SHRIRAM GENERAL INSURANCE CO. LTD. Vs. BABULAL MEENA

JUDGEMENT

(1.) The present Revision Petition has been filed under Section 21(b) of the Consumer Protection Act, 1986 against the order passed by the State Consumer Disputes Redressal Commission, Rajasthan (for short "State Commission") on 04.11.2016, whereby, the appeal was dismissed and the order of the District Consumer Disputes Redressal Forum, Amritsar (for short "District Forum") dated 19.10.2015 was affirmed.

(2.) Brief facts relevant for disposal of the case are that the complainant's vehicle was insured with the OP for the period 20.07.2010 to 19.07.2011. On 18.06.2011, the vehicle met with an accident. Thereafter, the surveyor appointed by the complainant assessed the loss at Rs. 1,22,681/-. The OP refused to register the claim of the complainant on the ground that the complainant had already filed two claims for accident on 5.01.2011 and 21.04.2011. So, as per policy conditions, the third claim could not be registered. Being aggrieved by the act of the OP, the complainant filed a complaint before the District Forum.

(3.) The OP filed a written version and contended that the insured vehicle was used for commercial purposes. The complainant lodged different claims on 05.01.2011 and 21.04.2011 therefore the third claim was not registered. As per condition number 6 of the policy, the claim was not payable. There was no deficiency in service on the part of the OP by repudiating the claim. Thus, the complaint was liable to be dismissed.