Number NIFSL 143705

AR# 000221

Engine Number NIESL 139279

000196

99 H 17 M 02528

000394

NIFTB 164067

000394

NIFTB 160431

99 H 19 C 11769

000553

99 H 17 M 06910

000367

99 H 19 F 08162

000309

99 H 17 M 10802

000481

99 J 19 C 10078

000557

99 H 17 M 10978

000376

99 M 17 C 00807

000481

99 J 17 M 08517

000403

99 M 19 C 08528

000414

99 M 117 M 09091

000414

99 M 19 C 2418

000403

99 M 17 C 05321

000418

C 10 F 107487

000418

C 10 E 107623

000353

C B 03003788

000353

C B 13005046

AR#

Chassis Number

AR#

Engine Number

000563

G 10 F 509644

000563

G 10 E 539268

000218

C 10 C 564572

000218

E 10 C 562038

AR#

Chassis Number

AR#

Engine Number

000553

99 H 19 C 08083

000367

000557

99 H 19 C 11365

000309

KINETIC LUNA, SAFARI V2 XL & ZX AR# 000328 000287 000573

Chassis Number 98 K 13043668 AL 19000012 NIFTB 16323

AR# 000328 000287 000573

Engine Number 98 K 13073055 AL 19001568 NIETB 159911

LML VESPA

MAHINDRA JEEP

KINETIC HONDA & HONDA DX AR# 000330

Chassis Number CI 500 DI 4 DSDS 43315

AR# 000330

Engine Number DS 43315

000331

CL 550 MD 4 FVDV

204583

000331 DV 204583

AR#

Chassis Number

AR#

Engine Number

000490

NIFKA 484511

000490

NIFKA 474102

000565

372283

000565

362438

000448

NIERB 941406

000326

569788 NIECM

000562

NIERF 976613

000424

NIEE 119238

000326

NIF CM 579566

000201

NIEHD 346068

000424

NIFE 119238

000445

NIEKM 471128

000201

NIFHD 355851

000451

NIEMF 628458

000445

NIFKM 481537

000390

NIENE 735601

AR#

Chassis Number

AR#

Engine Number

000451

NIFMF 635696

000544

NIEPX 822280

000303

EYH 4 HA 375631 16823

000303

IC 15386

000390

NIFNE 741438

000448

NIERB 937054

000544

NIFPE 827713

000562

NIERF 972440

000402

NIFSG 097282

000402

NIESG 093152

16

MAHINDRA MAXICAB AR# 000407 000574

Chassis Number MA1 JG 2 FAA 13 J 22317 MA1 JG2 FAY 3 J 21743

AR# 000407 000574

Engine Number S 43356876 S 433051758

MAHINDRA NISSAN

MAHINDRA TRACTOR AR#

Chassis Number

AR#

Engine Number

000333

A 98280

000333

3 SA 26923

17

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

MARUTHI

April 2003

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

SUZUKI 100 R & AX 100

800

AR#

Chassis Number

AR#

Engine Number

AR#

Chassis Number

AR#

Engine Number

000314

357235

000314

499352

000479

1108 F 995803

000479

1108 M 050547

000442

SB 308 IN 1015941

000215

F 8 B 105745

000456

1012 F 283254

000456

1012 M 289579

000299 000215

SB 308 IN 1025487 SS 80 FIN 140108

000442 000299

F 8 BIN 1336939 F 8 BIN 1351167

MARUTHI

ESTEEM

AR#

Chassis Number

AR#

Engine Number

000312

MA 3 EBE 41 S 00 251748

000312

G 13 BIN 619545

MARUTHI

OMNI

AR#

Chassis Number

AR#

Engine Number

000338

956863

000338

922062

000482 000569

ST 91 IN 136639 ST 911 N 394661

000482 000569

F 8 BIN 1254496 F 8 BIN 2014492

MARUTHI ZEN VX AR#

Chassis Number

000305 429110 3 EYE 31 S 00 290303

AR#

Engine Number

000305 000311

419718 000311 MA G 10 BIN 285149 AW

MITSUBISHI LANCER AR#

Chassis Number

AR#

Engine Number

000559

MA 700 CK 2 AXF 104522

000559

3 MLFY 002665

OPEL ASTRA AR#

Chassis Number

AR#

Engine Number

000410

56 V 079528

000410

16 LZ 5010301

18

SUZUKI FIERO AR#

Chassis Number

AR#

Engine Number

000576

M 1109 F 096580

000576

M 1109 M 098063

SUZUKI MAX 100 & MAX 100 DC AR#

Chassis Number

AR#

Engine Number

000356

9011 F 775028

000356

9011 M 826613

000446

9101 F 834115

000446

9101 M 887067

000202

9104 F 908901

000202

9104 M 962250

SUZUKI MAX 100 R AR# 000539 000561 000405 000261 000248 000513 000409 000476 000485 000480 000263 000545 000542

Chassis Number 8007852 1002 F 550108 1006 F 679010 1008 F 721868 1102 F 858005 1105 F 938302 1105 M 970226 1107 F 979223 1107 F 980749 1109 F 008506 1201 F 125617 1201 F 145694 1202 F 165289

AR# 000561 000405 000261 000248 000409 000513 000476 000485 000480 000263 000545 000542 000233 19

Engine Number 1002 M 601225 1006 M 730927 1008 M 774136 1102 M 911029 1105 F 916714 1105 M 992220 1107 M 033778 1107 M 035595 1109 M 063424 1201 M 181115 1201 M 191762 1202 M 220900 1612 M 783113

