w w w . L a w y e r S e r v i c e s . i n



HDFC Standard Life Insurance Co. Ltd. v/s Gangineni Vasundhara


Company & Directors' Information:- I.N. INSURANCE COMPANY PRIVATE LIMITED [Strike Off] CIN = U67200DL1994PTC062554

Company & Directors' Information:- VASUNDHARA PRIVATE LIMITED [Under Process of Striking Off] CIN = U29222KA1972PTC002200

    First Appeal No. 2340 of 2019

    Decided On, 14 February 2020

    At, National Consumer Disputes Redressal Commission NCDRC

    By, THE HONOURABLE MS. JUSTICE DEEPA SHARMA
    By, PRESIDING MEMBER & THE HONOURABLE MR. C. VISWANATH
    By, MEMBER

    For the Appellant: Suman Bagga, Advocate. For the Respondent: ---------



Judgment Text


Deepa Sharma, Presiding Member

Present First Appeal, under Section 19 of the Consumer Protection Act, 1986 (for short “the Act”) has been filed with a delay of 1051 days against the order dated 27.12.2016 of the State Consumer Disputes Redressal Commission, Vijaywada (for short “the State Commission”) in Complaint No.43 of 2016 whereby right of Appellant to file Written Statement was closed. Along with the present Appeal, IA 19452 of 2019 has also been filed wherein the Appellant has stated that there is a delay of 28 days in filing the Appeal. However, the actual delay is of 1051 days from the date of order i.e. 27.12.22016.

2. We have heard the arguments of the learned Counsel for the Appellant on IA.

3. The condonation of delay in filing the Appeal has been sought on the ground that the Appellant learnt of the order dated 27.12.2016 through Sh. T.P. Ravi Shanker, Advocate and received copy of the impugned order on 16.10.2019. The Appellant thereafter sought legal opinion and entrusted the matter to the present Counsel on 05.12.2019 to file the Appeal and hence, it is submitted that there is a delay of 28 days only. It is also argued that petitioner has a good case on merit.

4. We have perused the file. The order which is impugned before us is dated 27.12.2016. The order is reproduced as under:

“The opposite party has not filed written version despite expiry of 30 days limitation by 10.12.2016, and extended period of limitation of 15 days by 25.12.2016 as contemplated U/s. 13(1)(a) of Consumer Protection Act, 1986. When the matter was listed on 22.12.2016, the respondent got filed vakalath of Sri P. Ramachandran, Advocate and the matter was adjourned to 26.12.2016 to enable the opposite party to file written version. The counsel was absent on 26.12.2016 and written version was not filed. The matter was adjourned to today i.e. 27.12.2016 and even today the counsel is absent and written version has not been filed. As such the right of the opposite party to file written version is forfeited in accordance with the judgment of Hon’ble Surpeme Court in New India Assurance Co. Ltd. Vs. Hilli Multipurpose Cold Storage Pvt. Ltd. Rendered on 4.12.2015 (reported in CDJ 2015 SC 943) which makes the position clear that time for filing written version cannot exceed 45 days.

Post on 10.02.2017 for filing evidence affidavit and for marking documents on behalf of complainant.”

5. This order clearly shows that vakalatnama had been filed on behalf of the Appellant on 22.12.2016 and the matter was adjourned for filing the Written Statement within statutory period. It is not disputed that 30 days for filing the Written Statement had expired on 10.12.2016 and the Written Statement was not filed by the Appellant even within the grace period of 15 days, i.e., by 25.12.2016. When the vakalatnama was filed on 22.12.2016, the matter was adjourned for 26.12.2016 to enable the Opposite Party to file Written Statement. However, despite putting up appearance and an opportunity being given to file the Written Statement, no Written Statement was filed and the statutory period for the said purpose expired on 25.12.2016. These facts are not disputed. It is argued that in the impugned order, although it is mentioned that the Counsel did not appear on 27.12.2016, yet the order dated 27.12.2016 carries the attendance of the Counsel for the Appellant. We consider it as a typing mistake in the appearance, as the body of the impugned order clearly states that the Counsel for the Appellant did not appear on 26.12.2016 and 27.12.2016. The order clearly shows that after filing the vakalatnama and putting up the appearance on 22.12.2016, none appeared on behalf of the Appellant on 26.12.2016 and on 27.12.2016. In these circumstances, the State Commission had rightly closed the right of the Opposite Party to file the Written Statement following the dictum of the Hon’ble Supreme Court in “New India Assurance Co. Ltd. Vs. Hilli Multipurpose Cold Storage Pvt. Ltd., I (2016) CPJ 1 (SC)”. This shows that the petitioner does not have good case on merit. But since challenge to this order dated 27.12.2016 is filed only on 18.12.2019 i.e. almost three year by way of this Revision Petition, the petition is delayed and I have heard the arguments on condonation of delay in filing the present revision petition.

