{Surveyors:4499} Clarification regarding DL
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santosh - rajanna
Apr 23, 2010, 6:01:43 AM4/23/10
to insurance...@googlegroups.com, insurance-su...@googlegroups.com, Insurance...@googlegroups.com
Dear friends,
The driver has got FDL on 12-05-2004 for LMV (NT) and the said DL was valid up to 11-05-2024. On 11-12-2006 his DL was endorsed with LMV (Cab) with a badge to drive transport vehicle and the issuing authority while issue the badge has round off the validity date and mention the expiry date as 10-12-2009 i.e. 3 yrs from the date of issue. Now the said DL holder involved in an accident while driving a LMV (NT)but the DL expires on 10-12-2009. Is the claim payable or not.
Santosh. R
Insurance Surveyor,
Tumkur
Karnataka - 572102
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The driver has got FDL on 12-05-2004 for LMV (NT) and the said DL was valid up to 11-05-2024. On 11-12-2006 his DL was endorsed with LMV (Cab) with a badge to drive transport vehicle and the issuing authority while issue the badge has round off the validity date and mention the expiry date as 10-12-2009 i.e. 3 yrs from the date of issue. Now the said DL holder involved in an accident while driving a LMV (NT)but the DL expires on 10-12-2009. Is the claim payable or not.
Santosh. R
Insurance Surveyor,
Tumkur
Karnataka - 572102
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qpmalik
Apr 23, 2010, 10:40:55 AM4/23/10
to Insurance surveyors
Dear brother,
Many people are carefree or say careless about renewing licenses or
paying the utility bills and here in Pakistan the surveyors as well as
the Insurers take lenient view of such voilations as far as the
insurance claims are concerned. For example the driver is asked to
submit copy of token tax of driving license after renewal and the
claim is entertained without going in to any detail however if the
driving license is suspended or cancelled due to voilation of traffic
laws then the insured is called for question for not holding a valid
driving license at the time of accident which is condition precedent
to liability. In your case the license was expired in 2009 and the
claim is occurred in 2010 so the matter is not so ordinary and the
Insurers may take it in the same category as if the insured was not
having valid driving license at the time of accident. You better take
the advice from Insurers concerned.
Thanks
Qayyum Malik
On Apr 23, 3:01 pm, "santosh - rajanna" <santoshr...@rediffmail.com>
wrote:
Many people are carefree or say careless about renewing licenses or
paying the utility bills and here in Pakistan the surveyors as well as
the Insurers take lenient view of such voilations as far as the
insurance claims are concerned. For example the driver is asked to
submit copy of token tax of driving license after renewal and the
claim is entertained without going in to any detail however if the
driving license is suspended or cancelled due to voilation of traffic
laws then the insured is called for question for not holding a valid
driving license at the time of accident which is condition precedent
to liability. In your case the license was expired in 2009 and the
claim is occurred in 2010 so the matter is not so ordinary and the
Insurers may take it in the same category as if the insured was not
having valid driving license at the time of accident. You better take
the advice from Insurers concerned.
Thanks
Qayyum Malik
On Apr 23, 3:01 pm, "santosh - rajanna" <santoshr...@rediffmail.com>
wrote:
> Dear friends,
>
> The driver has got FDL on 12-05-2004 for LMV (NT) and the said DL was valid up to 11-05-2024. On 11-12-2006 his DL was endorsed with LMV (Cab) with a badge to drive transport vehicle and the issuing authority while issue the badge has round off the validity date and mention the expiry date as 10-12-2009 i.e. 3 yrs from the date of issue. Now the said DL holder involved in an accident while driving a LMV (NT)but the DL expires on 10-12-2009. Is the claim payable or not.
>
> Santosh. R
> Insurance Surveyor,
> Tumkur
> Karnataka - 572102
>
>
> The driver has got FDL on 12-05-2004 for LMV (NT) and the said DL was valid up to 11-05-2024. On 11-12-2006 his DL was endorsed with LMV (Cab) with a badge to drive transport vehicle and the issuing authority while issue the badge has round off the validity date and mention the expiry date as 10-12-2009 i.e. 3 yrs from the date of issue. Now the said DL holder involved in an accident while driving a LMV (NT)but the DL expires on 10-12-2009. Is the claim payable or not.
>
> Santosh. R
> Insurance Surveyor,
> Tumkur
> Karnataka - 572102
>
shail...@indiatimes.com
Apr 23, 2010, 11:57:00 AM4/23/10
to insurance surveyors
Dear Santosh R.
