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Compensation in case fire destroyed the house
14-Oct-2023 (In Consumer Court Law)
On 4 Oct 2017 my car catches fire and this fire had spreaded in the whole house and destroyed the whole house.So please tell me what can I do for getting a compensation
The information you have provided in the query is not sufficient to provide complete opinion. You have not provided the information like in whose name the car is registered, the nature of insurance policy, who is the owner of the house, whether it is your owned house or a rented accommodation, whether you registered a proper FIR with the police, whether your house was insured.
1. In case you had comprehensive on your car, you can get the compensation for your car as well as the house and house-hold properties. To get the claim you need to file a consumer complaint depending on the amount of claim.
2. In case you have got only third party insurance on the car, and the house is not in your name, it is in the name of any other person, may be in the name of your wife or any other family member, still you can get the compensation from the insurance company by filing a consumer complaint.
3. In case you have no insurance and you got the car repaired by the garage in the near past, still you can get the compensation from the garage owner, by filing the consumer complaint.
The above three suggestions are useful if your house-hold property is not insured. In case your house and house-hold properties are insured than two consumer complaints will be filed, i.e. one for the car and the other for the house and house-hold properties.
You must note that your claim will be more than the IDV (Insured Declared Value) of the vehicle, so this is not an ordinary case, it requires a specialised and skilled drafting of complaint, properly presentation before the court by an expert professional. So be mindful while selecting the lawyer.
For any further query, feel free to contact me on my phone and/or e-mail.
1. In case you had comprehensive on your car, you can get the compensation for your car as well as the house and house-hold properties. To get the claim you need to file a consumer complaint depending on the amount of claim.
2. In case you have got only third party insurance on the car, and the house is not in your name, it is in the name of any other person, may be in the name of your wife or any other family member, still you can get the compensation from the insurance company by filing a consumer complaint.
3. In case you have no insurance and you got the car repaired by the garage in the near past, still you can get the compensation from the garage owner, by filing the consumer complaint.
The above three suggestions are useful if your house-hold property is not insured. In case your house and house-hold properties are insured than two consumer complaints will be filed, i.e. one for the car and the other for the house and house-hold properties.
You must note that your claim will be more than the IDV (Insured Declared Value) of the vehicle, so this is not an ordinary case, it requires a specialised and skilled drafting of complaint, properly presentation before the court by an expert professional. So be mindful while selecting the lawyer.
For any further query, feel free to contact me on my phone and/or e-mail.
Helpful?
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Adv. Arun Kumar
Gurgaon | 100+ Answers
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Disclaimer: The above query and its response is NOT a legal opinion in any way whatsoever as this is based on the information shared by the person posting the query at lawrato.com and has been responded by one of the Divorce Lawyers at lawrato.com to address the specific facts and details.
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