Nileshkumar Ranchodbhai Patel vs The Oriental Insurance Co Ltd on 18 August, 2009

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State Consumer Disputes Redressal Commission

Nileshkumar Ranchodbhai Patel vs The Oriental Insurance Co Ltd on 18 August, 2009

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BEFORE: THE (;'.{)Z'~'cSU'i\'i'L

"R DI$3.1"L3 YES RIEIJRE-SSAL CC3MA'»iiE~3iSUN

CREE'.-'RRAT S"§"ATI-3.. AHE'~'iE.IL~'(BAi3

(.'.@>smnG1"1_i1::.:§grs1ent in C'.ompiai

A

at  26 sf Eﬂiﬂﬁ.»

nd

'fliitllpiiiifii N€}.,2?'  29$'-'1

Amiik Lunar Rancﬁhodbhai §'at=:E
£3'.-*0 Jest (Emma. Pvt. L1<i.,
Vi;;iﬁ;«=a mad, Jasdzm

Wrsus

The §)*rimta§\ insurams: Co. E.-KL.

Bransah Ufﬁcw: at ;\'e:ar '?Z'vmn§cip'a! I.ibr.ar1a
Blmder Road:

\_~"e;"¢wa¥ 362 265

2- 
Péimeshkzuzmr Ranchh<)dbhza§1"'aie1 -
C..-":3 lee: Cgi'tUﬂ' Pvt. Ltd...

'*a'ici1i'ya Ruad, Jzssidasx
\r'crsus

"R16 Qrierﬁal Insurance': Co. i..:.:3.,

Bram}: Qfﬁce at Near Muzzictipal i..i':ws1ry

Bi.t31dfi=i' Read
Verava}. 3:32 265

('JRAL <:n»1a;m.=;z'< ; {:5 ea; Bhl-1:m.'{-I. Jusm
iiismzz 2.9.m2{:m;a

1.

in the akuwe mfemsd ccsmpiaints, mmxrlen thesefnrs bath 1'm:~r;:m11piaia1tsé2re _ ilmnplainam .. .. CJp{3i3}1€EE{ .. (iampiainant ..... .. Ogsgmnsnt :\'Eem}3cr} oppsxniznts an: ctamtnrm and cause of simian is éispmcd t.-F by a 2.-:m:.1m:mjudg m:~nt..

The brief fat:1.s cf the cunxpiaint 'No.36 of 'H384 are as under:

2.1 That the cvaxmpiainani; is; a pnapriamr and having Ssanciard Fim E: Speciai Perils.

Paiiey hr:as'.ing_ N0.}~§28{)3!2 1.«'-Oh" i'e'(}2 fur thc coverage of Stack amt} Cmton éiilii stock in process and premium of R5\23£}33r'-- was 'paid far sum assumi Sis, 5G,{}U,!}(}{3f-- . The pnlicga' for the petiod fmm 8.3.£0B1 ta 6.'.?.2€)0}. was issuasi by the Oppcts«;:m.1nsur3nc~c Canspany in his persanssi capacity and in his nmnc because ﬁn': campiaimant. for his ii\~*t:.1i§'m(s£$ and his awn earning purchasing mw cotmn frmrn different fam1ers,:"cntmn msmhams and ﬂu:-refn1x:.the com 3a3'mm\i119.sta3s:.eA "_"r§ik'.\"iI1hiS rersonai name. J 2.2 The stock statement rrsaimainszrl by last Czmon Mii§s is _§_m)(i*.3cadC at Annexure Markfﬁ. ﬁne policy L1Qf1£iiiiDﬁ,S Lara: mu prm-'iaicd.

3. The brief farm at' the campiaim §.\.1cs;P.'.-' of am as under:

3.1 'I'hsst; than c-:m1rplainant is a pmps'-Eater and having Standard Fire & Specizzi I-"eriis Pt31icy't:es'm.g bearing Na.1:$2.8{}3s'}.1fG1fI1?0s1 fer the cxxmrage: cf Sm<:&< and Cmivmx and stock in process and R.s.3FZ}S9§.»"~ was; mid towards pzenxium fer sum assureé Rs. 35,{3'iL00'0 . Tile:

peiicy is for the perimi fmm S.3.7l.é}t)1 tn '2'.?.2i)01 issued 'my the Cippsmaznt lnszumncaz C'0mp;sx13- in his mrsonal ca;xa».:i'ty and in his persmaai name because the complain.-1m.& fm his '£i\.~eEih=:1s:.d and his awn. earning pxrrchasiug saw cmtcm iicmn xiiffrsrent famzexsfcu-tziaxx xmtrchzants'. and 1}1¢r£:ﬁm:. the cmnplainant has taken {mic}-' in the persnnai name.

L44 3.2. Thsx': stack smtemsnt by Jean Cotton hr1i§is., is prnciuced at Annexure at !S.~iarl<~»2..