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

SUZUKI SAMURAI

SUZUKI MAX 100 R (cont’d) AR#

Chassis Number

AR#

Engine Number

AR#

Chassis Number

AR#

Engine Number

000233

1612 F 737196

000293

1704 M 840647

000564

784598

000564

830404

000293

1704 F 794755

000469

1704 M 849464

000271

7003 F 594097

000271

7003 M 645256

000469

1704 F 803686

000436

1802 M 014121

000567

7007 F 687859

000567

7007 M 739640

000436

1802 F 967127

000537

1803 M 030983

000278

7011 F 776237

000278

7011 M 829189

000537

1803 F 9839968

000507

1805 M 081551

000523

7011 F 792686

000516

7101 M 891935

000507

1805 F 034381

000200

1810 M 177717

000516

7101 F 839062

000255

7103 M 939966

000200

1810 F 130113

000362

1810 M 188837

000255

7103 F 886986

000231

7103 M 96358

000362

1810 F 141355

000399

1811 M 217243

000231

7103 F 889958

000256

7309 M 410607

000399

1811 F 169389

000420

1812 M 228847

000256

7309 F 378932

000435

7405 M 461641

000420

1812 F 181246

000228

1901 M 252988

000435

7405 F 422332

000459

7506 M 567176

000228

1901 F 204916

000467

1903 M 321348

000459

7506 F 523762

000266

7508 M 578029

000467

1903 F 273113

000577

1904 F 299412

000266

7508 F 534605

000401

7509 M 598124

000577

1904 M 347866

000478

1907 M 404918

000401

7509 F 554595

000440

7510 M 607448

000478

1907 F 355790

000277

1909 M 465819

000440

7510 F 56326

000437

7512 M 625905

000444

1909 F 419751

000444

1909 M 469357

000437

7512 F 582000

000468

7606 M 701032

000346

1909 F 421139

000346

1909 M 471128

000468

7606 F 657393

000329

7609 M 735528

000246

1909 F 433335

000246

1909 M 483279

000329

7609 F 690377

000236

7610 M 749803

000277

1909 F416078

000375

1910 M 502353

000236

7610 F 704676

000465

7701 M 795758

000375

1910 F 452211

000211

1911 M 528344

000465

7701 F 749799

000310

7705 M 860509

000211

1911 F 478084

000253

584996

000310

7705 D 814776

000217

7801 M 006389

000253

541453

000397

9101 M 886416

000359

7801 F 945788

000398

7801 M 006389

000397

9101 F 833466

000283

9102 M 912047

000217

7801 F 959361

000359

7801 M 992687

000283

9102 F 859034

000258

9103 M 936504

000398

7801 F 959361

000243

7808 M 145293

000258

9103 F 883258

000520

9108 M 052083

000243

7808 F 097878

000229

7811 M 202457

000520

9108 F 997297

000363

9109 M 076685

000229

7811 F 154951

000337

7903 M 316915

000363

9109 F 021549

000539

M 062776

000337

7903 F 268699

000523

M 844882

20

21

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

Vol. 1 Issue 4

AR#

Chassis Number

AR#

Engine Number

000408

600142 GYZP 36615

000408

4751 D 12 GYZP 35745

TATA SUMO AR#

Chassis Number

AR#

Engine Number

000384 000279 000332

385003 ASQ 902836 385003 FRQ 913912 385003 HSQ 937885

000384 000279 000332

483 DL 41 ASQ 707539 483 DL 41 FRQ 737995 483 DL 41 HSQ 796562

TATA TIPPER AR#

Chassis Number

AR#

Engine Number

000317

373 094 HQQ 117769

000317

697 D 21 GQQ 123473

TVS 50 XL Chassis Number A 001 F 295615 A 001 F 305558 A 001 F 309470 A 005 F 394004 A 007 F 428405 A 008 F 439320 A 008 F 450873 A 009 F 461841 A 101 F 5141671 A 104 F 564936 A 104 F 568705 A 108 F 620142 A 112 F 653986 A 202 F 667874

AR# 000515 000510 000334 000274 000335 000508 000530 000504 000547 000511 000517 000415 000522 000550 22

April 2003

TVS 50 XL (cont’d)

TATA INDICA

AR# 000510 000334 000274 000335 000508 000530 000504 000547 000511 000517 000415 000522 000550 000529

THE EVER READY UNIVERSAL GUIDE

Engine Number A 904 M 095892 A 001 M 276165 A 001 M 286067 A 001 M 289992 A 005 M 374886 A 007 M 409269 A 008 M 420172 A 008 M 431021 A 009 M 442604 A 101 M 495346 A 104 M 545597 A 104 M 549360 A 108 M 600528 A 112 M 634227

AR# 000235 000501 000519 000416 000339 000208 000483 000288 000500 000491 000515 000488 000226 000267 000493 000492 000497 000336 000494 000269 000421 000204

Chassis Number A 503 F 056846 A 603 F 300714 A 611 F 496715 A 701 F 539279 A 701 F 550522 A 702 F 571901 A 707 F 699794 A 709 F 727115 A 803 F 871727 A 808 F 970381 A 904 F 114220 A 905 F 148837 A 906 F 168739 A 908 F 197398 A 908 F 203403 A 908 F 203578 A 909 F 2220940 A 909 F 243066 A 9097 F 173173 P 1005 F 276408 P 1107 M 443464 P 1911 F 184352

AR# 000529 000235 000501 000519 000416 000339 000208 000483 000288 000500 000491 000488 000226 000267 000493 000492 000497 000336 000494 000269 000421 000204

Engine Number A 202 M 648165 A 503 M 042034 A 603 M 282866 A 611 M 479613 A 701 M 522365 A 701 M 533324 A 702 M 554971 A 707 M 682017 A 709 M 709243 A 803 M 853746 A 808 M 952197 A 905 M 130427 A 906 M 150501 A 908 M 178533 A 908 M 1844806 A 908 M 184724 A 909 M 203300 A 909 M 224523 A 9097 M 154867 P 1005 M 274228 P 1107 F 448794 P 1911 M 183677

000514

PL 91 ZF 201800

000514

PL 91 ZM 200855

TVS CHAMP AR#

Chassis Number

AR#

Engine Number

000306

D 310 F 816270

000306

D 310 M 808204

000180

D 812 F 037274

000180

D 812 M 019025

23

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

TVS SPORTS

TVS CHAMP (Contd.) AR#

Chassis Number

AR#

Engine Number

AR#

Chassis Number

AR#

Engine Number

000183

D 805 F 05724

000183

D 805 M 87701

000282

J 1011 F 353368

000282

P 1011 M 348699

000203

D 607 F 413935

000203

D 607 M396586

000207

D 802 F 847114

000207

D 802 M 82879

000209

D 009 F 471995

000209

D 009 M 452544

000212

D 001 F 294375

000212

D 001 M 274970

000351

D 101 F 524941

000351

D 101 NM 505509

000391

D 904 F 111121

000391

D 904 M 092833

000422

D 307 F 779650

000422

D 307 M 774864

000466

D 602 F 297289

000466

D 602 M 279966

000477

D 107 F 607929

000477

D 107 M 588472

000486

DOIOF 480498

000486

DOIOM 461249

000496

D 903 F 091409

000496

D 903 M 073122

000498

D 902 F 076951

000498

D 902 M 058804

000512

D 912 F 283844

000512

D 912 M 264604

000535

D 704 F 620681

000535

D 704 M 603855

000546

D 708 F 714794

000546

D 708 M 696022

000551

D 708 F 706562

000551

D 707 M 684128

000558

D 608 M 417027

000558

D 608 F 434210

000571

D 507 F 134955

000571

D 507 M 118150

TVS SCOOTY AR#

Chassis Number

AR#

Engine Number

000184

16 CBFA 89683

000184

16 EBFA 91318

000534 000182

K 01 JF 633144 K 95 FF 023387

000534 000182

K 01 JM 624797 K 95 FM 024143

000185

K 98 CF 171638

000185

K 98 CM 173248

24

TVS XL SUPER AR# 000538 000348 000505 000340 000506 000223 000413 000298 000475 000521 000254 000527 000525 000393 000524 000343 000259 000388 000526 000276 000383 000555 000341

Chassis Number A 203 F 689013 P 1007 F 297940 P 1008 F 313824 P 1009 F 326954 P 1101 F 376584 P 1103 F 420285 P 1104 F 425591 P 1105 F 434886 P 1105 M 428937 P 1109 F 482984 P 1109 F 483918 P 111 F 515800 P 1111 F 509658 P 1201 F 523981 P 1202 F 551998 P 1809 F 055654 P 1907 F 144087 P 1907 F 144087 P 1911 F 193405 P 3103 F 423799 P 3109 F 480294 P 3201 F 527150 P1006 F 288804

AR# 000538 000341 000348 000505 000340 000254 000506 000223 000276 000413 000475 000298 000383 000521 000525 000527 000393 000555 000524 000343 000259 000388 000526

Engine Number A 203 M 669332 P 1006 M 286294 P 1007 M 295445 P 1008 M 311127 P 1009 M 323902 P 109 M 477955 P 1101 M 372081 P 1103 M 415167 P 1103 M 418527 P 1104 M 420368 P 1105 F 434282 P 1105 M 429563 P 1109 M 474720 P 1109 M 477034 P 1111 M 501097 P 1112 M 507597 P 1201 M 515776 P 1201 M 518755 P 1202 M 543617 P 1809 M 055629 P 1907 M 143564 P 1907 M 143594 P 1911 M 192511

000242

P1812 F 081047

000242

P1812 M 080935

25

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

Vol. 1 Issue 4

Chassis Number

AR#

Engine Number

000575

01 KSJM 020363

000575

5 JM 020363

YAMAHA RX 100 AR# 000474 000232 000230 000262 000454 000419 000458 000197 000531 000460 000323 000294 000470 000315 000543 000443 000461

Chassis Number 94 J ILI 458438 94 K ILI 462856 95 D ILI 507833 96 F IL5 007626 98 B IL3 015919 ILI 003709 ILI 022897 ILI 057653 ILI 139237 ILI 162268 ILI 192771 ILI 218177 ILI 266627 ILI 295846 ILI 354798 ILI 417510 C 94 KI 157815

AR# 000262 000454 000419 000458 000197 000531 000460 000323 000294 000470 000315 000543 000443 000474 000232 000230 000461

