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2025 Supreme(Online)(NCDRC) 2448
NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
DR. INDER JIT SINGH, PRESIDING MEMBER, DR. SADHNA SHANKER, MEMBER
GYANOJI – Appellant
Versus
M/S. NATIONAL INSURANCE COMPANY LTD. & ANR. – Respondent
REVISION PETITION NO. NC/RP/1111/2023 | REVISION PETITION NO. NC/RP/1115/2023 | REVISION PETITION NO. NC/RP/1114/2023 | REVISION PETITION NO. NC/RP/1203/2023 | REVISION PETITION NO. NC/RP/1169/2023 | REVISION PETITION NO. NC/RP/1168/2023 | REVISION PETITION NO. NC/RP/1166/2023 | REVISION PETITION NO. NC/RP/1118/2023 | REVISION PETITION NO. NC/RP/1158/2023 | REVISION PETITION NO. NC/RP/1157/2023 | REVISION PETITION NO. NC/RP/1156/2023 | REVISION PETITION NO. NC/RP/1155/2023 | REVISION PETITION NO. NC/RP/1154/2023 | REVISION PETITION NO. NC/RP/1153/2023 | REVISION PETITION NO. NC/RP/1151/2023 | REVISION PETITION NO. NC/RP/1150/2023 | REVISION PETITION NO. NC/RP/1136/2023 | REVISION PETITION NO. NC/RP/1142/2023 | REVISION PETITION NO. NC/RP/1141/2023 | REVISION PETITION NO. NC/RP/1134/2023 | REVISION PETITION NO. NC/RP/1132/2023 | REVISION PETITION NO. NC/RP/1131/2023 | REVISION PETITION NO. NC/RP/1129/2023 | REVISION PETITION NO. NC/RP/1128/2023 | REVISION PETITION NO. NC/RP/1120/2023 | REVISION PETITION NO. NC/RP/1117/2023 | REVISION PETITION NO. NC/RP/1119/2023 | REVISION PETITION NO. NC/RP/1214/2023 | REVISION PETITION NO. NC/RP/1213/2023 | REVISION PETITION NO. NC/RP/1212/2023 | REVISION PETITION NO. NC/RP/1211/2023 | REVISION PETITION NO. NC/RP/1209/2023 | REVISION PETITION NO. NC/RP/1208/2023 | REVISION PETITION NO. NC/RP/1206/2023 | REVISION PETITION NO. NC/RP/1192/2023 | REVISION PETITION NO. NC/RP/1191/2023 | REVISION PETITION NO. NC/RP/1190/2023 | REVISION PETITION NO. NC/RP/1187/2023 | REVISION PETITION NO. NC/RP/1186/2023 | REVISION PETITION NO. NC/RP/1185/2023 | REVISION PETITION NO. NC/RP/1184/2023 | REVISION PETITION NO. NC/RP/1183/2023 | REVISION PETITION NO. NC/RP/1179/2023 | REVISION PETITION NO. NC/RP/1178/2023 | REVISION PETITION NO. NC/RP/1177/2023 | REVISION PETITION NO. NC/RP/1188/2023 | REVISION PETITION NO. NC/RP/1176/2023 | REVISION PETITION NO. NC/RP/1174/2023 | REVISION PETITION NO. NC/RP/1112/2023 | REVISION PETITION NO. NC/RP/1173/2023 | REVISION PETITION NO. NC/RP/1125/2023 | REVISION PETITION NO. NC/RP/1124/2023 | REVISION PETITION NO. NC/RP/1122/2023 | REVISION PETITION NO. NC/RP/1139/2023 | REVISION PETITION NO. NC/RP/1189/2023 | REVISION PETITION NO. NC/RP/1194/2023 | REVISION PETITION NO. NC/RP/1199/2023 | REVISION PETITION NO. NC/RP/1180/2023 | REVISION PETITION NO. NC/RP/1195/2023
For the Appellants/Petitioners: MR. P.D. DESAI
For the Respondents: MR. DEEPAK SHARMA
Insurance coverage for total crop loss under PMFBY must ensure compensation is paid up to the sum insured, overriding late notification conditions due to widespread calamity.
Headnote:(A) Consumer Protection Act, 2019 - Revisions against orders of State Consumer Commission - Appeal concerning insurance claims under Pradhan Mantri Fasal Bima Yojana (PMFBY) - Farmers affected by hailstorm sought insurance compensation - Insurance company denied claims citing late intimation of loss, arguing claims were settled according to different assessment parameters - The court addressed the reasonableness of requiring intimation within 48 hours amidst widespread calamity - Court emphasized the scheme's intention to provide swift relief for agricultural losses and that the established loss triggered coverage mandating full compensation to farmers - Appeals allowed, orders of District Forum affirmed. (Paras 1-24)
Facts of the case:
The petitioners are farmers who insured crops under PMFBY, sustaining total loss due to hailstorms on 12.02.2018. Following partial allowances of compensation by lower forums, insurance company contested decisions at state commission level, which modified prior rulings affecting claims.
Findings of Court:
The court determined that timely notice of calamity is crucial but must be tempered with the understanding of a market-wide disaster, upholding that the established loss equates to full compensation as prescribed in the scheme.
Issues: Central issues included the interpretation of notification requirements for claims and whether insurance payouts were calculated in line with the scheme regarding local disasters.
Ratio Decidendi: The court ruled that the assessment for total loss due to localized disaster mandated compensation up to the sum insured, irrespective of the insurance company’s procedural objections. The requirement for notification was deemed not enforceable in this context.
