M. P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PLOT NO. 76, ARERA HILLS, BHOPAL (M.P.)

FA No.1071/ 2019.

P.M.F.V.Y. Regional Manager, HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Surendra Singh s/o Mintulal Yadav, R/o Gram Bamuria Mujbta, Tehsil Nai Sarai, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana District Guna (M.P.). ….RESPONDENTS.

FA No.1072/ 2019.

P.M.F.V.Y. Regional Manager, HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Vijay Singh s/o Mintulal Yadav, R/o Gram Bamuria Mujbta, Tehsil Nai Sarai, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana District Guna (M.P.). ….RESPONDENTS.

FA No.1073/ 2019.

P.M.F.V.Y. Regional Manager, HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Parmal Singh s/o Sultan Singh Yadav, R/o Gram Ghurwar Kala, Tehsil Ishagarh, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana District Guna (M.P.). ….RESPONDENTS.

FA No.1074/ 2019.

P.M.F.V.Y. Regional Manager, HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Raghuveer Singh s/o Majboot Singh Yadav, R/o Gram Bamuria Mujbta, Tehsil Nai Sarai, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana District Guna (M.P.). ….RESPONDENTS.

FA No.1075/ 2019.

P.M.F.V.Y. Regional Manager, HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Vijay Bahadur Singh s/o Babusingh Yadav, R/o Gram Bamuria Mujbta, Tehsil Nai Sarai, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana District Guna (M.P.). ….RESPONDENTS.

FA No.1076/ 2019.

P.M.F.V.Y. Regional Manager, HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Satish Singh s/o Rajaram Yadav, R/o Gram Bamuria Mujbta, Tehsil Nai Sarai, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana District Guna (M.P.). ….RESPONDENTS.

FA No.1077/ 2019.

P.M.F.V.Y. Regional Manager, HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Ramcharan s/o Ganesh Ram Yadav, R/o Gram Bamuria Mujbta, Tehsil Nai Sarai, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana District Guna (M.P.). ….RESPONDENTS.

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FA No.1078/ 2019.

P.M.F.V.Y. Regional Manager, HDFC Ergo General Insurance Company Ltd., M.P. Nagar, Bhopal (M.P.). …. APPELLANT.

Versus

1. Nihal Singh s/o Ganesh Ram Yadav, R/o Gram Bamuria Mujbta, Tehsil Nai Sarai, District Ashoknagar (M.P.).

2. Branch Manager, State Bank of India, Branch Myana District Guna (M.P.). ….RESPONDENTS.

BEFORE:

HON’BLE SHRI JUSTICE SHANTANU S. KEMKAR, PRESIDENT HON’BLE SHRI S. S. BANSAL, MEMBER HON’BLE DR. (SMT) MONIKA MALIK, MEMBER COUNSEL APPEARING FOR THE PARTIES :

SHRI AMIT TIWARI, LEARNED COUNSEL FOR THE APPELLANT / HDFC ERGO GENERAL INSURANCE CO. LTD.

NONE FOR THE RESPONDENT / COMPLAINANT(S).

SHRI PANKAJ WAGHMODE, LEARNED COUNSEL FOR THE RESPONDENT NO.2 /

STATE BANK OF INDIA.

O R D E R

(Passed on 19 /10 / 2022)

The following order of the Commission was delivered by Dr. (Mrs) Monika Malik, Member :

All the aforesaid appeals are taken up together as common point is involved in the matter. This order shall govern disposal of all the aforesaid appeals. For convenience facts of the case taken from FA No.1078/2019, unless otherwise stated.

2. This appeal by the opposite party no.2 / HDFC Ergo General Insurance Company Ltd. (hereinafter referred to as ‘appellant’) is directed against the order dated 23.4.2019 passed by the District Consumer Disputes Redressal Commission, Guna (for short the ‘District Commission’) in CC No.46/2018 whereby the District Commission has partly allowed the complaint filed by the complainant / respondent (hereinafter referred to as ‘complainant’).

3. Briefly put, facts of the case are that the complainant is the owner o