Engine Number IL5 007626 IL5 15919 ILI 003709 ILI 022897 ILI 057653 ILI 139237 ILI 162268 ILI 192771 ILI 218177 ILI 266627 ILI 295846 ILI 354798 ILI 417510 ILI 458438 ILI 462856 ILI 507833 KI 157815

YAMAHA RX 135 AR#

Chassis Number

AR#

Engine Number

000216

00 A IL5 296437

000307

IL5 268602

000302

00 C IL5 316462

000566

01 HATL 510299

000225

00 C IL5 316517

000374

IL5 150123

000570 000240

00 J IL7 014609 00A IL5 288897

000237 000260

IL5 168176 IL5 179847

26

April 2003

AR# 000566 000374 000260 000450 000379 000234 000499 000357 000307 000245 000237

YAMAHA RX 135 (cont’d) Chassis Number AR# 4 TL 510299 000450 98 B IL5 150123 000379 98 G IL5 179847 000234 98 K IL5 202520 000499 99 B IL5 217570 000357 99 C IL5 221758 000245 99 G IL5 259909 000240 99 G IL5 263238 000216 99 J IL5 268602 000302 99 K IL5 274082 000225 C 98 D IL5 168176 000570

Engine Number IL5 202520 IL5 217570 IL5 221758 IL5 259909 IL5 263238 IL5 274082 IL5 288897 IL5 296437 IL5 316462 IL5 316517 IL7 01 014609

AR# 000224 000247 000417 000436

YAMAHA RXG Chassis Number AR# 97 B 115077723 000224 95J 1L2 000007 000247 98 B IL3 015315 000417 96 K IL5 044642 000436

Engine Number IL5 077723 IL2 000007 IL3 015315 IL5 044642

YAMAHA CRUX R AR#

THE EVER READY UNIVERSAL GUIDE

ClaimsInvestigatorsAssociationofIndia NEW OFFICE BEARERS OF CLAIMS INVESTIGATRORS ASSOCIATION OF INDIA The Annual General Body Meeting of the Association was held on 22nd March 2003 at Woodland Drive-In and the New set of office Bearers were elected. P. Ananthan as President, Mr K venkatramani as General Secretary, Mr. K.V. Parameswaranas Joint Secretary and Mr S Swaminathan as treasurer. The new executive comittee of the Association was also elected and the new incumbant is Mr. Padmanabhan in Place of Mr Sundaravaradhan. Threee advisory committees have also been formed to handle cases pertaining to Mediclaim, third party and other miscellaneous. Investigators all over India are welcome to join and strengthen the Association. For more information contact : Mr. P. Ananthan - email ID - [email protected] 27

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

Cont’d from Page 6 3.1 Corrective steps: The path of the normalization process sometimes may pose difficulties to the mediator and occasionally may boomerang on him/her. This is where the mediator should work tirelessly and bring in all the parties together. After doing all the hard work, if he/she fails to translate the results into practical solution, then the whole situation may go haywire and there is a danger of relapse and that too irrevocably.

April 2003

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

April 2003

Investigating Vehicles Theft Claims (continued) In the previous issue we have seen how even a minor detail such as the date of endorsement in the RC book provided a clue to the actual state of affairs in an accident claim. Simply by writing down all pertinent information in chronological order we can be clear about our next course of action. Fraudulent claim present such scope for investigation, the report would make very interesting reading. But presenting a report on genuine claims would be a routine affair.

3.2 Who are all responsible for the reconciliation? More often than not the parties to the situation throw this question onto the face of mediators. If the question is reframed it will answer itself. How to go about the reconciliation process? This is where the documentation and logical analysis helps. It fixes the responsibilities and all parties must acknowledge their own share in the making of the chaotic situations and get done with it.

THE EVER READY UNIVERSAL GUIDE

READY RECKONER SECTION II

Approach: Investigators should approach the case on hand with an absolutely open mind. One should keep all options open till they are either substantiated or ruled out conclusively. Sometimes the Insurers’ claims officer may air his views at the time of handing over the papers. That is his prerogative. The investigator must make a note of that for future reference; but refrain from forming preconceived notions about either the claim or the Insured.

4 Epilogue: After all the efforts put in the reconciliation process, it would be suicidal if we allow similar situations to develop again. From past experience we have learnt to avoid certain stray and unwarranted remarks. Let us discipline ourselves into unity of thinking and all will be well. The cost of peace is priceless. Every one of us has a duty to perform. Let us get on with it with a free mind.

General rule to be followed while querying an Insured: -

LIST ACCORDING TO AR # IN ASCENDING ORDER SHOWING CORRESPONDING DETAILS OF INSURERS, CLAIM REFERENCE, POLICE CODE/PIN AND CRIME NUMBER

The Insured is an important client of the Insurers. He/she may or may not be 28

29

Vol. 1 Issue 4

AR # 000180 000181 000182 000183 000184 000185 000186 000187 000188 000189 000190 000191 000192 000193 000194 000195 000196 000197 000198 000199 000200 000201 000202 000203 000204 000205 000206 000207 000208 000209 000210 000211

THE EVER READY UNIVERSAL GUIDE

INSURERS UI-011400 UI-010905 UI-010504 UI-011400 UI-011402 UI-010300 UI-011400 UI-011200 UI-011402 UI-010303 UI-010804 UI-010801 UI-010905 UI-010305 UI-010300 UI-010804 UI-010802 UI-010804 UI-011400 UI-010602 UI-011401 UI-010303 UI-010305 UI-011400 UI-011400 UI-010804 UI-011400 UI-011400 UI-011400 UI-010804 UI-010905 UI-010804

CLAIM # 10542/99 632/2000 289/99 10226/99 4301 20058/2000 17/2000 3275/98 254/98

18/00 1147/00 305/01 31864/01 5090 582/99 134/2001 20025/2000 20276/2000 1222/00 20399/2000 20879/2000 31076 00114/01

30

April 2003

PS CODE K8

PS PIN

G1 G1 R1 E4 J1 K3 R1 E5 C1 J2 E3 V1 C3 N3 D5 R8 J2 D1 G3 G5 K4 R8 B4 E3 R1 E2 D3 G1 V5 V3

600007 600007

600005 600026 600020 600056 600010 600010 600040 600083 600044 600018 600017 600014 600005 600007 600101 600050

Cr # 42/2000 35/2000 2148/99 972/99 39/2000 1564/99 723/2000 402/2000 41/99 1757/98 3772/97 206/2000 550/2000 483/2000 665/2000 138/2000 1/2002 11/2002 1049/01 791/01 549/00 300/00 1114/01 803/00 394/00 1220/00 446/00 408/01 353/01 1260/01 920/2001 781/01

Vol. 1 Issue 4

AR # 000212 000213 000214 000215 000216 000217 000218 000219 000220 000221 000222 000223 000224 000225 000226 000227 000228 000229 000230 000231 000232 000233 000234 000235 000236 000237 000238 000239 000240 000241 000242 000243

THE EVER READY UNIVERSAL GUIDE

INSURERS UI-011401 UI-10303 UI-010804 NAT-500500 UI-010804 UI-010300 UI-010303 UI-010502 UI-010905 UI-011401 NIA-710904 UI-011400 UI-011400 UI-010303 UI-011305 UI-010804 UI-011400 UI-010905 UI-010303 UI-010300 UI-010701 UI-010303 UI-010305 UI-011401 UI-010303 UI-010804 UI-011401 UI-010502 UI-010804 UI-010804 UI-010905 UI-011400

CLAIM #

PS CODE V2 E3 G1 V5 E6 XY G3 C1 E1 E1 B1 D9 E3 D9 B6 G2 C2 E1 C6 E1 V4 R1 E3 R2 G1 G1 E4 D9 G1 D3 D4 R1

113/2001

179/01 624/2000 04/01

31676 31743/01

00351/01 31789/01 00208/01

00210/01 05679/01 592/2000 4687/01 02640/00

30054/01 31

April 2003

PS PIN 600093 600018 600007 600101 601203 600010 600003 600004 600004 600016 600005 600018 600005 600045 600003 600079 600004 600064 600053 600099 600017 600018 600024 600007 600007 600102 600005 600005 600087 600017

