Book Feb 1 Final

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 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 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

1

Editorial

2

2

How to use this Ready reckenor (Police department)

6

3

How to use this Ready reckenor (Insurance companies)

7

4

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

8

5

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

32

6

Interesing Case History

51

Ready Reckoner (List of recovered vehicles)

8

All about Investigations -

52

FAQ

56

Form of Authetication Letter for entries

58

Form for Details of recovered vehicles

59

Subscription requisition

60

Importance of PIN

THE EVER READY UNIVERSAL GUIDE

Editorial

INDEX

7

Vol. 1 Issue 2

Feb 2003

sections of the Government machinery are so complex that it takes enormous patience and perseverance to CONTROL & AT THE SAME TIME DEVELOPE the country. Unfortunately the individual departments of the Government have evolved their own way of working and the interactions between departments are entangled in lengthy procedures. Insurance and Police are two different entities, entirely different in their objectives and ways of functioning. The Police are service oriented and Insurance is commercially oriented. Insurance industry has grown many folds in the past decades and many Private Insurance companies entered the Indian Market. Unfortunately the market is accustomed to easygoing ways of Public Sector Insurance Companies. By the entry of Private Insurance Companies the field is thrown open to enormous pressures that are mounting upon the GIC and its subsidiaries. One area, which has blown out of control, is TP claims. Recently there was a press report about fraudulent TP claims amounting to Crores of rupees. Official enquiries are going on. But the question is BEFORE this revelation how much would have gone.

We were discussing the problems, faced by Insurance companies due to frauds perpetrated on them by unscrupulous elements, with the Divisional Manager of Insurance Company. While discussing a case on hand, he mentioned in the passing, a very interesting quote – “A mind cannot conceive impossibilities” His explanation is that if and when a mind conceives an idea, IT IS ACHIEVABLE!. The only difference is that the quantum & complexity of the MEANS to the achievement of the goal is directly proportional to the magnitude of the conceived idea. According to him many roadblocks will be thrown in the path towards achieving a goal, testing the person concerned. He who works his way around all these roadblocks without getting dejected and bogged down will see that his idea is materialized. - HOW TRUE? ! In a country like ours with diverse cultures, religions, races rubbing shoulder to shoulder the problems faced by all

This is where the Insurance Industry 1

2

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THE EVER READY UNIVERSAL GUIDE

needs help from the Police. The ideal solution would be; immediately after an accident the Insurance Industry must rush to the spot, negotiate and make an on-thespot assessment and settle the claim then and there. IMPOSSIBLE? We are convinced that it is possible. But the first step must come from the Insurance companies. As a rule they await a court ruling before accepting their liabilities. This one aspect creates possibilities for defrauding by unscrupulous elements. Analyzing the whole issue, it is distilled to the fact that a system has been evolved over the years by commission or omission. Thus there is only one way to resolve this contentious issue. Change the system! Is it Possible?

Feb 2003

is spread in rural areas where day-to-day livelihood is a battle. In such a situation ANY INCOME IS WELCOME. Accident that occurs inside a house is converted to Road Traffic Accident and right from the FIR to the doctor’s certificate and witness statements are doctored to obtain a ruling from the courts. Thus Insurance Companies suffer loss by simple OMISSION. As Insurance Investigators we made an attempt to resolve this issue, an onerous task. But it is not impossible. It is our conviction and belief that this can be achieved by methodical approach to the relationship between Insurance Companies and Police. One common area is the subject of stolen vehicles. Police have unearthed in the past illegal set ups acting like parallel RTOs, forging documents like RC Book, Driving Licenses, NOCs etc. Before the Police caught them, thousands of such forged documents would have found their way into the market and stolen vehicles gets re-registered at the regular RTOs and obtain LEGITIMATE REGISTRATION CERTIFICATE and get their Insurance cover in the RIGHT ROYAL ROUTE. It is upto the Insurance companies to weed out such vehicles. Thus we were

“WHY NOT?” This question must come from Insurance companies for an effective solution and the answer will evolve much more quickly and the system revamped in the near future. In TP claims, the control is impossible without the active help from the Police. There is a general misconception in public that the Insurance will pay for anything Middlemen utilize this and create avenues to defraud the Insurance companies. India’s population 3

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convinced that this is the first area to be concentrated in the path leading to the final goal of TP Claim Control. The idea of AMARAN REGISTER OF LOST VEHICLE was born.

Feb 2003

Shri P. S. Ramamohan Rao, who made the Inaugural Address, asked many question. One of them was – what action has been taken after the 25th Conference held at New Delhi. Our answer to this question lies in the first Para of our Pilot Issue and the first Official Issue. It is a quote from the souvenir released on that occasion about crime control and coordinated action on the part of all sections of Society. We, basically evolved from being Insurance Investigators, took the quote seriously and the Publication is born.

The 25 th All India Criminology Conference held in New Delhi, attended by the Publisher of this Monthly, was an eye opener and strengthened our conviction and the preparation was on way to launch this Publication. We took the plunge and released a Pilot issue and sent all over India for assessing the impact. The response was encouraging and we took the next step. The whole schematic was reviewed; name of publication changed from “Amaran Register of Lost Vehicles” to “The Ever Ready Universal Guide” and all formalities of authentication complied with on 6th January 2003. In the first official issue we had retained most of the articles and editorial from the Pilot Issue, but the Ready Reckoner was updated with DATA collected from Insurers.

The Theme Paper presented by Shri K. Radhakrishnan, I.P.S, Inspector General of Police (DVAC, Chennai – formerly Commissioner of Police Coimbatore) highlighted the importance of his strategy involving the civil society completely to isolate the terrorists. All the Police Officers who talked on various subject unanimously stressed one point – that is - public participation in the effort to prevent and control crime. There are many avenues through which each individual can contribute towards this. Ours is this monthly publication.

The 26 th All India Criminology Conference held at the University of Madras on the 26th-28th of December 2002 just confirmed our path and goal. His Excellency, the Governor of Tamilnadu, 4

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Feb 2003

ABOUT SMARTFLATS© The “SmartFlats©” is a unique, powerful, multilingual, user-friendly and novel software meant for exclusive use by the associations of apartments. SmartFlats deals perfectly with all the aspects of Apartments with the absolute intention of providing total solution for Apartment management. This software has been developed using Visual Basic and MS Jet Engine. The ultimate difference of this software is its comprehensiveness and the simplicity with which it performs the complex tasks of Apartment managers. “SmartFlats” is capable of maintaining the particulars of Owners and Residents Occupancy and Vacancy of Flats Occupancy and Vacancy of Parking slots Infra-structural facilities available Staff and Servants appointed by the association, owners and residents “SmartFlats“ maintains the visitors and their details. Complete accounting system for the transactions related to the associations (Subscription, Salary, Receipts and Payments, etc.,) Search facility on any of the above information Dynamic Report generation with search results Registration of Suggestion and Complaints Encumbrance particulars of the Owner’s and Residents. (This will be useful to trace out any one who Owned / Resided in a Flat in the past) “SmartFlats” display all the Captions, Labels and Messages in five languages. (English, Tamil, Hindi, Telugu, Kannada) Note from Editor : A firm of Software developers sent to us a Software specially created for Management of flats. On trying it out we found that this will be very useful in tracing people wanted by the police. For enquiries please contact the publishers. 5

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THE EVER READY UNIVERSAL GUIDE

Feb 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. 6

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Feb 2003

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THE EVER READY UNIVERSAL GUIDE

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 PROCEDURE:

THE EVER READY UNIVERSAL GUIDE READY RECKONER SECTION I

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 STOLEN VEHICLES MAKE/MODEL

Note the Details of Insurers/Police FIR etc. and take appropriate action 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 7 This system can be extended to costly equipments like Laptops. Insurers may send in suggestions for improving this system. Ultimately it is for them

AND CHASSIS & ENGINE NUMBERS IN ASCENDING ORDER

8

Feb 2003

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Vol. 1 Issue 2

ALL MODELS

Chassis #

AR #

Engine #

AR #

AEY 801646 AGU 720142 AJT 699565 III 211871 III 324710 III 374236 III 393108 III 463480 III 467521 III 471750 III 561633 III 587209 III 593967

000286 000380 000304 000030 000175 000110 000103 000054 000140 000392 000146 000080 000316

6 EDGU 128930 6 EDJT 109461 6 EPEY 020053 6EH 043776 D 280163 D 299354 ODH 57018 OED 035787 OER 13061 OET 10603 OEU 11428 OEY 10893 OEY 13384

000380 000304 000286 000146 000030 000316 000392 000080 000175 000110 000103 000054 000140

Chassis # 001415 378729 API 389592 APJ 150 LY 389699 API 150 LY

API AR # 000068 000058 000112 000111

LAMBY Engine # 001415 150 CY 378729 150 LY 389592 150 LY 389699

AR # 000068 000058 000112 000111

Chassis # NPE 253681

ASHOK LEYLAND AR # 000244

ALCO 3/3 TIPPER Engine # NPE 132302

AR # 000244

AVANTHI Chassis # AR # MD 9 PJT 08 A 9905132 000272

KOBRA Engine # TJPQA 9905894 9

AR # 000272

Feb 2003

Chassis # 31 F 95 C 00054 31 F 95 F 18599

BAJAJ AR # 000441 000425

4S Engine # 31 M 95 C 02816 31 M 95 F 21420

AR # 000441 000425

Chassis # 009660 04 C 363143 05 C 391644 24 C 006622 24 C 024172 24 C 037875 24 F BDM 47041 24 FBGA 01936 F 24 BM 020988 F 24 DB 062722 W 24 C 012699 W 24 C 047247 W 24 E 049396

