No FIR, post-mortem report needed for insurance claims for injuries at home

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Ambalal, had been insured for Rs one Lakh underneath a group insurance theme of United India Insurance through the Kadi Taluka Madhyamik Shala Karmachari Dhiran Grahak Mandali Ltd, Kadi, and also the Mehsana-Patan District Cooperative Credit Societies Federation Ltd, Mehsana.

In February 2018, Ambalal had died in a hospital after a severe head injury at his residence. Once Jyotsna, the partner lately Ambalal, claimed the insurance cash and submitted all necessary papers to the corporate, the corporate rejected the claim on the bottom that neither a primary info report (FIR) nor a post-mortem examination report had been submitted.

Citing precedents, the complainants declared that once someone dies following a significant injury suffered at home, the case failed to warrant an FIR or a post-mortem report, that was conjointly supported by the report of the hospital wherever Ambalal died.

The Consumer Disputes Redressal Forum, Ahmedabad (Rural), has directed United India Insurance Company Ltd to pay Rs one lakh with nine percent interest till the date of payment to a widow for causing mental agony and harassment.

The forum command the insurer, its Ahmedabad Regional Office, and its office at Palanpur, Banaskantha district, guilty of deficiency in commision in a case filed by the Consumer Education and Research Society (CERS) and Mrs. Jyotsna Ambalal Patel.

The forum additionally directed the insurance firm to pay Rs 5,000 towards her mental agony and harassment, and Rs 1,000 towards value and another Rs 1,000 to CERS as costs, Ms. Preeti Shah, Chief General Manager, CERC, aforementioned in a statement.

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