UNITED INDIA INSURANCE CO LTD Vs. NEERAJ SHARDA

JUDGEMENT

(1.) APPEAL No. 25 of 2005 is by the insurer whereas Appeal No. 61 of 2005 is by the assignee under the insurance policy against the order dated 20.12.2004 passed by the District Forum, Nainital in Consumer Complaint No. 158 of 2003, Sh. Neeraj Sharda v. Managing Director, United India Insurance Co. Ltd. and Others.

(2.) APPEAL No. 26 of 2005 is also by the insurer against the order dated 18.12.2004 passed by the said Forum in Consumer Complaint No. 157 of 2003, Smt. Maya Devi Sharda v. Managing Director, United India Insurance Co. Ltd. and Others.

(3.) ON the death of the life assured, the assignees lodged claims which were not accepted as such on the ground that under the scheme of Janta Personal Accident Insurance Policy, maximum limit of a single or more than one policy was Rs. 10,00,000 only and, therefore, the assignees under one or more such policy, cannot avail benefit of assured sum of more than Rs. 10,00,000. The insurer was thus ready to pay Rs. 5,00,000 under each policy. Sh. Neeraj Sharda alleged deficiency in -service in not agreeing to pay the sum of Rs. 10,00,000 as assured under the policy and filed Consumer Complaint for grant of related reliefs.