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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
Jonnalagadda Rajendra, President, Anoop Kumar Mendiratta, Member
BTC Industries Ltd. – Appellant
Versus
SBI General Insurance Company Ltd. – Respondent
| Table of Content |
|---|
| 1. complaint filed regarding insurance claim after a fire incident. (Para 1 , 2 , 3) |
| 2. insurer contends claim was repudiated due to unproven liability. (Para 4 , 5 , 6) |
| 3. arguments presented for both sides regarding liability. (Para 7 , 8) |
| 4. court evaluates grounds for repudiation based on policy terms. (Para 9 , 10 , 11) |
| 5. complainant argues fire was cause while insurer cites spontaneous combustion. (Para 12 , 13 , 14) |
| 6. nature of insurance policies and consequences of proving loss under coverage. (Para 15 , 16 , 17) |
| 7. role of surveyor's report established in determining validity of claims. (Para 18 , 19 , 20) |
| 8. court concludes on the legitimacy of the insurance claim denial. (Para 21 , 22 , 23) |
| 9. final decision and dismissal of the complaint. (Para 24) |
JUDGMENT
AVM JONNALAGADDA RAJENDRA, AVSM VSM
1. The present Consumer Complaint has been filed under Section 21 of the Consumer Protection Act , 1986 (for short “the Act”) against the Opposite Party seeking to direct the OP:
a. Direct the respondent to pay an amount of Rs. 2,46,06,000/ to the complainant towards the loss suffered by the complainant due to the fire which took place in the sponge iron in factory premises
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