Reliance General Insurance Co. Ltd vs Suresh Ramkrishna Hegde on 3 May, 2024

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State Consumer Disputes Redressal Commission

Reliance General Insurance Co. Ltd vs Suresh Ramkrishna Hegde on 3 May, 2024

  	 Cause Title/Judgement-Entry 	    	       KARNATAKA STATE CONSUMER DISPUTES REDRESSAL COMMISSION   BASAVA BHAVAN, BANGALORE.             First Appeal No. A/1266/2023  ( Date of Filing : 30 May 2023 )  (Arisen out of Order Dated 21/12/2022 in Case No. CC/328/2020 of District Uttara Kannda)             1. RELIANCE GENERAL INSURANCE CO. LTD  UNATHI ARCADE, 5/111 & 6/112
FIRST FLOOR,  1ST BLOCK, DR.RAJAKUMAR ROAD
RAJAJINAGAR, NEAR NAVARANG THEATRE 
BANGALORE
560010  BENGALURU URBAN  KARNATAKA ...........Appellant(s)   Versus      1. DATTATRAY TIMMAYYA HEGDE  KUNTAGALALE VILLAGE, POST  HARISHE
TQ  SORABA
DIST  SHIVAMOGGA  UTTAR KANNAD  KARNATAKA  2. THE DIRECTOR  KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE
560064  BENGALURU URBAN  KARNATAKA  3. THE DEPUTY DIRECTOR  HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA
581401  UTTAR KANNAD  KARNATAKA  4. THE MANAGING DIRECTOR  K.D.C.C. BANK MARKET YARD SIRSI SIRSI
581401   UTTAR KANNAD  KARNATAKA  5. STATE OF KARNATAKA  REP BY DEPUTY COMMISSIONER D.C. KARWAR
581301  UTTAR KANNAD  KARNATAKA ...........Respondent(s)      First Appeal No. A/1267/2023  ( Date of Filing : 30 May 2023 )  (Arisen out of Order Dated 21/12/2022 in Case No. CC/321/2020 of District Uttara Kannda)             1. RELIANCE GENERAL INSURANCE CO. LTD  UNATHI ARCADE, 5/111 & 6/112

FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. DEEPAK SRI KRISHNA HEGED TYGALI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1268/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/322/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. MAHESH PARAMESHWAR HEGDE TYGALI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1269/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/323/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. VIGNESHWAR TIMMAPPA HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1270/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/324/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SEETARAM NARAYAN HEGDE SHELURU VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1271/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/306/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. GANGADHAR SEETARAM HEGDE HANGARKANDA VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1272/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/303/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. MANJUNATH GANAPATI HEGDE NERALAMANE VILLAGE, SHIGEHALLI VILLAGE POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1273/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/318/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SURESH RAMKRISHNA HEGDE TYAGLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1274/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/305/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. GIRIJA PURANDAR HEGDE MANTIGEMANE VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1275/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/304/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. ANANT SUBRAY HEGDE NERALAMANE VILLAGE, POST KODSAR TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1276/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/313/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. MAHABLESHWAR NARASIMHA HEGDE GUBBAGON VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1277/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/302/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. INDIRA ANANT HEGDE NERALAMANE VILLAGE, SHIGEHALLI VILLAGE POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1278/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/301/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. NARASIMHA DYAVA NAIK HANGARKANDA VILLAGE POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1279/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/307/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 UTTAR KANNAD KARNATAKA ...........Appellant(s) Versus 1. VINAYAK GANAPATI HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1280/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/308/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SHRIPATI GANAPATI HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1281/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/291/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO.LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 UTTAR KANNAD KARNATAKA ...........Appellant(s) Versus 1. SHRIDHAR RAMAYYA HEGDE AGED ABOUT 76 YEARS HANGARKANDA VILLAGE, POST TYGALI TQ SIDDAPURA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1282/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/330/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. VISHWESHWAR GANAPATI HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1283/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/329/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SUBRAY MAHABALESHWAR HEGDE SOORAGIKOPPA VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1284/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/292/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. PRABHAKAR TIMMA GOUDA MATTIHALLI VILLAGE, POST TYGALI TQ SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1285/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/293/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. GOPAL VENKAPPA HEGDE TYAGLI POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1286/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/294/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. LAXMIDEVI RAMACHANDRA DIKSHITHA NERALAMANE, SHIGEHALLI VILLAGE POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1287/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/297/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. DINESH GANESH HEGDE SHELURU VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1288/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/296/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. KRISHNAMURTHY RAMAYYA HEGDE TYGALI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1289/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/314/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. GAYATRI CHANDRASHEKAR BHAT KALGADE VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1290/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/298/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. SUBRAY LAXMINARAYAN HEGDE HIRAKAI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1291/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/309/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SUJATA GANAPATI HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1292/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/342/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. RAGHAVENDRA SADANANDA HEGDE SHIGEHALLI VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1293/2023 ( Date of Filing : 29 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/290/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO.LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. MAHABLESHWAR RAMACHANDRA HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1294/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/310/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. BANGARI MABLESHWAR HEGDE TYGALI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1295/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/312/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. RAGHUPATI GANESH HEGDE TYGALI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1296/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/311/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. RAMA GANAPA NAIK BALEKAI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 UTTAR KANNAD KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1297/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/341/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. ASHOK VISHWESHWAR HEGDE SHIGEHALLI VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1298/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/337/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. RAMACHANDRA HANUMA NAIK HANGARKANDA VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1299/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/343/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. TUNGABHADRA DATTATRAY HEGDE HANGARKANDA VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1300/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/340/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. NAGAPATI SADANANDA HEGDE SHIGEHALLI VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1301/2023 ( Date of Filing : 27 Jun 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. CC/352/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. NARAYAN GANAPA NAIK BALEKAI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1302/2023 ( Date of Filing : 27 Jun 2023 ) (Arisen out of Order Dated 19/11/2022 in Case No. Complaint Case No. CC/97/2019 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI LOKESH VISHWANATH BHAT AMACHI DEVESAR TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1303/2023 ( Date of Filing : 27 Jun 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. CC/351/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. HANUMANT HULIYA NAIK SOORAGIKOPPA VILLAGE POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1304/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/5/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SHREEDHAR RAMAYYA HEGDE HANGARKANDA BALEKAI VILLAGE POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1305/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/11/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SHRIKANT RAMACHANDRA HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1306/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 02/02/2023 in Case No. Complaint Case No. CC/3/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. RAMANATH VISHWESHWAR HEGDE DEVISAR VILLAGE, POST KANSURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1307/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/15/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. PARAMESHWAR RAMACHANDRA HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1308/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. CC/360/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SAVITRI CHANDRASHEKAR NAIK SOORAGIKOPPA VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1309/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. CC/358/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. KUMAR NARASIMHA HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1310/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. CC/359/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. NAGABHUSHAN LAXMINARAYAN HEGDE TYGALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1311/2023 ( Date of Filing : 30 Jun 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. CC/353/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. RAMA GANAPA NAIK BALEKAI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1312/2023 ( Date of Filing : 30 Jun 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. CC/356/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. CHANDRU NARAYAN GOUDA MUDALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1313/2023 ( Date of Filing : 30 Jun 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. CC/355/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SHALINI NARASIMHA HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1314/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. CC/357/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. MANJUNATH MAHABLESHWAR HEGDE HANGARKANDA BALEKAI VILLAGE POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1315/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/12/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SEETARAM RAMACHANDRA HEGDE 50TH CROSS, 1ST MAIN ROAD, PRASHANTH NAGAR, BASAVESHWAR NAGAR, BENGALURU BENGALURU URBAN KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1316/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/16/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. LAXMINARAYAN RAMACHANDRA HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1317/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/13/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. GANAPATI RAMACHANDRA HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1318/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/14/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. RAMACHANDRA PARAMESHWAR HEGDE HANUMAVINJADDI KALAGADDE VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1319/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/17/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. RICHARD KAMIL SILVA TYGALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1320/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/18/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. RAMACHANDRA GANAPATI HEGDE C-311, CHARTERED MADHURA APTS, 12TH MAIN ROAD, SUBRAMANYA PURAM, BANGALORE BENGALURU URBAN KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1321/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/4/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. RAMACHANDRA LEGAL HEIR BHARATHI, RAMACHANDRA HEGDE GORANMANNE KALAGADDE VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. NITYA SATISH AGED ABOUT 35 YEARS,3RD MAIN ROAD,BAVANANAGAR ,2ND STAGE,RAILWAY LAYOUT,ULLAL,BANGALORE SOUTH-560110. BENGALURU URBAN KARNATAKA 3. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 4. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA. 5. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI,UTTAR KANNAD,KARNATAKA 6. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR,UTTAR KANNAD,KARNATAKA ...........Respondent(s) First Appeal No. A/1322/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 13/01/2023 in Case No. Complaint Case No. CC/35/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. RAVIKUMAR DEVARU HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1323/2023 ( Date of Filing : 01 Jul 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. Complaint Case No. CC/2/2021 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. DATTATRAYA RAMACHANDRA HEGDE KODAGADDE VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1324/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/315/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. MABLESHWAR NARAYAN NAIK SHELURU VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UDUPI KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1325/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/331/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. GOPAL SHANKAR HEGDE MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1326/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/316/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. MAHABLESHWAR VENKATRAMAN HEGDE KAMARURU VILLAGE, TQ SORABA DIST SHIVAMOGGA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1327/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/317/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. MANJUNATH RAMACHANDRA BHAT MATTIHALLI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1328/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/299/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. TIMMAPPA SEETARAM HEGDE HANGARKANDA VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1329/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/295/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. SRIKRISHNA GAJANAN HEGDE HANUMAVIJADDI, KALAGADDE VILLAGE POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1330/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/326/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. UMESH TIMMA NAIK SHELURU VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1331/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/325/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. TRAYAMBAK NARAHARI HEGDE SHIGEHALLI VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1332/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/319/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. VIRUPAKSHATIMMAYYA HEGDE SHIGEHALLI VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1333/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/300/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. MOHAN DYAVA NAIK HANGARKANDA VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1334/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/338/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. GANAPATI NARAHARI HEGDE TYGALI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1335/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/327/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 & 6/112 FIRST FLOOR, 1ST BLOCK, DR.RAJAKUMAR ROAD RAJAJINAGAR, NEAR NAVARANG THEATRE BANGALORE 560010 BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. JANAKA TIMMA NAIK KODAGADDE VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE 560064 BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT SIRSI DIST UTTAR KANNADA 581401 UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI SIRSI 581401 UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR 581301 UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1336/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/332/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. NARASIMHA DEVARU HEGDE TYGALI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1337/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/07/2022 in Case No. CC/336/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. PARAMESHWAR GANESH BHAT TYGALI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1338/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/334/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. GANAPATI VENKA NAIK HANGARKANDA VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1339/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/333/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE UTTAR KANNAD KARNATAKA ...........Appellant(s) Versus 1. SRI. MANJUNATH DYAVA NAIK HANGARKANDA VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1340/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/335/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. RANGANATH TIMMAYYA HEGDE TYGALI VILLAGE, POST TYGALI TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) First Appeal No. A/1341/2023 ( Date of Filing : 30 May 2023 ) (Arisen out of Order Dated 21/12/2022 in Case No. CC/339/2020 of District Uttara Kannda) 1. RELIANCE GENERAL INSURANCE CO. LTD. UNATHI ARCADE, 5/111 AND 6/112 FIRST FLOOR, 1ST BLOCK, DR RAJAKUMAR ROAD, RAJAJINAGAR, NEAR NAVARANG THEATRE, BANGALORE BENGALURU URBAN KARNATAKA ...........Appellant(s) Versus 1. SRI. NARAHARI GANAPATI HEGDE SHIGEHALLI VILLAGE, POST SHELURU TQ SIDDAPURA DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 2. THE DIRECTOR KARNATAKA STATE NATURAL DISASTER MONITORING CENTER GKVK CAMPUS MAJOR SANDEEP UNNIKRISHNAN ROAD NEAR ATTUR LAYOUT, YALAHANKA BANGALORE BENGALURU URBAN KARNATAKA 3. THE DEPUTY DIRECTOR HORTICULTURE DEPARTMENT ZILLA PANCHAYAT, SIRSI, DIST UTTAR KANNADA UTTAR KANNAD KARNATAKA 4. THE MANAGING DIRECTOR K.D.C.C. BANK MARKET YARD SIRSI, SIRSI UTTAR KANNAD KARNATAKA 5. STATE OF KARNATAKA REP BY DEPUTY COMMISSIONER D.C. KARWAR UTTAR KANNAD KARNATAKA ...........Respondent(s) BEFORE: HON'BLE MR. JUSTICE Huluvadi G. Ramesh PRESIDENT HON'BLE MR. Krishnamurthy B.Sangannavar JUDICIAL MEMBER HON'BLE MRS. Smt. Divyashree.M MEMBER PRESENT: Dated : 03 May 2024 Final Order / Judgement 03.05.2024:-

