State Consumer Disputes Redressal Commission
Icici Lombard Gen Ins Co Ltd vs Madadnsinh Kheti Niyamak Shree on 30 August, 2013
'P TEH .. .='%*:E':TR ""L'i5"%~?:
ES:;§.fi%.L Ci} M M H - :'s:§ mg, C,';'.a;s::\.~a'§'=.-%.:';;3::'a3 H.' "~%§'1wa3s' .$xi%r's%£=.{ia:§$aé _ . §3.§}'3gT3~£§§§£:'5§'{§I.
--i3*;e.s_:.§s0n.dasn.t':a 442 '3.
§M:r,. "'¢'..%?.. zaég' ,1 '21. ~53' ' §£E§* {ma $Eg21¥[3E'2E§ES§'3§ we-'. ,:'-s,;:i».«_~s;3;;;m,»':: "ms" 'Cm §?.<:=v.r'.».**.c,g;§i;e~:§r':_;~;m=:"
tI§mt~ER: »-:£:'=3_;-- V;§'»V,-s-e:'>&;:i T'-"?1§§e".f?s.§l+x'~1,*?':;'i ~ cw?
3%-m§;:§'&tah;=ai F>'%s<§'n=s ax-«-'Em s':s3m_;:s.§:s~:'3.rzé,: the FE-'¥"'L3.?'t", ,1.
'i :;::«a;:*>:E«z:s £:.fjn3£:§'?'f\§\»'i§£:§ 'me m':2:':a:§'z:is*'.-i~;*; by §:ia§€:'~.d +§§..3E;.'»§{3.1-{T3, sf ta: naé cf the >:'ha&'.t~3m$§--ai*:xa:s1t' ?'§LdEv§3:sE$.r31d E3arhza§:_:;::a§ r»'!s<.=dr§.;«:
§<i?':e::a_-*§;E:r»L*.i§'>:.s' kirasaeiasxi, 33:1 amzi we to £13' ::3;*:.s2 £}'§m::§<§ar ca" .fi..qs"i-:as§tu:':§, ft}: f_'r:x..="1.='~.&'a-::s"::'3'"§'-=*:s.gs zwme:
W3?" Em zspguanrant i:2fi$i§r'am';:a§ H<.xnm-3..
;:_§::;¢jg_;_:;rm3n%_»3 .g~m»:§_ _e:.;;.-..a.t'i«:sr1;;: £37; mg %re=sp-ectiwre arm?
.:~',j'rj'.:;%z-air' af the irisit Exam'.
4'» was fix,-r' thézé Idi. §.jx°.',5"\.*'i§C»E3r'L&¥ ms-z mas: "':j£'§.+;=3s's'E gé: Qvccmrssd 1E.§3..'3'?.E£3&'1f$ 'Em .~::::m;:,§a;smt 'Ea:
.'>:?:zt:s'Lm': an 's«*x§§f§1 tmz :?§E&r:J tme 53-€:'.P'z§€3-£3 of E.§i:+r:i%* the it-m--r:-:_;:&?;a;§rn§ 5'-A +:~;x:
m§Em:§ fiawn by ma §':cxr3i:mr.ai3§%e3's.,::>:§rts; wa-
- n.. .. H ~ .. ~»\ .» .-".~,- 3, 4 Q ':-5';'- ""_,{ -"'._~;',2 'E mzsr V .t.'a~<»-':;:<aA::s~ t.§1§s; mmpgasrxantj. ¥§<;w', i:3Q.$<=ms::> the <2'? arm
--La>ssn&;'§2s':*£ S-e:'§§=r's'*i MR3' 3-Vfia »~*'95,§3'-"kiwi?
.w:;fm3ci iike ' "' ' 0 "1 TB 46 4""
'1' fit?
&4/3 C V22.
4 /V 3 Z?' .3 1''?
CI?
( 5%' 7 ;
{3} 33'"
. 3 {II "1
-'-.3?' 15:3 En?
U :5 .5"
C} ff}.
{I E} s .gu.Q~ (Ck.
. 'béatésmai in Effffi {§'.>C§f:. 1;} <..;¥3;§ {Ni} >.°~s'.Z.'.:ss'§s« i'.§'11":t ¥?+:'JZ¥'_'=E:'+>1-.E3"f' _fix-'giréiéf .\ ..
F.€_.agi'"ia'~.;*a§§"':-"&rC--e:ss'.fipé$n;3:' §'$.3tif3'.$'.h%§ Eswsurarxce *:t:3r:':~'>aI51:'>~* 3 ';:¢:;s-1-mi HI E1 CF} {k':«1£;§ and 3:' Emma >ss_:¢ E1 wm:§::' fafii -03? the ffii '~.*--
.""'r P."
.,_x_.« )6.»-
43'"
Z.» ms c;ia§r3*e: £z:'€§*:=3'§"
!;'r&ada§ ' ::n.;m~ame '41" Er: :2 daitfi €3?"ii'~fi3i3'€:%> ism
- '3 E?' fE:iE'w£i§'3§E§»'i§ '1 ' 53%:-*s_~s::t§.'s;r daaath ::':'md2.':' _ 7 51,5: (1 3:3. :31? ' a xiii \-'.\!'§ 1 :"§'1.3 K? '>i§ *3": £3'. -('E 3° ';"h5 V "
'£".::3m;:2a:.r7:~_g' us' ":,:§:§3§.'i'fi . fiw} .5..,,.
Qw-
,~'A"-.
.54/«¥ ~._.-4-4 £3 s.~=me§'e 'is; §"E_j&}?§3§'£*:€i. bye' am i-i{es!s;;§<>racia3n$;-"Er:sur§m=::e -3*-s<E-- U? an _a f's"a:s':,'s*s §E.°1~>:~.~. cfiam 121$ :§L§:';'h r_&§eCt§<:zr;. E3 A' 0%' tbs: 3&3:-:m*-2 r»:¥'e:w--e\c,.4 icsws §'*::;r\;z:sus*'ait2~%»s: §'>$atis::s:=e=;z§ as Ceiu'-'r':mi:-:»S:§s:<r's. fies {'7 :3?' ziiiil ?.§"£§i* \ fI3::" tiw It mini w §rs::Lsra=ms::»:'=. e;t:a::m;3ar'n.e" the c:mn_a»éz§i:mnt :"§-*5-ii fkacus 5:m..,=:°:':'..-*' fa s:+0;<'np.€s':si'.s*;.t.. ¥$;am':.='m<=" .3 w.ét§*: $.§'w3 :3? ACIm'm~. n-tzi' tn r;t=;::m3:s§s:rs:_ 'hve?o»r:~:< crzxmgx-am-<, r'.'<::r' >.-'x='§'1i.%:::b §¥§}§§i?§a"E££3.'§iT w3_'iE»§:d an E '. F~'»s2:§'?:.%m: :3?' C3t',i3'a','.§EIi§i'_i E33:
<§E'§ .?<% App-aai ?»§§.v.1{§T".E3 ZEEEEE E3?
'.-t.
€51.
