Police department
Insurance Companies
Banks and Financial Institutions
A READY RECKONER
needs help from the Police. The ideal is spread in rural areas where day-to-day convinced that this is the first area to be Shri P. S. Ramamohan Rao, who made
solution would be; immediately after an livelihood is a battle. In such a situation concentrated in the path leading to the the Inaugural Address, asked many
accident the Insurance Industry must rush ANY INCOME IS WELCOME. final goal of TP Claim Control. The idea question. One of them was – what action
to the spot, negotiate and make an on-the- Accident that occurs inside a house is of AMARAN REGISTER OF LOST has been taken after the 25th Conference
spot assessment and settle the claim then converted to Road Traffic Accident and VEHICLE was born. held at New Delhi. Our answer to this
and there. IMPOSSIBLE? We are right from the FIR to the doctor’s
The 25 th All India Criminology question lies in the first Para of our Pilot
convinced that it is possible. But the first certificate and witness statements are
Conference held in New Delhi, attended Issue and the first Official Issue. It is a
step must come from the Insurance doctored to obtain a ruling from the
by the Publisher of this Monthly, was an quote from the souvenir released on that
companies. As a rule they await a court courts. Thus Insurance Companies suffer
eye opener and strengthened our occasion about crime control and
ruling before accepting their liabilities. loss by simple OMISSION.
conviction and the preparation was on coordinated action on the part of all
This one aspect creates possibilities for
As Insurance Investigators we made way to launch this Publication. We took sections of Society. We, basically evolved
defrauding by unscrupulous elements.
an attempt to resolve this issue, an onerous the plunge and released a Pilot issue and from being Insurance Investigators, took
Analyzing the whole issue, it is distilled
task. But it is not impossible. It is our sent all over India for assessing the the quote seriously and the Publication is
to the fact that a system has been evolved
conviction and belief that this can be impact. The response was encouraging born.
over the years by commission or
achieved by methodical approach to the and we took the next step. The whole
omission. Thus there is only one way to
relationship between Insurance schematic was reviewed; name of The Theme Paper presented by Shri
resolve this contentious issue. Change the
Companies and Police. One common area publication changed from “Amaran K. Radhakrishnan, I.P.S, Inspector
system! Is it Possible?
is the subject of stolen vehicles. Police Register of Lost Vehicles” to “The Ever General of Police (DVAC, Chennai –
“WHY NOT?” have unearthed in the past illegal set ups Ready Universal Guide” and all formerly Commissioner of Police
acting like parallel RTOs, forging formalities of authentication complied Coimbatore) highlighted the importance
This question must come from
documents like RC Book, Driving with on 6th January 2003. In the first of his strategy involving the civil society
Insurance companies for an effective
Licenses, NOCs etc. Before the Police official issue we had retained most of the
solution and the answer will evolve much completely to isolate the terrorists.
caught them, thousands of such forged articles and editorial from the Pilot Issue,
more quickly and the system revamped
documents would have found their way but the Ready Reckoner was updated with All the Police Officers who talked
in the near future. In TP claims, the
into the market and stolen vehicles gets DATA collected from Insurers. on various subject unanimously stressed
control is impossible without the active
re-registered at the regular RTOs and one point – that is - public participation
help from the Police. There is a general The 26 th All India Criminology
obtain LEGITIMATE REGISTRATION in the effort to prevent and control crime.
misconception in public that the Insurance Conference held at the University of
CERTIFICATE and get their Insurance There are many avenues through which
will pay for anything Middlemen utilize Madras on the 26th-28th of December 2002
cover in the RIGHT ROYAL ROUTE. It each individual can contribute towards
this and create avenues to defraud the just confirmed our path and goal. His
is upto the Insurance companies to weed
Insurance companies. India’s population this. Ours is this monthly publication.
out such vehicles. Thus we were Excellency, the Governor of Tamilnadu,
3 4
Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003 Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003
In spite of the sincere efforts of the Police Personnel, it is getting more THE EVER READY
and more difficult to weed out stolen vehicles that get regularized through
devious means (forged RC book, forged NOCs, and then re-registered through UNIVERSAL GUIDE
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.
