BRANCH MANAGER LIC Vs. SAVITRI DEVI

JUDGEMENT

(1.) This is an appeal against the judgment and order dated 28.9.1992 passed by District Consumer Forum, Faizabad in Complaint Case No.328 of 1992.

(2.) The facts of the case stated in brief are that the complainant's husband Shiv Shankar Lal was a driver of a jeep. He got himself insured on 26.12.1981 with Life Insurance Corporation of India and a policy was issued to him. On 22.1.1982 her husband was kidnapped by certain people alongwith Jeep No. UPX 7561. Information of this kidnapping was given to all concerned parties including the Insurance Corporation and the news was also published in the newspapers.

(3.) By letter dated 5.8.1982 the Insurance Corporation replied that when Shivshankar Lal returns back the information be given to the Insurance Corporation. On 1.5.1987 information was given to the Senior Branch Manager of Faizabad and to the Branch Manager, Akbarpur of Life Insurance Corporation that Shiv Shankar Lal has not come back so far. The complainant was told that for such cases the claim can only be settled after a lapse of 7 years. Thereafter the complainant moved an application on 6.2.1989 that the period of 7 years has now been completed and hence the claim may be processed. Life Insurance Corporation informed the complainant to contact Life Insurance Corporation of India at Akbarpur branch office. It was also informed to her that the policy is lying lapsed from 26.6.1982 on account of non-payment of premium. Hence no amount is payable to her. The complainant wrote three registered letters to the opposite party-Insurance Corporation but with no effect. It is alleged that the insurance was for a sum of Rs.10,000/-.