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



Nirmala Kothari v/s United India Insurance Co. Ltd.


Company & Directors' Information:- UNITED INDIA INSURANCE COMPANY LIMITED [Active] CIN = U93090TN1938GOI000108

Company & Directors' Information:- M D KOTHARI & COMPANY LTD [Active] CIN = U74900WB1985PLC068413

Company & Directors' Information:- D S KOTHARI PVT LTD [Active] CIN = U70101AS1980PTC001858

Company & Directors' Information:- KOTHARI & CO PVT LTD [Active] CIN = U51909WB1946PTC014210

Company & Directors' Information:- J B UNITED PRIVATE LIMITED [Active] CIN = U93000MH2014PTC258844

Company & Directors' Information:- J B UNITED PRIVATE LIMITED [Active] CIN = U74999MH2014PTC258844

Company & Directors' Information:- M D KOTHARI & CO PVT LTD [Strike Off] CIN = U17232WB1932PTC007446

Company & Directors' Information:- KOTHARI (INDIA) PRIVATE LIMITED [Active] CIN = U74140RJ1998PTC014959

Company & Directors' Information:- UNITED CORPORATION LIMITED [Liquidated] CIN = U99999TN1942PLC003159

Company & Directors' Information:- NIRMALA CORPORATION [Dissolved] CIN = U99999MH1948PLC006174

    Civil Appeal Nos. 1999-2000 of 2020 (Arising out of Special Leave Petition (C) Nos. 14739-14740 of 2018)

    Decided On, 04 March 2020

    At, Supreme Court of India

    By, THE HONOURABLE MR. JUSTICE NAVIN SINHA & THE HONOURABLE MR. JUSTICE KRISHNA MURARI

    For the Appellants: Jasmeet Singh, Rusheet Saluja, Saif Ali, Satyendra Mani Tripathi, Pushpendra Singh Bhadoriya, Naman Joshi, Shagun Singh, Advocates. For the Respondents: Suman Bagga, Manjeet Chawla, Advocates.



Judgment Text


Krishna Murari, J.

1. Leave granted.

2. The Appellant/Complainant, Nirmala Kothari's husband, Vinod Ray Kothari was owner of a Hyundai Elantra vehicle, registration no. RJ36CA 0111, which was insured with the Insurance Company for a sum of Rs. 5,00,000/- .

3. The said vehicle met with an accident with a tractor bearing no. HR38K 3216, on 06.06.2010 as a result of which the Appellant's husband, Vinod Ray Kothari, who was the owner of the car, and his daughter died and the vehicle was damaged. The driver of the vehicle, Dharmendra Singh Chauhan got an FIR registered with the police. The Respondent/ Insurance Company, on intimation having been given to them, appointed a spot surveyor, and also a regular surveyor to carry out survey in the matter, but the claim was rejected by them vide their letter dated 28.03.2011. The Respondent/ Insurance Company stated in the repudiation letter that the driver Dharmendra Singh Chauhan did not have a proper driving licence at the time of the accident. The licence produced by him, alleged to have been procured from the office of the licencing authority, Sheikh Sarai, Delhi could not be verified, as the concerned officer of the transport department returned their letter with the endorsement that the record pertaining to the said licence was not available. Alleging deficiency on the part of the Respondent/ Insurance Company, the complainant filed a consumer complaint, seeking directions to the Respondent/Insurance Company to pay the Insured declared value (IDV) i.e. a sum of Rs. 5,00,000/- alongwith interest @ 9% per annum from the date of filing the complaint till payment and also to pay a sum of Rs. 50,000/- as compensation for mental agony and Rs. 11,000/- as litigation cost. The District Forum vide their order dated 30.05.2012, allowed the said consumer complaint and directed payment of an amount of Rs. 3,57,500/- to the complainant, as assessed by the surveyor alongwith interest @ 9% p.a. and cost of litigation of Rs. 2,500/-. Being aggrieved against the said order of the District Forum, the Respondent/ Insurance Company challenged the same by way of appeal before the State Commission, but the said appeal having been dismissed vide impugned order dated 18.09.2015, the Respondent/ Insurance Company came before National Commission by way of the Revision Petition No. 2835/2015.

