Vehicle road accident ke baad Insurance claim kaise kare.( How to claim insurance after vehicle road accident.)

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Hello,
friend's aaj is post mein aap sabhi ko Vehicle road accident hone par insurance claim kaise kare aur vehicle accident hone par kya kare, yadi hamara insurance nahi hai aur kisi vehicle se road mein accident ho jaye to kiase compensation le, Aur yadi koi agyat (unknown) vehicle accident kar de to aise me claim kaha kare ki us accident ka compensation mil jaye. To dosto aap ke in sare question ke answer aaj hum aapko dene ja rahe hai.

Yadi is time in logo ko financial help mil jaye to inko aur inki family walo ko financial problem ka samna na karna pade. In sab se bachne ke liye hum aur aap sabhi apna aur apne vehicle ka insurance karva lete hai taki in future hume kisi bhi financil problems ka samna na karna pade, aur hum accident ka insurance claim karke insurance company se financial help mil jaye.

Agar is time hum thodhi si samjhdari se kam le to  hume insurance claim karne ke time kisi bhi problems ka samna nahi karna padega. Yadi vehicle accident mein kisi bhi vyakti ki mout (die) ho jati hai to aise mein uske parivar walo par dhukho ka pahad toot padta hai aur financial problems ka samna karna padta hai. Hum aapko badi asani se batayenge ki Insurance claim ke liye kya karna hoga.

Har roj aap sabhi log TV news mein or newspaper mein road accident ki new padhty or sunty bhi hai ki road accident hone se kai logo ki jaan gayi or kai log ghayal hue hai.

Sabse pahle baat yah aati hai ki vehilce accident hone par kya kare taki insurance claim ke time problem na ho? 

1. vehicle accident hone par sabse pahle khud aur apne sath baithe sathiyo ko vehicle se safe bahar nikalne chahiye. Yadi aap ki condition aisi nahi hai aap bahar nika paye to aise mein help ke liye pukariye taki vaha par agar koi aapki awaj sunega to turant ayega.
2. Apne mobile se turant ambulance ko phone kare taki sahi time paar apko aur apke sathi ko medical treatment mil jaye aur jaan bachai ja sakey. 
3. Police ko bhi phone kariye aur police ke ane par accident se related puri information dijiye taki First Information Report likhi ja sakey.
4. Yadi aap is condition mein nahi hai to apne pass ke kisi bhi vyakti se phone krva dijiye police aur ambulance dono ko taki sahi time paar ye dono aa jaye.
5. Incident place ki 4-5 photo apne mobile phone mein jarur lele ho sake to us jagah ki aur accident wali jagah ki video jarur bna le yadi aap aisi condition mein nahi hai to us jagah mein moujood kisi vyakti se kah di ki vah photo aur video bna le, taki insurance claim ke time koi problem na aye.
6. Ab ye sab kaam ho jane ke baad jitna jadli ho sakey utni jaldi Insurance company ko phone kar ke accident ki puri accurate information bta de ki kya hua , kaise hua aur kab hua. agar insurance company ka number us time nahi hai to aise mein aap jab hospital se discharge hone ke bad ya accident ke ek din baad insurance company ko phone kar ke accident ki puri information jarur de, taki accident insurance claim karne time kisi bhi problem ka samna na karna pade.
7. Apni vehicle ke sabhi important document ko ek jagah collect kar le, First Information Report  ki ek copy,  Driving licence ki ek copy, vehicle registration ki ek copy (RC), aur bhi jo important document ho sab ko ek jagah collect kar le.
8. AB in sab ko karne ke baad jab insurance company se unka koi employee aata hai to usko accident se related sare document dikhaye aur apni vehicle se related sare document dikhaye aur claim ke bare mein malum kare aur claim ke liye aaply kar de.

Agar aapko koi vehicle takkar marde to aise mein claim kaise le means us vyakti se compensation kaise le ?

Aap logo ne aksar yah suna hoga ki road par walking karte time kisi vehicle wale ne kisi vyakti ka accident kar diya jiski vajah se us vyakti ko kafi gambhir roop se physical harm hua ya uski bone fracture ho gyi ya us physical harm se us vyakti ki mout (die) ho gyi. To aise mein claim kaise le yah question sabke mind mein aata hoga ki ab kya kare ?

Yadi aise hota hai kisi ke sath to vah sabse pahle yah kaam kare ki jis vehicle se apko takkar lagi hai us vehicle ka number Note karle. Ho sake to us vechilce ko drive karne wale vyakti ki full information le le. Accident karne wale vyakti ka information milne par us vyakti ke khilaf police station mein FIrst Information Report darj karva de.

Aksar har bar kya hota hai ki accident karne wala vyakti court ke chakar mein fasne se bachne ke liye compromise karke kuch rupya ka offer kar ke mamle ko rfa dfa kar deta hai.  Yadi aap chahe to us vyakti par court case file kar ke accident karne wali vehicle ki insurance company se 1-2 lakh rupya tak compensation pa sakte hai.
Yadi aap chahe to direct accident karne wale vyakti se rupya le sakte hai ya to fir us vyakti ki insurance company par case (mukadma) kar ke.
Accident wale vyakti ke khilaf mukadma karne ke liye aapko kisi advocate ke pass jana hota hai.

Agyat (unknown) vehicle se accident hone par claim kaise aur kaha kare ?

Aksar aap log yah sunte honge ya kai bar dekhte bhi honge ki accident karne wala vyakti vehilce ke sath accident karne ke baad turant bhag jata hai, aise mein us vehilce ka na to number note ho pata hai aur na hi us vyakti ki koi information hi malum ho pati hai, to aise mein yah question mind mein aata hai ki hum claim kaise aur kaha kare ki compensation mil jaye.
To sabse pahle hume us agyat (unknown) vehicle ke khilaf First Information Report police station mein darj kra de.

Yadi us accident se kisi bhi vyakti ki mrtiyu ho jati hai to aise mein District administration se claim pa sakte hai.
Motor vehicle Act ke Section 163 ke anusar agyat vehicle se accident hone par ya us accident se mrityu  hone par calim karne mein help karti hai taki compensation mil sake.
 Iske liye family ke member ke dwara ek form fill karna hota hai jo ki Section 163 ke anusar form Collector office ya court mein mil jata.

Is form ke sath family memeber ko document bhi lagane honge us vyakti se related jaise ; Us vyakti ka death certificate, mritak vyakti se sambandhit samanya dastavej bhi lagane honge.Calim se sambandhit puri janakri collector office mein bta  di jati hai.
Accident se gambhir physical harm hone par 25,000 tak ka compensation, aur yadi kisi vyakti ki mrityu ho jati hai to aise mein us vyakti ki family ko 50,000 rupees tak ka compensation mil jata hai.