Motor Accident Zangna dawnna

MOTOR ACCIDENT-A ZANGNADAWMNA
- S.T.Ramhmachhuanmawia
Kan ram kawngte hi a that tawk loh avangin lirthei chetsualna a tam hle mai a. Mahse heng lirthei chetsualna lakah hian zangnadawmna engemawzat a dil ve theih a; chu chu tun tumah hian sawi kan tum dawn a ni.
Lirthei chetsualna laka zangnadawmna dil tur chuan insurance policy a pawimawh ber a. insurance awmzia chu hriatlawk loh thil thleng rup (unforeseen events) tawh palha zangnadawmna dawn theihna tura pawisa company ah emaw bank-ah emaw lo dah lawk tihna a ni ber ang chu. Insurance hi chi hrang hrang a awm a- heng life insurance, motor insurance, health insurance, fire insurance leh theft insurance leh a dang tam tak a la awm bawk. Mizoram-ah chuan motor insurance hi a lar ber a ni a, tun hnaiah Mizoram sorkar chuan Health Insurance Scheme thar a duang chhuak a, hei pawh hi chhawr tangkai theuh tum ila. Tun tuma kan sawi tum ber zawk erawh chu motor insurance hi a ni.
India rama litheite tlan dan tur leh an enkawlna dan bu The Motor vehicles Act chuan eng lirthei pawh insurance policy a neih loh chuan khawi hmunah pawh tlan a khap tlat a, man an nih chuan na taka hrem theih an ni. A chhan chu lirthei te hi khawl hmanga thunun an ni a, tawhsual leh chhiatna eng eng emaw tawk thut thei reng an ni, chutah chuan mihring nun hlu tak pawh chan theih reng a nih avangin chung thil tawn palh pawha a tuartuin zangnadawmna a phu tawk a hmuh theihna'n motor reng reng insure ngei ngei tur tih a ni. Mi tam takin insurance hi kan ngaihthah a, sum sen thlawnna maiah kan ngai a, hei hi thil dik lo a ni. Tin, mi tam tak insurance nei lo motor ah kan chuang a, chetsual kan tawh palhin zangnadawmna kan dil thei thin lo. Chuvang chuan motor neituin a tih tur hmasa ber chu a motor thar insure a ni.
Mizoramah insurance company tam tak an awm ve ta. Rin tlak tam tak an awm laiin zangnadawmna pe duh hauh lo rin tlak loh an awm bawk. Mipuite kan fin thiam a insurance company pawh kan thlan thiam a pawimawh hle. Motor thar kan leiin kan leina company ten an thlunzawmpui insurance company ah insurance min tih tir nghal tlangpui thin a, heng te hi uluk taka ngaihtuah a kan duhlona hmun a nih chuan hmun dang ah ka insure zawk mai ang e han tih te hi a finthlak hle. Tin, insurance kan tihin a man tlawm tlawm thlan kher loh tur. Insurance company te hian policy/premium/package hrang hrang an nei a, kan motor a zirin policy thlan tur ani; kan motor chu passenger phur, bungraw phur, private etc a ni a, tawhsual lo tawk palh ta se passenger/bungraw neitu etc ten zangnadawmna an tel thei ang em tih te ngunthluk taka ngaihtuahin policy thlan thin tur a ni.
Awle, motor chu insure a lo nih takah chuan accident pawh tawk palh se, insurance company hnen tangin zangnadawmna (compensation) a hmuh theih a. Mahse, insurance company te hi sumdawng an nih avangin compensation pek an hreh hle tih hriat tur a ni. Motor document zawng zawng a fel vek tur a ni a, a khalh tuin driving licence dik tak a nei tur a ni a, tin, a chetsual chhan kha motor khawl chian kuan loh vang emaw vanduai vang liau liau emaw vang te an ni tur a ni. Driver ruih vanga chetsualna te hi insurance policy te hian an huam lo tlangpui. Ti chuan, chetsual tawh chuan motor chhia siam thatna senso te kha company lamah dil leh theih a ni.
Mizoram ah hian lirthei chetsual avanga zangnadawmna dilna tur tribunal a awm a, chu chu Motor Accident Claims Tribunal (MACT) tih a ni a, Aizawlah a awm. Hetah hian accident avanga thi leh inhliam leh bungraw chhia ten zangnadawmna an dil thei a, mahse he Tribunal hi Civil Court anga a kal avangin Ukil rawih a ngai a ni. Accident tawh reng rengin a motor neitu chuan Insurance Company-ah direct in zangnadawmna a dil anga, inhliam, thi chhungte leh bungraw chhiate chuan MACT ah an dil thung ang. Inhliam chuan a ma hmingin a dil thei a, thihna anih erawh chuan a chhung ten Heirship Certificate lain an dil a ngai thung. MACT-a zangnadawmna dil tur chuan a hnuai ami te hi thil tel a ngai:-
1. Insurance Certificate
2. Medical certificate leh medical expenses/cash memo etc (inhliam tan)
3. Death Certificate leh Post Mortem report (thi tan)
4. Income Certificate
5. Police Report
6. MVI Report
7. Driving licence
8. Registration Certificate/Fitness Certificate
9. Birth Certificate
10. Passport Size Photo.
Heng bakah hian court fee stamp Rs 100/- man bel tel a ngai bawk a, a tul chuan a chunga kan sawi document te khi a dik ngei a ni tih sawi chiang turin lehkha pe chhuak tu theuh te thu zawt fiah turin Court in a ko thin bawk. Tichuan Court/Tribunal in zangnadawmna pekna tur chhan tha tawk awma a hriat chuan a diltu kum leh hnathawh te leh a inhliam dante uluk taka a zir hnuah Dan angin zangnadawmna a pe thin a ni.