LIC OF INDIA Vs. DARAPU NARAYANA & ANR

JUDGEMENT

(1.) Challenge in this Revision Petition is to the order dated 25-03-2013, passed by Andhra Pradesh State Consumer Disputes Redressal Commission at Hyderabad (hereinafter referred to as 'the State Commission') in FA No.335 of 2012, against order dated 04-04-2012 in CC No.53 of 2009, passed by District Consumer Disputes Redressal Forum at Srikakulam (hereinafter referred to as 'the District Forum').

(2.) Vide the impugned order, the State Commission has modified the order of the District Forum to the extent of the liability of the Revision Petitioner (hereinafter referred to as 'the LIC') and directed the Petitioner herein to pay an amount of Rs.2,00,000/- towards accidental benefit under the Policy together with interest @ 6% p.a. from the date of filing of the claim till the date of realization. The liability which was fastened on the Bank by the District Forum has been set aside.

(3.) The facts, in brief, are that the Complainant's husband by name, Sri Darapu Naidu, has opened an S.B. Account A.B. Jeevan Abhaya 301234 with the second Opposite Party (hereinafter referred to as 'the Bank'). It is averred that all Account Holders were offered life insurance cover with sum assured of Rs.1,00,000/- in the event of natural death of the Account Holder and Rs.2,00,000/- in the event of an accidental death. It was averred that the Account Holder, Sri Darapu Naidu, died in a road accident on 12-12-2008. The same was intimated to the Bank and a claim was also made on 16-02-2009 for an amount of Rs.2,00,000/-. Despite repeated requests the claim was not settled and the Complainant got issued a legal notice on 03-07-2009 to both, the LIC and the Bank, to pay the claim amount of Rs.2,00,000/-, but received no response.