The insurer of the Vivekanda Road flyover in Kolkata that collapsed last Thursday may not foot the bill for reconstruction if it is found that raw materials of inferior quality were used or there was gross negligence on the part of the contractor. The sum insured with the government-owned United India Insurance under a Contractor All Risk policy is INR1,646.4 million (US$24.7 million). The completion of the construction was already delayed by five years at the time of the crash.