Wednesday, February 24, 2016

Chennai: How to claim accident damages from Oriental Car insurance (OICL)

My new year 2016 started with a  BANGGG . On 3rd January 2016, I was returning home from Elliot's Beach a.k.a Besant-nagar beach after a small family get-together. At the Thiruvanmiyur signal around 8:45 pm a MTC bus rear ended my Ford-Figo. Figo's back door was almost damaged and its glass shattered. Ooooopsss!!!
Luckily the traffic police there came to our rescue. He asked both the bus and our car to be parked at side. Then every passengers in be bus was asked to get down and pick other buses. Now I have called Ford-Service center to enquire how to proceed, so that I can claim from my Insurance. Though it is not Ford's job to help with my insurance, they have guided me. The Ford guy asked me to get a CSR copy from nearby police station. I have never been to police station for any reason before in my life. So I don't know the terminologies like CSR. I mentioned the same to the MTC-bus driver and he agreed to come to police station to help me with CSR. I followed the MTC-bus and we both reached the Besant Nagar Police station. The police asked me to write a letter to request a CSR copy. They said that CSR is a registration that I have requested for a FIR on the incident. Usually they are hesitant to file an FIR since it affects the station's reputation. But Police are happy to issue the CSR. For the CSR I needed to provide a copy of  RC-book/Driving-license/Insurance . So I got the CSR copy on the same day i.e. 3rd January night around 10:30 pm.
On 4th Jan, I called my insurance agent and informed the same. He asked me to drop an email on the incident. He also asked me to drop the vehicle at Ford-body-shop and submit the Estimation for the repair. On 6th January, I gave the car for repair at Ford-body shop and took the estimation from them. The Ford's estimation was 50,000 INR. I travelled to the Oriental insurance agent's office and submitted a claim-form and submitted supporting documents (CSR copy / RC-copy/License-copy/Insurance). The agent mentioned if I had photos taken at the time of incident , it will be more beneficial. But somehow the CSR copy had details of the MTC bus reg-no and the time of incident. So that CSR copy is my solid proof that the incident happened.
POINT-TAKEN:   In any accident, all the involved parties should first go to near by police station to report the incident and try to get FIR (if possible). Else you can get the CSR and that should be enough for the claim. I heard that CSR is for any claims less than 1 lakhs INR and FIR is needed for claims above 1 lakh INR or if any one got severe injuries or fatalities.
If the vehicle is not movable after the accident then you should call the neighboring police station and ask them to visit the spot. (In developed countries both police and the insurance agency will arrive at the stop. But in India I think the insurance agencies never show up on the spot).
Due to Chennai-floods, there were lot of cars in the Ford-body-shop and lot of claims going on with Oriental insurance too. So I knew everything will go in slow pace. In next 5 days (approx. 11 to 13th January) my Insurance-agent-arranged-"Surveyor" has visited my vehicle in the ford-body-shop and assessed the damage. Only after the "Surveyor" approves the damages and give a 'GO', the Ford-body-shop will start working on the vehicle. My "Surveyor" called me up after he visited and informed that he advised to change the entire back door. I asked how much money will I get from insurance. The "Surveyor" mentioned that he cannot say anything now and that I need to pay the full amount to Ford and then submit the final bill to him (surveyor). He will then submit the claim and process settlement.
My vehicle was delivered on 20th Jan and I got the final bills. The final bill amount was 46,391 INR. I paid the full amount. I enquired the surveyor about what documents needed. He asked me to bring a cancelled-cheque for the account to which they will deposit the claim amount and a revenue-stamp, along with the original bill. On 22nd January I met the "surveyor" and provided the bills and he wanted me to sign the final-settlement-agreement on top to the revenue-stamp. The document which I signed mentioned that I agree to accept the "untold" amount from OICL. But I did not questioned that. I just put the revenue-stamp and signed it.
After a week I called the surveyor to ask if he raised my claim and what amount they are refunding me. But he mostly did not picked the call. Lastly he picked the call once and said that he will be on 2 weeks leave and he will raise the claim once he returns back. So I called him after a week and he did not picked the call. I then called my Insurance-Agent and he said he will speak with the "surveyor". But nothing seems to have moved for 15 days after I submitted the document. So I emailed the grievance department that I have not got any Claim-ID yet from the surveyor and I cc-ed my Insurance agent too. After a week of mail communication to and fro with customer-care (grievances) my surveyor called me up (today 24th Feb) and mentioned that they have allotted 30800 INR (66% of total amount 46391 INR) and apologized for the delay. He mentioned that his assistant did not gave the compiled Claim to courier as he was sick. But I did not wanted all those stories. It is the surveyor's duty to co-ordinate everything. I think that without follow-up my claim would have lost (most likely). I guess that in next two weeks they should deposit the amount to my account. Lets see.
POINT TAKEN: You need to "follow up" with the claim to get it settled. Or else you might end up forgetting that you have raised one. Email the customer care and include your agent's email too. That brings more visibility.


