Hit and Run Accident Insurance Claim in India: Gaadi Thok Kar Bhagne Par Complaint, FIR aur Claim Ka Legal Process
This article is published by The Legal Warning India and written by Advocate Uday Singh.
Information is based on news reports, statutory provisions, and publicly available sources.
Gaadi Thok Kar Bhag Gaya – Ab Kya Kare? (Common Public Problem)
India mein bahut cases aise hote hain jahan car, bike ya truck accident karke driver bhag jata hai. Victim ko na vehicle number milta hai, na driver ka detail. Is situation mein log Google par yeh search karte hain:
- Hit and run accident insurance claim kaise milega?
- Unknown vehicle se accident hua ho to FIR zaroori hai?
- Gaadi bhag jaye to insurance ka paisa milega ya nahi?
Is article mein hum law + practical steps dono simple language mein samjha rahe hain.
Hit and Run Accident Kya Hota Hai? (Legal Meaning)
Jab koi unknown vehicle (car, bike, truck, tempo, bus) accident karke bina rukhe bhaag jata hai aur uska identification possible nahi hota, to use Hit and Run Motor Accident kaha jata hai.
Is tarah ke cases ke liye India mein alag legal mechanism aur insurance compensation system hai.
Hit and Run Accident Mein FIR Zaroori Hai Kya?
Haan. FIR sabse important step hai.
FIR Kyun Zaroori Hai?
- Insurance claim ke liye basic document
- Government compensation ke liye mandatory
- Future legal proof ke liye
Tip: FIR mein clearly likhwayen ki vehicle unknown hai aur accident ke baad bhaag gaya.
Hit and Run Accident Mein Insurance Claim Milta Hai Ya Nahi?
1️⃣ Apni Vehicle Insurance (Own Damage)
Agar aapke paas Comprehensive Motor Insurance hai:
- Own damage claim file kiya ja sakta hai
- FIR + site photographs + repair estimate lagta hai
- Insurance company survey karwati hai
Note: Sirf third party insurance mein aapki gaadi ka damage cover nahi hota.
2️⃣ Government Hit and Run Compensation Scheme
Motor Vehicles Act ke tahat, hit and run cases mein government compensation bhi milta hai:
- Death case: Fixed compensation
- Grievous injury: Fixed compensation
Application District Magistrate / Claims Authority ke paas di jati hai.
Insurance Company Claim Reject Kar De To Kya Kare?
Bahut baar insurance company yeh keh kar claim reject kar deti hai:
- Delay in FIR
- Insufficient proof
- Policy condition violation
Legal Remedies:
- Insurance company ko legal notice
- IRDAI complaint
- Consumer Court case (compensation + interest)
Har rejection final nahi hota – legally challenge kiya ja sakta hai.
Accident Ke Baad Turant Kya Kare? (Step-by-Step)
- Police ko turant inform karein
- Nearby CCTV ka location note karein
- Photos / videos lein
- Medical report secure karein
- Insurance company ko written intimation dein
Frequently Asked Questions (FAQs)
Q1. Unknown vehicle ho to bhi insurance claim milega?
Haan, agar comprehensive policy hai aur FIR registered hai.
Q2. FIR delay ho gayi to claim reject ho jayega?
Delay explain ki ja sakti hai. Har delay automatic rejection nahi hota.
Q3. Bike hit and run case mein bhi scheme applicable hai?
Haan, car, bike, truck sab ke cases cover hote hain.
Q4. Insurance company baar-baar document maang rahi hai?
Unnecessary delay consumer law ke against hai. Legal action possible hai.
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Conclusion: Ghabraye Nahi, Law Aapke Saath Hai
Hit and run accident ke cases confusing lagte hain, lekin sahi legal steps follow karne se insurance claim aur compensation dono possible hai. Galat guidance ya delay se claim kharab ho sakta hai, isliye timely legal advice zaroori hai.
Disclaimer: This article is for general legal information and awareness purposes only. It does not constitute legal advice or solicitation. Communication is purely informational, in compliance with Bar Council of India Rule 36.
