GHULAM MOHAMMED, J.

( 1 ) THE petitioner herein claims to be the brother of deceased N. Srinivas, who has taken Janata Personal Policy No. 20725/50425/97 by paying the premium of Rs. 1,250. 00 and obtained a policy covering the period of insurance from 30-12-97 to 30-12-2007 and that he died on 22-10-1998. The terms and conditions policy covers all accidental deaths and other personal injuries or disabilities except those excluded categories mentioned in clauses 3 and 4. The petitioner herein was shown as nominee in that policy. The petitioner herein gave an intimation by letter dated 28-12-1998 to the respondents-Insurance company about the death of his brother and also cause of his death as per the First Information Report and submitted all other certificates such as policy bond. Panchanama, post-mortem report, death certificate, legal heir certificate, etc. to the respondents-Insurance company for settling the claim. All the above certificates were acknowledged by the authorities concerned, and there was no action to settle the claim. The petitioner herein therefore issued a legal notice on 20-4-1999 and thereafter also as no action was taken, the petitioner by invoking the extro

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