Mr. Justice D.R. Vithal Rao, President— This appeal by the complainant is directed against the order dated 29.12.94 passed by the District Forum, Madikeri in Complaint No. CPA/ K.69/94, dismissing the complaint.

The facts, briefly stated, are as follows : —

2. The husband of the complainant, late Shivacharya Shivalingappa had obtained a Life Insurance Policy for a sum of Rs. 1,00,000/- on 31.8.90 covering the accidental risk, that is, if ever the insured were to die out of the accident, the L.I.C. shall pay the amount equivalent to the sum insured to the legal heirs of the insured. The insured, the husband of the complainant met with an accident at about 4.00 p.m. on 21.8.93, while returning to his house on his motor-cycle and died due to the head injury sustained by him.

3. The complainant, thereafter, made claim with the opposite party for the amounts under the policy. The opposite party settled the claim on 9.1.94 and made payment of the insured amount of a sum of. Rs. 1,00,000/- to the complainant, but declined to make the payment of the amount equivalent to the sum insured under the accidental benefit amount. The opposite party repudiated the claim of the complainant of thi