The country’s apex consumer commission, NCDRC, has ordered a governmentowned insurance company to pay ₹2 lakh compensation for denying claims to the mother of a motor cyclist who was killed while driving the vehicle that was registered in her name.
NCDRC also slammed the firm for its subjective interpretation of “driver-owner” condition in the insurance document and has asked it to end the ambiguity within three months so that buyers can understand the terms easily. The compensation will be over and above the assured claim of ₹1lakh.
A two-member bench comprising SM Kantikar and Dinesh Singh upheld the order of district forum and Uttar Pradesh State Consumer Commission which had directed United India Insurance Company to pay ₹1 lakh claim to the parents of Shobhit Kumar of Mainpuri, who had died in a road accident in December 2004. He was driving the motorcycle insured with the company, which included personal accident insurance cover. Sobhit’s mother Sarlesh Yadav had paid additional premium of ₹towards personal accident cover of “owner–driver”.
The parents had filed a complaint with the district forum in 2012, which had ordered the insurance company to pay the insured amount. But the company had challenged the order in state commission.
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