4. The complaint no. 227/2012 had been filed by the same complainant Nirmala Kothari, against the Respondent/ Insurance Company, requesting for compensation of Rs. 2,00,000/- as accident claim with interest @ 9% per annum and compensation of Rs. 20,000/- for mental agony and Rs. 11,000/- for cost of litigation. The Respondent/ Insurance Company repudiated the said claim also vide their letter dated 14.02.2012 on the same ground that Dharmendra Singh Chauhan, the driver of the vehicle did not possess a valid and effective driving licence at the time of the accident in question.

5. The consumer complaint no. 227/2012 was also allowed by the District Forum, vide order dated 28.02.2013 and the Respondent/Insurance Company was directed to pay an amount of Rs. 2,00,000/- for personal accident claim along with interest @ 9% per annum from the date of filing the complaint and the cost of litigation of Rs. 2,500/-. Being aggrieved against the said order of the District Forum, the Respondent/ Insurance Company challenged the same by way of appeal no. 366/2013 before the State Commission. The said appeal having been dismissed vide impugned order dated 01.08.2016, the Respondent/ Insurance Company came before the National Commission by way of the Revision Petition No. 3053/2016. The National Commission absolved the Respondent/ Insurance Comapany of its liability since no record of the licence of the Driver was found with the licencing authority. Thus, aggrieved the Appellant/Complainant has come up in appeal.

6. It is the case of the Respondent/ Insurance Company that in the absence of a valid and effective driving licence with the driver, there was fundamental breach of the terms and conditions of the insurance policy in question and hence, the claim made by the Appellant/ Complainant was not payable. Whereas, it is argued by the Appellant/ Complainant that at the time of employing the driver, the documents like driving licence etc. are generally checked but no one usually verifies the genuineness of the same.

7. Breach of conditions under section 149(2)(a) of the Motor Vehicles Act, 1988 absolves the insurer of its liability to the insured. Section 149(2)(a)(ii) deals with the conditions regarding driving licence. In case the vehicle at the time of accident is driven by a person who is not duly licenced or by a person who has been disqualified from holding or obtaining a driving licence during the period of disqualification, the insurer is not liable for compensation. In the instant case it is a matter of fact that no record of the licence bearing no. P03041288753070 was found with the licensing authority.

8. Having set forth the facts of the present case, the question of law that arises for consideration is what is the extent of care/diligence expected of the employer/insured while employing a driver? To answer this question, we shall advert to the legal position regarding the liability of the Insurance Company when the driver of the offending vehicle possessed an invalid/fake driving licence. In the case of United India Insurance Co. Ltd. v. Lehru & Ors. (2003) 3 SCC 338 : 2003 SCC (Cri) 641 a two Judge Bench of this court has taken the view that the Insurance Company cannot be permitted to avoid its liability on the ground that the person driving the vehicle at the time of the accident was not duly licenced. It was further held that the willful breach of the conditions of the policy should be established. The law with this respect has been discussed in detail in the case of Pepsu RTC v. National Insurance Co. (2013) 10 SCC 217 We may extract the relevant paragraph from the Judgment: (Pepsu case, SCC pp. 223-24, para10)

"In a claim for compensation, it is certainly open to the insurer under Section 149(2)(a)(ii) to take a defence that the driver of the vehicle involved in the accident was not duly licensed. Once such a defence is taken, the onus is on the insurer. But even after it is proved that the licence possessed by the driver was a fake one, whether there is liability on the insurer is the moot question. As far as the owner of the vehicle is concerned, when he hires a driver, he has to check whether the driver has a valid driving licence. Thereafter he has to satisfy himself as to the competence of the driver. If satisfied in that regard also, it can be said that the owner had taken reasonable care in employing a person who is qualified and competent to drive the vehicle. The owner cannot be expected to go beyond that, to the extent of verifying the genuineness of the driving licence with the licensing authority before hiring the services of the driver. However, the situation would be different if at the time of insurance of the vehicle or thereafter the insurance company requires the owner of the vehicle to have the licence duly verified from the licensing authority or if the attention of the owner of the vehicle is otherwise invited to the allegation that the licence issued to the driver employed by him is a fake one and yet the owner does not take appropriate action for verification of the matter regarding the genuineness of the licence from the licensing authority. That is what is explained in Swaran Singh's case (supra). If despite such information with the owner that the licence possessed by his driver is fake, no action is taken by the insured for appropriate verification, then the insured will be at fault and, in such circumstances, the insurance company is not liable for the compensation."