BAJAJ AR # 000055 000079 000093 000026 000141 000102 000251 000548 000554 000136 000540 000549 000536

AUTO Engine # 009461 04 E 381176 05 E 422683 24 E 006540 24 E 023466 24 E 036947 24 M BDM 96488 AEMBG 013995 E 24 DB 061374 M 24 BM 023990 W 24 C 050179 W 24 E 012591 W 24 E 046023

AR # 000055 000079 000093 000026 000141 000102 000251 000548 000136 000554 000536 000540 000549

Chassis # DFFBFM 62559 DFFBGC 19498 DFFBHC 71356

BAJAJ AR # 000285 000295 000281

BOXER CT Engine # 31 MBGC 08116 DFMBFM 72029 DFMBHC 85901

AR # 000295 000285 000281

Chassis # DDFBEE 01781 DDFBEG 07887

BAJAJ AR # 000156 000151

CALIBER Engine # DDMBEE 01842 DDMBEG 07659

AR # 000156 000151

DDFBEG 08025

000165

DDMBEG 08186

000165

READY Reckoner (CHASSIS NO-ENGINE NO. WISE) AMBASSADOR

THE EVER READY UNIVERSAL GUIDE

10

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Feb 2003

BAJAJ

CALIBER (CONT’D)

Chassis #

AR #

Engine #

AR #

DDFBEM 66129

000412

DDMBEM 69168

000412

DDFBFE 44261

000291

DDMBFE 83307

000291

DDFBFF 87515

000292

DDMBFF 94468

000292

DDFBGC 78706

000275

DDMBGC 28086

000275

DDFBHB 52188

000252

DDMBHB 12180

000252

BAJAJ

CHETAK

Chassis #

AR #

Engine #

AR #

03 C 501 180289

000289

03 E 502 178137

000289

06 C 1100213

000464

06 C 1137240

000464

06 C 703788

000170

06 E 740043

000170

06 C 803088

000128

06 E 833372

000128

06 C 8103 136224

000174

06 F 1100514

000528

06 D 96 P 67336

000265

35 E 96 K 48759

000280

06 F 1064023

000528

6 F 8103 165912

000174

35 C 96 K 11262

000280

85 P 96 F 67818

000265

W 06 C 016260

000012

W 06 E 016424

000012

BAJAJ

KB 100

Chassis #

AR #

Engine #

AR #

3 DC 079689

000434

30 M 94 D 06589

000220

30 C 099117

000349

3 DE 076447

000434

30 F 94 D 07699

000220

30 E 097862

000349

BAJAJ

LEGEND

Chassis #

AR #

Engine #

AR #

28 CBFH 39808

000290

28 EBFH 40157

000290

11

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Feb 2003

Chassis # 16 C 94G35760 16 C 95 K 10007 16 C 96 K 69063 16 CBEC 33864 16 CBEE 57820 16 CBFK 15371 16 CBGE 08648 16 CBGK 56342 16 CBHF 84103 16 EBCL 25602

BAJAJ AR # 000181 000321 000206 000453 000411 000214 000373 000455 000377 000462

M80 Engine # 16 E 94G35812 16 E 95 K 09122 16 E 96 K 69037 16 EBCL 25617 16 EBEC 35803 16 EBEE 57832 16 EBFK 18720 16 EBGE 10501 16 EBGK 58571 16 EBHF 86840

AR # 000181 000321 000206 000462 000453 000411 000214 000373 000455 000377

Chassis # 33 F 96 J 87464 34 CBDG 14207

BAJAJ AR # 000487 000552

SUNNY, RAVE Engine # 33 M 96 J 87391 34 EBDG 14044

AR # 000487 000552

Chassis # 08 C 93 M 91527 W 05 C 260260

BAJAJ AR # 000300 000027

SUPER, SUPER FE Engine # 08 E 93 M 04989 W 05 E 248621

AR # 000300 000027

Chassis # 3 FD 19747

BAJAJ AR # 000178

TEMPO Engine # 3 D 184403

AR # 000178

Chassis # 181971/8JX 9 B 393144

ENFIELD AR # 000081 000088

BULLET Engine # 181971 393144

AR # 000081 000088

OB 420405

000147

OB 420405

000147

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Feb 2003

Feb 2003

Chassis # 99 D 12 A 12092 99 E 12 F 05995 99 H 10 F 06239 B 10 F 075853 B 10 F 100107 D 10 F 194376 D 10 F 213771 D 10 F 230063 D 10 F 237815 D 10 F 254540 F 10 F 368223 F 10 F 380646

CD 100, CD 100 SS & DX (CONT’D) Engine # AR # 99 E 10 E 11949 000270 99 H 10 E 08200 000268 9910 E 22860 000371 B 10 E 075787 000064 B 10 E 100242 000119 D 10 E 194311 000020 D 10 E 213556 000039 D 10 E 2302259 000021 D 10 E 2337482 000019 D 10 E 254568 000116 F 10 E 375697 000098 F 10 E 393271 000105

Chassis # E 11 F 009179

HEROHONDA AR # 000172

SLEEK Engine # E 10 E 350828

AR # 000172

CD 100, CD 100 SS & DX Engine # AR # 01 G 13 E 00024 000400 21543 000342 94 G 10 E 12310 000423 95 M 10 E 01225 000155 96 L 10 E 01495 000284 97 A 10 E 16021 000370 98 B 10 E 02709 000149

Chassis # 00 A 10 F 10829 00 B 19 F 07774 00 B 20 C 03366 00 E 20 C 09920 00 F 20 C 11321 00 F 20 C 16430 00 F 20 C 17810 00 F 20 F 10954 00 F 20 F 11097 00 G 20 C 22611

HERO HONDA AR # 000355 000404 000447 000308 000360 000222 000210 000369 000325 000387

SPLENDOR Engine # 00 M 18 M 22705 00 E 18 M 10170 00 A 10 E 22143 00 B 17 E 07158 00 B 18 M 03578 00 C 18 E 15957 00 F 18 E 10777 00 F 18 E 10784 00 F 18 M 10748 00 F 18 M 15098

AR # 000489 000308 000355 000404 000447 000352 000369 000325 000360 000222

99 B 10 E 18201

00 L 20 C 09228

000238

00 F 18 M 18084

000210

Chassis # 618735 CB B 63437 C 2

EXPLORER Engine # 318690 CB 363175 C 2

AR # 000173 000344

Chassis # A 50072 E7

ENFIELD AR # 000075

SILVERPLUS Engine # 203610 E7

AR # 000075

IKON Engine # YA 05848

AR # 000199

Chassis # MD 086955 MP 039345

HERO AR # 000009 000042

MAJESTIC Engine # MH 339658 MH 365656

AR # 000042 000009

Chassis # CPB 054492

HERO AR # 000131

PANTHER Engine # ENB 079810

AR # 000131

Chassis # 01 G 13 F 00063 11331 94 G 12 F 08414 95 M 12 F 01444 96 L 12 F 01607 97 A 10 F 7357 98 D 10 F 02886

HEROHONDA AR # 000400 000342 000423 000155 000284 000370 000149

99 B 10 F 09656

000273 13

THE EVER READY UNIVERSAL GUIDE

HEROHONDA AR # 000371 000270 000268 000064 000119 000020 000039 000021 000019 000116 000098 000105

ENFIELD AR # 000173 000344

FORD Chassis # AR # MAJAXXMRTA 05848 000199

Vol. 1 Issue 2

000273

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HERO HONDA

SPLENDOR (CONT’D)

Chassis # 00 L 20 C 27774 00 M 20 C 22612 00 M 20 F 26843 00120 C 19720 0020 F 14844 01 B 20 C 23112 01 B 20 F 01745 01 G 20 C 06790 01 G 20 F 12083 07744 95 D 19 F 00870 95 K19 F 02438 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 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

AR # 000358 000489 000406 000366 000352 000350 000556 000297 000378 000157 000219 000533 000472 000457 000439 000205 000484 000320 000250 000264 000324 000438 000327 000322 000319 000396 000249 000541 000354

Engine # 00 G 18 M 22696 00 L 18 M 09123 00 L 18 M 19789 00 L 18 M 27752 00 M 18 E 25958 00798 01 B 18 E 01343 01 B 18 M 23274 01 G 18 B 12199 01 G 18 M 00521 08004 95 D 17 E 00602 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 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 B 19 F 04860

000449

98 A 17 E 04939 15

Feb 2003

Vol. 1 Issue 2

AR # 000387 000238 000366 000358 000406 000376 000556 000350 000378 000297 000157 000219 000533 000472 000457 000439 000205 000484 000320 000250 000264 000324 000438 000327 000322 000319 000396 000249 000541

HERO HONDA Chassis # 98 D 19 F 03986 98 D 19 F 06684 98 F 19 F 05465 98 G 12 F 01360 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 99 H 19 C 08083 99 H 19 C 11365 99 H 19 C 11769 99 H 19 F 08162 99 J 19 C 10078 99 M 17 C 00807 99 M 19 C 08528 99 M 19 C 2418 C 10 F 107487

000354

C B 03003788

THE EVER READY UNIVERSAL GUIDE

Feb 2003

AR # 000301 000463 000150 000473 000241 000495 000257 000227 000395 000372 000471 000518 000385 000318 000361 000452 000389 000213 000347 000196 000553 000557 000309 000367 000481 000376 000403 000414 000418

