RELIANCE GENERAL INSURANCE CO. LTD. Vs. ANISH SEBASTIAN

JUDGEMENT

(1.) Revision petition no. 4607 of 2013 has been filed against the judgment dated 06.09.2013 in Appeal no. 4 of 2013 of the Kerala State Consumer Disputes Redressal Commission, Thiruvananthapuram ('the State Commission').

(2.) The brief facts of the case as per the respondent/complainant are that on 16.07.2011 respondent's wife was driving the car bearing no. KL 13 K 1771 owned by the respondent and as there was heavy down pour, when the vehicle reached at the Temple Gate, Thalassery the car suddenly stopped. The respondent's wife attempted to re-start the car, but that attempt was failed.

(3.) Later on when the vehicle was examined by an expert, after taking it to the workshop, it was found that water had entered into the engine due to which the car suffered damage. The car was insured with the petitioner/ insurance company vide policy no. 2205702311002543 covering the period from 15.10.2010 to 14.10.2011. Hence, the respondent raised a claim before the petitioner. The petitioner repudiated the claim by saying that the damage suffered by the insured vehicle was a consequential damage and not covered under the purview of the policy. As the car in unable to use, and the same is lying idle in the workshop/.