Thursday, January 10, 2013

Why Bharathiyar was frustrated ? Now I can understand

Today I was so frustrated by the (vast majority of) people in current modern world being so dumb and not thinking at all. People always want to be entertained via movies/comedies/funny videos/funny-pics-in-faceook/etc and after all entertainment they does not want to spend their time on science/documentary/history/books/etc. So I was googling for why people are so lazy and dont care a shit about anything happening around. During my search in youtube I got to see Bharathiyar's song to my surprise. and that song is "Nalladhor Veenai seidhu.."

நல்லதோர்  வீணை செய்து ... அதை நலம் கெட புழுதியில் எறிவதுண்டோ !
சொல்லடி சிவசக்தி ..
என்னை சுடர் மிகும் அறிவுடம் படைத்துவிட்டாய் !

These are the lines that made a great impact on me today.
I understood the "actual meaning" of the song just today, and I can now understand why Bharathi felt frustrated with foolish myths in India at that time, which he tried to eradicate.

One of my friend (who thinks!) usually says this "I feel like a person who was cured of his mental-illness but still living with mentally ill people in a mental-hospital". So true words!

Thursday, November 22, 2012

கனவு ( ஒரு கவிதை )

ஆள்வோருக்கும்    வாழ்வோருக்கும்  இலவசமாய்க்  கிடைத்திடும் 
துயில் தந்த கனவே ! நீ ஒரு சமதுவச்சின்னம்.

எளியோரும் தனவானாய் சில நொடியில் மாறிடுவான்.
புகழோனும் மனநிறைவாய் கடற்கரையினிலே நடந்திடுவான்.
சட்டமில்லை கேள்வியில்லை நினைத்ததெல்லாம் நடந்திடுமே.
பயங்கொள்ளும் கனவாக இருப்பினும் கண் விழித்ததும்
மனம் நிறைந்து கவலைகள் பஞ்சாகப் பறந்திடுமே.
கனவே ! நீ ஒரு மனநிவாரணி.

Thursday, December 08, 2011

House Hunt Project In Chennai (during aug-sep 2011)

Now I am in a new phase of life. Took decision to rent a house for myself. Moving away from bachelor life (though not getting married now). The main reasons for this decision is to bring in more privacy and so my parents and relaitives can visit me in my home; stay for couple of days and enjoy.Other reasons are 'to move away from highly polluted perungudi (rajiv nagar)'


Ok.. I started like this... Asked my friends in office about where to rent a descent house for 6000 to 8000 with car-parking. Everyone suggested areas like Velachery/ Madipakkam/ Pallikaranai/ Kovilambakkam /Pallavaram/ Chrompet/ Medavakkam/ Selayur/ Santhosapuram/ Rajakilpakkam/ Tambaram/.Then I took my bike and roamed in all of the above mentioned areas (i.e. into important streets and upto the last of the area atleast in one direction).I personally felt that all these areas are acually waterbodies (a big marshland) and 90% of the areas are subjected to water-logging issues.Other than waterlogging these areas are full of dust/garbage/crowded. So I decided these areas will not work-out for me.


