The Ever Ready Universal Guide

Vol. 1 THE EVER READY UNIVERSAL GUIDE January 2003 Vol.
Vol. 1 THE EVER READY UNIVERSAL GUIDE January 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

Vol. 1 THE EVER READY UNIVERSAL GUIDE January 2003 Vol. 1 THE EVER READY UNIVERSAL GUIDE January 2003
INDEX EDITORIAL One of the areas where the Police

investigating officers find it more and
1 Editorial 1 “Crime control and prevention of more difficult is in tracing stolen vehicles.
2 Thank You Insurers 4 crime could not solely be the The amount of time and work they spend
3 How to use this Ready reckenor (Police department) 6 responsibility of the Police, the in each case is mind-boggling when one
prosecution, the courts and the considers the number of vehicles reported
4 How to use this Ready reckenor (Insurance companies) 7
correctional institutions but require full stolen across the country. To help them
5 Ready reckenor List (Chassis No./Engine No. - wise) 8
co-operation and coordinated action on in identifying stolen vehicles a Ready
6 Ready reckenor List (Ar No - wise Insurers/Police details) 28 the part of all the sections of the Reckoner of stolen vehicles by their
7 Subscription 43 society”—quote from the Souvenir Chassis numbers and Engine numbers are
8 We and our Social obligations 44 released on the occasion of All India prepared and given in this issue.
9 Extracts from an Investigation Report 45 Criminology conference conducted in
It is our sincere hope that this will
New Delhi during 1st to 3rd November
10 Quotable Quotes 46 be of some help to the Police officers
2001 by National Institute of Criminology
11 Cost of keeping them in safe custody and 47 engaged in routine checks in Parking Lots
& Forensic Science.
suggestions to reduce it to reasonable levels at Railway stations, Bus Terminals,
12 Banks and financial Institutions 48 There is a marked increase in the Airports, Public parking lots in busy
awareness of the need to strengthen the sections of the city, routine vehicle checks
13 Why every Division/Branch of Insurance Companies 49
hands of Police Investigating officers at on the Highways, Mechanic shops etc.
need this Ready Reckenor?
various levels of public. The main aim of There are vehicles being run with forged
14 Third Party Claims An Introduction 50
this publication is one such attempt. When RC books, which can be easily identified
15 All about Investigation - 1 we published a pilot issue and sent into a with this list.
16 The Hare and the Tortoise (True story!) 55 limited circulation in 1992, there was a Similarly, when they nab a culprit
17 Claims Investigators Association of India 58 spontaneous response from various and through him many vehicles, the time
18 Form of Authentication Letter for entries 59 Police Officials across the country. Due and money spent on connecting them to
to various factors it could not be their legal owners can be saved through
19 Form for Details of recovered vehicles 60
continued at that time. In the present this system. We will include a section on
20 Subscription requisition 61
scenario we decided to continue with our Recovered vehicles that will reach all
21 Importance of PIN 62 efforts. Insurance Companies. When the list of
stolen vehicles is complete and up to date,
1 2
the DETAILS OF RECOVERED the Police in identifying stolen vehicles, prevention efforts of the Insurance confidential in nature and hence the names
VEHICLES CAN which might have got an insurance cover Companies. Third party claims settlement of the Insurers, Insured and other
using forged documents. constitutes a major chunk of outflow of concerned agencies are withheld. The
BE HAD WITHIN MINUTES. The
In majority of the cases the every Insurance Company. In the present matter is more important and illuminating.
Police authorities may send the details
Insurance claims are settled after set up the time interval between the date The readers may find some of them similar
of recovered vehicles in the prescribed
verifying the RC book, which are not accident and the date of notice to the to cases handledby them.
form, which we can include in the
verified with the RTO unless some Insurance Companies is much and there
subsequent issue. We welcome valuable suggestions
discrepancy is found or in cases of theft. are many cases reported of manipulating
from Police officers, Insurance companies
Insurance companies who shell out records to defraud the Insurance
Physical verification of the vehicle’s and other Government agencies concerned.
huge amounts of money also can use this companies. Insurance Investigators are
Chassis Number is rarely done at the time
Ready Reckoner to weed out such indispensable tool to bring this aspect to P. Ananthan
of issuing a policy. This list can be used
vehicles, which come for Insurance cover more controllable level. Editor
to verify this at the time of issuing a Policy
with forged RC book (which is then ---------------------
One investigator raised a question We invite suggestions from
REGULARISED by getting a legitimate
recently. What is the use of this list experienced Investigators from across the Thank You Insurers!
RC from regular RTOs). In the past the
containing just around 500 entries? As country to control third party claims to We thank the Insurers for sending in
Police have unearthed parallel illegal set
we said it is a start and the Insurers are justifiable limits. An accident victim must authentic data for compiling and
ups running like a regular RTO. These
free to send as many entries as they want be compensated at the earliest. Justice publication. However we would like to point
set ups have been running successfully for
to make this list more comprehensive. delayed is justice denied. At the same time out certain omissions. Some of the
many years before they are caught. One
More number of entries means increased the Insurance Company cannot be taken documentation is not complete. In some
just cannot imagine the quantity of forged
possibilities of identifying a stolen vehicle. for a ride. To achieve this, a well- cases the copy of RC and in some cases the
documents on the circulation to day
This system can be extended to other items coordinated team at every district level policy were not enclosed. Without these, the
across the country.
also like Laptops, Cell phones etc. A study will be of much use. To this end it is compilation cannot be complete. We
Someone has to start somewhere to is going on to make this system more important to coordinate with Insurance request the Insurers to continue sending the
correct these aberrations of society. As useful to all Government agencies. In this Investigators across the country. “Claims entries (with CLEAR copies of RC, FIR
insurance Investigators we thought this issue we have included some interesting Investigators Association of India” a and Policy – complete in all respects and
would be a good start like any other that cases handled by professional Insurance registered Association of Insurance attested) on or before 10th of every month.
have or may come to light. We dedicate Investigators. These represent valuable investigators through their members, The compiled list will be published in the
this issue to the Insurance Industry as a contribution of Insurance Investigators have contributed articles on typical cases subsequent issue. Compilation charges are
whole, which in their own way can help made towards loss minimization and loss encountered by them. These reports are nil.
3 4
HOW TO USE THIS READY RECKENOR

THE EVER READY (Police department)
This Ready Reckenor is designed to help the Police Personnel engaged in
UNIVERSAL GUIDE routine checks at —
Highways
Check posts
READY RECKONER Busy junctions in a town/city
For the use of Air Port Parking Lot
Railway Station Parking Lots
Cinema Halls Parking Lots
Automobile Garages
Police Departments
And places where search is made on Court Orders
Insurance companies The Lists given in the following pages are in ascending order and vehicle
Other concerned (make/model) wise. To locate a Chassis number, look under the appropriate vehicle
make/model classification. For Example if you are checking a HEROHONDA
Government agencies 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
Members of If matching number not found clear the vehicle.
If a matching number is found note the corresponding
Claims Investigators Association
AR Number.
of India 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.
To trace more number of stolen vehicles
Note the details and contact the nearest office of the Insurers and/or notify
LET US DO IT TOGETHER AMARAN REGISTER Private Limited.
5 6
HOW TO USE THIS READY RECKONER AMBASSADOR (All Models)

(Insurance Companies) Chassis Number AR # Engine Number AR NO
AEY 801646 000286 6 EDGU 128930 000380
In spite of the sincere efforts of the Police Personnel, it is getting more and AGU 720142 000380 6 EDJT 109461 000304
more difficult to weed out stolen vehicles that get regularized through devious AJT 699565 000304 6 EPEY 020053 000286
means (forged RC book, forged NOCs, and then re-registered through regular III 211871 000030 6EH 043776 000146
legal RTOs). These vehicles ply on road and get their insurance cover without III 324710 000175 D 280163 000030
any problem. Till to date there is no way for an Insurer to verify this clever
III 374236 000110 D 299354 000316
manipulation.
III 393108 000103 ODH 57018 000392
NOW IT IS EASY TO WEED OUT SUCH VEHICLES III 463480 000054 OED 035787 000080
PROCEDURE III 467521 000140 OER 13061 000175
1. Whenever a vehicle come for renewal of Policy, obtain a copy of RC attested III 471750 000392 OET 10603 000110
by the insured him/her self for records. III 561633 000146 OEU 11428 000103
III 587209 000080 OEY 10893 000054
2. Check the Engine and Chassis Number with the list given in the Ready
Reckoner. III 593967 000316 OEY 13384 000140
3. If a match is found note the AR number against it. API LAMBY

4. Go to the next section of Ready Reckoner and check the AR Number. Chassis Number AR N# Engine Number AR NO
5. Note the Details of Insurers/Police FIR etc. and take appropriate action 001415 000068 001415 000068
6. If such vehicles are already under claim – the Insurers have the option of 378729 API 000058 150 CY 378729 000058
stopping the payment – and then take necessary action. This is not only loss 389592 APJ 150 LY 000112 150 LY 389592 000112
prevention but also – by initiating action with the help of the Police – recover 389699 API 150 LY 000111 150 LY 389699 000111
some value in the process.
ASHOK LEYLAND ALCO 3/3 TIPPER
7. 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 Chassis Number AR NO Engine Number AR NO
vehicles, thereby help the Loss Minimization efforts of the Insurance NPE 253681 000244 NPE 132302 000244
Company
BAJAJ 4S
This system can be extended to costly equipments like Laptops. Insurers
Chassis Number AR NO Engine Number AR NO
may send in suggestions for improving this system. Ultimately it is for them
31 F 95 C 00054 000441 31 M 95 C 02816 000441
only!!
7 8
BAJAJ AUTO BAJAJ CHETAK

Chassis Number AR # Engine Number AR NO Chassis Number AR NO Engine Number AR NO
009660 000055 009461 000055 03 C 501 180289 000289 03 E 502 178137 000289
04 C 363143 000079 04 E 381176 000079 06 C 703788 000170 06 E 740043 000170
05 C 391644 000093 05 E 422683 000093 06 C 803088 000128 06 E 833372 000128
24 C 006622 000026 24 E 006540 000026 06 C 8103 136224 000174 35 E 96 K 48759 000280
24 C 024172 000141 24 E 023466 000141 06 D 96 P 67336 000265 6 F 8103 165912 000174
24 C 037875 000102 24 E 036947 000102 35 C 96 K 11262 000280 85 P 96 F 67818 000265
24 F BDM 47041 000251 24 M BDM 96488 000251 W 06 C 016260 000012 W 06 E 016424 000012
24 FBGA 01936 000548 AEMBG 013995 000548
F 24 BM 020988 000554 E 24 DB 061374 000136 BAJAJ KB 100
F 24 DB 062722 000136 M 24 BM 023990 000554 Chassis Number AR NO Engine Number AR NO
W 24 C 012699 000540 W 24 C 050179 000536 30 F 94 D 07699 000220 30 M 94 D 06589 000220
W 24 C 047247 000549 W 24 E 012591 000540 3 DC 079689 000434 3 DE 076447 000434
W 24 E 049396 000536 W 24 E 046023 000549 30 C 099117 000349 30 E 097862 000349
BAJAJ BOXER (AT & CT)
BAJAJ LEGEND
DFFBFM 62559 000285 31 MBGC 08116 000295
28 CBFH 39808 000290 28 EBFH 40157 000290
DFFBGC 19498 000295 DFMBFM 72029 000285
DFFBHC 71356 000281 DFMBHC 85901 000281 BAJAJ M 80
BAJAJ CALIBER
16 C 94G35760 000181 16 E 94G35812 000181
DDFBEE 01781 000156 DDMBEE 01842 000156 16 C 95 K 10007 000321 16 E 95 K 09122 000321
DDFBEG 07887 000151 DDMBEG 07659 000151 16 C 96 K 69063 000206 16 E 96 K 69037 000206
DDFBEG 08025 000165 DDMBEG 08186 000165 16 CBEC 33864 000453 16 EBEC 35803 000453
DDFBEM 66129 000412 DDMBEM 69168 000412 16 CBEE 57820 000411 16 EBEE 57832 000411
DDFBFE 44261 000291 DDMBFE 83307 000291 16 CBFK 15371 000214 16 EBFK 18720 000214
DDFBFF 87515 000292 DDMBFF 94468 000292 16 CBGE 08648 000373 16 EBGE 10501 000373
DDFBGC 78706 000275 DDMBGC 28086 000275 16 CBGK 56342 000455 16 EBGK 58571 000455
DDFBHB 52188 000252 DDMBHB 12180 000252 16 CBHF 84103 000377 16 EBHF 86840 000377
9 10
BAJAJ RAVE,SUNNY,SUPER,SUPER FE, HEROHONDA SPLENDOR

