West Bengal

Bankura

CC/76/2017

Swapan Kumar Dangar - Complainant(s)

Versus

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

Ardhendu Ghosh

17 Aug 2023

ORDER

   IN    THE   DISTRICT   CONSUMER   DISPUTES   REDRESSAL COMMISSION,  BANKURA

  Consumer Complaint No. 76/2017

          Date of Filing: 16/11/2017

Before:                                        

1. Samiran Dutta                             Ld. President.      

2. Rina Mukherjee                          Ld. Member. 

3. Siddhartha Sankar Bhui            Ld. Member.

 

For the Complainant:  Ld. Advocate Ardhendu Sekhar Ghosh

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

Complainant

Swapan Kumar Dangar, Vill & P.O.Chuamosina, Dist. Bankura- 722 157

Opposite Party

1.Manager, Bajaj Allianz General Insurance Co. Ltd., 3^rd Floor, Block-3B Eco Space Plot No.11/F/11 Rajarhat Newtown, Kolkata- 700 160

2.Rudra Automobiles Pvt. Ltd., Vill & P.O.Kesiakole, Bankura

 

                                                                                      FINAL ORDER / JUDGEMENT                                                                                                                                                           

Order No.39

Dated:17-08-2023

Complainant files hazira through advocate.

O.P. No.1 also files hazira through advocate.

No step is taken by O.P. No.2

The case is fixed for Argument. After hearing Argument / written Argument from both sides the Commission proceeds to dispose of the case as hereunder: -

The Complainant’s case is that he took an Insurance Policy from O.P. No.1 bearing No.HBZ/11454853, valid from 10/06/2017 to 09/06/2018 in respect of his Vehicle bearing No. WB68TC 63/02. But on 01/07/2017 the said new Vehicle was damaged due to sudden dash on a wall and immediately the Complainant informed the incident to the O.P. / Insurance and got the damaged car repaired by O.P. No.2 at his own cost. Thereafter the Complainant submitted claim application for the repairing cost of the damaged Car for Rs.46,000/- to the O.P. Insurance Authority who did not pay the entire sum and hence this case.

O.P. No.1/Insurance Co. contested the case by filing a written version contending inter alia that the claim of the Complainant has already been disposed of by payment of Rs.24,924/- on proper assessment of the damage of the Car by the competent surveyor of the O.P. and as such the Complainant is not entitled to get any relief in this case.

                                                                                                                                                                                    Contd……p/2

                                                                                                           Page: 2

-: Decision with reasons: -

Having regard to the facts of the case, contention and submission on both sides and the documents on record the Commission finds that the Complainant raised a repairing Bill of the damaged Car for Rs.46,000/- (Annexure-8) through O.P. No.2 Centre to O.P. No.1 Insurance Co.   No explanation is forthcoming from the O.P. No.1 side as to why the entire bill amount of Rs.46,000/- is not admissible for reimbursement as per terms and conditions of the Policy. Though the O.P. No.1 has made part payment of Rs.24,924/- but they cannot avoid their liability to satisfy the reimbursement bill as claimed by the Complainant.

However, considering the nature and extent of damage and the attending facts and circumstances the Commission likes to fix the repairing cost of the damaged vehicle at Rs.35,000/- out of which Rs.24,924/- has already been paid and so O.P. No.1 is to pay the balance amount of Rs. 35,000/- - Rs.24,924/-) i.e. Rs.11,076/- to the Complainant.

The case accordingly succeeds in part.

Hence it is ordered……..

That the case is allowed on contest in part without cost.

O.P. No.1 is directed to pay to the Complainant Rs.11,000/- (round figure) within forty five days from this date in default law will take its own course.

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

 

                 ____________________                             _________________                             _________________

                  HON’BLE   PRESIDENT                       HON’BLE MEMBER                         HON’BLE MEMBER