[Resolved]  National Insurance Company — Third party claim

Address:

Hyderabad, Andhra Pradesh

Dear sir,

I would like some clarification regarding third party claim due to road accident. I was hit by a two-wheeler (bike) while crossing the road in Hyderabad and had loss of consciousness for about 4-5 minutes. My son age 12 and my sister's son age 13 were also with me. Thankfully, they were not hurt. I was admitted at a nearby hospital where a CT scan of the brain was done as I had vomited after being admitted and had slight bleeding from the nose. The CT scan showed clots on either side of the head with right temporal bone fracture on the right side. I had mild fracture of the facial bone, collar bone, etc. I was in the INCU for a week and was discharged after 12 days at the hospital. The neurosurgeon advised me not to wear any headphones for at least a year since I was working as a Medical transcriptionist and needed to wear one. He put me on anti-epileptic medication for 3 years and told me that I have to take them in order to prevent convulsions.

My query is, when we put a third party claim, we were told by the insurance company manager that they were not liable to pay any compensation since the vehicle owner's policy did not contain a clause that mentions that compensation will be paid towards third party claim and the insurance company rejected the application for the claim. Up till now, I have incurred expenditure amounting to 75000/- plus I cannot resume my old job and will be spending another 10000/-towards medication for 3 years.

I would like to know if there are any such clauses, where in, a third party claim due to road accident will not be entertained by the insurance company.

Anticipating a reply which would help me take the best course of action.

Thanks and regards,
Road accident victim