PRAVEEN CHANDRA SHANTILAL & COMPANY Vs. BRANCH MANAGER, UNITED INDIA INSURANCE COMPANY LIMITED & ANR

JUDGEMENT

(1.) Petitioner / Complainant has preferred this revision petition against impugned order dated 10.07.2014, passed by Chhatisgarh, State Consumer Disputes Redressal Commission, Raipur (for short, State Commission), in First Appeal No. 626/2012.

(2.) Petitioner's case is, that he is doing business of forest work and having godown at Industrial Ward. He has taken a Fire Policy for the period valid from 15.09.2009 to 14.09.2010. The said policy was taken through Respondent No. 2 / O.P. No. 2 from Respondent No. 1 / O.P. No. 1. Respondent No. 2 deducted the amount of premium from the account of petitioner and was directly paid to respondent no. 1. The sum insured was Rs. 20 Lakhs for the stocks. On 03.04.2010 in the godown of petitioner, a fire took place and entire stock was damaged. There was loss was of Rs. 21 Lakhs. Petitioner lodged the FIR at Police Station, City Kotwali, Dhamtari, orally on 13.04.2010 and in writing on 14.04.2010.

(3.) It is alleged, that after insurance policy was given by respondent no. 1 to respondent no. 2, till date of incidence, respondent no. 2 has not given the insurance policy to petitioner. It was only on the date of incident, respondent no. 2 provided the copy of policy. On 14.04.2010, respondent no. 1 appointed spot surveyor Kiran Chabda for survey, who inspected the spot and demanded the claim form alongwith documents, which were given by the petitioner. Thereafter, petitioner wrote to respondent no. 1 for settlement of the claim but there was no response. In year 2005, petitioner intimated respondent No. 2 regarding the place of the godown. The claim of Petitioner was repudiated after 18 months, which amounts to deficiency is services.