Suresh Chandra, Member—A consumer complaint in this case was filed by the petitioner herein before the District Forum. According to the petitioner, she is sister of insured person late Rajesh Singh and also nominee in the policy in question. The insured had taken a personal accident policy for Rs. 2,50,000/- and in the event of death, the insured was allowed to a benefit of another Rs.2,50,000/- thus the benefit totalling to Rs.5,00,000/- to be paid. The policy was taken on 07.09.2001 for a period of one year, i.e, upto 06.09.2002. Earlier also, the insured had taken a policy from 1.8.99 to 31.7.2000 and later the same policy from 7.9.2001 to 6.9.2002. The policy in question, therefore, was the third policy taken by the insured during his life time. During the currency of the third policy, the insured Rajesh Singh died due to an accident on 16.3.2002. A FIR was lodged and postmortem was also carried out. After investigation, the police submitted ‘final form’ as the occurrence true but the accused could not be traced out. Local Chief Judicial Magistrate accepted the ‘final form’. The complainant being the nominee under the policy submitted a claim to the OP Insurance Co. but on