Please guide us,
In factory site, workman’s met with the accident while going out after finishing his shift by the vehicle provided by the company.
Factory is not covered by the ESIC, because ESIC is not applicable in that area.
the Company has taken group insurance policy and open insurance policy for entire factory premises.
my queries are as follows;
1. whether company is liable to pay under workman compensation act,
2. if yes, then amount paid under workman compensation act can be set off against insurance claim payable under group insurance policy.
3. for workman compensation, whether the Company should take separate policy also to cover the liability under workman compensation,
4.whether open general insurance policy taken by the company will cover workman compensation liability
6. can dependent of family member /company make claim under motor vehicle act also in addition to workman compensation to claim from third party..
Kindly guide us in this matter.