HAABIA ADVERTISING INDIA PVT LTD Vs. UNITED INDIA INSURANCE COMPANY LTD REPRESENTED BY DIVISIONAL OFFICE II

JUDGEMENT

(1.) This appeal is directed against the order dated 08.08.2001 of the Andhra Pradesh State Consumer Disputes Redressal Commission, Hyderabad (in short, the State Commission ) in consumer complaint no. 20 of 1994. By this order, the State Commission dismissed the complaint filed by the appellant, which had alleged deficiency in service on the part of respondent no. 1, Insurance Company in repudiating its insurance claim for indemnification of damage to the advertisement hoardings erected by it at various places within the municipal limits of Visakhapatnam by the officers of respondent no. 2.

(2.) The case of the appellant/complainant before the State Commission was as summarised below:

(3.) In view of the fact that the High Court had awarded only a token compensation with the liberty to the complainant to establish its actual damage through appropriate proceedings, the complainant filed an insurance claim with the respondent Insurance Company along with copies of orders of the High Court. After further correspondence, the Insurance Company repudiated the claim by its letter dated 10.09.1993 on the following grounds: