State Consumer Disputes Redressal Commission
Branch Manager United India Insrance ... vs Jagdish S/O Bhanwar Lal on 31 May, 2019
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izR;FkhZx.k le{k % ekuuh; Jh dey dqekj ckxMh] lnL; ¼U;kf;d½ ekuuh; lnL; Jherh ehuk esgrk mifLFkr %& vihykFkhZZ dh vkSj ls Jh 'kqHke vjksMk+ vf/koDRkk izR;FkhZ la[;k 2 dh vksj ls Jh vt;jkt VkWfV;k vf/koDrk vkns'k fnukad 31 ebZ] 2019 jkT; vk;ksx jktLFkku t;iqj ¼}kjk Jh dey dqekj ckxM+h] lnL; ¼U;kf;d½ ;g vihy United India Insurance Company Limited dh vksj ls Jagdish & ors. ds fo:) ftyk miHkksDrk fookn izfrrks"k eap] >kykokM+ ds fu.kZ; fnukad 03 vDVwcj] 2018 ls O;fFkr gksdj is'k dh xbZ gSA izdj.k ds rF; bl izdkj gS fd ifjoknh ds ikl Lo;a dk VªsDVj vkj ts 17 vkj ch 5603 gS tks mlus Lo;a ds miHkksx mi;ksx ds fy, dz; fd;k Fkk ftldk vizkFkhZ ls chek djok;k ftldh ikWfylh la[;k 1422013116 ih 107910763 Fkh tks fnukWad 14-09-2016 ls 13-09-2017 rd chfer FkhA fnukWad 30- 05-2017 o 31-05-2017 dh e/; jkf= dks ifjoknh ds ?kj ds ckMs esa fdlh vKkr 2 O;fDr }kjk VªsDVj pqjk fy;k ftldh ekSf[kd o fyf[kr lwpuk 31-05-2017 dks Fkkuk dksrokyh >kykokM ij nh o izFke lwpuk fjiksVZ la[;k 294@2017 ntZ dh xbZ o mlh fnu chek dEaiuh dks lwpuk nh xbZ o Dyse QkeZ e; nLrkost vizkFkhZ ds ;gkWa tek djok fn;s x;sA Dyse QkeZ izLrqr djus ds Ik'pkr~ vizkFkhZ ds }kjk 27-12-2017 dks Dyse vkB fnu nsjh ls lwpuk nsus ds dkj.k fjtsDV gksus dh lwpuk izkIr gqbZ tks vizkFkhZ ds vuqfpr O;kikj O;ogkj dk ifjpk;d gSA tfj;s vf/koDrk izkFkhZ dks uksfVl Hkh fnyk;k fdUrq vkt fnol rd Dyse fuLrkfjr ugh fd;k x;kA vr% izkFkZuk i= izLrqr dj VªsDVj dh chek/ku jkf'k 5]00]850 :0 rFkk vkfFkZd o ekufld {kfr ds rkSj ij 20]000 :0 o ifjokn O;; 5]000 :0 vizkFkhZ ls fnyok;s tkus dh izkFkZuk dhA vizkFkhZ la[;k&1 us vius tokc esa crk;k fd ifjoknh dk mDr okgu fnukWad 30 o 31-05-2017 dh e/; jkf= esa pksjh gqvk ftldh lwpuk ifjoknh us fnukWad 08-06-2017 dks 8 fnu dh nsj ls chek dEiuh dks nh o iqfyl Fkkuk esa fnukWd 03-06-2017 dks 3 fnu nsjh ls ntZ djokbZ gS tcfd chek ikWfylh dh 'krZ la[;k&1 ds vuqlkj ifjoknh dks vfoyEc okgu pksjh tkus dh lwpuk chek dEiuh dks nsuh pkfg;s Fkh vr% ifjokn e; [kpkZ [kkfjt fd;s tkus dh izkFkZuk dhA vizkFkhZ la[;k &2 us vius tokc esa crk;k ifjokfn;k dk iwjs ifjokn esa fookn dsoy ek= b';ksjasl dEiuh foi{kh dze la[;k&1 ls lEcf/kr gSA ifjoknh ij foi{kh ds 7]15]763@&: cdk;k gks x;s gS tks og ifjoknh vFkok foi{kh la[;k &1 ls izkIr djus dk vf/kdkjh gSA ;fn ifjoknh dk ;g ifjokn Lohdkj fd;k tkrk gS rks mlesa ls cdk;k _.k jkf'k 7]15]763@&: foi{kh la[;k &2 dks fnyokbZ tkos A cgl lquh ,oa i=koyh dk voyksdu fd;kA ifjoknh dk VªsDVj Fkk tks chfer FkkA fnukad 30-05-2017 ,oa 31-05-2017 dh njfe;kuh jkr pksjh gks x;k ftldh lwpuk iqfyl Fkkuk >kykokM+ esa ntZ gqbZA ifjoknh dk Dyse bl vk/kkj ij [kkfjt dj fn;k x;k fd chek daiuh dks rqjUr lwpuk ugha nh x;hA fo)ku ftyk eap us ifjokn Lohdkj dj fy;kA 3 bl laca/k esa IV (2015) CPJ 349 (NC) NATIONAL INSURANCE CO. LTD. V/S SHILPA CLOTH HOUSE esa ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gS %& Consumer Protection Act, 1986 - Sections 2(1)(g), 14(1)(d), 21(b) - Insurance - Fire accident - Stocks damaged - Loss suffered - FIR lodged
