Supreme Court of India Judgements

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Category: Consumer

Consumer

Consumer Protection Act, 1986 – Section 2(g) – Mediclaim policy – Deficiency in service – Failure to disclose changes in policy conditions at time of renewal of the policy – Insurer was clearly under a duty to inform the policy holders about the limitations which it was imposing in the policy renewed – Its failure to inform the policy holders resulted in deficiency of service.

Dec 12, 2021 sclaw

SUPREME COURT OF INDIA SINGLE BENCH JACOB PUNNEN AND ANOTHER — Appellant Vs. UNITED INDIA INSURANCE CO. LIMITED — Respondent ( Before : S. Ravindrabhat, J. ) Civil Appeal No.…

Consumer

Consumer Protection Act, 2019 – Section 51 – Appeal to National Commission – Pre-deposit of 50 per cent of amount as ordered by the State Commission under second proviso to Section 51 of the Consumer Protection Act, 2019 is mandatory for entertainment of an appeal by the National Commission

Dec 11, 2021 sclaw

SUPREME COURT OF INDIA DIVISION BENCH MANOHAR INFRASTRUCTURE AND CONSTRUCTIONS PRIVATE LIMITED — Appellant Vs. SANJEEV KUMAR SHARMA AND OTHERS — Respondent ( Before : M.R. Shah and B.V. Nagarathna,…

Consumer

IMP : Object of seeking a mediclaim policy is to seek indemnification in respect of a sudden illness or sickness which is not expected or imminent and which may occur overseas – If the insured suffers a sudden sickness or ailment which is not expressly excluded under the policy, a duty is cast on the insurer to indemnify the appellant for the expenses incurred thereunder – Repudiation of the policy by the insurance company was illegal and not in accordance with law – Consequently, the appellant is entitled to be indemnified under the policy.

Dec 11, 2021 sclaw

SUPREME COURT OF INDIA DIVISION BENCH MANMOHAN NANDA — Appellant Vs. UNITED INDIA ASSURANCE CO. LIMITED AND ANOTHER — Respondent ( Before : Dr. Dhananjaya Y. Chandrachud and B.V. Nagarathna,…

Consumer

Issue regarding prospective operation of the Judgment in the case of New India Assurance Company Limited vs. Hilli Multipurpose Cold Storage Pvt. Ltd., (2020) 5 SCC 757, Constitution Bench Held, District Forum has no power to extend the time for filing the response to the complaint beyond the period of 15 days in addition to 30 days as is envisaged under Section 13 of the Consumer Protection Act – Case refers to Larger Bench:

Dec 11, 2021 sclaw

SUPREME COURT OF INDIA DIVISION BENCH BHASIN INFOTECH AND INFRASTRUCTURE PRIVATE LIMITED — Appellant Vs. NEEMA AGARWAL AND OTHERS — Respondent ( Before : Vineet Saran and Aniruddha Bose, JJ.…

Consumer

Medical negligence – If the operation theatres were occupied at the time when the operation of the patient was contemplated, it cannot be said that there is a negligence on the part of the Hospital – A team of specialist doctors was available and also have attended to the patient but unfortunately nature had the last word and the patient breathed his last -No doctor can assure life to his patient but can only attempt to treat his patient to the best of his ability which was being done in the present case as well – Findings recorded by the Commission holding the Hospital and the Doctor guilty of medical negligence are not sustainable in law.

Dec 5, 2021 sclaw

SUPREME COURT OF INDIA DIVISION BENCH BOMBAY HOSPITAL & MEDICAL RESEARCH CENTRE — Appellant Vs. ASHA JAISWAL AND OTHERS — Respondent ( Before : Hemant Gupta and V. Ramasubramanian, JJ.…

Consumer

Consumer Protection Act, 1986 – Repudiation of claim – When the appellant was aware of the earlier insurance policy obtained from IFFCO-TOKIO by the respondent, there was no reason for not asking for such hydrology data of the previous year – As such, it cannot be said that there was non-disclosure of hydrology data or any fraud from the side of the respondent, as is projected by the appellant so as to repudiate the claim – There was no non-disclosure or fraud, as pleaded by the appellant to repudiate the claim – Appeal dismissed.

Nov 17, 2021 sclaw

SUPREME COURT OF INDIA DIVISION BENCH THE ORIENTAL INSURANCE CO. LIMITED — Appellant Vs. MALANA POWER COMPANY LIMITED — Respondent ( Before : R. Subhash Reddy and Hrishikesh Roy, JJ.…

Consumer

Insurance policy – Husband of the complainant had taken the life insurance policy on 14.04.2011, that the next premium had fallen due on 14.10.2011 but was not paid by him, that the husband of the complainant met with an accident on 06.03.2012, that thereafter the premium was paid on 09.03.2012 and that he expired on 21.03.2012. It is also not disputed that at the time of making payment of premium on 09.03.2012, it was not disclosed by the complainant or her husband to the appellant-Corporation about the accident which had taken placed on 06.03.2012 – HELD the Accident benefit claim of the complainant was liable to be rejected.