COMMON ORDER IN APPEAL NOS.941 to 997, APPEAL NOS.1266 to 1341 & APPEAL NO.1805 OF 2023 BY HON'BLE MR. JUSTICE HULUVADI G. RAMESH, PRESIDENT

01. The Opposite party Nos.1 & 2 - Reliance General Insurance Company have filed these above 134 Appeals under section 41 of the Consumer Protection Act, 2019 challenging the common orders passed in C.C. No.97/2019, dated: 19.11.2022, C.C. Nos.235/2020 to 288/2020, dated: 15.12.2022, C.C. Nos.290/2020 to C.C.No.343/2020, dated: 21.12.2022, C.C. Nos.351/2020 to 353/2020, C.C. Nos.355 to 360/2020, C.C. No.05/2021, C.C. No.11/2021 to C.C. No.18/2021 & C.C. No.35/2021, dated: 13.01.2023, C.C. No.02/2021 to C.C.No.04/2021 dated: 02.02.2023, C.C. Nos.37/2020 to C.C.No.39/2020, dated: 03.12.2022 by the Uttar Kannada District Consumer Disputes Redressal Commission, Karawara.

02. The above Appeals are interconnected to each other as they are arising out of the same cause of action and though complainants are different, the Appellants/opposite party Nos.1 & 2 - Reliance General Insurance Company and Respondent Nos.3 to 6 are same in all the above Appeals and hence this common order came to be passed.

03. The parties to these Appeals will be referred to as their rank assigned to them by the Commission below.

04. Heard arguments of Learned Counsels for Appellants and Respondent No.1 and so also heard the Statistical Officer who was present during the course of arguments.

