M.THANIKACHALAM, J. - (1.) The opposite parties are the appellants.
(2.) The facts leading to this appeal:
(3.) The complainant had taken a private car package policy, for his vehicle Skoda car, from 15.1.2007 to 14.1.2008, paying a premium of RS.56,544/- on 10.1.2007. On 28.10.2007, when the complainant?s driver was driving the vehicle, there was heavy rain, causing disturbance to the clarity/vision, that too when a vehicle was coming from the opposite direction. The complainant, in order to avoid the coming vehicle, moved to the vehicle right side, unfortunately the front wheel of the car dashed into the sewerage man hole, which was opened, and water crushed into the engine, resulting stoppage of the vehicle. The said incident was caused purely due to accidental, unexpected external force. Therefore, the car was pushed, taken back, parked at Andhra Club, then the incident was informed to the insurance company.;