National Consumer Disputes Redressal
Dinesh Kumar Gupta, vs Icici General Insurance Co. Ltd. on 26 May, 2015
NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION NEW DELHI REVISION PETITION NO. 2058 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. MANSINGH S/O SHRI DUKHIT BELCHANDAN, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2059 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH
IA/5271/2014,IA/6160/2014 1. UPENDRA KUMAR DESHMUKH, S/O SGRI MAHAVIR DESHMUKH R/O VILLAGE-NIKUM,POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2060 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. DHARAM DAS SAHU S/O SHRI CHETAN LAL SAHU, R/O VILLAGE -NIKUM,POST NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2061 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. MURLI PRASAD S/O SHRI DWARIKA PRASAD, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL & DISTRICT: DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2062 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. MANSINGH S/O SHRI HOLKAR SAHU, R/O VILLAGE-NIKUM, POST NIKUM TAHSIL & DISTRICT :- DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2063 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. SHATRUHAN SINGH BARLE, S/O SHRI SUKHRAM BARLE, R/O VILLAGE-NIKUM,POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2064 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. UPENDRA KUMAR DESHMUKH S/O SHRI MAHAVIR DESHMUKH, R/O VILLAGE-NIKUM & POST NIKUM, TEHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2065 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. SUNDAR LAL DESHMUKH S/O SHRI SHEBHUDAYAL DESHMUKH, R/O VILLAGE-NIKUM, POST-NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2066 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. DINESH KUMAR GUPTA, S/O SHRI HAJARI LAL GUPTA, R/O VILLAGE-NIKUMM POST NIKUM, TEHSIL & ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2067 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. HARICHAND DESHMUKH S/O SHRI MAHAVIR DESHMUKH, R/O VILLAGE-NIKUMM POST NIKUM, TEHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2068 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. MADHAB PRASAD DESHMUKH S/O SHRI PRASAD DESHMUKH, R/O VILLAGE -NIKUM, POST NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2069 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. P.S SUDHAKAR S/O SHRI RAM JI, R/O VILLAGE-NIKUM, POST-NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2070 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. SURENDRA BELCHANDRAN S/O SHRI YASHWANT BELCHANDAN, R/O VILLAGE -TIGRA , POST NIKUM TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2071 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. CHANDRABHUSHAN DESHMUKH S/O SHRI JAIJERAM DESHMUKH, R/O VILLAGE-RUDA, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2072 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. MADHAV PRASAD DESHMUKH S/O SHRI ISHWARI PRASAD DESHMUKH, R/O VILLAGE-NIKUM, POST-NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2073 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. DASHRATH DESHMUKH S/O SHRI PYARI DESHMUKH, R/O VILLAGE-KHANDA,POST NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2074 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. DILIP KUMAR MARKANDE S/O SHRI DEHRU MARKANDE, R/O VILLAGE-NIKUM, POST-NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2075 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. TOP SINGH S/O SHRI LEPSINGH AMRIT, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL & DISTRICT C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2076 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. NILENDRA KUMAR SAHU S/O SHRI RADHE SAHU, R/O VILLAGE-NIKUM, POST-NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2077 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. MANSINGH S/O SHRI GANESH YADAV, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2078 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. JHUMUK LAL BELCHANDAN, S/O SHRI TILAM SINGH BELCHANDAN, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2079 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. SAMODHI SAHU S/P SHRI SUKLAL SAHU, R/O VILLAGE-NIKUM,POST-NIKUM TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2080 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. DIPAK KUMAR DESHMUKH S/O SHRI DWARIKA PRASAD DESHMUKH, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2081 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. CHHANNU LAL YADAV S/O SHRI THANSINGH YADAV, R/O VILLAGE-NIKUM , POST NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2082 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. CHOBA RAM BAGHEL, S/O SHRI GHANA RAM BAGHEL, R/O VILLAGE-AAMTI, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2083 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. CHIMAN LAL DESHMUKH S/O SHRI JHADU RAM DESHMUKH, R/O VILLAGE-NIKUM, POST, NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2084 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. ASHWANT KUMAR SAHU S/O SHRI MOTI SAHU, R/O