1.      Heard the complainant in person.

          Perused the record.

2.      The matter relates to repudiation of claim by an insurance co., apropos which the complainant approached the consumer fora.

3.      The State Commission dismissed the complainant’s consumer complaint case vide its Order dated 14.09.2015. First appeal has been filed by the complainant against the said Order dated 14.09.2015 of the State Commission.

4.      The State Commission’s Order is well–appraised and well– reasoned.

5.      We would like draw attention to the following extracts of the State Commission’s Order:

**mYys[kuh; gS fd iz'uxr chek ikfylh dh chfer /kujkf'k 30 yk[k #i;s gS ftldh okf"kZd fdLr 1 yk[k #i;s gSA 03 vU; ikfylh Hkkjrh ,Dlk ikfylh la0 5007020620 chek /ku 15]17]440@& # dh gSA Hkkjrh ,Dlk ikfylh la0&5007020646 chek /ku 45]62]483 dh gSA bl izdkj iz'uxr chek ikfylh ds fu"iknu ls iwoZ 60 yk[k ls vf/kd chek /kujkf'k dh ikfylh gsrq chek /kkjd us vkosnu dj j[kk FkkA iz'uxr chek ikfylh dh chfer /kujkf'k dks feykdj dqy 90 yk[k #i;s ls vf/kd dh chek ikfylh chek/kkjd n~okjk dkjkbZ x;hA iz'uxr chek ikfylh dh izhfe;e dh /kujkf'k 1 yk[k izzfro’kZ gSA**

**ifjoknh dk ;g dFku gS fd chek /kkjd n~okjk vk;dj vnk fd;k tk jgk Fkk vkSj mldk viuk Loa; dk nw/k dk O;olk; FkkA bl lanHkZ esa ifjoknh us chek /kkjd n~okjk vlslesaV o"kZ 2009&2010 ls lacaf/kr bude VSDl fjVZu] chek ls lacaf/kr izi= izLrqr fd, gSa ftuds voyksdu ls ;g fofnr gksrk gS fd o’kZ 2009&2010 esa chek/kkjd dh okf"kZd  vk; 1]76]310@& #0 crk;h x;hA vk;dj dh lhek ds vUrxZr u vkus ds dkj.k dksbZ vk;dj chek/kkjd n~okjk vnk ugha fd;k x;k tcfd o’kZ 2010&2011 esa chek/kkjd us viuh dqy vk; 2]03]820@ crk;h x;h gS rFkk 1480@ vk;dj ds #i esa tek fd;k tkuk nf'kZr gSA chek/kkjd dh tks okf’kZd vk; bu vfHkys[kksa ls nj~f'kr gks jgh gS mlds vkykssd esa chek/kkjd n~okjk yh x;h dqy chek ikfylh ds izhfe;e dh /kujkf'k fdl izdkj vnk dh tkrh] ifjoknh n~okjk Li"V ugha fd;k x;kA ;g rF; भी de egRo dk ugha gS fd iwoZ chek ikfylh Hkh dqN o’kZ iwoZ dh ugha gS] cfYd iz'uxr chek ikfylh ls dqN fnu iwoZ dh ghs gSA ,slh ifjfLFkfr esa gekjs fopkj ls ekeys dh ifjfLFkfr;ksa dks ns[krs gq, iwoZ chek ikfylh dh tkudkjh dk RkF; foi{kh chek dEiuh ds fy, iz'uxr chek ikfylh tkjh fd, tkus ls iwoZ lkjoku ekuk tk,xk D;ksafd ;g rF; fuf'pr #i ls iz'uxr chek ikfylh tkjh fd, tkus ds fu.kZ; dks izHkkfor djrkA**

** tgka rd chek/kkfjdk dh e`R;q dk iz'u gSA chek/kkfjdk dh e`R;q ds lafnX/k gksus ds laca/k esa dksbZ izR;{k lk{; vko'; ugha gS fdUrq mYys[kuh; gS fd chek/kkfjdk dh e`R;q rst cq[kkj ls gksuh crk;h x;h gSA mlds mipkj gsrq D;k iz;kl fd;k x;kA bldh dksbZ lk{; ifjoknh n~okjk izLrqr ugha dh x;h gSA fpfdRlk gsrq dfFkr iz;kl ds #i esa ifjoknh dk ;g dFku gs fd e`rd dks bykt gsrq MkDVj jkds'k ckcw ds ikl ys tk;k x;k FkkA bl lanZHk esa ifjoknh us MkDVj jkds'k ckcw n~okjk tkjh fd, x, izek.k i= dh izfr izLrqr dh gS] fdUrq bl izek.k i= ds voyksdu ls ;g fofnr gksrk gS fd tc chek/kkfjdk dks MkDVj jkds'k ckCkw ¼ch,,e,l½ ds ikl ys tk;k x;k ml le; mldh e`R;w gks pqdh FkhA bl izdkj ;g Li"V gS fd oLrqr% MkDVj jkds'k ckcw n~okjk e`rd dk dksbZ bykt ugha fd;k x;kA blds ckotwn MkDVj jkds'k ckcw us e`rd ds lanHkZ esa chek dEiuh dks tk fooj.k izLrqr fd;k gS mlesa mUgksusa e`rd dh e`r~;q rst cq[kkj ls gksuk crk;k gSA tc muds n~okjk chek/kkfjdk dk dksbZ bykt gh ugha fd;k x;k rc e`R;q dk dkj.k muds