M/S. Madhudhar Petrochem vs Oriental Insurance Co. Ltd. on 19 March, 2019
11. From the above, it is clear that doors were not shut for the insured by the Insurance Company as some more information and certain more documents were asked by the Insurance Company from the insured. Obviously the complainant started new dialogue with the Insurance Company and many letters were exchanged between them. In these circumstances, if the complainant thought of pursing with Insurance Company and not pursuing the appeal against the order of dismissal of the complaint of the complainant with a view to get his claim without any further litigation, there seems to be no deliberate inaction or negligence on the part of the complainant. Finally, when the Insurance Company rejected the claim on 18.04.2013 and his representation was also rejected by the Grievance Committee of the Insurance Company, then there was no option with the complainant but to file the consumer complaint on the basis of cause of action arising out of final repudiation letter. Thus, it is clear that the first complaint was filed when the complainant had not received any reply from the Insurance Company on the claim submitted by him to the Insurance Company whereas the second complaint has been filed when the claim has been repudiated finally by the Insurance Company. Clearly though the parties are same yet the cause of action in these complaints is not exactly the same. Moreover, the Hon'ble Supreme Court in New India Assurance Co. Ltd. Vs R. Srinivasan (supra) has clearly observed the following:-