NATIONAL INSURANCE COMPANY LIMITED Vs. TIKAM SINGH CHAUHAN

JUDGEMENT

(1.) This is insurer's appeal under Sec. 15 of the Consumer Protection Act, 1986 against the order dated 14.02.2011 passed by the District Forum, Tehri Garhwal in consumer complaint No. 13 of 2009. By the order impugned, the District Forum has allowed the consumer complaint and directed the appellant - insurance company to pay sum of Rs. 57,216/ - to the respondent - complainant towards repair charges of the vehicle together with Rs. 2,000/ - towards special damages and Rs. 1,000/ - towards litigation expenses, in all, Rs. 60,216/ - within a period of one month from the date of the order, failing which the respondent - complainant was also held entitled to interest @5% p.a. on the above amount from the date of filing of the consumer complaint. Briefly stated, the facts of the case as mentioned in the consumer complaint, are that in the year 2007, the complainant had purchased a car (Maruti Alto 800 LX) bearing registration No. UK09 -TA -0015. The said vehicle was insured with the opposite party - National Insurance Company Limited for the period from 31.10.2008 to 30.10.2009 at an IDV of Rs. 2,21,000/ -. It was alleged that on 26.12.2008 (wrongly mentioned as 28.12.2008 in the consumer complaint), the insured vehicle was being driven by its driver Sh. Bijendra Prasad, who was having the driving experience of 14 -15 years and the same met with an accident at Chamund, New Tehri at 7:00 p.m. On receipt of the intimation of the accident of the insured vehicle, the insurance company deputed spot surveyor on 29.12.2008, who after conducting the spot survey, submitted his report to the insurance company. Thereafter, the insurance company appointed surveyor for assessment of the loss. The vehicle was toed from the site of the accident to Rohan Motors Limited, Dehradun for repairs, where the vehicle was repaired and sum of Rs. 48,014/ - was spent by the complainant in the repair of the vehicle. After repair of the vehicle, the complainant requested the insurance company for payment of the claim amount, but the same was not paid. The complainant sent a notice to the insurance company through his Advocate. However, the insurance company repudiated the claim of the complainant on the ground that there was no hill endorsement in the driving licence of the driver. Thereafter, alleging deficiency in service on the part of the insurance company, the complainant filed a consumer complaint before the District Forum, Tehri Garhwal.

(2.) The insurance company filed written statement before the District Forum and pleaded that there was no hill endorsement in the driving licence of the driver, so as to authorize him to drive the vehicle on hill roads; that as per the terms and conditions of the permit granted to the complainant, he was obliged to engage a driver having minimum experience of five years, which the driver driving the vehicle at the relevant time of the accident, did not possess; that the surveyor has assessed the loss to the tune of Rs. 34,620/ -; that the claim of the complainant was rightly repudiated per letter dated 02.06.2009 on the ground that there was on hill endorsement in the driving licence of the driver on the date of the accident and that there is no deficiency in service on their part.

(3.) The District Forum, on an appreciation of the material on record, allowed the consumer complaint vide impugned order dated 14.02.2011 in the above terms. Aggrieved by the said order, the insurance company has filed the present appeal.