00 M 20 C 22612 000489 00 M 18 M 22705 000489
34 CBDG 14207 000552 34 EBDG 14044 000552 00 A 10 F 10829 000355 00 E 18 M 10170 000308
33 F 96 J 87464 000487 33 M 96 J 87391 000487 00 B 19 F 07774 000404 00 A 10 E 22143 000355
08 C 93 M 91527 000300 08 E 93 M 04989 000300 00 B 20 C 03366 000447 00 B 17 E 07158 000404
W 05 C 260260 000027 W 05 E 248621 000027\ 00 E 20 C 09920 000308 00 B 18 M 03578 000447
00 F 20 C 11321 000360 00 C 18 E 15957 000352
BAJAJ TEMPO 00 F 20 C 16430 000222 00 F 18 E 10777 000369
Chassis Number AR NO Engine Number AR NO 00 F 20 C 17810 000210 00 F 18 E 10784 000325
3 FD 19747 000178 3 D 184403 000178 00 F 20 F 10954 000369 00 F 18 M 10748 000360
00 F 20 F 11097 000325 00 F 18 M 15098 000222
ENFIELD SILVERPLUS 00 G 20 C 22611 000387 00 F 18 M 18084 000210
00 L 20 C 09228 000238 00 G 18 M 22696 000387
00 L 20 C 27774 000358 00 L 18 M 09123 000238
A 50072 E7 000075 203610 E7 000075
00 M 20 F 26843 000406 00 L 18 M 19789 000366
00120 C 19720 000366 00 L 18 M 27752 000358
ENFIELD BULLET
0020 F 14844 000352 00 M 18 E 25958 000406
Chassis Number AR NO Engine Number AR NO 01 B 20 C 23112 000350 00798 000376
181971/8JX 000081 181971 000081 01 B 20 F 01745 000556 01 B 18 E 01343 000556
9 B 393144 000088 393144 000088 01 G 20 C 06790 000297 01 B 18 M 23274 000350
OB 420405 000147 OB 420405 000147 01 G 20 F 12083 000378 01 G 18 B 12199 000378
07744 000157 01 G 18 M 00521 000297
ENFIELD EXPLORER 95 D 19 F 00870 000219 08004 000157
Chassis Number AR NO Engine Number AR NO 95 K19 F 02438 000533 95 D 17 E 00602 000219
96 F 19 F 05169 000439 95 K 17 E 02547 000533
618735 CB 000173 318690 CB 000173
96 G 19 F 03868 000205 96 F 17 E 05192 000439
B 63437 C 2 000344 363175 C 2 000344
97 F 17 E 63639 000320 96 G 17 E 03624 000205
97 F 19F 09089 000250 97 F 17 E 03444 000320
FORD IKON
97 G 19 F 07919 000264 97 F 17E 10196 000250
97 G 19 F 09719 000324 97 G 17 E 08190 000264
MAJAXXMRTA 05848 000199 YA 05848 000199 97 J 19 F 08024 000438 97 G 17 E 09009 000324
11 12
HEROHONDA SPLENDOR (Cont’d) HEROHONDA SPLENDOR (Cont’d)
Chassis Number ARNO Engine Number ARNO Chassis Number ARNO Engine Number ARNO
97 J 19 F 09920 000327 97 J 17 E 08156 000438 C 10 F 107487 000418 C 10 E 107623 000418
97 J 19 F 11531 000322 97 J 17 E 10435 000327 C B 03003788 000353 C B 13005046 000353
97 K 19 F 03142 000319 97 J 17 E 11913 000322
97 K 19 F 08186 000396 97 K 17 E 03069 000319 HEROHONDA SLEEK
97 K 19 F 09591 000249 97 K 17 E 08038 000396 Chassis Number ARNO Engine Number ARNO
97 M 19 F 30892 000541 97 K 17 E 09900 000249 E 11 F 009179 000172 E 10 E 350828 000172
98 A 19 F 04572 000354 97 M 17 E 30853 000541
98 B 19 F 04860 000449 98 A 17 E 04939 000354 HEROHONDA (CD 100 SS,100,100DX)
98 D 19 F 03986 000301 98 B 17 E 04798 000449 Chassis Number ARNO Engine Number ARNO
98 F 19 F 05465 000150 98 D 17 E 03583 000301 01 G 13 F 00063 000400 01 G 13 E 00024 000400
98 G 19 C 06047 000241 98 F 17 E 05455 000150 11331 000342 21543 000342
98 G 19 F 05736 000257 98 G 17 E 6103 000257 95 M 12 F 01444 000155 95 M 10 E 01225 000155
98 G 19 F 09061 000227 98 G 17 M 05250 000241 96 L 12 F 01607 000284 96 L 10 E 01495 000284
98 H 19 C 02106 000395 98 H 17 M 01989 000395 97 A 10 F 7357 000370 97 A 10 E 16021 000370
98 J 12 F 11536 000372 98 J 10 S 22645 000372 98 D 10 F 02886 000149 98 B 10 E 02709 000149
99 D 19 C 02687 000385 98817 E 09026 000227 99 B 10 F 09656 000273 99 B 10 E 18201 000273
99 D 19 C 09360 000318 99 D 17 M 02641 000385
99 D 12 A 12092 000371 99 E 10 E 11949 000270
99 E 12 F 06611 000361 99 D 17 M 09345 000318
99 E 12 F 05995 000270 99 H 10 E 08200 000268
99 F 19 C 08774 000452 99 E 10 E 12811 000361
99 H 10 F 06239 000268 9910 E 22860 000371
99 G 19 C 00985 000389 99 F 17 E 01887 000347
B 10 F 075853 000064 B 10 E 075787 000064
99 G 19 C 09992 000213 99 F 17 M 07533 000452
B 10 F 100107 000119 B 10 E 100242 000119
99 G 19 F 09206 000347 99 G 17 M 00405 000389
D 10 F 194376 000020 D 10 E 194311 000020
99 H 19 C 03689 000196 99 G 17 M 10148 000213
99 H 19 C 11365 000557 99 H 17 E 07866 000367 D 10 F 213771 000039 D 10 E 213556 000039
99 H 19 C 11769 000309 99 H 17 M 02528 000196 D 10 F 230063 000021 D 10 E 2302259 000021
99 H 19 F 08162 000367 99 H 17 M 10802 000309 D 10 F 237815 000019 D 10 E 2337482 000019
99 M 17 C 00807 000376 99 H 17 M 10978 000557 D 10 F 254540 000116 D 10 E 254568 000116
99 M 19 C 08528 000403 99 M 117 M 09091 000414 F 10 F 368223 000098 F 10 E 375697 000098
99 M 19 C 2418 000414 99 M 17 C 05321 000403 F 10 F 380646 000105 F 10 E 393271 000105
13 14
KELVINATOR AVANTI LML VESPA (NV,XE)
095279596 000083 214804324 000072 C 10 C 564572 000218 AH 31849 E 000070
48220548 000072 320980544 000083 CH 449848 000028 CN 448397 000028
XEA 032538 000070 E 10 C 562038 000218
KINETIC HONDA
Chassis Number ARNO Engine Number ARNO MAHINDRA JEEP
NIFKA 484511 000490 NIFKA 474102 000490 Chassis Number ARNO Engine Number ARNO
NIEF 128589 000123 569788 NIECM 000326 CI 500 DI 4 DSDS 43315 000330 DS 43315 000330
NIEGA 254622 000139 NIEC 028298 000127 CL 550 MD 4 FVDV 204583 000331 DV 204583 000331
NIERB 941406 000448 NIEF 129882 000123
NIF CM 579566 000326 NIEFE 190112 000115 MAHINDRA TRACTOR
NIFC 028347 000127 NIEGA 248176 000139 Chassis Number ARNO Engine Number ARNO
NIFFE 190622 000115 NIEHD 346068 000201 A 98280 000333 3 SA 26923 000333
NIFHD 355851 000201 NIEKM 471128 000445
MAHINDRA NISSAN
NIFKM 481537 000445 NIEMF 628458 000451
Chassis Number ARNO Engine Number ARNO
NIFMF 635696 000451 NIENE 735601 000390
EYH 4 HA 375631 16823 000303 IC 15386 000303
NIFNE 741438 000390 NIEPX 822280 000544
NIFPE 827713 000544 NIERB 937054 000448 MAHINDRA MAXICAB
NIFSG 097282 000402 NIESG 093152 000402 Chassis Number ARNO Engine Number ARNO
NIFSL 143705 000221 NIESL 139279 000221 MA 1 JG 2 FAA 13 J 22317 000407 S 43356876 000407
NIFTB 164067 000394 NIFTB 160431 000394
MARUTHI 800
KINETIC LUNA,LUNA SUPER,SAFARI) Chassis Number ARNO Engine Number ARNO
Chassis Number ARNO Engine Number ARNO 357235 000314 499352 000314
32006593 000122 31014774 000122 SB 308 IN 1025487 000299 F 8 BIN 105745 000215
98 K 13043668 000328 98 K 13073055 000328 SB 308 IN 1015941 000442 F 8 BIN 1336939 000442
AL 19000012 000287 AL 19001568 000287 SS 80 FIN 140108 000215 F 8 BIN 1351167 000299
LAMBRETTA MARUTHI ESTEEM

191929 API 000022 150LI193223 000022 MA 3 EBE 41 S 00 251748 000312 G 13 BIN 619545 000312
15 16
MARUTHI OMNI SUZUKI AX (100,100R)

956863 000338 922062 000338 1012 F 283254 000456 1012 M 289579 000456
1711 F 138240 000008 1711 M 145199 000008
ST 91 IN 855706 000133 F 8 BIN 563754 000133
1805 F 172054 000002 1805 M 178439 000002
ST 91 IN 136639 000482 F 8 BIN 1254496 000482
1807 F 179362 000005 1807 M 186966 000005
1809 F 183972 000071 1808 M 188666 000071
MARUTHI ZEN VX
1904 F 218258 000142 1904 M 225945 000142
3512 F 032058 000092 3512 M 040099 000092
429110 000305 419718 000305 3604 F 055587 000007 3604 M 062839 000007
MA 3 EYE 31 S 00 290303 000311 G 10 BIN 285149 AW 000311 3608 F 082699 000059 3608 M 089042 000059
3608 F 085622 000061 3608 M 092297 000061
OPEL ASTRA 3609 F 091118 000176 3609 M 097716 000176
Chassis Number ARNO Engine Number ARNO 3610 F 095107 000067 3610 M 101738 000067
56 V 100839 000198 16 N/R 02 FE 6849 000198 3708 F 122774 000023 3708 M 129826 000023
56 V 079528 000410 16 LZ 5010301 000410 3709 F 131812 000015 3709 M 138228 000015
4706 F 110499 000017 4705 M 116833 000017
PREMIER PADMINI 4708 F 12546 000060 4708 M 132040 000060
A 908 F 272447 000113 A 908 M 271105 000113
A 216025 000016 PA 136635 000016
SUZUKI MAX (100,100 R, 100 DC)
RAJDOOT
115 248006 000074 111 51 245203 000074 1008 F 721868 000261 1008 M 774136 000261
115 457806 000124 111 51454813 000124 1102 F 858005 000248 1102 M 911029 000248
115 549940 000024 115 1546947 000024 1105 M 970226 000409 1105 F 916714 000409
777924 000010 771931 000010 1201 F 125617 000263 1201 M 181115 000263
908496 000082 905503 000082 1612 F 737196 000233 1612 M 783113 000233
959605 000063 959605 000063 1704 F 794755 000293 1704 M 840647 000293
1803 F 9839968 000537 1803 M 030983 000537
981583 000085 981583 000085
1810 F 130113 000200 1810 M 177717 000200
17 18
SUZUKI MAX (100,100 R, 100 DC) SUZUKI SAMURAI (Cont’d)

