AI Overview...
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Own Damage Insurance - Owners of motor cars are entitled to compensation for damages caused to their vehicles under their insurance policies. The compensation amount varies based on policy terms and court or tribunal rulings. For example, in one case, the owner received Rs. 7,35,000 towards damage, as awarded by the tribunal and subsequently modified UNITED INDIA INSURANCE CO LTD VS HASUMATIBEN KANUBHAI PATEL - Gujarat.
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Comprehensive Insurance Policies - These policies cover damages to vehicles resulting from accidents, fire, or other insured risks. The claimant in one case obtained a comprehensive policy for a Maruti Saloon 800, and the insurance company was liable for damages as per the policy terms New India Assurance Co. Ltd. VS Suresh Chandra Aggarwal - Consumer.
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Policy Conditions and Exclusions - Insurance claims can be repudiated if policy conditions are violated. For instance, damage due to fire when the vehicle is left in an isolated place at night was contested based on policy terms, and the insurer's repudiation was upheld Ravikant Patil VS United India Insurance Co. Ltd. - Consumer. Similarly, damage caused by driving without a valid license was grounds for claim rejection under a comprehensive policy Purushottam VS National Insurance Co. Ltd. - Consumer.
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Claim Settlement and Disputes - Insurance companies may reject claims if the vehicle was not insured at the time of damage or if the policy conditions are not met. In one case, the absence of an active insurance policy led to denial of compensation Gurbinder Singh Cheema VS New India Assurance Co. Ltd. - Consumer.
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Transit and Loss - Insurance coverage for vehicles in transit is subject to specific conditions. Loss or damage during transit, unless covered under the policy, may not be liable for compensation, especially if caused by civil disturbances or other exceptions V. P. DESA VS UNION OF INDIA - Madhya Pradesh.
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Non-Indemnification and Exclusions - Damage not directly caused by an accident, or resulting from subsequent actions like engine oil loss, may not be covered. Insurance policies often include clauses excluding liability for consequential damages TATA AIG General Insurance Company Ltd VS Ring Road Honda - Consumer.
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Claim Assessment and Compensation - Insurance claims are typically assessed by surveyors. The amount awarded depends on the surveyor’s evaluation and policy limits. For example, damages assessed at Rs. 20,868 led to repairs costing Rs. 37,557, with the insurer liable only for the assessed damage K. L. MALHOTRA VS ORIENTAL INSURANCE CO. - Consumer.
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Court and Tribunal Awards - Courts and tribunals have awarded varying compensation amounts based on damage assessments, policy coverage, and case specifics. In one instance, Rs. 8,85,000 was awarded, later modified to Rs. 7,35,000 United India Insurance Co. Ltd. VS Hasumatiben Kanubhai Patel - Gujarat.
Analysis and Conclusion:
Own damage policies for cars typically cover repair costs arising from accidents, fire, or other insured risks, subject to policy conditions and exclusions. Claims can be denied if the vehicle was not insured, if policy terms are violated, or if damages fall outside coverage. Compensation amounts depend on damage assessments and legal rulings. Proper adherence to policy conditions and timely claim filing are crucial for successful claim settlement.
References:
- UNITED INDIA INSURANCE CO LTD VS HASUMATIBEN KANUBHAI PATEL - Gujarat, New India Assurance Co. Ltd. VS Suresh Chandra Aggarwal - Consumer, Ravikant Patil VS United India Insurance Co. Ltd. - Consumer, Purushottam VS National Insurance Co. Ltd. - Consumer, Rajesh Kumar VS National Insurance Co. Ltd. - Supreme Court, Gurbinder Singh Cheema VS New India Assurance Co. Ltd. - Consumer, V. P. DESA VS UNION OF INDIA - Madhya Pradesh, TATA AIG General Insurance Company Ltd VS Ring Road Honda - Consumer, K. L. MALHOTRA VS ORIENTAL INSURANCE CO. - Consumer, United India Insurance Co. Ltd. VS Hasumatiben Kanubhai Patel - Gujarat
Search Results for "Own Damage Policy Car"
2015 0 Supreme(Guj) 27 • India - Gujarat
M.R.SHAH, G.B.SHAH
owner of motor car in question shall be entitled to L 7,35,000/- towards compensation for damage caused to motor car in question ... towards "own damage" to Car - Impugned judgment and award passed by Tribunal passed is hereby modified to that original claimant ... claimant owner of vehicle in question received from her insurer - Insurance Company, received while settling claim under Insurance Policy ... policy towards compensation for the damage cau....
