{"id":163586,"date":"2009-08-17T00:00:00","date_gmt":"2009-08-16T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/noor-ali-vs-national-insurance-co-ltd-on-17-august-2009"},"modified":"2017-12-16T13:02:37","modified_gmt":"2017-12-16T07:32:37","slug":"noor-ali-vs-national-insurance-co-ltd-on-17-august-2009","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/noor-ali-vs-national-insurance-co-ltd-on-17-august-2009","title":{"rendered":"Noor Ali vs National Insurance Co.Ltd on 17 August, 2009"},"content":{"rendered":"<div class=\"docsource_main\">Supreme Court of India<\/div>\n<div class=\"doc_title\">Noor Ali vs National Insurance Co.Ltd on 17 August, 2009<\/div>\n<div class=\"doc_author\">Author: &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.J.<\/div>\n<div class=\"doc_bench\">Bench: B.N. Agrawal, G.S. Singhvi<\/div>\n<pre>                              IN THE SUPREME COURT OF INDIA\n\n                   CIVIL APPELLATE JURISDICTION\n\n                   CIVIL APPEAL NO.5547 OF 2009\n            (Arising out of S.L.P. (C) No.887 of 2009)\n\n\nNoor Ali                                                  ...Appellant(s)\n\n                                  Versus\n\nNational Insurance Co. Ltd.                              ...Respondent(s)<\/pre>\n<pre>                             O    R    D    E   R\n\n\n          Leave granted.\n<\/pre>\n<p>          Heard learned counsel for the parties.\n<\/p>\n<p>          The appellant is engaged in the business of motor<br \/>\nparts. He took fire insurance policy for the period from 18th<br \/>\nJuly, 2003, to 17th July, 2004 for a sum of Rupees ten lakhs.<br \/>\nOn the night intervening 3rd\/4th August, 2003, at about 11.00<br \/>\np.m., a fire incident took place in which the appellant&#8217;s<br \/>\ngoods and shops were damaged.              On receipt of intimation from<br \/>\nthe appellant, the respondent deputed a Surveyor and Loss<br \/>\nAgent, Shri K.B. Mahajan, who after assessment, submitted<br \/>\nreport dated 15th December, 2003.               Shri Mahajan assessed the<br \/>\nloss to    the   appellant   at       Rs.1,79,111\/-.     Thereafter,   the<br \/>\nInsurance Company released Rs.1,21,117\/- in favour of the<br \/>\nappellant as full and final settlement of his claim.                   The<br \/>\nappellant accepted the amount under protest. This was clearly<br \/>\nrecorded in the form of endorsement made on letter dated 17th<br \/>\nMarch, 2004 written by the Branch Manager of the respondent<br \/>\nto the Senior Manager, Bank of Baroda.\n<\/p>\n<p>                                                                   &#8230;2\/-\n<\/p>\n<p>                                        &#8211; 2 &#8211;\n<\/p>\n<p>          Feeling     aggrieved         by    the     respondent&#8217;s          refusal    to<br \/>\nreimburse the loss of Rupees eight lakhs which, according to<br \/>\nthe appellant, was suffered by him in the fire accident, he<br \/>\nfiled a complaint under Section 12 of the Consumer Protection<br \/>\nAct,     1986.      The     respondent         disputed        the    claim     of     the<br \/>\nappellant and averred that in view of the report of the<br \/>\nsurveyor, he was not entitled to anything over and above what<br \/>\nwas already paid.         The respondent also took up the plea that<br \/>\nafter having accepted the amount of Rs.1,29,117\/- in full and<br \/>\nfinal settlement of his claim, the appellant was not entitled<br \/>\nto claim higher compensation.                 The appellant produced as many<br \/>\nas     twenty    documents    which          included       report     of     the     Fire<br \/>\nOfficer, Sultanpur, the bank statement for the last three<br \/>\nyears, stock statement for the last three years along with<br \/>\ncovering letter and a list of 168 duplicate cash memos and<br \/>\nthree     balance    sheets       for        the    years      2001-2003.            After<br \/>\nconsidering the entire record, the District Consumer Disputes<br \/>\nRedressal Forum, Sultanpur, [for short, &#8220;the District Forum&#8221;]<br \/>\nawarded compensation of Rs.6,70,883\/- with interest at the<br \/>\nrate of twelve per cent per annum from the date of complaint,<br \/>\ni.e., 5th May, 2004.          Damages of Rs.10,000\/- and litigation<br \/>\nexpenses of Rs.200\/- were also awarded to the appellant with<br \/>\na stipulation that if the amount is not paid, then the rate<br \/>\nof interest shall be fifteen per cent instead of twelve per<br \/>\ncent per annum.\n<\/p>\n<p>          On an appeal preferred by the respondent, the State<br \/>\nConsumer    Disputes      Redressal          Commission      [for     short,        &#8220;State<br \/>\nCommission&#8221;],       set   aside    the        order    of   the      District       Forum.<br \/>\nWhen the matter was taken up by the appellant in revision,<br \/>\nNational         Consumer    Disputes              Redressal    Commission            [for<br \/>\nshort, &#8220;National Commission&#8221;], directed the respondent to pay<br \/>\n                                                                                    &#8230;3\/-\n<\/p>\n<p>                                 &#8211; 3 &#8211;\n<\/p>\n<p>Rs.50,000\/-     by   observing   that     the    said   amount     had   been<br \/>\ndeducted from the assessment made by the Surveyor&#8217;s report<br \/>\nwithout any justification.\n<\/p>\n<p>         From a bare perusal of the impugned orders of the<br \/>\nState Commission and the National Commission, it is clear<br \/>\nthat neither of them considered the documents produced by the<br \/>\nappellant which had been considered by the District Forum<br \/>\nwhile    awarding    compensation   of    Rs.6,70,883\/-      and    on   that<br \/>\naccount cause of the appellant has been seriously prejudiced.\n<\/p>\n<p>         Accordingly, the appeal is allowed, impugned orders<br \/>\npassed    by   the   State   Commission    as    well   as   the   National<br \/>\nCommission are set aside and the matter is remitted to the<br \/>\nState Commission to consider the appeal in accordance with<br \/>\nlaw after giving opportunity of hearing to the parties.\n<\/p>\n<p>                                                &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.J.\n<\/p>\n<p>                                                [B.N. AGRAWAL]<\/p>\n<p>                                                &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.J.\n<\/p>\n<p>                                                [G.S. SINGHVI]<br \/>\nNew Delhi,<br \/>\nAugust 17, 2009.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Supreme Court of India Noor Ali vs National Insurance Co.Ltd on 17 August, 2009 Author: &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.J. Bench: B.N. Agrawal, G.S. Singhvi IN THE SUPREME COURT OF INDIA CIVIL APPELLATE JURISDICTION CIVIL APPEAL NO.5547 OF 2009 (Arising out of S.L.P. (C) No.887 of 2009) Noor Ali &#8230;Appellant(s) Versus National Insurance Co. Ltd. &#8230;Respondent(s) O R D [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[30],"tags":[],"class_list":["post-163586","post","type-post","status-publish","format-standard","hentry","category-supreme-court-of-india"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Noor Ali vs National Insurance Co.Ltd on 17 August, 2009 - Free Judgements of Supreme Court &amp; High Court | Legal India<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legalindia.com\/judgments\/noor-ali-vs-national-insurance-co-ltd-on-17-august-2009\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Noor Ali vs National Insurance Co.Ltd on 17 August, 2009 - Free Judgements of Supreme Court &amp; 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