SHIV NATH Vs. UNITED INDIA INSURANCE CO. LTD.

JUDGEMENT

(1.) This revision petition has been filed by the petitioners Shiv Nath & anr. against the order dated 02.02.2012 of the State Consumer Disputes Redressal Commission, Rajasthan (in short 'the State Commission') passed in Appeal No.878 of 2009.

(2.) Brief facts of the case are that the tractor of the petitioners/complainants being R.J.14-1R - 2040 was insured with the opposite party Insurance Company for a sum of Rs.1,50,000/-. The insurance was valid from 27.03.2005 26.03.2006. During the currency of the insurance policy, the tractor met with an accident due to falling of the stones from the hill. The Insurance Company vide its letter dated 07.10.2005 repudiated the claim on the ground that tractor was not being used for agriculture and forestry purposes, rather, it was being used for carrying stones for commercial purpose. The complainant then filed a consumer complaint before the District Forum being CC No.450/2009 (Earlier No.138/2007). The complaint was resisted by the Insurance Company on the ground that the surveyor has found that the tractor was being used for commercial purpose against the terms and conditions of the policy. On representation given by the complainants, the matter was again got investigated and the investigator in his report dated 28.08.2005 has also found that the tractor was being used for transporting stones for commercial purpose against the terms and conditions of the policy. The District Forum, however, allowed the complaint vide its order dated 21.4.2009 as under:-

(3.) Aggrieved by the order of the District Forum, the respondent Insurance Company preferred an appeal before the State Commission being Appeal No.878 of 2009. The State Commission accepted the appeal of the Insurance Company and set aside the order of the District Forum and dismissed the complaint.