UNITED INDIA INSURANCE COMPANY LIMITED Vs. SURINDER PAL

JUDGEMENT

(1.) In the present case, the consumer complaint arose out of an accident of the car of the Complaint/Surinder Pal on 9.12.2005. The vehicle was insured with RP/OP, United India Insurance Company Ltd. The surveyor appointed by the Company assessed the loss at Rs.1,10,000/-. But the claim was repudiated by the Insurance Company on the ground that the insured did not have a valid licence to drive a car.

(2.) The above facts are not disputed by either side. Therefore, as very rightly noted by the Punjab State Consumer Disputes Redressal Commission, the only point for consideration is whether the respondent/Complainant was holding a valid driving licence or not.

(3.) In written response to the complaint before the District Forum Ropar, the stand of the RP/OP was: