Namskar dosto kisi bhi vehicle ke liye uska insurance hona bhut hi jaruri hai eske bare me hamne hamari “ Vehicle Insurance Kya Hai ? Iske Bare Me Puri Jankari ” post me ache se btaya hai. Vehicle ka insurance karvane ke bad bhut se log aaisa sochte hai ki ab hame kisi bhi tarah ki koi Tension lene ki jarurat nhi hai. Hamare vehicle ko ab chahe kuch bhi ho jaye accident me huye loss ki puri rakam insurance company degi lekin dosto aaisa sochana galt hai. Jab bhi hamara koi vehicle accident ho jata hai to uski puri rakam Insurance company nhi deti hai. Accident hone par insurance company hame kitne rupye degi ? Kya accident hone par hame apne vehicle ke sabhi parts ka harjana milega ? Kis tarah ki tut-fut me company hame claim degi ? Road Accident Insurance Claim in Hindi l एक्सीडेंट क्लेम की जानकारी Dosto Es tarh ke sabhi sawalo ke jabab apko es post me milege. To aaiye dosto jante hai ki ….
Road Accident Insurance Claim in Hindi l एक्सीडेंट क्लेम की जानकारी
Table of Contents
Hamare Kisi bhi vehicle Bike, Car, Truck etiyadi ka accident hone par hame insurance company se kitne rupye milte hai yah janne ke liye hame Motor Policy act ke kuch rules ko samjha jaruri hai.
1. Insurance company me claim ke liye kon apply kar skta hai ?
Ek dost ne hamse sawal kiya tha ki mere bike ka tayar fat gya hai to kya mai insurance company se claim le skta hu ? Eske liye sabse phle company ye dekhti hai ki tayar kaise fat hai ? Yani ki agr apke kisi bhi vehicle ka part normally damage ya kharab ho gya hai to company apko claim nhi degi. Agr apke vehicle ka part kisi accident me Tut gya hai to us time hi company claim dene ke liye teyar hoti hai. Dusri bat hame company ke samne ye prove, Sabit karna hoga ki hamre bike, car or truck ka part accident me kaise tuta, kha tuta eski puri jankari hame company ko dini hogi.
2. What is Compulsory and Voluntary Deductible in Hindi ?
Compulsory Deductible kya hai : Eska matlab hai Anivary Ktouti ( अनिवार्य कटोती ). Jab bhi aap kisi vahan accidental ka claim kroge to company ka rule hai ki apko apni pocket (जेब) se kuch amount deni hogi. Yah amount 2 tarha ki hoti hai. Compulsory & Voluntary Deductible amount. Compulsory Deductible me jo amount company ke dwara fix ki gyi hai ha vo hame phle deni hi padti hai . Two Wheelers ( Bike, Scooter etc. ) ke liye Rs. 500, Private car jo 1500 cc se niche hai uske liye Rs. 1000 or Jo 1500 cc se upar hai uske liye Rs. 2000, Commercial Vehicle ke liye Rs. 1000 ki amount hoti hai.
Voluntary Deductible Kya hai : Eska matlab hota hai apni echha ke anusar jo rupye ham company ko dene chahe de skte hai. Eska fayda ye hota hai ki jab ham dobara se apne vehicle ka insurance krvate hai us time hame uska labh mil jata hai.
3. Difference Between Compulsory and Voluntary Deductible in Hindi ?
Compulsory and Voluntary Deductible en dono me kya antar hai ese janne ke liye ham ek example lete hai. Ham manke chalet hai ki Raman ki car ka accident ho gya hai or eska nuksan 20,000 Rupye hua hai. Ab agar vah compulsory Deductible ke keval 1000 rupye hi deta hai to usko dobara se insurance karwate samay koi bhi fayda nhi milega. Dusri taraf agr vha en 20,000 rupyo me se 1000 rupye Compulsory Deductible ke or 2000 rupye Voluntary Deductible yani apni echha se jama krvata hai to usko dobara insurance karvate samay 10 -20 % rupye kam dene honge.