The gmiicy wnditicns are not 'prmicied by the 0.'p§:<&3nr:I3t ma merefiaxa compiainam wmte letter dated 16.09.?,{}iJ~'1 {.0 the Qpgzun-znt tn pmvide the cup)" 9f the terms; and c<m<.iit§ens..

3.3 ,§__2z_1_1_§,s3; 'Thai; an §1.}{1fj.2{Lu'J'1, ihfi ﬁn: tank place at Mis Ieet Cmtcm Miiis P».-*.. Ltd, Ia.-saian at about 1.313 in the aﬁcmtznim. Fiifﬂ bri-gash: was czalﬁaxi and as peer 1hi:Fi:rL'- Brigade rcpon. dated 2'F.Gf§.;?.{3(}L expected kiss in the stock is cstinxaxed its the tune mi.' R513 ':0 2.0 lakhs. In fact the which was burnt 192? KW \;vhicsh was ammmting, to R530 iakm. This fact rexrssﬂs in the puiice patmimama. The. cnmgzkiinam had. 'infbrraxed a"tz:>uz rm E.nc§ﬁt'.n1.. 11'; the oppanem an 1L0fi.2{§€}i. The 'insur'am:£ c.:>_mpan}- had zappaimed W5 Arum Amra Co. as Suw::;em- and the cotnpiainaxmt had subrxzirted ail rrsievant dncumeuts, The appnnent ~ insumnce mmpgmy had repudiatetl the ciainu wide letter dated H..ll}.;.'-ii}O1'.. Therefore on the ground 0.? deiic-Kenny in swrvice, the cumplainams haw: cmnpiaims befsare the Consumer' Elispmcs Redrszssai Cmnrraissicm and prayséi for rel?»-sf as stated in para 10 {3} Direct the zzppmxent imumnue ccnmpany so my R5. ='$8.'i"?,5{)0i>.-'~ with .:'unni:1g imvzmst at the rate: mt' 10% 1}.1'0.20{}2,Lti1i such }'3ii}-'.l'i-ISM is made. (bj: 'Dirsci the upponezxt insursuzce mznpany' ta pay Rs. 2 iakhs by way of cmnper:saz';i<m.(_c.). direct aha npgamuant insmﬁnne csmps-;ny to gay Rs. St3.{3{§i}f~ by way wf C031 to ﬁxing this conlpiaénié. The complainants had submitted list <25' ciocuinants ﬁem Page 13 1:) Si}. The émmpiuinanis have ﬁled alxéir rqjxninsier, The: 's:1t»:.rr<3gs:u>x-ies are tiisd by the cumpiainssnta :0 Sun-'<;ym' and rcpiy is tilvsd by Suweym' mm': ami alga intemagamries by ctmpiairaani its tnppunsam insnnznce mmipanry. The a)'*ppunam ia1sw;a31c«*:: ccampangr ﬁlmi :'a:p!}: in im¢rmgah'3ries.. The cemplainams haves: submixtecf written argusraent cmntensiing therein that 111:: poiicy mi' insurancs: being 22 Ls;s.n1t:act't3~;31ween the: inzmted and the insurer, ii is subject to the terms anti cczndiiiuns as art:

mnbudied in the gmiicy itself. It is denied that me uppusitx: mt issued the dxgtaiirsd po1icyi,e.. pa§ic§> ccmtexizxizxg terms aué conditions efthe gtaniicy, mlegatimxs have been made because the ccm\§31ainam: is t'=.1ll§= awam ma: his claim is ftmsoluicni at that he has .I'€F2QR'IBd 10 fmudxxiaut means tu get this claim which stnéerza the claim in be mpudiated under the {cram and cszmcliticms enfthe poiicy. In viaw sf ':11: judgmem £313 ﬂfufi H:m"bZe Supreme Cuuﬂ in {her matter 9? Gmera! }.ns1n'2snce:v Saciety I_.tz},, Vs Chandmuil Iain 8: .»"i..:n: The terms an-xi c<m.diJi(ms (sf Ihe 'S1anc§.ard.I'o1ic)-' are aappiicabie. The uprposite party reserves the right to fa}:

