Question:medium

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.

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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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Correct Answer: 2

Solution and Explanation

Step 1: Understand the context of the question.
Rishabh bought a car, insured it, it was stolen, the insurer wrongfully rejected his claim, and he then wrote letters to the company and finally filed a case with the District Commission and won. We need to identify which two consumer rights he exercised.
Step 2: Recall the six consumer rights.
The Consumer Protection Act grants consumers these rights: Right to Safety, Right to Information, Right to Choose, Right to be Heard, Right to Seek Redressal, and Right to Consumer Education.
Step 3: Identify the first consumer right exercised.
When the insurance company rejected the claim unfairly, Rishabh wrote multiple letters to them to challenge the rejection and make sure his grievance was properly registered and considered. This is the Right to be Heard. This right assures that consumers will receive due attention at appropriate forums when they raise complaints against unfair treatment by service providers.
Step 4: Explain the Right to be Heard clearly.
This right means a consumer has the right to present their case and have it listened to seriously. It is the right to speak up against exploitation without being dismissed. Rishabh exercised this when he repeatedly wrote to the insurance company.
Step 5: Identify the second consumer right exercised.
When writing letters failed, Rishabh escalated his complaint to the District Commission and received a court order for compensation. This is the Right to Seek Redressal. This right empowers consumers to seek legal remedy - compensation, replacement, or correction of deficient services - through consumer courts.
Step 6: Explain the Right to Seek Redressal clearly and conclude.
Redressal means getting justice. By approaching the District Commission and winning compensation, Rishabh demonstrated that consumers are not powerless even when businesses are at fault.
\[ \boxed{ \text{1. Right to be Heard (letters); 2. Right to Seek Redressal (District Commission)} } \]
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