SPLENDOR (CONT’D) Engine # 98 B 17 E 04798 98 D 17 E 03583 98 D 17 E 06348 98 F 17 E 05455 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 99 H 17 E 07866 99 H 17 M 02528 99 H 17 M 06910 99 H 17 M 10802 99 H 17 M 10978 99 J 17 M 08517 99 M 117 M 09091 99 M 17 C 05321 C 10 E 107623

AR # 000449 000301 000463 000150 000473 000495 000257 000241 000395 000372 000471 000518 000227 000385 000318 000361 000347 000452 000389 000213 000367 000196 000553 000309 000557 000481 000414 000403 000418

000353

C B 13005046

000353

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Feb 2003

Chassis # 095279596 48220548

KELVINATOR AR # 000083 000072

AVANTI Engine # 214804324 320980544

Chassis # NIEF 128589 NIEGA 254622 NIERB 941406 NIFC 028347 NIFCM 579566 NIFE 119238 NIFFE 190622 NIFHD 355851 NIFKA 484511 NIFKM 481537 NIFMF 635696 NIFNE 741438 NIFPE 827713 NIFSG 097282 NIFSL 143705 NIFTB 164067

KINETIC AR # 000123 000139 000448 000127 000326 000424 000115 000201 000490 000445 000451 000390 000544 000402 000221 000394

HONDA Engine # 569788 NIECM NIEC 0 28298 NIEE 119238 NIEF 129882 NIEFE 190112 NIEGA 248176 NIEHD 346068 NIEKM 471128 NIEMF 628458 NIENE 735601 NIEPX 822280 NIERB 937054 NIESG 093152 NIESL 139279 NIFKA 474102 NIFTB 160431

Chassis # 32006593 98 K 13043668 AL 19000012

KINETIC AR # 000122 000328 000287

LUNA,LUNA SUPER,SAFARI Engine # AR # 31014774 000122 98 K 13073055 000328 AL 19001568 000287

Chassis # 191929 API

LAMBRETTA AR # 000022

Engine # 150LI193223 17

AR # 000072 000083

AR # 000326 000127 000424 000123 000115 000139 000201 000445 000451 000390 000544 000448 000402 000221 000490 000394

AR # 000022

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Feb 2003

LML

VESPA-XE-NE

Chassis #

AR #

Engine #

AR #

C 10 C 564572

000218

AH 31849 E

000070

CH 449848

000028

CN 448397

000028

XEA 032538

000070

E 10 C 562038

000218

MAHINDRA

JEEP

Chassis #

AR #

Engine #

AR #

CI 500 DI 4 DSDS 43315

000330

DS 43315

000330

CL 550 MD 4 FVDV 204583

000331

DV 204583

000331

MAHINDRA

MAXICAB

Chassis #

AR #

Engine #

AR #

MA 1 JG 2 FAA 13 J 22317

000407

S 43356876

000407

MAHINDRA

NISSAN

Chassis #

AR #

Engine #

AR #

EYH 4 HA 375631 16823

000303

IC 15386

000303

MAHINDRA

TRACTOR

Chassis #

AR #

Engine #

AR #

A 98280

000333

3 SA 26923

000333

MARUTHI

800

Chassis #

AR #

Engine #

AR #

357235

000314

499352

000314

SB 308 IN 1015941

000442

F 8 BIN 105745

000215

SB 308 IN 1025487

000299

F 8 BIN 1336939

000442

SS 80 FIN 140108

000215

F 8 BIN 1351167

000299

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Feb 2003

MARUTHI AR #

ESTEEM Engine #

Chassis # 956863 ST 91 IN 136639 ST 91 IN 855706

000312 MARUTHI AR # 000338 000482 000133

G 13 BIN 619545 OMNI Engine # 922062 F 8 BIN 1254496 F 8 BIN 563754

Chassis # 429110 MA 3 EYE 31 S 00 290303

MARUTHI AR # 000305 000311

ZEN Engine # AR # 419718 000305 G 10 BIN 285149 AW 000311

Chassis # 56 V 079528 56 V 100839

OPEL AR # 000410 000198

ASTRA Engine # 16 LZ 5010301 16 N/R 02 FE 6849

AR # 000410 000198

Chassis # A 216025

PREMIER AR # 000016

PADMINI Engine # PA 136635

AR # 000016

Chassis # MA 3 EBE 41 S 00 251748

AR # 000312 AR # 000338 000482 000133

Vol. 1 Issue 2

Feb 2003

Chassis # 1012 F 283254 1108 F 995803 1711 F 138240 1805 F 172054 1807 F 179362 1809 F 183972 1904 F 218258 3512 F 032058 3604 F 055587 3608 F 082699 3608 F 085622 3609 F 091118 3610 F 095107 3708 F 122774 3709 F 131812 4706 F 110499 4708 F 12546 5809 F 185959 A 908 F 272447

SUZUKI AR # 000456 000479 000008 000002 000005 000071 000142 000092 000007 000059 000061 000176 000067 000023 000015 000017 000060 000135 000113

AX 100,100R Engine # 1012 M 289579 1108 M 050547 1711 M 145199 1805 M 178439 1807 M 186966 1808 M 188666 1904 M 225945 3512 M 040099 3604 M 062839 3608 M 089042 3608 M 092297 3609 M 097716 3610 M 101738 3708 M 129826 3709 M 138228 4705 M 116833 4708 M 132040 5809 M 192773 A 908 M 271105

SUZUKI AR # 000405 000261 000248 000513 000409 000476 000485

MAX 100, 100 R, 100 DC Engine # AR # 1006 M 730927 000405 1008 M 774136 000261 1102 M 911029 000248 1105 F 916714 000409 1105 M 992220 000513 1107 M 033778 000476 1107 M 035595 000485

000480

1109 M 063424

Chassis # 115 248006 115457806 115549940 777924 908496 959605

RAJDOOT AR # 000074 000124 000024 000010 000082 000063

ALL MODELS Engine # 111 51 245203 11151454813 1151546947 771931 905503 959605

AR # 000074 000124 000024 000010 000082 000063

Chassis # 1006 F 679010 1008 F 721868 1102 F 858005 1105 F 938302 1105 M 970226 1107 F 979223 1107 F 980749

981583

000085

981583

000085

1109 F 008506

19

THE EVER READY UNIVERSAL GUIDE

20

AR # 000456 000479 000008 000002 000005 000071 000142 000092 000007 000059 000061 000176 000067 000023 000015 000017 000060 000135 000113

000480

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Chassis # 1201 F 125617 1201 F 145694 1202 F 165289 1612 F 737196 1704 F 794755 1704 F 803686 1802 F 967127 1803 F 9839968 1805 F 034381 1810 F 130113 1810 F 141355 1811 F 169389 1812 F 181246 1901 F 204916 1903 F 273113 1904 F 285881 1907 F 355790 1909 F 419751 1909 F 421139 1909 F 433335 1909 F416078 1910 F 452211 1911 F 478084 541453 7606 F 655012 8007852 9011 F 775028 9101 F 833466 9101 F 834115

SUZUKI AR # 000263 000545 000542 000233 000293 000469 000436 000537 000507 000200 000362 000399 000420 000228 000467 000160 000478 000444 000346 000246 000277 000375 000211 000253 000153 000539 000356 000397 000446

MAX 100, 100 R, 100 DC (CONT’D) Engine # AR # 1201 M 181115 000263 1201 M 191762 000545 1202 M 220900 000542 1612 M 783113 000233 1704 M 840647 000293 1704 M 849464 000469 1802 M 014121 000436 1803 M 030983 000537 1805 M 081551 000507 1810 M 177717 000200 1810 M 188837 000362 1811 M 217243 000399 1812 M 228847 000420 1901 M 252988 000228 1903 M 321348 000467 1904 M 334375 000160 1907 M 404918 000478 1909 M 465819 000277 1909 M 469357 000444 1909 M 471128 000346 1909 M 483279 000246 1910 M 502353 000375 1911 M 528344 000211 584996 000253 7606 M 699949 000153 9011 M 826613 000356 9101 M 886416 000397 9101 M 887067 000446 9102 M 912047 000283

9102 F 859034

000283

9103 M 936504 21

000258

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Chassis # 9103 F 883258 9104 F 908901 9108 F 997297 9109 F 021549

SUZUKI AR # 000258 000202 000520 000363

MAX 100, 100 R, 100 DC (CONT’D) Engine # AR # 9104 M 962250 000202 9108 M 052083 000520 9109 M 076685 000363 M 062776 000539

Chassis # 1801 F 950810 7003 F 594097 7011 F 776237 7011 F 792686 7101 F 839062 7103 F 886986 7103 F 889958 7309 F 378932 7405 F 422332 7506 F 523762 7508 F 534605 7509 F 554595 7510 F 56326 7512 F 582000 7606 F 657393 7609 F 690377 7610 F 704676 7701 F 749799 7705 D 814776 7801 F 945788 7801 F 959361 7801 F 959361

SUZUKI AR # 000154 000271 000278 000523 000516 000255 000231 000256 000435 000459 000266 000401 000440 000437 000468 000329 000236 000465 000310 000359 000217 000398

SAMURAI Engine # 1801 M 997697 7003 M 645256 7011 M 829189 7011 M 844882 7101 M 891935 7103 M 939966 7103 M 96358 7309 M 410607 7405 M 461641 7506 M 567176 7508 M 578029 7509 M 598124 7510 M 607448 7512 M 625905 7606 M 701032 7609 M 735528 7610 M 749803 7701 M 795758 7705 M 860509 7801 M 006389 7801 M 006389 7801 M 992687

AR # 000154 000271 000278 000523 000516 000255 000231 000256 000435 000459 000266 000401 000440 000437 000468 000329 000236 000465 000310 000217 000398 000359