- Surveyor appointed - Claim repudiated - Non- submission of documents - Deficiency in service - District Forum allowed complaint - State Commission partly allowed appeal - Hence revision - Contention, claim repudiated on account of non-furnishing of documents - Not accepted - Plea of petitioner company cannot be accepted in view of FIR lodged by complainant soon after incident in which details of incident were reported - District Forum deputed a local Commissioner to conduct spot enquiry in presence of both parties - Delay in sending intimation in writing is not sufficient to deny either occurrence of incident or reimbursement of loss suffered - No fault with findings of facts returned by two Fora.
IV (2014 )CPJ 62 (NC) NATIONAL INSURANCE CO. LTD. V/S KULWANT SINGH esa
ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gS %& Consumer Protection Act, 1986 - Sections 2(1)(g), 14(1)(d), 21(b) - Insurance - Theft - Delay in intimation
- Surveyor appointed - Claim repudiated - Deficiency in service - District Forum dismissed Complaint - State Commission allowed appeal - Hence revision - Insurance Company should not have repudiated claim, merely on account of delay in bringing theft to its knowledge, particularly when there was absolutely no delay in lodging FIR with police - No prejudice caused to Insurance Company on account of 4/5 days delay in intimation of theft - Plausible explanation given by insured for delay - Repudiation not justified.
4IV (2014 ) CPJ 255 (NC) SAHARA INDIA COMMERCIAL CORPORATON LTD. & ANR. V/S GOMTI DEVI & ORS. esa ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gS %& Consumer Protection Act, 1986 - Sections 2(1)(g), 14(1)(d), 21(b) - Insurance - Death claim - Delay in intimation - Claim repudiated - Alleged deficiency in service - District Forum allowed complaint - State Commission dismissed appeal - Hence revision - As per policy, petitioners are liable pay Rs. 1,00,000 as ordered by District Forum - Petitioners want to get rid of their liability - Petitioners have made a vain attempt to lead gullible people up the garden path.
IV (2012 )CPJ 107 (NC) SHANKAR CHAKRAWARTI Vs. NEW INDIA ASSURANCE CO. LTD. esa ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gS %& Consumer Protection Act, 1986- Sections 2 (1) (g), 14 (1) (d), 21 (b) - Insurance - Theft of vehicle
- Surveyor appointed - Loss assessed - Claim repudiated - Alleged deficiency in service - District Forum allowed complaint - State Commission partly allowed appeal - Hence revision - Theft of vehicle was committed by driver and cleaner who were complainant's own employees - Delay in lodging FIR - Information was given to Insurance Company before lodging the FIR - State Commission has meticulously checked record with precision and clarity--Reduced value of Insurance Policy to 75% ekuuh; jk"Vªh; vk;ksx }kjk izfrikfnr fl)kUrksa ds vuqlkj chek daiuh dks 8 fnu nsjh ls lwpuk nsus ds dkj.k lEiw.kZ chek Dyse [kkfjt ugha djuk pkfg, uksu&LVs.MMZ csfll ij Dyse nsuk pkfg,A fo)ku ftyk eap dks ;|fi chek daiuh dks nsjh ls lwpuk nsus ds dkj.k uksu LVs.MMZ csfll ij ifjokn vykÅ djuk pkfg,A vr% vihy vkaf'kd :i ls Lohdkj dj fo)ku ftyk eap ds vuqrks"k la[;k 1 esa 5]00]850@&:- dk 75 izfr'kr ;kfu 3]75]637@&:0 50 iSls ¼ rhu yk[k 5 fipgRrj gtkj N% lkS lSrhl :- ipkl iSls ½ fd;s tkrs gSA 'ks"k vkns'k ;Fkkor jgsxkA ¼ ehuk esgrk ½ ¼ dey dqekj ckxMh ½ lnL; lnL; ¼U;kf;d½ @ikBd@