w Wh, 4 ¢ 4 \ ih ay 4\ wh x ie is , » ‘f gy 2 MY tACKNOWLEDGEMENT I express my deep gratitude and profound thanks to my most revered research guide DrAJayakumar, Associate Professor, Department of Commerce, Periyar University for his unflagging patience, constant encouragement and cooperation throughout the research process which were instrumental in facilitating the smooth completion of the thesis. It is my pleasure to acknowledge his guidance at every phase of planning and writing of this thesis I record my heartfelt thanks to Dr-Veeramani, Department of Commerce, Government Arts College, Salem for his generosity. I express my thanks to Dr. A. Elangovan, Head, Department of Commerce, Periyar University, Salem for allowing me to pursue the Ph.D. programme. It is my pleasant duty to extend my thanks to my friends in Periyar University, Salem and the Colleagues in Karunya University, Coimbatore.I thank, my friends Dr.Nandhiakumar, Mr. S.Velan and Mr. N. Venkatraman for their timely help. I thank, my well wishers Mr Rangarajan DM, Mr SVSubramonium DM, Mr. Thangavelu AO, Mr. Sankaranarayanan AM, Mr. C. Ganesan DM, Mr. S. Durairaj DM of ‘United India Insurance Co, Mr. N. Subramanium AM, Mr. V.Vijayakumar Senior DM, Mr. R, Gunasearan DM, Mr. Ramamurthy Senior Assistant, Chandra SeRar AO, Mr. .N. Viswanathan AO, Mr. 8. Rathinavelu AO, Mr. V. Ponnusamy AM of National Insurance Co, Mr. Ravindran DM, ‘Mr. RSoundarajan AO, Mr. Kandasamy Legal Officer, Mr: Jayanthinathan AO New India Assurance Co, Thins Ramakrishnan Oriental Insurance Co, Mr. NG: Visvanathan, Manager Tech, Bajaj Allianz General Insurance Co Ltd, Late A.K, Viswanathan Surveyor, Police Department &, Advocate friends. Without their help, encouragement and information this thesis is not possible. Tam thankful to the Chancellor of Karunya University for his fervent prayers and blessings in my long research endeavour. express my heartfelt and respectable thanks to my family members for their encouragement and support that have hefped me a fot in the successful completion of the Ph.D. programme. Above all, I thank God Almighty for His blessings in this endeavour. (GJawahar Babu)