JUDGMENT :

1. The Life Insurance Corporation of India and Anr. (LIC) is in appeal against the order of J&K State Consumer Grievance Redressal Commission, Srinagar (for short Commission) dated 24.10.2018, whereby the Commission has allowed the complaint of the respondents and has awarded a sum of Rs. 6 lacs along with 9% interest in favour of the respondents. The respondents have also been held entitled to litigation expenses of Rs. 25000/-.

2. Briefly stated the facts gatherable from the pleadings of the parties as are relevant to the disposal of this appeal are that the father of the respondents had obtained Life Insurance Policy with Rs. 3 lacs as sum assured. The policy was issued by LIC in favour of father of the respondents on 28.03.2006. The life insurance policy obtained by father of the respondents contained a clause of “Double Accident Benefit” cover, which provided that in case the life insured would die due to accident during currency of the policy, the insurer i.e., Life Insurance Corporation would be liable to pay double the sum assured.

3. That during the validity of the insurance policy, the insured i.e., the father of the respondents accidently fell from veranda of his