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 Amandeep Hospital Pathankot. FIR to this incident was lodged. The opposite parties had received premium for personal accident claim, but opposite parties / Insurance Company refused to pay the personal accident claim and repair charges of vehicle, i.e. Rs.15,15,500 to the complainants on the ground that deceased was not having valid license for driving two wheeler