Insurance claim

Ramana (Querist) 09 February 2021 This query is : Resolved
My friend's father expired in 2018,they have a car in their fathers name which is in Criminal case ,has per the case the car must not be changed or transferred until case is disposed......so they just kept car with them and paid insurence in their father name it self.....now In 2021car is damaged when kept infront of the home at parking place......now insurance ppl are rejecting claim ....has the car owner ecpired two years back.....now my friend is helpless.....please let me know how can I get claim......

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A car owner passed away in 2018, and their car, involved in a criminal case, was insured and insured in their name. The car was damaged in 2021, but the insurance claim has been rejected because the owner is deceased. The advice given is that insurance policies cannot be legally issued in the name of a deceased person, and the policyholder should have informed the insurance company within six months of the owner's death to transfer the policy. It's suggested that obtaining a policy in a living person's name doesn't necessarily violate bail conditions related to car ownership transfer.

Advocate Bhartesh goyal (Expert) 09 February 2021
You are not entitled to get insurance claim of car belonged to your father irrespective of the fact that you are paying premium of policy regularly on your father's name even after demise of your father.You had to inform in this regard to insurance company within six months of death of your father and had to transfer the policy in your name in such period.

kavksatyanarayana (Expert) 09 February 2021
Yes. Agreed with the advice of the above learned expert.

Ramana (Querist) 09 February 2021
Criminal case bail conditions say that ,we must not change or transfer the car details to any one until case is disposed

Advocate Bhartesh goyal (Expert) 09 February 2021
Neither insurance company can issue policy in the name of dead person nor one can get issued legally the policy on dead person's name.getting policy on your name instead of your deceased father's name does not mean transfer of ownership of cae and neither it violets bail conditions.

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