{"id":240712,"date":"2020-12-15T17:30:04","date_gmt":"2020-12-15T12:00:04","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=240712"},"modified":"2021-01-08T13:45:38","modified_gmt":"2021-01-08T08:15:38","slug":"ncdrc-investigation-and-survey-by-an-insurance-company-are-fundamental-in-determining-the-amount-payable-to-insured-can-a-survey-be-disregarded-or-dismissed-read-commissions-decision","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2020\/12\/15\/ncdrc-investigation-and-survey-by-an-insurance-company-are-fundamental-in-determining-the-amount-payable-to-insured-can-a-survey-be-disregarded-or-dismissed-read-commissions-decision\/","title":{"rendered":"NCDRC | Investigation and Survey by an insurance company are fundamental in determining the amount payable to insured: Can a survey be disregarded or dismissed? Read Commission’s decision"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): <\/strong>Dinesh Singh (Presiding Member) while addressing the instant first appeal upheld the State Commission’s Order in regard to a claim filed by the insured with the insurance company.<\/p>\n

The instant appeal was filed under Section 19 of the Consumer Protection Act, 1986 challenging the Order passed by the State Consumer Disputes Redressal Commission, Maharashtra.<\/p>\n

Complainant Firm took an insurance policy to cover its plant and machinery, electrical installations and stock-in-trade. The premium was paid for the valid policy. In 2005, an incident of fire took place and the insurance company was intimated after which survey was conducted.<\/p>\n

The complainant had claimed an amount of Rs 17,00,000 but the surveyor assessed the loss at Rs 1,54,500. Since the Complainant Firm failed to submit the relevant record for verification, as mentioned in the Surveyor\u2019s Report. Hence, Insurance Company filed the claim as \u2018no claim\u2019.<\/span><\/p>\n

\n
\n
\n

State Commission vide its impugned Order dated 22-09-2015 allowed the Complaint at the loss assessed by the Insurance Co.\u2019s Surveyor i.e. at Rs 1,54,500 and awarded the said amount with interest at the rate of 9% per annum.<\/p>\n

\n
\n
\n

Complainant Firm appealed before this Commission for enhancement in compensation, specifically for accepting its claimed loss of Rs 17,00,000.<\/p>\n

Analysis and Decision<\/span><\/h3>\n
\n
\n
\n
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Investigation and Survey by an insurance company are fundamental in determining the amount payable to the insured.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/blockquote>\n

\n
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Bench observed that an insurance company is duty-bound to appoint its surveyor in accordance with the provisions of the Insurance Act, 1938 (Section 64 UM Surveyors or loss assessors specifically refers). A Survey cannot be disregarded or dismissed without cogent reasons.<\/span><\/p>\n

Further, the Commission also observed that the onus, <\/span><\/p>\n

[a] of showing that the Report of the Surveyor appointed by the Insurance Co. was flawed and <\/span><\/p>\n

[b] of showing that actually, in fact, the loss was Rs 17,00,000, was on the Complainant Firm, which onus it failed to discharge.<\/span><\/p>\n

Hence, in view of the above discussion, the Commission held that the State Commission had passed a reasoned order.<\/p>\n

State Commission’s impugned order was upheld and confirmed.[Wilson Home Appliances v. New India Assurance Co. Ltd., 2020 SCC OnLine NCDRC 493<\/b><\/a>, decided on 10-12-2020]<\/p>\n

\n

Advocates who appeared for the matter:<\/span><\/strong><\/p>\n

\n
\n
\n

For the Appellant:\u00a0 Ms Manisha T. Karia, Advocate<\/span><\/strong><\/p>\n<\/div>\n

