V.K. Jain, Presiding Member—Late Shri Sanjay Verma, husband of the complainant / petitioner, owned a car which he had got insured with the respondent. On 21.9.2008, the aforesaid car met with an accident and the husband of the complainant died in that accident. The case of the petitioner / complainant is that information of the accident was given to the insurer after 5-6 days and one Mr. Panjwani was appointed as the Investigating Officer to inspect the site, take photographs and assess the loss. The aforesaid policy also provided a Personal Accident Cover of Rs.2.00 lacs to the insured, provided he was himself driving the vehicle at the time of the accident and was holding a valid driving license at that time. The grievance of the petitioner / complainant in the subject complaint was only with respect to non-payment of the personal accident benefits of Rs.2.00 lacs. The petitioner / complainant claimed the aforesaid amount along with interest and compensation, thereby making an aggregate of Rs.3,46,500/-.

2. The complaint was resisted by the respondent, which denied having received any information of the accident from the complainant 5-6 days after the accident and alleged th