4. What is Depreciation in Vehicle Insurance ? Depreciation Kya hai ?
Depreciation ka hindi me matlab hota hai मूल्य कम hona , घिसावट होना. Yani ki vehicle lene ke bad me jaise jaise samay bitta hai vase hi hamare vahan ki limat me bhi Giraavat hone lgti hai. Es vajah se jab hamre vehicle ka accident hota hai to insurance company hamre vehicle ka model dekh kar hi uska claim deti hai. Eska Percentage 5 se 50 % tak hota hai. Jaise koi kisi car ka model 2010 hai or vo 2014 me accident ho gyi to insurance ki jo puri amount hai usme se 20% cut ke hame rupye milege. Eske andar sabhi tarah ke part aate hai jaise Plastic, Metal, Tyar, Sisa (Mirror ) etiyadi.
5. What is No Claim Bonus ( NCB ) in vehicle insurance . No Claim Bonus Kya hai ?
No claim Bonus ka matlab hai ki insurance company pe claim na karne par hame milne wala fayda. Yani ki agar hamne apni car ka insurance karwaya hua hai or pure saal me koi accident wagera nhi hua ya fir hamne company se kisi bhi tarah ka koi claim nhi liya hai to eska fayda hame agli bar fir se insurance karvane me hoga. How to work No Claim Bonus , No claim bonus Kaise kam karta hai aaiye jante hai eske bare me.
Pahle saal koi claim na lene par 20 % bonus ( Fayda )
Dusre saal koi claim na lene par 25 % bonus ( Fayda )
Pahle saal koi claim na lene par 35 % bonus ( Fayda )
Pahle saal koi claim na lene par 45 % bonus ( Fayda )
Pahle saal koi claim na lene par 50 % bonus ( Fayda )
Yani ki jab aap dusri bar insurance karwaoge to apko 20% छुट mil jayegi.
Dosto insurance company dwara diye jane wale claim ke liye ye kuch rule the jo hamne apko bataye. Ham aasa karte hai apko hamari jankari ache se samjh aaye hogi agr fir apka koi sawal hai to aap hame comment box ke jariye bta skte hai.
जरुर पढ़े :
- Vehicle Insurance Kya Hai ? Iske Bare Me Puri Jankari
- Vehicle Registration Kaise Karwaye ?
- All Traffic Rules and Fines in Hindi
- Driving License LMV Kaise Banwaye ?
- Heavy Driving License Kaise Banwaye ?
दोस्तों आपको हमारी ये जानकारी Road Accident Insurance Claim in Hindi l एक्सीडेंट क्लेम की जानकारी कैसे लगी हमें कमेंट बॉक्स के जरिये जरुर बताये और आपको ये जानकारी अच्छी लगी तो अपने दोस्तों के साथ ज्यादा से ज्याद शेयर करे.
Ram says
Bahot he acchi jaankari di apne.
अमर सिंह says
भाई जी मेरी कार का एक्सीडेंट हो गया है। वोकर मैं चला रहा था। पर कार मेरे भाई के नाम पर है। तो क्या मैं क्लेम कर सकता हूँ
Rohtash Nimi says
dekhiye vaise to aap kr skte hai claim ke liye apply agr apke pass lisence hai to… or dusri bat ye hai ki kafi insurance compniyo ke rule ke anusar jiske naam gadi hai vhi claim kr skta hai agr dusra gadi chala rha hai to nhi kr skta… aap ek bar company me kisi se bat kr le es bare me
अमर सिंह says
भाई जी मेरी कार का एक्सीडेंट हो गया है कर मैं चला रहा था। पर कार मेरे भाई के नाम पर है। तो क्या हम क्लेम के लिए अप्लाई कर सकते हैं।
Dilip kumar says
Sir meri sister ki gaadi h alto lxi 2011 model h jiska accident ho gya h or gaadi me drive kar raha tha par meri sister ke pass license nhi h baaki documents pure h insurance company se clame milega ya nhi
Dilip kumar says
Sir meri sister ki gaadi 2/07/18 ko accident huyi thi or me gaadi drive kar raha tha meri sis. Ka license nhi to insurance company se clem milega ya nhi or documents pure h
Rohtash Nimi says
bhai abhi exam to 8 ko bad me bat krta hu apse
Puneet says
Sir bike ka accident ho gaya tha 3, 4 mahina pahle tab hamney dhiyan nahi diya, to kiya gaadi ka claim abhi mil sakta hai documents pure hain. Dl ,Rc ,insurance Copy etc
Rohtash Nimi says
nhi…ab thda muskil hai… ek bar company se bat krke dekh le
Sunil gurjar says