7808 F 097878

000243

7808 M 145293

000243

22

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Feb 2003

THE EVER READY UNIVERSAL GUIDE

Feb 2003

TVS

50 XT, 50 XL

AR #

Chassis # 023255 11 81 066544 2 87 112833 07 87 115796 07 83 136117 10 83 159186 1 88 1894840684 1946470684 354164 39339202/86 443939 4811 F 118603 495808 7 87 4967870787 6902 F 163999 A 001 F 295615 A 001 F 305558 A 001 F 309470 A 002 F 327229 A 005 F 394004 A 006 F 362935 A 007 F 428405 A 008 F 398688 A 008 F 439320 A 008 F 450873 A 009 F 461841 A 011 F 423627 A 101 F 5141671 A 104 F 564936

AR # 000004 000052 000001 000130 000144 000056 000091 000120 000121 000118 000179 000013 000050 000097 000003 000510 000334 000274 000101 000335 000100 000508 000089 000530 000504 000547 000117 000511 000517

Engine # 023483 11 81 067045 2 87 113414 07 87 116170 07 83 135836 10 83 159707 1 88 1902420684 1952790684 360361 39334902 444405 4811 M 131100 496412 7 87 4974010787 6902M183960 A 904 M 095892 A 001 M 276165 A 001 M 286067 A 001 M 289992 A 002 M 327426 A 005 M 374886 A 006 M 354679 A 007 M 409269 A 008 M 388213 A 008 M 420172 A 008 M 431021 A 009 M 442604 A 011 M 421943 A 101 M 495346

AR # 000004 000052 000001 000130 000144 000056 000091 000120 000121 000118 000179 000013 000050 000097 000003 000515 000510 000334 000274 000101 000335 000100 000508 000089 000530 000504 000547 000117 000511

000317

A 104 F 568705

000415

A 104 M 545597

000517

SUZUKI

SAMURAI (CONT’D)

Chassis #

AR #

Engine #

AR #

7811 F 154951

000229

7811 M 202457

000229

7903 F 268699

000337

7903 M 316915

000337

TATA

1210 SE

Chassis #

AR #

Engine #

AR #

692 001 232314

000137

344 073 224273

000137

692 001 763287

000138

344 073 760422

000138

TATA

1520

Chassis #

AR #

Engine #

AR #

344 052 127800

000087

692 D 02134831

000087

344 073 761776

000062

692 D O1 764867

000062

TATA

INDICA

Chassis #

AR #

Engine #

AR #

600142 GYZP 36615

000408

4751 D 12 GYZP 35745

000408

TATA

SUMO

Chassis #

AR #

Engine #

AR #

385003 ASQ 902836

000384

483 DL 41 ARQ 706526

000148

385003 FRQ 913912

000279

483 DL 41 ASQ 707539

000384

385003 HSQ 937885

000332

483 DL 41 FRQ 737995

000279

38503 ARQ 903379

000148

483 DL 41 HSQ 796562

000332

440 738 00589

000109

692 DO 1805081

000109

TATA

TIPPER

Chassis #

AR #

Engine #

373 094 HQQ 117769

000317

697 D 21 GQQ 123473 23

Vol. 1 Issue 2

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Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Chassis # A 108 F 620142 A 112 F 653986 A 202 F 667874 A 304 F 747658 A 503 F 056846 A 603 F 300714 A 611 F 496715 A 612410886 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 804 F 023134 A 807 F 938654 A 808 F 970381 A 809 F 110002 A 812 F 145147 A 901 F 166599 A 903 F 184798 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 908 F 267797 A 909 F 2220940 A 909 F 236718 A 909 F 243066

TVS AR # 000522 000550 000529 000169 000235 000501 000519 000107 000416 000339 000208 000483 000288 000500 000049 000162 000491 000108 000096 000106 000045 000515 000488 000226 000267 000493 000492 000044 000497 000161 000336

50 XT, 50 XL Engine # A 104 M 549360 A 108 M 600528 A 112 M 634227 A 202 M 648165 A 304 M 742955 A 503 M 042034 A 603 M 282866 A 611 M 479613 A 617240886 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 804 M 031193 A 807 M 920898 A 808 M 952197 A 809 M 101592 A 812 M 142924 A 901 M 164190 A 903 M 187433 A 905 M 130427 A 906 M 150501 A 908 M 178533 A 908 M 1844806 A 908 M 184724 A 908 M 269069 A 909 M 203300 A 909 M 217590 A 909 M 224523

AR # 000415 000522 000550 000529 000169 000235 000501 000519 000107 000416 000339 000208 000483 000288 000500 000049 000162 000491 000108 000096 000106 000045 000488 000226 000267 000493 000492 000044 000497 000161 000336

A 909 F 275605

000051

A 909 M 276140

000051

25

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THE EVER READY UNIVERSAL GUIDE

Feb 2003

Chassis # A 909 F 276853 A 909 F 276905 A 9097 F 173173 C 008 F 358770 C 805 F 046961 C 809 F 091431 C 811 F 136307 C 901 F 169495 C 905 F 2096674 C 909 F 277703 C 912 F 320426 P 1005 F 276408 P 1107 M 443464 P 1911 F 184352 PL 91 ZF 201800

TVS AR # 000018 000114 000494 000143 000048 000014 000065 000066 000104 000077 000078 000269 000421 000204 000514

50 XT, 50 XL (CONT’D) Engine # A 909 M 278004 A 909 M 278175 A 9097 M 154867 C 008 M 383256 C 805 M 047817 C 809 M 096036 C 811 M 138088 C 901 M 168207 C 905 M 219906 C 909 M 279218 C 912 M 315151 P 1005 M 274228 P 1107 F 448794 P 1911 M 183677 PL 91 ZM 200855

AR # 000018 000114 000494 000143 000048 000014 000065 000066 000104 000077 000078 000269 000421 000204 000514

Chassis # 001684 4 87 007732 9 87 D 001 F 294375 D 002 F 335835 D 009 F 471995 D 101 F 524941 D 107 F 607929 D 307 F 779650 D 310 F 816270

TVS AR # 000046 000047 000212 000073 000209 000351 000477 000422 000306

CHAMP Engine # D 310 M 808204 001614 4 87 007982 9 87 D 001 M 274970 D 002 M 342794 D 009 M 452544 D 101 NM 505509 D 107 M 588472 D 307 M 774864

AR # 000306 000046 000047 000212 000073 000209 000351 000477 000422

D 602 F 297289

000466

D 602 M 279966

000466

D 607 F 413935

000203

D 607 M396586

000203

D 704 F 620681

000535

D 704 M 603855

000535

D 708 F 706562

000551

D 707 M 684128

000551

26

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Chassis # D 708 F 714794 D 802 F 847114 D 805 F 047080 D 805 F 05724 D 808 F 088703 D 812 F 037274 D 902 F 076951 D 903 F 091409 D 904 F 111121 D 904 F 114245 D 905 F 221761 D 909 F 273471 D 912 F 283844 D 912 F 31907 DOIOF 480498

TVS AR # 000546 000207 000094 000183 000031 000180 000498 000496 000391 000166 000053 000032 000512 000033 000486

CHAMP (CONT’D) Engine # D 708 M 696022 D 802 M 82879 D 805 M 048123 D 805 M 87701 D 808 M 091818 D 812 M 019025 D 902 M 058804 D 903 M 073122 D 904 M 092833 D 904 M 095589 D 905 M 223307 D 908 N I273577 D 912 M 264604 D 912 M 314224 DOIOM 461249

AR # 000546 000207 000094 000183 000031 000180 000498 000496 000391 000166 000053 000032 000512 000033 000486

Chassis # 16 CBFA 89683 K 01 JF 633144 K 95 FF 023387 K 98 CF 171638

TVS AR # 000184 000534 000182 000185

SCOOTY Engine # 16 EBFA 91318 K 01 JM 624797 K 95 FM 024143 K 98 CM 173248

AR # 000184 000534 000182 000185

Chassis # J 1011 F 353368

TVS AR # 000282

SPORTS Engine # P 1011 M 348699

AR # 000282

Chassis #

TVS AR #

XL SUPER Engine #

AR #

A 203 F 689013

000538

A 203 M 669332

000538

P 1006 F 288804

000341

P 1006 M 286294

000341

P 1007 F 297940

000348

P 1007 M 295445

000348

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Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Chassis # 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 1111 F 509658 P 1111 F 515800 P 1201 F 523981 P 1202 F 551998 P 1809 F 055654 P 1812 F 081047 P 1907 F 144087 P 1907 F 144087 P 1911 F 193405 P 3103 F 423799 P 3109 F 480294 P 3201 F 527150

TVS AR # 000505 000340 000506 000223 000413 000298 000475 000521 000254 000525 000527 000393 000524 000343 000242 000259 000388 000526 000276 000383 000555

XL SUPER (CONT’D) Engine # 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 1812 M 080935 P 1907 M 143564 P 1907 M 143594 P 1911 M 192511

AR # 000505 000340 000254 000506 000223 000276 000413 000475 000298 000383 000521 000525 000527 000393 000555 000524 000343 000242 000259 000388 000526

Chassis # SA 2242235

VIJAY AR # 000134

SUPER Engine # 900 A 453917

AR # 000134

Chassis # 3 B 273646 94 J ILI 458438

YAMAHA AR # 000171 000474

RX 100 Engine # 273646 IL2 010767

AR # 000171 000167

28

Vol. 1 Issue 2

Chassis # 94 K ILI 462856 95 D ILI 507833 96 F IL5 007626 98 B IL3 015919 IL2 010767 ILI 003709 ILI 007155 ILI 015516 ILI 022897 ILI 046013 ILI 057653 ILI 081523 ILI 088339 ILI 089444 ILI 091097 ILI 104587 ILI 107027 ILI 107488 ILI 118572 ILI 128369 ILI 139237 ILI 142402 ILI 150559 ILI 151116 ILI 162268 ILI 180438 ILI 190099 ILI 192771 ILI 198273 ILI 198367 ILI 210288

