NARESH KUMAR Vs. ORIENTAL INSURANCE COMPANY LTD.

JUDGEMENT

(1.) This revision is directed against the order of the State Consumer Disputes Redressal Commission Haryana, Panchkula ( in short, 'the State Commission') whereby the State Commission partly accepted the appeal preferred by the respondent / insurance company against the order of the District Forum and modified the same as under:

(2.) Briefly stated facts relevant for the disposal of the revision petition are that the petitioner / complainant insured his car Ford Ikon bearing registration no. HR-26-AH-9935 with the respondent / insurance company. The insurance was valid from 18.02.2008 to 17.02.2009. The car met with an accident on 16.01.2009 and got damaged. The accident was reported to the insurance company and claim was filed. It is the case of the complainant that respondent company failed to settle the insurance claim and this led to filing of consumer complaint before the District Forum.

(3.) Respondent company in its written statement denied its deficiency on its part. It pleaded that immediately after the receipt of intimation of accident Mr.R.S.Gill and Ashok Chawla Surveyors were appointed. The surveyors after inspecting the vehicle assessed the loss to the tune of Rs.1,30,220.60 vide their report dated 30.3.2009 which included salvage value and deduction of Rs.1000/- in terms of excess clause. The offer in this regard was made to the complainant but he refused to accept the amount and sign settlement voucher.