SRI. ROY PAUL    : PRESIDENT

         This is  a complaint  under sec.12 of the Consumer Protection Act 1986 filed the  complainant against  the opposite parties  for  an order  directing  the opposite parties to pay a sum of  Rs.448416/- as insurance  claim along with interest,compensation and cost  etc.
  The case of the complainant in brief:
   The transist mixer bearing Reg.No.KL 58-J2060 of the  complainant  was met with an  accident on 17/4/14 and sustained extensive damage to the vehicle.    But the insurer HDFC Ergo did not permitted the complainant to replace the cabin of the vehicle.  Since the cabin was irreperable  it was replaced also.  Thus the work of the vehicle was  completed  at total cost of Rs. 835402/-.  But the opposite party has remitted a sum of Rs.386986/- to the bank account of the complainant without considering  all the repairing bills.   So  there is  deficiency  of service  and unfair trade practice  on the part of opposite parties .  Hence the  complaint . 
    The opposite parties 1&2 entered appearance before the Fora and submitted their written version.  While opposite party No.3 was set exparte.  Opposite parties 1&2  contended that there is no serious damages for the vehicle.  The claim was  settled for Rs.386986/- on the basis  of the  survey report and bills  as  full and final settlement to the satisfaction of the  claims.  So this complaint is an experimental one to grap money from the opposite parties.  This complaint is  barred U/S 115 of Evidence Act.  The complainant is not entitled for  any relief   from the opposite parties.  Mr. K.C.Sasheendran who filed this complaint  has no  aithority to  represent the complaint firm.  Complaint  may be dismissed with cost. 
        On the  basis of the rival contentions  in  the pleadings the following issues  were framed for  consideration
1 .Whether there is any deficiency  of service or unfair trade practice  on the part of  the opposite party.
2. Whether the complainant is  entitled for  any reliefs
3. Reliefs and costs.
      The   evidence   consists  of the  oral testimony of PW 1 and Exts.A1 to A7 documents on his part.  No oral evidence adduced from the  side of opposite parties.  Exts.B1 to B4 documents were makred. 
Issue No1.   
    The complainant adduced evidence by submitting his  chief  affidavit  in lieu  of  his chief examination to the  tune of the pleadings in the complaint and by denying  the contentions in the version  . He was cross  examined as PW1 by  the opposite parties  and he relied on  Exts A1to A 7 documents also  to substantiate his case.  According to him  before  submitting  the entire repair bills the opposite parties have remitted a sum of Rs.386986/- in to the bank account  of  complainant and  alleged it is the final settlement  amount of the claim.  the power of  attorney to, PW1 was  executed by the Managing Director of the company, so he is entrusted to represent the firm.  The opposite party has not considered  the survey report  of Ext.A5 to A7 invoice for the claim purpose.  Depreciation  rate in the policy and survey report are quite different  also.
    According to the opposite parties the Managing director of the firm has  already received a sum of Rs.386986/- towards the full and final settlement  claim amount  in a satisfactory manner.  The alleged power of attorney holder of the  M.D of the firm has no locus standi to file this fraudlent complaint.  He approached this forum without clear hands.  The claim is for the subsequent repair work done  out of policy.  They relied as Exts.B1 to B4 documents  also to substantiate their defence.  Complaint is liable to be dismissed.  Heard both sides.
        On  perusal of the pleadings ,documents, evidence and  arguments from both sides we are of the  opinion that Exts.A5 to A7 invoices are issued prior to the  payment of claim amount on 2/12/14.  As per Exts.A5 to A7 the total amount of the  work  comes to Rs.835402/-.  On perusal of Ext.B4 survey report dt.19/4/14 the estimated amount was Rs.408486/-.  Insurance company's liability was  fixed by the  surveyor on 21/10/2014  to the tune of Rs.386986/-.  But Ext.A5 and A6 repair bills issued on 21/7/2014 was produced  to the surveyor as per Exts.A4 dt.13/12/14.  So it is clear that  the surveyor who is  arrayed  in the complaint   as opposite party No.3 has not   considered.  Exts.A5&A6  bills  nor prepared any final survey report after the inspection of the work done.  3rd opposite party was the best person to clarify these deformaties, but has not turned up to  appear before the Fora on receipt of summons.  From the  forgoing discussions, documents and findings we hold that the liability of the company was fixed on the baisis of  Ext.A7 invoice only.   On perusal of  Exts.A5&A6  bills we  are of the  opinion that the works narrated  in these  bills are also connected with the accidental work of the vehilce .   We are of the view that the insured as per Ext.B2 policy is M.D. Reena Engineearing and Contractors P.Ltd.  The said M.D has  given power of attorney to the  complaint.  So complaint is maintianable.   Under the above circumstances we hold that  there is  deficiency of service  and unfair trade practice on the part of  the opposite party.  Hence  the issue No.1 found  in favour of the complainant and answered accordingly
 Issue No.2&3
   As discussed above ,  the  3rd  opposite party has not prepared  any final report after completion of the repair work  of the vehicle. Ext.A6 and A7 invoice were not  considered for  settlement of the  claims.  In the survey report Ext.B4 dt.13/4/14 it is reported that  " the above listed damages are  only from the  external  examination of the vehicle from  spot accident.  However ,it is to be check and rectify  in detail  after taking  the vehicle  to  repair  work shop for the damages  if any" So it is clear that Ext.B4 is not a report prepared  after  rectification of the entire damages of the vehicle.  The spares  mentioned  in Ext.A6 is also connected with the accidental repair work of the vehicle.  As per policy conditions the  depreciation 10% is narrated in this bill  also.  Ext.A5 bill is  in connection with repair  charges  of Rs.36517/-.  From the forgoing  discussions and findings we hold that the complaint  firm is entitled for Rs.91928/- from the invoice of Ext.A6 bill  and Rs.10,000/- as  labour charges  from Ext.A5 bill as  additional  claim amount from  opposite parties 1&2.  So the Opposite parties 1&2 are liable to  pay  sum of Rs.1,01,928/- to the complainant  along with Rs. 5000/- as compensation  and Rs.2000/- as litigation cost.  Thus the Issue Nos 2 & 3 are  also  answered accordingly.
        In the result, the complaint is allowed in part directing the opposite parties 1&2 jointly and severally to pay a sum of  Rs.1,01,928/- (Rupees one lakh one thousand  nine hundred and twenty eight only)   as additional insurance claim to the complainant /company  along with Rs. 5000/- as compensation  and Rs.2000/- as litigation cost within  30 days of  receipt  of the order.  Failing which the  said    sum of Rs.101928/-(Rupees one lakh one thousand  nine hundred and twenty eight only)   will carry interest  @10% per annum  from the date of order till realization.  The  complainant  is  at liberty to  execute  the  order as  per the  provisions  of Consumer Protection Act 1986.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      

Exts.
A1 -Certified copy of  power of attorney
A2-13/4/15 Federal Bank Acount statement 
A3- Courier receipt
A4- 13/12/14-covering letter issued to 3rd OP
A5-30/9/14- Invoice 
A6- 21/8/14- do-
A7- 21/8/14-do-
B1- satisfactory  voucher 
B2-Certificate of insurance cum polciy schedule.
B3- Motor insurance claim form
B4-survey report
PW1-   Sasheendran-K.C-   complainant
Sd/                                              Sd/                                                                  Sd/
MEMBER                          MEMBER                                                 PRESIDENT

eva                                               /Forwarded by Order/
                                              
                                                         SENIOR SUPERINTENDENT