OM PRAKASH vs RELIANCE GENERAL INSUARANCE

The Supreme Court held that under Section 12 of the Consumer Protection Act, 1986, the appellant's claim for insurance was unjustly repudiated by Reliance General Insurance Company Ltd. due to a delay in reporting the theft of the vehicle. The Court emphasized that the appellant had valid reasons for the delay, including his immediate engagement with police for the recovery of the stolen truck. The Court overturned the lower commissions' decisions, ruling in favor of the appellant and directing the insurance company to process the claim without citing the breach of condition for immediate reporting.