19 20
Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003 Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003
SUZUKI MAX 100, 100 R, 100 DC (CONT’D) SUZUKI MAX 100, 100 R, 100 DC (CONT’D)
Chassis # AR # Engine # AR # Chassis # AR # Engine # AR #
1201 F 125617 000263 1201 M 181115 000263 9103 F 883258 000258 9104 M 962250 000202
1201 F 145694 000545 1201 M 191762 000545 9104 F 908901 000202 9108 M 052083 000520
1202 F 165289 000542 1202 M 220900 000542 9108 F 997297 000520 9109 M 076685 000363
1612 F 737196 000233 1612 M 783113 000233 9109 F 021549 000363 M 062776 000539
1704 F 794755 000293 1704 M 840647 000293
1704 F 803686 000469 1704 M 849464 000469 SUZUKI SAMURAI
1802 F 967127 000436 1802 M 014121 000436 Chassis # AR # Engine # AR #
1803 F 9839968 000537 1803 M 030983 000537 1801 F 950810 000154 1801 M 997697 000154
1805 F 034381 000507 1805 M 081551 000507 7003 F 594097 000271 7003 M 645256 000271
1810 F 130113 000200 1810 M 177717 000200 7011 F 776237 000278 7011 M 829189 000278
1810 F 141355 000362 1810 M 188837 000362 7011 F 792686 000523 7011 M 844882 000523
1811 F 169389 000399 1811 M 217243 000399 7101 F 839062 000516 7101 M 891935 000516
1812 F 181246 000420 1812 M 228847 000420 7103 F 886986 000255 7103 M 939966 000255
1901 F 204916 000228 1901 M 252988 000228 7103 F 889958 000231 7103 M 96358 000231
1903 F 273113 000467 1903 M 321348 000467 7309 F 378932 000256 7309 M 410607 000256
1904 F 285881 000160 1904 M 334375 000160 7405 F 422332 000435 7405 M 461641 000435
1907 F 355790 000478 1907 M 404918 000478 7506 F 523762 000459 7506 M 567176 000459
1909 F 419751 000444 1909 M 465819 000277 7508 F 534605 000266 7508 M 578029 000266
1909 F 421139 000346 1909 M 469357 000444 7509 F 554595 000401 7509 M 598124 000401
1909 F 433335 000246 1909 M 471128 000346 7510 F 56326 000440 7510 M 607448 000440
1909 F416078 000277 1909 M 483279 000246 7512 F 582000 000437 7512 M 625905 000437
1910 F 452211 000375 1910 M 502353 000375 7606 F 657393 000468 7606 M 701032 000468
1911 F 478084 000211 1911 M 528344 000211 7609 F 690377 000329 7609 M 735528 000329
541453 000253 584996 000253 7610 F 704676 000236 7610 M 749803 000236
7606 F 655012 000153 7606 M 699949 000153 7701 F 749799 000465 7701 M 795758 000465
8007852 000539 9011 M 826613 000356 7705 D 814776 000310 7705 M 860509 000310
9011 F 775028 000356 9101 M 886416 000397 7801 F 945788 000359 7801 M 006389 000217
9101 F 833466 000397 9101 M 887067 000446 7801 F 959361 000217 7801 M 006389 000398
9101 F 834115 000446 9102 M 912047 000283 7801 F 959361 000398 7801 M 992687 000359
9102 F 859034 000283 9103 M 936504 000258 7808 F 097878 000243 7808 M 145293 000243
21 22
Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003 Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003
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. THE EVER READY
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
UNIVERSAL GUIDE
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.
READY RECKONER
Similarly the addresses of the Insured and spot of occurrence are given SECTION II
without PIN code. This brings down the efficiency all round.Hence we request
you to note the PIN codes without fail.
--------------------
Wanted LIST ACCORDING TO AR #
Amaran Register Private Ltd is on the look-out for agents in all Districts
all over India -- IN ASCENDING ORDER
1. To collect advertisements for their monthly publication “The Ever Ready
Universal Guide” SHOWING CORRESPONDING DETAILS
2. To collect subscription from Insurance companies, banks and other finan-
cial institutions OF INSURERS, CLAIM REFERENCE,
Commission: 20% for advertisements collected & 10% for subscription
collected. POLICE CODE/PIN
Apply with self addressed stamped envelope to: AND CRIME NUMBER
M/s. AMARAN REGISTER PRIVATE LTD.,
A6 Raviram Apartments, New # 75, Arya Gowda Road,
West Mambalam, Chennai 600033.