1810 F 141355 000362 1810 M 188837 000362 7405 F 422332 000435 7405 M 461641 000435
1811 F 169389 000399 1811 M 217243 000399 7508 F 534605 000266 7508 M 578029 000266
1901 F 204916 000228 1901 M 252988 000228 7509 F 554595 000401 7509 M 598124 000401
1904 F 285881 000160 1904 M 334375 000160 7510 F 56326 000440 7510 M 607448 000440
1909 F 419751 000444 1909 M 465819 000277 7512 F 582000 000437 7512 M 625905 000437
1909 F 421139 000346 1909 M 469357 000444 7609 F 690377 000329 7609 M 735528 000329
1909 F 433335 000246 1909 M 471128 000346 7610 F 704676 000236 7610 M 749803 000236
1909 F416078 000277 1909 M 483279 000246 7705 D 814776 000310 7705 M 860509 000310
1910 F 452211 000375 1910 M 502353 000375 7801 F 945788 000359 7801 M 006389 000217
1911 F 478084 000211 1911 M 528344 000211 7801 F 959361 000217 7801 M 006389 000398
541453 000253 584996 000253 7801 F 959361 000398 7801 M 992687 000359
7606 F 655012 000153 7606 M 699949 000153 7808 F 097878 000243 7808 M 145293 000243
9011 F 775028 000356 9011 M 826613 000356 7811 F 154951 000229 7811 M 202457 000229
9101 F 833466 000397 9101 M 886416 000397 7903 F 268699 000337 7903 M 316915 000337
9101 F 834115 000446 9101 M 887067 000446
9102 F 859034 000283 9102 M 912047 000283 TATA 1210 SE
9103 F 883258 000258 9103 M 936504 000258 Chassis Number ARNO Engine Number ARNO
9104 F 908901 000202 9104 M 962250 000202 692 001 232314 000137 344 073 224273 000137
9109 F 021549 000363 9109 M 076685 000363 692 001 763287 000138 344 073 760422 000138
SUZUKI SAMURAI TATA 1520

1801 F 950810 000154 1801 M 997697 000154 344 052 127800 000087 692 D 02134831 000087
7003 F 594097 000271 7003 M 645256 000271 344 073 761776 000062 692 D O1 764867 000062
7011 F 776237 000278 7011 M 829189 000278
7103 F 886986 000255 7103 M 939966 000255 TATA INDICA
7103 F 889958 000231 7103 M 96358 000231 Chassis Number ARNO Engine Number ARNO
7309 F 378932 000256 7309 M 410607 000256 600142 GYZP 36615 000408 4751 D 12 GYZP 35745 000408
19 20
TATA SUMO TVS 50 (XL,XT) Cont’d
385003 ASQ 902836 000384 483 DL 41 ARQ 706526 000148 A 002 F 327229 000101 A 001 M 289992 000274
385003 FRQ 913912 000279 483 DL 41 ASQ 707539 000384 A 005 F 394004 000335 A 002 M 327426 000101
385003 HSQ 937885 000332 483 DL 41 FRQ 737995 000279 A 006 F 362935 000100 A 005 M 374886 000335
38503 ARQ 903379 000148 483 DL 41 HSQ 796562 000332 A 007 F 428405 000508 A 006 M 354679 000100
440 738 00589 000109 692 DO 1805081 000109 A 008 F 398688 000089 A 007 M 409269 000508
A 008 F 439320 000530 A 008 M 388213 000089
TATA TIPPER A 008 F 450873 000504 A 008 M 420172 000530
Chassis Number ARNO Engine Number ARNO A 009 F 461841 000547 A 008 M 431021 000504
373 094 HQQ 117769 000317 697 D 21 GQQ 123473 000317 A 011 F 423627 000117 A 009 M 442604 000547
A 101 F 5141671 000511 A 011 M 421943 000117
TVS 50 (XL,XT) A 104 F 564936 000517 A 101 M 495346 000511
Chassis Number ARNO Engine Number ARNO A 104 F 568705 000415 A 104 M 545597 000517
023255 11 81 000004 023483 11 81 000004 A 108 F 620142 000522 A 104 M 549360 000415
066544 2 87 000052 067045 2 87 000052 A 202 F 667874 000529 A 108 M 600528 000522
112833 07 87 000001 113414 07 87 000001 A 304 F 747658 000169 A 202 M 648165 000529
115796 07 83 000130 116170 07 83 000130 A 503 F 056846 000235 A 304 M 742955 000169
136117 10 83 000144 135836 10 83 000144 A 603 F 300714 000501 A 503 M 042034 000235
159186 1 88 000056 159707 1 88 000056 A 611 F 496715 000519 A 603 M 282866 000501
1894840684 000091 1902420684 000091 A 612410886 000107 A 611 M 479613 000519
1946470684 000120 1952790684 000120 A 701 F 539279 000416 A 617240886 000107
354164 000121 360361 000121 A 701 F 550522 000339 A 701 M 522365 000416
39339202/86 000118 39334902 000118 A 702 F 571901 000208 A 701 M 533324 000339
443939 000179 444405 000179 A 707 F 699794 000483 A 702 M 554971 000208
4811 F 118603 000013 4811 M 131100 000013 A 709 F 727115 000288 A 707 M 682017 000483
495808 7 87 000050 496412 7 87 000050 A 803 F 871727 000500 A 709 M 709243 000288
4967870787 000097 4974010787 000097 A 804 F 023134 000049 A 803 M 853746 000500
6902 F 163999 000003 6902M183960 000003 A 807 F 938654 000162 A 804 M 031193 000049
A 001 F 295615 000510 A 904 M 095892 000515 A 808 F 970381 000491 A 807 M 920898 000162
A 001 F 305558 000334 A 001 M 276165 000510 A 809 F 110002 000108 A 808 M 952197 000491
A 001 F 309470 000274 A 001 M 286067 000334 A 812 F 145147 000096 A 809 M 101592 000108
21 22
TVS 50 (XL,XT) Cont’d TVS CHAMP

A 901 F 166599 000106 A 812 M 142924 000096 001684 4 87 000046 001614 4 87 000046
A 903 F 184798 000045 A 901 M 164190 000106 007732 9 87 000047 007982 9 87 000047
D 001 F 294375 000212 D 001 M 274970 000212
A 904 F 114220 000515 A 903 M 187433 000045
D 002 F 335835 000073 D 002 M 342794 000073
A 905 F 148837 000488 A 905 M 130427 000488
D 009 F 471995 000209 D 009 M 452544 000209
A 906 F 168739 000226 A 906 M 150501 000226
D 101 F 524941 000351 D 101 NM 505509 000351
A 908 F 197398 000267 A 908 M 178533 000267 D 307 F 779650 000422 D 307 M 774864 000422
A 908 F 203403 000493 A 908 M 1844806 000493 D 310 F 816270 000306 D 310 M 808204 000306
A 908 F 203578 000492 A 908 M 184724 000492 D 607 F 413935 000203 D 607 M396586 000203
A 908 F 267797 000044 A 908 M 269069 000044 D 704 F 620681 000535 D 704 M 603855 000535
A 909 F 2220940 000497 A 909 M 203300 000497 D 708 F 706562 000551 D 707 M 684128 000551
A 909 F 236718 000161 A 909 M 217590 000161 D 708 F 714794 000546 D 708 M 696022 000546
A 909 F 243066 000336 A 909 M 224523 000336 D 802 F 847114 000207 D 802 M 82879 000207
A 909 F 275605 000051 A 909 M 276140 000051 D 805 F 047080 000094 D 805 M 048123 000094
D 805 F 05724 000183 D 805 M 87701 000183
A 909 F 276853 000018 A 909 M 278004 000018
D 808 F 088703 000031 D 808 M 091818 000031
A 909 F 276905 000114 A 909 M 278175 000114
D 812 F 037274 000180 D 812 M 019025 000180
A 9097 F 173173 000494 A 9097 M 154867 000494
D 902 F 076951 000498 D 902 M 058804 000498
C 008 F 358770 000143 C 008 M 383256 000143 D 903 F 091409 000496 D 903 M 073122 000496
C 805 F 046961 000048 C 805 M 047817 000048 D 904 F 111121 000391 D 904 M 092833 000391
C 809 F 091431 000014 C 809 M 096036 000014 D 904 F 114245 000166 D 904 M 095589 000166
C 811 F 136307 000065 C 811 M 138088 000065 D 905 F 221761 000053 D 905 M 223307 000053
C 901 F 169495 000066 C 901 M 168207 000066 D 909 F 273471 000032 D 908 N I273577 000032
C 905 F 2096674 000104 C 905 M 219906 000104 D 912 F 31907 000033 D 912 M 314224 000033
C 909 F 277703 000077 C 909 M 279218 000077 DOIOF 480498 000486 DOIOM 461249 000486
C 912 F 320426 000078 C 912 M 315151 000078
TVS SCOOTY
P 1005 F 276408 000269 P 1005 M 274228 000269 Chassis Number ARNO Engine Number ARNO
P 1107 M 443464 000421 P 1107 F 448794 000421 16 CBFA 89683 000184 16 EBFA 91318 000184
P 1911 F 184352 000204 P 1911 M 183677 000204 K 95 FF 023387 000182 K 95 FM 024143 000182
PL 91 ZF 201800 000514 PL 91 ZM 200855 000514 K 98 CF 171638 000185 K 98 CM 173248 000185
23 24
TVS SPORTS YAMAHA RX 100

