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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
AVM J. RAJENDRA, MEMBER, Mr. Subhash Chandra, PRESIDING MEMBER
Cholamandalam MS General Insurance Co. Ltd. – Appellant
Versus
Shri Padma Rice Mill – Respondent
| Table of Content |
|---|
| 1. insurance coverage and incident details (Para 3 , 4 , 12) |
| 2. maintainability and jurisdiction of complaints (Para 5 , 6) |
| 3. assessment of damage and importance of surveyor's report (Para 7 , 14 , 19) |
| 4. contract terms and under-insurance principles (Para 9 , 10 , 18) |
| 5. final assessment and appeal outcome (Para 22 , 23 , 24) |
JUDGMENT
AVM J. RAJENDRA, AVSM VSM (Retd.), MEMBER
1. This Appeal is filed by OP under Section 19 of the Consumer Protection Act , 1986 (“the Act”), against the Order dated 07.07.2016 passed by the State Consumer Disputes Redressal Commission, Chhattisgarh (“State Commission”) in CC No. 29 of 2015, wherein the State Commission partly allowed the complaint.
2. As per the Registry report, there 20 days delay in filing this First Appeal and in the interest of justice, the delay is condoned.
3. Brief facts of the case, as per the complainant, are that the complainant is in the business of processing, purchasing and selling of the various variety of rice and paddy and other connected product for livelihood in the name of Shri Padma Rice Mill. The Rice Mill is situated at Village Tarsiwa, District Dhamtari, where the processing, storage and purchase sale
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