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INDER SINGH MEHTA, R. K. VERMA
Future General India Insurance Company Ltd. – Appellant
Versus
Sewak Ram Bhardwaj – Respondent
ORDER
Inder Singh Mehta, President—Instant appeal is arising out of the order dated 07.07.2022 passed by Learned District Consumer Commission, Solan, in Consumer Complaint No.107/2018 titled Sh. Sewak Ram Bhardwaj Vs The Baghat Urban Co-Operative Bank Ltd. & Ors.
Brief facts of Case:
2. Briefly, the case of the complainant is that complainant constructed his residence after investing huge amount and after obtaining financial assistance from opposite parties No.1&2/Baghat Bank. The house of complainant was insured by opposite parties No.1&2/Baghat Bank from opposite party No.3/Insurance company. Initially house of complainant was insured for a sum Rs.4.00 lacs and after enhancement of loan, house was insured for Rs.14.00 lacs. The opposite parties neither issued insurance policy to complainant nor issued receipt of premium, but when dispute arose then opposite party No.2 had handed over the receipt thereof to complainant. The insurance policy covered entire loss and damages caused by natural calamity to the house of complainant, but opposite parties with malafide intention have not issued insurance policy to the complainant in collusive and fraudulent manner. The complainant has all
Insurance – In absence of requisite evidence from Complainant to support peril covered under policy, no liability can be fastened upon Insurer.
1) Though all required documents were submitted by the Respondent to the Appellant, claim of the Respondent was repudiated by the Appellant for not supplying the documents.2) Calculation made by surv....
The court affirmed that contracting insurance does not exempt individuals engaged in commercial activities from consumer protection rights.
Insurance claims must prove the cause of loss without reliance on unsupported allegations.
Inundated - The rainfall measured 24 cm on a single day on 24th August, 2000. Many areas of these cities were inundated. As such, it is proved that cause of loss was inundation due continuous rain fa....
Insurance policies cannot be repudiated without clear evidence, and ongoing communications may extend limitation periods for claims under the Consumer Protection Act.
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