J 1011 F 353368 000282 P 1011 M 348699 000282 3 B 273646 000171 273646 000171
94 K ILI 462856 000232 IL2 010767 000167
TVS XL SUPER 95 D ILI 507833 000230 IL5 007626 000262
Chassis Number AR # Engine Number ARNO 96 F IL5 007626 000262 IL5 15919 000454
P 1007 F 297940 000348 P 1006 M 286294 000341 98 B IL3 015919 000454 ILI 015516 000043
P 1008 F 313824 000505 P 1007 M 295445 000348
ILI 007155 000011 ILI 057653 000197
P 1009 F 326954 000340 P 1008 M 311127 000505
ILI 015516 000043 ILI 081523 000038
P 1101 F 376584 000506 P 1009 M 323902 000340 ILI 046013 000006 ILI 089444 000041
P 1103 F 420285 000223 P 109 M 477955 000254 ILI 057653 000197 ILI 091097 000035
P 1104 F 425591 000413 P 1101 M 372081 000506 ILI 081523 000038 ILI 104587 000034
P 1105 F 434886 000298 P 1103 M 415167 000223 ILI 088339 000025 ILI 107027 000125
P 1109 F 483918 000254 P 1103 M 418527 000276 ILI 089444 000041 ILI 107488 000069
P 111 F 515800 000527 P 1104 M 420368 000413 ILI 091097 000035 ILI 118572 000095
P 1111 F 509658 000525 P 1105 M 429563 000298 ILI 104587 000034 ILI 128369 000090
P 1201 F 523981 000393 P 1109 M 474720 000383 ILI 107027 000125 ILI 139237 000531
P 1809 F 055654 000343 P 1111 M 501097 000525 ILI 107488 000069 ILI 142402 000086
ILI 118572 000095 ILI 150559 000084
P 1907 F 144087 000259 P 1112 M 507597 000527
ILI 128369 000090 ILI 151116 000126
P 1907 F 144087 000388 P 1201 M 515776 000393
ILI 139237 000531 ILI 180438 000076
P 1911 F 193405 000526 P 1809 M 055629 000343
ILI 142402 000086 ILI 190099 000129
P 3103 F 423799 000276 P 1907 M 143564 000259
ILI 150559 000084 ILI 192771 000323
P 3109 F 480294 000383 P 1907 M 143594 000388 ILI 151116 000126 ILI 198273 000132
P1006 F 288804 000341 P 1911 M 192511 000526 ILI 180438 000076 ILI 198367 000099
P1812 F 081047 000242 P1812 M 080935 000242 ILI 190099 000129 ILI 210288 000152
ILI 192771 000323 ILI 218177 000294
VIJAY SUPER ILI 198273 000132 ILI 295846 000315
Chassis Number ARNO Engine Number ARNO ILI 198367 000099 ILI 321261 000168
SA 2242235 000134 900 A 453917 000134 ILI 210288 000152 ILI 354798 000543
25 26
YAMAHA RX 100 (Cont’d) ARNO Insurers Claim # PS Code PS PIN Cr. #
Chassis Number ARNO Engine Number ARNO 000001 NIA-710901 88/0184 62/88
IL2 010767 000167 ILI 046013 000006 000002 NIA-710901 89/0266 O2 692/89
ILI 218177 000294 ILI 412649 000158 000003 NIA-710901 89/0217 R2 2311/89
ILI 295846 000315 ILI 417510 000443 000004 NIA-710901 88-89/0373 R1 881/88
ILI 321261 000168 ILI 462856 000232 000005 NIA-710901 89/0111 C5 479/88
ILI 354798 000543 ILI 507833 000230 000007 NIA-710201 88/0053 J5 1591/87
ILI 412649 000158 ILI007155 000011 000008 NIA-710201 88/0092 O2 326/88
ILI 417510 C 94 000443 ILI088339 000025 000009 NIA-710201 88/0046 B2 394/87
000010 NIA-710201 88/0083 B2 108/88
YAMAHA RX 135 000011 NIA-710201 89/0075 K4 1030/89
Chassis Number ARNO Engine Number ARNO 000012 NIA-710201 90/0063 D6 403/90
00 A IL5 296437 000216 IL5 150123 000374 000013 NIA-710201 89/0017 O1 652/89
00 C IL5 316462 000302 IL5 168176 000237 000014 NIA-710201 89/0069 E1 812/89
00 C IL5 316517 000225 IL5 179847 000260 000015 NIA-710201 89/95 N3 1205/89
00A IL5 288897 000240 IL5 202520 000450 000016 NIA-710201 88/113 521/87
98 B IL5 150123 000374 IL5 217570 000379 000017 NIA-710201 89/0048 G2 257/88
98 G IL5 179847 000260 IL5 221758 000234 000018 NIA-710201 89-90/182 O2 1470/89
98 K IL5 202520 000450 IL5 263238 000357 000019 NIA-710201 89-90/023 R4 308/90
99 B IL5 217570 000379 IL5 268602 000307 000020 NIA-710201 89-90/022 C5 179/90
99 C IL5 221758 000234 IL5 274082 000245 000021 NIA-710203 89-90/012 K4 1015/89
99 G IL5 263238 000357 IL5 288897 000240 000022 NIA-710202 87/134 226/87
99 J IL5 268602 000307 IL5 296437 000216 000023 NIA-710602 88/268 1695/88
99 K IL5 274082 000245 IL5 316462 000302 000024 NIA-710602 89/64 F5 584/89
C 98 D IL5 168176 000237 IL5 316517 000225 000025 NIA-710603 89/245 R1 835/88
000026 NIA-710603 89-90/159 409/89
YAMAHA RXG 000027 NIA-710603 89/328 D3 144/89
Chassis Number ARNO Engine Number ARNO 000028 NIA-710403 1991/64 J5 580/90
95 J 1L2 000007 000247 1L2 000007 000247 000029 NIA-710803 9/90 F4 264/90
97 B IL5 077723 000224 IL3 015315 000417 000030 NIA-710803 77/89 E1 2159/89
98 B IL3 015315 000417 IL5 077723 000224 000031 NIA-710600 90/15 E3 1493/90
K5 108350 000163 K5 108350 000163 000032 NIA-710802 54/1991 J6 579/90
K5 52126 000159 K5 52126 000159 000033 NIA-710802 36/89-90 E3 426/90
27 28
ARNO Insurers Claim # PS Code PS PIN Cr. # ARNO Insurers Claim # PS Code PS PIN Cr. #
000034 NIA-712402 89/27 R5 1300/89 000068 NIA-710902 89-90/056 F2 1245/89
000035 NIA-712402 88/119 V2 783/88 000069 NIA-710902 89/A/25 E4 130/89
000037 NIA-712402 90/54 K4 1656/89 000070 NIA-710902 89-90/29 P1 453/89
000038 NIA-712402 89/187 R4 894/89 000071 NIA-710902 89-90/038 O2 727/89
000039 NIA-712402 89/174 R2 1740/89 000072 NIA-712002 90/43 O2 124/90
000040 NIA-712402 89/147 C2 46/89 000073 NIA-710802 70/1991 E3 423/90
000041 NIA-712402 89/144 W1 143/89 000074 NIA-710904 1991/174 G1 600007 639/90
000042 NIA-712402 89/133 450/88 000075 NIA-712104 31/91 588/91
000043 NIA-712402 89/132 1178/88 000076 NIA-712104 90/98 235/91
000044 NIA-711207 90/56 1083/89 000077 NIA-710802 73/1991 G1 600007 745/90
000045 NIA-711207 90/38 64/90 000078 NIA-710803 97/90 F4 577/90
000046 NIA-711105 88/15 24/88 000079 NIA-710903 91-92/007 K4 554/91
000047 NIA-711207 79/90 270/89 000080 NIA-710103
000048 NIA-711207 16/89 1543/88 000081 NIA-710803 11/91 B1 932/90
000049 NIA-711207 19/90 55/90 000082 NIA-710803 137/1991 E3 1040/90
000050 NIA-711207 90/68 55/90 000083 NIA-712003 1991/33 B1 259/91
000051 NIA-711207 90/67 74/ 000084 NIA-710904 91-92/27 R6 30/91
000052 NIA-711207 82/90 472/89 000085 NIA-712402 1991/49 R6 1047/90
000053 NIA-710403 1991/40 R1 644/90 000086 NIA-712002 991/032 G3 323/90
000054 NIA-710601 80/89-90 D2 1840/89 000087 NIA-710901 P5 177/88
000055 NIA-710601 139/89-90 O2 654/89 000088 NIA-710803 153/1991 E3 354/91
000056 NIA-710601 146/89-90 C5 463/89 000089 NIA-712104 91/19 554/91
000058 NIA-710803 83/90 B1 799/88 000090 NIA-710904 1991/251 F1 161/91
000059 NIA-712401 7/A/144 J1 1757/87 000091 NIA-710801 88/089 G3 558/88
000060 NIA-712401 88/A/57 J5 992/87 000092 NIA-710103 90-91/18 I125/90
000061 NIA-712401 88/A/67 V2 170/88 000093 NIA-710801 90-91/21 J1 35/90
000062 NIA-712401 89-90/62 J3 1246/89 000094 NIA-710803 151/1991 R3 382/91
000063 NIA-712401 89-90/96 E3 2990/89 000095 NIA-710803 228/89-90 D1 31/90
000064 NIA-712401 89-90/168 R6 209/90 000096 NIA-712004 91-92/23 B1 892/89
000065 NIA-712401 89/A/41 53/89 000097 NIA-712004 90-91/31 B2 603/90
000066 NIA-712401 89-90/165 R1 24/90 000098 NIA-710904 90-91/234 29/91
000067 NIA-712401 88/A/68 V1 657/88 000099 NIA-711403 91/599 103/91
29 30
000100 NIA-710803 68/91 R2 1708/91 000132 NIA-710202 92/2 J1 2828/91
000101 NIA-710803 26/91 1166/90 000133 NIA-710803 145/92 N1 443/92
000102 NIA-710202 89/180 E4 280/90 000134 NIA-710803 145/92 F4 368/92
000103 NIA-710202 90/91 R2 1946/90 000135 NIA-710601 91-92/159 B1 1492/91
000104 NIA-710202 90/156 K5 99/91 000136 NIA-720300 51/92
000105 NIA-712004 91-92/11 K2 242/91 000137 NAT-570104 63/90-91/012 75/91
000106 NIA-712004 91-92/17 B1 290/91 000138 UI-012001
000107 NIA-712004 91-92/30 B2 351/91 000139 NIA-710802 117/91-92 2931/91
000108 NIA-712004 27/91-92 B2 399/91 000140 UI-010905 10883/92 E1 2052/92
000109 NIA-710802 95/91-92 E5 830/90 000141 OIC-412001 MV/64/93 R2 3336/92
000110 NIA-711302 91/113 K3 1579/91 000142 NIA-710803 OD/92/7 118/92
000111 NIA-710803 34/91-92 611/91 000143 NIA-710803 257/92 R1 2963/92
000112 NIA-710803 65/91-92 818/91 000144 NIA-720900 OD/93/5 261/93
000113 NIA-710803 76A/91-92 167/90 000146 OIC-411601 MV/53/93 K3 1588/92
000114 NIA-710802 138/90-91 E3 339/91 000147 NIA-710500 OD/91/459 1509/91
000115 NIA-710802 146/91-92 101/91 000148 UI-020604 R1 1622/
000116 NIA-710803 27/91-92 235/91 000149 UI-010802 2176/99 F2 174/2000
000117 NIA-710802 84/91-92 K4 751/91 000150 UI-010804 1033/99 R1 160/2000
000118 NIA-712004 89/066 35/87 000151 UI-010303 G3 2025/99
000119 NIA-710803 108/91-92 R1 2250/91 000152 UI-010303 K8 910/99
000120 NIA-710803 110/91-92 P1 1195/91 000153 UI-010303 331/99 K8 850/99
000121 NIA-710103 90-91/051 691/91 000154 UI-010905 1418/99
000122 NIA-710802 85/91-92 R1 1551/91 000155 UI-010303 G2 1242/99
000123 NIA-710803 75/91 F5 1303/91 000156 UI-010804 815/99
000124 NIA-710803 146/91-92 R1 263/92 000157 UI-010804 904/99 1967/99
000125 NIA-710803 138/92 P2 167/92 000158 UI-010804 762/99 768/99
000126 NIA-710203 92/01 H3 16/92 000159 UI-010804 969/99 519/99
000127 NIA-710203 92/43 F4 734/91 000160 UI-011400 10435/99 G1 600007 1389/99
000128 NIA-710803 181/92 J5 490/92 000161 UI-011400 10380/99 C4 535/99
000129 NIA-720205 92/43 261/92 000162 UI-010504 220/99 F4 854/99
000130 NIA-720902 92/17 000163 OIC-421304 D3 763/99
000131 NIA-720902 92/15 398/91 000164 UI-010305 2459/99
31 32
00165 UI-011402 4230 R4 2225/99 000196 UI-010802 305/01 D5 600005 1/2002
000166 UI-011400 10478/99 R1 1604/99 000197 UI-010804 R8 600026 11/2002
000167 NIA-710602 K4 000198 UI-011400 31864/01 J2 600020 1049/01
000168 UI-010905 V5 2048/98 000199 UI-010602 D1 600056 791/01
000169 NIA-712003 1013/93 379/93 000200 UI-011401 5090 G3 600010 549/00
000170 UI-010103 54/89 K4 1589/89 000201 UI-010303 582/99 G5 600010 300/00
000171 UI-010101 10/91 R2 465/91 000202 UI-010305 134/2001 K4 600040 1114/01
000172 UI-010101 19/91 262/91 000203 UI-011400 20025/2000 R8 600083 803/00
000173 UI-010500 2234/88 V1 317/88 000204 UI-011400 20276/2000 B4 600044 394/00
000174 UI-010500 V1 1099/88 000205 UI-010804 1222/00 E3 600018 1220/00
000175 UI-010500 1496/89 1231/89 000206 UI-011400 20399/2000 R1 600017 446/00
000176 UI-010500 2254/88 216/88 000207 UI-011400 20879/2000 E2 600014 408/01
000208 UI-011400 31076 D3 600005 353/01
000177 UI-010500 2240/88 K3 417/88
000209 UI-010804 00114/01 G1 600007 1260/01
000178 UI-010500 1273/87 G1 600007 1755/87
000210 UI-010905 V5 600101 920/2001
000179 UI-010500 2251/88 O2 479/88
000211 UI-010804 V3 600050 781/01
000180 UI-011400 10542/99 K8 42/2000
000212 UI-011401 V2 600093 810/01
000181 UI-010905 632/2000 35/2000
000213 UI-10303 113/2001 E3 600018 1082/01
000182 UI-010504 289/99 G1 600007 2148/99
000214 UI-010804 G1 600007 1874/01
000183 UI-011400 10226/99 G1 600007 972/99
000215 NAT-500500 V5 600101 571/01
000184 UI-011402 4301 R1 39/2000
000216 UI-010804 E6 601203 512/01
000185 UI-010300 E4 1564/99 000217 UI-010300 179/01 XY 0 679/01
000186 UI-011400 20058/2000 J1 723/2000 000218 UI-010303 624/2000 G3 600010 1708/00
000187 UI-011200 17/2000 K3 402/2000 000219 UI-010502 04/01 C1 600003 946/01
000188 UI-011402 3275/98 R1 41/99 000220 UI-010905 E1 600004 1786/01
000189 UI-010303 254/98 E5 1757/98 000221 UI-011401 E1 600004 1853/01
000190 UI-010804 C1 3772/97 000222 NIA-710904 B1 600016 755/01
000191 UI-010801 J2 206/2000 000223 UI-011400 31676 D9 600005 303/01
000192 UI-010905 E3 550/2000 000224 UI-011400 31743/01 E3 600018 1569/01
000193 UI-010305 V1 483/2000 000225 UI-010303 D9 600005 257/01
000194 UI-010300 18/00 C3 665/2000 000226 UI-011305 B6 600045 955/01
000195 UI-010804 1147/00 N3 138/2000 000227 UI-010804 00351/01 G2 600003 2394/01
33 34
000228 UI-011400 31789/01 C2 600079 1219/01 000260 UI-010801 B6 600045 37/02
000229 UI-010905 E1 600004 2258/01 000261 UI-010305 260/01 E3 600080 598/01
000230 UI-010303 00208/01 C6 600064 647/01 000262 UI-010900 14813/01 J2 600020 186/02
000231 UI-010300 E1 600053 882/01 000263 UI-010900 14808/01 C9 600041 75/02
