Car Accident in December 2010: He Expects to be Compensated by the Insurer

The case dates back to December 24, 2010. The vehicle Assam Edun, a resident of Solferino No. 1, Vacoas a Nissan Urvan registered 2181 AP 10, goes to Curepipe borrowing Sivananda Avenue. He is the son of Assam Edun who is driving. Suddenly, a car registered 3060 NV 92, oncoming, double truck and just collide Nissan Urvan.The driver of the car registered 3060 NV 92 recognizes the fault and the accident is reported to insurers. Nissan Urvan is insured with the New India Assurance Co Ltd, while the other vehicle is insured at Phoenix Insurance (Mauritius) Ltd. 

Two insurance experts recommend that car Assam Edun is considered 'total loss'. However, the mechanic contacted Mr. Edun meanwhile insists that the vehicle can be repaired. "He advised me not to accept the vehicle is considered a total loss," says our interlocutor. 

"Given the nature of my work, I have to move constantly to take care of the property of my children. So I chose to repair the vehicle. "The garage makes him an estimate that the total stood at Rs 437,000 (cost of repair: Rs 425,000 and renting a car 'contract' for fifteen days at the rate of Rs 800 per day for a total of Rs 12 000). 

However, greater will be his surprise when Phoenix Insurance (Mauritius) Ltd refuses to pay this amount. The insurance company does not offer him that Rs 137,000 compensation. Contacted by telephone, a company responsible for this will give us a different version of events. According to him, it was agreed at the outset that this sum (which includes the cost of repair of Rs 125,000 and Rs 12,000 for the rental of a car 'contract' for fifteen days).He added that the sum of Rs 125,000 has already been given to mechanic who repaired Nissan Urvan Mr. Edun.That denies Assam Edun. 

The side of the New India Assurance Co. Ltd, we made it clear that the company did the right thing for their client Assam Edun, and that it can still bring the case to the Financial Services Commission if is not satisfied. 

"I bought this vehicle from ABC Motors Leasing. I delays in the payment of my monthly payments. Besides, I had to borrow from my bank Rs 250,000 to fix my van. I expect my insurance to take the necessary assurance party. If my vehicle could be seized, "says Edun. 

He returned to the steps he made personally. "Six months after the accident, I noticed that my file had not changed one iota. I made an appointment with a director of Phoenix Insurance (Mauritius) Ltd. Although I received the communication is unfortunately not gone well since he speaks broken English. I understood that the position of Phoenix Insurance (Mauritius) Ltd was unchanged. Tired of waiting, I decided in May 2011 to bring the matter to the Motor Vehicle Insurance Arbitration Committee of the Ministry of Public Infrastructure, the NDU, Road Transport and maritime and I succeeded, "said Assam Edun. 

In fact, a document signed by MC Manacourt on behalf of the Secretary of the Motor Vehicle Insurance Arbitration Committee, dated June 15, was sent to the Manager, Claims Department The New India Assurance Co Ltd, with a copy to Phoenix (Mauritius ) Ltd.. 

Undoubtedly, Assam Edun will resume his pilgrim's staff and bring the matter to the Financial Services Commission. 

Ruling of the Arbitration Committee 

The 'ruling' of the Motor Vehicle Insurance Arbitration Committee can be summarized in one sentence: "The Committee Determined que les Phoenix Insurance (Mauritius) Ltd do the needful to settle the claim as follows: Pre Accident Market Value (Rs 875.000), LESS Present Value Accident: Rs 450.000 = Rs 425.000 & contract because (15 days at the rate of Rs 800 per day). TOTAL: 437.000 Rs. '