I have prepared an article on the total loss claim. I have uploaded for members of IIISLA. As a responsible Chairman IIISLA UP, I will be uploading various educative slides and writeups.
I have prepared an article on the total loss claim. I have uploaded for members of IIISLA. As a responsible Chairman IIISLA UP, I will be uploading various educative slides and writeups.
EVmo, Inc. bridges the gap between rideshare drivers in need of a suitable vehicle and rideshare companies that depend on attracting and keeping drivers. EVmo uniquely supports drivers in both the higher and lower economic categories with innovative policies and programs. EVmo is a leading provider of rental vehicles to drivers in the ever-expanding gig economy. EVmo maintains its own fleet of vehicles, which are rented to rideshare/delivery drivers, while providing insurance coverage and insurance cards in the drivers’ names to ensure drivers meet the stringent requirements of rideshare and logistics companies.
Two Wheeler Bundled Insurance With Add On By Edelweiss GIJonksDaniel
Enjoys the benefits of two wheeler bundled insurance with add on by Edelweiss general insurance. Get long duration insurance for your two wheeler and drive safe.
Two Wheeler Bundled Insurance With Add On By Edelweiss GIJonksDaniel
Enjoys the benefits of two wheeler bundled insurance with add on by Edelweiss general insurance. Get long duration insurance for your two wheeler and drive safe.
EVmo, Inc. bridges the gap between rideshare drivers in need of a suitable vehicle and rideshare companies that depend on attracting and keeping drivers. EVmo uniquely supports drivers in both the higher and lower economic categories with innovative policies and programs. EVmo is a leading provider of rental vehicles to drivers in the ever-expanding gig economy. EVmo maintains its own fleet of vehicles, which are rented to rideshare/delivery drivers, while providing insurance coverage and insurance cards in the drivers’ names to ensure drivers meet the stringent requirements of rideshare and logistics companies.
TECHNICAL TRAINING MANUAL GENERAL FAMILIARIZATION COURSEDuvanRamosGarzon1
AIRCRAFT GENERAL
The Single Aisle is the most advanced family aircraft in service today, with fly-by-wire flight controls.
The A318, A319, A320 and A321 are twin-engine subsonic medium range aircraft.
The family offers a choice of engines
EVmo, Inc. bridges the gap between rideshare drivers in need of a suitable vehicle and rideshare companies that depend on attracting and keeping drivers. EVmo uniquely supports drivers in both the higher and lower economic categories with innovative policies and programs. EVmo is a leading provider of rental vehicles to drivers in the ever-expanding gig economy. EVmo maintains its own fleet of vehicles, which are rented to rideshare/delivery drivers, while providing insurance coverage and insurance cards in the drivers’ names to ensure drivers meet the stringent requirements of rideshare and logistics companies.
Two Wheeler Bundled Insurance With Add On By Edelweiss GIJonksDaniel
Enjoys the benefits of two wheeler bundled insurance with add on by Edelweiss general insurance. Get long duration insurance for your two wheeler and drive safe.
Two Wheeler Bundled Insurance With Add On By Edelweiss GIJonksDaniel
Enjoys the benefits of two wheeler bundled insurance with add on by Edelweiss general insurance. Get long duration insurance for your two wheeler and drive safe.
EVmo, Inc. bridges the gap between rideshare drivers in need of a suitable vehicle and rideshare companies that depend on attracting and keeping drivers. EVmo uniquely supports drivers in both the higher and lower economic categories with innovative policies and programs. EVmo is a leading provider of rental vehicles to drivers in the ever-expanding gig economy. EVmo maintains its own fleet of vehicles, which are rented to rideshare/delivery drivers, while providing insurance coverage and insurance cards in the drivers’ names to ensure drivers meet the stringent requirements of rideshare and logistics companies.
TECHNICAL TRAINING MANUAL GENERAL FAMILIARIZATION COURSEDuvanRamosGarzon1
AIRCRAFT GENERAL
The Single Aisle is the most advanced family aircraft in service today, with fly-by-wire flight controls.