VILLAGGE-NIKUM, POST-NIKUM, TAHSIL 7 DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2085 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. DHANUK RAM NISAD S/O SHRI BUDHIYAR NISAD, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2086 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. PRAHALAD DESHMUKH S/O SHRI NANDURAM DESHMUKH, R/O VILLAGE-KHANDA ,POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2087 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. JAMWANT SAHU S/O SHRI NEMRAY SAHU, R/O VILLAGE-BHOTHLI, POST-NIKUM, TAHSIL DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2088 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. PURNANAND SAHU S/O SHRI BHAGWAT SAHU, R/O VILLAGE-NIKUM, POST NILUM TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2089 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. BHUKAM LAL YADAV, S/O SHRI BHAGWAT YADAV, R/O VILLAGE-KHURSIPAR, POST NIKUM, TASHIL& DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2090 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. BEER SINGH SAHU S/O SHRI BHUNESHWAR SAHU, R/O VILLAGE-NIKUM,POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2091 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. RADHE NISAD S/O SHRI SUNDAR LAL NISAD, R/O VILLAGE-NIKUM,POST-NUKUM,TAHSIL & DISTRICT: DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2092 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. NIRMAL SINGH SAHU S/O SHRI THAKUR RAM SAHU, R/O VILLAGE-NIKUM,POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2093 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. SANAD KUMAR DESHMUKH S/O SHRI SAMARU DESHMUKH, R/O VILLAGE-NIKUM, POST-NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2094 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. MILAPDAS SAHU, S/O SHRI JHUNU SAHU, R/O VILLAGE NIKUM, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2095 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. RAMESH MESHRAM. S/O SHRI BANPALI MESHRAM, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL& DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2096 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. GAMBHIR SAHU S/O SHRI DWARKA SAAHU, R/O VILLAGE-NIKUM,POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2097 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. JAYALAL SAHU S/O SHRI HALALKHOR SAHU, R/O VILLAGE-NIKUM, POST-NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2098 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. PADUMAL YADAV S/O SHRI SHIBHARAM YADAV, R/O VILLAGE-NIKUM, POST-NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2099 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. MANSINGH ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2100 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. HEMANT SAHU, S/O SHRI RUPSINGH SAHU, R/O VILLAGE-NIKUM, POST-NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2101 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. SANTOSH CHANDRAKAR S/O SHRI LAKHAN LAL CHANDRAKAR, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2102 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. SHIV PRASAD KURMI S/O SHRI AJIT KURMI, R/O VILLAGE-TIRGA ,POST NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2103 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. HEERA LAL KURMI S/O SHRI RAM AVTAR KURMI, R/O VILLAGE-TIRGA ,POST NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2104 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. DEENDAYAL NISAD, S/O SHRI JANU NISAD R/O VILLAG-KHANDA, POST NIKUM, TEHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2105 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. MANSINGH S/O SJRI DHANESH SAHI, R/O VILLAGE -NIKUM, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2106 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. JAWAHAR LAL DESHMUKH S/O SHRI DURJIAN SINGH DESHMUKH, R/O VILLAGE-RUDA,POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2107 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. NAND KUMAR SAHU S/O SHRI GAMBHIR SAHU, R/O VILLAGE-RUDA,POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2108 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. HARISHCHANDRA SAHI S/O SHRI NAND KUMAR SAHI, R/O VILLAGE-RUDA POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2109 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. LALIT KUMAR DESHMUKH S/O SHRI KALYAN DESHMUKH, R/O VILLAGE-RUDA, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2110 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. JITENDREA KUMAR NIRMALKAR, S/O SHRI DEVSHARAM NIRMALKAR, R/O VILLAGE-NIKUM, POST NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2111 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. DUSHYANT KUMAR BELCHANDAN S/O SHRI GANESH RAM BELCHANDAN, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL& DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2112 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. RUPLAL S/O SHRI BALRAM GAJGHIYE, R/O VILLAGE-NIKUM, POST NIKUM, TEHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2113 