2025 Supreme(Raj) 2356

HIGH COURT OF JUDICATURE FOR RAJASTHAN, BENCH AT JAIPUR 
ASHUTOSH KUMAR, J.
United India Insurance Company Ltd., Through Its Authorized Signatory – Appellants
Versus
Smt. Manju Kanwar, W/o. Late Shri Shivraj Singh – Respondents 
S.B. Civil Miscellaneous Appeal No. 4016 if 2015 Connected With S.B. Civil Miscellaneous Appeal No. 4913 of 2015
Decided On : 06-12-2025

Insurance companies must adhere to statutory requirements for settling claims, with the burden of proof lying on claimants to establish their entitlement to compensation.

Headnote:(A) Insurance Act, 1938 - Sections relevant to claims assessment and liability - Confirmed that insurance companies must adhere to the statutory requirements laid out for settling claims - The essence of providing just compensation forms the core of insurance liability. (Paras 5, 6)

(B) Claim for compensation - Burden of proof lies with the claimant to establish the extent of loss or damage claimed - Insurance contracts necessitate clear demonstration of claims related to coverage provided. (Paras 7, 8)

Facts of the case:
The appellants contested the claims made by the respondents following a vehicular accident resulting in the death of the insured. The trial court found in favor of the respondents, directing compensation based on established evidence.

Findings of Court:
The court upheld the lower court’s analysis, emphasizing the importance of the insurance contract terms in determining liability.

Issues: The key issue was whether the appellants fulfilled their obligations under the insurance policy and if the compensation awarded was just.

Ratio Decidendi: The court reinforced the principle that insurers are obligated to pay claims as per the policy agreement and highlighted the claimant's burden of proof in establishing the claim.

Result: Appeals dismissed.

ORDER :

ASHUTOSH KUMAR, J.

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