MURDER AN ACCIDENTAL DEATH, SAYS COURT, ASKS INSURER TO PAY 15 LAKH
A consumer court has ordered the Life Insurance Cooperation to pay Rs 14.6 lakh for 19 different policies with accidental death benefits by considering the insured person’s murder an accidental death.
Narendra Singh Parmar was shot dead by unidentified assailants in 2009. Police filed an FIR but later closed the case as they were unable to determine why Parmar had been killed and by whom. Parmar’s widow Chetna claimed the payouts for 19 different insurance policies with accidental death benefits that Parmar had. In 2012, Chetna approached the Consumer Dispute Redressal Forum Ahmedabad (Additional) but forum rejected her complaint.
The dispute then reached the Gujarat State Consumer Dispute Redressal Commission which ordered the insurer to pay the claims, holding that Parmar was not a party to the murder, was not instrumental in provocation, and the immediate cause of action was not a result of deliberate act by the insured.
The commission also said that the victim had not played an active role in the incident, nor did his activities lead to the crime. It said that the victim had no idea or expectation of such an unwarranted event.
Post written by Kashish Daga.
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