VINOD S. BHARDWAJ
Reliance General Insurance Co. Ltd. – Appellant
Versus
Devender Yadav – Respondent
VINOD S. BHARDWAJ, J.
1. Challenge in the present petition is to the Award dated 14.05.2016 (Annexure P-1) passed by respondent No.2- Permanent Lok Adalat (Public Utility Services), Rewari.
2. Briefly summarized, the facts of the present case are that Mr. Devender Yadav, the registered owner of the vehicle No.HR-36L-7765, is stated to have sold the vehicle in favour of one Yadvinder son of Jai Lal and executed a Special Power of Attorney on 12.06.2009. The vehicle in question had been got insured vide Policy No.2013542311012406 for a period of one year from 30.09.2014 to 29.09.2015. The premium for the above policy was undisputedly deposited by the Special Power of Attorney itself. On 20.10.2014, the Special Power of Attorney holder of the owner- Devender Yadav was coming from Kosli to his village, driving the abovesaid vehicle. When he reached near railway crossing, two persons stopped the vehicle for taking lift and eventually they snatched the said vehicle. An FIR was registered qua the said incident on the same date at Police Station Kosli. The vehicle could not be traced out. Thereafter, the claim was lodged through the Special Power of Attorney holder. A surveyor/investigator w
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The Permanent Lok Adalat must assess the merits of insurance claims and cannot substitute its reasoning for that of the insurance company, especially in cases of procedural lapses.
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The Permanent Lok Adalat has jurisdiction over insurance claims, and while due process was followed, the award must reflect the depreciated value of repairs.
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