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. CHURAMAN SAHU S/O SHRI SHRI SHARAWAN KUMAR SAHU, R/O VILLAGE-NIKUM, POST NIKUM TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2114 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. CHANDRAKANT SAHU S/O SHRI SUDHE LAL SAHU, R/O VILLAGE-NIKUM, POST NIKUM TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2115 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. LOKESHWAR SAHU S/O SHRI BUDHE LAL SAHU, R/O VILLAGE-NIKUM ,POST NIKUM, TAHSIL 7 DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2116 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. DESPNARAYAN YADAV S/O SHRI CHANNU YADAV, R/O VILLAGE-NIKUM,POST-NIKUM,TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2117 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. GOPENDRA KISHORE S/O SHRI PYARE LAL BALCHANDRAN, R/O VILLGE-JHOLA POST-NIKUM, TAHSIL & DISTRICT : DURG RAJASTHAN ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2118 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. GOPENDRA KISHORE BALCHANDAN S/O SHRI PYARE LAL BALCHANDAN R/O VILLAGE-JHOLA,POST NIKUM, TASIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2119 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. GAJANAND DHANKAR S/O SHRI RAMHU DHANKAR, R/O VILLAGE-ALBARAS, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2120 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. FAYENDRA CHOUDHARY S/O SHRI BHAW SINGH CHOUDHARY, R/O VILLAGE -AAMTI ,POST NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2121 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. SAHDEO S/O SHRI WAKIL SAHU, R/O VILLAGE-AAMTI POST NIKUM TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2122 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. TOKESHWAR SAHU S/O SHRI DEVLAL SAHU, R/O VILLAGE-BHOTHLI ,POST-NIKUM, TAHSIL & DISTRICT- DUEG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2123 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. MAHENDRA KUMAR SAHU S/O SHRI PREMLAL SAHU, R/O VILLAGE-NIKUM,POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2124 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. PURUSOTTAM CHOUDHARY S/O SHRI INDRAMAN CHOUDHARY, R/O VILLAGE-AAMTI, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2125 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. DOMAN LAL GOND S/O SHRI GHIRAJI GOND, R/O VILLAGE-AAMTI, POST,NIKUM, TEHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2126 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. NARENDRA KUMAR KURNI S/O SHRI GUHARAM KURMI, R/O VILLAGE-TIRGA ,POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2127 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. BHAV SINGH CHOUDHARY S/O SHRI LAXMAN SINGH CHOUDHARY, R/O VILLAGE-AAMTI ,POST NIKUM,TAHSIL& DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2128 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. ROMAN KUMAR SAHU S/O SHRI GANESH RAM SAHU, R/O VILLAGE-AAMTI , POST NIKUM, TAHSIL & DISTRICTY : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2129 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. GOPENDRA KISHORE S/O LATE SHRI PYARELAL BELCHANDAN, R/O VILLAGE-JHOLA,POST NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) REVISION PETITION NO. 2130 OF 2014 (Against the Order dated 28/01/2014 in Appeal No. 783/2012 of the State Commission Chhattisgarh) WITH IA/5271/2014,IA/6160/2014 1. ROMNATH SAHU, S/O SHRI PATIRAM SAHU, R/O VILLAGE-NIKUM, POST-NIKUM, TAHSIL & DISTRICT : DURG C.G ...........Petitioner(s) Versus 1. ICICI GENERAL INSURANCE CO. LTD. THROUGH CLAIM MANAGER, STATION ROAD, ABOVE INDORE BANK, DURG, TAHSIL & DIST. DURG, PRESENT ADD. SHANTI NAGAR ROAD, DEVENDRA NAGAR, VANIZAYA BHAVAN RAIPUR CHHATTISGARH ...........Respondent(s) BEFORE: HON'BLE MR. JUSTICE D.K. JAIN, PRESIDENT HON'BLE MR. VINAY KUMAR, MEMBER HON'BLE MRS. M. SHREESHA, MEMBER For the Petitioner : Mr. R. K. Bhawnani, Advocate For the Respondent : Mr. Vishnu Mehra, Advocate Dated : 26 May 2015 ORDER
1. In the rainfed areas of agriculture in India, the farmer finds himself completely at the mercy of the elements. Survival of the crop is crucially dependent upon availability of the requisite moisture and ambient temperature, all through the agricultural operations from sowing to harvest. Fluctuations beyond limited tolerance levels, almost always prove fatal to survival of the crop. Even when the farmer is lucky with the quality of the seeds, pesticides micronutrients and other inputs, the growth and yield can still be destroyed by a long dry spell, temperature variations or excessive rain and flooding. In this background, Government of India and the Government of Chhattisgarh brought out an imaginative scheme under the caption Pilot Weather Based Crop Insurance Scheme for Rabi 2008-09. The notification issued by the State Government on 22.10.2008 gives details of this scheme. Being a Pilot Scheme, it is meant for a few crops and a few Districts only. Benefit under the Scheme is limited to non-loanee farmers. The Scheme is designed to be implemented through OP/ICICI Lombard General Insurance Company Ltd.