9. While the insurer can certainly take the defence that the licence of the driver of the car at the time of accident was invalid/fake however the onus of proving that the insured did not take adequate care and caution to verify the genuineness of the licence or was guilty of willful breach of the conditions of the insurance policy or the contract of insurance lies on the insurer.

10. The view taken by the National Commission that the law as settled in the Pepsu case (Supra) is not applicable in the present matter as it related to third-party claim is erroneous. It has been categorically held in the case of National Insurance Co. Ltd. v. Swaran Singh & Ors. (2004) 3 SCC 297 : 2004 SCC (Cri) 733 (SCC pp.341, para 110) that,

"110. (iii)..Mere absence, fake or invalid driving licence or disqualification of the driver for driving at the relevant time, are not in themselves defences available to the insurer against either the insured or the third parties. To avoid its liability towards the insured, the insurer has to prove that the insured was guilty of negligence and failed to exercise reasonable care in the matter of fulfilling the condition of the policy regarding use of vehicles by a duly licenced driver or one who was not disqualified to drive at the relevant time."

11. While hiring a driver the employer is expected to verify if the driver has a driving licence. If the driver produces a licence which on the face of it looks genuine, the employer is not expected to further investigate into the authenticity of the licence unless there is cause to believe otherwise. If the employer finds the driver to be competent to drive the vehicle and has satisfied himself that the driver has a driving licence there would be no breach of Section 149(2)(a)(ii) and the Insurance Company would be liable under the policy. It would be unreasonable to place such a high onus on the insured to make enquiries with RTOs all over the country to ascertain the veracity of the driving licence. However, if the Insurance Company is able to prove that the owner/insu

Please Login To View The Full Judgment!

red was aware or had notice that the licence was fake or invalid and still permitted the person to drive, the insurance company would no longer continue to be liable. 12. On facts, in the instant case, the Appellant/Complainant had employed the Driver, Dharmendra Singh as driver after checking his driving licence. The driving licence was purported to have been issued by the licencing authority, Sheikh Sarai, Delhi, however, the same could not be verified as the concerned officer of the licencing authority deposed that the record of the licence was not available with them. It is not the contention of the Respondent/ Insurance Company that the Appellant/complainant is guilty of willful negligence while employing the driver. The driver had been driving competently and there was no reason for the Appellant/Complainant to doubt the veracity of the driver's licence. In view of above facts and circumstances, the impugned judgment is not liable to be sustained and is hereby set aside. The appeals accordingly stand allowed. The respondent/Insurance Company is held liable to indemnify the appellant.
O R