IA No. 19452 of 2019 ( condonation of delay)

6. Learned Counsel for the Appellant has argued that there is a delay of only 28 days since they came to know about the impugned order only on 11.10.2019. This argument of learned Counsel is meritless. The Appellant was very well aware of the pendency of the case against them before the State Commission. They were duly served of the Complaint and vakalatnama had been filed by the Counsel of Appellant on 22.12.2016. Thereafter, none appeared on behalf of the Appellant before the State Commission and they claim that after three years they learnt of the impugned order. There is no contention as to how and under what circumstances they learnt of the order on 11.10.2019. The ordersheet dated 11.10.2019 which has been placed on record, does not clearly show that any attendance had been put in by the Appellant even on that day. It is apparent that though the matter was pending before the State Commission from the date of the impugned order i.e. 27.12.2016 till date, but the Appellant has not put in appearance before the State Commission. Since the Appellant was very well aware of the pendency of the Complaint against them and had put in appearance, they were required to be vigilant and expected to enquire about their case through Counsel. There is no plea that the Counsel who appeared before the State Commission on 22.12.2016 did not inform the Appellant about the next date of hearing. There is no averment in the Application that any enquiry had been made by the Appellant about the fate of his case before the State Commission after 22.12.2016. In view of this it cannot be said that the period of limitation for challenging the impugned order had started from 11.10.2019. The period of limitation had begun from the date of the order. There is a delay of 1051 days in filing the present Appeal. The delay can be condoned only if sufficient causes are shown. When there is a delay in filing the Revision Petition/Appeal, the party seeking condonation of delay is required to show reasonable and equitable grounds for condoning such delay. The courts/commissions cannot ignore the provision of law only because the delay is going to cause inconvenience to a particular party. Unless sufficient causes are of such nature which prevented the parties from filing the Revision Petition/Appeal within the period of limitation are shown, the delay cannot be condoned. Parties are also required to show that it had been acting diligently and remained active and the delay had occurred for the reasons which were beyond their control. The Hon’ble Supreme Court in the case of “Ram Lal and Ors. vs. Rewa Coalfields Limited, AIR 1962 Supreme Court 361” has held that condonation of delay is not a matter of right and the courts can exercise its discretion to condone the delay only where sufficient reasons are shown. The Apex Court has held as under:

“12. It is, however, necessary to emphasize that even after sufficient cause has been shown a party is not entitled to the condonation of delay in question as a matter of right. The proof of a sufficient cause is a discretionary jurisdiction vested in the Court by S.5. If sufficient cause is not proved nothing further has to be done; the application for condonation has to be dismissed on that ground alone. If sufficient cause is shown then the Court has to enquire whether in its discretion it should condone the delay. This aspect of the matter naturally introduces the consideration of all relevant facts and it is at this stage that diligence of the party or its bona fides may fall for consideration; but the scope of the enquiry while exercising the discretionary power after sufficient cause is shown would naturally be limited only to such facts as the Court may regard as relevant.”

7. It is also settled preposition of law that delay of each and every day has to be explained. The basic test to determine whether the delay is reasonable or whether the party has been acting with due diligence, the Hon’ble Supreme Court has held in the case of “R. B. Ramlingam vs. R. B. Bhavaneshwari, I (2009) (2) CLJ (SC) 24” as under:

"5. We hold that in each and every case the Court has to examine whether delay in filing the special appeal leave petitions stands properly explained. This is the basic test which needs to be applied. The true guide is whether the petitioner has acted with reasonable diligence in the prosecution of his appeal/petition.”

8. The Hon’ble Supreme Court has also warned this Commission to keep in mind the special nature of the Consumer Protection Act, 198

Please Login To View The Full Judgment!

