#Overloading

The NCDRC has ruled that insurers cannot repudiate motor vehicle claims solely on the basis of load challans without concrete, corroborative evidence of overloading. This sets a critical precedent for policyholders, requiring insurers to meet a higher evidentiary bar before denying claims under the Consumer Protection Act, thereby strengthening consumer rights in insurance disputes.

The Calcutta High Court ruled that knowingly overloading a tanker beyond statutory limits constitutes willful misconduct under insurance policy clauses, voiding coverage even if the accident was not intentionally caused. This sets a clear precedent for insurers to deny claims where statutory violations are proven to be deliberate, shifting the burden to insured parties to prove compliance.