RAJPURA GLASS HOUSE Vs. ORIENTAL INSURANCE COMPANY LIMITED
LAWS(PUNCDRC)-2010-12-1
PUNJAB STATE CONSUMER DISPUTES REDRESSAL COMMISSION
Decided on December 22,2010

Rajpura Glass House Appellant
VERSUS
ORIENTAL INSURANCE COMPANY LIMITED Respondents

JUDGEMENT

- (1.) THE version of the appellant is that he was the owner of M/s. Rajpura Glass House. He was running the business of glass. He had the shop on the Court Road, Rajpura while his godown was opposite to the building of the Life Insurance Corporation of India, Rajpura. He had taken the loan from State Bank of India respondent No. 2 while his goods were got insured by respondent No. 2 from respondent No. 1. The insurance policy for the shop for the period from 28.11.2002 to 27.11.2003 was for Rs. 2,00,000 while the insurance policy for the godown for the same period was for Rs. 4,00,000.
(2.) IT was further pleaded that on 8.10.2003 some persons came in the shop of the appellant. They kidnapped the son of the appellant and also damaged the glass goods lying in the shop of the appellant. The matter was reported to the police as also to the respondents. The loss to the insured goods was Rs. 6,74,544 but respondent No. 1 had offered an amount of Rs. 15,650 towards the loss which was not accepted by the appellant. Hence the complaint for recovery of Rs. 6,74,544 from respondent No. 1. Compensation, interest and costs were also prayed.
(3.) RESPONDENT No. 2 filed the written reply and contested the complaint. Dismissal of the complaint was prayed. Respondent No. 1 also filed the written reply. It was admitted that the glass goods of the shop of the appellant situated on Court Road, Rajpura were got insured by respondent No. 2 from respondent No. 1 for the period from 28.11.2002 to 27.11.2003 for an amount of Rs.2,00,000. It was also admitted that after respondent No. 1 received the information about the incident, the Surveyor/Loss Assessor was deputed who had assessed the loss to the tune of Rs. 15,650. This amount was offered to the appellant but he failed to accept the same. Hence the claim was filed as no claim. It was denied if the appellant had suffered the loss of Rs. 6,74,544 or if he was entitled to this amount as insurance claim. Dismissal of the complaint prayed.;


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