Sandeep Kumar vs United India Insurance Company Limited on 29 August, 2022
In Asgar Khan vs Permanent Lok Adalat & Anr., L.P.A. No.1409 of 2016 (O&M) in Civil Writ Petition No.2189 of 2016, decided on 17 February, 2020, it was held by the Hon'ble Punjab-Haryana High Court that ".....It is not uncommon that all the insurance companies, be it public sector undertaking or private insurance company, would issue lucrative offers and incentives, so as to attract maximum number of citizens. However, the moment any insured puts even the most genuine claim, seldom said claim would be accepted by any insurance company. Most of the times, as it has been experienced in the recent past, even the genuine claim would be rejected on one or the other technical or flimsy ground, giving rise to such kind of avoidable litigation. In fact, thrust of the insurance companies is, as to how and on what grounds, including baseless ones, claims can be repudiated, instead of settling the same proceeding on a reasonable approach. They always keep their consumers misinformed or misguided. At the time of accepting premiums, there would be no technical grounds in their schemes. However, when any insured puts his genuine claim, the insurance companies will repudiate that claim on technical and super technical grounds, which were not even known to the insured. Thus, even genuine policyholders are losing faith in the institution and insurance industry is getting infamous, earning a bad name.....". In the present case, the complainant has not only suffered huge mental agony and harassment but also suffered a lot from the misleading statements of opposite parties no.1 to 3, which were highly irresponsible, unwarranted, illegal and false. As such, the said act and conduct of opposite parties no.1 to 3 need to be deprecated and the complainant needs to be suitably compensated in the matter.