additionai 5'€.'~{.'l'1'_$' if and wﬁezx the Cmnpfzimaszt makes sp:<:*ii'1_c a1~"etn1=;2nts mgmﬂing the aiieged _urchase. uf raw action from aiiegcd d'iff'en:m sort-an gnerchams. 3*. is 3135-L1 wmng and denim that me stark sxatsrzxcnt was mainuxined by J -.331 Cutters Mills. in angs event, the canxrasi uf imurmrscc is b::tw.=:::'n the Complainant and the (spasm: part';-'. Thttrc is no cunmici of ihi: uppasita pzmy with the allegtd Jam C>:xit(.:<31 Miikls. 1.1 is also deiﬁed that the :'1'h:: practice adopted by the (laampiainam was that fitst cf sail ai'te:~pL1rc§rase Of raw cation fmm diﬁarcnr, ctritan 1m3rr;hants,thc Cmnplainam use to send ihia raw cottan fur ginning ta» M-"3 lest {Samoan Mitis Pvt. .L'n:i;, Wm an: ginmzr and awtmn mtsxchants practice adapted by the Campissinant had sent on 1t',~.i}iS.20Gl., vide différcrzi trucks ttmal 1';-*';-17? qumi! (If raw %13E)t££J1"t ta M.»"s 3-3:1 Cotzicsn Eviiltef'. 1!. is also wmng ant'; cieniszd that ""'i'he stock 2:2-at by the eomplainaxxs. m.-aimzained stzouk register and the staterzsent maintained by Liise wznplairmnt. is atmchmi as Atzsmcure xnm-'k~3. 'I115 wmplaisxani ms: 323:) nut discloszed the panties from when: ihﬁ aikrged "metal 193? quintal czﬁsaw cotton was purchased. 1W5 Wkréznz S. W:.itE'sur Q R; (lie. chartered Accountants wha submitted their repzm dated t'}2.{31.'Z'-,UC~L2 inter alia regaoﬁed as uwder:

"Wt'. have §3{:3'$e;)r\&H§-' visitcxi the premise: cf the abmee nameci ihrec. suppiiers on Dcczmaber 28, 20%} and have fauna that the first tvm srzpgxiiers are 'c-ugus aupg-iicrs as ﬁrm prsarxxizsx-:3 said ti1}'1:'1\'C been used by them wen: am in use by thwsm during; the saiti pesrimi. ("mt requese: frat mitten cemﬁrsnaiion nf the same fit:-m rmigghboring max-cema was turned (km-':1, but cm.l§= Vtsrbsal cc3nﬁr.matir)n was 1-aceivcd at bath locatitms. Th:-: 'mils mf Ravi '1_':'ading Ccmzpany are gemsines and we have vaxfiﬁmi thc at the 1'§'.$id\'::n€£: cf Bhikabhai Patel, U} Ganesh (.'.m)p. H-zmiaing Society, Dhcﬁka, and have {hm tbs: axisst. in their books csfattazmaunt ;)er5¢3nsx3l§,=. The stock. that was c1ai:m,:si'ts.\ be burnt ct: 'i.§}.06.2(}Q}., as per the' rectsrds fumisheai in us and the aging} stock 3116: eliminating 'bogus armies as pm' )2", were. as fuﬂaws:

:°"§'7r'."" '""§"'1€§1":--}1E2'E»?"€fi§ii"r?{z}Li§{"t'ﬁ§§§'1§3'MY'E§§i§E?§"'Ni-}LE?sEézT"M"§"}3§E¥Eé{i°'3Eii;EWm§ 1 ~_ , a » it ; Quanmy Vatxgt: in Qusmtity' 3 In Rug:-ises i I1 1 E {Quimalsi '. Rupees E ijiquintalsi {Fxxrcixénse

-E ,:;>st_1 § 1 . (4)5!) E E 1 E.**"{""'""""1f"'*""'f"""' """'*""""""*""'§r""""7.:"'*"""'*"}"*"?*"?"*?'*"""'*'%""'*': """:"*"""*"%' ",""'**'*"*'***'*""'"" """*"i 3 M I Anlztkuzxxar 192!.00 49;,'-$3.,3. 7 ~'%54..?i..} § 1.1,r'~1'.9.,9{}ﬂ § 1' Ratii:hh»'.)db1\'2:'i 1 i_ 1 1 i Pazei 1 1 g 1 1 § 1 : ' I\ 1 3 Rmachhadhixai >. ' 2 ' = '' Pam} 'E K E i 1} E 2 1 E 1 2 's E 1 a 1 '%"""""".""'1""""'"""""""""""""""""""'3""'"'*"""""""""'*%""*'""*""""'ﬁP""-"'*' W1 1, 1 TOTALS '{ :<>a3.4s 1.DZ,i4,6'30 fxnmﬁs 1 2s,as=..,7:<: 1 * I = : '-. ' ' L W»-.-T--T--\=n~ «mm. mwwm. A.-." ..~r_.v.Lw..¥... .... .... ..... .* ....