The A318, A319, A320 and A321 are twin-engine subsonic medium range aircraft.
The family offers a choice of engines
Courier management system project report.pdfKamal Acharya
It is now-a-days very important for the people to send or receive articles like imported furniture, electronic items, gifts, business goods and the like. People depend vastly on different transport systems which mostly use the manual way of receiving and delivering the articles. There is no way to track the articles till they are received and there is no way to let the customer know what happened in transit, once he booked some articles. In such a situation, we need a system which completely computerizes the cargo activities including time to time tracking of the articles sent. This need is fulfilled by Courier Management System software which is online software for the cargo management people that enables them to receive the goods from a source and send them to a required destination and track their status from time to time.
Automobile Management System Project Report.pdfKamal Acharya
The proposed project is developed to manage the automobile in the automobile dealer company. The main module in this project is login, automobile management, customer management, sales, complaints and reports. The first module is the login. The automobile showroom owner should login to the project for usage. The username and password are verified and if it is correct, next form opens. If the username and password are not correct, it shows the error message.
When a customer search for a automobile, if the automobile is available, they will be taken to a page that shows the details of the automobile including automobile name, automobile ID, quantity, price etc. “Automobile Management System” is useful for maintaining automobiles, customers effectively and hence helps for establishing good relation between customer and automobile organization. It contains various customized modules for effectively maintaining automobiles and stock information accurately and safely.
When the automobile is sold to the customer, stock will be reduced automatically. When a new purchase is made, stock will be increased automatically. While selecting automobiles for sale, the proposed software will automatically check for total number of available stock of that particular item, if the total stock of that particular item is less than 5, software will notify the user to purchase the particular item.
Also when the user tries to sale items which are not in stock, the system will prompt the user that the stock is not enough. Customers of this system can search for a automobile; can purchase a automobile easily by selecting fast. On the other hand the stock of automobiles can be maintained perfectly by the automobile shop manager overcoming the drawbacks of existing system.
Hybrid optimization of pumped hydro system and solar- Engr. Abdul-Azeez.pdffxintegritypublishin
Advancements in technology unveil a myriad of electrical and electronic breakthroughs geared towards efficiently harnessing limited resources to meet human energy demands. The optimization of hybrid solar PV panels and pumped hydro energy supply systems plays a pivotal role in utilizing natural resources effectively. This initiative not only benefits humanity but also fosters environmental sustainability. The study investigated the design optimization of these hybrid systems, focusing on understanding solar radiation patterns, identifying geographical influences on solar radiation, formulating a mathematical model for system optimization, and determining the optimal configuration of PV panels and pumped hydro storage. Through a comparative analysis approach and eight weeks of data collection, the study addressed key research questions related to solar radiation patterns and optimal system design. The findings highlighted regions with heightened solar radiation levels, showcasing substantial potential for power generation and emphasizing the system's efficiency. Optimizing system design significantly boosted power generation, promoted renewable energy utilization, and enhanced energy storage capacity. The study underscored the benefits of optimizing hybrid solar PV panels and pumped hydro energy supply systems for sustainable energy usage. Optimizing the design of solar PV panels and pumped hydro energy supply systems as examined across diverse climatic conditions in a developing country, not only enhances power generation but also improves the integration of renewable energy sources and boosts energy storage capacities, particularly beneficial for less economically prosperous regions. Additionally, the study provides valuable insights for advancing energy research in economically viable areas. Recommendations included conducting site-specific assessments, utilizing advanced modeling tools, implementing regular maintenance protocols, and enhancing communication among system components.
Overview of the fundamental roles in Hydropower generation and the components involved in wider Electrical Engineering.
This paper presents the design and construction of hydroelectric dams from the hydrologist’s survey of the valley before construction, all aspects and involved disciplines, fluid dynamics, structural engineering, generation and mains frequency regulation to the very transmission of power through the network in the United Kingdom.
Author: Robbie Edward Sayers
Collaborators and co editors: Charlie Sims and Connor Healey.