6 while dealing with application for condonation of delay. In the case of “Anshul Aggarwal vs. New Okhla Industrial Development Authority, (2011) 14 SCC 578,” the Hon’ble Supreme Court has held as under: “5. It is also apposite to observe that while deciding an application filed in such cases for condonation of delay, the Court has to keep in mind that the special period of limitation has been prescribed under the Consumer Protection Act, 1986 for filing appeals and revisions in consumer matters and the object of expeditious adjudication of the consumer disputes will get defeated if this court was to entertain highly belated petitions filed against the orders of the consumer Fora." 9. The Appellant has failed to set out any sufficient grounds for condonation of delay. The Appeal is therefore liable to be dismissed on this count as well. 10. The Appeal stands dismissed on the ground of being barred by limitation and also that it has no merit in it.
O R







Judgements of Similar Parties

04-08-2020 Kaizen Organics Pvt. Ltd., Jaipur Versus National Insurance Co. Ltd. & Another National Consumer Disputes Redressal Commission NCDRC
31-07-2020 National Insurance Co. Ltd. Through Rajesh Kumar Dy. Manager, New Delhi Versus Biking Food Products (P) Ltd., Telangana National Consumer Disputes Redressal Commission NCDRC
28-07-2020 M/s. Royal Sundaram Alliance General Insurance Co.Ltd., Rep.by its Branch Manager, Cantonment Versus Kaanikkaimery & Others High Court of Judicature at Madras
27-07-2020 Oriental Insurance Co. Ltd. Through Its Duly Constituted Attorney, Oriental Insurance Co. Ltd., New Delhi Versus Vikash Kumar National Consumer Disputes Redressal Commission NCDRC
27-07-2020 IFFCO Tokio General Insurance Co. Ltd., Maharashtra Versus Ashok Laxman Mane & Others National Consumer Disputes Redressal Commission NCDRC
27-07-2020 Tata AIG Life Insurance Co. Ltd., Maharashtra Versus Mampi Dhar (Gosh) & Another National Consumer Disputes Redressal Commission NCDRC
24-07-2020 Gurbax Singh Banga Versus Aviva Life Insurance Co. India Pvt. Ltd., Punjab & Others National Consumer Disputes Redressal Commission NCDRC
24-07-2020 National Insurance Company Limited Through Its Duly Constituted Attorney Manager, New Delhi Versus M/s. D.D Spinners Pvt. Ltd., Panipat National Consumer Disputes Redressal Commission NCDRC
22-07-2020 Reliance Nippon Life Insurance Co. Ltd., Maharashtra Versus Sujoy Chatterjee National Consumer Disputes Redressal Commission NCDRC
21-07-2020 Ex-Subedar Vinod Kumar Sharma Versus National Insurance Co. Ltd. National Consumer Disputes Redressal Commission NCDRC
21-07-2020 SBI Life Insurance Co. Ltd., West Bengal Versus Kajari Gayen & Another National Consumer Disputes Redressal Commission NCDRC
20-07-2020 Bajaj Allianz General Insurance Co. Ltd. & Another Versus Mahesh Gundappa Gouder In the High Court of Bombay at Goa
20-07-2020 National Insurance Co. Ltd. Through National Legal Vertical, New Delhi Versus M/s. Krishna Spico Industries Pvt. Ltd., Ghaziabad & Another National Consumer Disputes Redressal Commission NCDRC
17-07-2020 Branch Manager, Bajaj Allianz General Insurance Company Limited, Chhattisgarh Versus Ansat Siya & Others High Court of Chhattisgarh
16-07-2020 Bajaj Allianz General Insurance Co. Ltd. Versus Chandan Tulsidas Gauthankar & Others In the High Court of Bombay at Goa
10-07-2020 Bajaj Allianz General Insurance Co. Ltd. Versus Matilda Fernandes & Others In the High Court of Bombay at Goa
10-07-2020 IFFCO Tokio General Insurance Co. Limited, Chhattisgarh Versus Kamin Bai & Others High Court of Chhattisgarh
10-07-2020 Life Insurance Corporation of India Through Its Additional Secretary (Legal), New Delhi Versus Anil Laxman Matade National Consumer Disputes Redressal Commission NCDRC
06-07-2020 M/s. Liberty General Insurance Limited (formerly known as M/s. Liberty Videocon General Insurance Co. Ltd. Versus Md. Haseena & Others High Court of for the State of Telangana
