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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION, NEW DELHI
C. Viswanath (Presiding Member), * Ram Surat Ram Maurya (Member)
Ram Company – Appellant
Versus
United India Insurance Company Ltd. – Respondent
| Table of Content |
|---|
| 1. background facts of the insurance claim. (Para 2 , 3) |
| 2. insurer's response and main arguments. (Para 4) |
| 3. verify documentation and evidence submission. (Para 5 , 6) |
| 4. surveyor's assessment and contradictions. (Para 7 , 8) |
| 5. assessment of damages and valuation disputes. (Para 9 , 10 , 16 , 17) |
| 6. claim misrepresentation and evidence credibility. (Para 11 , 12 , 13 , 14 , 15) |
| 7. legal obligations regarding timely report submission. (Para 18) |
1. Heard Ms. Annu Arora, Advocate, for the complainants and Mr. Abhishek Kumar, Advocate, for the opposite parties.
2. Ram Company and another (the complainants) (hereinafter referred to as the Insured) filed aforementioned complaint, for directing United India Insurance Company Ltd. (opposite party - 1) (hereinafter referred to as the Insurer) to pay (i) Rs. 2,85,60000 as insurance claim, along with interest at the rate of 24% per annum on the said amount, w.e.f. 18.12.2010 till actual payment, under Insurance Policy Nos. 221000/11/10 / / 13/00000110, 221000/11/10 / / 11/00000111 221000/11/10 / / 11/00000112. (ii) Rs. 50,00,000 as compensation for mental agony and harassment, due to negligence and deficiency in service, (iii) c
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