Cr # 810/01 1082/01 1874/01 571/01 512/01 679/01 1708/00 946/01 1786/01 1853/01 755/01 303/01 1569/01 257/01 955/01 2394/01 1219/01 2258/01 647/01 882/01 2002/01 1245/01 1044/01 1613/01 1906/00 64/01 202/01 80/01 81/01 264/01 484/01 536/01

Vol. 1 Issue 4

AR # 000244 000245 000246 000247 000248 000249 000250 000251 000252 000253 000254 000255 000256 000257 000258 000259 000260 000261 000262 000263 000264 000265 000266 000267 000268 000269 000270 000271 000272 000273 000274 000275

THE EVER READY UNIVERSAL GUIDE

INSURERS UI-010303 UI-010804 UI-011400 UI-010801 UI-011400 UI-010303 UI-010100 UI-010804 UI-011200 NIA712003 UI-011401 UI-011401 UI-010502 UI-010504 UI-010303 UI-010303 UI-010801 UI-010305 UI-010900 UI-010900 NIA-610300 NIA-610300 NIA-610300 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700

CLAIM #

PS CODE B4 C5 R3 D3 D4 D9 R4 G1 K4 ZYX R6 E3 R4 R1 R3 D2 B6 E3 J2 C9 II(T) CHI NULL MRP CCS CCS CCS CCS RNG CCS CCS CCS

31272/01 567/00

05702/01 05706/01 139/01 0318/01 0229/01 260/01 14813/01 14808/01 00033/00 00035/00 00042/00 00043/01 00047/01 00092/01 00133/01 00141/01 00167/01 00537/02 00541/02 00559/02 32

April 2003

PS PIN 600044 600001 600083 600005 600087 600005 600017 600007 600040 603001 600083 600018 600017 600017 600083 600116 600045 600080 600020 600041 508001 500020 517502 517502 517502 517502 517502 517502 517502 517502

Cr # 237/01 192/01 659/01 392/01 780/01 182/00 1106/01 1216/01 378/01 157/02 1835/01 101/02 88/02 1267/01 506/01 37/02 598/01 186/02 75/02 59/00 210/00 499/00 98/00 306/00 510/00 545/00 20/01 129/00 180/01 505/00 252/01

Vol. 1 Issue 4

AR # 000276 000277 000278 000279 000280 000281 000282 000283 000284 000285 000286 000287 000288 000289 000290 000291 000292 000293 000294 000295 000297 000298 000299 000300 000301 000302 000303 000304 000305 000306 000307 000308

THE EVER READY UNIVERSAL GUIDE

INSURERS NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIC-501502 NIC-501502 NIC-501502 NIC-501502 NIC-501502 NIC-501502 NIC-501502 NIC-501502 NIC-501502 NIC-501502 NIC-501502 UI-010804 UI-011400 UI-010303 UI-010801 UI-010804 UI-010804 UI-012406 NIC-603800 NIC-603800 NIC-603804 NIC-603800 NIC-603800

CLAIM # 00582/02 00606/02 00660/02 00679/02 00696/02 00697/02 00038/02 00079/02 00106/02

PS CODE CCS CCS CCS CCS CCS CCS KPM KPM ECS LWP D2 MLY GMD GB DNG ODN GB GB RDP BVN R5 R1 VLR G2 D2 C3 G9 NULL KML KDR MLP MNP

250/00 110/00 215/00

204/00

471/01 32005/01 111/01 253/01 481/01 485/01 094/00 6301687/00 6101837/00 6200068/01 6202067/01 6202276/01 33

April 2003

PS PIN 517502 517502 517502 517502 517502 517502

605008 600002 605004 605006 605001 605006 605001 605001 605001 605010 638301 600094 600017 632001 600010 600002 600001 603301

Cr # 275/01 84/00 422/01 388/01 364/01 490/01 60/01 145/01 43/01 110/00 1896/00 28/00 224/00 217/00 54/00 24/01 194/00 335/00 153/99 539/00 144/02 365/02 238/01 210/02 248/02 85/02 283/00

576101 577101 576101 576101

20/01 172/01 59/01 179/01

Vol. 1 Issue 4

AR # 000309 000310 000311 000312 000313 000314 000315 000316 000317 000318 000319 000320 000321 000322 000323 000324 000325 000326 000327 000328 000329 000330 000331 000332 000333 000334 000335 000336 000337 000338 000339

THE EVER READY UNIVERSAL GUIDE

INSURERS NIC-603804 NIC-603804 NIC-603800 NIC-602000 NIC-602000 NIC-602000 NIC-602500 NIC-602500 NIC-602500 NIC-602506 NIC-602505 NIC602504 NIC-602504 NIC-602501 NIC-602501 NIC-602501 NIC-602501 NIC-602501 NIC-602508 NIC-602506 NIC-602506 NIC-602404 NIC-602404 NIC-602404 NIC-602404 NIC-602401 NIC-602401 NIC-602401 NIC-602401 NIC-602401 NIC-602401

CLAIM # 6200063/01 6200109/01 5102418/01 00/61/04 01/61/287 98/61/40 00/62/6 01/61/3 00/63/21 01/62/78 01/62/22 00/62/128 00/62/190 00076/00 00190/00 00227/00 00037/01 00245/01 4/01 62/42/00 62/92/01 61/45/99 61/102/99 61/11/01 63/24/01 62/02/00 62/44/00 62/49/00 62/50/00 61/12/00 62/103/00

PS CODE MAD CKM NULL KRM BSN CBP KWP BTG BDV VIG GDG MM ANK VDN HUB HUB HUB NULL HVR APMC KSP MDK MDK PNP A 99 HLG MND W MND E TMK MND W 34

April 2003

PS PIN 560068 577101

Cr # 795/01

560095 560004

176/00 510/01 420/98 63/00 21/01 163/00 58/01 76/01 99/00 15/01 95/00 26/01 16/01 75/01 4/02 75/01 49/00 53/01 143/99 197/99 35/01 91/01 67/00 90/00 146/00 105/00 36/00 276/00

580032 580032 580020 580020 581110

571201 571201 571401 571421 571401 571401 572101 571401

Vol. 1 Issue 4

AR # 000340 000341 000342 000343 000344 000346 000347 000348 000349 000350 000351 000352 000353 000354 000355 000356 000357 000358 000359 000360 000361 000362 000363 000366 000367 000369 000370 000371 000372 000373 000374

THE EVER READY UNIVERSAL GUIDE

INSURERS NIC-602401 NIC-602401 NIC-602401 NIC-602401 UI-012001 UI-010804 UI-010300 UI-010305 UI-010502 NIC-604000 UI-010300 NIC-604001 NIC-604001 NIC-604001 NIC-604001 UI-010300 UI-010300 UI-010300 UI-010300 UI-010300 NIC-604002 UI-010300 UI-010300 NIC-604002 NIC-604002 NIC-604002 NIC-604003 NIC-604003 NIC-604003 UI-011401 UI-012600

CLAIM # 62/140/01 62/10/01 62/47/01 62/91/01 1392 284/01

PS CODE MLV MND W MND W NULL F1 E4 F2 E1 F2 GL E1

00022/01

April 2003

PS PIN 571401 571401 600054 602102 600008 600053 600008 585102 600053

22-Jan 49/01 28-Jan 77/00 F2 G3 R1 G1 KRT K2 F3 RCH KRT

044/00

021/01 029/01 056/01 009/00 066/00 072/00

F3 D3 35

600008 600010 632014 600017 600007 600023 600072 584101

Cr # 15/01 74/01 119/01 227/01 67/02 818/01 277/02 90/02 129/02 198/01 760/01 135/01

1749/01 1682/01 170/01 844/01 2190/01 184/00 1359/01 617/01 77/01 197/012

600072 600005

615/01 539/02

Vol. 1 Issue 4

AR # 000375 000376 000377 000378 000379 000380 000383 000384 000385 000387 000388 000389 000390 000391 000392 000393 000394 000395 000396 000397 000398 000399 000400 000401 000402 000403 000404 000405 000406 000407 000408 000409