06-07-2020 National Insurance Co. Ltd., Chennai Versus A. Badurinssa & Others High Court of Judicature at Madras
02-07-2020 Life Insurance Corporation of India, through Manager (L & HPF), (CG) Versus Dhanya Kumar Jain & Others High Court of Chhattisgarh
01-07-2020 M/s. Gulabchand Shankar Versus Oriental Insurance Co. Ltd., Rajasthan & Another National Consumer Disputes Redressal Commission NCDRC
30-06-2020 M/s. United India Insurance Company Limited Versus Md. Khayyumkhan & Others High Court of for the State of Telangana
26-06-2020 Reliance Life Insurance Co. Ltd. & Another Versus Girijabai & Others National Consumer Disputes Redressal Commission NCDRC
26-06-2020 Reliance Nippon Life Insurance Co. Ltd. & Another Versus Sajal Kumar Banerjee National Consumer Disputes Redressal Commission NCDRC
25-06-2020 United India Insurance Co. Ltd. Versus Amar Singh Raghuwanshi National Consumer Disputes Redressal Commission NCDRC
25-06-2020 Amar Plastics Versus Iffco-Tokio General Insurance Co. Ltd. & Another National Consumer Disputes Redressal Commission NCDRC
25-06-2020 M/s. Goodwill Leather Art Rep By its Prop Md Quddus ALi Alias Md Quddus Ali Molla Versus National Insurance Co. Ltd. & Others National Consumer Disputes Redressal Commission NCDRC
23-06-2020 M/s. Jain Textiles, Ashok Jain Versus United India Insurance Company Ltd. National Consumer Disputes Redressal Commission NCDRC
19-06-2020 Ram Avtar Versus National Insurance Co. Ltd. National Consumer Disputes Redressal Commission NCDRC
18-06-2020 Rajendra Singh & Others Versus National Insurance Company Limited & Others Supreme Court of India
18-06-2020 Jaspreet Singh Bakshi Versus SBI General Insurance Company Ltd., Chandigarh & Others National Consumer Disputes Redressal Commission NCDRC
16-06-2020 Savitha Versus M/s. Cholamandalam M.S. General Insurance Co. Ltd. & Others Supreme Court of India
15-06-2020 Piara Ram Versus National Insurance Co. Ltd. Through Its Manager, Punjab National Consumer Disputes Redressal Commission NCDRC
12-06-2020 M.H. Uma Maheshwari & Others Versus United India Insurance Co. Ltd. & Another Supreme Court of India
05-06-2020 Vinita Sethi Versus ICICI Prudential Life Insurance Company Ltd. & Another National Consumer Disputes Redressal Commission NCDRC
04-06-2020 M/s. United India Insurance Company Limited, Chennai Versus N. Prathap & Another High Court of Judicature at Madras
01-06-2020 P. Subramanian Versus The Insurance Ombudsman, Teynampet & Others High Court of Judicature at Madras
19-05-2020 Branch Manager Tata AIG General Insurance Company Limited, Bilaspur C.G. Versus Kashi Ram Sahu & Others High Court of Chhattisgarh
24-04-2020 Bajaj Allianz General Insurance Co. Ltd. & Another Versus The State of Madhya Pradesh Supreme Court of India
17-04-2020 Diljit Singh Bindra Versus Life Insurance Corporation of India Supreme Court of India
23-03-2020 The Branch Manager, National Insurance Company Limited, Sikkim Versus Bishal Chettri & Another High Court of Sikkim
20-03-2020 Oriental Insurance Company Limited Through Chief Manager Versus Arvind Kumar Jain National Consumer Disputes Redressal Commission NCDRC
20-03-2020 Branch Manager, Bajaj Allianz Life Insurance Co. Ltd., Punjab & Others Versus Dalbir Kaur National Consumer Disputes Redressal Commission NCDRC
18-03-2020 United India Insurance Company Limited Versus Mora Devi High Court of Rajasthan Jodhpur Bench
13-03-2020 Ashawati Singh & Others Versus Life Insurance Corporation off India, Thrpugh Divisional Manager, Allahabad National Consumer Disputes Redressal Commission NCDRC
13-03-2020 IFFCO-TOKIO General Insurance Co. Ltd., Represented by its Manager, K.S.C.M.F. Buildings, Bangalore Versus Mageswari & Others High Court of Judicature at Madras
