Car Insurance Archives - Citi 97.3 FM - Relevant Radio. Always https://citifmonline.com/tag/car-insurance/ Ghana News | Ghana Politics | Ghana Soccer | Ghana Showbiz Tue, 08 Aug 2017 00:24:52 +0000 en-US hourly 1 https://wordpress.org/?v=6.0.8 https://citifmonline.com/wp-content/uploads/2019/05/cropped-CITI-973-FM-32x32.jpg Car Insurance Archives - Citi 97.3 FM - Relevant Radio. Always https://citifmonline.com/tag/car-insurance/ 32 32 Blogger makes shocking discoveries being processed for court [Article] https://citifmonline.com/2017/08/blogger-makes-shocking-discoveries-being-processed-for-court-article/ Tue, 08 Aug 2017 00:24:52 +0000 http://citifmonline.com/?p=343032 It was just another busy day for my husband as he left home to have several meetings in town with clients. He had barely been gone for 3 hours when my phone rang. He was so calm and collected when he said, ‘ I have been arrested for expiry of the car insurance. I am […]

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]]> It was just another busy day for my husband as he left home to have several meetings in town with clients. He had barely been gone for 3 hours when my phone rang. He was so calm and collected when he said, ‘ I have been arrested for expiry of the car insurance. I am going to the police station with the policeman.’ Snap. But I am pretty sure a stronger expletive came out of my mouth.

I could barely focus on the rest of the work ahead of me and the hunger pangs I had felt earlier just dropped into a black hole. I have always been careful and dutiful in renewing the car insurance and I just couldn’t believe time had flown by so quickly which had now led to this. Kmt.

Edem called me again to say that the policeman was being slow and didn’t want to get out of the car when they arrived at the police station. I said, yeah he’s wants you to give him ‘something’ so he lets you go. ‘I WILL NOT PAY!’ he said adamantly. Good on you I silently thought to myself but then again I knew how he was about to be frustrated by the police for failing to give ‘something’ small.

At the Airport Police Station, the policewoman behind the counter called him and told him he was being processed for court. Edem acquiesced. A few people in the station looked up in surprise at him. The policewoman who obviously couldn’t believe her ears repeated herself. ‘Ok!’ he said again. Processing him for court took another hour but my husband calmly waited for it to be over.

I called my lawyer friend for his counsel on what happens in instances like this and he said what I was already dreading; they will impound the car. All of a sudden I started thinking of the two meetings I had the next day 😅and how unreliable and almost non-existent Uber is in my area. So I relayed this information to Edem who wasn’t surprised. He was told to come the next day at 8am for court. This was going to be fun! I dashed off to the insurance company to get a new license.

We woke up really early to avoid the traffic on the Madina road, walked up the dusty & untarred road. Edem had taken the day off from work so he was more relaxed and looked ready to see this through. I took out my phone and opened the Uber app. By some divine favor there were two Uber cars within five minutes of our location! I booked it fast!

Why is it so awkward and almost fearful to enter a Ghana Police Station? Even if you have a case to report it’s as though you are the criminal. I wasn’t a criminal but I already felt fearful. We got to the police station 7:45am only to be told that the policeman taking us to court said he will be in at 9am. More fun! So we waited an hour but because we brought our gadgets with us we were able to get some work done.

He came in wiping his mouth with his hands as though he had just finished eating waakye. I asked Edem which court we were going to and he said High Street. Ah okay. How were we going to go there? Via trotro and the policeman will be paying as well. Oh wow!

I told the guy the new insurance is with me and he asked me why I didn’t to and show it to the guy who arrested me and beg him to let me go https://t.co/nB21kh5oaH

— Edem Kumodzi (@edemkumodzi) August 3, 2017

Here we were walking and crossing the main road from the police station towards the Accra Tema Station bound bus stop and I almost found it funny if not ludicrous. For a first time offender like my husband, surely this wasn’t the solution. Yes the law states explicitly that any driver who’s insurance cover has expired must be arrested. But the expiration wasn’t even up to a month yet? That was me in my thoughts.

As we waited at the stop, a Tema station trotro pulled up and we jumped in. Man! Been forever since I took a trotro. The last time I did was about four years ago when I slipped and fell whilst getting out of a trotro. Never again until this day.

We alighted at Tema Station and walked towards National Arts & Culture Center. I was confused..what court is this again? Or we are being led to some dangerous corner bi? so disconcerting. We passed through several stalls which took us to the back of the center and I was pretty intrigued to see see wooden shacks and mini slums growing at the back of the cultural center.

