SHARDA BAI W/O. LATE GAUR SINGH SAHU, R/O. VILLAGE OJHAGAHAN, POST SANAUD, TEHSIL GURUR, DISTRICT Vs. MANAGER, LIBERTY VIDEOCON GENERAL INSURANCE COMPANY LIMITED & 2 ORS. 10TH FLOOR, TOWER A, PENINSULA COMMERCIAL PARK, GANPAT RAO KADAM MARG, LAWER PAREL, MUMBAI

JUDGEMENT

(1.) Late Gaur Singh Sahu, husband of the petitioner / complainant had an account with the respondent Jila Sahkari Kendriya Bank at Durg. The said bank had obtained a Group Personal Accident Policy for its account holders. The husband of the complainant being an agriculturist was using a tractor. On 7.5.2014, while diving the tractor for going to Mandi for sale of the Paddy, he met with an accident and later died. A claim was then submitted by the complainant for payment of benefit available under the group Insurance Policy taken by the bank. The claim having been repudiated on the ground that the deceased did not possess an effective and valid driving license on the date he met with an accident, the complainant approached the concerned District Forum by way of a consumer complaint.

(2.) The complaint was resisted by the insurer, primarily on the ground that the deceased was driving the tractor without a valid and effective driving license and thereby he violated condition No.3 (6) of the Insurance Policy.

(3.) The District Forum having dismissed the complaint, the petitioner approached the concerned State Commission by way of an appeal. The said appeal also having been dismissed, she is before this Commission by way of this revision petition.