000232 UI-010701 V4 600099 2002/01 000264 NIA-610300 00033/00 II(T) 508001 59/00
000233 UI-010303 00210/01 R1 600017 1245/01 000265 NIA-610300 00035/00 CHI 500020 210/00
000234 UI-010305 E3 600018 1044/01 000266 NIA-610300 00042/00 NULL 499/00
000235 UI-011401 05679/01 R2 600024 1613/01 000267 NIA-612700 00043/01 MRP 517502 98/00
000236 UI-010303 592/2000 G1 600007 1906/00 000268 NIA-612700 00047/01 CCS 517502 306/00
000237 UI-010804 G1 600007 64/01 000269 NIA-612700 00092/01 CCS 517502 510/00
000238 UI-011401 4687/01 E4 600102 202/01 000270 NIA-612700 00133/01 CCS 517502 545/00
000239 UI-010502 D9 600005 80/01 000271 NIA-612700 00141/01 CCS 517502 20/01
000240 UI-010804 02640/00 G1 81/01 000272 NIA-612700 00167/01 RNG 129/00
000241 UI-010804 D3 600005 264/01 000273 NIA-612700 00537/02 CCS 517502 180/01
000242 UI-010905 D4 600087 484/01 000274 NIA-612700 00541/02 CCS 517502 505/00
000243 UI-011400 30054/01 R1 600017 536/01 000275 NIA-612700 00559/02 CCS 517502 252/01
000244 UI-010303 B4 600044 237/01 000276 NIA-612700 00582/02 CCS 517502 275/01
000245 UI-010804 C5 600001 192/01 000277 NIA-612700 00606/02 CCS 517502 84/00
000246 UI-011400 R3 600083 659/01 000278 NIA-612700 00660/02 CCS 517502 422/01
000247 UI-010801 D3 600005 392/01 000279 NIA-612700 00679/02 CCS 517502 388/01
000248 UI-011400 31272/01 D4 600087 780/01 000280 NIA-612700 00696/02 CCS 517502 364/01
000249 UI-010303 567/00 D9 600005 182/00 000281 NIA-612700 00697/02 CCS 517502 490/01
000250 UI-010100 R4 600017 1106/01 000282 NIA-612700 00038/02 KPM 60/01
000251 UI-010804 G1 600007 1216/01 000283 NIA-612700 00079/02 KPM 145/01
000252 UI-011200 K4 600040 000284 NIA-612700 00106/02 ECS 43/01
000253 NIA712003 ZYX 603001 378/01 000285 NIC-501502 LWP 605008 110/00
000254 UI-011401 05702/01 R6 600083 157/02 000286 NIC-501502 250/00 D2 600002 1896/00
000255 UI-011401 05706/01 E3 600018 1835/01 000287 NIC-501502 110/00 MLY 605004 28/00
000256 UI-010502 139/01 R4 600017 101/02 000288 NIC-501502 215/00 GMD 605006 224/00
000257 UI-010504 0318/01 R1 600017 88/02 000289 NIC-501502 GB 605001 217/00
000258 UI-010303 R3 600083 1267/01 000290 NIC-501502 DNG 605006 54/00
000259 UI-010303 0229/01 D2 600116 506/01 000291 NIC-501502 ODN 605001 24/01
35 36
000292 NIC-501502 GB 605001 194/00 000325 NIC-602501 00037/01 HUB 580020 75/01
000293 NIC-501502 204/00 GB 605001 335/00 000326 NIC-602501 00245/01 NULL 4/02
000294 NIC-501502 RDP 605010 153/99 000327 NIC-602508 4/01 HVR 581110 75/01
000295 NIC-501502 BVN 638301 539/00 000328 NIC-602506 62/42/00 APMC 49/00
000297 UI-010804 471/01 R5 600094 144/02 000329 NIC-602506 62/92/01 KSP 53/01
000298 UI-011400 32005/01 R1 600017 365/02 000330 NIC-602404 61/45/99 143/99
000299 UI-010303 111/01 VLR 632001 238/01 000331 NIC-602404 61/102/99 MDK 571201 197/99
000300 UI-010801 253/01 G2 600010 210/02 000332 NIC-602404 61/11/01 MDK 571201 35/01
000301 UI-010804 481/01 D2 600002 248/02 000333 NIC-602404 63/24/01 PNP 91/01
000302 UI-010804 485/01 C3 600001 85/02 000334 NIC-602401 62/02/00 A 99 571401 67/00
000303 UI-012406 094/00 G9 603301 283/00 000335 NIC-602401 62/44/00 HLG 571421 90/00
000304 NIC-603800 6301687/00 NULL NULL 000336 NIC-602401 62/49/00 MND W 571401 146/00
000305 NIC-603800 6101837/00 KML 576101 20/01 000337 NIC-602401 62/50/00 MND E 571401 105/00
000306 NIC603804 6200068/01 KDR 577101 172/01 000338 NIC-602401 61/12/00 TMK 572101 36/00
000307 NIC-603800 6202067/01 MLP 576101 59/01 000339 NIC-602401 62/103/00 MND W 571401 276/00
000308 NIC-603800 6202276/01 MNP 576101 179/01 000340 NIC-602401 62/140/01 MLV 15/01
000309 NIC-603804 6200063/01 MAD 560068 795/01 000341 NIC-602401 62/10/01 MND W 571401 74/01
000310 NIC-603804 6200109/01 CKM 577101 NULL 000342 NIC-602401 62/47/01 MND W 571401 119/01
000311 NIC-603800 5102418/01 NULL NULL 000343 NIC-602401 62/91/01 NULL 227/01
000312 NIC-602000 00/61/04 KRM 560095 176/00 000344 UI-012001 1392 F1 600054 67/02
000313 NIC-602000 01/61/287 BSN 560004 510/01 000346 UI-010804 284/01 E4 602102 818/01
000314 NIC-602000 98/61/40 CBP 420/98 000347 UI-010300 F2 600008 277/02
000315 NIC-602500 00/62/6 KWP 63/00 000348 UI-010305 E1 600053 90/02
000316 NIC-602500 01/61/3 BTG 21/01 000349 UI-010502 F2 600008 129/02
000317 NIC-602500 00/63/21 BDV 163/00 000350 NIC-604000 00022/01 GL 585102 198/01
000318 NIC-602506 01/62/78 VIG 58/01 000351 UI-010300 E1 600053 760/01
000319 NIC-602505 01/62/22 GDG 76/01 000352 NIC-604001 135/01
000320 NIC602504 00/62/128 MM 99/00 000353 NIC-604001 49/01
000321 NIC-602504 00/62/190 ANK 15/01 000354 NIC-604001
000322 NIC-602501 00076/00 VDN 580032 95/00 000355 NIC-604001 77/00
000323 NIC-602501 00190/00 HUB 580032 26/01 000356 UI-010300 F2 600008 1749/01
000324 NIC-602501 00227/00 HUB 580020 16/01 000357 UI-010300 G3 600010 1682/01
37 38
000358 UI-010300 632014 170/01 000395 UI-010300 D9 600004 360/01
000359 UI-010300 R1 600017 844/01 000396 UI-010300 G1 600007 268/02
000360 UI-010300 G1 600007 2190/01 000397 UI-010300 F6 600062 004/02
000361 NIC-604002 044/00 KRT 184/00 000398 UI-010300 603109 679/01
000362 UI-010300 K2 600023 1359/01 000399 UI-010300 J1 600015 1337/01
000363 UI-010300 F3 600072 617/01 000400 UI-010300 R7 600078 1366/01
000366 NIC-604002 021/01 RCH 584101 000401 UI-010300 D2 600116 542/01
000367 NIC-604002 029/01 KRT 77/01 000402 UI-010300 G3 600010 2089/00
000368 NIC-604002 042/01 000403 UI-010804 R7 600078 1408/02
000369 NIC-604002 056/01 197/012 000404 UI-010504 F1 600002 171/02
000370 NIC-604003 009/00 000405 UI-010300 159/02 G1 600007 1595/02
000371 NIC-604003 066/00 000406 UI-010804 205/02 C2 600079 205/02
000372 NIC-604003 072/00 000407 UI-010300 J3 600032 1036/02
000373 UI-011401 F3 600072 615/01 000408 UI-010300 J3 600032 1137/02
000374 UI-012600 D3 600005 539/02 000409 UI-010701 H9 600068 392/02
000375 UI-010905 865/01 R3 600083 401/02 000410 National CHRO 104/00 6/01
000376 UI-010303 C2 600114 63/02 000411 National CHRO 136/00 43/01
000377 UI-010300 J3 600032 000412 National CHRO 18/01 164/01
000378 UI-010303 297/01 C3 600001 81/02 000413 National CHRO 59/01 177/01
000379 UI-010804 73/02 E3 170/02 000414 National CHRO 63/01 267/01
000380 UI-011400 00244/02 V2 600092 1048/02 000415 National CHRO 94/01 266/01
000383 UI-10502 B1 600016 433/02 000416 National CHRO 104/01 435/01
000384 UI-011305 B4 600044 306/02 000417 National CHRO 122/01 54/01
000385 UI-010804 196/02 J2 600020 965/02 000418 National CHRO 151/01 331/01
000387 UI-010303 104/02 B5 600075 662/02 000421 National CHRO 187/01 108/02
000388 UI-010303 229/01 D2 600116 506/01 000422 National CHRO 188/01 172/01
000389 UI-010305 J2 600020 648/02 000434 National CHRO 20/99 R1 600017 453/99
000390 UI-010801 044/02 C1 600001 262/02 000435 National CHRO 38/99 B1 600016 450/99
000391 UI-010300 K1 600023 14.Feb 000436 National CHRO 85/99 G2 600053 456/99
000392 UI-010300 606601 406/02 000437 National CHRO 86/99 D1 600005 1676/99
000393 UI-010300 E4 494/02 000438 National CHRO 115/99 G3 600010 43/00
000394 UI-010300 R3 600083 1216/02 000439 National CHRO 116/99 D9 600005 58/99
39 40
000440 National CHRO 137/99 G3 600010 367/00 000500 National CHRO 00-01/075 1153/00
000444 National CHRO 190/00 K6 186/01 000506 National CHRO 00-01/128 190/01
000445 National CHRO 099/01 F2 600008 1511/00 000508 National CHRO 00-01/174 545/01
000446 National CHRO 309/01 C8 600045 173/02 000510 National CHRO 00-01/181 708/01
000447 National CHRO 119/02 N1 600013 512/02 000511 National CHRO 00-01/188 250/01
000450 National CHRO 110/01 R1 600017 826/01 000515 National CHRO 00-01/249 870/01
000522 National CHRO 02-03/004 127/02
000453 National CHRO 234/01 P6 600118 156/02
000525 National CHRO 02-03/051 398/02
000454 National CHRO 228/01 T9 600005 102/02
000526 National CHRO 02-03/038 62/02
000455 National CHRO 02/02 17/02
000527 National CHRO 02-03/066 278/02
000456 National CHRO 726/02 C2 600114 375/01
000529 National CHRO 02-03/083 332/02
000482 National CHRO 01/202 314/01
000530 National CHRO 02-02/0096 203/02
000483 National CHRO 00/348 16/01
000531 National CHRO 31/00 243/00
000486 National CHRO 02/133 424/02
000533 National CHRO 99/18 K3 600029 482/99
000487 National CHRO 01/278 50/02
000535 National CHRO 99/37 R1 600017 500/99
000488 National CHRO 01/302 59/02 000536 National CHRO 99/70 V2 600092 457/97
000489 National CHRO 02/0201087 147/02 000537 National CHRO 99/113 K10 600107 1064/99
000490 National CHRO 01/21 100/01 000540 National CHRO 99/165 K3 600029 1016/99
000491 National CHRO 99-00/039 313/99 000541 National CHRO 99/183 R1 600017 37/00
000492 National CHRO 99-00/050 490/99 000543 National CHRO 99/50 R3 600083 523/99
000493 National CHRO 99-00/071 191/99 000544 National CHRO 01/14 632007 16/01
000494 National CHRO 99-00/075 592/99 000546 National CHRO 01/89 K4 600040 726/01
000496 National CHRO 99-00/091 771/99 000547 National CHRO 01/114 G3 600005 1352/01
000497 National CHRO 99-00/099 140/00 000548 National CHRO 01/153 F4 600052 837/01
000498 National CHRO 99-00/102 60/00 000549 National CHRO 01/183 600032 1183/01
41 42
ARNO Insurers Claim # PS Code PS PIN Cr. # WE AND OUR SOCIAL bribery, favoritism and various other
000551 National CHRO 01/344 281/02 OBLIGATIONS elements, these people are not able to
000552 National CHRO 01/193 J2 600020 2050/00 raise either their social status or their
By Ms. Ambica Ananthan B.A. (Psy),
000554 National CHRO 02/557 K8 600106 665/02 standard of living. It is not uncommon to
M.A.(Cr.&Cr.J.Sc.], Director,
000556 National CHRO 02/168 F2 600008 1154/02 find Citizens, amassing money and
Amaran Register (P) Ltd power- obtained through illegal means,
000557 National CHRO 02/169 K6 1075/02
There is an old adage in Tamil, enjoy more respect and privileges in the
Note: which means, “Learn even to steal and society.
At the time of going to press there is no information as to the recovery of vehicles then forget it” ( ). It is This in turn makes the people who
cited in these columns. We request the Police authorities to intimate either the considered that stealing is an art. Learning lead a moral life, think, why shouldn’t we
Insurers or our Office for updating the lists. the art is OK but not practicing it!! Now- earn the same way. That is why many
a-days people follow this, but only the people, due to poverty, resort to such
ATTENTION INSURERS first part and not the second i.e. learning offences. If not properly rehabilitated or
We are sending this Monthly “THE EVER READY UNIVERSAL GUIDE”, to steal but not forgetting it. reformed these petty criminals may
in which we give details of stolen vehicles in a Ready Reckoner format, one copy No individual is born a criminal. become habitual criminals. They become
each to ALL Regional offices of Insurance Companies and District HQ of Police There are many factors that induce him well versed in the techniques of crimes,
all over India, FREE OF COST, for better recovery/loss minimization. to steal such as Psychological (which thereby committing offences without any
There is no charge for Compilation. You may send as many entries as required. include emotionality), Sociological and evidences. This creates problems for the
As soon as a claim is reported (stolen vehicles), attested copies of RC, FIR and Economical factors. Why does a person police to catch them. These statements
Policy (with Claim Number) may be sent to us and we will compile them FREE commit theft? The answer to this question relate not only to theft but also extend to
OF COST in the list and publish in the next issue. is --- other crimes also.
1. Survival — necessity When compared to other forms of