THE EVER READY UNIVERSAL GUIDE

INSURERS UI-010905 UI-010303 UI-010300 UI-010303 UI-010804 UI-011400 UI-10502 UI-011305 UI-010804 UI-010303 UI-010303 UI-010305 UI-010801 UI-010300 UI-010300 UI-010300 UI-010300 UI-010300 UI-010300 UI-010300 UI-010300 UI-010300 UI-010300 UI-010300 UI-010300 UI-010804 UI-010504 UI-010300 UI-010804 UI-010300 UI-010300 UI-010701

CLAIM # 865/01

PS CODE R3 C2 J3 C3 E3 V2 B1 B4 J2 B5 D2 J2 C1 K1 NULL E4 R3 D9 G1 F6

297/01 73/02 00244/02

196/02 104/02 229/01 044/02

J1 R7 D2 G3 R7 F1 G1 C2 J3 J3 H9

159/02 205/02

36

April 2003

PS PIN 600083 600114 600032 600001 600092 600016 600044 600020 600075 600116 600020 600001 600023 606601 600083 600004 600007 600062 603109 600015 600078 600116 600010 600078 600002 600007 600079 600032 600032 600068

Cr # 401/02 63/02 81/02 170/02 1048/02 433/02 306/02 965/02 662/02 506/01 648/02 262/02 14-Feb 406/02 494/02 1216/02 360/01 268/02 004/02 679/01 1337/01 1366/01 542/01 2089/00 1408/02 171/02 1595/02 205/02 1036/02 1137/02 392/02

Vol. 1 Issue 4

AR # 000410 000411 000412 000413 000414 000415 000416 000417 000418 000419 000420 000421 000422 000423 000424 000425 000434 000435 000436 000436 000437 000438 000439 000440 000441 000442 000443 000444 000445 000446 000447 000448

THE EVER READY UNIVERSAL GUIDE

INSURERS NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO

CLAIM # 104/00 136/00 18/01 59/01 63/01 94/01 104/01 122/01 151/01 045/99 91/99 187/01 188/01 95/99 96/99 134/99 20/99 38/99 85/99 143/99 86/99 115/99 116/99 137/99 144/99 088/00 152/00 190/00 099/01 309/01 119/02 125/02

PS CODE

April 2003

PS PIN

E8

R1 J6 E3 R1 B1 G2 D1 G3 D9 G3 G1 G2 G1 K6 F2 C8 N1 F2 37

600017 600016 600053 600005 600010 600005 600010 600007 600003 600060 600008 600045 600013 600008

Cr # 6/01 43/01 164/01 177/01 267/01 266/01 435/01 54/01 331/01 159/99 91/99 108/02 172/01 1027/99 917/99 2353/99 453/99 450/99 456/99 425/99 1676/99 43/00 58/99 367/00 644/00 2345/00 43/01 186/01 1511/00 173/02 512/02 1088/02

Vol. 1 Issue 4

AR # 000449 000450 000451 000452 000453 000454 000455 000456 000457 000458 000459 000460 000461 000462 000463 000464 000465 000466 000467 000468 000469 000470 000471 000472 000473 000474 000475 000476 000477 000478 000479 000480

THE EVER READY UNIVERSAL GUIDE

INSURERS NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO

CLAIM # 140/01 110/01 199/01 221/01 234/01 228/01 02/02 726/02 172/99 183/99 186/99 201/99 205/99 214/99 04/00 14/00 28/00 65/00 108/00 125/00 128/00 172/00 201/00 104/01 108/01 128/01 137/01 143/01 160/01 178/01 193/01 199/01 38

April 2003

PS CODE G1 R1 G5 F3 P6 T9

PS PIN 600007 600017 600010 600034 600118 600005

C2 R1 F4 D1 E5 E5 R5 K9 D4 D3 V2 J2 V2 G3 R3 G1 D1 K2 E1 D4 R8 D4 C8 J1 K10

600114

Cr # 1893/01 826/01 5699/01 216/02 156/02 102/02 17/02 375/01 1778/99 954/99 1897/99 52/00 44/00 213/00 761/00 149/00 217/00 810/00 786/00 1879/00 2090/00 113/01 385/01 2013/01 852/01 1589/01 941/01 888/01 1014/01 638/01 1799/01 2034/01

Vol. 1 Issue 4

AR # 000481 000482 000483 000484 000485 000486 000487 000488 000489 000490 000491 000492 000493 000494 000495 000496 000497 000498 000499 000500 000501 000504 000505 000506 000507 000508 000510 000511 000512 000513 000514

THE EVER READY UNIVERSAL GUIDE

INSURERS NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO

CLAIM # 205/01 01/202 00/348 239/01 243/01 02/133 01/278 01/302 02/0201087 01/21 99-00/039 99-00/050 99-00/071 99-00/075 249/01 99-00/091 99-00/099 99-00/102 274/01 00-01/075 00-01/091 00-01/104 00-01/115 00-01/128 291/01 00-01/174 00-01/181 00-01/188 292/01 00-01/243 00-01/245

PS CODE G1

F3 F2

R1

V5

E4

R1

39

April 2003

PS PIN

Cr # 2488/01 314/01 16/01 1416/01 806/01 424/02 50/02 59/02 147/02 100/01 313/99 490/99 191/99 592/99 51/02 771/99 140/00 60/00 1156/01 1153/00 950/00 19/01 87/01 190/01 80/02 545/01 708/01 250/01 276/02 616/01 1244/01

Vol. 1 Issue 4

AR # 000515 000516 000517 000518 000519 000520 000521 000522 000523 000524 000525 000526 000527 000528 000529 000530 000531 000533 000534 000535 000536 000537 000538 000539 000540 000541 000542 000543 000544 000545 000546

THE EVER READY UNIVERSAL GUIDE

INSURERS NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO

CLAIM # 00-01/249 313/01 00-01/271 319/01 00-01/285 237/01 015/02 02-03/004 026/02 040/02 02-03/051 02-03/038 02-03/066 044/02 02-03/083 02-02/0096 31/00 99/18 058/02 99/37 99/70 99/113 073/02 115/02 99/165 99/183 143/02 99/50 01/14 179/02 01/89

PS CODE

April 2003

PS PIN

E4

Cr # 870/01 135/02 81/02

D4 E4 D6 R8 C2

E4

K3 F4 R1 V2 K10 F3 D1 K3 R1 R1 R3 R4 K4 40

600029 600017 600092 600107

600029 600017 600083 632007 600040

1213/01 963/01 52/02 127/02 681/02 82/02 398/02 62/02 278/02 848/02 332/02 203/02 243/00 482/99 196/02 500/99 457/97 1064/99 914/02 1905/02 1016/99 37/00 1303/02 523/99 16/01 1618/02 726/01

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

PS CODE G3 F4

April 2003

AR # 000547 000548 000549 000550 000551 000552 000553 000554 000555 000556 000557

INSURERS NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO NIC-CNRO

CLAIM # 01/114 01/153 01/183 182/02 01/344 01/193 187/02 02/55 192/02 02/168 02/169

PS PIN 600005 600052 600032

000558 000559 000560 000561 000562 000563 000564 000565

UI-010300 NIC-500400 NIC-500400 NIC-500400 NIC-500400 NIC-500400 NIC-500400 NIC-500400

116/02 120/00 484/00 290/01 302/01 305/01 321/01 333/01

H1 F2 F1 D2 E4 R4 G3 C2

1207/02 458/00 71/01 1642/01 440/01 1220/01 1836/01 821/01

000566 000567 000568 000569 000570 000571 000572 000573 000574 000575 000576

NIC-500400 NIC-500400 NIC-500400 NIC-500400 NIC-500400 NIC-500400 NIC-500400 NIC-500400 NIC-500400 NIC-500400 NIA-710500

416/01 422/01 552/01 612/01 639/01 201016/02 1080/02 201161/02 301192/02 201457/02

V2 D2 D4 K4 J1 E2 V2

1006/01 2088/01 863/01 29/02 278/02 1781/01 814/02 133/02 203/02 379/02 824/02

J2 J2 C8 K8 D4 F2 K6

B4 C9 J4 41

600020 600106 600008

Cr # 1352/01 837/01 1183/01 1259/02 281/02 2050/00 562/02 665/02 411/02 1154/02 1075/02

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

(Cont’d from Page 28) directly responsible for misrepresentations made in the claim. So handling an Insured is to be done with care. A lot of tact and presence of mind is required while facing the Insured. The position of the Insured or his social status should not come in the way of making an assessment. Allowance must be given for ignorance on the part of the Insured about insurance matters. By patiently and politely explaining the situation to the Insured the Investigator achieves two things. One is that the Insured start trusting him and the second thing is that the Investigator himself will have time to size up the Insured. In many cases it was proved that the Insured was misguided by so called experts in Insurance matters.

