STATE CONSUMER DISPUTES REDRESSAL COMMISSION MADHYA PRADESH FIRST APPEAL NO. SC/23/A/24/1786 REGIONAL MANAGER, HDFC ERGO GENRAL INSURANCE CO. LTD.

PRESENT ADDRESS - PLOT NO-06, V.N.V. PLAZA, M.P. NAGAR ZONE-02,MADHYA PRADESH.

.......Appellant(s)

Versus RAJESH JADON S/O CHAIN SINGH JADON PRESENT ADDRESS - VILLAGE BAROD, TEHSIL MAKSUDANGARH,MADHYA PRADESH.

BRANCH MANAGER STATE BANK OF INDIA PRESENT ADDRESS - BRANCH BAROD, TEHSIL MAKSUDANGARH,MADHYA PRADESH.

.......Respondent(s)

BEFORE:

HON'BLE MR. DR.SRIKANTH PANDEY , PRESIDING MEMBER HON'BLE MRS. DR. MONIKA MALIK , MEMBER FOR THE APPELLANT:

REGIONAL MANAGER, HDFC ERGO GENRAL INSURANCE CO. LTD.

FOR THE RESPONDENT:

RAJESH JADON S/O CHAIN SINGH JADON DATED: 09/09/2025

ORDER

M. P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION, BHOPAL PLOT NO.76, ARERA HILLS, BHOPAL FIRST APPEAL NO. 1782 OF 2024

(Arising out of order dated 08.07.2024 passed in C.C.No.197/2019 by the District Commission, Guna)

REGIONAL MANAGER,

HDFC ERGO GENERAL INSURANCE CO.LTD.

PLOT NO.6, V.N.B.PLAZA,

M.P.NAGAR, ZONE-II, BHOPAL (M.P.) … APPELLANT.

Versus

1. DHEERAJ YADAV S/O SHRI NARAYAN SINGH YADAV, R/O VILLAGE-BAAROD, TEHSIL-MAKSUDANGARH, DISTRICT-GUNA (M.P.) 2. BRANCH MANAGER, STATE BANK OF INDIA, VILLAGE-BAAROD, TEHSIL-MAKSUDANGARH, DISTRICT-GUNA (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1783 OF 2024 (Arising out of order dated 08.07.2024 passed in C.C.No.198/2019 by the District Commission, Guna)

REGIONAL MANAGER, HDFC ERGO GENERAL INSURANCE CO.LTD.

PLOT NO.6, V.N.B.PLAZA, M.P.NAGAR, ZONE-II, BHOPAL (M.P.) … APPELLANT.

Versus

1. VINOD KUMAR YADAV S/O SHRI CHAND SINGH YADAV, R/O VILLAGE-BUDNA, TEHSIL-MAKSUDANGARH, DISTRICT-GUNA (M.P.) 2. BRANCH MANAGER, STATE BANK OF INDIA, VILLAGE-BAAROD, TEHSIL-MAKSUDANGARH, DISTRICT-GUNA (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1784 OF 2024 (Arising out of order dated 08.07.2024 passed in C.C.No.199/2019 by the District Commission, Guna)

REGIONAL MANAGER, HDFC ERGO GENERAL INSURANCE CO.LTD.

PLOT NO.6, V.N.B.PLAZA, M.P.NAGAR, ZONE-II, BHOPAL (M.P.) … APPELLANT.

Versus

1. CHAIN SINGH JADON S/O SHRI CHATAR SINGH JADON, R/O VILLAGE-BAAROD, TEHSIL-MAKSUDANGARH, DISTRICT-GUNA (M.P.) 2. BRANCH MANAGER, STATE BANK OF INDIA, VILLAGE-BAAROD, TEHSIL-MAKSUDANGARH, DISTRICT-GUNA (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1785 OF 2024 (Arising out of order dated 08.07.2024 passed in C.C.No.200/2019 by the District Commission, Guna)

REGIONAL MANAGER, HDFC ERGO GENERAL INSURANCE CO.LTD.

PLOT NO.6, V.N.B.PLAZA, M.P.NAGAR, ZONE-II, BHOPAL (M.P.) … APPELLANT.

Versus

1. GUDDI BAI YADAV W/O SHRI CHAND SINGH YADAV, R/O VILLAGE-BAAROD, TEHSIL-MAKSUDANGARH, DISTRICT-GUNA (M.P.) 2. BRANCH MANAGER, STATE BANK OF INDIA, VILLAGE-BAAROD, TEHSIL-MAKSUDANGARH, DISTRICT-GUNA (M.P.) … RESPONDENTS.

FIRST APPEAL NO. 1786 OF 2024 (Arising out of order dated 08.07.2024 passed in C.C.No.201/2019 by the District Commission, Guna)

REGIONAL MANAGER, HDFC ERGO GENERAL INSURANCE CO.LTD.

PLOT NO.6, V.N.B.PLAZA, M.P.NAGAR, ZONE-II, BHOPAL (M.P.) … APPELLANT.

Versus

1. RAJESH JADON S/O SHRI CHAIN SINGH JADON, R/O VILLAGE-BAAROD, TEHSIL-MAKSUDANGARH, DISTRICT-GUNA (M.P.)

2. BRANCH MANAGER, STATE BANK OF INDIA, VILLAGE-BAAROD, TEHSIL-MAKSUDANGARH, DISTRICT-GUNA (M.P.) … RESPONDENTS.

BEFORE :

HON’BLE DR. SRIKANT PANDEY : PRESIDING MEMBER HON’BLE DR. (MRS) MONIKA MALIK : MEMBER COUNSEL FOR PARTIES :

None for the complainant/respondent no.1.

None for the opposite party no.1/respondent no.2-bank.

Shri Amit Tiwari, learned counsel for the opposite party no.2/appellant-insurance company.

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O R D E R (Passed on 09.09.2025)

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

Aforesaid appeals are similar in nature and are therefore they are taken up together and are being disposed of by this common order. For convenience facts are taken from First Appeal No.1782/2024 unless otherwise stated.

2. This appeal by the opposite party no.2/appellant-HDFC Ergo General Insurance Co. Ltd. (hereinafter referred to as ‘insurance company’) is directed against the