PIARA RAM Vs. NATIONAL INSURANCE CO. LTD.
LAWS(NCD)-2020-6-12
NCDRC
Decided on June 15,2020

PIARA RAM Appellant
VERSUS
NATIONAL INSURANCE CO. LTD. Respondents

JUDGEMENT

Prem Narain, J. - (1.) This revision petition has been filed by the petitioner Piara Ram against the order dated 21.07.2017 passed by the Punjab State Consumer Disputes Redressal Commission, Chandigarh ('the State Commission') in First Appeal no. 141 of 2017.
(2.) The brief facts of the case are that the vehicle (Cab Marka Tempo Traveller) of the petitioner bearing no. PB 01 5345 was insured with the respondent/ insurance company for period 14.12.2014 to 12.12.2015. During the currency of the policy (Policy no. 401803/31/14/6300009732) the said vehicle met with an accident on 11.12.2015. A surveyor was appointed by the insurance company who assessed the loss at Rs.76,065/-. Complainant submitted a bill for Rs.1,64,000/- as an insurance claim, however, the insurance company denied the claim vide its letter no. 745 dated 12.07.2016 on the ground that the policy conditions were violated.
(3.) The complainant then filed a consumer complaint no.85 of 2016 before the District Consumer Disputes Redressal Forum, Shaheed Bhagat Singh Nagar ('the District Forum'). The insurance company contested the complaint and stated that the claim was not payable as there was no endorsement in the driving licence of the driver for driving a commercial vehicle.;


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