IMT-29 — Legal Liability to Employees (Passenger-Carrying)
IMT-29 — Legal Liability to Employees (Passenger-Carrying). An endorsement extending the TP legal-liability cover to the insured's own paid employees. — DigiSurvey.
What it covers क्या कवर होता है
An endorsement extending the TP legal-liability cover to the insured's own paid employees travelling in the vehicle — conductor, cleaner, loader, driver's helper, courier staff — under the Workmen Compensation Act / Employees' Compensation Act. Normally the base TP excludes employees as they fall under WC.
एक endorsement जो TP legal-liability cover को गाड़ी में यात्रा करते बीमित के paid employees — conductor, cleaner, loader, driver's helper, courier staff — तक बढ़ाता है, Workmen Compensation Act / Employees' Compensation Act के तहत। सामान्यतः base TP employees को exclude करता है क्योंकि वे WC में आते हैं।
Surveyor's verdict / key conditions सर्वेयर की जाँच
For a passenger-carriage TP claim with an injured conductor / cleaner: check IMT-29 on policy; without it, the employee cannot claim TP from the motor policy — the owner is personally liable under WC Act. If IMT-29 is in force, verify employee was on duty (salary slip, muster roll, trip-sheet signed).
घायल conductor/cleaner वाली passenger-carriage TP claim में — policy पर IMT-29 check करें; बिना इसके, employee motor policy से TP claim नहीं कर सकता — owner WC Act के तहत व्यक्तिगत रूप से liable। IMT-29 हो तो पक्का करें कि employee ON duty था (salary slip, muster roll, signed trip-sheet)।
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