CHHATTISGARH STATE CONSUMER DISPUTES REDRESSAL COMMISSION PANDRI, RAIPUR APPEAL No.- SC/22/FA/596/2025 Date of Institution: 17/12/2025 IN THE MATTER OF :

Pradeep S/o. Shri Ramji Patel, R/o. Vill. Parsada, P.O. Pahariya, Tah. & P.S. Baloda, Dist. Janjgir – Champa (C.G.) … Complainant / Appellant Through: Shri B. Mazumdar, Advocate Vs.

United India Insurance Company Ltd., Through: Divisional Manager, Divisional Office, First Floor, LIC Building, Magarpara Road, Bilaspur, Tah. & Dist. Bilaspur (C.G.) … Opposite Party/Respondent APPEAL No.- SC/22/FA/615/2025 Date of Institution: 23/12/2025 IN THE MATTER OF :

1. Mukesh Yadav S/o. Shri Vansh Gopal, 2. Smt. Uma W/o. Shri Mukesh Yadav, Both R/o. Ward No.18, Indira Vas Marwahi, Nawatola, Dist. Gaurela–Pendra–Marwahi (C.G.) … Complainants / Appellants Through: Shri B. Mazumdar, Advocate Vs.

Cholamandalam MS General Insurance Co. Ltd., Branch Office: Vyapar Vihar, Main Road, Near Vinayak Netralaya, Bilaspur (C.G.) … Opposite Party/Respondent APPEAL No.- SC/22/FA/616/2025 Date of Institution: 23/12/2025 IN THE MATTER OF :

Smt. Mamta W/o. Late Shri Ishwar Singh Rathore, R/o. Ward No.05, Kotkhari, Lalpur, P.S. Gaurela, Dist. Gaurela–Pendra–Marwahi (C.G.) … Complainants / Appellants Through: Shri B. Mazumdar, Advocate Vs.

Bajaj Allianz General Insurance Company, Through: Authorized Officer, 3rd Floor, Gurukrupa Tower, Near ICICI Bank, Vyapar Vihar Road, Bilaspur, Tah. & Dist. Bilaspur (C.G.) – 495 001 … Opposite Party/Respondent APPEAL No.- SC/22/FA/617/2025 Date of Institution: 23/12/2025 IN THE MATTER OF :

Smt. Shikha Sharma, W/o. Late Shri Rakesh Sharma, R/o. Ward No.09, Chetan Chowk, Indira Gandhi Ward, Pendra, Dist. Gaurela–Pendra–Marwahi (C.G.) … Complainants / Appellants Through: Shri B. Mazumdar, Advocate Vs.

Bajaj Allianz General Insurance Company, Through: Authorized Officer, 3rd Floor, Gurukrupa Tower, Near ICICI Bank, Vyapar Vihar Road, Bilaspur, Tah. & Dist. Bilaspur (C.G.) – 495 001 … Opposite Party/Respondent APPEAL No.- SC/22/FA/618/2025 Date of Institution: 23/12/2025 IN THE MATTER OF :

Smt. Vedwati Rajak, W/o. Late Shri Kamal Prasad Rajak, R/o. Vill. Ganya, Tah. Marwahi, Dist. Gaurela–Pendra–Marwahi (C.G.) … Complainants / Appellants Through: Shri B. Mazumdar, Advocate Vs.

ICICI Lombard General Insurance Company, Through: Authorized Officer, Anandam Plaaza, Second Floor, Vyapar Vihar Road, Opp. Ramaport, Bilaspur, Tah. & Dist. Bilaspur (C.G.) – 495 001 … Opposite Party/Respondent IN All APPEALS Date of Motion Hearing: 25/02/2026 Date of Pronouncement: 13/03/2026 CORAM: -

HON’BLE SHRI JUSTICE GAUTAM CHOURDIYA, PRESIDENT HON’BLE SHRI PRAMOD KUMAR VARMA, MEMBER PRESENT IN ALL APPEALS: -

Shri B. Mazumdar, Advocate for the appellant.

O RD E R

PER: - JUSTICE GAUTAM CHOURDIYA, PRESIDENT This order will govern disposal of all the above five appeals, under section 41 of the Consumer Protection Act 2019 (hereinafter called “the Act” for short), arising out of separate impugned orders dated 28.11.2025 in complaint case Nos. DC/375/CC/262/2024, DC/375/CC/20/2025, DC/375/CC/47/2024, DC/375/CC/48/2024 and impugned order dated 03.12.2025 in complaint case No.DC/375/CC/46/2024 respectively by District Consumer Disputes Redressal Commission, Bilaspur (CG) (hereinafter called “District Commission” for short), whereby the complaints were dismissed on the ground that deficiency in service on the part of the opposite party/respondent was not established on the preponderance of probabilities. Feeling aggrieved the complainants have preferred these appeals. Since all these appeals involve similar questions of law and fact, they are being decided by this common order. For the sake of convenience, the facts of Appeal No. SC/22/FA/596/2025 are being discussed herein. Hereinafter, the parties shall be referred to by their original nomenclature, as they appeared before the District Commission

2. The complainant’s brother, late Satpal Patel, died on 11.06.2024 in a motor accident while driving his own motorcycle. T