In Brief
A vehicle owner claimed insurance after his car was stolen. Although there was a delay in notifying the insurance company, the FIR was filed the same day, police completed their investigation, and the insurer's own investigator confirmed the claim was genuine. The lower courts allowed the claim, but the National Commission reversed this decision citing the delay. The Supreme Court held that rejecting a genuine, verified claim on technical grounds like notification delay would be unfair. The Court restored the lower courts' decisions and allowed the appeal, emphasizing that insurance claims must be judged on substance, not procedural technicalities.
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