Registration of FIR not sine qua non for processing life insurance policy claim in cases of accidental fall deaths

Last updated: 29 December 2022
Quick Summary
The High Court of Jammu & Kashmir and Ladakh has ruled that a First Information Report (FIR) is not always necessary when processing a life insurance claim for death by accidental fall. In a case where the insured died from injuries sustained after falling from their veranda, the insurance company, LIC, had repudiated the claim citing the lack of an FIR. However, the court upheld the Consumer Commission's decision, stating that for accidents where no one can be held responsible, like a fall, an FIR is not a prerequisite for claim processing, especially when other evidence confirms the accidental nature of the death.

Court :
J&K And Ladakh High Court

Brief :
It recently upheld a Consumer Commission order wherein it was held that in cases where the death of the insured has occurred due to injuries suffered from a fall, the registration of FIR may not be required for processing the life insurance claim.

Citation :
FAO(CP) NO.1/2021 CM NO. 813/2021

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