THE EVER READY UNIVERSAL GUIDE

YAMAHA AR # 000232 000230 000262 000454 000167 000419 000011 000043 000458 000006 000197 000038 000025 000041 000035 000034 000125 000069 000095 000090 000531 000086 000084 000126 000460 000076 000129 000323 000132 000099 000152

RX 100 (CONT’D) Engine # IL5 007626 IL5 15919 ILI 003709 ILI 007155 ILI 015516 ILI 022897 ILI 046013 ILI 057653 ILI 081523 ILI 088339 ILI 089444 ILI 091097 ILI 104587 ILI 107027 ILI 107488 ILI 118572 ILI 128369 ILI 139237 ILI 142402 ILI 150559 ILI 151116 ILI 162268 ILI 180438 ILI 190099 ILI 192771 ILI 198273 ILI 198367 ILI 210288 ILI 218177 ILI 266627 ILI 295846 29

Feb 2003

AR # 000262 000454 000419 000011 000043 000458 000006 000197 000038 000025 000041 000035 000034 000125 000069 000095 000090 000531 000086 000084 000126 000460 000076 000129 000323 000132 000099 000152 000294 000470 000315

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Chassis # ILI 218177 ILI 266627 ILI 295846 ILI 321261 ILI 354798 ILI 412649 ILI 417510 C 94 KI 157815

YAMAHA AR # 000294 000470 000315 000168 000543 000158 000443 000461

RX 100 (CONT’D) Engine # ILI 321261 ILI 354798 ILI 412649 ILI 417510 ILI 458438 ILI 462856 ILI 507833 KI 157815

AR # 000168 000543 000158 000443 000474 000232 000230 000461

Chassis # 00 A IL5 296437 00 C IL5 316462 00 C IL5 316517 00 A IL5 288897 95J 1L2 000007 96 K IL5 044642 97 B 115077723 98 B IL3 015315 98 B IL5 150123 98 G IL5 179847 98 K IL5 202520 99 B IL5 217570 99 C IL5 221758 99 G IL5 259909 99 G IL5 263238 99 J IL5 268602 99 K IL5 274082 C 98 D IL5 168176 K5 108350 K5 52126

YAMAHA AR # 000216 000302 000225 000240 000247 000436 000224 000417 000374 000260 000450 000379 000234 000499 000357 000307 000245 000237 000163 000159

RX 135 & RXG Engine # 1L2 000007 IL3 015315 IL5 044642 IL5 077723 IL5 150123 IL5 168176 IL5 179847 IL5 202520 IL5 217570 IL5 221758 IL5 259909 IL5 263238 IL5 268602 IL5 274082 IL5 288897 IL5 296437 IL5 316462 IL5 316517 K5 108350 K5 52126

AR # 000247 000417 000436 000224 000374 000237 000260 000450 000379 000234 000499 000357 000307 000245 000240 000216 000302 000225 000163 000159

30

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Feb 2003

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Importance of PIN The Postal Index Number (PIN) is unique each one for a specific geographical area. Thus for analytical purposes it becomes one of the important links/input. Coupled with Code of the Police station it is unique for each Police Station. Any one area covered by one PIN will have a maximum of ten according to the density of population. Thus a code coined with the PIN narrow down the area further and help create more accurate statistical models. In most of claim forms/FIRs sent by Insurers for compilation this bit of information is missing. In the event of a vehicle being traced the Police station which filed the original FIR can be contacted directly and passing on the information for necessary action.

THE EVER READY UNIVERSAL GUIDE READY RECKONER

Similarly the addresses of the Insured and spot of occurrence are given without PIN code. This brings down the efficiency all round.Hence we request you to note the PIN codes without fail. --------------------

SECTION II

Wanted Amaran Register Private Ltd is on the look-out for agents in all Districts all over India -1. To collect advertisements for their monthly publication “The Ever Ready Universal Guide” 2. To collect subscription from Insurance companies, banks and other financial institutions Commission: 20% for advertisements collected & 10% for subscription collected.

LIST ACCORDING TO AR #

SHOWING CORRESPONDING DETAILS

Apply with self addressed stamped envelope to:

AND CRIME NUMBER

IN ASCENDING ORDER

OF INSURERS, CLAIM REFERENCE, POLICE CODE/PIN

M/s. AMARAN REGISTER PRIVATE LTD., A6 Raviram Apartments, New # 75, Arya Gowda Road, West Mambalam, Chennai 600033. 31

32

Feb 2003

Vol. 1 Issue 2

AR # 000001 000002 000003 000004 000005 000007 000008 000009 000010 000011 000012 000013 000014 000015 000016 000017 000018 000019 000020 000021 000022 000023 000024 000025 000026 000027 000028 000029 000030 000031 000032

INSURERS NIA-710901 NIA-710901 NIA-710901 NIA-710901 NIA-710901 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710201 NIA-710203 NIA-710202 NIA-710602 NIA-710602 NIA-710603 NIA-710603 NIA-710603 NIA-710403 NIA-710803 NIA-710803 NIA-710600 NIA-710802

THE EVER READY UNIVERSAL GUIDE

CLAIM # 88/0184 89/0266 89/0217 88-89/0373 89/0111 88/0053 88/0092 88/0046 88/0083 89/0075 90/0063 89/0017 89/0069 89/95 88/113 89/0048 89-90/182 89-90/023 89-90/022 89-90/012 87/134 88/268 89/64 89/245 89-90/159 89/328 1991/64 9/90 77/89 90/15 54/1991

PS CODE O2 R2 R1 C5 J5 O2 B2 B2 K4 D6 O1 E1 N3 G2 O2 R4 C5 K4

F5 R1 D3 J5 F4 E1 E3 J6 33

Feb 2003

PS PIN

Cr # 62/88 692/89 2311/89 881/88 479/88 1591/87 326/88 394/87 108/88 1030/89 403/90 652/89 812/89 1205/89 521/87 257/88 1470/89 308/90 179/90 1015/89 226/87 1695/88 584/89 835/88 409/89 144/89 580/90 264/90 2159/89 1493/90 579/90

Vol. 1 Issue 2

AR # 000033 000034 000035 000037 000038 000039 000040 000041 000042 000043 000044 000045 000046 000047 000048 000049 000050 000051 000052 000053 000054 000055 000056 000058 000059 000060 000061 000062 000063 000064 000065

INSURERS NIA-710802 NIA-712402 NIA-712402 NIA-712402 NIA-712402 NIA-712402 NIA-712402 NIA-712402 NIA-712402 NIA-712402 NIA-711207 NIA-711207 NIA-711105 NIA-711207 NIA-711207 NIA-711207 NIA-711207 NIA-711207 NIA-711207 NIA-710403 NIA-710601 NIA-710601 NIA-710601 NIA-710803 NIA-712401 NIA-712401 NIA-712401 NIA-712401 NIA-712401 NIA-712401 NIA-712401

THE EVER READY UNIVERSAL GUIDE

CLAIM # 36/89-90 89/27 88/119 90/54 89/187 89/174 89/147 89/144 89/133 89/132 90/56 90/38 88/15 79/90 16/89 19/90 90/68 90/67 82/90 1991/40 80/89-90 139/89-90 146/89-90 83/90 7/A/144 88/A/57 88/A/67 89-90/62 89-90/96 89-90/168 89/A/41

PS CODE E3 R5 V2 K4 R4 R2 C2 W1

R1 D2 O2 C5 B1 J1 J5 V2 J3 E3 R6 34

Feb 2003

PS PIN

Cr # 426/90 1300/89 783/88 1656/89 894/89 1740/89 46/89 143/89 450/88 1178/88 1083/89 64/90 24/88 270/89 1543/88 55/90 55/90 74/90 472/89 644/90 1840/89 654/89 463/89 799/88 1757/87 992/87 170/88 1246/89 2990/89 209/90 53/89

Vol. 1 Issue 2

AR # 000066 000067 000068 000069 000070 000071 000072 000073 000074 000075 000076 000077 000078 000079 000080 000081 000082 000083 000084 000085 000086 000087 000088 000089 000090 000091 000092 000093 000094 000095 000096

INSURERS NIA-712401 NIA-712401 NIA-710902 NIA-710902 NIA-710902 NIA-710902 NIA-712002 NIA-710802 NIA-710904 NIA-712104 NIA-712104 NIA-710802 NIA-710803 NIA-710903 NIA-710103 NIA-710803 NIA-710803 NIA-712003 NIA-710904 NIA-712402 NIA-712002 NIA-710901 NIA-710803 NIA-712104 NIA-710904 NIA-710801 NIA-710103 NIA-710801 NIA-710803 NIA-710803 NIA-712004

THE EVER READY UNIVERSAL GUIDE

CLAIM # 89-90/165 88/A/68 89-90/056 89/A/25 89-90/29 89-90/038 90/43 70/1991 1991/174 31/91 90/98 73/1991 97/90 91-92/007