sf} 'C-I1::§usi0'u: We are (if the upiniuu hsuszcl uprgm 5: detaiied study nf the remrtis summari-mad in the fhrese Annaxurr: to tfhis repom that the ciaimants mt maldng a gssmsine claim as far as thus suppiias I315:-dz: by Jay K¥mdi_ya.r '1.'mding (Jo. and G{.win£l fsfianiml K. P-ate! cmmemed and :-.;m1iy ihc supplie,s made. by Ravi 'fmtiing are cousziiiemd gen'uén<:. The aatuai quamity uf stuck {If Kaagmsia, which can be considered :15 R133 due in ﬁre as laid. out in ms Tahhs at Parafd) air' cur' Depart :15 snppgned by .?\.nn£~m1re E, Ii and H}. wztszcmsed. Assuming to sutx-'a:.y<~.t; the exact slate' K-1' 1053 is tam dear. Tht: Surveyor has repssrrted as undmr "Thus, the 6339? date set" {uses is mt clear. ',{".hs: i"m~.. as mpm-xesd cruptesi on 16"' arm was eatingzlished that samr: day. It ewpted again an 11"'. The quxssiizm remains if tin 'firs: an I13' was 2:. fresh incident (did mm shat: mus: take 'phase again in the wme carrying Ek3CiTiCi?}' far the tube lighti} of incompletre axiitsguishmmzts uf fire on 10"' cause-vci its reoccurrence an the 12","

Aim receiving ihe surve3.~ {wart dated 10.U1 the nppnsiiii pzmy require and entitieﬁ ta prutess tha: claim which 2115:; takes time. After 'processing ma c-Iaim, the: ()pp<1s:iLt:

party' cxzmmunicaied the decisimi tax the complainant '\'v'.idt2 letter datasd H _§i}.213(}?.' repudiwcixxg the ci'z3i.~or1 isuvokitxg. poiicy sszmciition No.8 which has Ben extmcmd ahava. '1'h<: cnmpiainanz is aware that me: sum insureci is in the exient MR3. 50,f}t),ﬂ0{2*f« and he has paid prcnaimrs 8.£2CQT'diE1g1}".

..,4, The nppixnem has filed the list «:2? dacunaemes ai Iixh, 5 frcmz 1 so set. T31:

s;urveye3r M55 Amn Amra has ﬁicd an afﬁsiavit in suggest ofhisz survey regmrx..

3.7 The opponexzt fikd questionnaire to the canmlainis and complaina.ms fzieé reply is 31.80 ﬂied 3.3 We have. perused the papers. Shri .E~'{.'J. Thakkar, £1}. Advocate tfm the wn.1pIai.n£m_i.

has subanittad wwittxan mtgumssnt. Shxi C. R, Knihssri, Id. A¢iV'(3c;3.te for the Opponent has subtrzitimd mitttm argument.

4. The foilnwing points have been detexmiumi ta decide in the complaints.

1) Whfitheit the present compiainants can ﬁle: ézrrmpiainzs under the gmsvisions of the:

Consumer I{*mtt:a:i1'un Ac-E' £936'?

2.} Whether the camgiisinanis have pmveéi deﬁc§~':1.u:y in ézen-'ic;e5 .am:1'thc relissf siaimed in the complaim: can he gtanteti'?

3} '*2;-'1aeth:::th:~. c:;~n1g-s§m'.nams are xzmitied I0 any uompenseslitatz'?

4} Whai orders.

Findings:

'I711: ansvmrr is; under:

{,1} Af?i11'r1ati\-6 {'2} Deﬁs;.iencry' pmvzsai and 3'E."ﬁL'-fgf31'£E.($ti Isartiy. {3} :"1§ﬁ'!'ﬁ'1ﬂﬁVE {4} As per ﬁnal urder.

S. Rx':az'93ns:

The 'foi3owi;1g fax;-xs» are mt disputed:

3:} The cszmpiainams are d-aing their business =;-sf pmrszhasing cotton frzam diifftzrersat farn1exs..='cutt<:n merchams,. The mlnpiainants had taken two 5€<})atB{f£'- Fim and Species! Perii Poiicy itxcluxiing Earthtguaka I-"m3 an-ti Shocks. far Rs;.i@,{}0\{FGBf-- and Rs. 5SJ}0.f}>3{}i~ far the period ﬁtcun D.'-(l{}{}'~2.@{'!I.. During the paling; perimi (m E l.(}'('3.2{i{}1, ﬁre took place 2\£1V1r'5 Jest ~Cmmn Pvt. i.,.t£}.., Jasdsm. "Yb: s.tmnp{a.im:1t has} infm~me::i the Fire Brigade. Panschanma WW cﬁrsxwn. '1"ha conmiainant head iszfrmncd the uppcmeni ~-- insuramec campany an 1H}i$.2L1£='1. The Eippuntut ~ insurance cumpany "mad apgmirzied .suWeyar Mfs Amn Amra & Cu. to 'Em: and appoitztmi SIP. Si-ngh &. Associates as Iiaavtsszigsuor. 'Ti"h.ey have zsnizsnxiried their report. On. the basis at' the rcpom the cqpptsnerat. --- ixasursance cmnpany had regmxiiated the ci.-fun wide 'setter dated '1 13% {'§.?,&')G2 am the ground s3fc(_snditim1Nn..S 9f the Fire and Spﬁciai Peril {,=£\1i:3}" wimth. 1-wads as undcr:

