Anju Mittal, a resident of Sector 44, had insured her car with the company. It was stolen in February 2007.

She said a claim was lodged along with requisite documents. The company, however, took 15 months to settle the claim during which she suffered mental agony, physical unrest and mental torture.

She said even after four months when the claim was not settled, the company started making unjustifiable demands for those documents which could not be legally sustained.

She was asked to submit a ‘non-traceable report duly accepted by the court’ and ‘the registration book in original’.

While the untraced report was already submitted, the RC was kept in the car when it was stolen.

The forum stated that the company did not bother to find out that the RC could not be submitted in original as it was lying in the car.

The forum also found that the RC form supplied by the company to the complainant was incomplete.

The company, in its reply, said the claim was settled according to the terms and conditions and Rs 31,500 was released to the complainant.

They denied any deficiency on their part.

By referring to Section 50 of the Motor Vehicle Act, 1988, and Rule 55 of the Central Motor Vehicle Rules, 1989, the forum said the complainant was to fill up form No 29 and submit the same either to the Registering Authority or to the company.