31 32
Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003 Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003
INTERESTING CASE the company it was found that the issue of raw
HISTORY: 2 materials in the form of copper wires of various
gauges by weight whereas the production and
Burglary claim concerning loss of bare
finished goods are accounted by their lengths.
copper wires and PVC coated wires from a wire
Stock/production and sales control is done
manufacturing company: -
purely through financial statements and there
A PVC-coated cable-manufacturing unit
preferred a claim on the Insurers for the loss of
copper raw materials used for manufacturing
was no records showing issues, production
and dispatches in the same unit. The reason
THE EVER READY
being that the copper wire is coated with PVC
PVC coated cables of various configuration. A
Surveyor was duly appointed. On his
recommendations the Insurers proceeded to
and hence could not be accounted for by
weight.
UNIVERSAL GUIDE
process the claim. At the time of finalizing the The Investigator took stock of all
claim papers, the claims processing officer felt materials and found some anomaly in the stocks
that, since it is a burglary claim, an independent affected in the reported burglary. The
investigator’s report is in order. The case was Investigator obtained a copy of the stock
referred to an independent investigator. registers pertaining to the previous year. The
Salient features of the claim are given
below: -
production, dispatch and sales figures were
brought under one unit that is into kilograms. READY RECKONER
1. Reported date of occurrence as per the claim Tables by cable manufacturers show the weight
form – 11.6.1991 midnight of copper in each kM of cable of various SECTION III
2. Reported value of loss as per the FIR - Rs. configurations. Through this the copper used
35,000/- in each category of cable was obtained and
3. Date of reporting to the Police as recorded issues, production and dispatches were
in the FIR – 17.6.1991 @ 19.30 hours correlated. Finally it was found that there was
an inventory loss on closing of previous years
4. In the complaint lodged with the Police there
production figures, which were cleverly DETAILS OF
is no mention about the date of occurrence!
camouflaged in financial accounting and
5. The Final Surveyor of the Insurance
passed on. When an opportunity arose in the RECOVERED VEHICLES
Company assessed the Loss as Rs 51,600/-
form of an attempted burglary the entire
and the fixed the liability of the Insurers at
inventory loss was passed on as loss through
Rs 41,200/-.
burglary. The Surveyor also had not explored
On going through the papers, it was found
this aspect and conveniently ignored it.
that the entire survey report dealt with stocks
and cost values and the assessment was made To ascertain further the investigator took AS RECEIVED FROM POLICE/INSURERS
on the basis of financial audit. The factory was another route and dug up proof that the entire
claim was fabricated. The factory truss is
producing PVC coated copper cables in various
situated at about 8 metres from the floor and
configurations. On verification of the books of
the Asbestos Corrugated Cement sheet, which
51 52
Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003 Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003
Engine # Chassis # Crime # Police Station City State (Continued from Page No.49) be able to ask for such relevant documents
HEROHONDA SPLENDOR was removed from the roof, is the second sheet available with the Insurers. Of course after
98 B 17 E 03548 98 B 19 F 0350 C2 ELEPHANT GATE CHENNAI TAMILNADU making it another one meter. Thus bare copper verifying and choosing the documents required
00 G 18 E 16708 00 G 20 F 169912 C2 ELEPHANT GATE CHENNAI TAMILNADU
bundles of 35 kg has to be moved from the stores for the Investigations he should take only the
00 C 17 E 00724 00 C 19 F 00829 C2 ELEPHANT GATE CHENNAI TAMILNADU
94 F 17 E 00658 94 F 17 F 00608 C2 ELEPHANT GATE CHENNAI TAMILNADU in the corner of the shed to the center crossing photocopies leaving the originals with the
99 H 17 M 02792 99 E 17 F 01422 C2 ELEPHANT GATE CHENNAI TAMILNADU many machineries and other obstacles. Lifting Insurers.