April 2003

THE EVER READY UNIVERSAL GUIDE

April 2003

witnesses are to be done in presence of one or two unconnected persons. Detailed enquiries with the Police: -

While verifying the documents like FIR with the concerned Police station, the investigator should meet the investigating officer (as detailed in the FIR) and get his view on the case on hand. A FIR is First Information Report only. After investigating the case, the Police prepare the final investigation report and submit it to the authorities concerned. Sometimes it may not be possible for the Police to trace the vehicle, in which case, they send an Rc notice to the complainant that the vehicle is undetectable due to various reasons. The Insurers accept this and treat it as a Non Traceable Certificate for the purpose of accepting First and foremost point to be liability. ascertained is that whether the Insured has FIR and the Rc notice are standard been guided by his own views or guided by forms and have serial numbers. These serial a third person. Once that is done, the investigator can use methods suitable to the numbers should not be confused with the occasion. Only when the Insured is not Crime number or ‘Rc’ number. Similarly cooperating, the Investigator needs to take while issuing the Rc Notice the Police give tough postures. Otherwise in majority of a separate number and the investigator must cases, where outsiders have misguided the ascertain this number directly from the Insured, gentle persuasion would bring out Police station concerned to complete the documentation. the truth from the Insured himself. Like Surveyors, Investigators also are important link between the Insured and Insurers. At no time they should give room for complaints. Wherever possible, obtaining statements from the Insured and/or

Vol. 1 Issue 4

Spot of occurrence: -

THE EVER READY UNIVERSAL GUIDE

READY RECKONER SECTION III

DETAILS OF RECOVERED VEHICLES

AS RECEIVED FROM POLICE/INSURERS

Verifying the Insured statement to the Police as to the spot of occurrence is the most important aspect in investigating a theft claim. The Investigator must ascertain from 42

43

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

Engine # HEROHONDA 98 B 17 E 03548 00 G 18 E 16708 00 C 17 E 00724 94 F 17 E 00658 99 H 17 M 02792

Chassis # SPLENDOR 98 B 19 F 0350 00 G 20 F 169912 00 C 19 F 00829 94 F 17 F 00608 99 E 17 F 01422

MAHINDRA DF 14821191

BOLERO 12 B 66452

MAHINDRA DW 43376

Crime #

April 2003

Police Station

City

State

C2 ELEPHANT GATE C2 ELEPHANT GATE C2 ELEPHANT GATE C2 ELEPHANT GATE C2 ELEPHANT GATE

CHENNAI CHENNAI CHENNAI CHENNAI CHENNAI

TAMILNADU TAMILNADU TAMILNADU TAMILNADU TAMILNADU

305/02

KASABA

CALICUT

KERALA

ARMADA 2 MW DW 43376

305/02

KASABA

CALICUT

KERALA

MARUTHI F 8 B IN 1601747 F 8 B IN 1667487

800 SB 308 IN 2121619 SB 308 IN 1220139

95/00 437/01

PANNIYANKARA KASABA

CALICUT CALICUT

KERALA KERALA

MARUTHI F 10 A IN 178147

ESTEEM MA 3 EBD 21500 130428

305/02

KASABA

CALICUT

KERALA

MARUTHI IN 162360

OMNI 728693

214/02

KASABA

CALICUT

KERALA

MARUTHI G 10 B IN 258330 G 10 B IN 368910 G 10 BIN 336629 G 10 B IN 167102

ZEN MA 3 EYE 31500 263247 MA 3 EYE 31500 375714 MA 3 EYE 31500 342818 MA 3 EYD 32500 608994

103/00 99/01 266/02 266/02

PANNIYANKARA KASABA KASABA KASABA

CALICUT CALICUT CALICUT CALICUT

KERALA KERALA KERALA KERALA

SUZUKI 1812 M 223665

MAX 100 1812 F 176052

D9

CHENNAI

TAMILNADU

TATA INDICA AZZP 05465

6001 31 AZZP 05742

266/02

KASABA

CALICUT

KERALA

TATA SIERRA 483 DL 41578199

37700 3960224

214/02

KASABA

CALICUT

KERALA

TATA SUMO LTQ 830928 KSQ 816020 HRQ 754431 JUQ 780701 MYZ 724860 KYZ 722393

385003 LTQ 942761 385013 LSQ 947674 385013 HRQ 919947 385003 JUQ 920974 418201 MYZ 921603 418201 KYZ 919089

120/99 313/00 87/01 126/02 303/02 305/02

KASABA KASABA KASABA KASABA KASABA KASABA

CALICUT CALICUT CALICUT CALICUT CALICUT CALICUT

KERALA KERALA KERALA KERALA KERALA KERALA

YAMAHA IL3 015919

98 B IL3 015919

D9

CHENNAI

TAMILNADU

44

Vol. 1 Issue 4

THE EVER READY UNIVERSAL GUIDE

(Cont’d from Page 42) the Insured (preferably in writing) the reason for the presence of the vehicle at the reported spot at the reported time of theft. It may be professional or private reasons. In either case counter checking with concerned persons is to be done without fail. Sometimes it may so happen that the Insured was waylaid and the vehicle taken from him forcibly in an isolated locality. In such cases traversing the distance the same way as the Insured and checking the time factors with the distances would help in ascertaining the correctness of the Insured statement.

April 2003

payment of dues in time, the Investigator should make sure that the documents have been submitted by the Insured him/her self. If the submission is made through the financiers, the Investigator should check and confirm the Insured’s signature is in order. Making enquiries with RTO: The verification with RTO is essential for verifying whether any duplicate RC has been issued and whether the vehicle is in the name of the Insured, or not, at the time of reported occurrence of theft. Normally a requisition (format given at the end of this article) is given with non-judicial stamp (value vary with every state) affixed. The RTO verify the details and make a certification.

It would be a good idea to take photographs of the spot with any land marks like nearest milestone landscape etc. In high value claims, it is essential to be much more careful in gathering all relevant information, put them in order and study them. Some minor information may prove to be the most vital in determining the genuineness of the claim.

Importance of keeping Insurers informed: In cases where the investigation is prolonged beyond control of the Investigator, he/she must inform the Insurers in writing then and there. The claim officer at the desk handling claims is in an unenviable position of answering queries from irate clients. He/she must be aware of that the Investigator is on the job.

Making out a draft report and sleep on it for a couple of days sometime would help in making sure of our findings before submitting to the Insurers. Making enquiries with the Financiers: In cases where financier’s interest is involved, the Investigator must approach the financier/s and find out from them the status of loan and whether they have seized the vehicle or not. If there is a case of non

Preparing a report: The Purpose of an Investigation report is to give the Insurers valid grounds for either accepting their liability or 45

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THE EVER READY UNIVERSAL GUIDE

repudiating the claim. The Investigator should not take anything for granted. His report must be legible and clear to anybody reading it. Each and every point of the Investigation must be presented in no uncertain terms. There should not be any ambiguity. The report format given at the end of this article was prepared and circulated by Chennai RO of ‘The Oriental Insurance Company’, which is quite comprehensive. Standardizing the reports in this format will go a long way in streamlining investigative procedures.

