Chandigarh Consumer Disputes Redressal Forum has held that a car owner who reported damage to his vehicle 69 days after the accident took place cannot demand the insurance claim.
President of the Forum PD Goel and Members Rajinder Singh Gill and Dr Madanjit Kaur Sahota said that the insurance company’s refusal to honour the claim for the vehicle was legal and valid. The Forum observed that in case of an incident where no bodily injury has been caused,the owner must inform the police within 24-hours,and the insurance company within a day or so.
The Forum said that this would enable both the police and the insurance company to verify whether any damage had actually taken place and held that delay in reporting the damage was a violation of the insurance policy norms.
In his complaint,Jasmer Singh,a resident of Mundian village,Ropar,stated that his car met with an accident on September 25,2009 in Mohali. The next day,he lodged an FIR at the local police station,who took the vehicle into possession. Singh said he informed a representative of the insurance company on September 26.
The car was released by the police on October 10,and Singh took it to an authorised dealer of the company for repair. The car was repaired,and the dealer raised a bill of Rs 2.47 lakh. Singh said he approached the insurance company for the claim,who denied to pay out and had to pay the bill himself.
Singh told the Forum that instead of passing his claim,the company repudiated it on the ground that information regarding the accident and consequential loss to the vehicle had been given after a delay of 69 days.
In its reply,the company stated that Singh gave information about the alleged accident on December 3. Singh claimed that he had informed a representative of the company,but the firm denied this claim. The company further denied that Singh paid Rs 2.47 lakh for the repair of his car.
The Forum held that Singh had informed the company only on December 3,and hence was not entitled to the insurance claim for the damage.