Mr Benson added that he lost three weeks over a minor issue that should have been resolved swiftly. He explained that law enforcement officers issue Form PF90, an official accident sketch, and Form PF3 if bodily injuries occurred. “Insurers send specialists to verify quotes because some policyholders stage deliberate damage to inflate compensation,” noted Mr Msaki. “A car valued at Sh150 million might suffer Sh5 million in actual damage, but the client’s chosen garage quotes Sh20 million. Tanzania Insurance Regulatory Authority (Tira) Insurance Commissioner, Dr Baghayo Saqware, defended current timelines, stating the regulator serves 26.6 million citizens without widespread formal complaints.