Nov 4, 2021 sclaw

SUPREME COURT OF INDIA DIVISION BENCH LIFE INSURANCE CORPORATION OF INDIA AND ANOTHER — Appellant Vs. SUNITA — Respondent ( Before : Sanjiv Khanna and Bela M. Trivedi, JJ. )…

Consumer

Deficiency in service – In the absence of any proof of negligence on the part of the appellant at the time of loading of the consignment, the appellant cannot be held responsible if at the port of destination, the products specifications were not the same as certified by the appellant at the time of loading of consignment – In the absence of any clause in the contract to ensure that the goods consigned has to meet the products specifications at the time of loading of consignment, the appellant cannot be held liable for change in specifications of the agricultural produce at the destination port – Appeal allowed.

Oct 10, 2021 sclaw

SUPREME COURT OF INDIA DIVISION BENCH SGS INDIA LIMITED — Appellant Vs. DOLPHIN INTERNATIONAL LIMITED — Respondent ( Before : Hemant Gupta and V. Ramasubramanian, JJ. ) Civil Appeal No.…

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I P C

Penal Code, 1860 (IPC) – Sections 376(2)(g) and 506(1) – Tamil Nadu Prevention of Women Harassment Act, 1998 – Section 4 – Gang Rape – The victim’s testimony, along with her mother and aunt’s statements, was consistent with the initial complaint and corroborated by medical evidence – The defense argued that the long gap between the victim’s examination-in-chief and cross-examination led to inconsistencies in the witnesses’ testimonies – Whether the long gap between the victim’s examination-in-chief and cross-examination led to inconsistencies in the witnesses’ testimonies – The inconsistencies in the witnesses’ testimonies were not significant and did not affect the overall credibility of the evidence – The court dismissed the appeal and upheld the conviction of the appellant for gang rape and related charges – The court rejected the defense’s argument that the long gap between the victim’s examination-in-chief and cross-examination led to inconsistencies in the witnesses’ testimonies – The court found that the evidence presented was sufficient to convict the appellant for gang rape and related charges – The Supreme Court found that the evidence presented was sufficient to convict the appellant and rejected the defence’s arguments regarding inconsistencies in the witnesses’ testimonies.

May 12, 2024 sclaw
Limitation

Dismissal of Civil Suit – Condonation of delay – Standing to file an application – The court clarified that only parties to a suit or those who have accrued a right in the lis can file an application for condonation of delay in filing an application for restoration of the suit. A stranger to the proceedings cannot file such an application.

May 12, 2024 sclaw
Limitation

Limitation Act, 1963 – Haryana Public Moneys (Recovery of Dues) Act, 1979 – Section 3(1)(b) – State Financial Corporation Act, 1951 – Section 29 – The appeals arise from a High Court judgment regarding the recovery of time-barred debts under the Act, 1979, and the Act, 1951 – The main issue is whether a debt time-barred under the Limitation Act can be recovered using the aforementioned Acts – The appellants argued that time-barred debts cannot be recovered under the Recovery of Dues Act, citing the precedent set in V.R. Kalliyanikutty – The respondents argued that the Recovery of Dues Act and the State Financial Corporations Act allow for time-barred debt recovery, as they only bar the remedy, not the right – The court examined whether the Recovery of Dues Act creates a new right for creditors and allows for time-barred debt recovery – The court discussed the distinction between a debt and the right of action for its recovery, noting that the statute of limitation bars the latter but not the former – The court concluded that the Recovery of Dues Act and the State Financial Corporations Act provide an alternative mechanism for recovering debts, even if they are time-barred – Matter needs to be placed before the Hon’ble Chief Justice of India to constitute an appropriate three-judge bench.

May 12, 2024 sclaw
Consumer

Consumer Law – Policy Claim – The appellants, family of the deceased, filed a complaint after the LIC repudiated their claim on a policy following the policyholder’s accidental death – The main issue was whether there was a concluded contract between the deceased and LIC at the time of his death, which would obligate LIC to pay the insurance benefits – The appellants argued that LIC had accepted the first premium and issued a receipt, thereby assuming risk and concluding the contract before the policyholder’s death – LIC contended that the policy was not communicated to the deceased and was blocked due to his demise, implying no concluded contract existed – The Supreme Court set aside the NCDRC’s order, restored the District Forum’s order in favor of the appellants, and directed LIC to pay the insurance benefits as per the policy terms – The Court found clear presumption of acceptance of the policy by LIC, as the first premium receipt indicated the corporation was on risk from the receipt date – The Court relied on precedents that establish the principles of insurance contracts and the obligations of good faith expected from insurers – The Supreme Court concluded that LIC had indeed entered into a contract with the policyholder before his death, and thus, was liable to pay the insurance benefits to the appellants.

May 12, 2024 sclaw