Truck Aur Commercial Vehicle Claims
Bihar aur Purnea me transport business bahut bada hai. Jab kisi truck ya pickup ka accident hota hai, toh lakho ka nuksan (loss) hota hai. Lekin kai baar claim reject (radd) ho jata hai. Aaiye jante hain kyun.
Claim Reject Hone Ke 3 Mukhya Kaaran (Reasons):
- Overloading: Agar truck me limit se zyada maal (goods) lada hua hai aur accident hota hai, toh claim reject ho jayega.
- Fitness aur Permit Canceled: Commercial gaadiyon ke liye Fitness Certificate aur Route Permit sabse zaroori document (kaagzaat) hain. Inke expire hone par claim nahi milta.
- Drunk Driving: Agar driver nashe (alcohol) me tha aur accident hota hai, toh insurance company ek paisa nahi degi.
Myths and Facts (Bhram aur Sach):
- *Myth:* Kisi bhi driver ko gaadi de sakte hain.
- *Fact:* Driver ke paas gaadi ke hisaab se valid aur heavy driving license (DL) hona chahiye. Commercial DL ke bina claim reject hota hai.
Surveyor Se Baat-Cheet
Commercial claims me surveyor bahut deeply investigate (jaanch) karte hain. Yahan ek aam aadmi confuse ho sakta hai. Agar aapne online policy li hai, toh aap akele pad jayenge. Ek Personal Digital Expert aapke aur surveyor ke beech khada hota hai aur aapke haq (rights) ke liye baat karta hai.
Lucky Jaiswal
Founder & Insurance Expert at Jaiswal Insurance Samadhan. Humara maksad hai Bihar ke logo ko insurance ke mushkil niyam asaan bhasha mein samjhana aur claims mein unki poori madad karna. "Suraksha Aapki, Zimmedari Hamari".
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