The validity of the D.L. is reduced by the RTO due to endorsement for transport vehcile. So automotacally the validity for LMV (NT) also reduced. At the time of incident, the driver does not hold an effective D.L. to drive such vehicle. So the claim is not payable.
Shailendra Patni
Harda (MP)
Mob.- 096178 57100
094250 44180
The validity of the D.L. is reduced by the RTO due to endorsement for transport vehcile. So automotacally the validity for LMV (NT) also reduced. At the time of incident, the driver does not hold an effective D.L. to drive such vehicle. So the claim is not payable.
Shailendra Patni
Harda (MP)
Mob.- 096178 57100
094250 44180
Surinder Mohan Verma
Apr 23, 2010, 10:01:46 PM4/23/10
to SURVEYORS INSURANCE
Dear Sir,
With your due apology, in my opinion, the states are issuing driving licence with validity of their own practice. Normally, the validity of driving licence for private use and commercial/public use are different. In case the driving licence is endoresed for commercial vehicle and the date of validity is encircled, this does not confirm that the validity of driving licence for private use has been reduced. Normally the driving licence for private use is issued for 20 years/30 years or upto the age of 40 years. So, in my opinion the claim is certainly maintainable.
Surrinder Mohan Verma
Abohar
094170 79248
Date: Fri, 23 Apr 2010 21:27:00 +0530
From: shail...@indiatimes.com
To: insurance...@googlegroups.com
Subject: Re: {Surveyors:4512} Clarification regarding DL
With your due apology, in my opinion, the states are issuing driving licence with validity of their own practice. Normally, the validity of driving licence for private use and commercial/public use are different. In case the driving licence is endoresed for commercial vehicle and the date of validity is encircled, this does not confirm that the validity of driving licence for private use has been reduced. Normally the driving licence for private use is issued for 20 years/30 years or upto the age of 40 years. So, in my opinion the claim is certainly maintainable.
Surrinder Mohan Verma
Abohar
094170 79248
Date: Fri, 23 Apr 2010 21:27:00 +0530
From: shail...@indiatimes.com
To: insurance...@googlegroups.com
Subject: Re: {Surveyors:4512} Clarification regarding DL
sanjay dwivedi
Apr 24, 2010, 12:08:08 AM4/24/10
to insurance...@googlegroups.com
Dear Friends,
The one line answer,
Is the DL was effective on the date of loss as per RTO or Not.
Regards
sanjay Dwivedi
Meerut
Thanks & regards
SANJAY
sanjay dwivedi
Apr 24, 2010, 12:09:14 AM4/24/10
to insurance...@googlegroups.com
Friends Yes Correct
--
Thanks & regards
SANJAY
Thanks & regards
SANJAY
suresh parik
Apr 23, 2010, 2:21:24 PM4/23/10
to insurance...@googlegroups.com
dear santosh ,
the validity period expired was only for TV , as per your question the vehicle was LMV ( NT ) , and validity is in force till date hence no doubt DL is valid for LMV ( NTV ) thus claim is payable.
s.parik.
Date: Fri, 23 Apr 2010 10:01:43 +0000
To: insurance...@googlegroups.com; insurance-su...@googlegroups.com
the validity period expired was only for TV , as per your question the vehicle was LMV ( NT ) , and validity is in force till date hence no doubt DL is valid for LMV ( NTV ) thus claim is payable.
s.parik.
Date: Fri, 23 Apr 2010 10:01:43 +0000
To: insurance...@googlegroups.com; insurance-su...@googlegroups.com
Subject: {Surveyors:4499} Clarification regarding DL
The latest auto launches and test drives Drag n' drop
santosh - rajanna
Apr 23, 2010, 8:40:22 PM4/23/10
to insurance...@googlegroups.com
Dear Shailendra,
Thank you
Yours always,
Santosh. R
On Fri, 23 Apr 2010 21:23:01 +0530 wrote
>Dear Santosh R.
The validity of the D.L. is reduced by the RTO due to endorsement for transport vehcile. So automotacally the validity for LMV (NT) also reduced. At the time of incident, thedriver does not hold an effective D.L. to drive such vehicle. So the claim is not payable.
