BEFORE THE A.P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION

AT HYDERABAD.

F.A. 1113/2008  against C.C.  155/2007, Dist. Forum, Kurnool.   

Between:

M. Narayana

s/o.  M. Krishna Murthy

R/o. 4-89, Allur Road

Nandikotkur.                                              ***                         Appellant/

                                                                                                 Complainant.

And

1)  The Divisional Manager

New India  Assurance Company Ltd.

HDCP Complex

R.S. Road, Kurnool.

2)  The General Secretary

Kurnool Dist. Motor Workers Union (CITU)

Behind Durga Lodge

N.H-7, Kurnool.                                          ***                         Respondents/

                                                                                                Opposite Parties

Counsel for the Appellant:                          M/s.  B. Anjayneyulu

Counsel for the Resp:                                 M/s.  KNV Radhra Krishna (R1)

CORAM:

                         HON’BLE SRI JUSTICE D. APPA RAO, PRESIDENT     

    SRI SYED ABDULLAH, MEMBER

&

                                 SRI R. L. NARASIMHA RAO, MEMBER

TUESDAY, THIS THE TWENTY SECOND  DAY OF MARCH TWO THOUSAND ELEVEN

Oral Order: (Per Hon’ble Justice D. Appa Rao, President)

                                                          ***

1)                 Appellant is unsuccessful complainant.  

2)                The case of the complainant in brief is that   he had taken  Group Janata Personal Accident Policy (JPA)   from R1 insurance company through its agent  Kurnool District  Motor Workers Union R2 for a sum of Rs. 1 lakh covering the period from  16.4.2001 to 15.4.2006.  His name was mentioned at S.No. 34 in the policy.  While so on 16.3.2003 while he was driving the lorry   at  Machavaram village  accident took place resulting in  grievous injuries on his person.    The said fact was intimated to the police which  in turn registered as a case in Crime No. 30/2003 u/s 337 IPC.    R2 informed the said fact to R1.  He was shifted to  Govt. Hospital, Mahaboobnagar and there after to  Govt. Hospital, Kurnool where his right leg up to knee was amputated  resulting   permanent disability.    He also suffered fracture  to his  right leg and hand.    He took treatment in the  Govt. Hospital  for four months  as  an in-patient and was discharged on  4.7.2003.    Repeatedly he joined in the hospital for several times.    Whenever he was going to R1  it was promising to settle the claim but did not do so.    For the first time  on  9.6.2006  it issued a letter  to him to submit the reasons for delay  along with hospital records.  On that  he sent all the records  by registered post.    He filed a petition before the Dist.  Legal Services Authority  however  R1 did not respond.  Therefore he filed the complaint claiming  Rs. 1 lakh covered under the policy  with interest  @ 12% p.a., together with compensation of Rs. 20,000/- for mental agony and costs. 

3)                 The insurance company R1 resisted the case.    While admitting issuance of  policy it denied that the complainant had sustained injuries  in the accident that took place on 6.3.2003.    As per the disability certificate the complainant had suffered only 50% disability  and therefore he was