Karnataka

Bidar

CC/87/2014

SHAIK ABDUL KHALEEQ - Complainant(s)

Versus

SRIRAM GENERAL INSURANCE COM.LTD SITUPURA JAIPUR 302022 - Opp.Party(s)

K H PATIL

28 Sep 2016

ORDER

::BEFORE THE DISTRICT CONSUMER DISPUTES REDRESSAL FORUM, AT BIDAR::

 

 

                                                                                                       C.C.No. 87/2014

 

                                                                                      Date of filing : 13/11/2014

 

                                                                                 Date of disposal : 28/09/2016

 

 

P R E S E N T:-              (1) Shri. Jagannath Prasad Udgata,

                                                                                         B.A., LL.B.,

                                                                                                    President.

    

                                      (2) Shri. Shankrappa,(Halilpurgi)

                                                                          B.A.LL.B.,

                                                                                     Member.

 

 

COMPLAINANT:          Shaik Abdul Khaleeq,

                                      Age: 45 years, Occ:Self employment,

                                         R/o Noor Khan Talee, Bidar.

                                        

 

 

                                     (By Shri. K.H.Patil, Advocate)

 

 

                                                      VERSUS

 

OPPONENT/S   :-             1.    Shriram General Insurance Co.Ltd.,

                                             E-8, EPIP, RIICO, Sitapur Jaipur-302022.

                                                (Rajastan).

 

                                        2.      Shriram Transport Finance Co.Ltd.,

                                             Tripurant Road, Basavakalyan,

                                                 Dist. Bidar.

 

 

                       

                                      (O.P.No.1 by Shri.Prakash.V.M., Advocate)

                                      ( O.P.No.2 by Shri. Rajesh G., Advocate)

 

 

 

 

 

 

 

::   J UD G M E N T  : :

 

 

By Shri. Jagannath Prasad Udgata, President.

 

The complainant is before  us U/s. 12 of the C.P.Act., 1986, filed against the O.Ps claiming reimbursement  of a sum of Rs.2,23,900/- for damage to his vehicle.

 

2.           The gist of the case is as here under:

               That he was an owner of lorry (Ashok Leyland)                                  bg.no. KA-39-2499 which was plying for a livelihood.  The lorry was under insurance coverage issued by the O.P.no.1 vide policy no.10010/31/14/007876, the ownership of lorry in question was aquired by the complainant on 19-10-2013.  Fitness certificate of the lorry was valid up to 10-10-2014.

3.               While the matter stood us such the lorry met with an accident on 23-10-2013 at Margutti cross of Gulbarga-Humnabad high way and he had to spend a sum of Rs. 2,23,900/- for  repair of the vehicle.  After getting the vehicle repaired when he approached the O.P.no.1 Insurance company they did not come forward to reimburse the repair charges and hence, after serving a legal notice (Ex.P.1) on 20-08-2014 he is before us seeking damages and compensation.  On the receipt of the Court notices both the O.Ps have put up appearance in the case and the Insurance company has vehemently denied the insurable claims of the complainant.  It is further stated by the Insurance Company that, the estimates of the complainant is highly inflated and hence not due, more so when the complainant/transferee has failed and neglected to inform the Insurance Company regarding transfer as prescribed U/s. 157(2) of the Motor Vehicle Act.  The complainant all together submitted ten documents listed at the end of the order and both sides have filed their respective evidence affidavits and also written arguments.

4.            In support of his claim the complainant has submitted before us the Judgment rendered by the Hon’ble National Commission reported in I (2009) CPJ 183 (NC) Oriental Insurance Co.LTd. V/s Om Prakash Gupta & anr. The ratio of which reproduce here under:

Insurance- Insurable interest- Contention, vehicle transferred to transferee- Insurance policy not transferred- No insurable interest created in favour of complainant-Contention not acceptable-As per GR-10 issued by Traffic Advisory Committee on sale of vehicle benefits under policy, on date of transfer automatically accrue to new owner- Vehicle already transferred in name of complainant in RTO record- Complainant entitled to benefits accruing from policy-Insurer held liable to pay value of vehicle with interest- No interference required revision.

 

5.                Per contra in support of their defence the O.Ps have  relied upon two Judgments by the Hon’ble National Commission in R.P.No.3597/2008 date of disposal 16-01-2014 ( New India Assurance Co.Ltd. V/s Akbar and also another order of the National Commission in R.P.no. 3216/2015 date of disposal 16-08-2016. Future General  India Insrance Co. V/s Sombir).  From the documents submitted by the complainant in this case we observe a letter dated 20-12-2013 (Ex.P.6) sent by Shriram General Insurance Co. to           M/s Shriram Transport Finance Co.Ltd. in which, it has been claimed that as on the date of accident the insured M/s Shriram Transport Finance Co.Ltd. as appears in Ex.P.7 was no more having insured interest on the vehicle under reference, having been sold to the complainant much earlier to the date of accident.

