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HIMACHAL PRADESH STATE CONSUMER DISPUTES REDRESSAL COMMISSION, SHIMLA
Member, J
Bajaj Allianz General Insurance Company – Appellant
Versus
Smt. Madhubala & Ors. – Respondent
| Table of Content |
|---|
| 1. overview of the complaint and facts. (Para 1 , 2 , 3 , 4 , 5) |
| 2. arguments from both sides regarding the claim. (Para 10 , 11) |
| 3. court's observations on insurer responsibilities. (Para 12 , 13 , 14 , 15 , 16 , 17 , 18) |
| 4. final ruling on deficiency in service and claim handling. (Para 21 , 22) |
| 5. conclusion of appeal and order. (Para 23 , 24 , 25) |
1. Instant appeal is arising out of the order dated 3.9.2022 passed by Learned District Consumer Commission, Kangra at Dharamshala, in Consumer Complaint No. 94/2022 titled Smt. Madhubala & Ors. v. Bajaj Allianz General Insurance Company & Ors.
2. Brief facts of Case:
Brief facts of the case are that the complainants are legal heirs of late Sh. Prem Singh, who expired on 25.8.2021. Late Sh. Prem Singh was owner of TVS Jupiter having registration No. HP - 38G - 4772. The said TVS Jupiter was insured with opposite parties No. 1 & 2 / Insurance Company and paid Rs. 3,616 as premium of insurance. The policy was effective w.e.f. 23.7.2021 to 22.7.2022. On 23.8.2021, the said vehicle met with an accident, in which, predecessor - ininterest of complainants Sh. Prem Lal sustained serious injuries and ultimately on 25.8.2021 died at A
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