SUGGESTED PEACEFUL ROAD ACCIDENT SETTLEMENT PROCESS

Many roadside arguments happen because people only think about vehicle repair costs.

Even when insurance repairs the vehicle, the innocent owner may still face small additional inconvenience such as:

✔ Loss of No Claim Bonus (NCB)
✔ Towing expenses (If not covered under current Insurance Policy)
✔ Temporary travel inconvenience
✔ Out-of-pocket costs

To encourage calm and fair discussion between motorists, here is a simple indicative calculation method:

Expenses toward immediate medical attention of the occupiers has not been considered.

LOSS OF USE CALCULATOR
Insurance Policy No.
Purchase Date	16-06-2022
Incident Date	14-05-2026
No. of Days in Use	1428.00
Current KM Reading	30000.00
Average Daily Use L/S	40.00
Estimated Repair Days	7.00
Total KM	280.00
Local Per KM Rate	15.00
Conveyance Expense (A)	4200.00
NCB loss 20% of Premium	688.60
Towing Charge	1500.00
Total (A)+(B)+(C)	6388.60

 

Reference Documents at Site of Incident: RC and Current Insurance Policy

It is only a practical reference to help motorists:
✅ stay calm
✅ avoid roadside conflict
✅ discuss matters fairly
✅ settle minor issues peacefully

The calculation may be modified according to:
• local conditions
• vehicle type
• mutual understanding between parties

“Calm calculation is better than angry confrontation.”

Drive safely. Stay respectful.