Signing Discharge Voucher Does Not Prevent Insured Parties From Pursuing Claims : NCDRC Holds Bajaj Allianz Insurance Liable For Deficiency In Service
3 months, 3 weeks ago

Signing Discharge Voucher Does Not Prevent Insured Parties From Pursuing Claims : NCDRC Holds Bajaj Allianz Insurance Liable For Deficiency In Service

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The National Consumer Disputes Redressal Commission, presided by Justice Karuna Nand Bajpayee and Dr. Sadhna Shanker, held that the denial of an insurance claim merely on the basis that the insured signed discharge vouchers is arbitrary and amounts as deficiency in service. Observations by the National Commission The National Commission observed that the main issue was whether the insurance company was absolved of liability after the complainant signed the consent letter. The Commission highlighted that the insurance company's argument of the complainant's signing of the discharge voucher precluding further claims does not hold ground as the IRDA guidelines clarify that a discharge voucher does not bar policyholders from seeking additional compensation through judicial or legal forums. The Commission referred to case of M/s Rainbow Apparels vs. New India Assurance Co. Ltd., wherein it was ruled that signing a discharge voucher does not prevent the insured parties from pursuing further claims with the insurer.

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History of this topic

NCDRC Holds Bajaj Insurance Liable For Deficiency In Service Over Wrongful Repudiation Of Insurance Claim
2 months, 3 weeks ago

NCDRC Holds Bajaj Insurance Liable For Deficiency In Service Over Wrongful Repudiation Of Insurance Claim

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The National Consumer Disputes Redressal Commission, presided by AVM J. Rajendra held Bajaj Allianz Life Insurance liable for deficiency in service over wrongful repudiation of a legitimate insurance claim and overturned the State Commission's order. Brief Facts of the Case The complainant's son had purchased a life insurance policy from Bajaj Allianz Life Insurance/insurer with an annual premium and a …

Violations Must Constitute Fundamental Breach To Deny Insurance Claim: NCDRC Holds Bharti General Insurance Liable For Deficiency In Service
3 months, 1 week ago

Violations Must Constitute Fundamental Breach To Deny Insurance Claim: NCDRC Holds Bharti General Insurance Liable For Deficiency In Service

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The National Consumer Disputes Redressal Commission, presided by AVM J. Rajendra held that for an insurer to deny a legitimate claim, the violations alleged by them have to constitute a fundamental breach. Observations by the National Commission The National Commission observed that the central issue in this case was whether leaving the key in the vehicle was a fundamental breach …

Bihar State Commission Holds Bajaj Allianz General Insurance Co. Liable For Wrongful Repudiation of Valid Claim
4 months, 1 week ago

Bihar State Commission Holds Bajaj Allianz General Insurance Co. Liable For Wrongful Repudiation of Valid Claim

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The State Consumer Disputes Redressal Commission, Bihar bench of Gita Verma and Md. Shamim Akhtar held Bajaj Allianz General Insurance Co. Ltd. liable for deficiency in service for wrongfully repudiating a valid insurance claim despite receiving all required documents. The van was also insured with Bajaj Allianz General Insurance Co. Ltd., with a coverage of Rs. Based on the unchallenged …

Delay In Informing Insurer Of Theft Shouldn't Automatically Repudiate Insurance Claim: NCDRC
7 months, 1 week ago

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

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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 …

South Mumbai District Commission Holds Bajaj Allianz General Insurance Co. Liable For Wrongful Repudiation Of Genuine Claim
8 months, 2 weeks ago

South Mumbai District Commission Holds Bajaj Allianz General Insurance Co. Liable For Wrongful Repudiation Of Genuine Claim

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The District Consumer Disputes Redressal Commission, South Mumbai bench of P.G. Kapse and S.A. Petkar held Bajaj Allianz General Insurance liable for deficiency in services due to the repudiation of a genuine claim of theft. Feeling aggrieved, the Complainant filed a consumer complaint in the District Consumer Disputes Redressal Commission, South Mumbai, Maharashtra against the Insurance Company. The District Commission …

Transfer Insurance Claim On Car, Not Followed Proper Procedure , Insurance Company Not Liable : NCDRC
9 months ago

Transfer Insurance Claim On Car, Not Followed Proper Procedure , Insurance Company Not Liable : NCDRC

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The National Consumer Disputes Redressal Commission, presided by Mr. Subhash Chandra, dismissed a complaint against Oriental Insurance and held that proper procedures should be followed in case of a policy transfer. Following an estimated repair cost of ₹21,36,572 from an authorized service center, the complainant filed a claim with the insurer, which was denied because the Registration Certificate was still …

Owners Not Entitled To Claim Insurance Amount Under Private Vehicle Policy For Vehicles Registered As Commercial Vehicles: Bihar State Commission
10 months, 1 week ago