Then we finally saw the court. sItauated right behind the Kwame Nkrumah Mausoleum. Several people stood nearby waiting for their cases to be called whilst others looked so desponsdent as though pronounced guilty already.

If you watch Suits and think going to court dey be, this is what Accra Central District court looks like. ☺☺☺ pic.twitter.com/Pi0BdEqJMD

— Edem Kumodzi (@edemkumodzi) August 3, 2017

We sat on a bench outside the motor court as directed by our friendly policeman. He then found a higher ranking officer who glanced through our court case papers and I could almost read his face as he seemed to ask the policeman what this case was doing here. Like some lambasting was going on eh 😂.

waiting to be heard. A ranking officer asked the one who brought us here what he was there for. He read the docs and said “Why??” 😂😂😂 https://t.co/SWUjbmG1xT

— Edem Kumodzi (@edemkumodzi) August 3, 2017

The court house was not filled to capacity and the people in there looked to be middle-aged to senior citizens. It was only much later that Edem told me that most people were there to get their tenants evicted. The judge arose or went on some break of sorts so we waited some more.

So this is what most Ghanaians fear and end up paying bribes to policemen? The waiting process? So because the system itself is frustrating, the police take advantage and threaten us with court to force us to pay bribe.

Unless it’s a serious offence I bet they won’t be arresting us by heart because they are not equipped to process charges at scale.

— Edem Kumodzi (@edemkumodzi) August 3, 2017

What I keep wondering is this: what if all of us started refusing to pay bribes and went through this process?

— Edem Kumodzi (@edemkumodzi) August 3, 2017

Unfortunately I had to run off to a meeting I was already late for but was keeping tabs via Telegram. I had a meeting with my Uncle who wasn’t sympathetic one bit and told us to be ready to pay a penalty of about GHC500. No chill at all.

It was finally his turn.

My charge was read as failure to renew insurance policy since July 08th. Judge asked if that’s up to one month. Police officer said no.

— Edem Kumodzi (@edemkumodzi) August 3, 2017

After a few minutes the judge said he’s heard the charge but however there was no evidence that I have refused to renew my license.

— Edem Kumodzi (@edemkumodzi) August 3, 2017

Edem asked permission to speak.

In tthe meantime my car would be impounded. So I asked for permission to speak and said: My Lord, I have the new insurance policy right here

— Edem Kumodzi (@edemkumodzi) August 3, 2017

The judge asked why he was there in the first place

I replied: I tried to show them but they insisted I still come to court because i have already been processed.

— Edem Kumodzi (@edemkumodzi) August 3, 2017

And indeed had the policeman listened, we wouldn’t be in this place. But noo! After confirming that the new license was valid my husband was asked to go pick the car.

Officer confirmed that it was valid and the judge told me I’m free to go and pick my car.

— Edem Kumodzi (@edemkumodzi) August 3, 2017

Frustrations upon frustrations but I ended up paying nothing. This is how it should be done. The end.

— Edem Kumodzi (@edemkumodzi) August 3, 2017

Meanwhile, reactions to his experience was being shared by his followers.

Imagine if we all stopped paying bribe and went through this process. Like the police ppl themselves would stop stopping us unnecessarily

— Josie Ngminvielu (@kuu_ire) August 3, 2017

Well done man. We shouldn’t be intimidated by the police when we’re right. They’re always ripping us off with the law.

— Tsatsu (@tsa_tsu) August 3, 2017

He shared his lessons from the eventful experience with me,

1. Better to pay than be corrupt. 

2. Always know your rights. Speak to your lawyer or your lawyer friend to share counsel. 

3. Expect to be frustrated. I took the whole day off to handle this incident. Clear your calendar. Let your boss know what happened

4. Organisations should implement a no-bribery policy which translates into employees taking emergency day-off to go to court and sort out their issues. 

5. Always renew your insurance policy at the right time 😂😂😂.

I had to go back to my insurance company and reminded them to send me reminders when the policy was near expiration. That was quite an experience but nothing scary about it especially when you know your rights. I couldn’t help but remark earlier to Edem ( when we were waiting for the policeman to show up) about the behaviour of citizens on reaching a police station. It’s almost a deference, worshipping attitude. No wonder we are also talked to by heart sometimes by the police as though we the victims are criminals.  Well, I hope by this our experience we will be bolder and more confident in refusing to bribe Ghana Police. The corruption in this country must stop and it must stop with us paying what we shouldn’t pay. If we have to pay, it has to go into the Judiciary system’s coffers not into the pocket of a policeman. Ghana police all due respect, y3n ara asaase ne. Why frustrate those who want to do the right thing? Eno na men tease no! I can’t think far!