April 2003

lengthy when the Investigator have to explain the method of investigation, places visited, persons met etc. It is always preferable to highlight the findings short & sweet for the Insurers to get the result in one glance. Enclosures: It would be a good practice to retain copies of statements and other relevant documents for future reference. Sometime it may prove crucial in establishing correctness of our report. In the report itself list out the enclosures, so that your have a record of what you have enclosed with your report. After submitting the report obtain acknowledgement for your records.

Highlighting the findings: Time is valuable for everybody. The report must be precise and to the point. Sometimes even the presentation becomes

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CASE HISTORY 3 Close Proximity PA Claim Four brothers running a company dealing in leather goods have been taking a Personal Accident Policy with a Branch of Insurance Company in Chittoor. They have tanneries in a village near Chittoor (AP), another in a village near Pernambut (TN). When the Policy came up for renewal, the development officer went to the Insured, brought a cheque for the premium amount and deposited in the office. When typing out the policy, the underwriting officer noticed that the premium cheque is for three persons only and the fourth person is not covered. He immediately informed the development officer. The development officer rushed to the Insured explained the situation and took cash for the balance premium. That is on a Friday afternoon. Due to the mistake in computing the premium amount while obtaining the cheque, the policy of the person left out could be renewed after a break of three days. Unfortunately, the person died in an accident on Saturday afternoon while proceeding to Chennai. This is a typical close proximity claim. The wife of the Insured preferred the claim with the Insurers for compensation. The claim papers were handed over to two investigators for verification and report. Unfortunately, the reports were inconclusive and the Insurers were not able to take a decision on the claim as to whether accept liability or not. The matter was referred to the HO of the Insurers. When the papers

April 2003

were received at the HO, about one and a half years have elapsed from the date of accident. The claim papers were handed over to the Investigator for verification and report. While handing over the claim papers, the Insurers gave a free hand to the Investigator to go deep into the Branch Office records. All they wanted is a clear evidence to decide the liability. The Investigation was taken up immediately. The first thing the investigator did was to do some homework studying the papers on hand. The documents were put in order and details noted. Cash Receipt, Miscellaneous Acceptance Advice, and Reminder for renewal, Claim Intimation Letter, Divisional Office Letter dt.24.7.89, The FIR, Post Mortem Certificate, Legal Heirship Certificate, T.A. Bill, and the Certificate of Insurance (of the car in which the Insured was traveling at the time of accident) issued by a different insurance company were in the claim papers. All the documents were sequentially in order. To prove conclusively that the accident occurred only after the inception of the Policy we had to ascertain three different parameters. 1. The date and time the premium was received and receipted must be confirmed. 2. The date, time and place of accident must be confirmed from the other Insurers’ records. 47

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3. Possibilities, of anybody else who could have paid the premium after the accident, should be ruled out beyond any doubt.

April 2003

claim was prepared at 3.30 pm. From enquiries it was revealed that the Development officer who brought cash from the Insured, after remitting the cash, went to the DFO to collect the premium DD. Enquiries with the Forest department revealed that the section superintendent passed an office order to hand over the DD to the Insurers. The superintendent who came for duty in the after noon after taking leaves for the morning session. She confirmed having issued the DD in the afternoon and got the policy and receipts the same day.

To prove the first point the investigator had to go to the Branch office concerned and checked all the records and counterchecked. Records Verified: 1. The receipts prepared on Friday the 21st July 1989: A total of 11 receipts were prepared on 21st July 1989. The receipt pertaining to this claim was ninth in line. The next receipt pertains to premium paid for renewal of a fire policy by the Forest Department. According to the branch the receipt was sent to the DFO immediately along with the new policy.

3. Development officer’s TA bill: The development officer TA is another evidence of his movement on 21st July 1989. The investigator made a round along with the Development officer and fount the distances and times mentioned in the TA bill in order. Giving allowances for the time spent in each place, the time of deposit of premium amount in cash tallied with the time of receipt.

The investigator verified this statement with the DFO, whose office is situated in the same street as the branch office. The notation found on the receipt and the policy clearly confirmed that the policy was indeed issued on 21st July itself.

Thus the date and time the premium was received and receipted was confirmed beyond any doubt. The key is the documentation of another independent Government Department, in this case, the Forest Department.

Thus the previous receipt issued to the Insured could not have been issued after 21 st July 1989. This receipt is pertaining to the Insured. 2. Time factor: -

Verification of accident spot, date & time: -

The investigator went through the documents to establish the time factor. The last receipt was prepared at 5.00 pm and the receipt of the DFO was prepared at 4.00 pm. The receipt for the Insured in this

The vehicle, in which the Insured was traveling at the time of accident, was insured with a different Insurer. The investigator went to the Insurer of the 48

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vehicle and made detailed enquiries. The claim papers pertaining to the vehicle was obtained and counter checked with the Kancheepuram Taluk Police station regarding the FIR. The FIR was filed based on a statement given by the uncle of the deceased, who came from Chennai on hearing the news of the accident.

April 2003

In conclusion: The Investigator report was prepared (seven pages of text and 6 pages of annexure showing tabulated data) and submitted. The claim was settled after two years of the accident. Why this claim took so much time to get admitted? The Branch office had a clear and unambiguous evidence to prove that this is a genuine claim. But for some reason it was dragged for one an half years before referring to the HO. An investigation was arranged at DO level and then at RO level. In both cases the Investigators could not give a report for the Insurers to take a concrete step. How this could have happened. During the course of the Investigation, the final Investigator was given a proper tongue lashing by the deceased’s brother for the way the Insurers treated them. It took almost an hour before the investigator could explain the situation to him. The Insured was not at all aware of the Close Proximity aspect of the claim. The previous investigators failed to inform the Insured about the situation. They had gone about making enquiries about the Insured’s income tax returns for the previous years. This step, which may be required, in the event of the investigators unearthed some evidence to show malafide intentions of the Insured, must be the last resort. Taking it up, as the first step was the mistake, which ended up in inconclusive reports. The delay in this case could have been avoided at the DO level itself, if they had appointed a capable person to do the investigation.

The Insured and his brothers picked up a consultant from Chennai and was proceeding to Pernambut when the accident occurred around 4.30 pm on 22nd July 1989 just about 24 hours after the premium receipt was issued. All the records of the Police, Hospital authorities, Ambulance receipts and Post Mortem report dovetailed nicely and corroborated the date, time and spot of accident. This conclusively proved, from the Other Insurer’s records, that the accident occurred only after the inception of the policy period. Verification into the possibilities, if any, of anybody else who could have paid the premium after the accident: The position of each of the persons involved in this claim, brothers of the deceased, their relatives, business associates etc, were carefully analyzed and it was established that none of them could have arranged to pay the premium AFTER the accident. Hospital records of all injured persons were checked with the respective hospital and found in order. The Accident Report prepared by the Kancheepuram GH tallied with the time mentioned in the FIR. 49

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Letterhead of Investigator

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April 2003

Letterhead of Investigator

Ref: ToTo

Report No.

