Telangana State Commission Holds LIC Liable For Deficiency In Service Over Wrongful Repudiation Of Insurance Claim
2 weeks ago

Telangana State Commission Holds LIC Liable For Deficiency In Service Over Wrongful Repudiation Of Insurance Claim

Live Law  

The Telangana State Commission, presided by Smt. V. V. Seshubabu held Life Insurance Corporation liable for deficiency in service for wrongful repudiation of a legitimate insurance claim. However, the insurer rejected the insurance claim of the complainant on grounds that there was no permanent disability. Observations by the State Commission The Commission observed that the insurer rejected the claim, stating the complainant was not eligible for disability benefits. However, the policy in question contained no clause to support this For Policies No.2 and No.3, the insurer denied disability benefits, claiming the complainant's amputation of one foot did not qualify.

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History of this topic

Uttarakhand State Commission Holds National Insurance Liable For Deficiency In Service Over Denial Of Legitimate Claim Amount
3 days, 6 hours ago

Uttarakhand State Commission Holds National Insurance Liable For Deficiency In Service Over Denial Of Legitimate Claim Amount

Live Law  

The Uttarakhand State Commission, presided by Mr. M.K. Singh held National Insurance liable for deficiency in service and upheld the District Commission's order. Consequently, the insurer appealed before the State Commission of Uttarakhand. Contentions of the Insurer The insurer argued that the complainant breached policy terms and did not intimate the theft promptly. However, the complainant contended that the insurer …

Telangana State Commission Holds SBI Liable For Deficiency In Service For Collecting Excess Amount From Customer Without Proper Justification
1 week, 3 days ago

Telangana State Commission Holds SBI Liable For Deficiency In Service For Collecting Excess Amount From Customer Without Proper Justification

Live Law  

The Telangana State Commission, presided by Smt. V. V. Seshubabu held State Bank of India liable for deficiency in service for collecting unaccounted funds from the customer without proper justification. The complainant filed a complaint before the District Commission and alleged the bank collected Rs. Aggrieved by the District Commission's order, the bank filed an appeal before the State Commission …

Correspondence Does Not Extend The Limitation Period: Telangana State Commission
2 weeks, 1 day ago

Correspondence Does Not Extend The Limitation Period: Telangana State Commission

Live Law  

The Telangana State Commission, presided by Smt. The complainant claims the stress caused by the opposite party's actions led to her husband's death. Observations by the State Commission The State Commission observed that Ex.A1 showed the opposite parties seized the vehicle for non-payment, informed the borrower to clear dues, and later sold the vehicle, realizing Rs. Ex.A6 revealed the complainant's …

Injury Must Be Direct Cause Of Death To Claim Insurance Under Accidental Death: Telangana State Commission Dismisses Appeal Against United India Insurance
3 weeks, 1 day ago

Injury Must Be Direct Cause Of Death To Claim Insurance Under Accidental Death: Telangana State Commission Dismisses Appeal Against United India Insurance

Live Law  

The Telangana State Commission, presided by Smt. V. V. Seshubabu held that to claim the insurance policy under accidental death, the insured's death should directly have been caused by the injury in question. Observations by the State Commission The State Commission highlighted that the complainant's husband, while being taken to the operation theatre for a spinal fusion surgery, suffered a …

Compensation Cannot Be Allowed If There's No Injury: Telangana State Commission Dismisses Appeal Against TSRTC
3 weeks, 2 days ago

Compensation Cannot Be Allowed If There's No Injury: Telangana State Commission Dismisses Appeal Against TSRTC

Live Law  

The Telangana State Commission, presided by Smt. Brief Facts of the Case The complainant, a lawyer, booked a bus ticket online with TSRTC for travel from Dilsukhnagar to Khammam. The complainant then filed a case against TSRTC for poor service, but the District Commission dismissed the complaint. Observations by the State Commission The State Commission observed that as per TSRTC, …

Kerala State Commission Upholds Order Against Reliance Insurance Company To Pay Treatment Expenses To Complainant
3 weeks, 4 days ago

Kerala State Commission Upholds Order Against Reliance Insurance Company To Pay Treatment Expenses To Complainant

Live Law  

While upholding the decision of the Kasaragod District Consumer Disputes Redressal Commission, the Kerala State Consumer Disputes Redressal Commission bench comprising of Mr. Justice B. Sudheendra Kumar, Mr. Ajith Kumar and Mr. Radhakrishnan K.R. Previously, District Commission had held Reliance Insurance liable for the deficiency of service for not paying the claim of the complainant who had taken coverage of …

National Commission Rejects Oriental Insurance's Appeal, Finds Them Liable for Deficiency in Service
1 month, 3 weeks ago

National Commission Rejects Oriental Insurance's Appeal, Finds Them Liable for Deficiency in Service

Live Law  

National Consumer Disputes Redressal Commission (NCDRC) has held Oriental Insurance liable for deficiency in service in a case concerning a medical insurance claim. The insurer argued that the treatment received by the complainant's wife was for weight reduction, which was excluded under the insurance policy's exclusion clause. However, the National Commission found that the insurer failed to prove that the …

Any Fact Affecting Insurer's Decision Is Material, Failure To Disclose Allows Policy Rejection: NCDRC
4 months ago

Any Fact Affecting Insurer's Decision Is Material, Failure To Disclose Allows Policy Rejection: NCDRC