05. The District Commission after enquiring into the matters had partly allowed the Consumer Complaints in C.C. Nos.235/2020 to 288/2020, dated: 15.12.2022, C.C. Nos.290/2020 to C.C.No.343/2020, dated: 21.12.2022, C.C. Nos.351/2020 to 353/2020, C.C. Nos.355 to 360/2020, C.C. No.05/2021, C.C. No.11/2021 to C.C. No.18/2021 & C.C. No.35/2021, dated: 13.01.2023, C.C. No.02/2021 to C.C.No.04/2021, dated: 02.02.2023, C.C. Nos.37/2020 to C.C.No.39/2020, dated: 03.12.2022, as against OP Nos.1 & 2 and dismissed as against OP Nos.3 to 6 by directing the OP Nos.1 & 2 - Reliance General Insurance Company to pay a sum of Rs.518/- per gunta to the complainant in each case along with interest at 6% per annum towards insurance amount for loss of crop from the date of filing of the complaint till realization and so also directed OP Nos.1 & 2 to pay a sum of Rs.2,000/- to the complainant in each case towards mental agony and deficiency of service. Further in the impugned order passed in C.C. No.97/2019, dated: 19.11.2022, the below Commission had partly allowed the consumer complaint as against OP No.1 and dismissed as against OP Nos.2 to 5 by directing OP No.1 - Reliance General Insurance Company Limited to pay Rs.777/- per Gunta to the complainant along with 6% interest from the date of complaint till realization and also to pay Rs.5,000/- towards deficiency in service. Furthermore in all the above consumer complaints the below Commission had directed OP Nos.1 & 2 - Reliance General Insurance Company Limited to make compliance of the order within one month, failing which the award amount shall carry interest at 9% per annum from the date of the order till realization. Aggrieved by these impugned orders, opposite party Nos.1 & 2 - The Reliance General Insurance Company have preferred these above 134 Appeals.

06. Perused the impugned orders and the grounds urged in the above Appeals.

07. The brief facts of the above cases are that, the complainants being agriculturists in profession owns respective agricultural lands in their names have cultivated Areca-nut plants in Siddapura Taluk. They being Members of Group Village Co-operative Society as share holders have obtained certain crop loans from OP No.5 - K.D.C.C. Bank. OP Nos.1 & 2 - Reliance General Insurance Company Limited are the insurance companies and OP No.3 - Karnataka State Natural Disaster Monitoring Center being a Centrally Registered Autonomous Organization was bound to collect the data from respective Panchayaths which were under their control and to inform the same to OP Nos.1 & 2. In the year 2017-2018 to secure the interest of agriculturists who grow Areca nut crops both Central and State Governments have implemented Weather Based Crop Insurance Scheme. The complainants herein being an Agriculturists of Areca nut crops have opted for said insurance scheme with the OP Nos.1 & 2 by making payment of the insurance premiums and thereby they became beneficiary of the said scheme for the year 2018-2019. As per the Karnataka Government order if any loss occurs due to the heavy rain or downfall of rain the OP Nos.1 & 2 - have to pay Rs.1,28,000/- to the agriculturist who had sowed the Areca nut crops in their lands on the basis of Weather Based Crop Insurance Scheme. The OP No.3 had submitted term sheet report to OP Nos.1 & 2 stating that, in July-2018 there were heavy rains for 10 days and in May-2019 more than 30 days climate composed of with dry air. Due to the said changes happened in climate the complainants suffered loss of crop which resulted to loss of financial loss. In this regard President of Thyagali Village Co-operative Society, Nanikatta, Siddapura Taluk, had requested the OP No.1 to pay the Crop insurance to the complainants. Despite lapse of 45 days OP Nos.1 & 2 have not come forward to make payments of the insurance amount to the complainants. Hence alleging deficiency in service on the part of opposite parties the complainants have filed consumer complaints before the below Commission.

