State Consumer Disputes Redressal Commission
Modi Maheshkumar G vs Oriental Ins Co Ltd on 30 January, 2021
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5|DF6[ ,B[, K[P Issued this without prejudice, to the best of our knowledge, opinion and ability & is subject to the terms & conditions of policy of insurance and BORICHA APPEAL NO 1182/2013 PAGE 1 TO 11 8 subject to investigation report & which based on condition of consignment & information given by the consignee / insured's report at the time of survey."
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5|DF6[ TFZ6 VF5[, K[o CONCLUSION:
From above finding and after my investigation job; I am of the opinion of that; the subject Marine claim case of Insured is absolutely "true" and "Genuine" to the best of my knowledge and ability. There fore, in view above facts the claim may be considered for settlement. This report is submitted for your kind perusal and necessary action "WITHOUT PREJUDICE".
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5|DF6[ GM\W[, K[P "The assessment of loss, claim settlement and relevance of survey report depends on various factors. Whenever a loss is reported by the insured, a loss adjuster, popularly known as loss surveyor, is deputed who assess the loss and issues report known as surveyor report which forms the basis for consideration or otherwise of the claim. Surveyors are appointed under the statutory provisions and they are the link between the insurer and the insured when the question of settlement of loss or damage arises. The report of the surveyor could become the basis for settlement of a claim by the insurer in respect of the loss suffered by the insured. There is no disputing the fact that the Surveyor/Surveyors are appointed by the insurance company under the provisions of Insurance Act and their reports are to be given due importance and one should have sufficient grounds not to agree with the assessment made by them. We also add, that, under this Section the insurance company cannot go on BORICHA APPEAL NO 1182/2013 PAGE 1 TO 11 9 appointing Surveyors one after another so as to get a tailor made report to the satisfaction of the concerned officer of the insurance company, if for any reason, the report of the Surveyors is not acceptable, the insurer has to give valid reason for not accepting the report. Scheme of Section 64-UM particularly, of sub-sections (2), (3) and (4) would show that the insurer cannot appoint a second surveyor just as a matter of course. If for any valid reason the report of the Surveyor is not acceptable to the insurer may be for the reason if there are inherent defects, if it is found to be arbitrary, excessive, exaggerated etc., it must specify cogent reasons, without which it is not free to appoint second Surveyor or Surveyors till it gets a report which would satisfy its interest. Alternatively, it can be stated that there must be sufficient ground to disagree with the findings of Surveyor/Surveyors. There is no prohibition in the Insurance Act for appointment of second Surveyor by the Insurance Company, but while doing so, the insurance company has to give satisfactory reasons for not accepting the report of the first Surveyor and the need to appoint second Surveyor.
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