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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
AVM JONNALAGADDA RAJENDRA, PRESIDING MEMBER, MR. ANOOP KUMAR MENDIRATTA, MEMBER
The Branch Manager, Life Insurance Corporation of India, Palamaner Branch, Palamaner Town, Post & Mandal, Chittoor District, Andhra Pradesh – Appellant
Versus
M. Charan Reddy – Respondent
| Table of Content |
|---|
| 1. legitimacy of the insurance claims process. (Para 1 , 2) |
| 2. assertion of beneficiary's claim against repudiation. (Para 3 , 4 , 5) |
| 3. challenges to claims and responses from the insurer. (Para 6 , 7 , 8) |
| 4. determining burden of proof in insurance contracts. (Para 11 , 12 , 13 , 14) |
| 5. final decision regarding claim denial and jurisdiction. (Para 15 , 16 , 17) |
JUDGMENT
AVM JONNALAGADDA RAJENDRA, AVSM, VSM (Retd), MEMBER
1. This Revision Petition has been filed under Section 21 (b) of the Consumer Protection Act, 1986 (the “Act”) against the Andhra Pradesh State Consumer Disputes Redressal Commission at Vijayawada („State Commission‟) order dated 22.10.2019 in FA No. 529/2016 wherein the State Commission dismissed the Appeal filed by the OPs and affirmed the District Consumer Disputes Redressal Forum, Chittoor, („the District Forum‟) order dated 03.08.2016 which partly allowed the complaint.
2. For convenience, the parties are referred to as placed in the original Complaint filed before the District Forum.
3. Brief facts of the case, as per the complainant, are that his father Shri Dharmendra Reddy, during his lifetime had taken life insurance for a total sum of ₹10,00,00
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