The district consumer disputes redressal commission of Bageshwar, in a case of a resident of Bageshwar, whose vehicle met with an accident, ruled in favour of United India Insurance Company, and ordered that there was no deficiency in services by rejecting the accidental claim for the damaged vehicle as the driver was in an inebriated state at the time of the accident.
A resident of Bageshwar, Subodh Lal Sah approached the commission seeking compensation of around Rs 2.5 lakh for the damage caused by his mini truck ramming into a shop in 2014.
During the survey, the insurance company received the driver’s medical report, which stated that he had consumed alcohol. Based on the medical report, the company rejected the insurance claim.
In his petition, Sah said that his car met with an accident on the last day of 2014 and he informed the insurance company on January 1, 2015, after registering an FIR at the Bageshwar Kotwali police station.
Sah said that the surveyor of the insurance company has assessed the loss of Rs 2,48,383. He said that after getting the vehicle repaired, he handed over all the documents to the company, but he was not given any compensation.
The insurance company told the court that in the second survey it was revealed that the driver Ganesh Singh was in an inebriated state, who was admitted to the government hospital after the accident. Driver Singh’s medical report mentioned that “he had consumed alcohol-like substance,” which was a clear violation of the policy.
After going through the evidence, the commission was satisfied that there was indeed a violation of the policy as the driver of the vehicle was intoxicated when the accident occurred and dismissed the petition, giving relief to the insurance company.