Shailendra Patni
Harda (MP)
Mob.- 096178 57100
094250 44180
----- Original Message -----
From: santosh - rajanna
To: insurance surveyors , insurance-su...@googlegroups.com
Cc: Insurance...@googlegroups.com
Sent: Fri, 23 Apr 2010 15:31:43 +0530 (IST)
Subject: {Surveyors:4499} Clarification regarding DL
Dear friends,
The driver has got FDL on 12-05-2004 for LMV (NT) and the said DL was valid up to 11-05-2024. On 11-12-2006 his DL was endorsed with LMV (Cab) with a badge to drive transport vehicle and the issuing authority while issue the badge has round off the validity date and mention the expiry date as 10-12-2009 i.e. 3 yrs from the date of issue. Now the said DL holder involved in an accident while driving a LMV (NT)but the DL expires on 10-12-2009. Is the claim payable or not.
Santosh. R
Insurance Surveyor,
Tumkur
Karnataka - 572102
Thank you
Yours always,
Santosh. R
On Fri, 23 Apr 2010 21:23:01 +0530 wrote
>Dear Santosh R.
The validity of the D.L. is reduced by the RTO due to endorsement for transport vehcile. So automotacally the validity for LMV (NT) also reduced. At the time of incident, thedriver does not hold an effective D.L. to drive such vehicle. So the claim is not payable.
Shailendra Patni
Harda (MP)
Mob.- 096178 57100
094250 44180
----- Original Message -----
From: santosh - rajanna
To: insurance surveyors , insurance-su...@googlegroups.com
Cc: Insurance...@googlegroups.com
Sent: Fri, 23 Apr 2010 15:31:43 +0530 (IST)
Subject: {Surveyors:4499} Clarification regarding DL
Dear friends,
The driver has got FDL on 12-05-2004 for LMV (NT) and the said DL was valid up to 11-05-2024. On 11-12-2006 his DL was endorsed with LMV (Cab) with a badge to drive transport vehicle and the issuing authority while issue the badge has round off the validity date and mention the expiry date as 10-12-2009 i.e. 3 yrs from the date of issue. Now the said DL holder involved in an accident while driving a LMV (NT)but the DL expires on 10-12-2009. Is the claim payable or not.
Santosh. R
Insurance Surveyor,
Tumkur
Karnataka - 572102
Ulhas Desai
Apr 24, 2010, 1:11:54 AM4/24/10
to insurance...@googlegroups.com
Pl.confirm from RTO ; Now a days you get a Smart Card license & it indicates diffrent Validity dates LMV ( NT) & Transport ( HMV); Claim is paid by Insurer after case filed in Consumer forum by Insured ( on Validity of NT )
Regards
U B DESAI
Regards
U B DESAI
Upinder Sachdeva
Apr 24, 2010, 1:14:39 PM4/24/10
to insurance...@googlegroups.com
In some states the licence has been issued for different expiry dates . i.e, for N.T. will separate & for Tpt. Separate on the same Licence. Hence if there is round on the date It shows that for tpt. it is separate. Go through positive response. Here in India what majority says becomes Law.
U.P.S.Sachdeva.
Surinder Mohan Verma
Apr 24, 2010, 8:29:23 PM4/24/10
to SURVEYORS INSURANCE
Dear Sir,
The D/Licence is very much effective at the time of loss.
Surrinder mohan Verma
Abohar
94170 79248
Date: Sat, 24 Apr 2010 09:38:08 +0530
Subject: Re: {Surveyors:4517} Clarification regarding DL
From: dwivedi...@gmail.com
To: insurance...@googlegroups.com
The D/Licence is very much effective at the time of loss.
Surrinder mohan Verma
Abohar
94170 79248
Date: Sat, 24 Apr 2010 09:38:08 +0530
Subject: Re: {Surveyors:4517} Clarification regarding DL
From: dwivedi...@gmail.com
To: insurance...@googlegroups.com
chandra dasaraju
Apr 24, 2010, 10:40:18 PM4/24/10
to Insurance surveyors
Dear All,
The endorsement was for transport vehicle and the stipulation of
validity is applicable only for that transport category of DL. Since
the NT validity was available till 2024, there should not be any
change in respect of that category. Some over enthusiastic Clerk of
RTO, might have rounded the validity period, which should not be the
case. It is the practice to mention different validity periods, if
different category (Tr, NT) of eligibility to drive is mentioned in
the DL. The DL needs to be got corrected from the RTO, mentioning
both the validity dates.
Thanks & Regards,
dcs raju, hyderabad.
+91-99490-95995.