13-03-2020 The National Insurance Co. Ltd., Kolkata, through its Regional Manager Versus Marotrao & Others In the High Court of Bombay at Nagpur
13-03-2020 The Branch Manager, National Insurance Co. Ltd. Versus Suchandra Basak West Bengal State Consumer Disputes Redressal Commission Kolkata
12-03-2020 United India Insurance Co. Ltd., Tiruppur Versus Kaveriammal & Others High Court of Judicature at Madras
12-03-2020 National Insurance Co. Ltd., National Legal Vertical (Legal Cell), New Delhi Versus Biswadeb Koley & Others National Consumer Disputes Redressal Commission NCDRC
12-03-2020 The Branch Manager, Oriental Insurance Company Limited, Tiruvannamalai Versus Poongavanam & Others High Court of Judicature at Madras
12-03-2020 The Branch Manager, National Insurance Co. Ltd. Versus Subhash Mahanta West Bengal State Consumer Disputes Redressal Commission Kolkata
12-03-2020 M/s. National Insurance Co. Ltd., Puducherry Versus Rani & Others High Court of Judicature at Madras
11-03-2020 M/s. National Insurance Co. Ltd., Basheerbagh, Hyderabad through local branch at Khammam Versus F.R. Phillip High Court of for the State of Telangana
11-03-2020 Divisional Manager, M/s. Cholamandalam MS General Insurance Company Limited, Chennai Versus Anandan & Another High Court of Judicature at Madras
11-03-2020 M/s. United India Insurance Co. Ltd., Div. Office- I, Secunderabad Versus Syed Mohd. Rayees & Another High Court of for the State of Telangana
11-03-2020 Agrocel Industries Pvt. Ltd. Versus United India Insurance Company Ltd. High Court of Judicature at Bombay
11-03-2020 S. Mahadevan Versus The General Manager, (Appellate Authority) Personnel Department, United India Insurance Company Ltd., Chennai High Court of Judicature at Madras
10-03-2020 M/s. Professional Management Consultants (P) Ltd., Chennai Versus Employees State Insurance Corporation, Rep by its Joint Director, Chennai High Court of Judicature at Madras
09-03-2020 The Branch Manager, M/s The Oriental Insurance Company Ltd. Through Divisional Manager Versus Jayanti Devi & Others High Court of Jharkhand
06-03-2020 National Insurance Co. Ltd., Rajasthan & Another Versus Bhawal Synthetics India Ltd., Rajasthan & Others National Consumer Disputes Redressal Commission NCDRC
06-03-2020 The Oriental Insurance Co., Ltd., Palghad, Kerala State Versus M. Arul @ Arulkumar & Others High Court of Judicature at Madras
06-03-2020 Poonam Devi & Others Versus Oriental Insurance Co. Ltd. Supreme Court of India
06-03-2020 Mumtaz & Others Versus The National Insurance Co. Ltd., & Another High Court of Karnataka
05-03-2020 The Divisional Manager, Oriental Insurance Company Limited, Vellore Versus R. Damodharan & Another High Court of Judicature at Madras
05-03-2020 National Insurance Co. Ltd., Chennai Versus S. Chitirai Pandian & Others High Court of Judicature at Madras
05-03-2020 United India Insurance Co. Ltd., Chennai Versus B. Sudha & Others High Court of Judicature at Madras
05-03-2020 Divisional Manager, Oriental Insurance Co. Ltd., Divisional Office, Mythe Estate, Kaithu, Shimla, Himachala Pradesh Versus Bir Singh Rana National Consumer Disputes Redressal Commission NCDRC
04-03-2020 The Divisional Manager, The Oriental Insurance Co. Ltd., Tiruvannamalai Versus Suresh Kumar & Others High Court of Judicature at Madras
04-03-2020 Nirmala Kothari Versus United India Insurance Co. Ltd. Supreme Court of India
03-03-2020 The Oriental Insurance Co.Ltd., Broadway, Chennai & Another Versus G. Saravanan & Another High Court of Judicature at Madras
03-03-2020 M/s. Deluxe Enterprises, H.P. Versus Oriental Insurance Company Ltd., Punjab National Consumer Disputes Redressal Commission NCDRC
03-03-2020 Life Insurance Corporation Of India Through Its Additional Secretary(Legal), New Delhi Versus Raj Vilas Dongre & Others National Consumer Disputes Redressal Commission NCDRC