to that height require another couple of men on
MAHINDRA BOLERO Normally the following documents are
the top. All other evidences pointed that there
DF 14821191 12 B 66452 305/02 KASABA CALICUT KERALA submitted by the Insured in support of his claim.
was no other suspicious activity in the
MAHINDRA ARMADA neighbourhood except some rowdy element 1. Claim form duly filled and certified by the
DW 43376 2 MW DW 43376 305/02 KASABA CALICUT KERALA came brandishing a knife threatening watchmen Doctor
MARUTHI 800 of neighbouring factories including the Insured 2. Discharge summary from the Hospital
F 8 B IN 1601747 SB 308 IN 2121619 95/00 PANNIYANKARA CALICUT KERALA factory. There was no other incident of any 3. Medical reports – Lab reports – X Ray
F 8 B IN 1667487 SB 308 IN 1220139 437/01 KASABA CALICUT KERALA vehicle parking near the Insured factory to carry reports ECG reports etc
MARUTHI ESTEEM the reported 14 bundles of copper and cables.
4. Bills from the hospital, Pharmacies and
F 10 A IN 178147 MA 3 EBD 21500 130428 305/02 KASABA CALICUT KERALA Thus the Insured’s bluff was called and the claim
Labs
was repudiated.
MARUTHI OMNI 5. Receipts from Hospital, Surgeon, Attending
IN 162360 728693 214/02 KASABA CALICUT KERALA In presenting the report seven pages of
Doctors etc
calculations, two pages of comparisons and one
MARUTHI ZEN 6. In the event of Road Traffic Accident
G 10 B IN 258330 MA 3 EYE 31500 263247 103/00 PANNIYANKARA CALICUT KERALA full page of conclusion formed part of the
nineteen-page report. (RTA), First Information Report (FIR) from
G 10 B IN 368910 MA 3 EYE 31500 375714 99/01 KASABA CALICUT KERALA
G 10 BIN 336629 MA 3 EYE 31500 342818 266/02 KASABA CALICUT KERALA the Police and Accident Report (AR) issued
ALL ABOUT INVESTIGATIONS –2 by the hospital which admits him
G 10 B IN 167102 MA 3 EYD 32500 608994 266/02 KASABA CALICUT KERALA
Work Assignment - What to ask for – immediately after the accident etc.
SUZUKI MAX 100 Mediclaim
1812 M 223665 1812 F 176052 D9 CHENNAI TAMILNADU The investigation on Mediclaim Policy
The Mediclaim is one area where the types Claims, is mostly resorted to ascertain
TATA INDICA of diseases and medical treatments taken are
AZZP 05465 6001 31 AZZP 05742 266/02 KASABA CALICUT KERALA 1. The genuineness of the records
more varied than any other class of Insurance.
TATA SIERRA The investigation into such claims requires a 2. Misrepresentation if any
483 DL 41578199 37700 3960224 214/02 KASABA CALICUT KERALA lot of perseverance and patience on the part of 3. A claim made without getting the treatment
TATA SUMO the investigator. Even though medical opinion and by fabricating records
LTQ 830928 385003 LTQ 942761 120/99 KASABA CALICUT KERALA is obtained from qualified doctors, verification 4. Pre-existence of disease in the Insured
KSQ 816020 385013 LSQ 947674 313/00 KASABA CALICUT KERALA of medical documents is entrusted to a very
HRQ 754431 385013 HRQ 919947 87/01 KASABA CALICUT KERALA 5. Suspicious nexus between Doctors,
experienced general practitioner of Insurance
JUQ 780701 385003 JUQ 920974 126/02 KASABA CALICUT KERALA middlemen and Insured (especially in group
Investigations. To start with, the Insurers pick
MYZ 724860 418201 MYZ 921603 303/02 KASABA CALICUT KERALA Mediclaim policies) – symptoms – sudden
and choose such investigators who can give
KYZ 722393 418201 KYZ 919089 305/02 KASABA CALICUT KERALA increase in claims from one locality
corroborative evidence either to admit or
YAMAHA repudiate the claim. Hence the Investigator must Thus it is important to glance through the
IL3 015919 98 B IL3 015919 D9 CHENNAI TAMILNADU documents available with the Insurers and make
53 54
Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003 Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003
a rough assessment of the requirements of the Note : After going through our pilot issue many questiones wereraised Question from many are
Insurers and generally ascertain the
documents required to be taken for
PLEASE NOTE almost similar. Hence we thought of giving this FAQ.
