The complainant’s case is as follows: The complainant is the nominee of the two policies issued by the respondent to his son named V.D. Linson. The policy numbers are 774854761 and 771816813. The complainant’s son Mr. V.D. Linson died in an accident on 25.6.08. The Pudukkad Police registered a crime No.349/2008 about the accident. So the complainant is entitled for getting double accident benefit as per the terms and conditions of the policy. But the respondent had not allowed the double accident benefit. The respondent allowed only Rs.1,36,396/- on 1.9.08. The complainant is entitled for getting the double benefit. The deceased had valid driving licence but he couldn’t produce the driving licence since he is dead. The non-issuance of the double accident benefit amount is a deficiency in service. Hence the complaint.

 

            2. The respondent is called absent and set exparte.

 

            3. To prove the case of the complainant he filed an affidavit and the documents produced by him are marked as Exts. P1 to P6. 

 

            4. According to the complainant his son Mr. V.D. Linson died in an accident on 25.6.08 who was an insured under two policies of the respondent. The complainant is the nominee of these two policies. As his son is died in an accident, he is entitled to get the “double accident benefit” as per the terms and conditions of the policy. The respondent given only Rs.1,36,396/- on 1.9.08. There is no counter evidence to the evidence of complainant. 

 

            5. In the result, the complaint is allowed and the respondent is directed to give Rs.1,36,396/- more (Rupees one lakh thirty six thousand three hundred and ninety six only) with interest at the rate of 12% per annum from the date of claim till realization with cost Rs.500/- (Rupees five hundred only) to the complainant within two months.