(C) 2024 Robbie E. Sayers
Vaccine management system project report documentation..pdfKamal Acharya
The Division of Vaccine and Immunization is facing increasing difficulty monitoring vaccines and other commodities distribution once they have been distributed from the national stores. With the introduction of new vaccines, more challenges have been anticipated with this additions posing serious threat to the already over strained vaccine supply chain system in Kenya.
Event Management System Vb Net Project Report.pdfKamal Acharya
In present era, the scopes of information technology growing with a very fast .We do not see any are untouched from this industry. The scope of information technology has become wider includes: Business and industry. Household Business, Communication, Education, Entertainment, Science, Medicine, Engineering, Distance Learning, Weather Forecasting. Carrier Searching and so on.
My project named “Event Management System” is software that store and maintained all events coordinated in college. It also helpful to print related reports. My project will help to record the events coordinated by faculties with their Name, Event subject, date & details in an efficient & effective ways.
In my system we have to make a system by which a user can record all events coordinated by a particular faculty. In our proposed system some more featured are added which differs it from the existing system such as security.
Quality defects in TMT Bars, Possible causes and Potential Solutions.PrashantGoswami42
Maintaining high-quality standards in the production of TMT bars is crucial for ensuring structural integrity in construction. Addressing common defects through careful monitoring, standardized processes, and advanced technology can significantly improve the quality of TMT bars. Continuous training and adherence to quality control measures will also play a pivotal role in minimizing these defects.
Cosmetic shop management system project report.pdfKamal Acharya
Buying new cosmetic products is difficult. It can even be scary for those who have sensitive skin and are prone to skin trouble. The information needed to alleviate this problem is on the back of each product, but it's thought to interpret those ingredient lists unless you have a background in chemistry.
Instead of buying and hoping for the best, we can use data science to help us predict which products may be good fits for us. It includes various function programs to do the above mentioned tasks.
Data file handling has been effectively used in the program.
The automated cosmetic shop management system should deal with the automation of general workflow and administration process of the shop. The main processes of the system focus on customer's request where the system is able to search the most appropriate products and deliver it to the customers. It should help the employees to quickly identify the list of cosmetic product that have reached the minimum quantity and also keep a track of expired date for each cosmetic product. It should help the employees to find the rack number in which the product is placed.It is also Faster and more efficient way.
2. Motor Ins urance Policy
The mos t widely known general ins urance
product is Motor vehicle ins urance.
. .
It a the tariff product & implemented w e f
1-7-2002 .
by TAC
.
Breach of the tariff NOT permitted at all
.
The Tariff is mainly divided into three s ections
48
There are General Regulations governing the
.
application of the tariff We will take up thes e
.
regulations later during the pres entation
.
Motor Tariff is a big & exhaus tive tariff
3. Motor Ins urance Policy
This is a pers onal ins urance contract and hence
.
propos er has to fill up the propos al form
There are two types of ins urance
Liability Only policy and
Package policy
The Liability only policy is mandatory ins urance
requirement as per the Indian Motor Vehicle Act
1988. This policy ins ures the liability of the
.
owner of the vehicle agains t the Third Party
The Package policy covers the damage to the
vehicle apart from the mandatory liability
.
ins urance
4. Motor Ins urance Policy
The fixation of the liability is governed by the
,
Motor Vehicle Act The claim is lodged with MACT
The fixation of liability for the damage to the
vehicle is decided by the INSURERS. Surveyors
.
are the intermediary
The policy names the perils agains t which the
ins urers as s ume the ris k of damages or the los s
.
to the vehicle
10
There are s uch named perils
5. Perils Covered
.
i ;
by fire explos ion s elf ignition or lightning
.
ii ;
by burglary hous ebreaking or theft
.
iii ;
by riot and s trike
.
iv ( );
by earthquake fire and s hock damage
.
v by flood typhoon hurricane s torm tempes t inundation cyclone hails torm
;
fros t
.
vi ;
by accidental external means
.
vii ;
by malicious act
. ;
viii by terroris t activity
.
ix - ;
whils t in trans it by road rail inland waterway lift elevator or air
.
x by lands lide rocks lide
6. Motor Ins urance
,
Motor Ins urance includes Private Cars Motorized
Two Wheelers and Commercial Vehicles
excluding .
vehicles running on rails
All the vehicles having number plates have to be
.
ins ured under the Motor Ins urance If the vehicle
us e is res tricted to premis es then CPM can be
is s ued.
