BMW left after puncture, found burnt; insurer denied claim, commission orders Rs 70L
The Maharashtra State Consumer Disputes Redressal Commission ordered an insurance company to pay Rs 70 lakh to a car owner whose BMW was destroyed by fire after being left on a highway. The insurer had initially denied the claim, arguing the vehicle was left unattended, but the commission ruled in favor of the owner.
Why it matters
This case clarifies consumer rights regarding insurance payouts for total loss claims and sets a precedent for disputes involving unattended vehicles.
You leave your punctured car on the roadside and in the morning it is found burnt. Should the insurer give a payout? In one such case a man’s BMW developed a tyre puncture on the highway late at night. Since it was already quite late, he and his driver locked the vehicle and parked it on the roadside before travelling back in another vehicle.The following morning it was found to be completely gutted by fire. Since the vehicle was insured, the man expected the insurance policy to cover the loss. But it didn’t.What the case is aboutAccording to the complaint filed by the man, he left the BMW on the highway overnight after it suffered a puncture. However, the next morning the vehicle was found to be completely burnt.
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