Insurance claim help :"(

[iiqbal]

Well this is the most Absurd thing i have ever heard. A company like Adamjee, settling around 10,000 motor claims a year would be doing something like this. (I don't work for Adamjee btw). Legally speaking our poster was NOT supposed to be driving w/o a licence. Now he must have mentioned that he was driving at the time of the accident to the call center operator and his statement must have been recorded. No use lying and trying to cover up things.
Be a man, accept your mistake and then take the heat for it.

Cheers.

p.s .... As everone mentioned, get a licence before you get into bigger problems(Gor Forbid)

Well as i said before , I am saying this thing on the basis of my experience.That companies are doing this. If you want to see in reality then plan visit with me for workshop working for insurance companies

[AliTepu]

So do you think that by lyingto insurance company and recovering some bucks from insurance company will safe you from future loss?

Have faith in Allah and be honest. Allah will save you from greater loss.

actually its not my money.my dad supports me thats why

[waqastariq]

1. Do not tell them you were driving. Instead tell them that your driver was driving.
2. Wait for the papers.
3. Do not drive unregistered car. (Some insurance companies deny the claim, if car is stolen unregistered)
4. As soon as you receive your papers go for the claim.
   (Below suggestion is from a car dealer, not from me)
   One other thing, as you said it's a major accident. I am assuming your car's value will depreciate in the future. Which is not good in case of a new car. So my suggestion is that throw your car somewhere in the village, report it stolen and you will receive 100% of the car value amount back. This way you can buy a new car again and insure it again.

What you are suggesting is ILLEGAL, if the guy does this and gets caught he will be jailed for insurance fraud for at-least 10 YEARS... your type of mentality is exactly what has made Pakistan what it is today a failure.

[AliTepu]

saying it is easy but acting upon is very hard in my case

[Anaam]

actually its not my money.my dad supports me thats why

does it make any difference?

[waqastariq]

and i m not doing the theft thingy claim.

The point is a) you ARE insured b) You do not have a license so your clain would be invalid... so if you use license of someone else that is theft and insurance fraud... if you can go and buy a car worth more than a million ruppee's and you can't spend 2-5,000 to get you license made then you deserve to pay this on your own.

[AliTepu]

i am in fact willing to pay for driving license and soon i will have one but for the time being i need it.
i know its a crime but i already mentioned if i had bought car with my money that wouldnt be a problem.

[waqastariq]

OK, read it again,

So you were driving an unregistered car... A Crime
You did not have a license ... An Offence
You want to defraud the insurance company with a false claim... a Crime
You most probably are underage to drive... An Offence

And you want the PakWheels community to help you do that?

Do you know if the 'accident' you were involved in took a life, there is a death penalty for car drivers without license... if you and your dad knew about this then he was also involved and teaching you how to commit crime... and then people like you come to the forums and rattle about thefts, rising prices etc... reconsider who you call a thief.

[TireShredder]

Well as i said before , I am saying this thing on the basis of my experience.That companies are doing this. If you want to see in reality then plan visit with me for workshop working for insurance companies

Iqbal Sb,

I am in Insurance business and happen to have some experiance as well. I am not negating your experiance, but if its happening somewhere then its some corrupt insurance professional involved with some workshop. It is not the policy of any professionaly run insurance company. Just my 2 cents.

Regards,

[AliTepu]

OK, read it again,

So you were driving an unregistered car... A Crime
You did not have a license ... An Offence
You want to defraud the insurance company with a false claim... a Crime
You most probably are underage to drive... An Offence

And you want the PakWheels community to help you do that?

Do you know if the 'accident' you were involved in took a life, there is a death penalty for car drivers without license... if you and your dad knew about this then he was also involved and teaching you how to commit crime... and then people like you come to the forums and rattle about thefts, rising prices etc... reconsider who you call a thief.

offcourse i know this stuff
car is unregistered coz of the late invoice.
i m not underage to drive.
it is matter of days untill i have a learner license.
i was driving very carefully and in very slow speed in city.
i know the worth of a human life.

if licensed driver kill anyone due to carelessness why he dont get penalty?

[TireShredder]

offcourse i know this stuff
car is unregistered coz of the late invoice.
i m not underage to drive.
it is matter of days untill i have a learner license.
i was driving very carefully and in very slow speed in city.
i know the worth of a human life.

if licensed driver kill anyone due to carelessness why he dont get penalty?

He does my friend, if its his fault. But in your case how you drive is not the issue. You are NOT supposed to be driving at all w/o a license no matter how carefully.

My friend, dig deep in your concious. You know you are wrong. Sooner you realize that, the better it will be for you. Otherwise, a career in Politics?

[AliTepu]

i really liked ur comment man.
i know i m not justifying my action.i m WRONG.
issue is its not my money as i mentioned and career in politics?
mmmm may be not,atleast in pakistan(where u r forced to do wrong actions)

[TireShredder]

i really liked ur comment man.
i know i m not justifying my action.i m WRONG.
issue is its not my money as i mentioned and career in politics?
mmmm may be not,atleast in pakistan(where u r forced to do wrong actions)

You are the MAN.

One more thing, no one can force you to do anything.

[capsat]

Very sorry about your loss., very bad.

without number plate, without registration book, without driving licence, without insurance policy confirmation you took a brand new car somewhere distant and screwed up. did u took car to show-off ?? Nazar lag hi gai -

try to be honest to yourself, or else you may pay later a hefty price.

hanky panky of course Pakistan Zindabad, but how about your ZAMEER

[nasir007]

I dont think there is an issue even if you had a license or not because they insured your car not the driver...!!!!
plus, you may claim after your cheque is cleared and thats it !!
Dont take stress, cheer up buddy...this is Pakistan

[rashid81]

I dont think there is an issue even if you had a license or not because they insured your car not the driver...!!!!
plus, you may claim after your cheque is cleared and thats it !!
Dont take stress, cheer up buddy...this is Pakistan

Bhai u r too late to give him an advice see the date of 1st post

[waqar613]

i really liked ur comment man.
i know i m not justifying my action.i m WRONG.
issue is its not my money as i mentioned and career in politics?
mmmm may be not,atleast in pakistan(where u r forced to do wrong actions)

salam. hey any updates.. about your accidented car?
you havent posted any comment yet.
please let us know

[capsat]

[yasar4321]

hello
I want to ask that my car engine seazd so do insurance cover it.
thanks

[abid110]

nopes. insurance doesnt cover this. but if engine is damaged in an accident, water damaged then insurance coverage is there for it