NATIONAL INSURANCE COMPANY LIMITED Vs. CHANDER KANTA GUPTA

JUDGEMENT

(1.) CHANDER Kanta Gupta respondent got the household insurance policy in her own name from the appellants. Under this policy, all the household articles were insured. This policy also covered the personal accident of the respondent to the tune of Rs. 1,50,000/ -. The life insurance policy was valid for one year from 16.7.2004 to 15.7.2005.

(2.) IT was further pleaded that the respondent was travelling on the Scooter as a pillion rider at night time and the Scooter was hit by a Motor -cyclist from behind. The respondent had fallen down and her neck humerous left was fractured. The husband of the respondent took her to R.R. Medical Centre, Delhi on 2.9.2004. She was attended by Dr.Ravindera Gupta, Orthopaedic and she remained under medical treatment of the doctor from 2.9.2004 up to 15.3.2005.

(3.) IT was further pleaded that the respondent had lodged the insurance claim for a sum of Rs. 50,000/ -. It was not settled by the appellants. Alleging deficiency in service on the part of the appellants, the respondent filed the complaint against them in the learned District Consumer Disputes Redressal Forum. Gurdaspur (in short "the District Forum") for insurance claim. Interest and costs were also prayed.