The Ins urance is applicable for vehicles plying
.
within the geographical limits of INDIA
.
Geographical limits can be extended
7. Valuation of the Motor Vehicle
Every as s et under General Ins urance s hould
.
have an ins urable value
.
There has to be a method to value the as s et
There are three methods of valuation of the
.
motor vehicle
4. VINTAGE CARS
5. CLASSIC CARS
6. ( )
Ins ured declared value IDV
8. Valuation of the Motor Vehicle
Vintage Cars and Clas s ic Cars have the definition
of the tariff but it is the IDV method which s hould
.
be very clear to all
’
IDV is bas ed on the manufacturers lis ted s elling
price of the brand and the model propos ed for
ins urance with due adjus tment for the
depreciation.
.
The tariff provides for s cale pf dep for vehicles
5 . >5 .
upto years of age For the vehicles aged yrs
.
INSURERS & Ins ured decides the IDV
.
There are minimum ins ured values as well
9. Bas is of rating
:
There are two parts for rating For Act liability
.
s ection & for Own Damage
Once you know the value of the as s et then in order
to ins ure the s ame there s hould be a method to
.
rate the ris k to enable collection of premium
.
Tariff provides for the method to rate the ris k I e
.
the Motor Vehicle in this cas e
Rating Factors : The premium rating is bas ed on
:
the following factors
a) Insured’
s Declared Value (IDV) of the vehicle (For
determ
iningIDV-RefertoGR.8)
b) CubicCapacity
c) Geographical Zones
D) Ageof thevehicle
10. -
Bas is of rating Contd
The four factors s tated earlier takes up different
.
meaning under the different s ection of the tariff
The s ections are logical s ections and eas y to
.
unders tand
Broadly you are aware that there are private cars
.
and there are commercial vehicles
The tariff has s egmented them in the s ame
:
fas hion and hence we have
11. -
Bas is of rating Contd
2. Tariff for Private Car
3. Tariff for Motoris ed Two wheelers
4. Tariff for Commercial vehicles
The commercial vehicle tariff has s ix
s ubs ections which als o provides rating for the
vehicles moving out after being manufactured
.
thes e are called motor trade ris k policy
12. -
Bas is of rating Contd
> 10 .
Similarly there are ratings for vehicles yrs old
1.936
%onIDV
1.848
%onIDV
1.760
%onIDV
>5Years
&
<10Yrs
1.844
%onIDV
1. 760
%onIDV
1.676
%onIDV
<5Years
>350cc
>150cc&
<350cc
<150cc
Ageof
Vehicle
Cu. Cap.
Cu. Cap.
Cu. Cap.
ZoneB
ZoneB
ZoneB
13. -
Bas is of rating Contd
> 10 .
Similarly there are ratings for vehicles yrs old
1.973
%onIDV
1.883%
onIDV
1.793
%onIDV
>5Years
&
<10Yrs
1.879
%onIDV
1. 793
%onIDV
1.708
%onIDV
<5Years
>350cc
>150cc&
<350cc
<150cc
Ageof
Vehicle
Cu. Cap.
Cu. Cap.
Cu. Cap.
ZoneA
ZoneA
ZoneA
14. -
Bas is of rating Contd
For the Liability Only cover the premium
chargeable is
Rs. 700/-
Exceeding1500cc
Rs. 600/-
Exceeding1000ccbut
notexceeding1500cc
Rs. 500/-
NotExceeding1000cc
Prem
ium
CubicCap. Of the
Vehicle
15. How to arrive at IDV
5
For Vehicles beyond yrs old and for obs olete models the Ins urers & the
.
ins ured decides the market value In the event of a claim this value will be
/ .