SUBSCRIPTION crimes, theft is petty in nature. But in such
2. Greed — vanity
theft cases identification is very difficult.
The subscription is open to Insurance companies, Banks, Financial institutions,
Job opportunities for every The amount of time, energy and money
Members of Claims Investigators Association of India and Licensed Insurance
individual in our country is impossible, spent to trace the vehicle at present is very
Surveyors only.
because India is a developing country and high and the Public in whatever way that
Individual copy - Rs 100/- stands second in population, next only to is possible must help the Police. This is
Half yearly - Rs 550/- China. Most of the families in India are where AMARAN REGISTER of lost
below poverty line. Due to corruption, vehicles, was conceived and the Pilot
Yearly - Rs 1000/-
43 44
issue was published in March 2002. It is EXTRACTS FROM AN away and got his policy by paying the with a flat “NO” thus hiding the fact that
by now established that people’s INVESTIGATION REPORT premium. In the narration, there were two he took an ‘ACT only’ policy elsewhere.
participation is the hallmark of any big holes. One is that the insured could Thus it was proved the duplicity of the
(Very close proximity claim)
successful plan for crime prevention and not explain how the Police have recorded insured and the claim was repudiated.
control. An insured preferred a claim on the the receipt of the complaint 9 days after ---------------------
Insurers for the loss of his vehicle through the reported incidence and how the RTO
The police personnel are expected Quotable Quotes
theft. The Policy commenced from 13.00 accepted the tax without an Insurance
to be on duty 24 Hrs a day, seven days a
Hrs on 12.4.1990. According to the
week. Burdened with spate of crimes and
Policy. Incidentally, branches of another “There is
insured, the vehicle was missing from5.00 two subsidiaries of GIC were situated in
heavy paper work on one hand, terrorism no such thing as a problem
pm on the same day. The insured, a the same building as the RTO. From one
raising its ugly head and security of VIPs
criminal Lawyer in Madras High Court, of the Branches it was found that the
on the other hand, the efficiency of our without a gift for you
lodged a complaint with the Police and insured had taken an ‘Act Only’ policy
Police gets a beating. As a citizen, each in its hands.
sent a copy to the Registrar of Courts. on 10.4.1990 effective from 10.00 am.
one of us must help in prevention of crime
out of civic sense and other legal On verifying the RC book, it was Upon verification with the Registrar You seek problems
obligations wherein we are bound by law found that the tax was paid on 10.4.1990 of the Courts, it was confirmed that the
and the transfer of ownership endorsed because you need
to prevent crime. insured’s letter was received by them on
on 19.4.1990 (with effect from 9.4.1990). 12.4.1990 itself. According to the their gifts”
A heavy responsibility also devolves
The previous policy expired on 30.9.1989. statement of the insured, after 5.00 pm
on institutions and organizations handling
The break in insurance was 6 months and he went to the parking lot to take his
large sums of money or has custody of
one week before the present policy was moped. When he found it missing “Argue
public funds. People should learn to avoid
taken. On scrutinizing the FIR, it was searched many areas in the same
victimization at the hands of the criminal for your l imitations
found that the complaint was lodged by compound, which is huge by any
elements that move all round them with
the insured on 21.4.1990. standards. Thus between the time he and sure enough
no particular tag that distinguishes them
A branch of the Insurance Company found his moped missing and the time he
from others. they’re
at Parry’s corner issued the Policy and the decided to report to the Registrar, atleast
“Let somebody else do it” attitude should
RTO is situated at Guindy 12 kM away. half an hour would have elapsed, by yours”
change. Instead “Let us do it together” which time the Registrar’s Office would
On enquiries, the Insured informed that
sounds better. We from Amaran Register
at 12.30 pm he went to the RTO at Guindy have been closed. A letter was sent to the Quotes from ‘Illusions’
welcome any suggestion to improve this insured by RPAD asking him whether
and paid the relevant fees for transfer of by Richard Bach
publication. there is any other policy on the same
ownership of the vehicle to his name and ---------------------------
--------------------- went to the Insurance company 12 kM vehicle. The insured returned the query
45 46
Cost of keeping Recovered Thus the Insurance companies are Step 3 - The legitimate owner, when Banks and Financial Institutions
Vehicles in safe custody and not in a position to dispose of the vehicle identified, may be intimated to take
Prevention is better than cure. A
suggestions to reduce it to reasonable and they also do not have financial powers possesssion of the vehicle --
familiar phrase indeed. Banks and other
levels) to spend in maintaining them. unconditionally. The Insurance
financial institutions lend money on
The vehicles traced by the Police Here also the realisable value of the companies may be allowed to dispose of
vehicles. Even though they check the RC
Department are kept under the custody of vehicle goes down in an increasing rate the vehicles in their normal process.
there is no way for them to verify whether
the respective Police station, till they are as time passes, where as the expenses for Advantages of the above proce - the vehicle is stolen property or not.
handed over to the legitimate owners safe custody of the vehicle, by way of dure: - When the authorities confisticate the
through a Court Order. garage rental etc., goes up and in the
process the Insurance companies incur 1. The Police are relieved off the vehicle, the financial institutions and/or
There are instances where the details additional burden/responsibility of Banks end up in loss. This can be avoided
more loss when the expenses overtake the
of legitimate owners are not available to safegaurding the vehicles and transporting if at the time of issuing loans they can
realisable value. Thus heads or tails both
the Police. In such cases, the Police them physically to and from the Court check up with this ready reckoner. We
ways Insurers lose in the present system.
personnel are burdened with the house, thus save valuable time, energy have compiled details of stolen vehicles
additional responsibility of safe guarding This constitutes wastage of valuable
and money which can be diverted to more with the data provided by the Insurance
them. There is no financial provision in time, energy and money for both the
productive avenues. Companies.
the Police department for maintaining the Police and the Insurance companies.
vehicle in the same condition throughout These wastages are NATIONAL LOSS 2. The Insurance companies will be This service can be extended to other
the period it is under their custody. Thus by any yardstick. able to realise the maximum possible areas also in which the Banks/Finaincial
it becomes beyond their control, if the value.And they won’t mind spending for Institutions have an interest. This booklet
There is a way to resolve this
vehicle deteriorate as the time passes. In the photos and notarizing expenses which is issued free of cost to all Head Offices
problamatic situation.
spite of the best efforts of the Police it is will be minimal. of the Institutions and Banks for infor
Step 1 - As soon as a stolen vehicle mation.
impossible to keep the vehicle in the same 3. The time, energy and money
is traced and taken into custody, photos
condition and they have to account for saved thus can be better utilised else Please kindly send in your valuable
can be taken to show the condition of the
them.
vehicle and filed for records and as where. comments so as to enable us to fine tune
In case of vehicles handed over to evidence in lieu of physically presenting this publication.
(This suggestion is submitted for
Insurance companies, a condition is the vehicles at court. consideration of authorities concerned ! Why every Division/Branch of
normally imposed by the Magistrate, that
Step 2 - The photograph thus taken If implemented, it would end up in Insurance Companies need this Ready
the vehicle is not altered in any way and
may be notarised by producing before a savings all round!!) Reckenor?
must be produced as and when the Court
notary public.
orders so.
47 48
The above question can be answered was no claim reported during the currency THIRD PARTY CLAIMS nearest jurisdiction police for preferring
with an example – which actually of the Policy. Imagine what would have a complaint. Supposing both the driver
occurred. happened if there was a TP claim!! The AN INTRODUCTION are involved in the accident resulting in
original owner who lost his vehicle would By Mr. K.S. Sounder Rajan, the bodily injuries to both of them, then
One insured who lost his
have been taken into task and the Insurers the hospital which admits the drivers
Ambassador car on 29.9.1990, preferred President, Claims Investigators
would have found themselves in utter along with other injured, if there are any,
a claim on The New India Assurance Co. Association of India
confusion.Such problems can be avoided should report to the jurisdictional police
Ltd. Based on the non-traceable certificate
through referring this ready reckenor, On the outset we would like to state after giving first-aid. Normally, any
issued by the Police, and the report of the
which will be updated every year, and that a third party claim arise out of a road injured person in a RTA is supposed to
Insurance Investigator, the Insurers
supplements issued every month. traffic accident in a motor portfolio. In be in the hands of the law enforcing
settled the claim. All of a sudden the
such an event the person who sustained a authority because the accident has
insured received a renewal notice from
Other Interesting Options bodily injury has to necessary resort to occurred in a public place, where the law
The Oriental Insurance Co. Ltd in
This system of Loss Minimization legal course for compensation against the enforcers will only be having the right of
December 1991. He brought the renewal
can be further extended to Laptop theft insurers of the offending vehicle and also securing the bodily injured person to the
notice to The New India Assurance Co.
claims where the Insurers settle owner-cum-insured. In any third party nearby government hospital. In the
Ltd RO, Chennai and showed to the
substantially high amounts for a small but case or in any case so far as insurance is absence of the Govt. Hospital not being
Officer in Motor dept. The matter was
costly business tool. concerned the first claimant would be the there, by chance, then there are approved
taken up for investigation and it was found
Do you want agricultural pump sets insured even after execution of right of or nominated trauma care hospitals.
that-
to be included? A separate list can be subrogation. The first party the claim These are the hospitals, which know the
An “ACT only” policy was issued would be the insured and the insurers take procedures involved in admitting a RTA
prepared!
for the same vehicle just 13 days after the over the liability after satisfying victim, which is in medical parlance
Cell phones? — Can be
Police had issued a non-traceable themselves a proper claim is established known as medico-legal case. The
accommodated. Any thing that has a serial
certificate!!! The proposal form was on the insured. jurisdiction police on receipt of the
number, which cannot be easily erased,
found signed by somebody else in the information from the hospital register a
can be accommodated. Once a plaint is made on the insurers
insured name. Lack of current list of case and start dealing with the case as per
the insurers would resort to going through
stolen vehicles at the under writing office Total loss vehicles list can be maintained the condition at the site of accident.
the criminal case records of the
had made it possible for the culprits to separately
jurisdiction police, in which the complaint What we mean here is, there could
obtain an Insurance certificate which is a
was lodged for the road traffic accident. be some victims, who may have sustained
valid document on the highway. Luckily
Either the offending vehicle or the only injuries or some of whom may have
for The Oriental Insurance Co. Ltd, there
other vehicle in collusion should go to the died due to the accident. Different aspects
49 50
are to be looked into in the event of these upon the veracity of the report of the MVI, claim, the scheme is known as Jawahar laid down procedures to split the
two. One is in the event of a fatal case, doctor vis-à-vis the spot of the accident, Rojgar Yajana. In the event of person compensation, so arrived and deposit the
the police is supposed to conduct their investigation findings. In the event approaching JRY, there is possibility of portion of the compensation of the minor
aninquest on the spot, with the available of a commercial vehicle, the police have negotiation, between the insurers and the children in a nationalized bank and the
witnesses, take photographs of the to really and thoroughly check the vehicle claimants. In the vent of MACT also it is minors have the right to utilize the money
deceased in the condition as he/she is have the permit for plying the same on available, but it has to be argued before as they deem fit on attainment of majority.
lying and remove the body for conducing the road, in the route in which the accident the tribunal and the appropriate authority
Once the insurers accept the liability,
had taken place, whether the drivers have will pass the award.
the post-mortem. In the even of the they pay a sum of Rs. 50,000/- as no fault
necessary valid driving license with
bodily-injured victim, he has to be taken There is an administrative liability. For all these, one has to
necessary endorsements.
to the nearest Govt. hospital and if the procedure, drawn by the insurers to have necessarily have a policy. In the event of
injured victim is conscious, then the There are incidents we have come settlement effected for MACT cases, a comprehensive policy, depending upon
police may have to record his version of across where a person sustaining injuries before a Lok Adalat, which is being the merits, the insurers have the