08. The common grounds urged by the Appellants in all the above Appeals are that, the below Commission had failed to note that, the Appellants have settled the eligible claims as per Payout Report uploaded on Samrakshane Portal by Department of Horticulture on the basis of certified weather data provided by KSNDMC. The scheme operational guidelines clearly states that, the claims shall be assessed only based on weather data recorded by the notified reference Automatic Weather Station and that the claim process shall commence only once the accurate weather data is received. In the instant cases there is no delay, deficiency or negligence on the part of these Appellants as corrected weather data was awaited for discrepant notified units and these Appellants have duly settled the eligible claims upon upload of the Payout report in Samrakshane portal by Department of Horticulture basis Committee order dated: 31.03.2021 towards the disputed notified units. The below Commission has wrongly come to the conclusion that, the Appellants are liable to pay Rs.518/- per guntas to the complainants in each case. The insurance liability is limited only up to the claim calculation made available through the Samrakshane portal developed and managed by Government of Karnataka. The insured cannot claim anything more than what is covered by the scheme. As the scheme was framed by the Government it does not envisage payment of higher compensation which is more than the eligible entitlement amount to any insured. There is already an efficacious remedy available to the complainant under section 30 of ROG to file any complaint as per Grievance Redressal Mechanism for redressal of their grievances. The complainant did not exhaust the same before approaching the consumer commission. Hence prayed for remand back the matters to the below Commission to reconsider afresh.

09. During the course of arguments the Learned counsel for Appellants had submitted that, while passing the impugned orders the below Commission had failed to observe that, the said scheme was introduced by the Government which does not envisage payments of higher compensation which is more than the eligible entitlement amount to any insured, but the Appellants have already settled the eligible claims to the farmers as per the upload of the Payout Report made in the Samrakshane portal by the Department of Horticulture. The appellants have also raised concerns over certain discrepancy observed in the Payout Report towards the weather data in disputed notified units and subsequently a Senior level Committee was formed based on the recommendations of Director, Department of Horticulture, to examine the discrepancies in the data and they examined the matter and issued order dated: 31.03.2021 stating that KSNDMC is responsible for providing the data to the Department of Horticulture and in turn they shall calculate the crop insurance to provide it to the concerned insurance company. So contending Learned counsel for Appellants have prayed for remand back the above matter to the below Commission for fresh consideration.

10. In view of the above discussion and the submission made by the LCs for Appellants and Respondent No.1 and the statistical officer, commission is of the opinion that, the matter needs to be remanded back to the below Commission for fresh consideration. Accordingly the common orders passed in C.C. No.97/2019, dated: 19.11.2022, C.C. Nos.235/2020 to 288/2020, dated: 15.12.2022, C.C. Nos.290/2020 to C.C.No.343/2020, dated: 21.12.2022, C.C. Nos.351/2020 to 353/2020, C.C. Nos.355 to 360/2020, C.C. No.05/2021, C.C. No.11/2021 to C.C. No.18/2021 & C.C. No.35/2021, dated: 13.01.2023, C.C. No.02/2021 to C.C.No.04/2021 dated: 02.02.2023, C.C. Nos.37/2020 to C.C.No.39/2020, dated: 03.12.2022 by the Uttar Kannada District Consumer Disputes Redressal Commission, Karawara, are hereby set aside and consequently the Appeal Nos.941 to 997, 1266 to 1341 & 1805 OF 2023 filed by the Appellants herein are allowed by giving direction to the below Commission once again to look in to the matters after giving opportunity to both parties to address their arguments and dispose-off the same within 03 months in accordance with law from the date of the order. No order as to costs.

11. The original Appeal order shall be kept in Appeal No.941 OF 2023 and a true copies thereof shall be kept in Appeal Nos.942 to 997/2023, Appeal Nos.1266 to 1341/2023 and Appeal No.1805/2023.

12. The amount kept in deposit by the Appellants shall be transferred to concerned District Commission for needful.

13. Provide copy of this order to the District Commission as well as to the parties to the above Appeals.

           Sd/-                                      Sd/-                                   Sd/-

 

LADY MEMBER         JUDICIAL MEMBER             PRESIDENT

 

KNMP*

 

 

 

 

 

              [HON'BLE MR. JUSTICE Huluvadi G. Ramesh]  PRESIDENT 
        [HON'BLE MR. Krishnamurthy B.Sangannavar]  JUDICIAL MEMBER 
        [HON'BLE MRS. Smt. Divyashree.M]  MEMBER

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Reliance General Insurance Co. Ltd vs Suresh Ramkrishna Hegde on 3 May, 2024