H. g..;
5-4' U1 'if;
7 '1
98.) CZ':
§,m§§i.':::s--n the:
i§F."1§§.~f3"""' f.°' ' ' of am i:.a:)n:2sumer $
-1%: ;::;':m'._'E'~;.-" p.:~a'is3 am? ;>.a=:*:§"~g' car any mi' \
-.r:am:E any b£?3r1e:f7iCfi'a:":s' Q'? smséx Agew-"ii:»s::s than thss w'§"'§i:'$~ -:12?' 'téha seeaw--ms js"a:a.r -=::::'q"is;.«;-i':i=:=.e;s'; " 'ss:.r:.«s3r2 s1u::':*. are 'with ti-ass apprwsaié r'{':1E;?'{E".§&:sr}£2sZE3 gem";-wn_. As as {ems :s3::c;e:*m=:=:fi_,. admiitéaiési {§:3ji§r;a:: fmaiiazci -§a%:~e';m3 §<.r'--as:3w:*; ax: ".\*"<";-.':a=f'=~:r*;:a2a=~' f~<;";";*z$:'s:*°é_.-*3 %a~iI-im.3 i;'r'?,*-jV,.=ir?:f..§4*""s.~*s'E§§*:~: 111$. aim §:§F«§i*1v:""'£'Li§:7':i :r'%§e::u;§1::m*ai $971 mi' Tha s:;::sr:Vs'si;::;?:&.~°:;*:.~*:'t'ia:eAs":= :s"':.;ami§%$ ggws-s:w§;ia<§' in;
lg-,, they s;::i§en:£=;. w£1§1z:.?:: ms ysrzgw.-€.«:1'a::.ti "r§°s§3§'.-*;. :3? sifiufia The --ca;:r:":.§sé;=§i'::-amt 'Ea:
Ema 'm«g:.=;::<::":--::s:_m€ --p:r':w'is3l%23:r :15' §:s.=:wsc§3 :?«m;:h _:€3§3s";$€i§ by :éns:..s.mm:-ax r'm1;a«an*3-€ W mi 3.-'mm :33" "E.§'2.%E'3 j§§'»1x"§'S_l§s'"-.:'a.i<':'FT§, ;1§::£iwa:r'ed M =CVa:.rnrr:i$.$_E%a:rg. {:I{2f'3SL3Ffi§§§" ms-'_§us'i:s.a:i§r:.t.&gm» ii} as: " "E2 ihe an-m;§ia:::_m:. rxirrr; thai -sfireasws >:=':Lsr .=.3¥'9;'§'E3r1§=a.§3;r': is wise jmi§§r'?§§§§'}3§ ~ti*a»2 :"::I.m.sr§ En FE§§¥,E§\'}"~:":' {zilliixéi 1 Vt:-...3M§'&\<§6--*Eé. 233:3 Ei€:~.I:ivf:i2£:'*(§ aim '}";'1,2.§§€3i3,.. w%*:§-_=~reiér1 €::iE§m.*s-*iiV¥*:§_1 §3'§'"€§E:i' I ::ivz:§3i-v--Es;*§$a:'fi the %*»&a>=;'.§::.rwaE {:?"I'3'i£§'?I'°e§ in §.<'sr'«2 haw mgr {';'iT3i"'s§'sitZ3'&i*1E'EtjiG§'i2 tn '§.§'s£; as;+a:a;v~;s:<:«r:i {:35 §'»?s~, =!*i;mew-.at>_g.' We gs:-:e3« thr<§1;g_h aitangg with 1:341:-z3Tr* j_Lsd--gm+era-$4., w--h_*.f§>::.h §m:a'~;s=.= that saw tag»-' A;;ae:<' am ms :-3--u:_. fact -ram-aifia that tma as' $3-e't_:ii:§z;3n t3e§:"1--r's\: time;-. Nai:§s:n.a§ §I".I§>.m.r'§'.»:iv:si-¥.ia"m us fiihe;
main .":< if'! ' 7'1 942 '$3 '$11.3 F12'-
1'5?
3%."
I /7 1': the h&.s".:$:§'§=::<i.?;'s_;r'§':.=_e-=s j<_1.:i _:::-r1 :13?' mg:
~.
:;5:;, r;}E'.£. §3e%'1a§f' :1? %;.%§;_ ' .1'-I3C}E"1$E$.'§.fi%f'.E§§ (§U.i'E'§E: <ii§f&3:'a--a1E_-Eiiui i?'§e%sfE=f*:§»;3, 'me in .-
\ aw ':m.mr_»§"s%-*3: {T§LJ§_; <12?' ths': i:N;:,:;su:sa>.=
1.
