IMPORTANT POINT
Delay in filing FIR and in informing insurance company may vitiate insurance cover.

Rekha Gupta, Presiding Member—The present revision petition has been filed against the judgment dated 13.07.2016 of the Chhattisgarh State Consumer Disputes Redressal Commission, Raipur (‘the State Commission’) in FA No. 2016/ 194.

2. The brief facts of the case as per the petitioner/ complainant are that the petitioner was the registered owner of vehicle no. CG 13 A 4699. The said vehicle was insured with the respondent/ opposite party for the period 26.12.2009 to 25.12.2010. The petitioner a registered contractor of A 5 Category was undertaking the work of construction in village Guma Akola, Ghat Near Kharun River. On 22.07.2010 due to heavy rainfall, the petitioner’s subordinate employees working under the petitioner were standing near the vehicle. On the morning of 23.07.2010, the petitioner’s subordinate employees saw some unknown person stealing the four tyres, one volt exide battery, jack and wheel spanner. An FIR was filed at police station in Urla which was registered as 149 of 2010. The incident of theft was reported to the insurance company. The insurance company appointed a surveyor. Entire documents was provided to the surveyor and list of material installed in the petitioner’s vehicle which was worth Rs.1,00,000/- was also provided to the respondent. The insurance company did not settle the claim of the petitioner, hence, the present complaint.

3. Respondent/ opposite party – insurance company filed their written statement and contended that the petitioner had filed the report after 12 days and the information given to the insurance company was also delayed. Petitioner has failed to file the original documents, i.e., certificate of registration, fitness certificate, load challan and the driving licence. Hence, the respondent prayed that the complaint of the petitioner be rejected.

4. The District Consumer Disputes Redressal Forum, Raipur C G (‘the District Forum’) vide its order dated 06.03.2016 has partially accepted the complaint and gave the following order:

“Therefore, on the basis of the above considerations, we partially accept the complaint submitted by the complainant and is ordered within a period of one month from the date of the order:-

1. Non applicant shall pay Rs.75,000/- from the complaint date – 15.07.2011 to till payment date with 6% simple annual interest to the complainant;

2. Non applicant shall pay Rs.10,000/- for cause mental harassment to the complainant; and

3. Non applicant shall also pay Rs.2000/- as suit cost and advocate fees to the complainant”.

5. Aggrieved by the order of the District Forum, the respondent/ opposite party filed an appeal before the State Commission. The State Commission while allowing the appeal and setting aside the order of the District Forum observed as under:

“In this case first information report was registered after 10 days and information was given to the insurance company after about 11 days and no satisfactory explanation was given in this regard and is in violation of the insurance terms and conditions. Given illustration of the mentioned (Supra) complainant taking support of that judicial illustration not benefited to the complaint and not submit any document in respect of loss by complainant and without document only mentioned in the complaint is not sufficient. Though, the complainant violated the condition of Insurance and in this situation complainant not entitled to get any claim amount.

Analysis of the above order of District Forum is not sustainable. Complainant is not entitled to get any compensation on non-standard basis.

Therefore, appeal filed by appellant/ non- applicant accepted and set aside the impugned order of District Forum dated 04.03.2016. Consequently, the complaint to be rejected.”

6. Hence, the present revision petition.

7. Learned Counsel for the petitioner was given many opportunities to argue the matter but we found that he was not prepared and unable to do so. Even today he is unable to argue the matter, henc