West Bengal

Bankura

CC/31/2023

Sanjit Bhandari - Complainant(s)

Versus

Bajaj Allianz Insurance Co. Ltd - Opp.Party(s)

Ardhendu Sekhar Ghosh

03 Apr 2024

ORDER

    IN    THE   DISTRICT   CONSUMER   DISPUTES   REDRESSAL COMMISSION, BANKURA 

  Consumer Complaint No. 31/2023

                                                    Date of Filing: 10/04/2023                                            

Before:                                        

1. Samiran Dutta                            Ld. President.      

2. Siddhartha Sankar Bhui            Ld. Member. 

 

For the Complainant:  Ld. Advocate Ardhendu Sekhar Ghosh

For the O.P.:  Ld. Advocate Chandi Charan Adhvaryyu

 

Complainant  

Sanjit Bhandari, S/o Late Gyanmoy Bhandari, at Nabaghati, Korapara, Asansol M Corp, P.O. Burnpur, Dist. Burdwan- 713 325

OppositeParty                                                                                                                                                                                                                                                                                                                                                                                                                             

1.Bajaj Allianz Insurance Co. Ltd, GE Plaza, Airport Road, Yerwada, Pune, Pin-411 006

2. Bajaj Allianz Insurance Co. Ltd, SBI Main Building, Machantala, P.O. & Dt.Bankura-722 101                                                                                                                                                                                                                                                                                                                                                                                                       

FINAL ORDER / JUDGEMENT

Order No.11

Dated: 03-04-2024

No step is taken by the Complainant who is found absent on repeated call.

O.P. files hazira through Advocate.

The case is fixed for argument.

In view of Section 38 (3)(c) of Consmner Protection Act, 2019 the Commission proceeds to dispose of the case on merit as hereunder: -

The Complainant’s case is that his son Rana Bhandari is the registered owner of one motor cycle bearing No.WB 38 A 8796 insured with O.P./Insurance Co vide Policy No.OG-19-2409-1802-00000950 valid from 19/07/2018 to 18/07/2019 with Personal Accident Cover of Rs. 1 Lakh. On 18/04/2019 said motor cyclist died in a road traffic accident involving the above mentioned two wheeler and the incident was reported to Gangajalghati P.S. F.I.R. No. being 38/2019, dt.27/04/2019 u/s 279/338/304A/IPC. Intimation was duly given to the O.P. followed by submission of claim application with reminder letter dated: 20/02/2023 and thereafter through Advocate’s letter dated: 10/03/2023 but the claim has not yet been settled even without repudiation. The Complainant has therefore approached this Commission for appropriate relief.

O.P./Insurance Co. contested the case by filing a written version denying the claim of the Complainant on the ground that the motor cyclist had no Driving License at the time of accident and the claim is hopelessly time barred.

                                                                                                                                                                                     Contd……p/2

                                                                                                                  

Page: 2

-: Decision with reasons: -

Having regard to the facts of the case and documents on both sides the Commission finds that though the F.I.R. establishes the factum of accident but no Driving License of the victim is on record produced by the Complainant. Even no Seizure List of the Driving License is forthcoming on record. Possession of a valid Driving License at the time of accident is a condition precedent to get the accidental claim particularly Personal Accident Cover and non-possession and non production of Driving License is a fundamental breach of the Policy which disentitles the claim of the Complainant. This apart the incident took place in the Year-2019 but the intimation was given to the O.P. / Insurance Co. in the year-2023 i.e. long after four years of the incident. The cause of action arose in the Year-2019 and the case having been filed in 2023 after long four years without any prayer for condonation of delay is hopelessly barred by limitation in view of Section-69 of Consumer Protection Act, 2019 which provides two years as the period of limitation for filing the complaint case from the date of cause of action. The Complainant has therefore no case to succeed.              

Hence it is ordered……

That the case be and the same is dismissed on contest but without cost.

Both parties be supplied copy of this order free of cost.

 

____________________                 _________________         

HON’BLE   PRESIDENT           HON’BLE MEMBER