C}a':a§"?'E§'§3Er§§;' as: iii '_'.£{':§§{ji'iA}.::«s'V was s s'»':*:<:-si:v<;é<:::»;2+_s"s* flirt, in «::::s'§nE:_m,. the.re§<:r:.r:; th:-21--
' :1 S .a:i%wj'a:e:.a":~a $3? app»a~i§sant: c:::n§{:.ia§m.>;*' »':3$'§§i._S§'.{'3 ,5 /7':
E'?
E3i$tr§.~::f:f: in _' that 'me {:E§:1'§;J§.é:.§r1:s§3§'si'.'£=§ IT:
Hat per :z:::1~:'::§.:?"£~§a::'£. it Ema-m' :'§§%'1"$=§s* ft:=':,_,=' £'ts:£;:i§§3?°§'?;;iEti§§s' Faii &'E$3'vx>:'} a'.\.§'ss,:~f$3i.s$3L.E.'s§i"1£?:fi'§!"{§i§T§€§_"==;é='5$ %t¢a:§':1 §"sB~\.'3.:*.'§'1=:?r£'f'§":2.a':iI§€§.. §\Z:zsnc.»:+',. $W--g_L_m*:fir'si i§1£':i\%'?:F1t:i$3xf3§ _. 9* "
;s:a=g asfid is': E53 3*'-gr '§?.hf£F.:' it ts} ti':
:E§1$'~_~|-5§3f-}$'::£:-\- §.'T_~i3f'{'s§§a§'s'$'fu mssiti §§s:'sB.n §'.%3_».' x....
mm .i§fis.1.s:*..a.s*::%:€-. &2£',i1F*s":'.¥_.';'.%.§}'§"§.f'. »:fa:+z".e=:sm.-sszsma af' far ms:
33% {$221.1
;,$r;'a}.
with ins:.uranc:e Em: ii-3:53 ::§I:si'r=:':
' w .=;;éE.3 23%' tm: atscws t'.§é.~5:§'£:i:3.%'1 La§ie;s_:§m:é. E33;
E"_ti_':§;*'fiI&.§i.',$iE§{'?§ ;;m:£_m:§:.-ztxecé, :*.;:;ssmse_ sf wiii c:n:nt§nu2e--§:§i.§ the é2.s*.='«::.=V.r'.a=~"v;:s:e"-:
>11":
:tz3r:*s§:;an*-" 5;§'r3~'_§~' 5__T car 'ma céaiém. §:!:;5:§m mi mean r'e,}e=a_:.u*s:.d% in the §L3::1§;fiée--:'.s§*, £3?' tfiéi smzxyszmnaétrfie .&$.zst'i'onaE Cmmrr fmn 'a:='~a"§'a'e'3r1.<_3é:n= :3? the vs. %.="=.¢'€= §':2r*;*if--i£sz:5 'sin mar' ;='im:?§ngg :33,» sai':2=::é~':.~"e iatszst j§;§<:§gs*.'m3s'2'; the §*::_:m3L.srai3§+:2 N§fi:§fl.fi'£:3§ it M :3.
ff};
{:3 fl r:;s':qu:i.r*a aim; '.%r.st:e.as~:~°'e«r::
in E 9'
------~~I\.\.\.\. nu.» sikpg:-'aw $433.18-Q3 :3? $3 <§%.::mE:ss.ed_. Tha fiimfi-L=.i.="n<e.r° vf="s.:;=r=.:e.r.s:v:, Eun«a:ga--r:$f§*; -if.'-{at;,;,;>'§a:'i:'s":*'a§' Q?' 2.fI33%¥ tiatw' .-::>ni'i'm*'u:+,":.'}..
-\ ?rm1s:mr::eaZ_ 21:1 "I 1' W {Say Iii}-.13.
.~«\\\\\'.'....... V _ 'K *...
R.F'4._ :~.="~e§-§d«:3n£ »;;¢ .17, .. ,.
_ {fiwti 1='<-*!::¥*r3 her fvfi-s2m§.se.=*--