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.
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.
Show Hint
Remember: Writing a complaint letter = Right to be Heard. Going to court and getting compensation = Right to Seek Redressal.
Updated On: Jun 25, 2026
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Verified By Collegedunia
Correct Answer: 2
Solution and Explanation
Step 1: Concept
Consumer Rights under the Consumer Protection Act.
Step 2: Meaning
The Consumer Protection Act grants specific rights to consumers to protect them against unfair trade practices and exploitation by sellers or service providers.
Step 3: Analysis
• Right to be Heard: Rishabh wrote multiple letters to the insurance company to challenge their rejection and ensure his grievance was registered. This right guarantees that consumers have the right to advocate for their interests and ensures their complaints will receive due consideration at appropriate forums.
• Right to Seek Redressal: When the insurance company refused to pay, Rishabh filed a case with the District Commission and received a favorable order for compensation. This right assures consumers the ability to seek legal relief and fair settlement (such as compensation or replacement) against unfair trade practices or exploitation.
Step 4: Conclusion
Rishabh exercised his right to voice his complaint and his legal right to claim compensation through consumer courts.
Final Answer: 1. Right to be Heard, 2. Right to seek Redressal.
Consumer Rights under the Consumer Protection Act.
Step 2: Meaning
The Consumer Protection Act grants specific rights to consumers to protect them against unfair trade practices and exploitation by sellers or service providers.
Step 3: Analysis
• Right to be Heard: Rishabh wrote multiple letters to the insurance company to challenge their rejection and ensure his grievance was registered. This right guarantees that consumers have the right to advocate for their interests and ensures their complaints will receive due consideration at appropriate forums.
• Right to Seek Redressal: When the insurance company refused to pay, Rishabh filed a case with the District Commission and received a favorable order for compensation. This right assures consumers the ability to seek legal relief and fair settlement (such as compensation or replacement) against unfair trade practices or exploitation.
Step 4: Conclusion
Rishabh exercised his right to voice his complaint and his legal right to claim compensation through consumer courts.
Final Answer: 1. Right to be Heard, 2. Right to seek Redressal.
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