PS CODE R1 V1 F2 E4 P1 O2 O2 E3 G1

11/91 137/1991 1991/33 91-92/27 1991/49 991/032

B1 E3 B1 R6 R6 G3 P5 E3

G1 F4 K4

153/1991 91/19 1991/251 88/089 90-91/18 90-91/21 151/1991 228/89-90 91-92/23

F1 G3 J1 R3 D1 B1 35

Feb 2003

PS PIN

600007

600007

Cr # 24/90 657/88 1245/89 130/89 453/89 727/89 124/90 423/90 639/90 588/91 235/91 745/90 577/90 554/91 932/90 1040/90 259/91 30/91 1047/90 323/90 177/88 354/91 554/91 161/91 558/88 I125/90 35/90 382/91 31/90 892/89

Vol. 1 Issue 2

AR # 000097 000098 000099 000100 000101 000102 000103 000104 000105 000106 000107 000108 000109 000110 000111 000112 000113 000114 000115 000116 000117 000118 000119 000120 000121 000122 000123 000124 000125 000126 000127

INSURERS NIA-712004 NIA-710904 NIA-711403 NIA-710803 NIA-710803 NIA-710202 NIA-710202 NIA-710202 NIA-712004 NIA-712004 NIA-712004 NIA-712004 NIA-710802 NIA-711302 NIA-710803 NIA-710803 NIA-710803 NIA-710802 NIA-710802 NIA-710803 NIA-710802 NIA-712004 NIA-710803 NIA-710803 NIA-710103 NIA-710802 NIA-710803 NIA-710803 NIA-710803 NIA-710203 NIA-710203

THE EVER READY UNIVERSAL GUIDE

CLAIM # 90-91/31 90-91/234 91/599 68/91 26/91 89/180 90/91 90/156 91-92/11 91-92/17 91-92/30 27/91-92 95/91-92 91/113 34/91-92 65/91-92 76A/91-92 138/90-91 146/91-92 27/91-92 84/91-92 89/066 108/91-92 110/91-92 90-91/051 85/91-92 75/91 146/91-92 138/92 92/01 92/43

PS CODE B2

R2 E4 R2 K5 K2 B1 B2 B2 E5 K3

E3

K4 R1 P1 R1 F5 R1 P2 H3 F4 36

Feb 2003

PS PIN

Cr # 603/90 29/91 103/91 1708/91 1166/90 280/90 1946/90 99/91 242/91 290/91 351/91 399/91 830/90 1579/91 611/91 818/91 167/90 339/91 101/91 235/91 751/91 35/87 2250/91 1195/91 691/91 1551/91 1303/91 263/92 167/92 16/92 734/91

Vol. 1 Issue 2

AR # 000128 000129 000130 000131 000132 000133 000134 000135 000136 000137 000138 000139 000140 000141 000142 000143 000144 000146 000147 000148 000149 000150 000151 000152 000153 000154 000155 000156 000157 000158 000159

INSURERS NIA-710803 NIA-720205 NIA-720902 NIA-720902 NIA-710202 NIA-710803 NIA-710803 NIA-710601 NIA-720300 NAT-570104 UI-012001 NIA-710802 UI-010905 OIC-412001 NIA-710803 NIA-710803 NIA-720900 OIC-411601 NIA-710500 UI-020604 UI-010802 UI-010804 UI-010303 UI-010303 UI-010303 UI-010905 UI-010303 UI-010804 UI-010804 UI-010804 UI-010804

THE EVER READY UNIVERSAL GUIDE

CLAIM # 181/92 92/43 92/17 92/15 92/2 145/92 145/92 91-92/159

PS CODE J5

J1 N1 F4 B1

63/90-91/012 117/91-92 10883/92 MV/64/93 OD/92/7 257/92 OD/93/5 MV/53/93 OD/91/459

E1 R2 R1 K3 R1 F2 R1 G3 K8 K8

2176/99 1033/99

331/99

G2 815/99 904/99 762/99 969/99

Feb 2003

PS PIN

Cr # 490/92 261/92 398/91 2828/91 443/92 368/92 1492/91 51/92 75/91 2931/91 2052/92 3336/92 118/92 2963/92 261/93 1588/92 1509/91 1622/2000 174/2000 160/2000 2025/99 910/99 850/99 1418/99 1242/99 1967/99 768/99 519/99

37

Vol. 1 Issue 2

AR # 000160 000161 000162 000163 000164 000165 000166 000167 000168 000169 000170 000171 000172 000173 000174 000175 000176 000177 000178 000179 000180 000181 000182 000183 000184 000185 000186 000187 000188 000189 000190

INSURERS UI-011400 UI-011400 UI-010504 OIC-421304 UI-010305 UI-011402 UI-011400 NIA-710602 UI-010905 NIA-712003 UI-010103 UI-010101 UI-010500 UI-010101 UI-010500 UI-010500 UI-010500 UI-010500 UI-010500 UI-010500 UI-011400 UI-010905 UI-010504 UI-011400 UI-011402 UI-010300 UI-011400 UI-011200 UI-011402 UI-010303 UI-010804

THE EVER READY UNIVERSAL GUIDE

CLAIM # 10435/99 10380/99 220/99

PS CODE G1 C4 F4 D3

4230 10478/99

R4 R1 K4 V5

1013/93 54/89 10/91 2234/88 19/91

Feb 2003

PS PIN 600007

K4 R2 V1 V1

1496/89 2254/88 2240/88 1273/87 2251/88 10542/99 632/2000 289/99 10226/99 4301

K3 G1 O2 K8 G1 G1 R1 E4 J1 K3 R1 E5 C1

20058/2000 17/2000 3275/98 254/98 38

600007

600007 600007

Cr # 1389/99 535/99 854/99 763/99 2459/99 2225/99 1604/99 2048/98 379/93 1589/89 465/91 262/91 317/88 1099/88 1231/89 216/88 417/88 1755/87 479/88 42/2000 35/2000 2148/99 972/99 39/2000 1564/99 723/2000 402/2000 41/99 1757/98 3772/97

Vol. 1 Issue 2

AR # 000191 000192 000193 000194 000195 000196 000197 000198 000199 000200 000201 000202 000203 000204 000205 000206 000207 000208 000209 000210 000211 000212 000213 000214 000215 000216 000217 000218 000219 000220 000221

INSURERS 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 UI-011401 UI-10303 UI-010804 NAT-500500 UI-010804 UI-010300 UI-010303 UI-010502 UI-010905 UI-011401

THE EVER READY UNIVERSAL GUIDE

CLAIM #

PS CODE J2 E3 V1 C3 N3 D5 R8 J2 D1 G3 G5 K4 R8 B4 E3 R1 E2 D3 G1 V5 V3 V2 E3 G1 V5 E6 XY G3 C1 E1 E1

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

113/2001

179/01 624/2000 04/01

39

Feb 2003

PS PIN

600005 600026 600020 600056 600010 600010 600040 600083 600044 600018 600017 600014 600005 600007 600101 600050 600093 600018 600007 600101 601203 600010 600003 600004 600004

Cr # 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 781/01 810/01 1082/01 1874/01 571/01 512/01 679/01 1708/00 946/01 1786/01 1853/01

Vol. 1 Issue 2

AR # 000222 000223 000224 000225 000226 000227 000228 000229 000230 000231 000232 000233 000234 000235 000236 000237 000238 000239 000240 000241 000242 000243 000244 000245 000246 000247 000248 000249 000250 000251 000252

INSURERS 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 UI-010303 UI-010804 UI-011400 UI-010801 UI-011400 UI-010303 UI-010100 UI-010804 UI-011200

THE EVER READY UNIVERSAL GUIDE

CLAIM #

PS CODE B1 D9 E3 D9 B6 G2 C2 E1 C6 E1 V4 R1 E3 R2 G1 G1 E4 D9 G1 D3 D4 R1 B4 C5 R3 D3 D4 D9 R4 G1 K4

31676 31743/01

00351/01 31789/01 00208/01

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

30054/01

31272/01 567/00

40

Feb 2003

PS PIN 600016 600005 600018 600005 600045 600003 600079 600004 600064 600053 600099 600017 600018 600024 600007 600007 600102 600005 600005 600087 600017 600044 600001 600083 600005 600087 600005 600017 600007 600040

Cr # 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 81/01 264/01 484/01 536/01 237/01 192/01 659/01 392/01 780/01 182/00 1106/01 1216/01

Vol. 1 Issue 2

AR # 000253 000254 000255 000256 000257 000258 000259 000260 000261 000262 000263 000264 000265 000266 000267 000268 000269 000270 000271 000272 000273 000274 000275 000276 000277 000278 000279 000280 000281 000282 000283

INSURERS 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 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700 NIA-612700

THE EVER READY UNIVERSAL GUIDE

CLAIM #

PS CODE ZYX R6 E3 R4 R1 R3 D2 B6 E3 J2 C9 II(T) CHI NULL MRP CCS CCS CCS CCS RNG CCS CCS CCS CCS CCS CCS CCS CCS CCS KPM KPM

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 00582/02 00606/02 00660/02 00679/02 00696/02 00697/02 00038/02 00079/02 41

Feb 2003

PS PIN 603001 600083 600018 600017 600017 600083 600116 600045 600080 600020 600041 508001 500020 517502 517502 517502 517502 517502 517502 517502 517502 517502 517502 517502 517502 517502 517502

Cr # 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 20/01 129/00 180/01 505/00 252/01 275/01 84/00 422/01 388/01 364/01 490/01 60/01 145/01

Vol. 1 Issue 2

AR # 000284 000285 000286 000287 000288 000289 000290 000291 000292 000293 000294 000295 000297 000298 000299 000300 000301 000302 000303 000304 000305 000306 000307 000308 000309 000310 000311 000312 000313 000314 000315

INSURERS 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 NIC-603804 NIC-603804 NIC-603800 NIC-602000 NIC-602000 NIC-602000 NIC-602500

