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Date of Institution : 04.11.2025

Date of Final Hearing : 02.07.2026

Date of Pronouncement : 20.07.2026

BEFORE THE DISTRICT CONSUMER DISPUTES REDRESSAL

COMMISSION: KURNOOL

Present: Sri Karanam Kishore Kumar, B.A., B.L., President

Sri N.Narayana Reddy, B.A., B.L., Member

And

Smt S.Nazima Kausar, PGDBM., M.Com., MBA., B.Ed., Member

Monday the 20^thday of July, 2026

CONSUMER COMPLAINT No.174/2025

Between:

mt. Gandla Prameela,

W/o. Late Gandla Mulaiah,

R/o. H. No. 1-265-2,

NGO’s Colony,

Banaganapalli Post & Mandal,

Nandyal District - 518124. …COMPLAINANT

(Through: Sri P.Siva Sudarshan, Advocate)

-VS-

1. ICICI LOMBORD General Insurance Company Limited,

Represented by its Authorized Signatory,

ICICI LOMBORD House,414 Veersavarkar Marg

Near siddi Vinayaka Temple Prabhadevi,

Mumbai – 400025

2. ICICI LOMBORD General Insurance Company Limited,

Represented by its Branch Manager,

Shop No.23&24, 2nd Floor,

Uconplaza,park road,

Kurnool -518001. …OPPOSITE PARTIES 1 & 2

(Through: Sri P.Ramanjaneyulu, Advocate)

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ORDER

(As Per Smt S.Nazima Kausar, Women Member on behalf of the Bench)

CONSUMER COMPLAINT No.174/2025

1. This complaint is filed under section 34 and 35 of the Consumer

Protection Act, 2019, praying to direct the opposite parties:-

a. Direct the opposite party to pay the insured amount of

Rs.50,00,000/- with interest @ 24% per annum from the date of

death of the policyholder (28.07.2025) till the date of realization,

along with all policy benefits.

b. Award compensation of Rs.1,00,000/-towards mental agony and

harassment,

c. Award costs of this complaint.

And

d. Grant such other and further reliefs as the Hon’ble

Commissiondeems fit and proper in the circumstance of the case.

2. The case of the complainant in brief runs as follows:-The complainant

states that he is a resident of Nandyal District. Opposite Party No.1 is the

ICICI LOMBORD General Insurance Company Limited, represented by its

Authorized Signatory, Mumbai, the opposite party No.2 is theICICI

LOMBORD General Insurance Company Limited, represented by its Branch

Manager, Kurnool.

The complainant, being the nominee of her deceased husband, Late

Sri Gandla Mulaiah, submits that he had obtained a life insurance policy

from the Opposite Parties for an accidental benefit of Rs.50,00,000/-. The

policy was valid from 09.06.2025 to 08.06.2028. The annual premium

payable under the policy was Rs.14,445/-.

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On 28.07.2025, the insured died in a road accident after being hit by

a rashly and negligently driven mini truck. A criminal case was registered by

Gospadu Police, and upon completion of the investigation, a charge sheet

was filed before the Judicial First Class Magistrate, Allagadda.

After the death of the insured, the complainant submitted a claim

along with all requisite documents, including the policy, death certificate,

FIR, inquest report, post-mortem report, and charge sheet. However, the

Opposite Parties repudiated the claim on the ground that the "Police Final

Report" had not been submitted.The complainant contends that the charge

sheet filed by the police itself constitutes the final report after investigation

and that the same had already been submitted to the Opposite Parties.

Therefore, the repudiation of the claim is arbitrary, unjustified, and

amounts to deficiency in service and unfair trade practice, causing financial

loss and mental agony to the complainant.Hence, the complaint.

3. The right of Opposite Parties 1 and 2 are filed its written version

contending that the complaint is not maintainable either in law or on facts.

The Opposite Party submits that the complainant failed to furnish all the

requisite documents necessary for processing the accidental death claim.

Accordingly, letters dated 31.10.2025 and 02.11.2025 were issued to the

complainant at her correct address, calling upon her to submit the required

documents. Although the said communications were duly received, the

complainant neither responded nor furnished the necessary documents.

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Opposite party submitted that, in the absence of the