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Motor Vehicle Insurance

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Accidents in Bangalore and dents to cars is a quite common scenario. It is very difficult to get a dent less car in Bangalore. People claim insurance and get it corrected.

But offender in the accident is not identified. Usually it goes the 'compromise' way. Argument saying that the other party is offender goes infinitely since there are no point to point traffic rule which supports anyone's argument.

There are some easy to identify offenders such as a car hitting from back of another car. Offender is always the back car all over the world. But even such simple accidents end up in argument with the car  driver who hit from back arguing that the front car suddenly applied the brake and it was the front cars mistake.

A person who meets an accident without any of his mistake say for example with another car hitting him from back has to claim his insurance without asking for the other party's insurance leading to increase in his insurance premium for subsequent years.

Question comes why not Motor Vehicle Companies working with Traffic Authorities to formulate rules to identify the offender and get his insurance charged  for the 'victim' car. Or is this a strict insurance lobby to get more premium from the public?

Most of the western countries have this law, and people openly accept their fault and provide their insurance no to the 'victim'.

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