Case Law Analysis
Recovery Memo Not Mandatory If Police Records Confirm Vehicle Identity | Insurer's Technical Repudiation of Theft Claim Held Deficiency in Service : Delhi State CDRC
The Commission ruled that police records establishing chassis/engine identity override the need for a formal recovery memo. Repudiating a theft claim due to colour change or fake plates - despite confirmed vehicle identity - amounts to deficiency in service, warranting full IDV as constructive total loss.