\n

For Respondent 1: Mr S. M. Tripathi, Advocate<\/strong><\/p>\n

For the Respondent 2: Ex parte<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): Dinesh Singh (Presiding Member) while addressing the instant first appeal upheld the State Commission’s Order in <\/p>\n","protected":false},"author":8808,"featured_media":199533,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,11],"tags":[2735,2590,14601,4411,25753,3095,44487,35656],"class_list":["post-240712","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies","tag-Accident","tag-Claim","tag-consumer","tag-insurance-act","tag-insurance-company","tag-NCDRC","tag-survey","tag-surveyor"],"yoast_head":"\nNCDRC | Investigation and Survey by an insurance company are fundamental in determining the amount payable to insured: Can a survey be disregarded or dismissed? 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Viswanath (Presiding Member) expressed that: Section 50 of the Insurance Act imposes a statutory obligation on the part of the Insurance Company to issue notice before the expiry of three months from the date on which premium is payable and has not been\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":308060,"url":"https:\/\/www.scconline.com\/blog\/post\/2023\/11\/30\/insurance-policy-issued-after-inspection-objections-misrepresentation-non-disclosure-cannot-raised-structure-in-fire-ncdrc\/","url_meta":{"origin":240712,"position":2},"title":"Policy issued after inspection, objections of misrepresentation or non-disclosure cannot be raised after structure was gutted in fire: NCDRC","author":"Ridhi","date":"November 30, 2023","format":false,"excerpt":"NCDRC concluded that the Insurance Company failed to establish any misrepresentation or non-disclosure of material facts while obtaining the insurance policy.","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"national consumer disputes redressal commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/national-consumer-disputes-redressal-commission.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/national-consumer-disputes-redressal-commission.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/national-consumer-disputes-redressal-commission.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/06\/national-consumer-disputes-redressal-commission.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":242633,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/01\/22\/ncdrc-what-factors-are-to-be-considered-to-ascertain-whether-a-discharge-voucher-in-full-and-final-settlement-was-signed-voluntarily-or-undue-influence-commission-considers\/","url_meta":{"origin":240712,"position":3},"title":"NCDRC | What factors are to be considered to ascertain whether a discharge voucher in full and final settlement was signed voluntarily or undue influence? Commission considers","author":"Bhumika Indulia","date":"January 22, 2021","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): C. Viswanath (Presiding Member) observed that: \u201cConduct of the insured becomes relevant on the facts of each case to ascertain whether the discharge voucher in the full and final settlement was given\u00a0 voluntarily or there was coercion or undue influence on the Complainant.\u201d The\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":319380,"url":"https:\/\/www.scconline.com\/blog\/post\/2024\/04\/04\/sc-clarifies-that-whether-company-can-file-consumer-complaint-legal-news\/","url_meta":{"origin":240712,"position":4},"title":"Can a company file a consumer complaint under Consumer Protection Act, 1986? SC clarifies","author":"Editor","date":"April 4, 2024","format":false,"excerpt":"In the Consumer Protection Act, 2019, a body corporate was brought within the definition of \u2018person\u2019, indicating that the legislature realized the incongruity in the unamended provision and rectified the anomaly by including the word \u2018company\u2019 in the definition of \u2018person\u2019.","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"consumer complaint by company under Consumer Protection Act","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/04\/company-2.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/04\/company-2.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/04\/company-2.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/04\/company-2.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":32421,"url":"https:\/\/www.scconline.com\/blog\/post\/2016\/01\/12\/national-insurance-co-ltd-directed-to-pay-72-5-lakhs-to-a-marine-service-provider-company-for-loss-of-a-ship\/","url_meta":{"origin":240712,"position":5},"title":"National Insurance Co. Ltd. directed to pay 72.5 lakhs to a marine service provider company for loss of a ship","author":"Sucheta","date":"January 12, 2016","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): NCDRC has dismissed an appeal filed by an insurance company challenging the order of Gujarat State Consumer Disputes Redressal Commission, vide which the Insurance Company was directed to pay Rs.72,50,000\/-\u00a0 with 6% interest from date of filing of a claim, for the loss to\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/240712","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/8808"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=240712"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/240712\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/199533"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=240712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=240712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=240712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}