Judgements of Similar Parties

06-10-2020 United India Insurance Co. Ltd., Rasipuram & Others Versus Arukkani & Others High Court of Judicature at Madras
06-10-2020 United India Insurance Company Limited, Udumalpet Versus N. Thangavel, & Others High Court of Judicature at Madras
01-10-2020 The Divisional Manager, United India Insurance Co. Ltd., Vellore Versus M. Suresh & Another High Court of Judicature at Madras
01-10-2020 The Oriental Insurance Company Limited, Kumbakonam, Represented by its Branch manager, Kumbakonam Versus Nirmala & Another High Court of Judicature at Madras
28-09-2020 M/s. Shankar Jewels & Others Versus United India Insurance Co. Ltd., Rajasthan & Others National Consumer Disputes Redressal Commission NCDRC
25-09-2020 United India Insurance Co. Ltd., Kumbakonam Versus Natarajan & Others High Court of Judicature at Madras
23-09-2020 Manager, United India Insurance Company Limited, Namakkal Versus Shanmugam & Others High Court of Judicature at Madras
23-09-2020 Shriram General Insurance Co. Ltd., Rajasthan Versus Nirmala Devi & Another National Consumer Disputes Redressal Commission NCDRC
22-09-2020 Elite International Pvt. Ltd., Mumbai Versus United India Insurance Co. Ltd., Chennai & Another National Consumer Disputes Redressal Commission NCDRC
22-09-2020 Bhilai Engineering Corporation Ltd., Through Madhavdas K., Authorised Signatory Bec Nandinin Road Industrial Area, Chhattisgarh Versus United India Insurance Company Ltd. Through Senior Divisional Manager, Chhattisgarh National Consumer Disputes Redressal Commission NCDRC
15-09-2020 United India Insurance Company Ltd., Through The Regional Manager, New Delhi Versus Dinesh Vijay National Consumer Disputes Redressal Commission NCDRC
14-09-2020 United India Insurance Company Ltd., Represented by its Branch Manager, Vellore Versus Krishnaveni & Others High Court of Judicature at Madras
10-09-2020 United India Insurance Company Ltd., Rajasthan Versus M/s. Radhika Oil Industries, Rajasthan National Consumer Disputes Redressal Commission NCDRC
09-09-2020 Pyar Singh Versus Manager, United India Insurance Co. Ltd., Rajasthan & Another National Consumer Disputes Redressal Commission NCDRC
08-09-2020 The United India Insurance Co. Ltd., Chidambaram Versus Emili & Others High Court of Judicature at Madras
07-09-2020 United India Insurance Co. Ltd., Through its Divisional Manager, Osmanpura, Aurangabad Versus Chandrakala & Others In the High Court of Bombay at Aurangabad
03-09-2020 M/s.United India Insurance Company Ltd., Namakkal. Versus Allimuthu @ Sengodan & Another High Court of Judicature at Madras
01-09-2020 M/s. United India Insurance Co. Ltd., Rep. By its Divisional Manager, Arani Versus Raja & Others High Court of Judicature at Madras
27-08-2020 Master Vinay Bharadwaj, Rep. by his Father & Natural Guardian D.R. Shivakumar Versus M/s. United India Insurance Company Limited, Bangalore & Another High Court of Karnataka
25-08-2020 United India Insurance Co. Ltd., Chennai Versus Maragatham & Others High Court of Judicature at Madras
24-08-2020 United Conveyor Corporation (India) Private Limited Versus Pravash Kumar Mukherjee High Court of Judicature at Calcutta
24-08-2020 United India Insurance Co. Ltd., New Delhi Versus Singhla Engineers & Contractors Pvt. Ltd. & Another National Consumer Disputes Redressal Commission NCDRC
21-08-2020 United India Insurance Company Limited Versus Narinder Kour & Others High Court of Jammu and Kashmir
14-08-2020 United India Insurance Company Limited, District Raipur & Another Versus Rahi Solanki & Others High Court of Chhattisgarh
06-08-2020 M/s. Perfectpac Ltd., Haryana Versus United India Insurance Company Limited (Through Its Divisional Manager/Branch Manager/ Authrised Signatory) & Others National Consumer Disputes Redressal Commission NCDRC
05-08-2020 The United India Insurance Co. Ltd., Maharasthra State, Represented By Its Deputy Manager, Regional Office, Ernakulam Versus Rijawana Jamshed Mulla & Others High Court of Kerala
04-08-2020 M/s. United India Insurance Co. Ltd., Coimbatore Versus Murugammal & Others High Court of Judicature at Madras
31-07-2020 United India Insurance Co., Ltd., Chennai & Another Versus Suseela Jothi Mary Chennai & Another High Court of Judicature at Madras
31-07-2020 United India Insurance Co., Ltd., Chennai & Another Versus Suseela Jothi Mary Chennai & Another High Court of Judicature at Madras
23-07-2020 The Divisional Manager, M/s. United India Insurance Company Limited, Vellore Versus M. Amavasai & Another High Court of Judicature at Madras