On Apr 25, 5:29 am, Surinder Mohan Verma <verma_abo...@hotmail.com>
wrote:
The endorsement was for transport vehicle and the stipulation of
validity is applicable only for that transport category of DL. Since
the NT validity was available till 2024, there should not be any
change in respect of that category. Some over enthusiastic Clerk of
RTO, might have rounded the validity period, which should not be the
case. It is the practice to mention different validity periods, if
different category (Tr, NT) of eligibility to drive is mentioned in
the DL. The DL needs to be got corrected from the RTO, mentioning
both the validity dates.
Thanks & Regards,
dcs raju, hyderabad.
+91-99490-95995.
On Apr 25, 5:29 am, Surinder Mohan Verma <verma_abo...@hotmail.com>
wrote:
qpmalik
Apr 25, 2010, 6:44:33 AM4/25/10
to Insurance surveyors
Dear brothers,
It is news to me that different dates of expiry for different classess
of vehicle and it is different here in pakistan however, there is
difference of opinion after receiving this message from Mr. Patni when
he mentioned "The validity of the D.L. is reduced by the RTO due to
Thanks
Qayyum Malik
It is news to me that different dates of expiry for different classess
of vehicle and it is different here in pakistan however, there is
difference of opinion after receiving this message from Mr. Patni when
he mentioned "The validity of the D.L. is reduced by the RTO due to
endorsement for transport vehcile. So automotacally the validity for
LMV (NT) also reduced. At the time of incident, the driver does not
hold an effective D.L. to drive such vehicle. So the claim is not
payable" so please let us have the comments of friends in this regard.
LMV (NT) also reduced. At the time of incident, the driver does not
hold an effective D.L. to drive such vehicle. So the claim is not
Thanks
Qayyum Malik
Vijoy Kumar
Apr 24, 2010, 1:33:59 AM4/24/10
to insurance...@googlegroups.com
Dear sir,
If driver was a paid driver(Empl.) than the claim was not payable. Not matter that the DL(NT) is in force.
From: suresh parik <sures...@hotmail.com>
To: insurance...@googlegroups.com
Sent: Fri, April 23, 2010 11:51:24 PM
Subject: RE: {Surveyors:4518} Clarification regarding DL
suresh parik
Apr 24, 2010, 2:14:36 PM4/24/10
to insurance...@googlegroups.com
dear shailendra ,
validity for LMV not expired in this case , how one can relate validity of TV with NTV , TV validity is only for three years , where as this DL was already issued for upto 11.05.2024 , in smart card DL U see moreover it is writeen clearly :: VALID FOR TV ...... AND VALID FOR NTV , I would like to say once again claim is payable.
s.parik.
Date: Sat, 24 Apr 2010 00:40:22 +0000
To: insurance...@googlegroups.com
Subject: Re: Re: {Surveyors:4518} Clarification regarding DL
From: santo...@rediffmail.com
validity for LMV not expired in this case , how one can relate validity of TV with NTV , TV validity is only for three years , where as this DL was already issued for upto 11.05.2024 , in smart card DL U see moreover it is writeen clearly :: VALID FOR TV ...... AND VALID FOR NTV , I would like to say once again claim is payable.
s.parik.
Date: Sat, 24 Apr 2010 00:40:22 +0000
To: insurance...@googlegroups.com
Subject: Re: Re: {Surveyors:4518} Clarification regarding DL
From: santo...@rediffmail.com
The latest auto launches and test drives Drag n' drop
Surinder Mohan Verma
Apr 25, 2010, 8:35:19 PM4/25/10
to SURVEYORS INSURANCE
Dear Malik,
The concept is clear that D/Licence has diffrerent validity period for private vehicle and public/commercial vehicle. The reduced dated is due to typical/clerical mistake which may be amended before issuance of the survey report or settlement of claim.
Surinder Mohan Vderma
Abohar
094170 79248.
> Date: Sun, 25 Apr 2010 03:44:33 -0700
> Subject: Re: {Surveyors:4531} Clarification regarding DL
> From: jqm...@gmail.com
> To: insurance...@googlegroups.com
The concept is clear that D/Licence has diffrerent validity period for private vehicle and public/commercial vehicle. The reduced dated is due to typical/clerical mistake which may be amended before issuance of the survey report or settlement of claim.
Surinder Mohan Vderma
Abohar
094170 79248.
> Date: Sun, 25 Apr 2010 03:44:33 -0700
> Subject: Re: {Surveyors:4531} Clarification regarding DL
> From: jqm...@gmail.com
> To: insurance...@googlegroups.com
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