• India - Consumer
D.K.JAIN, B.SUDERSHAN REDDY
Consumer Protection Act, 1986—Section 23— Motor Vehicles Act, 1988—Section 15—Insurance—Comprehensive Insurance Policy—Damage to ... car in accident—Compensation of Rs.1,00,000/- awarded by Fora below—As per certificate issued by licensing authority, driving licence ... Briefly stated, the material facts giving rise to the appeal are: On 31st May, 1991 the claimant, the sole respondent in this appeal, obtained from the appellant, a comprehensive insurance policy in respect of his Maruti Saloon 800 car. ....
• India - Consumer
S.B.Mhase, Narendra Kawde
(i) Consumer Protection Act, 1986—Sections 12 and 17—Insurance—Private Car Package Policy—Damage to car due to fire—Repudiation of ... Package Policy—Damage to car due to fire—Car left in isolated place in night—It was duty of driver to stay in vehicle when it was ... if they are tried to be invoked as against party, party is prejudiced—Ground taken by complainant that terms and conditions of policy ... It is a BMW car#HL_....
• India - Consumer
AJIT BHARIHOKE, S.M.KANTIKAR
Consumer Protection Act, 1986—Sections 15, 17, 19 and 21—Insurance—Comprehensive Insurance Policy—Damage to car in accident—Insurance ... claim repudiated by insurance company on ground that car at relevant time was being driven by a person who was not having a valid ... Undisputed facts relevant for the disposal of this revision petition are that the complainant had purchased a comprehensive insurance policy related to car No.MP-20 CB-3973 from the opposite party. During the currency ....
2025 2 Supreme 43 • India - Supreme Court
PAMIDIGHANTAM SRI NARASIMHA, SANDEEP MEHTA
Consumer Protection Act, 1986 – Section 21(b) [Consumer Protection Act, 2019 – Section 67] – Insurance – Private Car ... The appellant had purchased a Private Car Insurance Policy bearing Policy No. 420503/31/12/6100000851 from the respondent for a vehicle he owned. ... He also argued that the National Commission correctly applied Condition No. 4 of the policy in excluding the damage caused by the short-circuiting. 11. ... The respondent appointed a surveyor, who assessed the #HL_START....
• India - Consumer
REKHA GUPTA
he had no insurance policy in his name to claim compensation for damage to car as on that date and secondly, on the date of filing ... in his name to claim compensation for the damage to the car as on that date and secondly, on the date of filing of the complaint ... Consumer Protection Act, 1986—Sections 15, 17, 19 and 21—Motors Vehicles Act, 1988—Sections 50 and 157—Insurance—Transfer of vehicle—Damage ... to cover the risk or damage to the vehicle. ... On 07.05.201....
1957 0 Supreme(MP) 147 • India - Madhya Pradesh
G.P.BHUTT, T.C.SHRIVASTAVA
- LOSS OR DAMAGE TO MOTOR CAR IN TRANSIT - LOSS MEANS LOSS OF ARTICLES IN BULK, EITHER BY DISAPPEARANCE OR DESTRUCTION - NOT APPLICABLE ... Whether the Insurance Company was liable for the loss of the car under the terms of the insurance policy? ... LIABILITY OF RAILWAYS - NOT APPLICABLE TO CONSIGNMENT BOOKED WITH FOREIGN RAILWAY UNLESS TAKEN OVER BY INDIAN RAILWAYS - INSURANCE POLICY ... the general exceptions in the policy in as much as the loss, if any, was occasioned by civil commo....
• India - Consumer
ANUP K.THAKUR, C.VISWANATH
Consumer Protection Act, 1986—Sections 15, 17, 19 and 21—Insurance—Comprehensive Insurance Policy—Damage to insured car in accident—Non-indemnification ... existing Policy. ... The damage to the engine was not on account of the accident but driving the car further, with loss of oil. ... Thus, as per condition No.4 of the Insurance Policy, reproduced below, they were not liable to indemnify the consequential damages suffered by the car#HL_EN....
• India - Consumer
D.P.WADHWA, RAJYALAKSHMI RAO, B.K.TAIMNI
Consumer Protection Act, 1986-Sections 12 and 17-Insurance claim-Car insured under comprehensive policy damaged in accident-Surveyor ... assessed damage at Rs. 20,868 and then vehicle was got repaired from authorized agent of manufacturer of car at total cost Rs. 37,557 ... On the insurer being intimated, a Surveyor was appointed to survey the damaged vehicle who assessed damage at Rs. 20,868/-. Vehicle was given for repairs to the second respondent who admittedly is ....
2015 0 Supreme(Guj) 391 • India - Gujarat
M.R.SHAH, G.B.SHAH
The Tribunal awarded Rs. 8,85,000 as compensation for the damage caused to the car. ... at Rs. 12,50,000 and awarded Rs. 8,85,000 as compensation for the damage caused to the motor car. ... The Tribunal's award was modified, and the claimant was entitled to Rs. 7,35,000 as compensation for the damage caused to the car ... the insurance policy towards compensation for the damage caused to the car, thereafter further claim is not main....
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