investigation. In cases of complicated cases We may add a word of caution here.
it would be prudent to take photocopies of bills
also for analysis. They have their own story
In any new system, the results come only
after trying it out and correct any
FAQ
to tell! shortcoming then and there. The system 1. What is the periodicity of the Publication?
projected in these columns are conceived
ALL ABOUT INVESTIGATIONS - 3 and fine tuned with the requirement of the The periodicity is MONTHLY.
Work Assignment - what to ask for – Police in mind in the first place AND the
Marine (Cargo) Transit 2. What is the subscription?
benefit of the system goes to the Insurance
Marine Transit Claims are normally companies by way of better recoveries
arises out of Pilferage, Road Traffic Accident, The yearly subscription is Rs. 1000/-
achieved with lesser manpower and
Natural Calamities like fire, flood, Storms and stream lined procedures. After recoveries, Half-yearly subscription Rs. 550/-
sometimes sinking of ships in the oceans etc. keeping them in safe custody till cleared
In this type of claims the investigator must be 3. Why, at all, do you need attested photocopies of RC, FIR and Policy?
by the concerned Court poses a problem
thorough in the working of trades, the rules
to the Insurance companies by way of The data in the Ready Reckoner is compiled from the RC, FIR and Policy copies, sent by
and regulations governing the trades and keep
additional expenditure in garage rental and
abreast of news items that come out of the Insurers. Since the Ready Reckoner is for the use of the Police department, integrity of the
deterioration of recovered vehicles during
Press.
prolonged storage. We have already source is important. If the Police department comes back with the query from where we get
While collecting the documents for
investigation, the Investigator gets the copy outlined how this problem can be tackled the data we must be able to substantiate the correctness of data entered. Authentication of the
of the FIRST intimation from the Insured. The in our January Issue (page 48).
photocopies of documents is absolutely essential. Hence the attestation.
documents normally required for a Marine Once this system is adopted and
Transit investigation are: - streamlined all over India, banks, financial
1. Copy of Insurance Policy with all the 4. What is the meaning of sponsoring the neighbourhood Police station?
institutions and other Government
conditions agencies may come out with extension of We are sending one copy each to Head quarters of Police in every District across the country
2. The Bill of Lading the system to suit their requirements and FREE of cost. For more effective use of the system, it is desirable that each and every police
3. The Invoice convenience.
station gets this publication. Sending free copies to them is not economically viable for us. If
4. The Packing List
5. Deliver challan if any Insurance companies/Banks/Financial/Institutions/NGOs sponsor the subscription it will help
6. Bill of entry For any enquires Please contact :
the cause. The issues will be sent to the sponsored Police station directly.
7. Way bill copies (make sure they are Amaran Register Private Ltd.
clear & Unambiguous) 75, Arya Gowda Road, 5. What is the area of circulation?
8. Trip sheet copies West Mambalam, Chennai - 600 033.
This publication is being sent to each and every HQ of Police districts across the country. The
9. RR copies Phone : 044-24741967
10. FIR copies if available E-mail : ananthan_p@hotmail.com area of circulation is the entire country. The Chief Met ropolitan Magistrate, Chennai, on 6th
11. Copies of Press notifications if any
55 56
Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003 Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003
January 2003, has authenticated this publication and the RNI formalities will be over after the Letter of Authentication for Ready Reckoner Entries
third issue is out. If need be the area of circulation may be extended to other countries also.
59 60
Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003 Vol. 1 Issue 2 THE EVER READY UNIVERSAL GUIDE Feb 2003
2. Model : ________________________________
Claims Investigators Association of India
3. Date of theft : ________________________________
(Regd. No. 7/2000)
4. Date of recovery by Police : ________________________________
# 12, Ram Nagar 5th Street, Nanganallur,
5. Date of possession taken
by Insurance Company : ________________________________ Chennai – 600 061. Phone: 22347501
email : cia.india@lycos.com
6. Approximate value at the
time of taking posession : ________________________________