RELIANCE GENERAL INSURANCE COMPANY LTD. Vs. HARJINDER SINGH

JUDGEMENT

(1.) (i) Three separate Appeals have been preferred on behalf of the Insurance Companies assailing Order dtd. 11/12/2019 and 28/10/2021 passed by learned State Consumer Disputes Redressal Commission Chandigarh, Punjab (hereinafter referred to as "State Commission "), whereby the complaints were allowed in favour of the complainant/respondent herein {i.e. (FA No.315 of 2020 arising out of CC No.375 of 2019; FA No.420 of 2020 arising out of CC No.376 of 2019 decided on 11/12/2019) and FA No.266 of 2022 arising out of CC No.377 of 2019 decided on 28/10/2021)}.

(2.) The details of the four personal accident policies which were obtained by the DLA may be reproduced in tabulated form for convenience:- <IMG>JUDGEMENT_1_LAWS(NCD)6_2026_1.jpg</IMG>

(3.) Since the issues raised in the Appeals as well as complaint case are identical, FA. No.315 of 2020 arising out of CC No.375 of 2019 decided on 11/12/2019 is taken as a lead case (i.e. Reliance General Insurance Co. Ltd. v. Harjinder Singh). The factual position in the respective cases is further delineated in brief before dealing with contentions and issues raised by the respective parties.