M.THANIKACHALAM J. - (1.) The opposite parties are the appellants.
(2.) Senthil Kumar, the 1st complainants son, had taken a policy on 6.10.2004 viz. Marriage endowment/Educational annuity plan, with profit with accident benefit, for a sum of Rs.1 lakh assured, wherein he shown his wife Kalamani, as his nominee. Senthilkumar, his wife and their two children, while traveling in a Maruthi Zen car, drowned at Kuruchi Pond on 4.12.2005, in which accident, all of them died, and his father alone is the heir, now entitled to claim the policy amount.
(3.) After the death of the policy holder, the opposite parties are bound to settle the claim, to the legal heir, which they failed to pay, despite claim lodged, thereby committed deficiency, for which also complainants are entitled to a sum of Rs.50000/-, as compensation. Thus claiming the accident benefit, as well as compensation, originally the 1st complainant alone has filed the case, subsequently 2 and 3 are impleaded.;