What about you? Have you ever had this experience with the police before? Did you pay or not 😋? What made you pay though?

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By: Naa Oyo Quartey

The post Blogger makes shocking discoveries being processed for court [Article] appeared first on Citi 97.3 FM - Relevant Radio. Always.

]]> Does third party insurance work? [Article] https://citifmonline.com/2017/06/does-third-party-insurance-work-article/ Wed, 14 Jun 2017 12:42:26 +0000 http://citifmonline.com/?p=328054 60 long years of nationhood should have taught some valuable lessons by now, but alas we are still where we are. It is time for us to begin to act as citizens, not spectators and together work to protect the public purse and safeguard national assets. It is sad how big truck drivers destroy our […]

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]]> 60 long years of nationhood should have taught some valuable lessons by now, but alas we are still where we are. It is time for us to begin to act as citizens, not spectators and together work to protect the public purse and safeguard national assets. It is sad how big truck drivers destroy our roads with reckless abandon. What is even more worrying is the impunity with which they do it. Nobody is responsible for anything hence government takes our money as taxpayers to build good roads that are damaged in seconds by reckless drivers and nobody cares. But I believe these are some of the reasons for which we are made to take at least a third party insurance but who is monitoring: no wonder more and more insurance companies are opening.

My concern today is to ask if third party insurance works in this country. My understanding of third party insurance is that the policy takes care of any damage caused by the insured to anybody or property and this in my candid opinion refers to the road as well.

May I call on the Ministry of Roads and Highways to as a matter of urgency, take action and ensure drivers who damage our roads are held liable and the insurance companies made to repair the damage caused to the roads. The inaction of the law has allowed the numerous insurance companies in this country get away with millions of cedis annually in unpaid claims when indeed they should be responsible for some of the damages done to our roads.

I am dumbfounded at the rate at which the newly constructed Fume to Ho road completed barely a year ago by Rolider is being badly damaged due to the activities of very heavy duty vehicles especially the Dangote cement trucks that have on several occasions fallen in the sharp curves and damaged the road, the road sign posts and the railings on the side of the road.

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My checks indicate that per the rules of engagement, when a vehicle damages the road in an accident or anything else, the damage falls under third party insurance policy which every driver is obliged to take. The damage must be paid for by the insurer of the vehicle, unfortunately this never gets done because the accidents are most often not reported to the police and even where they are reported “nokofio” changes hands and the matter never sees the light of day.

I have witnessed on at least two separate occasions where huge 50 ton Dangote cement trucks have fallen completely damaging portions of the road. In one instant the truck went into a valley and the company I am told later brought towing vehicle whose outrigger bore big holes in the middle of the road, to my utter dismay they left the holes in the middle of the road and left with their truck. My God, this can only happen in Ghana. They willfully damaged the road and without any guilt drove off, how unfortunate.

What is even more worrying is the fact that these 5 ton cement vehicles ignore clear road signs that indicate weight limit clearly. What is the MTTD doing to ensure the public purse is protected?

What is a third party insurance?

Motor third-party insurance or third-party liability cover, which is sometimes also referred to as the ‘act only’ cover, is a statutory requirement under the Motor Vehicles Act. It is referred to as a ‘third-party’ cover since the beneficiary of the policy is someone other than the two parties involved in the contract (the car owner and the insurance company). The policy does not provide any benefit to the insured. However, it covers the insured’s legal liability for death/disability of third-party loss or damage to the third-party property. Since the third-party insurance cover is mandatory, all non-life insurance companies have an obligation to provide this cover.

In my layman’s understanding of this explanation as given to me by an insurance company, any damage caused to the road is covered by the third party insurance policy hence the insurer is obliged by law to repair every damage to the road occasioned by a vehicle. Why nobody ever asked the insurance companies to do the honorable thing still beats my imagination.

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I am disturbed because the first  class Fume – Ho road has just been completed, the contractor  I  am reliably informed is yet to hand over the road to Government and already the road has been damaged in several places by careless driving. Just about a month ago a taxi got burnt completely into ashes in the middle of the road the heat destroying the bitumen on the road. I would have expected that by now the insurance company will pay for the damage caused but nothing, how sad.

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By Gratham-Jaisey Mckintosh

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