#repair estimate

State Consumer Commission sets aside District Commission order awarding IDV for total loss where repair estimate submitted 2.5 years post-accident lacked workshop seal and authorized signatory, and insurer had issued document demand letter.

The NCDRC ruled that an insurer’s refusal to settle a motor insurance claim without challenging the repair estimate or submitting opposing evidence amounts to deficiency in service under the Consumer Protection Act. This sets a clear precedent: insurers must actively justify denials, not remain passive, protecting policyholders from arbitrary claim rejections.