" 1}" me c-£35m' be in maty respecrfrauduimt, car if any false tiee!aru:ian~ be made am used in suppurt tfcereezgf or if slay fraruiulenr means or i1z'*vf'£:€s are meet! by we insumd m- any we &*r:tfn.,g on his belmgfm «obtain any benefit under me milieu: an" if {he Kass or damage {we msmrsiorzesf by the wifffui act, er with the czmraivnmze ref {ﬁr inxuresf, ah' f.»e.ngj3":'s' under tﬁis poiicy .-sfmfi be_fa«3?}:.§fed. "

3.2 Aiiaér thomugh investigaticxm of mint claim it has i¢0,fS1€i in our nuiice that the cincusxacxﬂs viz him photsagraphsz, ﬁre bsigadc repcsrt subméiucd by you are fmmd to he free11:31::1emffahrisate*tiftampi-mzzdfhagus»ardas such ail beneﬁts under the above gmiicy us be fax-iiaitstd.

Hence, in view of me above nzentiorsiiig €30-'I8 we: express mar i,na.biiit3-' tu crmsitlm yam claim and rszpzuiiamd gsnur claisu.

5,3 'B-e-Eng agg:.1'.eved by ta'): decismn, zhe complaixmnts hm-'e-- ﬂied thc grcsexii cxsmpiaimzs tn mauve: the szrmum stated at para E km) {E} and {C} of the c.omp1aims.

S5 The c.mrsp1ai11anisL%1m-"e cositendssd mm in spite of writing letters, the pnlicgg xx-":35 not i.s5m:<i and salsa Eerrns and c{mdit'i(ms szefthe. policy arr: n<:£ pmvicied up tiil tamv, MS The oppcmen':~ insunsmce mnxpimy-' has sienied the ssilegaiiun. The mmplainants aware that their cksims are fraudtslent and tihttg.-' hél".-'E: resarted to ccwc-r notes the re?" 'inns. of the: parties are cm-"axed by me team and cmnditirm c:i'1.E1e =_:xo!i<;j.' whicla are Mt}: them. The delay in issuing the pniicy :I1ai:.e's no sliffwrczmcc. C-aver mates give sufficient instruc.1io:1s. Time: is no dispute that mu poiicy is Stzmdard Fin: 3-: E-Specizel Pzzril E'e>iir.§'. in "o:'i§':\'<' ufthe juelgxuent M" the Hc;=n"'bls: S*up~:eme;- Cxmrt in the C355 cf Genera} Insuramte £10, Lick. vs Chandmaii Jam 8: Am. The terms and. conditian [sf the Standard Fin: & Speciai .'{'r:.n'2 Poiicy are applicahie.

5.? incident. has mzcurmd in the year 2091. 'Sage sf the complaints that are am: in receipt (sf poI,i::§= st: terms amd szsmdiiiens an: mt binding tn corszpiaims, We :10 mt agree wiih. the say sxf' the cusnpiaints beuause prim' 1-as 'E004 no such demand of s:uppi}- tsiftenns and cmniitimxs was made by the campiaxints 311:3 is is u'n='x3' while {Hing compiaint in th gsttat 2{}i}4, £:.e«mple1is1ts have wrote 1c1'.':s:r dated 27:! that they have {it}: received 111:: terms and czondiﬁtms cf poiicy. Sn, mis is mﬂy an afttsr thought. Liriexzce the: say of the curaplsaints on this mum is net believed.

5.8 That this conxpiaimtmts have cnntsixdad that {he canxpiainants had gmrchaseﬁ raw cnmm frets: diﬁifswrst cotmn merchams ané aﬁer pusthast: of the cetiosu for ginning at Mfrs lees (lotion "I'vt. Ltd.' who are girmer and cmtum merchants. The stock s'ta!.emen*: maintained by M)"s .l'm~:t Cmmn Tm-1.311.: is at Anm-::sure -E. On i{J.0t'_:'«.20{}'i the <-onxpiainaant had sent aiifilere-at inst:-k.s mtalmg :1) I927 Q_uin£a§ saf raw mtten 19 {W5 Jest Cumfsn I'v'{. Ltd. The wmpiainants had maintsxined sttmk. r:gi:ster and the staiament made by the ccmjgiainants smnsrxed as Annaxure Zxiarkﬂ and 3190 Shawn in Saies Ta'x miunx.

3.9 That ihe»m1§30n»:.%nt i1asts13~;en a\.'e:t;11r:nt and denied the centeration ui:'1'ne malxpkainants that campiainarms had pmchased the comm from di.fﬁ:r<:s'a1 mmm m»:~:rc'hamsa and sﬁso danicd that the stack regsters was maintaizmxi by Jem Cation Pvt. Ltd' "£316 cnntract is bsstwcen the cnnapiainants wiﬁs In.:31u~am:c (lcmpimy, Thwart is my cicmtract hem: the (x§_3{.?i3l1€)11i.\8'§ih .Ice.1 {Sutton Pvt. Ltd. The c:)rn§'iainants have 1191 dissciused mgiszration num't.~s;-.r of allegeii d.iffere11ttmc?k3 aisza'nutdis'c1¢3sedih€ paﬁiaa {mm where the alieged ""t»::i:.112t(§Ii*6.-"+5 Quinta} af raw >Zt}YtD.I1 was puxchizszezd... M32; Vikmm S L__{;-.:_3,, Chamtensd Accountant in their report dated :1. 1 .2091»! w1':iVc1:1 shnws at page «isms.