the accident and then to analyse, whether because of the vehicular hit, but not able conducted by the insurers at regular prerogative to accept or disown the OD
he really sustained the injury only because to identify the vehicle immediately intervals. Those seek compensation, even portion of the claim. But, it is for certain
of the accident or otherwise. Then the because the vehicle hitting the person, in MACT courts, can approach the Lok and sure the third party liability,
police have to draw a rough sketch of the does stop and flee away from the scene. Adalat, in order to have speedy especially with regard to injury to the
scene of occurrence, at the spot. They Yet, the person-sustained injuries go to settlement, here again the insurers have person it is statutory obligation that the
also record, witness statements under the jurisdictional police for complaining the flexibility to negotiate and fix the insurers have to discharge necessarily
section 161(3) of Cr.P.C. The driver of without the specifying the make and compensation. In Lok Adalats, normally once the criminal case is conclusively
the offending vehicle has arrested and the model of the vehicle or its number. In a competent doctor, a retired judge and proving involvement of the vehicles so
vehicle involved will be seized and sent that event, the police have enormous retired personnel from insurers, would insured, resulting in hospitalisation/death.
to RTO and production before MV responsibility cast upon them to scan the form the team to analyse the extent of
vehicles that have passed through the injuries resulting in disability and About the Author
Inspector for his inspection and
observations. The MV Inspector has to route in which the person sustain injuries accordingly they have a formula of Mr. K.S. Soundararajan is one of the
categorically say whether the accident before fixing the vehicle. arriving at the compensation. If the Founder members of Claims Investigators
was due to mechanical failure or After all these process, one has to compensation offered by the insurers is Association of India and First elected
otherwise. go to Court to file a case in Motor acceptable to the claimant, they can file president of the Association.
The Police have to wait for the Accident Claims Tribunal, which a satisfactory memo with the court and a All About Investigations (1)
wound certificate or death certificate by normally deal these cases. There is one consent award would be passed.There are
incidents where the claimant may have (by P. Ananthan, Editor)
the hospital authorities before laying the other procedure, which also claims can
charges. They lay the charges depending be made, depending upon the amount of minor children, in which event there are
51 52
Preamble: - Work assignment and what to ask work, without any ambiguity. In representatives during intimating the
The Insurance Business is fast for complicated cases this would take three claim might create suspicion and cause
expanding in India and the competition or more sittings with the Insurers. for resultant investigation Photocopies of
When a claim is made the Insurers
between Insu rance companies are hotting 3. Before taking any step in carrying Claim form, RC, DL, Policy and FIR form
check the documentation for correctness.
up. In the interest of business, claim out the investigation, it is important to the basic documentation.
If there is any descrepency found in the
settlements are faster than ever! study the material on hand and do a full-
documentation, the Insurers may ignore Photos showing the conditions of the
For a healthy business, the Insurance it or send the papers for investigation. fledged homework. vehicle at spot/final survey if available are
companies need to be watchful for important documentation. They show the
The Insurers should decide the scope 4. It is very important to keep the
fraudulant claims and if there is ground conditions present at the spot/final survey.
of investigation and clearly spell out their Insurers informed of the progress at
for suspicion they go in for investigation. Investigator should select the photos that
requirements to the Investigator. It might regular intervals.
A thorough and detailed investigation are clear and identifiable.
helps to bring out the facts of the claim not be always possible to decide the Details of documents normally
on hand and the suspicion cleared. scope. In such cases the Insurers should required.: - In the second case, the mismatch
indicate the general requirements and as would have come to light when the spot/
Insurance investigators have their
and when the Investigation progress Motor Claims - OD final surveyor makes a specific remark in
tasks cut out. Their reports are expected
decide their requirements at an early Normally investigation of Motor OD his report. In that case a copy of the spot/
to stand the scrutiny of Law enforcing
stage. This would help the Investigator claim will be resorted to in case of - final report maybe taken along for careful
agencies. Thus it is absolutely essential
to be more effective. study.
for the Investigators to be thorough in 1) Close Proximity (when accident
their work. The Investigators on receipt of the occurs within a specified period after issue In the case of contradiction found in
This serial is an attempt to help the assignment should check for the of policy when the policy was issued after documents, the Investigator should ask for
Insurance Investigators in their day to day following:- a break in insurance) photo copies of all relevant documents
activities. which is the basis of the assignment.
1. Whether all documents per taining 2) Cause of accident as narrated in
For the officers of Insurance to the claim are there. To avoid future the claim form/FIR not tallying withthe Documents required in the case of
companies directly handling the claims, complications, it is preferable to take extent and type of damage physically mediclaim (continued in the next issue)
this serial will be helpfull in defining the xerox copies, leaving the originals insafe found on the vehicle.
scope of work assigned to Investigators. custody of the Office concerned. The Hare & The Tortoise
3) When there is a contradiction
The first step is work assignment and 2. Get a clear idea of what is Must read every part of the story
found in the documents
what to ask for. expected of them. Discuss, with the Once upon a time a tortoise and a
officer handling the claim, the scope of 4) Some times even odd and/or
hare had an argument about who was
unnatural behaviour of the Insured or their
53 54
faster. They decided to settle the argument The moral of the story? Fast and The moral of the story? First identify together. They both felt a greater sense
with a race. They agreed on a route and consistent will always beat the slow and your core competency and then change of satisfaction than they’d felt earlier.
started off the race. The hare shot ahead steady. If you have two people in your the playing field to suit your core
The moral of the story? It’s good to
and ran briskly for some time. Then organization, one slow, methodical and competency.
be individually brilliant and to have strong
seeing that he was far ahead of the reliable, and the other fast and still reliable In an organisation, if you are a good core competencies; but unless you’re able
tortoise, he thought he’d sit under a tree at what he does, the fast and reliable chap speaker, make sure you create to work in a team and harness each other’s
for some time and relax before continuing will consistently climb the organizational opportunities to give presentations that core competencies, you’ll always perform
the race. He sat under the tree and soon ladder faster than the slow, methodical enable the senior management to notice below par because there will always be
fell asleep. The tortoise plodding on chap. you. situations at which you’ll do poorly and
overtook him and soon finished the race,
It’s good to be slow and steady; but If your strength is analysis, make someone else does well.
emerging as the undisputed champ. The
it’s better to be fast and reliable. sure you do some sort of research, make
hare woke up and realised that he’d lost Teamwork is mainly about
the race. The moral of the story is that But the story doesn’t end here. The a report and send it upstairs. Working to situational leadership, letting the person
slow and steady wins the race. tortoise did some thinking this time, and your strengths will not only get you with the relevant core competency for a
realised that there’s no way he can beat noticed, but will also create opportunities situation take leadership.
This is the version of the story that
the hare in a race the way it was currently for growth and advancement.
we’ve all grown up with. There are more lessons to be learnt
formatted. He thought for a while, and The story still hasn’t ended. The
But then recently, someone told us from this story.
then challenged the hare to another race, hare and the tortoise, by this time, had
a more interesting version of this story. It but on a slightly different route. Note that neither the hare nor the
become pretty good friends and they did
continues. tortoise gave up after failures. The hare
The hare agreed. They started off. some thinking together. Both realised that
The hare was disappointed at losing decided to work harder and put in more
In keeping with his self-made the last race could have been run much
the race and he did some soul-searching. effort after his failure.
commitment to be consistently better.
He realised that he’d lost the race only The tortoise changed his strategy
fast, the hare took off and ran at top So they decided to do the last race
because he had been overconfident, because he was already working as hard
speed until he came to a broad river. The again, but to run as a team this time.
careless and lax. If he had not taken things as he could. In life, when faced with
for granted, there’s no way the tortoise finishing line was a couple of kilometres They started off, and this time the failure, sometimes it is appropriate to
could have beaten him. So he challenged on the other side of the river. The hare hare carried the tortoise till the riverbank. work harder and put in more effort.
the tortoise to another race. The tortoise sat there wondering what to do. In the There, the tortoise took over and swam Sometimes it is appropriate to change
agreed. This time, the hare went all out meantime the tortoise trundled along, got across with the hare on his back. On the strategy and try something different. And
and ran without stopping from start to into the river, swam to the opposite bank, opposite bank, the hare again carried the sometimes it is appropriate to do both.
finish. He won by several miles. continued walking and finished the race. tortoise and they reached the finishing line
55 56
`The hare and the tortoise also learnt a quantum jump and Pepsi has never quite bodies, government institutions and To establish branches, zonal or
another vital lesson. When we stop caught up since. professional institutions in India and regional committees or chapters
competing against a rival and instead start abroad; anywhere in the country or abroad as
To sum up, the story of the hare and
competing against the situation, we thought fit or expedient and to close
tortoise teaches us many things. Chief To organize, promote, start, take over,
perform far better. such branch or body or set up Joint
among them are that fast and consistent run, affiliate, establish, amalgamate and
Committees or Associates in
When Roberto Goizueta took over will always beat slow and steady; work encourage the promotion, running or
cooperation with like-minded bodies
as CEO of Coca-Cola in the 1980s, he was to your competencies; pooling establishment of institutions, for
and meet or share the expenses
faced with intense competition from Pepsi resources and working as a team will imparting in-depth knowledge regarding
therefore as may be decided from time
that was eating into Coke’s growth. His always beat individual performers; insurance and in particular reference to
to time subject to the Foreign
executives were Pepsi-focussed and intent never give up when faced with failure; inves tigation.
Exchange regulations for the time
on increasing market share 0.1 per cent a and finally, compete against the
Subject to the law in force to recognize being in force;
time. situation - not against a rival.
or derecognise diplomas, degrees and
To undertake or to cause translation,
Goizueta decided to stop competing TEAM - Together Everyone certificates issued by other institutions or
printing, publi cation, sale or free
against Pepsi and instead compete against Achieves More organizations;
distribution of books, periodicals, in
the situation of 0.1 per cent growth.
(This story came to us through net To safeguard the interests of the furtherance of the objects of the
He asked his executives what was and the credit goes to the unknown Genius Community of inves tigators and Association and to lay down by
the average fluid intake of an American who thought of this!!) members of this Association observation or otherwise norms and
per day? The answer was 14 ounces. What standards to the extent possible to
Claims Investigators Association of To depute any member of the Association standardize reports.
was Coke’s share of that? Two ounces.
India to receive tuition and/or training in any
Goizueta said Coke needed a larger share
of the above subjects or teaching methods
of that market. The competition wasn’t “Claims Investigators Association
in any place in India or abroad; To
Pepsi. It was the water, tea, coffee, milk of India” is a Registered body of
communicate with and/or affiliate with
and fruit juices that went into the Professional Investigators with the
any world or international body of
remaining 12 ounces. The public should following objectives: -
investigators;
reach for a Coke whenever they felt like
To organize group, class and general
drinking something. To evolve, introduce, enforce codes of
discussions, seminars, debates and other
conduct, ethics and principles in the
To this end, Coke put up vending group activities and to participate in
practice of submission of report and
machines at every street corner. Sales took similar activities organized by other
investigation
57 58
Letter of Authentication for Ready Reckoner Entries Details of Recovered vehicle from Police Stations
Name of Police Station with Code # _________________________

