First case: Date 8 May 2025. Bike rider Chinesh Sonwane died in an accident in Varasivani, Balaghat. The police wrote in the FIR that the motorcycle collided with the car coming from the front. This was then claimed for the amount of insurance claim. When investigated
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Second case: Similarly, Akhilesh Yadav, who lives in Amarpatan in Maihar district, was injured in a road accident. Akhilesh wrote a report that the motorcycle coming from the front hit, but the investigation found that the electric wire was trapped in the neck and slipped the motorcycle.
This is not only two cases but there are thousands of cases of road accident insurance claim in MP in which something else is written in the FIR and the reality is something else. In fact, an entire racket of broker and police is working to get the amount of accident insurance claim. In this business of fake claim, 50 % of the claim amount is done with the victim’s family.
The victim’s family is also violating the law in the greed and inadvertent money. To expose the matter, Bhaskar investigated 10 such cases of fake claim. At the same time, Bhaskar Reporter spoke to brokers on intelligence camera and made a deal to get a fake claim.
Know how business runs in 5 points
- Accident insurance claim is found in both Surat in case of injuries or death in a road accident. As soon as there is an accident and it is found that the accident has been active after colliding with an unknown vehicle, then the brokers associated with this business become active.
- They prepare a script of fake case. No one knows about the vehicle that caused the accident, the police file an accident case against the unknown vehicle.
- The victim offers a broker offer to give 50 percent of the insurance amount to the family. In this way, police and brokers together change the truth of the case. Sometimes fake witnesses, false reports of a doctor and wrong documents are used.
- The police do not have to work hard to search for the accused or real vehicle. The case reaches the court, and the claim passes from there.
- The insurance company often passes the claim by looking at the paperwork, the reality does not come out. At the same time, the amount passes on the basis of the maintenance of the victim in the fake case in the court.
Understand how fake claims are taken from two cases
Case 1: A Bike Four Accident, Different Drives All Four This case is a bike registered in Indore RTO whose number is related to MP 09 VC 5039. Rajkumar Dhoke, who lives in Palada, Indore, bought this bike in the year 2017. The bike made four accidents from 2019 to 2023, out of which three cases and the injured got the amount of claim. In the fourth case, the case is under consideration in the court.
Now fake claims were taken in all three cases. This proves from this that the drivers were different in every case, that is, instead of the car owner Rajkumar Dhoke, it was run by people living in different places.
Know about the four accidents…
1. 14 January incident, FIR after 24 days The first case of death from this bike was registered at Kishanpura police station on 7 February 2019. The case was registered after 24 days, while the incident which was mentioned on 14 January 2019. According to the police FIR, Yogesh son Hemraj died in this accident. Santosh’s father Narayan was driving at the time of the incident.
What happened: 14 lakh 2 thousand of this accident. The claim was taken from the Oriental Insurance Company.
2. Accident again after 6 months, one killed A case was registered against this vehicle after 6 months at Depalpur police station in Indore. In which it was told that Manoj’s son Banshilal was driving the car. He hit Rahul Nagar on October 28, killing him. The FIR of this incident was registered on 5 November 2019 at the Depalpur police station in Indore on 5 November 2019.
What happened: The claim of this accident was taken from the Tata AIG company.
3. A year later in November 2020, third accident The same vehicle once again did an accident in September 2020 after a year. Then Umesh’s son Shriram Patidar was driving the car. He hit the bike of Shivakanya wife Satyanarayana, causing a deep injury to his head and Shivakanya died during treatment. The FIR of the case was registered at Pithampur police station on 9 November 2020 after 24 days.
What happened: The claim was taken from the National Insurance Company for this accident. The person who died is about 15 lakhs. Found and injured Rs 44 thousand as claim amount. meet.
Case 2: Three accidents, three deaths and one injured by a bike A bike which is registered in Barwani RTO and whose number is MP46 MG 7867. This bike did three accidents. Three people died in this while one person was injured. The owner of the bike is Mahesh Yadav, but different people did accidents in the three cases.
The claims of all three cases have been found. Two cases have been registered by bike at Kukshi police station of accident and one in Silavad police station. You can understand the three accidents from the slide given below …
Mahesh Yadav’s car also killed a bike rider Not only Mahesh Yadav’s bike but Maruti Wayne number MP-09 BA 0116 also hit two bike riders. In this, a young man named Bhima died while Rajaram was injured. The incident took place on 11 March 2021 and a case was registered at Kukshi police station on 18 March 2021 after seven days. The claim has also passed in this incident.
