Question

Rishabh purchased a car for ₹ 8,00,000. He insured the car on the same day from Alex Insurance Company. Rishabh’s car was stolen in Kedwan while he was on vacation with his family. He promptly filed a First Information Report (FIR), informed the insurer and submitted all the required documents.
To Rishabh’s shock, the insurance company rejected his claim, alleging he had failed to take due care and had parked the car in an unsafe manner. Determined to challenge this, Rishabh wrote multiple letters to the insurance company, but the insurance company refused to pay the compensation.
Rishabh filed a case with District Commission. The District Commission was satisfied with the genuineness of the complaint and ordered the insurance company to pay a reasonable amount.
Identify and explain two consumer rights which have been exercised by Rishabh.

Hint:

"Right to be Heard" is about the \textbf{complaint} being received; "Right to Seek Redressal" is about getting the \textbf{compensation} or remedy.

Answer 1

Step 1: Understanding the Concept:
The Consumer Protection Act provides rights to consumers to protect them against unfair trade practices and deficient services.
Step 2: Detailed Explanation:
1. Right to be Heard: This was exercised when Rishabh "wrote multiple letters to the insurance company" to express his grievance and later when he filed a case with the District Commission. It ensures the consumer's interest will receive due consideration at appropriate forums.
2. Right to Seek Redressal: This was exercised when the District Commission "ordered the insurance company to pay a reasonable amount." It gives the consumer the right to get compensation against unfair trade practices or exploitation.
Step 3: Final Answer:
The rights are the Right to be Heard and the Right to Seek Redressal.