IMT-19 — Private Car used for Non-Fare-Paying Passengers / Car-Pooling
IMT-19 — Private Car used for Non-Fare-Paying Passengers / Car-Pooling. A private car policy normally excludes carriage of passengers for hire or reward. — DigiSurvey.
What it covers क्या कवर होता है
A private car policy normally excludes carriage of passengers for hire or reward. IMT-19 explicitly permits occasional non-fare-paying passengers (friends, family, car-pool arrangements where no payment is received) within the policy, and clarifies the position for TP in such cases.
सामान्य private car policy किराया/इनाम के लिए सवारी ढोने को exclude करती है। IMT-19 कभी-कभार non-fare-paying passengers (मित्र, परिवार, कोई payment नहीं वाला car-pool) को policy में explicitly permit करता है, और TP position भी स्पष्ट करता है।
Surveyor's verdict / key conditions सर्वेयर की जाँच
For a TP claim where occupants were injured in a private car: if the trip was a bona-fide non-fare lift, IMT-19 confirms coverage. If any payment was received (even informal), insurer may argue it was a stage-carriage use — Pay-and-Recover. Also check the number of occupants did not exceed RC seating.
private car में सवारी घायल हुईं वाली TP claim में — अगर trip bona-fide non-fare lift था, IMT-19 cover की पुष्टि। अगर कोई payment मिला (informal भी) — insurer stage-carriage use की argue कर सकता है; Pay-and-Recover। RC seating से अधिक सवारी भी check करें।
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