State Consumer Disputes Redressal Commission
Jose C Kutty vs National Insurance Co.Ltd on 20 June, 2005
EEFGRE '§'§~'iE: EQARBEATAKA $'E'.¢@_x.'E'E',; CQN§"%E3MEl?é'; DISPEJTEE §*7iE§3R§'2@@AL €3@i'%~='§3%'§Zi$8I€.§1'*s3, EAN%_%L@RE. D&'§'ED : 20 36.38055- PRESENT : SM'E'.,R£§.M.a% ANAMTH : $R_'LJa§§n§aR}N§VA§:3'«§§ MURTE-E'? : MEMBER
APPEAL 333$. £%3.$;/Qflflfi
1. Jose. C. Iiutty S10 Mat11eW, R / 0 Mathew'S G"8Id€]l, N61111: Kemalje Post, . . .. .App€:11z~:a.'n.*¢/ 3 (By E'a11ri/ S111': 1{1ii.s1111a111o:31"i§; D 35 P.T.Pa11di'£) ~V€:1*s~;us~
1. National 1:3;saura11ce:% {,'.o.L4:d Braaacll {)ffi<7€:
K1"is3h11a B11fl(1§11g Main Raaci, Suflia, D.ji{.
.....Res;po3:1d.em:/ 5;
{By Shrif Smt C: Iviahzzsil} QRDER $MT. & .z'32x§*L'%.'§'fi"i!:'E-E, MEMBER This is all appaaal fflfid 13f; T.h<: ccsm.p1a.ma11t agai;:.1sa"t the. o1'<:3..<:'.:r clafiisd 11.0'2:.i2GC:E3 3113. co131p1ai31t. N0. 4»OE>;'19'§)8 passe-d 1:17; tlm BF, R/1;. 1ga1o1*€. by Wllich. fly: Complaijlt fi§€C1hbj{' '£116. Comp'1.aj1":a3.1'§f. '\'\7E1:T~} dismissszid viith @331'. of Rs. 1258;' u The of fl.1€?. comp1a3'11a11t lsefom 'she D17' was T:11aH3ei3.1g :2-1 Qwncr of Mahjiladxa :.-.T<--7.:--::p '%3€:a:ri3;3.g R€gis't.3:a'tion. No. RA '.2 1 I\/14%-384, 116 had illsured, "€116 said veizicle Wifll the O}? lllldél' 1;><;»1ic:}=' No. ' 602310/97/<E»1C){}54«6 for '£116 pezieté fr<;>13:: 02.07. 1.997 to O1.()7.1_'_9€7)8. On 13.04.1998; t13_e saicl Jeep inst Vfiifll an acr:id.e:n.t and stlffczred. h(:'.aVfy' darlags-.. Th.fi1'E,'.af'CC1' Tllfi Comp1aj31a11t got. 't:h.z;?. Jerap 1'r3p.a.i1'm§1 at Thfi Kar1:a"i:aka Agaxieics, who is £3.16. a.u1'11o3f3L7:€.d 1'<3.pa1irc-:1', a;ft.61"
1'€.po:"ti11g fl1,r:t said i3;1cidc~:11":. :0 '$115 Suliia P<3;1is;*t3 E§ta_t3'.o3:1. za.11.d ':0 the OP Company, for which he: had spezlt 78,167] ~ for file 1'e.pai1fs. Tim.
2 z='a.E\?0.318f2003 co::31p1ai:z1a11i had pl?-aclucacl all '$116: .m3c€ssary' d_oCu:11e11wf.s to '£115: OP in 01*de1" to settle his; claim, but this OP 1's:*.pL1.c1i5:Ltec1 the C1ai11.1. Wi'd1o'u't any valid ground which a111ou113;:s to Ci.(~:fic:'u::1cy in rsezmricre on H16. part of The OP. He11<:e, this co111p12d11t "bssfore 'the DP ssziekiug d.:i1'€.Ctii.o11 to GP to pay Rs. 78,167} -- towencls the cost of 3;epa'u's with i;1;11'€1'es1: 20; 2 10/5 13.3. froxu 'I116: dais of a<:<:id<:t11'£ 311d Rs. 34,8£?>8/ -- 't.owards r:o11:13e.:3.sa;f.im.1 anti cost to the c<3n1p1a1'11a31't.
3. OP had fled its V:-.1"si<:a11 and Co11t€:3:1.dec1 that 'the: S1.11V(')yO1I' had r€ve.al:3d in his repo1*t. tllat. file Vehicle was plying 011 hiff'. fmm omit EVIL Y£~:fla1111a gowdafs 1'€:3id€11ce to 811111.;-1 I\/Eagrket along v,>'i1:h a1'eca11u"£ cash6W11u'r, for sale: At T1163 'time. of accidmit Yxj::11a_n.::1,::~3. gowda aad 111$ C11.i1Ci.1'€11 W€1'€. '£1'av::é1:i11g in '£}3.a vehicle. H1 is f'"11.1'i:1in:t1.' CO11'f£?.§'.1d€d fllat '£116. drivfii' akao zcszvealsd b€;*.f<)1'€ the poiicra that me ve11ic1€ Wars p1}7§11g on 11111-3 of Rs. 175;' --. The w3.11ir:1e was i11:surc:d. undel' private car 'B' Policy, but plymg Thfi. JEEP for 3.111%: at 11:10 timc-:
of €116 accidextci. Whicil a_mou11ts. to vio1a'i:io11 of the policy co1.1c1iU'.o:;1s.. Henctsz, '£116. claim was 3:ig11'£1}-* 1'r;*pudiated and 1'eq1_1r:-.s1iec1 for c1i€nn.:§s$a1 of the complaint.