03-03-2020 Reliance General Insurance Co. Ltd., Salem Versus Parameshwari & Others High Court of Judicature at Madras
03-03-2020 United India Insurance Company Limited Versus Yechuri Nirmala & Others High Court of for the State of Telangana
02-03-2020 G.T.P. Transport Company, Swaranpuri, Salem & Another Versus National Insurance Company Ltd., Divisional Manager, Salem & Another High Court of Judicature at Madras
02-03-2020 Branch Manager, National Insurance Co. Ltd., Represented by Regional Manager, National Insurance Co. Ltd., Bengaluru Versus Latha & Others High Court of Karnataka
02-03-2020 Royal Sundaram Alliance Insurance Co. Ltd., Chennai Versus Abutahir & Others High Court of Judicature at Madras
02-03-2020 M/s. Bharti AXA General Insurance Co. Ltd., Doddaanekundi, Bangalore Versus Narasimman & Others High Court of Judicature at Madras
02-03-2020 Employees State Insurance Corporation, Represented by Its Director General, New Delhi & Others Versus Dr. P.S. Naina High Court of Kerala
02-03-2020 The Oriental Insurance Co. Ltd., Represented by its Manager, Dharmapuri Versus Venkatraman & Others High Court of Judicature at Madras
02-03-2020 Geetha & Others Versus United India Insurance Company Limited, Neyveli High Court of Judicature at Madras
28-02-2020 ICICI Prudential Life Insurance Company Limited, Represented by its Authorised Signatory & Others Versus Chittipolu Uma Telangana State Consumer Disputes Redressal Commission Hyderabad
28-02-2020 M/s. Techno Global Services Pvt. Ltd. & Another Versus National Insurance Co. Ltd. & Others West Bengal State Consumer Disputes Redressal Commission Kolkata
27-02-2020 National Insurance Co. Ltd. Versus Bhagwan Bhika Shirsath & Others High Court of Judicature at Bombay
27-02-2020 M/s. Royal Sundaram Alliance Insurance Co. Ltd., Chennai Versus Karmi Devi & Others High Court of Judicature at Madras
26-02-2020 M/s. Food Corporation of India, Represented by its Area Manager, Coimbatore Versus Employees State Insurance Corporation, Represented by its Deputy Director, Coimbatore High Court of Judicature at Madras
26-02-2020 The Oriental Insurance Company Limited, Chennai Versus M. Baby Rani & Others High Court of Judicature at Madras
25-02-2020 Life Insurance Corporation of India Versus Mukesh Poonamchand Shah Supreme Court of India
25-02-2020 Bajaj Allianz General Insurance Co. Ltd. Versus M/s. MPT Amtek Automotive Ltd. Delhi State Consumer Disputes Redressal Commission New Delhi
24-02-2020 The Branch Manager, The Oriental Insurance Co. Ltd., Divisional Office at Puducherry Versus Prabu, Rajendran, Senthilkumar, Nagappan, Chandrasekar & Minor Balaji, Rep. by his mother & next friend Jothi & Others High Court of Judicature at Madras
24-02-2020 Shriram General Insurance Company Ltd. Versus Arvind Chauhan & Others High Court of Uttarakhand
24-02-2020 The Manager, HDFC ERGO General Insurance Company Ltd., Chennai Versus Kannamma & Others High Court of Judicature at Madras
20-02-2020 Oriental Insurance Company Ltd., Maharashtra Versus M/s. Dangi Financial & Management Consultancy Pvt. Ltd. Maharashtra National Consumer Disputes Redressal Commission NCDRC
20-02-2020 S. Senguttuvel & Others Versus The Branch Manager, United India Insurance Co., Ltd., Salem & Others High Court of Judicature at Madras
20-02-2020 Life Insurance Corporation of India, Through its Manager (L & HPF) Versus Meera Mehbubani Delhi State Consumer Disputes Redressal Commission New Delhi
20-02-2020 United India Insurance Co. Ltd. Motor TP Claims Hub, Represented by its Manager Versus T. Thimmanna & Others High Court of Karnataka
19-02-2020 M/s. Pankaj Trading Company Proprietor Mr. Manoj Jain & Others Versus National Insurance Company Ltd. Rajnandgaon Chhattisgarh National Consumer Disputes Redressal Commission NCDRC
18-02-2020 Divisional Manager, United India Insurance Co. Ltd., Vellore V/S Rani & Another High Court of Judicature at Madras