Owners Not Entitled To Claim Insurance Amount Under Private Vehicle Policy For Vehicles Registered As Commercial Vehicles: Bihar State Commission

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The State Consumer Disputes Redressal Commission, Bihar bench comprising Ms Geeta Verma and Md. Shamim Akhtar allowed an appeal filed by Bajaj Allianz General Insurance Company. The State Commission held that it rightfully repudiated a vehicle claim because the vehicle's owner failed to disclose that the vehicle was registered as a commercial vehicle, at the time of obtaining the policy. …

Non-Standard Basis Of Settling Insurance Claims Apply To Both Private And Public Insurance Companies, NCDRC Holds Bajaj Allianz General Insurance Co. Liable
11 months, 3 weeks ago

Non-Standard Basis Of Settling Insurance Claims Apply To Both Private And Public Insurance Companies, NCDRC Holds Bajaj Allianz General Insurance Co. Liable

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The National Consumer Disputes Redressal Commission bench comprising Justice Sudip Ahluwalia held that the guidelines to settle an insurance claim on a non-standard basis apply to both private and public insurance companies. Dissatisfied with the order of the State Commission, the Insurance Company filed a revision petition in the National Consumer Disputes Redressal Commission. The Insurance Company relied on Bhagirath …

Failure To Reimburse Full Amount, Kurukshetra District Commission Holds Bajaj Allianz General Insurance Co. Liable For Deficiency In Service
1 year, 1 month ago

Failure To Reimburse Full Amount, Kurukshetra District Commission Holds Bajaj Allianz General Insurance Co. Liable For Deficiency In Service

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The District Consumer Disputes Redressal Commission, Kurukshetra bench comprising Dr Neelima Shangla, Neelam and Ramesh Kumar held Bajaj Allianz General Insurance Company Limited liable for deficiency in service for failing to reimburse the full amount of vehicle repair expenditure incurred during a hit and run case. Kamboj owned a car which was insured through an online policy issued by Bajaj …

Karnal District Commission Holds New India Assurance Co Liable For Deficiency In Service, Directs To Disburse Rs. 1.48 Lakhs, Pay Compensation
1 year, 2 months ago

Karnal District Commission Holds New India Assurance Co Liable For Deficiency In Service, Directs To Disburse Rs. 1.48 Lakhs, Pay Compensation

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The District Consumer Disputes Redressal Commission, Karnal bench comprising Shri Jaswant Singh, Shri Vineet Kaushik and Dr Suman Singh held New India Assurance Company Limited liable for deficiency in service for wrongfully repudiating based on commercial usage of the vehicle. Feeling aggrieved, the Complainant filed a consumer complaint in the District Consumer Disputes Redressal Commission, Karnal, Haryana against the Insurance …

Bajaj Allianz Failed To Prove Car Owner’s Negligence, Bolangir Commissions Order Rs. 5.8 Lacs Insurance, Rs. 40k For Mental Agony And Rs. 5k Litigation Costs
1 year, 7 months ago

Bajaj Allianz Failed To Prove Car Owner’s Negligence, Bolangir Commissions Order Rs. 5.8 Lacs Insurance, Rs. 40k For Mental Agony And Rs. 5k Litigation Costs

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Recently, the District Consumer Disputes Redressal Forum, Bolangir bench comprising of Rabindra Kumar Tripathy and Jyotshna Rani Mishra ordered the Bajaj Allianz General Insurance to compensate the complainant for the loss sustained due to the accidental fire that occurred to his insured vehicle, when his vehicle was parked in a mall. Not only the Insurance Company failed to prove that …

Insured Should Take All Reasonable Steps To Safeguard The Vehicle Insured From Loss Or Damages; Reiterates SCDRC Chandigarh
2 years, 8 months ago

Insured Should Take All Reasonable Steps To Safeguard The Vehicle Insured From Loss Or Damages; Reiterates SCDRC Chandigarh

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The bench of State Commission Chandigarh comprising Justice Raj Shekhar Attri, President, Padma Pandey, Member and Rajesh K. Arya, Member, has relied upon the case of Reliance General Insurance Company Ltd. vs. Daljeet Singh Kashmeer Singh Batth where it was stated that, "the insured should take all reasonable steps to safeguard the vehicle insured from loss or damages." Aggrieved by …

Deficiency In Service: NCDRC Directs ICICI Prudential To Pay Over Rs. 5 Lakh To A Consumer [Read Order]
5 years, 9 months ago

Deficiency In Service: NCDRC Directs ICICI Prudential To Pay Over Rs. 5 Lakh To A Consumer [Read Order]

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Apex consumer forum National Consumer Disputes Redressal Commission, while upholding order of District Forum and State Commission, has directed ICICI Prudential Life Insurance Company Limited to pay over Rupees 5 lakh to a Maharashtra resident, whose claim for reimbursement of medical expenses was repudiated by the company. Commission was hearing a revision petition of the insurance company to set aside …

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