Accident drivers did not get punished In all these cases, none of the people who did accidents were punished. Rather, the person in front was killed by their collision. All of them were booked for culpable homicide. After all, Bhaskar spoke to Advocate Mujib Khan, who looked at such cases, why he was not punished.
He said that in the case of death in a road accident, two cases run in the court. The case of accident claim runs in a separate court and another case runs in the trial court to punish the accused. It has been seen in such cases that as soon as the claim passes from the court, the witnesses turn back a few days later in the second case.
Bhaskar reporter deal with accident claim as an agent In this business of accident claim, there is complete collusion of police, agents, doctors. To investigate this, Bhaskar Reporter met Ramesh Kushwaha, an agent from Indore. Kushwaha spoke openly on the intelligence camera. He told how he lures money to the victim’s family and how he manages the whole process from the police station to the claim. Read the conversation …
Reporter: Hello I am Rajiv Jain (Artificial name). Till now there was an agent in Bhopal. Have to meet you
Agent: Okay come, meet in court tomorrow.
Reporter: How will it be if you meet in office instead of court?
Agent: Okay come to the office.
,On the second day, the reporter reached the agent’s office. After a formal conversation here, the agent came directly on the issue.
Agent: How will you work? Which cases of accident will bring and how much commission will be done?
Reporter: I used to get salary in Bhopal. Here 15 to 20 percent will be done on commission. As far as the case is concerned, both known and unknown will be brought. 40 to 50 percent of the commission on unknown is discussed.
Agent: You only talk on 50 percent.
Reporter: Ok
After this conversation, the reporter talked to the agent to put fake vehicles. The agent said that there was a car that has been installed for the claim. The reporter told him that there is a car but it is difficult to bring here, then he said- bring everything and manage everything.
The agent also told the idea to set the victim’s family The agent also told the reporter how to set the victim’s family. He said- The entire profile of the deceased in the case of unknown accident has to be found out. Like how much he earned, what did he do. The reporter gave an example to pursue the matter.
Told him that there is a case of Depalpur. Dead 45 thousand rupees. Used to earn a month. How much claim will be made? On hearing this, the agent said- Hey, there will be strong claim in it. We go there before any other agent takes it away. The reporter said that I have talked about this case will come to itself.
Written and read on stamp paper with the victim’s family The agent also told that after taking the case in hand, it is also necessary to read on stamp from the victim’s family. When the reporter asked the reason for this, the agent said that there is a dispute later. Many times the aggrieved side moves from paying commission. He mentioned a case.
He told that after getting the claim in a case, the family started saying in the court that the 10 percent deal was decided, he was replacing 50 percent of it. Whereas in this case, we have paid 25 lakhs to the victim’s family instead of 12 to 15 lakhs. Claim was given.
The agent asked to get the reporter’s visiting card printed During this conversation, the reporter told the agent that in Bhopal, the insurance company’s investigation officers were also set, the agent said that all is also set here. If they come to know, they come on their own. You start working from tomorrow itself. When the reporter agreed, the agent said- You will not get a chance to be relaxed, whatever you get will get from love.
The agent also said that if you want some forms, tell me and take my visiting card. You will also get your name printed in it. The reporter also said that it is okay that I will seal your name on my card. On the second day of this conversation, the agent started sending information about the accident to the reporter on WhatsApp. Sent the cuttings of newspapers and also sent numbers of the policemen who had his settings from the policemen.
Now know how to harm the common man
1. Real people survive Senior Advocate Sanjay Mehra gives an example that if there is no insurance of a person’s car. He does an accident in which the person dies, then the accident is sure to be punished. In this situation, agents along with the police create an accident with an accident that is insured.
From the victim’s family to the police, doctors and car owners, there is a complete deal. The real car that has an accident is not caught.
2. Insurance premium amount is increasing Sanjay Mehra says that everyone gets insurance while buying a new car. It is valid for three years. After that the vehicle owner has to get third party insurance. Mehra says that according to an estimate, 50 percent of the vehicles do not have insurance later. Even after this, in the FIR of 99 of the 100 cases, it is said to be an accident with the same vehicle.
Insurance companies have to give claim after court order. Its entire load is increasing on insurance companies. The common man is not getting third party insurance. In such a situation, companies are increasing the premium amount to meet their deficit.