Aftex' quo'ii;1g various d€CiSiO11.S of NCDRCL, New Delhi 331d. the SE§i'.a.t<3. Coxzlmizasion the DF has dismissed the complaint. on 3:119. g1'ou:z.1c1 that the: comp1a_ina11t had 110": proved. '£31m t11{31'e. was d.€.fiCi€.13_C}; 1333. :s€.1"viC€. on 11336 peuct 0f the. GP in 1'€p1.1diat:'u1g his claim.
5. Bi-::i33.s:f a<>'<>V1is:-wed b r '£116. said ordez' of the D17 The. com ':»123:i.11a.m'7.
a: tab .
haa ffled fl1is p1'€se11"'c appéal before us.
6. In 'Q1313 appéal ma ht-tarcl the a1'gu1ne1,1ti«: of LC: app€a1'€.<:1 on 'behalf of the app€I_a13.t. T318 r€~:~:po11dz311t 1"€.ma3'11ed_ a.bse.11.t. T 1?1.€1'E:'.
110 1"€.p1'€$r5.nta'tio11 on :'e.s3po:1c1e:3.t's side.
7'. The, LG for the appeléajxt. has subm.i'!:"Lisc1 that {hrs Y~?:]3..aV33.11efaL Gcawda and his chi1€a.r€11 Wsaxwti bfiillg car1'ir::d in '£116. J 65:13 f1'€e of cost aJ.1x:§ thsir Jafip Wag 3.101; 1136:}. to C£":13_'1"_'\_/' pa3s€:11g€.1'::a or goods for }.1.i1'c:.
3 ;--\.No. 3 1 8/2003T116 appi-flail': e31tit1e.d to gait. his claimfid. a111ou;m; from ::he 1"€:sp011de11.t c<Jmpa11y. But Without 2111}? valid 1"eas0:n.s 'tin: 1'espo';j1.ci,6:m:
<:0mpa11y has 1'€.p11r1iat.ed his claim. Hence 116 1'c:q17u3s"1'<3C3, this commission to Set asick: this ordar of the DP euld allaw his appeal.
8. It is 2111 aclmitmd fact "£113: '£116: Vehicle was i11.su:n::d 1111Ci.E1'
- p-ivat<: car 'B' Policy. The ,<3ta1'.eme11'£ of 'tbs:-; cixfixiex' br:fo:'£*. the police revealecl that the velficle was plyislg on hire of Rs. 175/ --.
9. T116 statemeim of Y+31]ia11na Gowda 1'e.co1*ded. by R.'W.'2.
J&:;'81'8l11. Cs'-owda an 1:1su1'a11c€ E~'»u1*veyo1' in his 1"e:po1"1: 1'e\/ealttci. 'i'.}'(3E1.?;. Yellialtma C':owc'§_e, appea1*s "£0 have stated that 116 had ctzngaged. tjim. siziajeiict Jeep for hire of Rs. 175/ ~ to ca1'ry a1'€Ca11u'f: 811d c:33}s11ean713u1:&s from his house to Suflia Market for 5336. He. has &1c1miVt.tc:<ji, the said. fact du.1*:i11g his c1'oss.--c:Xa1:a.i11ati011 as C..W.2 and he has :{'3ied. an affidavit to 'iihat effect T115 1'11,ves'£iga1:o1', Jaya1'am Gowda 111.333 ifil.<:".(.1 his affidavit in Support of his co11'£e11tio11 flzaii 112.6 vehicle was plying for hire at the '$3116: of '£1143 acc;idc:11t which suxlouzlts '£0 v7;<3a1221'tio:¢.3, of polio}; co::1('1i'i%i<:s115_~: mm? he was Eillbj-Eciéd to c1'os:3~exzu31i11::Ci T136 app:3l1a11'£.
10. Af'I€:1' c0:1.Sic1:3:1'i11g '£11636 above. facts We c>oiu1c: to ixha <:o11C1usi<311 1111a': 11011 S€'1fli11g of the claim 1111111611' thr: pcifacy cé<;:11I'1(f'; ;:"10':; b6 due to ckrfizéiézxcy in €s.e1'v:{ca or 11r:glige:i1ce. T 3.16 a.ppe3lm1'i' }.1a:s failefi '£0 <istab}is11 11315,: case. T1163. d€cis.:io11 :'r:.7.1c1e1':id ':33' ihs: DP pay its impug11L=.d <31.'a*?n:%1' is p3;op<31" smd c:o1':f«:éCt. We 110 1'Ca_c~:.o11 '£0 i3.1'a':1'f€1'e Witll 'Q16 01'd.C--.1' Of fllii DP'. This appeal has to 1156 dis111iss<E:d_. ACcorc1i11g1y it is diszzaissacl with no o1'd:3:1' as to costs.
QREER Appeal is diss1::1issed.
MEMBER