6.              The entire origin and genesis of the case now veers around the correct interpretation of section 157(2) of the Motor Vehicle Act. in which a responsibility has been casted upon the transferee to intimate the fact of the transfer to the insurer within a period of 14 days.  While interpreting the provisions of section 157 IMV Act., even though the Hon’ble National Commission has on lthe year 2009 construed a liberal view in favour of the insured, in the two recent Judgments quoted by the O.P.no.1 the National Commission had completely ignored any benevolent construction in favour of the transferee contravening section 157(2) of the vehicle act.  The later two cases having been of recent origin compels us to answer the claims of the complainant in negative since in Ex.P.7 the name of M/s Shriram Transport Finance  Co. Ltd. has been appearing as the insured and the present complaint would be precluded to claim anything from the insurer O.P.no.1.   Accordingly, we proceed to pass the following:

 

 

 

: :   ORDER : :

 

                  The complaint filed by the complainant is dismissed as not maintainable.    There would be no order as to costs.

                                                                                        

 

 

 

 

   ( Typed to our dictation then corrected, signed by us and then pronounced in the open Forum on this 28^th   day of September-2016 )

 

 

           Sd/-                                                                Sd/-

Sri. Shankrappa H.                                             Sri. Jagannath Prasad                                  

         Member.                                                                President.

Documents filed by the complainant.

 

1. Ex.P.1- Office copy of legal notice.
2. Ex.P.2- FIR. 
3. Ex.P.3- Charge-sheet.
4. Ex.P.4- Goods carriage  permit.
5. Ex.P.5- Goods carriage permit.
6. Ex.P.6-Letter of Shriram General Insurance Co. To Shriram Transport Finance Co.Ltd.
7. Ex.P.7-Insurance certificate.
8. Ex.P.8-B-Register Extract of the lorry under reference.
9. Ex.P.9-Registration Certificate.
10. Ex.P.10-Estimate copy.
11. Ex.P.11- & P.12- Challans of Transport department.
12. Ex.P.13- Copy of Driving Licence.

 

 

           Sd/-                                                                Sd/-

Sri. Shankrappa H.                                             Sri. Jagannath Prasad                                  

         Member.                                                                President.                                                               

DOCUMENTS RELIED UPON BY THE PARTIES (COPIES)

1.	Ex.P.1	Certificate of Registration of the vehicle KA-32 A 4563
2.	Ex.P.2	Death Certificate of Peer Pasha.
3.	Ex.P.3	Office Copy of Legal Notice dated: 01-03-2013.
4.	Ex.P.4	Four Postal receipts.
5.	Ex.P.5	Postal acknowledgment forms (three number & combined)
6.	Ex.P.6	Money receipt dated: 10-04-2012.
7.	Ex.P.7	Money receipt dated: 28-09-2011
8.	Ex.P.8	Money receipt dated: 27-09-2011
9.	Ex.P.9	Money receipt dated: 04-08-2011
10.	Ex.P.10	Money receipt dated: 12-07-2011
11.	Ex.P.11	Money receipt dated: 10-06-2011       Totally remitted by
12.	Ex.P.12	Money receipt dated: 12-04-2011     late Syed Peer Pasha
13.	Ex.P.13	Money receipt dated: 18-03-2011          Rs. 4,78,100/-
14.	Ex.P.14	Money receipt dated: 07-01-2011
15.	Ex.P.15	Money receipt dated: 13-12-2010
16.	Ex.P.16	Money receipt dated: 03-07-2010
17.	Ex.P.17	Money receipt dated: 06-05-2010
18.	Ex.P.18	Cheque of AXIS BANK (Drawee not mentioned)
19.	Ex.P.19	Representation to Asst. R.T.O. Basavakalyana dated: 07-06-2013
20.	Ex.P.20	Notice of the A.R.T.O. to Syed Peer Pasha (Loanee) dated: 29-05-2013 (much after death).
21.	Ex.P.21	Application of Shriram Transport Finance Co.Ltd., to A.R.T.O. Basavakalyana dated: 27-05-2013 (Death of Peer Pasha not mentioned)
OPPOSITE PARTIES
1.	Ex.R.1	Loan cum Hypothecation agreement dated: 23-10-2010 with appendixes (Spl. noting at Schedule III)
2.	Ex.R.2	Loan cum Hypothecation agreement of restructured loan dated: 27-10-2012 (Spl. Noting at Schedule III) of the document.
3.	Ex.R.3	Certificate of Insurance dated: 31-03-2010.
4.	Ex.R.4	R.C. Book of vehicle No. KA 32 A 4563.
5.	Ex.R.5	Insurance Certificate for the above said vehicle.
6.	Ex.R.6	National permit of the above said vehicle.
7.	Ex.R.7	Authorisation certificate of N.P. (Goods) issued by Secretary, R.T.A. Government of Karnataka.
8.	Ex.R.8	Summary of loans for vehicle No. KA 32 A 4563.
9.	Ex.R.9	Details of agreement dated: 23-11-2013 by Shriram Finance.
10.	Ex.R.10	Certificate of Insurance issued by OP No.3
11.	Ex.R.11	Instrument of G.P.A.

 

           Sd/-                                                                Sd/-

Sri. Shankrappa H.                                             Sri. Jagannath Prasad                                  

         Member.                                                                President.