IFFCO-Tokio General Insurance Company told to pay up for rejecting claim

CHANDIGARH: The district consumer disputes redressal forum has directed IFFCO-Tokio General Insurance Company to pay Rs 25,000 for rejecting genuine claim of a complainant and directed to settle and pay the claim of Rs 2.8 lakh (IDV of the vehicle) to the complainant along with interest @8% per annum from the date of repudiation of the claim, January 22, 2018, till realisation.

Mahavir Singh had stated he had purchased a Tata Safari car from Dalbir Singh, a Panipat resident, and got the ownership transferred in his name, along with the insurance policy. The insurance was valid from September 10, 2016, to September 9, 2017, and the IDV was Rs 2.8 lakh.

Later, the vehicle met with an accident while saving a stray animal in Panipat, as a result of which the car got damaged. As the claim was submitted, the company appointed a surveyor and claim was offered to be settled on a non-standard basis after deduction. Subsequently, the insurer repudiated the claim by observing damage did not correlate with cause and nature of the accident. The forum noted the surveyor concluded the accident had taken place twoand-half months before the alleged date. Even in that period, the vehicle was insured.