From Date:
Police station area PIN code _________________________
Recovered Vehicle Details _________________________

To
Class of vehicle _________________________
M/s Amaran Register Private Ltd.,
Make (Mention Brand Name) _________________________
A6 Raviram Apartments
New # 75, Arya Gowda Road Model _________________________
West Mambalam
Number on the registration plate _________________________
Chennai 600033
Chassis number on physical verification _________________________
Dear Sirs Engine number of physical verification _________________________

Re: Ready Reckoner Entries
Full address, where the vehicle was recovered: -
We enclose attested photocopies of RC,FIR and Policy of vehicles under theft
claim with us. We have noted the claim number clearly in the Policy copy for Crime Number & Section under which case is registered: -
insertion in the ready reckoner published by you in your monthly “THE EVER
READY UNIVERSAL GUIDE”. Nearest office of the Insurance company where the intimation of recovery given:
The number of sets enclosed are_____(_______________) Remarks if any: -

Please do the needful
Signature of Officer in charge (seal)
Seal Signature of Authorized officer (Please fill up in English only)

59 60
Invitation for articles

SUBSCRIPTION FORM We invite articles from Officers of the Police department, Insurance companies
and Insurance Investigators on the topic of -
From Date: 1. How interactive procedures between Insurance and Police could PREVENT
& CONTROL crimes in general.
2. Links in crimes against Society
To 3. Any other articles that has to reach specific audiance in Police Dept &
Insurance
M/s. Amaran Register Private Ltd
4. Due to the very nature of the distribution, Banks and financial institutions
A6, Raviram Apartments may advertise in these columns of absconding defaulters/vehicles for which
75, Arya Gowda Road they are taking legal action.
West Mambalam Data Collection

Chennai – 600 033 Time interval between the time a recovered vehicle got into possession and the
time it was disposed is a matter of serious concern. The Insurers may submit data
for compilation to be submitted for the consideration of the Judiciary for REAL
Dear Sirs, COST SAVINGS. Format for DATA collection is given inthe next page.
We enclose a DD Number __________________ drawn on Ready Reckoner for Lap Tops

_____________________Bank in favor of Amaran Register Private Ltd. payable Claims on stolen Lap Top computers (a very costly item) also may be reported
with copies of FIR and Policy (if possible copy of specification sheet). The make/
at Chennai, for Rs. 1000 /- (Rupees One Thousand only) as yearly subscription
model & serial number must be indicated clearly.
to THE EVER READY UNIVCERSAL GUIDE for one year.
Advertisement charges
Full Page - 130 mm wide x 160 mm ht - Rs 3000/-
Half Page - 130 mm wide x 75 mm ht or
Office seal Authorized Signatory 60mm wide x 160 mm ht - Rs 1500/-
Quarter page - 60 mm wide x 75 mm ht - Rs 750/-
61 62
Details of vehicles recovered and waiting for disposal Importance of PIN
Loss analysis input The Postal Index Number (PIN) is unique each one for a specific geographical
1. Make of Vehicle : ________________________________ 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.
2. Model : ________________________________ Any one area covered by one PIN will have a maximum of ten according to the
density of population.
3. Date of theft : ________________________________
Thus a code coined with the PIN narrow down the area further and help
4. Date of recovery by Police : ________________________________ create more accurate statistical models.
5. Date of possession taken In most of claim forms/FIRs sent by Insurers for compilation this bit of
by Insurance Company : ________________________________ 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
6. Approximate value at the information for necessary action.
time of taking posession : ________________________________ 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
7. Date of disposal : ________________________________
note the PIN codes without fail.
8. Value realized on disposal : ________________________________
9. Loss of revenue on account WithBestComplimentsfrom

of delay in disposal : ________________________________ Claims Investigators Association
of India
10. Additional expenses incur
(Regd No. 7/2000)
red in keeping the vehicle
in safe custody : ________________________________ # 12, Ram Nagar 5th Street, Nanganallur,
Chennai – 600 061 Phone: 2347501
11. FIR/Return of Property email - cia.india@lycos.com
Order Numbers : ________________________________
For Membership please apply with self-addressed stamped envelope to
12. Insurers DO/BO code : ________________________________
General Secretary /President
Claims Investigators Association of India
Authorized Signatory of Insurers 12, Ram Nagar 5th Street, Nanganallur, Chennai – 600 061
63 64
WithBestComplimentsfrom
ClaimsInvestigatorsAssociationofIndia
(Regd. No. 7/2000)
# 12, Ram Nagar 5th Street, Nanganallur,
Chennai – 600 061 Phone: 2347501
email - cia.india@lycos.com
For Membership please apply with self-addressed
stamped envelope to
General Secretary /President

Claims Investigators Association of India
12, Ram Nagar 5th Street, Nanganallur, Chennai – 600 061
Wanted
Amran 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 finan-
cial institutions
Commission: 20% for advertisements collected & 10% for subscription
collected.
Apply with self addressed stamped envelope to:
M/s Amaran Register Private Ltd, A6 Raviram Apartments,
New # 75, Arya Gowda Road, West Mambalam, Chennai 600033
Printed by V. RAVI and published by R. MOHAN on behalf of MATRIX FINANCIAL

SERVICES LTD and Printed at Jai Ganesh Offset Printers, 19, Venkataswamy Lane,
Santhome, Chennai - 600 004 and Published at No. 146, (Old No. 207) I Floor, R. K. Mutt
Road, Mandaveli, Chennai - 28.
Editor : V. RANGASWAMY
65

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Vol. 1 THE EVER READY UNIVERSAL GUIDE January 2003 Vol.

Vol. 1 THE EVER READY UNIVERSAL GUIDE January 2003

THE EVER READY UNIVERSAL

for the Use of

To trace more number of Stolen Vehicles

INDEX EDITORIAL One of the areas where the Police

HOW TO USE THIS READY RECKENOR

HOW TO USE THIS READY RECKONER AMBASSADOR (All Models)

3. If a match is found note the AR number against it. API LAMBY

BAJAJ AUTO BAJAJ CHETAK

BAJAJ RAVE,SUNNY,SUPER,SUPER FE, HEROHONDA SPLENDOR

LAMBRETTA MARUTHI ESTEEM

MARUTHI OMNI SUZUKI AX (100,100R)

SUZUKI MAX (100,100 R, 100 DC) SUZUKI SAMURAI (Cont’d)

SUZUKI SAMURAI TATA 1520

TVS 50 (XL,XT) Cont’d TVS CHAMP

TVS SPORTS YAMAHA RX 100

1. Survival — necessity When compared to other forms of

Name of Police Station with Code # _________________________

Recovered Vehicle Details _________________________

Dear Sirs Engine number of physical verification _________________________

The number of sets enclosed are_____(_______________) Remarks if any: -

Signature of Officer in charge (seal)

Seal Signature of Authorized officer (Please fill up in English only)

Invitation for articles

West Mambalam Data Collection

We enclose a DD Number __________________ drawn on Ready Reckoner for Lap Tops

9. Loss of revenue on account WithBestComplimentsfrom

General Secretary /President

Printed by V. RAVI and published by R. MOHAN on behalf of MATRIX FINANCIAL

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The number of sets enclosed are_(___________) Remarks if any: -