H "We have pcrsanally \'iS'lt.L'=£'§ the premise! :31' the sabm-<:: naxtmd three suppiﬁem on Desszemfaer 23,. 2B0! and have found that aha first two suppliers are bugus suppiiem as th»: premises said to have been used by them were. not in use by them during, the said pszried. Our request for written' conﬁmmtion :31" the smne from rxeighboring ctmcemss was mmad dawn, but miy =.-'erhal smxxﬁrmaiinn was receiveﬂ at bath iocmiuras. The bills oF'Ra\ri"i'1-adiug Qrmpangv' arc:

geznuine. saxxd we have veriﬁed the at the resideznce {sf Shri 'Biﬁkabhai §'.:atcl.. 10 {ianasm Camp. 1-Iuusiug Sucmy', f.}ha!kn. am}. haw»: =;e,ri§i<:d t'.'n2::. the same exist in t's£-if backs of amccmn": pet2;:ms.s:3l§,=. Tm: :~:t.m:,k thai was ciaimed 10 burnt on 1{!..~'J6.'20f}L as per the mxzurds. fmnished (:3 us. and the azcmal staacb; aﬂer eliminazing 'zmgus entries as pvanﬁ,-} ware: as fellows:

1 Sn '§¥'b7£7éx"i{E§'}$fm'Ei%:7§§é§§"R§fz§§_i{{L§"T?f:"i§§}3£é"c3H "?x§§!EE£{'\7Eﬁii§: 1 Quantity Vaiues in Quamit_v ! in Rupees '1 ~_ 3 {Qnini.a1s) I Rupees <;Quama1s) §{'.?m~chase l l , ' '(Fumhase E Cost) 1 1 § C851} ' x' i 1 3 ' t .

', __V_7_V_7_wF___i__7_7_V_'*___V__w_H____r ________ ____ __"N!______wm_____ "Ni. V_ 2" 77* $31 innxatkmsax = 19210 I . "1 E 3 Ranclﬁmdbhai n '. : » -

1 Pate! *' 1 E 3 1 . 5.

V Rzanchh(:db'ha.i 1 E 5 P3121 1 1 E 1 . 1 1 1 '§"i:E1T.»x:LsM 9933.45 ; 1m,a4.6'20§ mm.95 2s,s4,?m § s-..

:1;

€3m=.::1us:i¢)n -; We an: of the ofsiaman based upen 3 detaiied study cf the .;~a:c:m'is summarirzeei in t11M'hrtx: Anncxxere 19 this rcpcart. the: the cissixmaxxis are no} uszalging 3 g'¢n\:i:1e ciaim as far as the zsupptiezss made by Jay Khcmsiiyar -Trading (To. and G1i3'v"i!7t(i Manilai Pate; are emncamtd and sank: the suppiies maﬁa by Rzemi 'Tradmg Cu. am: cnnsiderexi gauuimz. 'i'h1':

sictual quaniity ad? stock of Kapasia, which car: he wnsidexccd as 1035 due to ﬁve axe as laid out the '}'ab1x3 2:1 Faraﬁi) of am rcpnri as :.=up§3one,& by Mxnexsum L 1] ant} E11 encinsed. Auzcrsrding ta surveyor, the exact date of loss is net clear. 'The .S1m'¢§-':3: Ems repoxwed as under:

"'Tnus, the exact class of is mt clssar. The ﬁre * 5; i'»:Ypi)1'lt)d erupted ()3! E0" and was a..~:tmgu.i:shcd the same day. it as-uptad again am 11"'. This q.u~+cs,tiL~.n namains if the fire on 31"' was fresh incidczat [did not short cimxit take phase again in the sama write. c;mt§.=*ing eieatricity far the tube: liglui} of inwxnpiatn mm'nguishn1en1:s oi" fit: on 10"' cansec'. its rvaeccmisnce an the 11*."

