M/S UNIVERSAL SOMPO GENERAL INSURANCE CO. LTD. vs SURESH CHAND JAIN

The Supreme Court examined whether the consumer complaint filed under Section 12 of the Consumer Protection Act was maintainable against the insurance company for claims related to insurance policies. The court analyzed the procedural compliance and the scope of the Consumer Protection Act, emphasizing that disputes involving insurance claims are generally outside its purview unless specific provisions apply. The court upheld the decision of the National Consumer Disputes Redressal Commission (NCDRC) dismissing the appeal, affirming that the matter was not within the jurisdiction of the Consumer Protection Act. The judgment clarifies the limits of consumer jurisdiction in insurance disputes and reinforces the importance of procedural adherence.