Insurance Company Must Indemnify Legal Heir – The New Indian Express

Express press service

BENGALURU: The Consumer Disputes Redressal Commission has ruled that in the event of the death of the original owner of the vehicle, the legal heir who is named as agent in the insurance policy is entitled to claim damages in the event of loss of the vehicle.

“The plaintiff is one of the legal heirs of the deceased A Narayana, who had insured his car through Trident Hyundai, who having received the premium after his death, issued a policy for the period from 4 April 2018 to 3 April 2019. Even though the Complainant is not listed as an insured, his name is listed as a nominee, therefore, the Complainant had an insurable interest on the date of the incident,” said the Bengaluru Second Urban District Consumer Dispute Redress Commission.

Welcoming in part the complaint filed by Nithin Narayan of Hongasandra, against HDFC Ergo General Insurance Company Ltd, the Commission said that the vehicle had been completely burnt out but the insurer had failed to pay the sum insured to the plaintiff. This amounts to a service fault. The insurance company is required to pay Rs 5.61 lakh, the cost of the vehicle, with compensation of Rs 50,000, and Rs 5,000 for litigation costs to the plaintiff.

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