07-07-2020 The Chairman & Managing Director, United India Insurance Co. Ltd., Chennai Versus Rajini & Another High Court of Judicature at Madras
30-06-2020 Bilsy Joseph, now residing at 3743, Falkner Drive, United States of America, Represented by her Power of Attorney holder (Mother), Rosamma Joseph, Kottayam Versus Registrar of Births & Deaths, Changanassery Muncipality, Kottayam & Others High Court of Kerala
30-06-2020 M/s. United India Insurance Company Limited Versus Md. Khayyumkhan & Others High Court of for the State of Telangana
25-06-2020 United India Insurance Co. Ltd. Versus Amar Singh Raghuwanshi 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
12-06-2020 M.H. Uma Maheshwari & Others Versus United India Insurance Co. Ltd. & Another Supreme Court of India
04-06-2020 M/s. United India Insurance Company Limited, Chennai Versus N. Prathap & Another High Court of Judicature at Madras
03-06-2020 PUEBLO HOLDINGS LIMITED, Rep. by its authorised signatory Siddhesh Sham Kshirsagar Versus EMIRATES TRADING AGENCY LLC, A company incorporated under the appropriate laws of the United Arab Emirates having its registered office and/or business address at ETA Star House, United Arab Emirates & Others High Court of Judicature at Madras
19-05-2020 United India Insurance Co. Ltd., Pune Regional Office, through its Divisional Office & Others Versus Shriniwas Ramayya Kamtam & Others High Court of Judicature at Bombay
05-05-2020 Rahul Kothari Vesus Union of India High Court of Judicature at Allahabad
30-04-2020 United Nurses Association, Through Its State President Shoby Joseph, Thrissur Versus Union Of India, Represented By The Secretary, New Delhi & Another High Court of Kerala
15-04-2020 United Nurses Association Through Its President Versus Union of India & Others Supreme Court of India
18-03-2020 United India Insurance Company Limited Versus Mora Devi High Court of Rajasthan Jodhpur Bench
18-03-2020 Dr. Nirmala Devi, Obstetrician & Gynecologist, Assitant Professor Versus Chandrakanta National Consumer Disputes Redressal Commission NCDRC
12-03-2020 United India Insurance Co. Ltd., Tiruppur Versus Kaveriammal & Others High Court of Judicature at Madras
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
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
05-03-2020 United India Insurance Co. Ltd., Chennai Versus B. Sudha & Others High Court of Judicature at Madras
03-03-2020 United Bank of India, West Bengal Versus Ranjan Basu & Others National Consumer Disputes Redressal Commission NCDRC
03-03-2020 United India Insurance Company Limited Versus Yechuri Nirmala & Others High Court of for the State of Telangana
03-03-2020 In The Matter of:D & I Taxcon Services Private Limited Versus Vinod Kumar Kothari, Liquidator of Nicco Corporation Limited National Company Law Appellate Tribunal
02-03-2020 Geetha & Others Versus United India Insurance Company Limited, Neyveli High Court of Judicature at Madras
28-02-2020 Minor Sukhen Biswas (Son) & Others Versus Nirmala Biswas & Others High Court of Judicature at Calcutta
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 United India Insurance Co. Ltd. Motor TP Claims Hub, Represented by its Manager Versus T. Thimmanna & Others High Court of Karnataka
18-02-2020 Divisional Manager, United India Insurance Co. Ltd., Vellore V/S Rani & Another High Court of Judicature at Madras
17-02-2020 Ashok Chand Kothari Versus Alpna & Another High Court of Madhya Pradesh
14-02-2020 M/s. Baspa Organics Limited V/S United India Insurance Company Limited Supreme Court of India
12-02-2020 The United Goans Foundation, through its Secretary Avinash Tavares Versus The State of Goa through its Chief Secretary, Secretariat & Others In the High Court of Bombay at Goa
12-02-2020 Chetan Kothari Versus The Principal Commissioner of Income Tax, Pondicherry, Income Tax Department, D.P.Thottam, Pondicherry & Others High Court of Judicature at Madras
10-02-2020 United India Insurance Co. Ltd. & Another Versus C. Meenakshi & Others High Court of Judicature at Madras
10-02-2020 United Bank of India V/S Ashok Kumar Kalra and Others. Debts Recovery Tribunal Delhi
06-02-2020 Rakesh Chandra Savita Versus United India Insurance Company Limited, Through Divisional Manager & Another Madya Pradesh State Consumer Disputes Redressal Commission Bhopal
06-02-2020 M/s. United India Insurance Co. Ltd., Basheerbagh, Hyderabad Versus Syed Rehmath Ali & Others High Court of for the State of Telangana
06-02-2020 Canara Bank Versus M/s. United India Insurance Co. Ltd. & Others Supreme Court of India
05-02-2020 United India Insurance Company Ltd. Versus Md Nur Mohamed High Court of Gauhati