Sir meri gadi se kisi ka accident ho gya aur mere pas driving license bhi h aur insurance bhi h odebt ka aur motor cycle wale k pas na to driving license h na hi jiske gadi nam h uska license h aur gadi koi aur chla raha h wske pas lerning license h aur jike gadi h vo piche beta huva tha uske to kya use insurance mil sakta h kya motor cycle wale ko please tell me
Rohtash Nimi says
nhi milge eske liye pkka Dl license or RC honi chahiye
Md naimuddin ansari says
Sir mera bike accident me hedlight tut gaya mere pass lisense nahih kya insurance se thik karwa sakta hu plz reply
Rohtash Nimi says
nhi krva skte kyu ki insurance lete samay license ka hona bhut jaruri hai
sandeep says
hello sir meri bike ka accident ho gya or wo mere dost chla rha tha usko bhi thodi chot lgi …ab maine insurance claim kiya to wo bolte apka license nhi h …to mai kha jo chla rha tha uska to h mai kya kru
Rohtash Nimi says
nhi sir jiske naam bike ho uska licence hona bhut jaruri hai aisa rule hai…
Rajendra says
Good Article On Insurance…. If You Want To Know ” What is NCB in Motor / Vehicle Insurance And How NCB Works in Hindi ? ” Then Visit Here :- http://www.howtohindi.in/2017/10/what-is-ncb-in-motor-vehicle-insurance-and-how-ncb-works.html
B pawar says
Gadi Cori hone ke kitne Dino me cleam Milta hy
pankaj says
sir bahoot hi acha laga. thankyou
Rohtash Nimi says
also thank you
Rohan says
Sir mene ek juicer mixer grinder kharida tha .jiska jar bar bar tut jata he .compny ki 2 saal warnty h with home service. Par wo ghar par akar change nahi karta city m bulata h hume 3 bar tut gya h jar .sir ap btaye kya kare kya m consumer court m ja sakta .bar bar mixar ka jar tutane sr pare san hu
Rohtash Nimi says
ha skir aap court csae kr skte ho company par
Nageshwar singh says
Maine 24/11/16 ko maruti swift Kharida jo 05/12/17 ko accident ho guy!insurance company wale khate hai app ko claim nhi milega!karan aapke car ka registration nhi hua hai!ab mujhe Kya Karna hoga?
Rohtash Nimi says
vo shi kh rhe hai car ki rc hona jaruri hota hai ab kuch nhi ho skta…
Ramcharan Dayal says
पहले वर्ष गाडी का बिमी १००० रू मे हूआ तो २ वर्ष कितने मे हैगा ,बिमे का फायदा एक ही कं. से करवाने से होता है
Rohtash Nimi says
agle saal rupye kaam lgege… bima agr ek hi company se krwate rhe to acha rhta hai
pankaj says
My new bike splendor i3s ka headlight tut gaya hai…1 mahina pahle liye the…..mujhe kya karna hoga….
Rohtash Nimi says
headlight kaise tuti hai ? Agr accident me tuti hai to aap campany me claim kr skte ho…
Nadeem Ansari says
Meri byk chori ho gyi h
Mere pass driving licence nhi h
me claim kr skta hu na
Or kiya process
plz reply
Rohtash Nimi says
aap claim ke liye apply kr skte ho eske liye apke pass RC or Insurance ki copy ka hona jaruri hai or sath me apke pass bike gum hone ki FIR copy bhi hone chahiye……. fir aap insurance company me claim ke liye form bhar kr aavedan kar skte ho
jeevab says
Hello Sir.
Insurance Infection letter kiya hota hai
Rohtash Nimi says
Insurance infection letter vo hota jab ham accident hone par claim lene ke liye insurance copmpany ko kthe hai to comapny hamari accident ki puri janh krti hai yani pura infection kiya jata hai us samay eski jarurt padti hai
Rachna says
Very helping post..
mayank Sharma says
Agar hamare paas driving licence nahi h or humse koi excident ho gya or dono parti ko chot aa gyi to iska bhugtaan insurance company karegi yaa nahi or kyo
Puri details batao
Rohtash Nimi says
nhi eska bhugtan insurance company nhi kregi balki ulta aap kar driving license na hone ki vajh se court case bhi ho skta hai.
जमशेद आज़मी says
वाहनों पर मिलने वाले क्लेम के बारे बहुत ही अच्छी जानकारी। इंश्योंरेंंस सेक्टर हमसे क्या लेता हैै और क्या देता है। यह बखूबी समझाया है। बहुत खूब।
Rohtash Nimi says
Thanks Aajmi ji