2. The Scheme is for implementation on area approach basis. Insurance premium for the same is to be borne in equal proportion by the Central and State Governments. Assessment of loss is to be made on fortnightly basis for damage suffered due to variation in average temperature and unseasonal rain. Under the Scheme the OP/ICICI Lombard is totally responsible for establishing and operating weather centres for monitoring of the temperature and rain parameters for the purposes of determination of loss.
3. The matter in these 73 Revision Petitions before us arose from implementation of this Scheme in relation to wheat crop in Durg District in Rabi 2008-09 crop season. Complaints were filed before District Consumer Disputes Redressal Forum, Durg alleging that neither the claims were settled nor the details of temperature record relied upon were shared with them. Therefore, the Complainant had relied upon the data obtained from Indian Meteorological Department (IMD). Durg, District does not have an IMD monitoring station and therefore, temperature records of IMD Raipur for the period 1.1.2009 to 31.3.2009 have been relied upon by the Complainants. As per the Complaint Petition, daily variations in increase of temperature, as compared to the bench mark figures of the OP, are higher than the figures relied upon by the OP/Insurance Company. It is alleged in the complaint petitions that the OP/Insurance Co, has provided a 'manipulated chart and shows by lowering the low rise in temperature'. The Complainants had therefore prayed that insurance claims should be paid as the policy condition of rise in temperature in this period is fulfilled.
4. In response to the above allegation in the Complaint, OP/ICICI Lombard General Insurance Company filed a very brief and non-detailed Written Statement before the District Forum, which reads as follows:-
"The Non-applicant ICICI Lombard General Insurance Company submits written statement as under:-
That, as per the statement of para 1 & 2 of application this applicant is having weather policy, policy no.407183 effective between the date 01/01/2009 to 31/03/2009 issued as per terms and condition of policy for which applicant insured had paid Rs.1260 to Insurance Company for 20 unit purchased at the rate of Rs.63 per Unit. The non applicant denies that on increase of temperature the compensation of Rs.3750/- is to be paid and also denies the rest statement in the absence of information and documents the applicant himself have to prove by present authentic documents the application had not qualified for the compensation as per terms and condition of policy hence the claim denied. The non applicant insurance company has rightly rejected the claim is not giving any false statement and excuse for non payment of compensation.
That the statement of para 3 and 4 is denied in the absence of information and document. The applicant himself have to prove by presenting the evidence regarding the statement. Non applicant company had rightly rejected the claim on the basis of the terms and policy of weather Insurance policy the applicant is not qualified for the compensation and this cannot be treated as deficiency in service by the company.
That, the statement of para 5 and 6 is denied in the absence of information and document.
That, non applicant denies the statement para 7 of application that the Non applicant has rightly rejected the claim as per terms and policy of the weather insurance policy the applicant is not qualified to get the compensation amount.
That, the statement of para 8 is regarding jurisdiction and is legal matter so no need of reply and else matter reply is as above. Non applicant denies that the non applicant had not replied to the applicant advocate legal notice.
That, the statement of para is of legal matter no need of reply.
That, the non applicant reserve his right for making any amendment in written statement and for producing any document or evidence at the later stage.
It is prayed that the complaint may kindly be dismissed."
5. The above response admits the basic parameters of the policy and the details of insurance obtained by the Complainant. But significantly, it carries no response, except bland denials, on other specific allegations made in the Complaint. The written statement does not even explain the basis of calculations adopted by it for rejection of the claims of these farmers.
6. The District Forum decided the matter on 29.11.2012, after reconsideration on remand from the State Commission. It has gone into details of the contentions of the Complainant with reference to the parameters laid down in the Scheme and held that average deviation of temperature, as per data of NCMSL Centre Durg for the Month from January 2009 to March 2009, was 10.05 degree which is below 11 degree HDD (High Degree Deviation) level. Hence, it held that the insurance company was not liable to pay any compensation to the complainants.