Result: Appeals granted, affirming lower court’s decisions entitling farmers to full insured sums.
NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION NEW DELHI REVISION PETITION NO. NC/RP/1111/2023 (Against the Order dated 12th January 2023 in Appeal 1562/2019 of the State Consumer Disputes Redressal Commission Maharashtra)
GYANOJI .......Petitioner(s)
Versus M/S. NATIONAL INSURANCE COMPANY LTD. & ANR.
PARBHANI DISTRICT CENTRAL CO - OPERATIVE BANK, PRESENT ADDRESS - THROUGH ITS MANAGER, BRANCH CHUDAWA, TALUKA PURNA, DISTRICT PARBHANI - 431401, MAHARASHTRA.
.......Respondent(s)
REVISION PETITION NO. NC/RP/1115/2023 (Against the Order dated 12th January 2023 in Appeal 1566/2019 of the State Consumer Disputes Redressal Commission Maharashtra)
NILAVANTI .......Petitioner(s)
Versus M/S. NATIONAL INSURANCE COMPANY LTD. & ANR.
.......Respondent(s)
REVISION PETITION NO. NC/RP/1114/2023 (Against the Order dated 12th January 2023 in Appeal 1565/2019 of the State Consumer Disputes Redressal Commission Maharashtra)
RADHABAI .......Petitioner(s)
Versus M/S. NATIONAL INSURANCE COMPANY LTD. & ANR.
.......Respondent(s)
REVISION PETITION NO. NC/RP/1203/2023 (Against the Order dated 12th January 2023 in Appeal 510/2021 of the State Consumer Disputes SAHAJI PRESENT ADDRESS - NEW DELHI-110048 , .......Respondent(s)
REVISION PETITION NO. NC/RP/1169/2023 (Against the Order dated 12th January 2023 in Appeal 476/2021 of the State Consumer Disputes Redressal Commission Maharashtra)
MOKINDA .......Petitioner(s)
Versus M/S. NATIONAL INSURANCE COMPANY LTD. &ANR.
PRESENT ADDRESS - NEW DELHI-110048 , .......Respondent(s)
REVISION PETITION NO. NC/RP/1168/2023 (Against the Order dated 12th January 2023 in Appeal 475/2021 of the State Consumer Disputes Redressal Commission Maharashtra)
GANPAT .......Petitioner(s)
Versus M/S. NATIONAL INSURANCE COMPANY LTD. &ANR.
PRESENT ADDRESS - R-89, GREATER KAILASH-1,NEW DELHI-110048 , .......Respondent(s)
REVISION PETITION NO. NC/RP/1166/2023 (Against the Order dated 12th January 2023 in Appeal 473/2021 of the State Consumer Disputes Redressal Commission Maharashtra)
JIJABAI PRESENT ADDRESS - NEW DELHI-110048 , REVISION PETITION NO. NC/RP/1118/2023 (Against the Order dated 12th January 2023 in Appeal 1569/2019 of the State Consumer Disputes Redressal Commission Maharashtra)
AVINASH .......Petitioner(s)
Versus M/S. NATIONAL INSURANCE COMPANY LTD. & ANR.
.......Respondent(s)
REVISION PETITION NO. NC/RP/1158/2023 (Against the Order dated 12th January 2023 in Appeal 465/2021 of the State Consumer Disputes Redressal Commission Maharashtra)
BALAJI .......Petitioner(s)
Versus M/S. NATIONAL INSURANCE COMPANY LTD. &ANR.
PRESENT ADDRESS - NEW DELHI-110048 , .......Respondent(s)
REVISION PETITION NO. NC/RP/1157/2023 (Against the Order dated 12th January 2023 in Appeal 464/2021 of the State Consumer Disputes Redressal Commission Maharashtra)
KUSHAVARTA .......Petitioner(s)
Versus M/S. NATIONAL INSURANCE COMPANY LTD. &ANR.
PRESENT ADDRESS - NEW DELHI-110048 , REVISION PETITION NO. NC/RP/1156/2023 (Against the Order dated 12th January 2023 in Appeal 463/2021 of the State Consumer Disputes GAJANAN M/S. NATIONAL INSURANCE COMPANY LTD. &ANR.
PRESENT ADDRESS - NEW DELHI-110048 , .......Respondent(s)
REVISION PETITION NO. NC/RP/1155/2023 (Against the Order dated 12th January 2023 in Appeal 462/2021 of the State Consumer Disputes Redressal Commission Maharashtra)
SHAHAJI .......Petitioner(s)
Versus M/S. NATIONAL INSURANCE COMPANY LTD. &ANR.
PRESENT ADDRESS - NEW DELHI-110048 , .......Respondent(s)
REVISION PETITION NO. NC/RP/1154/2023 (Against the Order dated 12th January 2023 in Appeal 461/2021 of the State Consumer Disputes Redressal Commission Maharashtra)
VISHWANATH .......Petitioner(s)
Versus M/S. NATIONAL INSURANCE COMPANY LTD. &ANR.
PRESENT ADDRESS - NEW DELHI-110048 , .......Respondent(s)
REVISION PETITION NO. NC/RP/1153/2023 (Against the Order dated 12th January 2023 in Appeal 460/2021 of the State Consumer Disputes Redressal Commission Maharashtra)
AMBADAS PRESENT ADDRESS - NEW DELHI-110048 , REVISION PETITION NO. NC/RP/1151/2023 (Against the Order dated 12th January 2023 in
