# Bus That Ran on a Motorcycle's Insurance Policy Exposed After Fatal Purnia Crash > An investigation into compensation claims after a fatal bus accident in Purnia found that the bus's insurance policy actually belonged to a Bajaj Discover motorcycle. The insurer has filed an FIR against the bus owner and the motorcycle owner, suspecting fraud worth crores of rupees. **Type:** article · **Category:** Bihar · **Published:** 2026-07-16 · **Source:** TrendKia **Canonical:** https://trendkia.com/en/bihar/purnia-basa-hadase-ki-jancha-men-samane-aya-karoron-ka-bima-pharjivara-motarasaikila-ke-nama-nikali-yatri-basa-ki-polisi-8155 · **Language:** English **Tags:** Insurance Fraud, Purnia Bus Accident, Bajaj Discover, Bajaj Allianz, MACT Compensation, FIR A startling case of alleged insurance fraud has come to light in Purnia district of Bihar, where a private passenger bus running on the roads was reportedly insured under the name of a motorcycle instead of the bus itself. The fraud surfaced only after a fatal bus accident last year, when investigators began scrutinising compensation claims filed by victims. Checks by the insurance company revealed that the policy being cited as the bus's cover had actually been issued for a Bajaj Discover motorcycle. Suspecting a fraud running into crores of rupees, the insurer has now filed a police complaint, and the case is under investigation. ## The accident at Baisi The case traces back to a road accident on January 30, 2025, in the Baisi police station area of Purnia district. A bus named Krishnarath was travelling from Patna to Siliguri when it met with the accident. Passenger Sanjay Kumar Sarda died in the crash, while nine other passengers were injured. The bus, registered as BR-31-PA-1567, is owned by Suchita Chaudhary. Following the accident, the victims and the family of the deceased filed compensation petitions before the Motor Accident Claims Tribunal, known as MACT. Their claims stated that the bus was insured with Bajaj Allianz General Insurance Company. ## Fraud uncovered during hearing of ten claims A total of ten motor accident claim cases linked to this crash were filed before the MACT court in Uttar Dinajpur. While hearing these cases, the insurance company began verifying the bus's policy details, and that is when the discrepancy came to light. The policy number cited as the bus's insurance turned out to belong to a Bajaj Discover motorcycle registered in the name of one Sanjib Ruidas, even though the vehicle that met with the accident was a commercial passenger bus. When the company cross checked the policy number in its database, it became clear that no separate insurance policy had ever been issued in the bus's name. Preliminary findings suggested that the cheaper two wheeler policy may have been deliberately used to avoid paying the much higher premium applicable to a commercial bus. ## Segment mismatch and a fake policy The insurer's internal probe flagged three major irregularities. First, a segment mismatch, where a motorcycle policy was being passed off as cover for a bus. Second, an apparent attempt to secure insurance for a high risk commercial vehicle by paying a much lower two wheeler premium. Third, the use, for a compensation claim, of a policy that did not exist in the bus's name at all. Taken together, the company treated the case as a large scale insurance fraud. ## FIR against bus owner and motorcycle owner Once sufficient evidence was gathered, an authorised representative of the insurance company lodged a complaint at Baisi police station. The complaint names both bus owner Suchita Chaudhary and motorcycle owner Sanjib Ruidas as accused. Police have registered a case based on the complaint and launched an investigation into the matter. ## Police say documents being examined The officer in charge of Baisi police station said a written application had been received from the insurance company and that the case was being investigated on that basis. Further legal action, the officer said, would depend on the outcome of the probe. Police are currently examining all documents related to both vehicles, including registration records and insurance paperwork, to establish exactly how the alleged fraud was carried out and who was involved. ## What this means for you - **Across India:** The case is a reminder for vehicle owners and passengers to verify that a policy number actually matches the vehicle's segment before relying on it, since a mismatch can hold up compensation claims after an accident. - **In Purnia, Bihar:** Compensation for the deceased passenger's family and the nine injured passengers from the Baisi crash could now remain stuck until the insurance fraud investigation is completed. ## Questions & Answers ### 1. When did this bus accident in Purnia happen? The accident took place on January 30, 2025, in the Baisi police station area of Purnia district. ### 2. How many people were affected in the accident? Passenger Sanjay Kumar Sarda died in the crash, while nine other passengers were injured. ### 3. How was the insurance fraud discovered? While hearing ten compensation claim cases filed before the MACT court in Uttar Dinajpur, the insurance company checked the policy and found that the cover cited for the bus had actually been issued for a Bajaj Discover motorcycle. ### 4. Who owns the bus and the motorcycle involved? The bus is owned by Suchita Chaudhary, while the motorcycle is registered in the name of Sanjib Ruidas. ### 5. What action has the insurance company taken? Suspecting fraud worth crores of rupees, the insurer filed an FIR against the bus owner and the motorcycle owner at Baisi police station. ### 6. What happens next in the case? Police are examining all documents and insurance records related to both vehicles, and further legal action will be decided based on the investigation. --- _TrendKia — Har trend, sabse pehle.. Machine-readable view; canonical HTML at the URL above._