7. In appeals against the dismissal of the Complaints, the State Commission has examined the matter at considerable length. It has noted that it had earlier remanded the matter to the District Forum for consideration of the affidavit of Dr. Ganesh Ramamurthy, as the same had been filed subsequently in the State Commission. Dr. Ganesh Ramamurthy had filed it as Executive Vice President and Head T&C CWIG, NCMSL, Hyderabad. As per his affidavit the NCMSL has installed 15 weather stations in 6 Districts of Chhattisgarh including four in Durg district. All these stations are operational and data collected there from has been used in preparation of the temperature deviation chart from January to March 2009.
8. The State Commission has also raised a question about accuracy of the data relied upon by the OP/insurance company for rejecting the claims under the policy. It reads:-
"17. This Commission has directed the District Forum that the District Forum is to be decided whether data provided by NCMSL can be believed in comparison to the data of Weather Centre of Raipur provided by Regional Meteorological Centre, Nagpur of India, Meteorological Department. District Forum has held that weather data provided by NCMSL is more accurate than Raipur Centre.
18. Learned District Forum elaborately discussed in paragraph 15 to 17 and reached to the conclusion that report of NCMSL is reliable and according to the weather data provided by NCMSL, there is average deviation during the month January 2009 to March 2009 are 10.05 C, which is less than 11 H.D.D. It appears that the deviation in the temperature during the above period was less than 11 H.D.D."
9. It is in this background of concurrent orders of the fora below that these 73 revision petitions have been filed. As all these petitions have arisen out of a common order and involve common issues, they have been listed together for consideration. We have carefully considered the records and have heard the two sides. Advocates, Mr R K Bhavanani for the revision petitioners/complainants and Mr Vishnu Mehra for the respondent/ICICI Lombard General Insurance Co have been heard at length. The entire dispute revolves around the manner in which the claims of the complainant/farmers, under the Pilot scheme of crop insurance, have been evaluated and disallowed.
10. It is clear from their decisions noted above that the fora below have taken a concurrent view in favour of the acceptability of the NCMSL data, primarily on the basis of affidavit of Dr. Ganesh Ramamurthy and the terms of the agreement between the State Government and the OP/Insurance Company. But, interestingly, the NCMSL itself has put a question mark on the reliability of its data. While supplying the relevant data for Chhattisgarh Districts to OP/ICICI Lombard General Insurance Company Ltd., it has given a certification to the effect that the weather data being supplied are in accordance with the terms and conditions of the Agreement dated 25.5.2005 and the NCMSL had taken sufficient care to ensure authenticity of the data. However, the same document at the bottom carries the following disclaimer in very fine print:-
" Weather Data Disclaimer Quality assurance of meteorological sensors is a high priority of National Collateral Management Services Ltd. (NCMSL) Automatic Weather Station Network (NAWSN) staff. Transference of data to other locations involves some level of risk, which increases as the distance from the observation site increases and with the spatial variability of the particular parameter of interest, in accordance with the scale of the weather even being measured. The data user assumes all responsibility for this risk. Nevertheless, all recorded data gathered from instrumentation operating by NAWSN standards are considered as providing factual information on the weather occurring at a particular instance and location. These data will not give precise information on what occurred at a desired location away from an NAWSN site, but they do represent a sample of what occurred locally during a particular time period or weather event.
The NCMSL shall not be held liable for improper or incorrect use of the data described or information contained on these pages. These data, information and related graphics are not legal documents and are not intended to be used as such.
The NCMSL gives no warranty, express or implied, as to the accuracy, reliability, utility or completeness of this information. The user of this system assumes all responsibility and risk for the use of this server and the internet generally. The NCMSL disclaims all warranties, representations or endorsements, express or implied, with regard to the information accessed from, or via, this server or the interest, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or non-infringement." (Emphasis supplied) In our view, this disclaimer is nothing less than a formal destruction of the very reliability and completeness of the data on which the entire implementation of the scheme rests. More importantly, as insurance claims have been disallowed on the ground of a very narrow gap between the recorded and requisite levels of rise in temperatures. As per OP/Insurance Company, the recoded level, as per the NCMSL data relied upon by the Insurance Co, fell short by less than 1 degree as against the requisite level of 11 degrees. Mr. Vishnu Mehra, learned counsel for the OP has argued that the disclaimer is addressed to the user of the data, which in this case is ICICI Lombard General Insurance Co. It is not addressed to the complainants. We do not accept this argument. If the data is incorrect and under-represents the reality, the OP stands to lose nothing. But, the farmer will have lost his protection. His claim under the policy would be--and has actually been-- repudiated for falling below the requisite level.
