(2)        तक्रारदाराची थोडक्‍यात तक्रार अशी:- यातील तक्रारदार यांचे पती मयत आनंदा महादेव लोकरे यांची B.S.N.L.  मार्फत सामनेवाला यांचेकडे व्‍यक्तिगत अपघात विमा पॉलीसी उतरविलेली असून सदर पॉलीसीकरिताचा रजिस्‍टर्ड टेलिफोन नं.2325280531/ 280531 असा आहे. सदर पॉलीसी कालावधीतच दि.02/02/2009 रोजी तक्रारदाराचे पती आनंदा महादेव लोकरे यांचा विहिरीचे पाण्‍यात बुडून मृत्‍यू झालेला आहे. तदनंतर आवश्‍यक तया सर्व कागदपत्रांसहीत सामनेवालांकडे न्‍याययोग्‍य क्‍लेम दाखल केला असता सामनेवाला यांनी दि.16/07/2009 रोजीचे पत्राने ‘ क्‍लेम वेळेत जमा केला नाही ‘ म्‍हणून नाकारत असलयाचे कळवले आहे. वास्‍तविक तक्रारदार ही अडाणी व अशिक्षीत महिला असून पतीच्‍या आकस्मिक मृत्‍यूमुळे पूर्णपणे निराधार झालेल्‍या आहेत. तक्रारदार अडाणी असल्‍याने त्‍यांना पॉलीसीच्‍या अटी व शर्तींची कल्‍पना दिलेली नाही. सामनेवाला यांनी अत्‍यंत किरकोळ अशा तांत्रिक कारणाचा आधार घेऊन तक्रारदाराचा न्‍याययोग्‍य क्‍लेम नाकारुन सेवेत त्रुटी ठेवलेने प्रस्‍तुतची तक्रार मे. मंचात दाखल करणे भाग पडले आहे. सबब तक्रारदाराची तक्रार खर्चासह मंजूर करुन विमा क्‍लेमची रक्‍कम रु.50,000/-दि.02/05/09 पासून द.सा.द.शे. 18 टक्‍के व्‍याजासह, मानसिक त्रासापोटी रक्‍कम रु.25,000/- तक्रारीच्‍या खर्चापोटी रु.2,000/- सामनेवाला यांचेकडून वसूल होऊन मिळावेत अशी‍ विनंती तक्रारदार यांनी सदर मंचास केली आहे.

 

 

 

 

 

 

 

I(2009) CPJ 264 JHARKHAND STAET CONSUMER DISPUTES REDRESSAL COMMISSION RANCHI – GOLDEN TRUST FINANCIAL SERVICES & ANR. Vs. MALWA DEVI – First Appeal No.75 of 2008 with First Appeal No.79 of 2006-Decided on 27.11.2008

( i ) Consumer Protection Act, 1986-Section 2(1)(g) –Insurance-Accident Claim-Policy taken through Golden Trust Financial Services-Insured died in accident-Claim not settled- Forum held insurer and G.T.F.S. jointly and severally liable under policy-Hence appeal-Insurance contract entered between insurer and deceased-Certificate of insurance issued by insurer- G.T.F.S. not liable to make payment-Forum erred imposing joint and several liability on G.T.F.S.-Order modified in appeal-Insurer held liable to make payment under policy.

( ii ) Insurance –Terms and Conditions Violated-Intimation and submission of claim delayed-Claimant being illiterate not aware of insurance policy and terms and conditions of policy-Delay in giving intimation and submission of claim genuine-Claim cannot be denied due to violation of terms and conditions-Claim neither settled. Nor repudiated-Condition of policy not applicable-Deficiency in service, in not settling claim, proved-Insurer held liable under policy.

 

           तसेच मा. राज्‍य आयोग, मुंबई पहिले अपील क्र.1009/2007 व कि.अर्ज क्र.1350/2007(मूळ ग्राहक तक्रार क्र.125/2007) मध्‍ये दि.07/01/2008 रोजी पारीत केलेला काही भाग पुढील प्रमाणे- time limit for submission of the claim is prescribed. Provision with regard to time limit made in this behalf cannot be used to defeat the genuine claim. In this particular case, claim submitted by the Tahsildar was very much genuine. The insurance company should have acted promptly and should have credited the insurance amount in the bank account of the widow. The Government declares various benevolent schemes for Agriculturists and person coming from lower strata of society. For effective implementation of the claim, Govt. prescribed simple procedure. Taking into consideration, the illiteracy in the rural areas, the liability is imposed on the Village Revenue Officer and Tahsildar for purpose of collection of necessary documents and submission of the claim to the insurance company. The success of benevolent scheme depends as to how and in what manner such schemes are implemented. Unfortunately, because of lukewarm and obstructive attitude of insurance company, genuine and honest claim of widow is defeated for no fault of her. The insurance company cannot hike its profit by rejecting genuine and honest insurance claim. या आदेशाचा आधार हे मंच घेत आहे. तसेच पुढील पूर्वाधार हे मंच विचारात घेत आहे.

 

2010 (1) CPR 219 MAHARASHTRA STATE CONSUMER DISPUTES REDRESSAL COMMISSION, MUMBAI- Kamalabai Prakash Chavan Vs. The Authorised Signatory ICICI Lombard Insurance Co. Ltd. and Anr. F.A.NO.1052 of 2007 Decided on 5.10.2009- Consumer Protection Act, 1986-Sections 12 and 17-Group Personal Accident Insurance Policy Claim-Policy was obtained by State Government for farmers-Insured husband of complainant was a farmer and died in road accident-Claim was repudiated on ground of delayed intimation-District Forum accepted defence contention and dismissed complaint-Appeal-Claim was preferred after 106 days from death of deceased-Respondent ought not to have repudiated claim only because it was delayed by 106 days-Appellant held entitled to policy amount of Rs. 1,00,000/- with interest at 9% p.a. and cost Rs.2,000. 

 

 

 

 

 

3) तक्रारदारास मानसिक त्रासापोटी रु.1,000/-(रु.एक हजार फक्‍त) व तक्रारीच्‍या खर्चापोटी रु.1,000/-(रु. एक हजार फक्‍त) अदा करावेत