THE EVER READY UNIVERSAL GUIDE

CLAIM # 00106/02

PS CODE ECS LWP D2 MLY GMD GB DNG ODN GB GB RDP BVN R5 R1 VLR G2 D2 C3 G9 NULL KML KDR MLP MNP MAD CKM NULL KRM BSN CBP KWP

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 6200063/01 6200109/01 5102418/01 00/61/04 01/61/287 98/61/40 00/62/6 42

Feb 2003

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

Cr # 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 560068 577101

20/01 172/01 59/01 179/01 795/01

560095 560004

176/00 510/01 420/98 63/00

Vol. 1 Issue 2

AR # 000316 000317 000318 000319 000320 000321 000322 000323 000324 000325 000326 000327 000328 000329 000330 000331 000332 000333 000334 000335 000336 000337 000338 000339 000340 000341 000342 000343 000344 000346 000347

INSURERS 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 NIC-602401 NIC-602401 NIC-602401 NIC-602401 UI-012001 UI-010804 UI-010300

THE EVER READY UNIVERSAL GUIDE

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

PS CODE 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 MLV MND W MND W NULL F1 E4 F2 43

Feb 2003

PS PIN

580032 580032 580020 580020 581110

571201 571201 571401 571421 571401 571401 572101 571401 571401 571401 600054 602102 600008

Cr # 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 15/01 74/01 119/01 227/01 67/02 818/01 277/02

Vol. 1 Issue 2

AR # 000348 000349 000350 000351 000352 000353 000354 000355 000356 000357 000358 000359 000360 000361 000362 000363 000366 000367 000369 000370 000371 000372 000373 000374 000375 000376 000377 000378 000379 000380 000383

INSURERS 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 UI-010905 UI-010303 UI-010300 UI-010303 UI-010804 UI-011400 UI-10502

THE EVER READY UNIVERSAL GUIDE

CLAIM #

00022/01

Feb 2003

PS CODE E1 F2 GL E1

PS PIN 600053 600008 585102 600053

Cr # 90/02 129/02 198/01 760/01 135/01

F2 G3

600008 600010 632014 600017 600007

1749/01 1682/01 170/01 844/01 2190/01 184/00 1359/01 617/01

22-Jan 49/01 28-Jan 77/00

R1 G1 KRT K2 F3 RCH KRT

044/00

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

F3 D3 R3 C2 J3 C3 E3 V2 B1

865/01

297/01 73/02 00244/02 44

600023 600072 584101

77/01 197/012

600072 600005 600083 600114 600032 600001 600092 600016

615/01 539/02 401/02 63/02 81/02 170/02 1048/02 433/02

Vol. 1 Issue 2

AR # 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 000410 000411 000412 000413 000414 000415

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

THE EVER READY UNIVERSAL GUIDE

CLAIM #

PS CODE B4 J2 B5 D2 J2 C1 K1 NULL E4 R3 D9 G1 F6

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

J1 R7 D2 G3 R7 F1 G1 C2 J3 J3 H9

159/02 205/02

104/00 136/00 18/01 59/01 63/01 94/01 45

Feb 2003

PS PIN 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 # 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 6/01 43/01 164/01 177/01 267/01 266/01

Vol. 1 Issue 2

AR # 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 000449 000450 000451 000452 000453

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

THE EVER READY UNIVERSAL GUIDE

CLAIM # 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 86/99 115/99 116/99 137/99 144/99 088/00 152/00 190/00 099/01 309/01 119/02 125/02 140/01 110/01 199/01 221/01 234/01

PS CODE

Feb 2003

PS PIN

E8

R1 J6 E3 R1 B1 G2 D1 G3 D9 G3 G1 G2 G1 K6 F2 C8 N1 F2 G1 R1 G5 F3 P6 46

600017 600016 600053 600005 600010 600005 600010 600007 600003 600060 600008 600045 600013 600008 600007 600017 600010 600034 600118

Cr # 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 1893/01 826/01 5699/01 216/02 156/02

Vol. 1 Issue 2

AR # 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 000481 000482 000483 000484

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

THE EVER READY UNIVERSAL GUIDE

CLAIM # 228/01 02/02 726/02 172/99 183/99 186/99 201/99 205/99 214/99 04/00 14/00 28/00 65/00 108/00 125/00 128/00 172/00 201/00 104/01 108/01 128/01 137/01 143/01 160/01 178/01 193/01 199/01 205/01 01/202 00/348 239/01

PS CODE T9

PS PIN 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 G1

600114

F3 47

Feb 2003

Cr # 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 2488/01 314/01 16/01 1416/01

Vol. 1 Issue 2

AR # 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 000515 000516 000517 000518

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

THE EVER READY UNIVERSAL GUIDE

CLAIM # 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 00-01/249 313/01 00-01/271 319/01

PS CODE F2

R1

V5

E4

R1

E4 D4 48

Feb 2003

PS PIN

Cr # 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 1244/01 870/01 135/02 81/02

Vol. 1 Issue 2

AR # 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 000547 000548 000549 000550

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

THE EVER READY UNIVERSAL GUIDE

CLAIM # 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 01/114 01/153 01/183 182/02

PS CODE

Feb 2003

PS PIN

E4 D6 R8 C2

E4

K3 F4 R1 V2 K10 F3 D1 K3 R1 R1 R3 R4 K4 G3 F4 J2 49

600029 600017 600092 600107

600029 600017 600083 632007 600040 600005 600052 600032

Cr # 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 1352/01 837/01 1183/01 1259/02

Vol. 1 Issue 2

AR # 000551 000552 000553 000554 000555 000556 000557

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

THE EVER READY UNIVERSAL GUIDE

CLAIM # 01/344 01/193 187/02 02/55 192/02 02/168 02/169

Feb 2003

PS CODE

PS PIN

J2 C8 K8 D4 F2 K6

600020 600106 600008

Cr # 281/02 2050/00 562/02 665/02 411/02 1154/02 1075/02

Note: At the time of going to press there is no information as to the recovery of vehicles cited in these columns. We request the Police authorities to intimate either the Insurers or our Office for updating the lists.

ATTENTION INSURERS We are sending this Monthly “THE EVER READY UNIVERSAL GUIDE”, in which we give details of stolen vehicles in a Ready Reckoner format, one copy each to ALL Regional offices of Insurance Companies and District HQ of Police all over India, FREE OF COST, for better recovery/loss minimization. There is no charge for Compilation. You may send as many entries as required. As soon as a claim is reported (stolen vehicles), attested copies of RC, FIR and Policy (with Claim Number) may be sent to us and we will compile them FREE OF COST in the list and publish in the next issue.

SUBSCRIPTION The subscription is open to Insurance companies, Banks, Financial institutions, Members of Claims Investigators Association of India and Licensed Insurance Surveyors only. Individual copy Rs 100/Half yearly Rs 550/Yearly Rs 1000/50

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

INTERESTING CASE HISTORY: 2 Burglary claim concerning loss of bare copper wires and PVC coated wires from a wire manufacturing company: A PVC-coated cable-manufacturing unit preferred a claim on the Insurers for the loss of copper raw materials used for manufacturing PVC coated cables of various configuration. A Surveyor was duly appointed. On his recommendations the Insurers proceeded to process the claim. At the time of finalizing the claim papers, the claims processing officer felt that, since it is a burglary claim, an independent investigator’s report is in order. The case was referred to an independent investigator. Salient features of the claim are given below: 1. Reported date of occurrence as per the claim form – 11.6.1991 midnight 2. Reported value of loss as per the FIR - Rs. 35,000/3. Date of reporting to the Police as recorded in the FIR – 17.6.1991 @ 19.30 hours 4. In the complaint lodged with the Police there is no mention about the date of occurrence! 5. The Final Surveyor of the Insurance Company assessed the Loss as Rs 51,600/and the fixed the liability of the Insurers at Rs 41,200/-. On going through the papers, it was found that the entire survey report dealt with stocks and cost values and the assessment was made on the basis of financial audit. The factory was producing PVC coated copper cables in various configurations. On verification of the books of 51

Feb 2003

the company it was found that the issue of raw materials in the form of copper wires of various gauges by weight whereas the production and finished goods are accounted by their lengths. Stock/production and sales control is done purely through financial statements and there was no records showing issues, production and dispatches in the same unit. The reason being that the copper wire is coated with PVC and hence could not be accounted for by weight. The Investigator took stock of all materials and found some anomaly in the stocks affected in the reported burglary. The Investigator obtained a copy of the stock registers pertaining to the previous year. The production, dispatch and sales figures were brought under one unit that is into kilograms. Tables by cable manufacturers show the weight of copper in each kM of cable of various configurations. Through this the copper used in each category of cable was obtained and issues, production and dispatches were correlated. Finally it was found that there was an inventory loss on closing of previous years production figures, which were cleverly camouflaged in financial accounting and passed on. When an opportunity arose in the form of an attempted burglary the entire inventory loss was passed on as loss through burglary. The Surveyor also had not explored this aspect and conveniently ignored it. To ascertain further the investigator took another route and dug up proof that the entire claim was fabricated. The factory truss is situated at about 8 metres from the floor and the Asbestos Corrugated Cement sheet, which

