A. Role and responsibilities of General Insurance Surveyor
1. Assessing the loss after proper investigation
2. Redressal of conflict of interest
3. Maintaining confidentiality and neutrality
4. Thoroughness in data provided as Spot Survey, estimate etc.
5. Providing damaged prevention advice to insurer/insured or his/her representative
6. Pointing out discrepancy or ambiguities in the verbiage of the policy.
7. We may recommend “ON ACCOUNT PAYMENT” upto 75% whichever admission of liability to provide immediate financial relief to the insured.
B. Role of Surveyor in mitigation of Road Accident:-
i) Analysis of cause of loss.
ii) Determining possibility of failure of brakes or any other parts.
iii) Determining possible defective construction of road curve causing deviation in centre of gravity. If at any point of accident gradient of the road is not proper then it should be remarked, if possible.
iv) If accidents are caused due to illegal cut on four-lane by the locals you may mention it in the report with location.
v) Statutory indication like School, Hospital etc. Market, curve etc not found which caused accident, you may mention.
vi) Statutory indication were there but are not maintained that should be observed and noted in the report.
vii) If there are regular animal movement then advice to install side grill, if accident caused because of the same, insurance company also should take up with authorities.
viii) There are large numbers of accidents due to trees on the road. Road construction companies are not cutting trees due to several court directive but they are causing reasons for accidents. Surveyors may advice to cut such trees.If the accidents/damage caused due to old trees which has passed its life and was not removed or cut out by road authorities, surveyor must put remark. Due to over aged tree several accidents are taking place.
ix) If vehicle was not having full set of vision light and indicators such as front light, fog light and brake and side indicator, the surveyor must quote remark in the report.
x) If any particular location has become accident prone then we must write in report and insist insurance company to raise the issue in monthly meeting of the road safety committee in every district headed by Dy. Commissioner, D.M. and represented by M.P, and M.L.A. apart of other.
xi) The Govt. should include surveyors by rotation in every district in Road Safety Committee.
xii) Safety Belts and other device were used or not at the time of accident, should also noted by the surveyor, if possible.
In any particulars types of passenger vehicle as well as commercial vehicle. If it is having deficiencies of any safety device then proper suggestion also come from surveyor to reduce the speed limit or otherwise.
xiii) If the driver appear over aged or not medically fit or having vision problem then surveyor also must put it in black and white about the same in the report.
xiv) Pre accident condition, if it was responsible for accident time has came to put in details in the report. This is necessary because D.T.O are issuing certificate of registration, extension of certificate of registration after 15 years without physical verification of the vehicle. The poor pre-accidental vehicle is causing 15% accident on the roads. It is also important because M.V.I is responsible to inspect the vehicle on road on regular basis and check to take out all dangerous vehicle playing on the road, but they are not performing their duties and accidents are increasing on cost of insurance premium.
Conclusion:-
Our drive is to minimize Risk vis-to-vis Insurance Premium.
