VIMLA DEVI Vs. NATIONAL INSURANCE COMPANY LIMITED

JUDGEMENT

(1.) THIS writ petition is directed against order dt. 24.2.09 of Permanent Lok Adalat, Hanumangarh, whereby an application preferred by the petitioner herein under Sec. 22C of the Legal Services Authorities Act, 1987 (for short "the Act") against the insurer, National Insurance Company Limited (NICL), repudiating the claim of insurance, stands rejected. The petitioner's husband was insured with the respondent -NICL under Public Accident Policy for a sum assured Rs. 1 lac for the period 10.12.97 to 10.12.07. The petitioner's husband died on 28.8.06 due to fall from the roof of his house. Since the death was accidental, the petitioner laid the claim before the NICL, however, the claim stood repudiated vide communication dt. 5.12.06 issued by the Branch Manager, NICL, Hanumangarh Junction on the ground that the papers submitted by the petitioner as nominee do not give any proof of death by accident. In these circumstances, the petitioner preferred an application before the Permanent Lok Adalat, Hanumangarh under Sec. 22C of the Act. The application was contested by the respondent -NICL on the ground that the roof of the house was only 8 ft. high and therefore, a person falling from just 8 ft. height cannot die. That apart, it was contended that there were no external injuries on the body of the deceased and no FIR regarding the accidental death was lodged by the nominee. The NICL contended that no evidence was produced by the nominee to establish that death of her husband was accidental.

(2.) AFTER consideration of the rival submissions, the Permanent Lok Adalat has rejected the application observing that from bare perusal of the application dt. 5.12.06, it is apparent that on account of failure on the part of the petitioner in producing the requisite documents, the claim -file was closed by the NICL and therefore, the petitioner is not entitled for any relief.

(3.) ON the other hand, the counsel appearing for the respondent submitted that the petitioner had not submitted the requisite documents to establish that her husband had died on account of fall from the roof and therefore, the claim was rightly repudiated by the NICL. Learned counsel submitted that unless the factum of accidental death is proved by any cogent evidence, the claim under Public Accident Policy cannot be accepted.