I had an experience recently when my brother, who was riding on his bike, was hit by a bus from behind and my bike was stuck under the bus causing serious damage to it. For god's grace my brother is safe without even a single scratch on his body.
As mentioned that the bus hit him from behind, its clear that the mistakes is 100% on the bus driver's side. The saddest thing i feel about Indian road rule is that even if we are hit from behind, they blame us for stopping suddenly in front of them. No one cares that they have to keep enough distance from the vehicle in front of them, so that they can be stopped safely, even if the vehicle in front stops suddenly.
The accident was reported to the nearest police station and they were trying to escape the bus owner from this case. But we didn't give up and finally the bus owner agreed to solve this as case instead of a compromise. It was said like the repair charges will be paid by the Bus' Insurance. But then I came to know that it may take 1 or more years for the insurance to be sanctioned (From my friends' experience). So I finally decided to end up this case.
I then took my bike from the police station. Sad to say, the bike was filled full tank just minutes before the accident and when my brother took the bike back from the police station, it was empty. Later I came to know that this happens always there.
In short, the police guys are not willing to help the common people and they are also brilliant in stealing petrol
When I went to the Bajaj service center, they quoted around 30,000 for the repairs, and they asked me to pay an advance of 10,000 so that they can start the work. I don't really understand why I have to pay for my repairs which is under insurance claim. Then what does the Insurance claim stands for.
I feel like yelling some bad words about the rules in India.
At last it ended up like I had paid all the repairing cost from my pocket. 1 month later the insurance company credited me an amount, which is 8000 INR less than what I paid.
I had a loss of 8000 INR because of the carelessness of the bus driver. IMO
: The Indian police and insurance company has to learn too many things from the other countries.
I am currently living in UAE. Here, I don't have to pay even 1 paisa, for an accident caused to my vehicle by other driver's mistake. Also if we hit other vehicle from behind. It is totally our mistake that we didn't keep enough space between the vehicles.
Also all documentations for an accident will be cleared within minutes from the side of the police and within days from the side of Insurance. For my Indian bike it took more than 1 month and still didn't get anything, thats why I went for repairing using my own Insurance instead of the police case with the bus owner.
So the Indian scene is really frustrating.