03-02-2020 Rajesh Narula Versus United India Insurance Co. Ltd. Through Branch Manager Madya Pradesh State Consumer Disputes Redressal Commission Bhopal
31-01-2020 The Divisional Manager, United India Insurance Company Limited, Cuddalore Versus Purushothaman (died) & Others High Court of Judicature at Madras
31-01-2020 The Manager, United India Insurance Company Ltd., Chennai Versus C. Kavitha & Others High Court of Judicature at Madras
31-01-2020 B. Alphonse Legori Versus CPIO /Manager United India Insurance Company Ltd. Central Information Commission
31-01-2020 The Divisional Manager, United India Insurance Co. Ltd, Madurai. Versus Muthammal & Others High Court of Judicature at Madras
31-01-2020 Shyam Manohar Harit Versus CPIO United India Insurance Company Ltd. Central Information Commission
30-01-2020 The Divisional Manager, United India Insurance Co. Ltd., Hosur & Another Versus Vediyappan & Others High Court of Judicature at Madras
28-01-2020 United India Insurance Co. Ltd. Rep. by its Deputy General Manager Versus D. Sunderarajan High Court of Judicature at Madras
27-01-2020 United Mine Workers Union Through Shri Puti Gaonkar General Secretary Versus Union of India, Through Secretary, (Ministry of Labour and Employment) & Another In the High Court of Bombay at Goa
25-01-2020 United India Insurance Company Limited Versus Bhilai Engineering Corporation Ltd. Chhatisgarh State Consumer Disputes Redressal Commission Raipur
23-01-2020 Prashant Versus United India Insurance Co. Ltd. Through Its Assistant Manager Authorised Signatory, Maharashtra National Consumer Disputes Redressal Commission NCDRC
23-01-2020 Mukesh Parikh & Another Versus United India Insurance Co. Ltd., Tamil Nadu National Consumer Disputes Redressal Commission NCDRC
23-01-2020 Prashant Versus United India Insurance Co. Ltd., Maharashtra National Consumer Disputes Redressal Commission NCDRC
23-01-2020 United India Insurance Co. Ltd., Gujarat Versus Mukesh Parikh & Another National Consumer Disputes Redressal Commission NCDRC
23-01-2020 United India Insurance Co. Ltd., Gujarat Versus Mukesh Parikh Another National Consumer Disputes Redressal Commission NCDRC
22-01-2020 M/s United India Insurance Company Limited, Tadepallygudem Versus V. Narahari Sharma & Another High Court of for the State of Telangana
21-01-2020 M/s. BCPL Railway Infrastructure Ltd. Versus The Manager, United India Insurance Co. Ltd. West Bengal State Consumer Disputes Redressal Commission Kolkata
20-01-2020 Padam Chand Kothari, Proprietor M/s. Paras Padam Kothari Versus Shriram Transport Finance Co. Ltd., Chennai & Another High Court of Judicature at Madras
20-01-2020 Shri Gas Service Versus United India Insurance Co. & Others National Consumer Disputes Redressal Commission NCDRC
18-01-2020 Amrita Sarkar (Ghosh) & Another Versus United Bank of India & Another Tripura State Consumer Disputes Redressal Commission Agartala
17-01-2020 Sangrur Sales Corporation Versus United India Insurance Company Limited & Another Supreme Court of India
16-01-2020 Nirmala Sirsam Versus State of Madhya Pradesh & Others High Court of Madhya Pradesh
10-01-2020 United India Insurance Co. Ltd., New Delhi Versus Urmila Agarwal & Others National Consumer Disputes Redressal Commission NCDRC
10-01-2020 Rajesh Kothari Versus State of Chhattisgarh Through District Magistrate, Kabirdham High Court of Chhattisgarh
09-01-2020 United India Insurance Co. Ltd. Versus Tila Kumari Giri & Others High Court of Punjab and Haryana
09-01-2020 Nirmala Gollen Versus Davender Gollen High Court of Punjab and Haryana
09-01-2020 United India Insurance Co. Ltd. Versus Shindutai Wasudeorao Thakare & Others In the High Court of Bombay at Nagpur
08-01-2020 Sunita Bhalla Versus United Inida Insurance Co Ltd. National Consumer Disputes Redressal Commission NCDRC
08-01-2020 United India Insurance Co. Ltd. Versus Reshma & Others High Court of Delhi
08-01-2020 J. Nirmala Devi & Others Versus The Hindustan Petroleum Corporation Limited, Vijayawada-Dharmapuri Pipeline project, Rep., by its General Manager, Mumbai & Others High Court of Andhra Pradesh
07-01-2020 The Branch Manager, United India Insurance Company Limited, Ramanathapuram Versus T. Saravanan & Another Before the Madurai Bench of Madras High Court
07-01-2020 United India Insurance Co Ltd. Versus Sandeep Kumar Bubna Maharashtra State Consumer Disputes Redressal Commission Mumbai
07-01-2020 United Indian Insurance Company Limited, Through its Branch Manager Versus Ujwala Salgonkar & Others In the High Court of Bombay at Goa