I always know that Adyar/Besant Nagar/Thiruvanmiyur(except few areas) are really good residential places.These areas has lots of trees in their wide roads. Less pollution and importantly nearer to beach. But again the rent amount in these areas exceeded my expectations. The rent goes like 12000 (with car park) for very small apt (600 sqft) .. and the rent soars upto 60000 per month :(So I dropped these areas too.


Then I felt that Perungalathur/Vandalur/Guduvanchery are bit elevated areas than Tambaram. So there wont be water-logging issues.Also rent is very cheap 5000 - 9000 for good 2bhk flat. Accesibility is also good to GST-road (Grand Southern Trunk road). All these factors turned my eyes. I visited one house in Perungalathur in interior area. This area looks like very isolated. Also I felt that Perungalathursuffers from floating-population, which waits for Omni buses. The railway line crossing, which lead us from GST to Perungalthur residential area, is also a bottleneck. So Perungalthur is dropped.


Then Vandalur has no houses :(.. finally it boils down to Guduvanchery. I visited Guduvanchery and felt very much like my hometown (theni). There is a small hillock nearby and it is very less polluted. There are new descent flats coming up all over and seems to be having some life on streets.I infact visited two flats and was about to finalize one. By then one of my roommate said he knows of some horror-cold-blooded-murder that happened in Guduvanchery. That story shoooked me off.. and I dropped Guduvanchery also due to security/safety reasons..


Now, I really dont know what should I do. Anna Nagar/T Nagar/Nungambakkam/blah blah.. all are distant aswell as very very costly for my budget.Even if I stretch upto 12000 INR rent amount I could not get in these posh areas.


Now totally blacked-out. This really sucks !!!!


Many of my friends said you need to give high amt or compromise. My mom said that I should not have got my car (ford figo) now.Because carparking makes the flats costly for rent. Also my EMI (10000 bucks) drains my salary. So my mom felt so.Ok Correct.. I accept car makes some kind of issues here. But I really enjoyed the Chennai to Theni trips in my car. So I cannot blame my car here.

Friday, December 02, 2011

Blog about Blog

Blog.. Blog.. Blog.. In the recent two days I have had some discussions about my blog with my friends, who read it. Today .. right now.. I was too bored and thought of checking my blog dashboard. To my surprise I saw in one of my blog post I could see lots of comments, but they were blocked as SPAM. Then I published the genuine ones (which were marked as SPAM).. Hmm.. I was so happy to see that people have given good comments about my blog post (indeed that was one of my purest horrible experience in my life) (refer this url http://arunkp.blogspot.com/2010/03/acidity-palpitation.html?showComment=1322851275663#c1388677134970628447 ).

I felt I am worthless and my life sucks few hours back.. But after seeing those response from unknown faces... I was really moved and felt that I was worth helping someone.. I helped someone who was suffering.. I felt an unknown happiness.. that happiness pushed me to write this blog :)

When I created the blog initially in 2006.. I never knew how good it will feel to read my blogs from 2011.. Each blog post shows your mindset at each year.. I have had some opinions in 2006.. Now it is totally different.. I can see the changes by reading my blogs in chronological order..

I wish everyone write their experience and share for others. I personally do not like social network websites (facebook) because those are fake fake fake faces of people who just want to show off themselves to others... I have read so many blogs with great emotions within it.. Some gives me courage.. some gives me information.. some gives information about tourist places.. There is not much show-off flaunting in blogs.. Blog reading really gives a nice feeling.. and I believe it can be a considered as the measure of true personality... You know.. I have searched some blog profile of girls who has written very nice sensible posts.. I would wish to get such a girl in life.. But till now have not found any :(


Wednesday, August 24, 2011

The courage to live alone

Living alone... Sounds easy?? definitely not.
I ve been trying to rent a flat in chennai so that my mom/dad/bro can come and stay there without a second thought. But still now I have not made a strong decision to rent a flat for myself. The reasons are as follows


  1. Dad is still running a shop in hometown (theni). Mom can come and stay for few weeks but definitely need to go to back to theni. So it is not feasible for mom to travel 500kms every month to and fro. It is a health risk.

