Judgment

Sethi, J.-Whether the insured is estopped from making any further claim from the insurer after accepting the insurance claim amount in full and final settlement of all the claims by executing the discharge voucher willingly and voluntarily without any protest or objections?

Whether inspite of the acceptance of the claim amount and execution of discharge voucher voluntarily, the insured is entitled to the grant of any interest?

Whether the Consumer Disputes Redressal Commissions constituted under the Consumer Protection Act, 1986 are entitled to fasten liability against the insurance companies over and above the liabilities payable under the contract of insurance envisaged in the policy of insurance? are the main questions of law required to be adjudicated in all these appeals.

2. In Civil Appeal No. 535 of 1994 the respondent No. 1 had procured two policies Nos. 201202-11-43-11-01234-90 from the appellant-insurance company. Similarly in Civil Appeal No. 723 of 1994 respond­ent No. 1 had procured two insurance covers operative from 20th Octo­ber, 1989 to 19th June, 1990 to the extent of Rs. 1,00,000/- and from 3rd April 1990 to 29th June, 1990 to the extent of Rs. 10,00,000/-