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A person has two vehicles, each with ₹15 lakhs accidental insurance. One policy is with United India Insurance (government) and the other with Acko General Insurance (private sector). In case of accidental death, can the nominee claim ₹15 lakhs from both insurers? Has anyone in a similar situation gone to court after repudiation and received the claim in India?
Yes, the nominee can claim from both insurers because accidental death insurance is benefit-based and not reimbursement-based. This means each insurer has to pay the insured amount independently. Courts in India have upheld such claims, and IRDAI has not restricted multiple payouts. If any insurer repudiates, you can approach the Insurance Ombudsman or file a case in Consumer Court for relief. For further legal assistance contact us on our helpline number.