  2. Current bachelor life costs me only 10000 INR a month and I can save big money. But if I stay alone I will need 25000 INR

  3. When mom or dad or bro is not staying with me in chennai then I will be alone. Loneliness is a big problem.

Inspite of all the above problems something still prompts me to look for a new house. What are those reasons.. see below



  1. Roommates do not keep the house neat. Especially I need the house to be in neat order when I come home from office or even after a weekend home-town visit.

  2. Sharing the amount spent and answering for the calculations done is irritating. No one do the spending or calcualtion. I need to do all these nonsense.

  3. Watching any tv-program or online-movies (including porn movies) is kind of not so personal. You need to adjust to situations.

  4. If mom/dad/relatives want to visit you in chennai, then it is not comfortable for them to stay in bachelor's house. My mom/dad have never visited my house after I joined in TCS. This really sucks. You earn so much but you cannot bring your mom/dad and spend sometime with them.

Now at this very moment I am in a dilemma what to do.. that is why writing this piece of thought..

Monday, June 20, 2011

How good is Indian Research ???

Yesterday, I was walking in the street and noticed huge swarms of mosquitoes surrounding us. It bites even when I am walking. I was totally irritated by the mosquitoes. Meanwhile I remembered that the sparrows in most parts of India were affected by cell-phone transmission towers and hence the sparrows now live only in forests. Suddenly my cognitive brain thinks "Why not we find some radio waves or some sort of waves to destroy the mosquitoes???". "Why we dont have such a machine to destroy mosquitoes???"


Not only this 'mosquito prevention'.. Indians have not made any significant contribution to mankind in past few centuries. Indians are always in recieving end. We use I-pod. We use Samsung-TVs. We use bose-speakers. We use paper-plates. We use tissue-paper. We like to travel to USA or UK or Europe. We use computers (windows). we use .. we use.. and we use... Don't we have anything to give??? Ofcourse we have coconut and spices and our-IT-brains.

But the question is who is the better side. Apple-computers or Indian-coconut-farmers??? Windows or TCS ?? That makes the difference...


We are not finding out anything useful. But we always implement 'GERMAN' technology Metro-rails. 'JAPAN' technology machines. 'RUSSIAN' missiles... and so on..

Total Non-Sense...!!!!

Understanding constants and variables in day-to-day life

I recently was conversing with my friend who complains about Chennai's weather and other issues in Chennai. Also I have seen so many people complaining about the foreign places where they happened to work/study/etc. Even worse is in sun-tv news channel I saw an tourist complaining about the mist in ooty (or kodaikanal) which makes the sightseeing impossible on that day.

From all this, I can see that people dont understand the 'Constants and Variables' in life.

Mist is a natural thing. It does not go away since there are lot of tourists.
Chennai is always hot and humid. And again, it does not become cold or less humid. It is nature. And it is always 'CONSTANT'
(Individually)Human beings are 'VARIABLES'.. we can choose to visit the hill station again.. We can choose a company in banglore to escape hot and humid conditions. We can even switch over from IT/Core companies to manage the agricultural land in home town.

But instead of making such decisions, people complain about the environment. It is total non-sense.

Similarly coming to Indian's mentality,



  1. Indians complain about other people for not following traffic-rules.. but they themselves violate traffic rules.

  2. Indians complain about politicians swindling tax money.. But they themselves evade taxes.

  3. Indians complain about govt-employees for bribing.. But they themselves make the bribe-amount ready for doing any govt-office related works.

So.. totally a non-sense mentality.. This really sucks !!!