Date

Date

INVESTIGATION REPORT FOR STOLEN VEHICLES

The Regional Transport Officer

Re: Insurance verification – Vehicle #_______________ Respected Sir, The Insurers M/s. ___________________ Co. Ltd. have entrusted the claim preferred by Mr/Ms/Mrs ________________________ with me for investigation. The Insurers instructed me to verify the RC details with your official records and obtain your certificate of authentication for their records. I produce the RC details below for your ready reference please. Name of Registered. Owner : Address of Registered owner : Registration Number : Chassis Number : Engine Number : Make/Model : Colour of the vehicle Class of vehicle : Date of registration : Financier’s name & address : Endorsement Details : FC Number and period of validity : Permit Number and period of validity : Details of previous owner if any : I request you sir to kindly confirm whether the above details are correct please. Thanking You

Yours faithfully 50

1. 2. 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21

22 23 24 25

DO/BO from which papers were referred : Date on which papers received : Date/dates of investigations : Name and address of the Insured : Vehicle Number/make/model : Chassis Number : Engine Number : Year of manufacture : Policy Number : Period of insurance : Claim Number : Date and time of theft : Place of theft : Date of reporting of theft to P.S : FIR details Name of Police station : Cr.# & Sec. Under which registered : Date of issue of NTC by the police : Insured version of the theft: We made detailed enquiries with the Insured. According to the Insured.………. Ownership/possession/use of vehicle: We made detailed enquiries in the neighbourhood of the Insured house………….. Feedback from enquiries with neighbours in the vicinity of place of theft: We made detailed enquiries near the spot of occurrence…………………… Details of Police case/final outcome of Police case: We made detailed enquiries with the Police at_______________ Police station. According to the Police……………… Details of hire purchase agreement with the financiers/present position of loan advanced by the Financiers/Financiers’ interest in final settlement of claim: Enquiries with the RTO: We made detailed enquiries with the RTO at…………………… Final observations: Enclosures: 51

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April 2003

Several years later, one of the students was killed in Vietnam and his teacher attended the funeral of that special student. She had never seen a serviceman in a military coffin before. He looked so handsome, so mature. The church was packed with his friends. One by one those who loved him took a last walk by the coffin. The teacher was the last one to bless the coffin. As she stood there, one of the soldiers who acted as pallbearer came up to her. “Were you Mark’s math teacher?” he asked. She nodded: “yes.” Then he said: “Mark talked about you a lot.” After the funeral, most of Mark’s former classmates went together to a luncheon. Mark’s mother and father were there, obviously waiting to speak with his teacher “We want to show you something,” his father said, taking a wallet out of his pocket. “They found this on Mark when he was killed. We thought you might recognize it.” Opening the billfold, he carefully removed two worn pieces of notebook paper that had obviously been taped, folded and refolded many times. The teacher knew without looking that the papers were the ones on which she had

TOO BUSY FOR A FRIEND One day a teacher asked her students to list the names of the other students in the room on two sheets of paper, leaving a space between each name. Then she told them to think of the nicest thing they could say about each of their classmates and write it down. It took the remainder of the class period to finish their assignment, and as the students left the room, each one handed in the papers that Saturday, the teacher wrote down the name of each student on a separate sheet of paper, and listed what everyone else had said about that individual. On Monday she gave each student his or her list. Before long, the entire class was smiling. “Really?” she heard whispered. “I never knew that I meant anything to anyone!” and, “I didn’t know others liked me so much.” Were most of the comments. No one ever mentioned those papers in class again. She never knew if they discussed them after class with their parents, but it didn’t matter. The exercise had accomplished its purpose. The students were happy with themselves and one another. That group of students moved on. 52

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April 2003

listed all the good things each of Mark’s classmates had said about him.

ACCOMPLISH THIS IS: Forward this message on. If you do not send it, you

“Thank you so much for doing that,”

will have, once again passed up the wonderful opportunity to do something

Mark’s mother said. “As you can see, Mark treasured it.” All of Mark’s former

nice and beautiful. If you’ve received this, it is because someone cares for you and

classmates started to gather around. Charlie smiled rather sheepishly and said,

it means there is probably at least someone for whom you care.If you’re

“I still have my list. It’s in the top drawer of my desk at home.” Chuck’s wife said,

“too busy” to take those few minutes right now to forward this message on, would

“Chuck asked me to put his in our wedding album.” “I have mine too,”

this be the VERY first time you didn’t do ihat little thing that would make a

Marilyn said. “It’s in my diary.” Then Vicki, another classmate, reached into her

difference in your relationships? The more people that you send this to, the

purse and showed her frazzled list to the group. “I carry this with me at all times, “ Vicki said and without batting an

better you’ll be at reaching out to those you care about Remember, you reap what you sow, what you put into the lives of others comes back into your own.

eyelash, she continued: “I think we all saved our lists.” That’s when the teacher

MAY YOUR DAY BE BLESSED AND AS SPECIAL AS YOU ARE.

finally sat down and cried. She cried for Mark and for all his friends who would never see him again. The density of people in society is so thick that we

Editor’s Note

forget that life will end one day. And we don’t know when that one day will be.

This message came in the net. The message is very clear. Every one of us have a heart but forgot how to use it. We need this and much more to achieve a crimefree world!

So please, tell the people you love and care for, that they are special and important. Tell them, before it is too late... AND ONE WAY TO 53

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April 2003

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April 2003

Details of Recovered vehicle from Police Stations

Letter of Authentication for Ready Reckoner Entries

From

THE EVER READY UNIVERSAL GUIDE

Name of Police Station with Code #

_________________________

Police station area PIN code

_________________________

Recovered Vehicle Details

_________________________

Class of vehicle

_________________________

Make (Mention Brand Name)

_________________________

Model

_________________________

Number on the registration plate

_________________________

Chassis number on physical verification

_________________________

Engine number of physical verification

_________________________

Date:

To M/s Amaran Register Private Ltd., A6 Raviram Apartments New # 75, Arya Gowda Road West Mambalam Chennai 600033 Dear Sirs Re: Ready Reckoner Entries

Full address, where the vehicle was recovered: -

We enclose attested photocopies of RC,FIR and Policy of vehicles under theft claim with us. We have noted the claim number clearly in the Policy copy for insertion in the ready reckoner published by you in your monthly “THE EVER READY UNIVERSAL GUIDE”. The number of sets enclosed are_____(_______________)

Crime Number & Section under which case is registered: Nearest office of the Insurance company where the intimation of recovery given: Remarks if any: -

Please do the needful

Signature of Officer in charge Seal

Signature of Authorized officer 54

(seal)

(Please fill up in English only) 55

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April 2003

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April 2003

Subscription Form

Regn.No.7 of 2001

ClaimsInvestigatorsAssociationofIndia From

Registered Office : 12, Ram Nagar, 5th Street, Nanganallur, Chennai - 600 061. Phone : 2346030 / 2347501 E-mail:[email protected]

Date:

Application No.

Date :

APPLICATION FOR ENROLLMENT AS MEMBER

To M/s. Amaran Register Private Ltd A6, Raviram Apartments 75, Arya Gowda Road West Mambalam Chennai – 600 033

1.

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2.

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:

3.

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4.

Communication Channels

Affix Passport Size Photo & Sign across

Phone (O) : Phone (R) : Fax :

Dear Sirs, We enclose a DD Number __________________ drawn on

Pager : Cell : e-mail ID :

_____________________Bank in favor of Amaran Register Private Ltd. payable

5.

Year in which applicant entered the fields as investigator :

at Chennai, for Rs. 1000 /- (Rupees One Thousand only) as yearly subscription

6.

Portfolio specialization, if any]

to THE EVER READY UNIVERSAL GUIDE for one year. Signature of Applicant 1. 2.

Office seal

DECLARATION I stae the information provided above are true to be best of my knowledge. I agree to abide by the rules & regulations of Claims Investigators Association of India as given in their Bye-laws and the decisions of the Managing Committee.

Authorized Signatory Signature of the Applicant 56

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April 2003

ClaimsInvestigatorsAssociationofIndia (Regd. No. 7/2000) # 12, Ram Nagar 5th Street, Nanganallur, Chennai – 600 061. Phone: 22347501 email : [email protected]

General Secretary /President Claims Investigators Association of India 12, Ram Nagar 5th Street, Nanganallur, Chennai – 600 061 For Membership please fillup the application form given in the reverse Membership subscription : Rs. 250/- per annum for individual and Rs.550 for firms. Enrolment charges

: Rs.50/-

Please send DD payable at Chennai drawn in favour of Claims Investigators Association of India and enclose 2 stamp size photographes for ID & self attested copy of Driving License. Printed by

: V. RAVI Printed at JAI GANESH OFFSET PRINTERS, 19, Venkatasamy Lane, Santhome, Chennai - 600 004.

Published by : Ms. AMBICA ANANTHAN on behalf of AMARAN REGISTER PRIVATE LTD. Published at : A6, Raviram Apartments old # 30, New # 75, Arya Gowda Road, West Mambalam, Chennai - 600 033. Editor

: P. ANANTHAN 58

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