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DAYA CHAUDHARY, URVASHI AGNIHOTRI
Cholamandalam MS General Insurance Company Limited – Appellant
Versus
Uttam Singh – Respondent
ORDER
Daya Chaudhary, President.—
Misc. Application No.984 of 2021 (Addl. Evidence)
The appellant/opposite party No.2 has filed the said application for placing on record the copy of the Insurance Policy along with its terms and conditions, Survey Report and letter dated 16.04.2019 as Annexures A-3 to A-5 by way of additional evidence.
The application is supported by an affidavit. These documents are stated to be necessary for disposal of the present case.
Heard.
For the reasons recorded in the application, the same is allowed as prayed and the said documents are taken on record.
Main Case
Appellant/Opposite Party No.2 i.e. Cholamandalam MS General Insurance Company Limited, 2nd Floor, ‘Dare House’ No.21, NSC Bose Road, Chennai-600001, India, through its Authorized Signatory, now through Vidhi Passi, Assistant Manager (Legal), Regional Office, SCO No.2463-2464, Sector 22-C, Chandigarh has filed the present appeal under Section 41 of the Consumer Protection Act, 2019 against the order dated 04.02.2021 passed by the District Consumer Disputes Redressal Commission, Ferozepur (in short, “the District Commission”), whereby the complaint filed by respondent No.1/complainant was allowed aga
(1) Registered Owner - The complainant has rightly been held entitled to the claim, being the registered owner of the vehicle as the Registration Certificate and Insurance Policy were still in his na....
Insurable interest must exist at the time of the accident for insurance claims, and mere transfer of ownership does not invalidate entitlement if proper documentation is maintained.
(1) Start of the 14-Day Grace Period – Under Section 157(2) of the Motor Vehicles Act, the statutory 14-day window for a new vehicle owner to transfer the existing insurance policy begins on the date....
Contractual obligations under vehicle insurance policy are specific and can only be discharged as per terms and conditions of policy.
The insurance company remains liable for compensation regardless of vehicle ownership transfer, as long as the vehicle was insured and no policy violations occurred.
Damage to car in accident—Where total cost of repair is higher than 75% of insured declared value (IDV) it is a case of total loss.
Driving License – As it is proved that the vehicle was in stationary condition, therefore, there was no necessity of driving licence of the insured and in the given facts and circumstances of the cas....
Insurers under Act Policies are not liable for occupant injuries in vehicle accidents, highlighting the distinction from comprehensive policies that cover such risks.
Transfer of Insurance Policy - As the complainant has failed to transfer the Insurance policy in his name from earlier owner of the vehicle, therefore, he cannot claim any compensation from the oppon....
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