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Mint
16-07-2025
- Business
- Mint
Man wins legal fight over car theft after 22 years: Consumer Court directs National Insurance to pay ₹1.4 lakh
The Ghaziabad District Consumer Disputes Redressal Commission has instructed the vehicle insurer, National Insurance Company, to pay ₹ 1.4 lakh to Puneet Agarwal, whose Alto car was stolen more than 20 years ago, according to a report by The Economic Times. In addition to the fine, the commission ordered a penalty of ₹ 5,000 for mental agony and litigation costs. Agrawal bought an Alto car on March 10, 2003, and financed it through a car loan from ICICI Bank in Jhandewalan, Delhi. He also insured the vehicle for ₹ 1.9 lakh on the same day. However, on April 6, less than a month later, his car was stolen from Har Ki Pauri in Haridwar during a vacation with his family. Agrawal quickly filed an FIR and informed the insurer and bank about the theft, anticipating a smooth insurance claim process. He submitted all necessary documents to the insurer by January 2004, the report said. His claim was rejected by the National Insurance Company stating that Agrawal did not take proper care of his car and had parked it unsafely. Agrawal wrote to the National Insurance Company on four occasions, including May 2, 2005, July 24, 2005, July 17, 2006, and April 18, 2006. However, he did not receive any payment or response in return. He subsequently appealed to the Ghaziabad District Consumer Disputes Redressal Commission (DCDRC). The commission initially dismissed his petition, citing a lack of jurisdiction to decide on this matter. Following the dismissal by the Ghaziabad DCDRC, Agrawal in 2011 appealed to the State Consumer Disputes Redressal Commission (SCDRC) in Lucknow, Uttar Pradesh. In February 2025, more than a decade later, the SCDRC determined that the Ghaziabad DCDRC is the correct authority to issue a ruling on this issue. In July 2025, the Ghaziabad DCDRC issued a ruling in favour of Agrawal.
Mint
16-07-2025
- Business
- Mint
Man wins legal fight over car theft after 22 years: Consumer Court directs National Insurance to pay ₹1.4 lakh
The Ghaziabad District Consumer Disputes Redressal Commission has instructed the vehicle insurer, National Insurance Company, to pay ₹ 1.4 lakh to Puneet Agarwal, whose Alto car was stolen more than 20 years ago, according to a report by The Economic Times. In addition to the fine, the commission ordered a penalty of ₹ 5,000 for mental agony and litigation costs. Agrawal bought an Alto car on March 10, 2003, and financed it through a car loan from ICICI Bank in Jhandewalan, Delhi. He also insured the vehicle for ₹ 1.9 lakh on the same day. However, on April 6, less than a month later, his car was stolen from Har Ki Pauri in Haridwar during a vacation with his family. Agrawal quickly filed an FIR and informed the insurer and bank about the theft, anticipating a smooth insurance claim process. He submitted all necessary documents to the insurer by January 2004, the report said. His claim was rejected by the National Insurance Company stating that Agrawal did not take proper care of his car and had parked it unsafely. Agrawal wrote to the National Insurance Company on four occasions, including May 2, 2005, July 24, 2005, July 17, 2006, and April 18, 2006. However, he did not receive any payment or response in return. He subsequently appealed to the Ghaziabad District Consumer Disputes Redressal Commission (DCDRC). The commission initially dismissed his petition, citing a lack of jurisdiction to decide on this matter. Following the dismissal by the Ghaziabad DCDRC, Agrawal in 2011 appealed to the State Consumer Disputes Redressal Commission (SCDRC) in Lucknow, Uttar Pradesh. In February 2025, more than a decade later, the SCDRC determined that the Ghaziabad DCDRC is the correct authority to issue a ruling on this issue. In July 2025, the Ghaziabad DCDRC issued a ruling in favour of Agrawal. The Ghaziabad DCDRC ordered a payment of ₹ 1.43 lakh to Agarwal, plus ₹ 5,000 fine. This sum represented 75 per cent of the vehicle's 2003 insured declared value (IDV) of ₹ 1.9 lakh. The ruling also stated that if the National Insurance Company did not pay this amount within 45 days, a simple interest penalty of 6 per cent per year would be applied until the compensation was fully paid.
Time of India
15-07-2025
- Time of India
Ghaziabad man gets insured amount for car stolen 22 years ago
Ghaziabad: Two decades after his brand-new car was stolen during a family trip, a Ghaziabad resident is finally on track to receive compensation, though partially, from his insurer. The District Consumer Disputes Redressal Commission has asked Delhi-based National Insurance Company to pay Puneet Agrawal, whose car was stolen in Haridwar in April 2003, Rs 1.4 lakh, nearly 75% of the insured value, along with Rs 5,000 for litigation costs and the mental agony he endured. Agrawal had purchased the car on March 10, 2003, through ICICI Bank's Jhandewalan branch in Delhi and insured it the same day for Rs 1.9 lakh. Less than a month later, on April 6, the car was stolen from Har Ki Pauri in Haridwar during a family vacation. You Can Also Check: Noida AQI | Weather in Noida | Bank Holidays in Noida | Public Holidays in Noida Agrawal lodged an FIR, notified the insurance company, and informed the bank. By early 2004, he had submitted all required documents, including a final closure report from Haridwar police and an order from the chief judicial magistrate confirming the theft. But instead of the timely settlement he expected, Agrawal faced a prolonged legal battle. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like 첫 기부의 설레임을 담은 반지 굿네이버스 더 알아보기 Undo When the insurance company rejected his claim, arguing he had failed to secure the vehicle properly, Agrawal took the matter to the Ghaziabad DCDRC. However, the commission initially dismissed the case on jurisdictional grounds, prompting him to file an appeal with the State Consumer Disputes Redressal Commission (SCDRC) in Lucknow in 2011. The SCDRC ruled earlier this year—on Feb 3, 2025—that the Ghaziabad DCDRC was the appropriate forum to hear the case. In its final ruling on July 9, the DCDRC bench, comprising president Praveen Kumar Jain and members RP Singh and Shailja Sachan, ruled in favour of Agrawal. The insurance company had argued that Agrawal had failed to take "adequate precautions" to protect his car and therefore his claim was not valid. But the commission cited the 2008 Supreme Court judgment in National Insurance Company Ltd vs Nitin Khandelwal case, which established that even in such cases, claims must be settled on a "non-standard" basis. Rejecting the insurer's blanket denial as a deficiency in service under the Consumer Protection Act, the commission directed the company to pay 75% of the insured amount, or Rs 1.4 lakh. The commission also clarified that the financing bank would have the first claim on the money if any loan amount was still outstanding, with the remainder to be disbursed to Agrawal. "It has taken 22 years and numerous legal hurdles, but I'm finally seeing closure," Agrawal told reporters.
