Insurer's Liability Not Avoided By Driver's Unlicensed Status: NCDRC

Insurer's Liability Not Avoided By Driver's Unlicensed Status: NCDRC

Case Title: United India Insurance Company Ltd. Vs. Rabi Narayan Naik

Case Number: R.P. No. 1907/2016

The National Consumer Disputes Redressal Commission, presided by Dr. Inder Jit Singh, held United India Insurance liable for deficiency in service over the denial of insurance claim citing the driver's unlicensed status. The Commission held that the insurer cannot avoid liability solely because the driver was unlicensed; the insurer must demonstrate that the driver intentionally and knowingly violated the policy conditions