11. In Agriculture Insurance Corporation of India Ltd. and Anr. Vs. Prahlad Singh and Ors. IV (2013) CPJ 425 (NC) a very similar Disclaimer from the same agency NCMSL, came up for consideration before this Commission. It was held that-
25. Thus, as per above Weather Data Disclaimer issued by NCMSL, this company has absolved itself completely of all responsibility with regard to the authenticity of weather data collected by it. So, no reliance can be placed on the weather data of NCMSL on which absolute reliance has been placed by the petitioners. Hence, in the absence of reliable weather data of the above company, we have to rely on the data of the designated Alternative Weather Stations, which are Sardar Shahar, Churu as well as weather data of Indian Meteorological Department, Churu for the relevant periods.
26. Thus, both the Fora below rightly rejected petitioners' total reliance on the weather data of NCMSL and after taking an overall view with reference to the weather data of the Designated Alternative Weather Station, accepted the weather data of the Alternative Weather Station at Churu for which detailed reasons have been given by both the For a below which we have extensively quoted hereinabove. Hence, we do not find any ground to disagree with their orders."
12. In the cases before us, Complaint petitions have unequivocally challenged the correctness and transparency of the data relied upon by the OP. The disclaimer, if at all, damages the acceptability of the NCMSL data even more. In the Rajasthan case cited above, this Commission took the view that the fora below had rightly rejected the NCMSL data and relied upon the alternative data from the IMD. In the present case, the Government of Chhattisgarh notification No.5873B-6/11-1/2008-09/14-2 dated 22.10.2008 has itself provided for the resultant situation. Para 12 of this notification read as follows:-
"Important figures related to weather insurance shall be culled out through Modern self-operated Weather Centres and other approved Weather Centers. I.C.I.C.I. Lombard shall be totally responsibility to get established and properly operated the Referred Weather Centers through National Collateral Management Services Limited (NCMSL) or any other competent agency." (Emphasis supplied).
Thus, there is provision for reliance upon an alternative competent agency. This has been overlooked by the fora below. Therefore, we hold that the claims of the complainants should be decided on the basis of the nearest IMD data of the relevant period. Admittedly, this data is available for the January-March 2009 period with IMD, Raipur. Consequently, orders of the fora below are set aside. ICICI Lombard General Insurance Co. is directed to settle the claims of the petitioners/Complainants with reference to the data of IMD, Raipur within a period of three months from the date of this order.
13. Before parting with the matter we consider it necessary to place it on record that during the course of hearing of these revision petitions we had raised certain questions aimed at complete appreciation of the optimal beneficial potential of the Pilot Weather Based Crop Insurance Scheme for Rabi 2008-09. Towards this, respondent/insurance Co was directed to submit in writing answers to the following questions--
As the NCMSL data monitoring centres have been set up very recently (post 2008), what is the historical data relied upon to determine the Benchmark for maximum temperatures adopted for the six fortnights of January March 2009 period? What is the basis for determination of threshold levels in this Scheme. How are HDD level of 11 degrees and the exit level of 31 degrees determined? How many times has the HDD level of 11 degrees been crossed in Durg district in the last 25 years, in the relevant January-March period?
The answers received carry very little substantive content. The Registrar of the Commission is therefore, directed to send a copy of this order to Chief Secretary, Government of Chhattisgarh to enable the State government to evaluate whether the Pilot Scheme , as implemented so far, has served the purpose of providing substantive relief to the farmers who have suffered crop damage due to abnormal variation in seasonal temperatures.
14. The revision petitions are allowed in the aforesaid terms. No costs.
......................J D.K. JAIN PRESIDENT ...................... VINAY KUMAR MEMBER ...................... M. SHREESHA MEMBER