5.5% We have penased the sun-'«3}:'ors E'€:1'.V1JlT'i dt. '.§.}.2{?i};3. wherein the supplies made by Ravi Trading Ca. art: mnsidemsl genuine. "H16 actual quantities of smack of Kapasia wﬁich can be mnsidereci. as loss: due tn ﬁre wh'v;:h is stated abm-'e 3.9. with regard is hm cf (Row-ingliai Mianilak it'; {me} are ctsncernad the same :-;:haw..:a: as under;

{A} .=.\E§.§31€$)';1'1j_L_1!t?)§1t_}:'nPi1_§f¢i Sr. L 9 Bii': date Amman:

1. :E,3.2i){1:1 1,?"3.,62:S

3. -'».3.'20{§1 1,86,EiM .2-SQ'; L9': ,3? 3

4. S .'3.2ﬁi§3 2.11.905

3. 5.3.2013} 2,E'¢6,S5'{}

5. £23 .2001 1.2"), § 35 '3 7.312001 1,9'? ,'.r'9¢1 S . 713 .i3I)0'1 2.3{'1,€}(3i)

9. '3'.'3.T2ﬂ01 2.91 fffiﬂ "fatal 1 8,015 i (5 {B} e9s:_1.i.1.?_<_tL:r1.:;.I'_}3..1='f_J_»_L='J Sr. NC». Hill date mxxount I . 3.3 ,'2l}O9 1.71233

2. .<¥.3.';E0{i': 1.91.125?!

3. 3..3.'£{}f)} £79,393

4. 6.3.2.1301 1_.";3f'~.,'3 1 3

5. 6.3 .?.::'}0¥ 1 ,5%3,'.='?0 Tomi R5,. 9.041301 5.11 We have perused the repay; of SP. Singh ii; Exsamistles AC» and investigation Rspcsn A4 wherain they haw: refrsmd the §etti:r dt. 3?.4.'."-.O{§3 sf Ivifrs lay Khndiyar Tradilmg £30,. to the Sales Ta.>:_ authorities for Surretlxieting their sales tax due. Lu name cancmacting the bus.i11css since we yams thcrcfere it is prasunxaii that since 2001. Jay Iihadi)-at Trading (fin.

had mt canied (mi any business and we accept that mnte-11t'i:3n~. I-1m~;ax=L:r, 'ihey had rm given masnn its: the: bugus hm of Kin:-vindiai' M;ani1ai. I.l1z?r{:§E)1't:, we are :}f 113:: ispini-an that bit} (sf Gm-imiial Manilai and that us" Ravi Trading (Zn. are genuiniz. '1'hes::fen3 lass suffered by the ::.mnp1ain;mt.s due R": ﬁre is as undaarz V I? y 'L...--¥ {FL ~&7;;:3.feJ\ " $ Q/2c\j\.».a ~12» --.»_..w_ "'?*"'*"'"' mucus}: mnouxat g" L Biil issmad by M.3§ Gmsindlal Mzuiiial 3833,5133 9_.{}=5:JJ(}i

2. Exavi Tmding Cs. 'E <1,34.'S1i} 1 2.-'%9,90{.* '§7utaE "32,?«'&32E§ 'I~.'{),-=':~3,_.'30'i §(}'Z*'c. smxsxge ."n.23,332 '.2,t)4;39i) Rs. 29,14,494» 1.8,3~%L5} I Q S. 12 With reference. ta Amn Amrafs repciri unsier head of §11_2'k§s€§_s_r:3enK 'S_{§,}t1.§1£i(§_5}_ the smweyur had. stated mtal asaimated materiais 4.5 'I'rm:i< {mad whbh names in Rs. 8M,!9,{}i){). Whereas ms. wanna} xraluaaian an tht) basis oi"heig,'nt ef the gsiies Rs. 4,'?7,2'?3 and Rs. 4, ';14,C\£3'3§- respectiwly. I-'mm the abmu: it scams: that the -Su1'v~e.y(3r had rm clear and £2~¢;>11\'X:~§3i sncth.-(ad 19 came 'U3 Ihc s;m1c:h1sios1 for the amass! less. The abev: reiwssti s=a.E,u-aiion, are imaginary sang? withnut an';-' iitycumetiiargr ~evid:<nce, Therefore, we mi' the humble opiniim that the above re'fer>:ed ﬁgures are not acceptable.

5.13 'mm the: ccunxpiainant conientied that an 1'i.6.2{}01 Fire b;:9k place at M.-"s Jase! Cation Miiis Pvt. Lui. at atmu: 1.30 after nmm arscl as per Fire Areysmm dashed L'-.'.?.fi.E{'3G'. M'rk~§ exmctcd loss 10 th»: stack. is mound 813.1 8 '.0 EB 1.akh:~. The stack. w.'nic.h dmnaged anti haunt due 10 ﬁre is W2? which was amounting its R330 kakhs. {)n the mxitentiun at paz'a'I-' cumplainant states} [KW mttml is burnt in and themb)-: the loss caused' rm me mmplainam 132:: KM Rs. 2590 I92'? '£~:.s.. 48,E?,S{§§}!~ We «:10 not accept the v.5:-mtzntima for the gric»-:: cf' per Rs..Z§f)€}:'- of autism because they hswe tam subxixtitted daocxtmaniany pmef xhemforc ibis claim. is em higher side;

5.14 The avamem started by the npponent xvzgardixag the ﬁre occurred cm U3."Gﬁ.2{3'3I. and 13 .G6.20m.. Therefore wt'. have to beiievge me Gem. report and iherefere the contemitrn :31' the uppanern is not acaepted.

