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Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →A Kurnool district consumer commission reportedly ordered ICICI Lombard to pay a nominee the ₹50 lakh sum assured after the insurer rejected his brother’s personal accident claim for alleged “misrepresentation.” The reported reasons were evidentiary: the insurer did not identify the supposedly false information, prove that its requests for more documents reached the nominee, or show that the missing police final report defeated liability. Its own investigator had reportedly found the accident genuine.
What happened in the ₹50 lakh claim?
According to reports, Divakar Reddy Yellala held a personal accident policy from ICICI Lombard with a ₹50 lakh sum assured. The policy period was December 19, 2024, to December 18, 2025, and the reported premium was ₹4,767. On April 14, 2025, an unknown vehicle allegedly struck his motorcycle. He suffered head injuries and died at the scene; the post-mortem report recorded “Head Injury” as the cause of death.
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His brother and named nominee, Yellala Jagadeeshawara Reddy, filed a claim on May 8, 2025. The insurer reportedly asked for further claim records, including a police final report, and said the nominee had not responded to reminders. It referred to letters dated May 17, 19, 21 and 25, 2025, then rejected the claim by email on June 28, alleging “misrepresentation of facts” to obtain the benefit. The Indian Express’s account and LiveLaw’s report describe the dispute.
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A free scan shows the junk files, broken settings and background clutter dragging Windows down - then fixes them in one click.Free scan · Windows 10 & 11Why did the insurer’s misrepresentation argument fail?
The insurer did not specify what was false
The Commission reportedly found that the insurer had not identified which fact the nominee supposedly misrepresented, when it was stated, or why it mattered to the insurer’s decision to accept the risk. An allegation alone did not establish a valid policy ground for rejecting the claim.
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The insurer did not prove its document requests reached the nominee
The Commission reportedly found no postal receipts, acknowledgements, tracking records, courier records or email-delivery reports showing that the requests were dispatched and served. Citing dates for letters did not, by itself, demonstrate receipt or that the nominee had a reasonable opportunity to respond.
The insurer’s own investigator found the incident genuine
The Commission considered the insurer’s field verification report, attributed in LiveLaw’s account to Dr. Penubakula P. Malleswara Rao. It reportedly found the incident genuine and the cause of death consistent with the post-mortem finding of head injury. The report’s wording was “pro payable subject to police final report as per policy T/C.”
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The missing police final report was not shown to defeat liability
The Commission reportedly found no evidence that the eventual police report contained an adverse finding, or that the report’s absence suspended or extinguished the insurer’s contractual liability. The distinction matters: the reported decision did not say police records can never be required. It found that, in this dispute, the insurer had not established that the missing report justified non-payment under the policy.
What did the Commission order?
The District Consumer Disputes Redressal Commission, Kurnool, reportedly held that rejecting or not settling the claim without a valid, substantiated policy ground amounted to deficiency in service. It directed ICICI Lombard to pay the nominee the sum assured, compensation for mental agony and litigation costs:
| Order component | Reported amount or term |
|---|---|
| Sum assured | ₹50,00,000 |
| Compensation for mental agony | ₹20,000 |
| Litigation costs | ₹5,000 |
| Time to comply | 45 days from receipt of the order |
| Interest if not complied with in time | 9% a year on the sum assured, from October 6, 2025, the complaint date, until realization |
These are amounts and terms attributed to the Kurnool Commission’s reported order, not general insurance-claim benchmarks. The Indian Express, Economic Times and LiveLaw reported the decision; the full order text was not independently reviewed. Appeal, stay and payment status have not been confirmed, so the reported direction should not be treated as proof that the award is final or has been paid.
What can a nominee take from this case?
The decision turns on the evidence reported in this particular dispute, not a universal rule that every claim must be paid without a police final report or that every document request must be delivered by a particular method. The insurer’s stated allegation, what its investigator found, what it could prove about its requests, and the policy terms all mattered.
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For practical record-keeping, Advocate-on-Record V. Anush Rajan, quoted by the Economic Times, advised beneficiaries to follow the claim procedure and carefully archive insurer letters and email replies. Keep copies of:
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- the policy schedule and full policy wording;
- the claim form and supporting documents submitted;
- proof of delivery or submission for those documents;
- each written request from the insurer and your replies; and
- the claim decision and any correspondence explaining it.
These records can help establish what was submitted and communicated; they do not guarantee payment or determine the outcome of an individual dispute. The Economic Times report includes the record-keeping advice.
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How firmly can the decision be described?
Reports identify the matter as Consumer Complaint No. 156/2025 and quote the Commission’s findings, but the full order PDF could not be retrieved for independent review. The outcome and reasoning here are therefore attributed to the published reports. Whether an appeal or stay followed, and whether payment was made, remain unverified.
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