CHANDIGARH: A district shopper disputes redressal discussion board has directed an insurance coverage company to pay Rs 10,000 as repayment for rejecting a declare. The company was once also told to settle the declare amounting to Rs 70,000.
The complainant, owner of Haryana Dairy Farms in Dehri village, Ambala, told courtroom that he had purchased 10 cows through State Bank of India, Panchkula, from October 11, 2013 till October 10, 2016. The complainant stated on December 16, 2015, one of the most cows died. The complainant informed the insurance coverage company about the similar and at the similar day a health care provider was once appointed to analyze the case. He tested the lifeless cow, took its images and tried to take data from the microchip hooked up to the animal. It has been discovered that the chip failed to reply.
It was once told that the complainant after the inspection passed over documents to the doctor, but the similar were returned to him on January 21, 2016, declaring that investigation document has already been filed at the company’s regional place of job and the documents, if any, should be submitted immediately. Following this, the complainant submitted the documents to the regional place of job in conjunction with a letter dated January 25, 2016. In the letter, he had defined the cause of the delays in filing the documents.
The insurance coverage company in its reply had said that the doctor right through the inspection didn't find any chip at the cow and the entire procedure was once finished in the presence of the complainant. It was once additional said that the investigator asked the complainant to offer rationalization over the missing chip, however he couldn’t.
The discussion board was once told that the regional place of job asked the complainant more than one occasions to send relevant documents to avail the declare, but he failed to reply. The company stated that complainant also failed to publish the microchip.
To this, the complainant stated that the microchip was once taken by way of the doctor at the time of inspection. Forum after hearing both the sides held that the company failed to put on file the investigation report to reinforce averments made in the written reply.
“Otherwise also, in our regarded as view if the microchip was once no longer found from the lifeless cow even then the id of the insured cattle may have been easily carried out by way of the investigator through ear tag, color and breed of the lifeless cow,” discussion board stated.
The complainant, owner of Haryana Dairy Farms in Dehri village, Ambala, told courtroom that he had purchased 10 cows through State Bank of India, Panchkula, from October 11, 2013 till October 10, 2016. The complainant stated on December 16, 2015, one of the most cows died. The complainant informed the insurance coverage company about the similar and at the similar day a health care provider was once appointed to analyze the case. He tested the lifeless cow, took its images and tried to take data from the microchip hooked up to the animal. It has been discovered that the chip failed to reply.
It was once told that the complainant after the inspection passed over documents to the doctor, but the similar were returned to him on January 21, 2016, declaring that investigation document has already been filed at the company’s regional place of job and the documents, if any, should be submitted immediately. Following this, the complainant submitted the documents to the regional place of job in conjunction with a letter dated January 25, 2016. In the letter, he had defined the cause of the delays in filing the documents.
The insurance coverage company in its reply had said that the doctor right through the inspection didn't find any chip at the cow and the entire procedure was once finished in the presence of the complainant. It was once additional said that the investigator asked the complainant to offer rationalization over the missing chip, however he couldn’t.
The discussion board was once told that the regional place of job asked the complainant more than one occasions to send relevant documents to avail the declare, but he failed to reply. The company stated that complainant also failed to publish the microchip.
To this, the complainant stated that the microchip was once taken by way of the doctor at the time of inspection. Forum after hearing both the sides held that the company failed to put on file the investigation report to reinforce averments made in the written reply.
“Otherwise also, in our regarded as view if the microchip was once no longer found from the lifeless cow even then the id of the insured cattle may have been easily carried out by way of the investigator through ear tag, color and breed of the lifeless cow,” discussion board stated.
Insurance firm told to pay Rs 80,000 for rejecting claim for dead cow
![Insurance firm told to pay Rs 80,000 for rejecting claim for dead cow]()
Reviewed by Kailash
on
December 30, 2018
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