3.15 it is-' pertinent in acute that'. the sum-ey(2x'11asz stxbmittcd fEE{Iii)l'L an 9.': {.2001 whereas tin»: appnnerxt has repudiated the claim an 1.'..!G."{}ﬂ2 we.-'hi.ch imd taken xmre than sufﬁ-zsieni time i{'. mks deazisiun wiiich pawides the deﬁciency' in service if upponcmt. Further' in spite of ssxn=c;mr's venom mendatian tn settle the ciaim, the oppenent has 5101 settied the claim 5.16. 'IE1:::cx)mIp1saina::i has stﬁomitted the fblims-'Eng mdgment in his favmxs. (if; {E f20{§§ CF} 1'? {NC} Hmxdi {.511 min C::='zd Smawqge and Ice .'§sa-;:io.ry Mt. Ltd. vs <Z}n'ent~al' hxsuranc-e Co. Lid, where in }§on'bh~: Natianai ilnmnnissian has 'mid that gmiiczy' um isszuad ~.=.i.':h«:.r at that time czf isasuing cuver note in' wimin few days th':~.:'caﬁ:;:r, cundiﬁun and 16 exciusitms ciausez mat known to insured, not binéing, poiicy not issued. till wsmgrrencrz of perils, claim I10'; settled, -claim is nzquircd to be sentleﬁ within reasonabie time (mus m prcwe bréacb (sf poiicy an insurer. lrmuret mat liable ta _prow.-; mmpii; cw with each and every 51i;zu1ati<>n. ::o1m=:ntiu31, claim iiaaxdxalent, mt prm-'e-d. . claim gcnguine, mmpazrw iiabie me pay with 'mf:.e:ce:esL.

(2) 1 {E003} CPS? 23.?' {NC} Funk' 'i'm;ti§eS Fwt. L.t.d., vs Maw [India Assuramse Co' M3,, is ate.-gar<Ii11g appeimm-::nt cf cnnsmutiixe suxv'ey'm~s n sale and ptrrchew: tr1mszac1im'xs is not applicable sf she fact that the presani. complaints are diﬁmseni.

5.1? The nppmgezxnt has submitted the mpntmtaci jualgnxeni. IV {'20{)6}C'P3' SZKNC) ~~ Kaﬁymwpxxr Cements Ltd. vs New India Assumncsr C0. Ltd.. 8: Org. wiwrain it is hszld that Hoxfbie National: Ctixnnaissimz. that purchase of items mt {ml}; dmamfui. it appaazs to have beam snanipuiated far raising ciaim, opgmsite "party nui F;:sbls:. in the pmscni c.-me. insureci ~ .1 »*- \\l<,A\kx.R',\ K.' « v~.»\ m.x..»wuui ¥!um§\1lw§§4'§'j;§?& companv failed. ta rmrc: shat ciaim is ftaudulenily mania and hi"§i;"ws:se mani mat-sci :3: ~ '9 . . 3|: F missing the claim and tharefure this judgment mm mm heip the wppanezat.

5.13 in vic.w efthe abuve tiiscussinn and given reasxms, the mmplaint is proved partly for the :':(2»ge:m'.e:x*i-:ie1'm:: zmd cxiabiished deiiciesauy in sen-{ea afthe opponent , Thereftna, we pass the ihikwwixzg order:

OREJER ._L,C»an113I;_a_.i_s:_1__ 'E'u'u».2+E§ of 2£}04 Shri Amitk'___ug_x;r R.Pa';,t:1 E The wmgaiaitat is psrﬁg-' ;1Hm\"<'.d.

2. The opponent is directed in Rs. l§§,3£L5i1.f~ with 6% intewsi from i, 1 L${?.,20{32 tiﬁ Iealizaiitstz.

3. The agaponerm is directed m»pa:_x;»' Rs. IiL{}ﬂ0»"» inwards the -costs 2, t'IT(mmEa*.rn nf'2i3G»"i Shri Ni1m.s.h§mm.ar R E;_t_t_§_1 I The cmnplaim is paz'il§= Lsiicsxwci.

2,. 'L e Qgapoitent is directed to pay 'R.s.2¥m»i,et94 M- with 6% intexest from EU i}.;?.0Q2 iiil r€*a';i:a.;3ﬁQn.

The oppormcmt is directed tn pay Rs. 1{),Q@ﬂ:'1~mwards me casts Accarﬁingly-' <:0n1p1aint'Na.'36 @2004 and 27 cf E<}{)4 are dispnsed off.

Prunvzmnced in the open murt x3:1rm_}______'.__mA if G A A!~}Li.iz-\.) Presiding Mcmbxzr :1; B}-i'AR.A'i' JGSHI } Member

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Nileshkumar Ranchodbhai Patel vs The Oriental Insurance Co Ltd on 18 August, 2009