Live Law  

The National Consumer Disputes Redressal Commission, presided by Mr. Subhash Chandra and Dr. Sadhna Shanker, held that any fact that could impact a prudent insurer's decision is considered material, and failing to disclose it gives the insurer the right to reject the policy. The commission agreed with the State Commission's finding that this omission was deliberate and fraudulent, citing Satwant …

Delay In Informing Insurer Of Theft Shouldn't Automatically Repudiate Insurance Claim: NCDRC
4 months, 2 weeks ago

Delay In Informing Insurer Of Theft Shouldn't Automatically Repudiate Insurance Claim: NCDRC

Live Law  

The National Consumer Disputes Redressal Commission, presided by AVM J. Rajendra, held National Insurance liable for deficiency in service and held that the interpretation of insurance policy terms should consider the context and the parties' intentions and mere delay in informing the insurer of theft does not automatically repudiate the insurance claim. Observations by the National Commission The National Commission …

Insurance Contracts Based On 'Utmost Good Faith', Suppression Of Material Facts May Lead To Repudiation: Madhya Pradesh State Commission
4 months, 3 weeks ago

Insurance Contracts Based On 'Utmost Good Faith', Suppression Of Material Facts May Lead To Repudiation: Madhya Pradesh State Commission

Live Law  

The State Consumer Disputes Redressal Commission, Madhya Pradesh bench of Shri A.K. Brief Facts: The Complainant's deceased wife had obtained an insurance policy from Life Insurance Corporation of India, for a sum insured of Rs. However, LIC repudiated the claim, stating that the deceased wife had not disclosed correct facts regarding her previous medical history and had suppressed material facts …

Courts Must Favour Complainant In Case Of Presence Of Two Interpretations Of Same Clause: Ernakulam District Commission
5 months, 3 weeks ago

Courts Must Favour Complainant In Case Of Presence Of Two Interpretations Of Same Clause: Ernakulam District Commission

Live Law  

The Ernakulam District Commission, presided by Shri. Sreevidhia T.N., held Star Health & Allied Insurance liable for deficiency in service and unfair trade practice. The insurer maintained there was no deficiency in service or unfair trade practice, contested the ₹1,20,000 hospitalization expenses, and argued any liability should be limited to ₹95,286, excluding non-medical expenses. Observations by the District Commission The …

No Proof Of Pre-Existing Disease, Kangra District Commission Holds Star Health And Allied Insurance Co Liable For Wrongful Repudiation
6 months ago

No Proof Of Pre-Existing Disease, Kangra District Commission Holds Star Health And Allied Insurance Co Liable For Wrongful Repudiation

Live Law  

The District Consumer Disputes Redressal Commission, Kangra bench of Hemanshu Mishra, Arti Sood and Narayan Thakur held Star Health and Allied Insurance Co. Ltd liable for deficiency in services due to its unjustified rejection of a genuine claim. The bench held that the Insurance Company repudiated the claim without conducting a proper investigation or obtaining affidavits from treating doctors regarding …

Inadequate Power Supply And AC Failure In Garib Rath Train, Hyderabad District Commission Orders South-Central Railways Liable For Negligence
1 year ago

Inadequate Power Supply And AC Failure In Garib Rath Train, Hyderabad District Commission Orders South-Central Railways Liable For Negligence

Live Law  

The District Consumer Disputes Redressal Commission-II, Hyderabad bench comprising Sri Vakkanti Narasimha Rao and Smt. D. Sreedevi held South Central Railway liable for negligence which resulted in great inconvenience to the passengers of AC 3 compartment in the Garib Rath train going from Vishakhapatnam to Secunderabad. Brief Facts: KVS Appa Rao and his minor daughter, K. Veekshita reserved two seats …

Deficiency In Service: NCDRC Dismisses Indian Railways' Revision Petition, Directs To Compensate Rs. 4.6 Lakhs
1 year, 4 months ago

Deficiency In Service: NCDRC Dismisses Indian Railways' Revision Petition, Directs To Compensate Rs. 4.6 Lakhs

Live Law  

The NCDRC under the Presiding Member Dr. Inder Jit Singh dismissed the Revision Petition filed by the Indian Railways holding it liable for deficiency in service. Observations of the Commission: The NCDRC dismissing the Revision Petition observed that there is no merit in the Railways' argument that the incident falls outside the jurisdiction of the Consumer Protection Act and should …

Motor Accident | Insurance Company Liable To Pay Compensation Even Upon Exoneration, May Recover From Owner Later: Telangana High Court
2 years, 10 months ago

Motor Accident | Insurance Company Liable To Pay Compensation Even Upon Exoneration, May Recover From Owner Later: Telangana High Court

Live Law  

The Telangana High Court recently ruled that in case of violation of insurance policy conditions, the insurer is still liable to pay the compensation to the claimant and it may recover the same from the owner of the offending vehicle later. It was contended by the counsel for claimant that in case of violation of policy conditions, the insurer is …

'Death Not Accidental': SC Refuses Insurance Claim to Kin of Man Who Died of Excessive Alcohol Consumption
3 years, 9 months ago

'Death Not Accidental': SC Refuses Insurance Claim to Kin of Man Who Died of Excessive Alcohol Consumption

News 18  

The Supreme Court Monday refused to grant insurance claim to the legal heir of a man who died of asphyxia due to excessive drinking of alcohol, saying the insurer was only liable to compensate a person who sustains injury solely and directly from the accident. A bench of Justices M M Shantangoudar and Vineet Saran upheld the orders of National …

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