ground that the Complainant had
obtained the said policy by impersonation. He had provided false and
misleading information to the Company. The issue of impersonation ... documents and concluded
that the said policy had been obtained by impersonation by providing
false information. The Life Assured had reported to have expired within
made the claim. Since there was fraudulent submission of
proposal form by impersonation the claim was repudiated. She was not entitled to any amount ... custody of naxalities from
28.4.1996 to 5.5.1996. His brother
Ramesh Reddy by impersonation applied
and obtained the policy.
It was void-ab-initio. Therefore
legal and the respondents have not mentioned as to who impersonated
the insured and for what reasons and how medical examination was wrong ... intention on the part of said Kuldeep
Singh, nor there was any impersonation. The deceased did not conceal any
fact about his income and health
induced the appellant to accept risk of his life by way of impersonation and
forgery and deliberately did not appear before the medical examiner ... time of his medical examination and someone else impersonated on his
behalf just to play fraud with the appellant, as per handwriting expert report
dated
years. He had obtained the
insurance policy by way of impersonation and he had not signed the special
medical reports. He had also ... taken the plea that Kuldeep Singh had
purchased this Insurance Policy by impersonation. In support of this plea, the
appellants have placed reliance
medical
examination conducted from the Doctor of the LIC by impersonation, which
has been proved beyond doubt by the Forensic Expert Report, as such ... medical examiners reports, which were
procured by the life assured by impersonation. The life assured had
induced the appellant to enter into the insurance agreement
points for
consideration are :
(i)
Since
fraud, impersonation etc alleged whether this Commission can entertain the
complaint ?
(ii)
Whether
the opposite parties rendered deficient service ... such complicated questions in this matter.
When the allegation about impersonation is made a detailed enquiry with
regard to FIR, death Certificates and post mortem
respondents was, that the
policy had been obtained by fraud, misrepresentation and impersonation and
these questions cannot be gone into in summary proceedings under ... leave all questions including those of alleged fraud,
misrepresentation as well as impersonation open. Because whether or not the deceased-life assured allegedly
having appeared
Commissioner of Police also
concluded that the address of the impersonator was also found bogus. Since the
material on record clearly makes out that ... account with PNB was opened by a
bogus person impersonating as Sh. Harishankar
Sah whose introducer was also some fictitious person,
deficiency in service
learnt that Ganghadhar
deposited the above title deeds
by forging his signature, impersonated him, took loan from the bank. When he received notice from ... deposited the title deeds of the complainant by forging and by impersonating him as complainant and whether he was entitled to return of documents
