It is Road accident Insurance Phrases dictation playlist for Shorthand practice. Dictation is 604 words in 80 wpm to 120 wpm speed. You can download dictation transcription pdf file to download link of dictation transcription giving end of post.
India has the largest number of road accidents in the world. The number of accidents in India claim more lives than in China. One lakh people die in road accidents in a year and the average number of deaths per day is more than 300, meaning thereby that more than ten persons die every hour. Motor vehicle accidents are increasing at an alarming rate. Many years ago, one of my friends visited Canada where he met with an accident. He was immediately rushed to the hospital. The police immediately informed the Insurance Company of the insured vehicle whereupon the Insurance Company deputed their officer who visited the hospital and met my friend and also the Medical Superintendent to find out how much expenses were likely to be incurred on his treatment.
On the basis of the statement of the Medical Superintendent, the officer prepared a cheque of US $ 6000/- and offered the same to my friend without prejudice so that if more expenses are incurred, the same could be claimed later. The payment was made within 24 hrs of the accident. As a result, my friend was not burdened with any medical expenses. The Insurance Companies in our country are aware of this procedure and they actually implement the same in case of loss/damage of the motor vehicles. If a car is damaged in an accident, the Insurance Company immediately appoints a surveyor who inspects the vehicle on the same day, takes the photographs, discusses the estimated loss with the workshop and gives clearance for repair of the vehicle within 24 hours. The cheque for the expenses on the repair of the vehicle is paid directly to the workshop. In case of death of victims of road accident, the principles of calculation of compensation are well settled. The age and income of the victim and the number of dependants of the deceased victims have to be verified to compute the compensation. If the officer of the Insurance Company visits the house of the deceased victim immediately after the accident, these three things could be ascertained and necessary documents can be collected.
At the time of grief, there would not be any possibility of manipulation/exaggeration and the compensation on that basis could be tendered to the family of the deceased victim. In the case of injury, the visit to the hospital and statement of the Medical Superintendent can give a very clear estimate of the expenditure likely to be incurred on the treatment. In addition, photographs can be taken and copies of the medical record can be collected and the amount of compensation could be tendered to the victims immediately. The problem is acute for most of the victims of the road accidents who are poor persons walking on the road or riding on bicycles/scooters. The victims of the road accident need the compensation immediately.
The death of the sole bread-earner of the family leaving behind old and infirm parents, helpless wife, and minor children leads them to starvation. Similarly, permanent disability or an incurable injury to the sole breadearner of a family leads to equally anomalous situation. The drivers of the cars/trucks have least respect for the road users and they do not even care to stop and provide medical aid to the victims of the road accidents. The insurance companies display little respect for the law providing for compensation to the victims of the road accidents and they wait for a case to be filed before the Motor Accidents Claims Tribunal and on receipt of summons also, no steps are taken to resolve the case and the trial goes on for years.
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