TL CTL value payable
50%
Exceeding4yearbutnotexceeding5years
40%
Exceeding3yearbutnotexceeding4years
30%
Exceeding2yearbutnotexceeding3years
20%
Exceeding1 yearbutnotexceeding2years
15%
Exceeding6m
onthsbutnotexceeding1
year
5%
Notexceeding6m
onths
%ageof dep. for
fixingIDV
Ageof thevehicle
16. -
Bas is of rating Contd
Apart from this four factor bas ed
rating additional premium is
chargeable for additional facilities
.
Viz
2. / .
For electronic electrical fittings e g Car Tape
4%
additional is chargeable provided the
.
fittings are additional fittings
3. - . .
Vehicle with Bi fuel s ys tem i e s ay with
/
CNG LPG s ys tem duly endors ed by RTA
4% .
again extra is chargeable
4. If the vehicle is fitted with Fibre glas s fuel
. 50/- .
tank then Rs extra is to be charged
5. :
Pers onal Accident policy Different extra
.
rates applied for different s um ins ured For
.
Owner Driver it is compuls ory
17. -
Bas is of rating DISCOUNTS
The mos t important point of rating are the
dis counts and the mos t important dis count is the
“
NoClaimBonus” .
dis count
Other dis counts and benefits
3. Voluntary deductibles dis count
4. Automobile As s ociation Members hip dis count
5. 2.5% .
Dis count for antitheft devices
6. - 25%
Vintage Car dis count
7. 50% for s pecial vehicles for handicapped etc
8. 33.33% .
dis count for veh Confined to own premis es
9. -
For reducing TPPD limit premium is reduced by certain amount
18. NCB
Even one claim and NCB s tarts afres h
12
NCB is granted only after full months of policy
50%
Noclaimduringthepreceding5
consecutiveyearsof insuran
45%
Noclaimduringthepreceding4
consecutiveyearsof insuran
35%
Noclaimduringthepreceding3
consecutiveyearsof insuran
25%
Noclaimduringthepreceding2
consecutiveyearsof insuran.
20%
Noclaimin1st
year
%agediscount
All Typesof vehicles
19. –
Ratings Other features
Rating parameters als o encompas s :
2. Coverageforthedriver/cleaner/cooliesasrequiredby theM
V
Act1988- Rs.25/-.
Accidents to Soldiers/ Sailors/Airm
en em
ployed as Drivers by
Defenceofficials intheir privatecapacity –Rs. 100/-.
Liability to em
ployees of the insured traveling in or driving the
em
ployer'svehicle.
A restricted cover like “
Act+Theft” or “
Act+Fire” or
“
Act+Fire&theft”is also perm
itted. The rates are provided in
GR 45.
Foratw
ow
heeler “
accessories”
attractextra@ 3%.
20. -
Motor Ins urance Terminologies
Drivers claus e
Limitation as to us e claus e
–
Endors ements IMT
Deductibles
TPPD cover
( 35)
Us e confined to s ite GR
Trans fer
Subs titution
Double ins urance
Duplicate Certificate
Cancellation
NCB
21. -
Motor Ins urance Terminologies
Drivers Claus e
Any pers on including the ins ured
Provided that a pers on driving holds an effective driving
licens e at the time of the accident and is not dis qualified
.
from holding or obtaining s uch a licens e
Provided ’
als o that the pers on holding an effective Learner s
licens e may als o drive the vehicle and that s uch a pers on
3
s atis fies the requirements of Rule of the Central Motor
, 1989.
