Road Safety Week Vawi 30-na sawrkarin a hman avangin hmun hrang hrangah Traffic Police lamten ‘No Tolerance Week’ neiin lirthei document fel leh fel loh an check a, license nei loa lirthei khalh, lirtheia insurance tih loh etc te man an ni a. Facebook leh Whatsapp lamah ‘Insurance tih leh tih loh hi lirthei neitu duh leh duh loh a ni mai lawm ni’ tih zawhna te, ‘Vai company sumdawmna sawrkarin a pui’ ti ang zawnga sawina ka hmuh nual avangin lirthei insurance pawimawhna leh danin a phut angte i han zir chiang dawn teh ang.

Section 146, The Motor Vehicles Act, 1988: Lirthei zawng zawngten Third-Party Insurance an ti ngei tur a ni a, he insurance tih loh lirtheite chu hman leh tlanchhuah khap a ni. Sawrkar lirtheite chu hriatthiamna a awm thung. He danin a tum ber chu lirthei chetsualna avangin mi bungrua a tihchhiatsak theih a, miin hliam emaw, thihna hial emaw pawh an tawh phah thei a, hetiang hun a thlen palh hian lirthei accident avanga tuartuin insurance company hnen atangin zangnadawmna a dawng thei dawn a ni. Zangnadawmna hi a tam tham thin avangin lirthei neitu tan pek a remchang lo fo thin a. He dan hi lirthei accident avang tuartute tana siam a ni. Mizoram Police (CID) Crime Branch Record dan chuan kum 2017 chhung khan lirthei accident avangin mi 51-in nunna an chân a, mi 30-in hliam an tuar a. Lirthei accident hi thleng palh thei reng a nih avangin a tuartute zangnadawmna pek theih dan awlsam ‘Third Party Insurance’ hi lirthei neitu zawng zawngin tih ngei tur a ni tih hi danin a phut tlat a ni.

A hremna: Insurance tih loh lirthei khalh chu section 196 MV Act-in a sawi angin thla 3 Jail tan emaw Rs. 1,000 fine emaw Jail tan leh Rs. 1,000 fine kawptira hrem theih a ni. Vai Company tihhausakna tur dan ni lovin mipui mimir tan he dan hi a pawimawh hle a ni. Motor accident avanga thihna hial lo tawk tawh chhungten he dan hlutna hi an hrechiang berin a rinawm.

Third Party Insurance leh Comprehensive Insurance: Third Party insurance chu a chunga kan sawi, insurance tih ngei ngei a ngaihna chhan leh insurance ti lote hrem an nihna chhan chu a ni. Comprehensive Insurance chu lirthei tawhsual tawh avanga harsatna zawng zawng cover tura duan a ni a, Third Party insurance bakah First/Second Party Insurance pawh a huam tel nghal tihna a nih chu. Comprehensive Insurance hnuaiah chuan Third Party mawhphurhna bakah a lirtheiina tawhsual avanga chhiatna a tawh te, ruk bo, kang, leiminin a delh chhiat etc-ah te company hnen atangin lirthei hlutna emaw a chhe lai repairna emaw te a claim theih a ni. Hemi bakah hian Company lamin additional cover tiin assesories, medical expense, zero depreciation cover etc te pawh a tih tel theih bawk.

Insurance Claim: Kan lirtheiteah Insurance kan tih hian Insurance Company nen contract kan sign a ni tih hriain Insurance Policy leh Terms & Conditions te hi kan chhiar chiang tur a ni. Lirtheiin tawhsual a tawh palhin dan zawm ngai a awm ve fo a. Lirthei chetsualna chungchangah te, rukbo, kang, leiminin a delh etc chungchangah te hian Police Report te, Insurance Company a darkar 48-72 chhunga report te, lirthei khalhtu hming, veng leh phone no te, thil thleng tihchianna tura thlalak te, hliam a awm a nih chuan a rang lama medical aid lak te, leh thil dang tul pawimawhte hi Insurance claim-tuten kan neih ve a ngai thin. A chang chuan Insurance Company agent-ten kan lirthei chhiat dante pawh a hmunah kala rawn endik an duh thin bawk. Documents leh tul dangte a felfai phawt chuan Insurance Claim hi thil harsa lutuk chu a ni lo a, tunlaiah chuan kan lirthei company agent-te hian min buaipui nghal thei deuh vek tawh a ni.

Zangnadawmna: Third Party kan tih hian lirthei neitu tih loh mi dang zawng, accident tawk lirtheia chuang ve emaw, kawngsia kal emaw pawh a huam vek a. Lirthei accident avanga hliam leh thina tawk zawng zawngten anmahni emaw an aiawh emawten lirthei insurance tihna company-ah zangnadawmna dil tur a ni. Lirthei Accident avanga hliamte leh thihna hial tawkte zangnadawmna hi Motor Accident Claim Tribunal emaw Employee’s (a hma chuan Employee’s tih aiah hian Workmen’s tih thin a ni) Compensation Commissioner (court)-ah te dil tur a ni. Hengah hian document pawimawh thil ngai tam tak a awm thin a; tin, hliam nat dan azir leh hliam tuarina a that laia thla khata a sum lakluh a zir te, thihna tawkina a dam laia a sum lakluh azir leh a kum zat azir tein zangnadawmna hi a tamin a tlem thin a, dan hnuaiah uluk takin Court-in a ngaihtuah thin a ni. Heng zangnadawmna hi uluk leh fel taka ruahhman anih loh chuan hlawhchham palh pawh thil awm thei a ni a, chuvangin hetianga claim siam dawn chuan dan hremi (Advocate)rawih hi a tha ber a ni.
Lirthei reng reng Valid Driving License nei chauh khalh tir tur a ni a, Valid Driving License nei loina a khalh laia lirthei hian tawhsual a tawk a nih chuan Insurance Company-te zangnadawmna pek tur lak atangin an him a, zangnadawmna pek ngai an awm a nih chuan lirthei neitu mawhphurhna a ni ang. Tin, Valid Driving License nei lo emaw, kumtlinglo emaw lirthei khalh hi man an nih chuan thla 3 lung in tan emaw, Rs. 500 fine emaw, a pahnih jail tan leh pawisa chawia hrem khawp theih a ni. Lirthei neituten danina a phut third party insurance tal hi chu ti ila, kan lirthei chu valid driving license nei chauh i khalhtir ang u.