What procedure should the Insured follow on receipt of a Notice of Claim from an injured party?
The Insured should immediately notify the insurance company in writing and forward copies of writs, summons or notices along with all other relevant documents to them. No admission, offer, promise or payment should be made by the Insured without the written consent of the insurance company. The insurance company reserves the right to take over and conduct legal proceedings in the name of the Insured. Normally they become joint respondents to the case along with the insured. All amounts expended by the company in such proceedings constitute defence costs and form part of the claim payable under the policy subject to the limit of indemnity mentioned as Sum Insured in the policy. However, in cases where the insurance company feels that the insured has breached any of the conditions of the policy, it may relinquish the defence of the insured. In such cases, the Insured has to defend the case on his own, while the insurance company produces its own defenses. If the Court passes an Award aga
