Orissa

Sundargarh

CC/27/2021

Rajni Thakur - Complainant(s)

Versus

The General Manager, Cholamanadalam Ms General Insurance Co. Ltd., Bhubaneswar - Opp.Party(s)

Sri Raghunath Panda, Adv. & Associates

23 Mar 2023

ORDER

  DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION: SUNDARGARH-1

       CONSUMER COMPLAINT CASE NO.27 of 2021

Rajni Thakur, aged about    years,

W/o: - Late Pradeep Thakur,

Ro/Po: - Kutrurma, Ps: - Lephripada,

Dist: - Sundargarh.                                          ….        ….        ….        ….               .Complainant.

                                                         Versus

1.  The General Manager,

           Cholamandalam Ms General Insurance Co. Ltd.,

           At: - 45/46, 2^nd Floor Hotel Basera,

           Ashok Nagar, Bhubanewar-09.

2. General Manager,

          Cholamandalam Ms General Insurance Co. Ltd.,​

          2^nd Floor, Dare House, 2 NSC Bose Road,

           Chennai-600001.

3. The Branch Manager,

          Cholamandalam Invest & Finance Co. Ltd.,

          At/Po: - Sankara,

           Dist: - Sundargarh.                           ….             ….         ….           ….    .Opposite Parties.

Counsel for the Parties:-

For the Complainant                           : - Sri R. Panda. Adv.         

For the O.P. No. 1                               : - Sri N.K. Swain, Adv.

 

Date of filing               : 18.03.2021

Date of Argument       : 02.02.2023

Date of Judgment       : 23.03.2023

                                         Date of Order: 23.03.2023

                                                        Present

       1. Sri Dr. Ramakanta Satapathy, President.

                                 2. Sri Sadananda Tripathy, Member.

    Presented by Sri Ramakanta Satapathy, President.

1. The complainant filed this case alleging deficiency in service of the O.Ps. The complainant purchased a vehicle Eicher 3531 BS-III having Regd. No. OD-16C-0774, Chasis No. MC211KRGOGA-063663. The vehicle was insured with O.Ps vide policy no. 3379/01435279/000/02 after payment of Rs. 72,168/- and the policy was valid for the period 10.05.2018 to 09.05.2019.

       On 10.03.2019 the vehicle met an accident due to bursting of tyre, dashed a shal tree and the truck was severely damaged. Information was given to the O.Ps but they did not pay any heed, rather threatened to seize her residential house. The truck is still in Barkot Police Station, Deogarh District.

      The complainant filed the case against the insurer but narrated about the financier company to whom the vehicle has been hypothecated i.e. Cholamandalam Investment and Financial Co. Ltd., which is a separate body entity. Accordingly, the matter has been taken up.

2. The O.Ps after appearance in their version submitted that the Commission lacks territorial jurisdiction. The complaint is barred by limitation. The vehicle is a commercial vehicle and the complainant is not a ‘Consumer’. There is no any deficiency in service of the O.Ps. The complainant insured the vehicle with the O.Ps. There is no any intimation about incident of 10.03.2019 from the complainant, The complainant is not entitled for any claim.
3. The O.P. No. 3 financier of the vehicle appeared but not filed any version.
4. The complainant filed the R.C. Book of Vehicle No. OD-16C-0774, copy of policy No. 3379/01435279/000/02, Authorisation Certificate of N.P. (Goods) dated 13.07.2018, National Permit for goods carriage having permit no. OR-99-3738/g/2016, Certificate of fitness, driving license of driver Ratnakar Ram issued on 23.02.2011 and account statement dated 26.03.2021.

The O.Ps not filed any documents.

5. Perused the complaint petition, version and documents. The complainant has not filed any documents relating to the accident dated 10.03.2019 i.e. copy of F.I.R, repairing if any or any intimation sent to the insurer. The complainant at Para-6 of the complaint only stated that “the truck is still pending in the premises of the Barkot, Police Station of Deogarh District. The said truck is off road since more than a period of 2 years.” From the said statement the following observations are made:

          a). Accident took place on 10.02.2019 and if any F.I.R./S.D is made it has not been filed.

          b).  The case was filed on 18.03.2021 and no limitation petition nor non-filing of complaint in time was explained.

c). Complainant not filed any documents relating to repairing or claim made before the insurer. For which the O.P. narrowly escaped from loss-assessors report.

d). The insurance of the vehicle was in force but no steps taken by complainant.

In the aforesaid back-drop of the complaint, the case is dismissed against the O.Ps.

Order pronounced in open court on this 23^rd day of March 2023.

Supply freecopies to the parties.                                                                                     

I agree.                                                                                                                                                      

Sadananda Tripathy, Member                                            Dr. Ramakanta Satapathy    

         President

                                     Dictated and corrected by me

                                             Dr. Ramakanta Satapathy, President