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SRIKANT PANDEY, MONIKA MALIK
Mohan Singh Baghel – Appellant
Versus
Oriental Insurance Company Limited – Respondent
ORDER
Dr. (Mrs.) Monika Malik, Member—This is an appeal by the complainant / appellant against the order dated 17.08.2017 passed by the District Consumer Disputes Redressal Commission, Seoni (for short ‘District Commission’) in complaint case no.63/2015, whereby the District Commission has partly allowed the complaint filed by him.
2. Case of the complainant / appellant is such that he is the owner of the Tractor bearing registration no. MP22-AA-1061, which was insured with the opposite party / respondent – Oriental Insurance Company Limited (hereinafter referred to as ‘Insurance Company’) for a period w.e.f. 14.02.2011 to 13.02.2012 for an insured declared value of Rs.2,50,000/-. On 08.09.2011 the subject vehicle was stolen regarding which police report was lodged. The Insurance Company was duly intimated regarding the matter. On claim being filed, the Insurance Company paid only Rs.1,87,650/- via online medium and the same was adjusted in the complainant / appellant’s loan account. It is alleged that Rs.62,350/- were left unpaid by the Insurance Company. The complainant / appellant therefore, filed the complaint before the District Commission, seeking relief.
3. The Insurance Com
1. Delay in filing FIR and insurance claim to be condoned if reasonable explanation given, especially in case of theft of vehicle.2. Mere delay cannot be a reason for not providing claim as per Apex....
Assessment - Taking into consideration the extent of loss observed by the surveyor, the assessment of loss at Rs. 90,000/- made by the surveyor, cannot be justified and does not commensurate to the a....
Damage to insured vehicle in accident – Insurance company may not pay full cost of repair – They deduct specific amount based on depreciation, policy exclusions etc.
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