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

THE EVER READY UNIVERSAL GUIDE READY RECKONER SECTION III

DETAILS OF RECOVERED VEHICLES

AS RECEIVED FROM POLICE/INSURERS

52

Feb 2003

Vol. 1 Issue 2

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 #

Feb 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

53

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

(Continued from Page No.49) was removed from the roof, is the second sheet making it another one meter. Thus bare copper bundles of 35 kg has to be moved from the stores in the corner of the shed to the center crossing many machineries and other obstacles. Lifting to that height require another couple of men on the top. All other evidences pointed that there was no other suspicious activity in the neighbourhood except some rowdy element came brandishing a knife threatening watchmen of neighbouring factories including the Insured factory. There was no other incident of any vehicle parking near the Insured factory to carry the reported 14 bundles of copper and cables. Thus the Insured’s bluff was called and the claim was repudiated. In presenting the report seven pages of calculations, two pages of comparisons and one full page of conclusion formed part of the nineteen-page report. ALL ABOUT INVESTIGATIONS –2 Work Assignment - What to ask for – Mediclaim The Mediclaim is one area where the types of diseases and medical treatments taken are more varied than any other class of Insurance. The investigation into such claims requires a lot of perseverance and patience on the part of the investigator. Even though medical opinion is obtained from qualified doctors, verification of medical documents is entrusted to a very experienced general practitioner of Insurance Investigations. To start with, the Insurers pick and choose such investigators who can give corroborative evidence either to admit or repudiate the claim. Hence the Investigator must 54

Feb 2003

be able to ask for such relevant documents available with the Insurers. Of course after verifying and choosing the documents required for the Investigations he should take only the photocopies leaving the originals with the Insurers. Normally the following documents are submitted by the Insured in support of his claim. 1. Claim form duly filled and certified by the Doctor 2. Discharge summary from the Hospital 3. Medical reports – Lab reports – X Ray reports ECG reports etc 4. Bills from the hospital, Pharmacies and Labs 5. Receipts from Hospital, Surgeon, Attending Doctors etc 6. In the event of Road Traffic Accident (RTA), First Information Report (FIR) from the Police and Accident Report (AR) issued by the hospital which admits him immediately after the accident etc. The investigation on Mediclaim Policy Claims, is mostly resorted to ascertain 1. The genuineness of the records 2. Misrepresentation if any 3. A claim made without getting the treatment and by fabricating records 4. Pre-existence of disease in the Insured 5. Suspicious nexus between Doctors, middlemen and Insured (especially in group Mediclaim policies) – symptoms – sudden increase in claims from one locality Thus it is important to glance through the documents available with the Insurers and make

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

a rough assessment of the requirements of the Insurers and generally ascertain the documents required to be taken for investigation. In cases of complicated cases it would be prudent to take photocopies of bills also for analysis. They have their own story to tell!

Feb 2003

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Note : After going through our pilot issue many questiones wereraised Question from many are

PLEASE NOTE We may add a word of caution here. In any new system, the results come only after trying it out and correct any shortcoming then and there. The system projected in these columns are conceived and fine tuned with the requirement of the Police in mind in the first place AND the benefit of the system goes to the Insurance companies by way of better recoveries achieved with lesser manpower and stream lined procedures. After recoveries, keeping them in safe custody till cleared by the concerned Court poses a problem to the Insurance companies by way of additional expenditure in garage rental and deterioration of recovered vehicles during prolonged storage. We have already outlined how this problem can be tackled in our January Issue (page 48).

ALL ABOUT INVESTIGATIONS - 3 Work Assignment - what to ask for – Marine (Cargo) Transit Marine Transit Claims are normally arises out of Pilferage, Road Traffic Accident, Natural Calamities like fire, flood, Storms and sometimes sinking of ships in the oceans etc. In this type of claims the investigator must be thorough in the working of trades, the rules and regulations governing the trades and keep abreast of news items that come out of the Press. While collecting the documents for investigation, the Investigator gets the copy of the FIRST intimation from the Insured. The documents normally required for a Marine Transit investigation are: 1. Copy of Insurance Policy with all the conditions 2. The Bill of Lading 3. The Invoice 4. The Packing List 5. Deliver challan if any 6. Bill of entry 7. Way bill copies (make sure they are clear & Unambiguous) 8. Trip sheet copies 9. RR copies 10. FIR copies if available 11. Copies of Press notifications if any

Once this system is adopted and streamlined all over India, banks, financial institutions and other Government agencies may come out with extension of the system to suit their requirements and convenience.

almost similar. Hence we thought of giving this FAQ.

FAQ 1. What is the periodicity of the Publication? The periodicity is MONTHLY. 2. What is the subscription? The yearly subscription is Rs. 1000/Half-yearly subscription Rs. 550/3. Why, at all, do you need attested photocopies of RC, FIR and Policy? The data in the Ready Reckoner is compiled from the RC, FIR and Policy copies, sent by Insurers. Since the Ready Reckoner is for the use of the Police department, integrity of the source is important. If the Police department comes back with the query from where we get the data we must be able to substantiate the correctness of data entered. Authentication of the photocopies of documents is absolutely essential. Hence the attestation. 4. What is the meaning of sponsoring the neighbourhood Police station? We are sending one copy each to Head quarters of Police in every District across the country FREE of cost. For more effective use of the system, it is desirable that each and every police station gets this publication. Sending free copies to them is not economically viable for us. If Insurance companies/Banks/Financial/Institutions/NGOs sponsor the subscription it will help

For any enquires Please contact : Amaran Register Private Ltd. 75, Arya Gowda Road, West Mambalam, Chennai - 600 033. Phone : 044-24741967

E-mail : [email protected] 55

the cause. The issues will be sent to the sponsored Police station directly. 5. What is the area of circulation? This publication is being sent to each and every HQ of Police districts across the country. The area of circulation is the entire country. The Chief Met ropolitan Magistrate, Chennai, on 6th 56

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Letter of Authentication for Ready Reckoner Entries

January 2003, has authenticated this publication and the RNI formalities will be over after the third issue is out. If need be the area of circulation may be extended to other countries also. 6. Regarding the data published in the Monthly?

From

Date:

Only a few offices of the Insurance companies have provided the data given in the RR. If more offices provide the data, this check list will become more comprehensive and yield better results. The basis of this Ready Reckoner is the attested documents sent in by Insurance companies. This system is for them to use. There is no compilation charge. It is free.

To 7. Is advertisement Mandatory? Advertisement is not mandatory. There is no compulsion. If advertisements are placed in this publication it will help the cause. That is all. There is no string attached to collection of Data and compilation. It is absolutely free for the Insurers. 8

M/s Amaran Register Private Ltd., A6 Raviram Apartments New # 75, Arya Gowda Road West Mambalam Chennai 600033

Whether it will be useful to our Insurance Company? We do not have an immediate answer to this! The entire exercise is towards evolution of a new system through which the Police, Insurance companies and other Law enforcement

Dear Sirs

agencies can save time and energy. As the saying goes – the proof of the pudding is in the

Re: Ready Reckoner Entries

eating. We invite you to use it and see the difference.

company – other questions lead to this ultimately and we thought it fit to answer this also) :

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 legal system and governing laws are like a big sieve, through which bad elements are

The number of sets enclosed are_____(_______________)

9. Purpose of this publication (even though this question was not posed by any Insurance

supposed to be separated and identified. Unfortunately in our country the grids are wide

Please do the needful

apart, with the result criminals escape easily and the Law enforcing agencies end up with ridicule for no fault of theirs. With this publication we have attempted to add few more grids to the sieve. The Insurance companies can add more grids by providing data on stolen vehicles that come under claim. This way, together, we make it easier, at least in one area, i.e. tracing stolen vehicles, for the Law enforcing agencies to function and which is bound to improve

Seal

Signature of Authorized officer

results all round. 57

58

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Vol. 1 Issue 2

Details of Recovered vehicle from Police Stations 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

_________________________

THE EVER READY UNIVERSAL GUIDE

Feb 2003

SUBSCRIPTION FORM

From

Date:

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

Chassis number on physical verification _________________________

Chennai – 600 033 Engine number of physical verification _________________________ Full address, where the vehicle was recovered: Dear Sirs, Crime Number & Section under which case is registered: We enclose a DD Number __________________ drawn on Nearest office of the Insurance company where the intimation of recovery given: Remarks if any: -

_____________________Bank in favor of Amaran Register Private Ltd. payable at Chennai, for Rs. 1000 /- (Rupees One Thousand only) as yearly subscription to THE EVER READY UNIVERSAL GUIDE for one year.

Signature of Officer in charge

(seal)

(Please fill up in English only) 59

Office seal

Authorized Signatory 60

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Vol. 1 Issue 2

THE EVER READY UNIVERSAL GUIDE

Feb 2003

Details of vehicles recovered and waiting for disposal Loss Analysis Input 1. Make of Vehicle

:

________________________________

2. Model

:

________________________________

3. Date of theft

:

________________________________

4. Date of recovery by Police

:

________________________________

5. Date of possession taken by Insurance Company

:

________________________________

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

6. Approximate value at the time of taking posession

:

________________________________

7. Date of disposal

:

________________________________

For Membership please apply with self-addressed

8. Value realized on disposal

:

________________________________

stamped envelope to

9. Loss of revenue on account of delay in disposal

:

________________________________

General Secretary /President Claims Investigators Association of India

10. Additional expenses incur red in keeping the vehicle in safe custody

:

________________________________

11. FIR/Return of Property Order Numbers

:

________________________________

Printed by

12. Insurers DO/BO code

:

________________________________

Published by : Ms. AMBICA ANANTHAN on behalf of AMARAN REGISTER PRIVATE LTD. Published at : # 75, Arya Gowda Road, West Mambalam, Chennai - 600 033.

12, Ram Nagar 5th Street, Nanganallur, Chennai – 600 061

Editor

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

: P. ANANTHAN

Authorized Signatory of Insurers 61

62