Vehicles Rules
22. -
Motor Ins urance Terminologies
Limitation as to the us e Claus e for the private car
The Policy covers us e of the vehicle for any purpos e other than
)
a Hire or Reward
) ( )
b Carriage of goods other than s amples or pers onal luggage
)
c Organized racing
)
d Pace making
)
e Speed tes ting
)
f Reliability Trials
)
g Us e in connection with Motor Trade
Similarly there are different wordings for different clas s of the
.
vehicle
23. -
Motor Ins urance Terminologies
IMT Endors ements
65
There are endors ements s ignifying the benefits and the
limitations of every extens ions or deletions made under the
policy and they actually define the coverage under the
.
endors ements
Example – As s uming that you ins ure a CRANE under motor
policy and the cover is extended to include the ris k of
overturning then you have to us e 47
IMT .
to define the cover
The legal liability to the paid driver of a commercial vehicle
is as per the 40
IMT .
wordings
If the Car Tape is covered then the ins urance is defined by
24
IMT .
and hence has to be attached to the policy
24. -
Motor Ins urance Terminologies
:
Deductibles
The tariff provides for compuls ory exces s to be borne by the
ins ured in the event of any los s or damage claimable under the
.
policy 21 22 .
IMT & to be us ed
:
TPPD
.
The Act pres cribes for two Act liabilities i e TPPI & TPPD and
.6000/-.
whereas the TPPI is unlimited the TPPD is limited to Rs The
. 7.5
tariff permits the TPPD coverage upto Rs Lacs as in built
.6000/-
cover but for reducing the s ame to Rs there are dis counts
.
pres cribed
/ :
Us e confined to s ite premis es
/
Many indus trial motors movable plants are us ed within the s ite
33.33%
only hence dis count is granted
25. -
Motor Ins urance Terminologies
:
Trans fer
When the vehicle is s old the policy is trans ferred to the new
.50/-
owner and trans fer fee of Rs is collected to is s ue a new
.
certificate of ins urance
Subs titution:
When the owner buys a new vehicle then the new vehicle
can be ins ured under the s ame policy by s ubs tituting the
.
old with the new vehicle This is done after ens uring that
.
the old vehicle has the compuls ory Liability Only ins urance
Double Ins urance:
Occas ionally vehicles are ins ured twice and tariff provides
.
for refund of premium under one of the policy
26. -
Motor Ins urance CLAIMS
The mos t tangible effect of the general ins urance product is
.
claim s ettlement
Under the motor ins urance policy mos t of the claims are
aris ing out of vehicular accident and s econdly becaus e of
. .
theft Pure Fire los s es are rare
All accidents do not res ult in third party claim but there is
.
definitely an own damage claim “Own Damage” means
.
damage to the vehicle ins ured
Third party claims are handled by the des ignated court
– .
called Motor Accident Claim Tribunal MACT
The quantum of the own damage claim have to be as s es s ed
and the job is done by the independent s urveyor which in
.
our cas e will be Cunningham Linds ay
/
Motor claims are reimburs ement bas ed & hence repair & or
the replacement bills are to be collected for the as s es s ed
/ .
los s damage
27. –
Motor Ins urance Claims
,
There are mainly two types of los s es or damages
2. ( )/ ( )
Total Los s TL Cons tructive total los s CTL
3. Partial los s
Total Los s means either the accidented vehicle is
irreparable or that virtually the economical repair cos t
.
exceeds the IDV of the vehicle
CTL means that economical repair liability is in exces s of
75% of IDV and cos t of retrieval or repair is factually more
.
expens ive than IDV A comparis on between the repair
/
liability and IDV is neces s arily made to arrive at the TL CTL
liability
The Partial Los s means the accidental vehicle can be
.
economically repaired
Surveyor is appointed when the los s is intimated and the
.
es timate of los s is received
28. –
Motor Ins urance Claims
:
Important points to be kept in mind
The driver at the material time of accident s hould have an
.
effective driving licens e
The claimant s hould be the owner of the vehicle or the
authoris ed employee of the company whos e vehicle has
.
met with an accident
If there is any third party injury or damage then lodging an
.
FIR with Police is mus t
We pay for the cos t of protection and removal of the vehicle
from the s ite of accident to the place of repair hence the
ins ured s hould act immediately for the minimis ation of
.
los s
.
In cas e of theft of the vehicle FIR is mus t