INSURANCE FRAUD

1. Mr chauhan case Individual fraud

Lathur district

Keyman policy: something happens to the keyman the company will take the benefits

MR CHAUHAN MADE HIS BROTHER PARTNER

MR C PURCHASED KEYMAN POLICY 10CRORE INSURANCE
PREMIUIM WERE PAID
AFTER 2 YEARS CALLLED PARTNER FOR EVEVNING BIKE RIDE UNFORTUNATELY ACCIDENT
TOOK PLACED MR CHAUHAN SAVED AND PARTNER DIED ON SPOT
LATER ON 13 DAYS OF PRAYER HE LODGED INSURAN CLAIM AND 11 LAKHS WERE GIVEN TO
COMPANY
A GIRL FRIEND OF MR C AND GOT MARRIED ON HER BIRTHDAY MR C TERM INSURAN
POLICY OF 8 LAKHS WHEN AT 38 WILL GET CRORES OF MONEY PREMIUM WERE PAID

WIFE AND MR C GONE FOR A RIDE MAJOR ACCIDENT TOOK PLACE WIFE WAS DEAD
40 DAYS PRAYER MR C FILED INSURANCE CLAIM 8 CRORES RUPPES WERE PAID
HE KILLED 2 PEOPLE

2. Group fraud

29 people
900 crore rupees
These grup would search for abt to die patient at 2 hospital pgi chandigarh and pgi Rohtak
About to die and they convince them to get insurance of accidental insurance cheap
insurance because the probability of accident is less
Grup were all illiterate people
The moment the person would die withi houlf n hour they will arrange accidental scene they
will kill some animal put blood in the car and create false accidental scene and file a fir and
false accident was created and insurance were given.
They were caught by haryana the accidents were increased drastically then they reviewed
and they were caught.

3. Guntur andra Pradesh

False Identiy case

They used to create false identity by creating false picture and they would plant that person
in poor family but the person does not existed they created rashan card school card pan
card and shop and establishment certificate that means they are having a shop and
insurance is taken on false identity and the nominee is family
The false identity person went for a evening walk having tobacco and while coming back a
snake came and bite him and he died. Creamation took place document of gram panchayat
and agan wadi issued certificate
50 lakhs were given.
Insurance company caught by they saw such cases in Guntur every boy or girl is dying cause
of snake bite there were 36 snake bite deaths were there all forged the doc the panchayat
attacked the investigation team and they were protected. The village people told that no
one die here. The amount were 400 crore rs insurance agent.

4. Case from UK

Husband and wife living in uk n parents living in india husband wrote a mail that he is ill and
have dengue and died. He took big insurance there wife launched a claim proper
investigation. The lady sold out a the house and purchased a malicious house. They started
living after 6 months at night the knock was there police has come the guard informed.
The police said they have search warrant of the house the husband was alive.
The husband was arrested but not the women cause she had kids.

Case laws citations:

MANISHA GUPTA VS KOTAK MAHNDRA – MAY 2019

MANISHA GUPTA VS BIRALA SUNLIGHT – MARCH 2019
RELIANCE INSURANCE VS REKHA BHEN OR RADHIKA BHEN – APRIL 2019
SATWANT KAUR VS LIC
TC CHAKKO
CONTRACT OF UTMOST GOOD FAITH

5. MANISHA GUPTA VS BIRALA SUNLIGHT – MARCH 2019

TOOK 5CR AND PURCHASED MANY INSURANCE POLICIES AND THIS PERSON DEAD BODY
WAS FOUND IN ROHINI WITH A PISTOLTHE FIR WAS REGISTRED AND IT WAS WRITTEN IT
WAS A CASE OF SUCIDE AND IN CASE OF SUCIDE NO INSURANCE IS GIVEN
EXCEPYION: A CLAUSSE
THE BIRLA INSURANCE COMPANY CLAIM OF 5 CR NOTHING WAS GIVEN

6. MANISHA GUPTA VS KOTAK MAHNDRA – MAY 2019

SAME CASE SAME THOUGHT BUT OTHER THING WAS THAT UTMOST GOOD FAAITH WAS
BREACHED VAUSE THEY DIDN’T DISCLOSE SOMETHING. THE LADY LAWYER GONE TO THE
COURT AND THE POLICE IS MAING THE CASE OF SUCIDE BUT IT WAS A MURDER AND THE
POLICE DIDN’T WANT TO INVESTIGATE THE COURT ODERED POLICE TO INVESTIGATE
THE COURT SAID IT IS A MURDER THE BANK HAS TO GIVE THE MONEY
WHEN SIR TURNS COMES THE WITH KOTAK MAHIDNRA THE CASE WAS ADJOURNED WITH
ADVOCATE SANJAY SIR FAVOUR DUE TO BREACH OF UTMOST GOOD FAITH.
 7. FALSE HOSPITAL CASE

IN AND AROUND DELHI.

CASHLESS INSURANCE U NEED NOT TO PAY SINGLE MONEY AT THE TIME OF TREATMENT IN
HOSPITAL.
WHEN THE TEAM WENT THE HOSPITAL THERE WAS NO HOSPITAL THEN THE TEAM
ENQUIRE, THEY SSAID WE HAVE BASEMNT AND THE PST COMES THERE ONLY THERE WERE
LOT OF XRAYS FILES AND MEDICAL STATIONERY MEANING THEY WERE FABRICATING
EVERYTHING MEANSS THEY JUST CREATE FALSE PAPERS.EVERYDAY 60 70 BILLS COMES TO
THE HOSPITAL ALL FALSE.
60 SUCH CASES HOSPITAL WERE CAUGHT.
THEY WERE CAUGHT BECAUSE SAME KING OF ECG WAS COMING ONLY THE NAMES WERE
CHANGED.
SPECEALIST DOCTORS WERE INVOLVED INCLUDING GOVERNMENT HOSPITALS DOC.

8. SUCIDE CASE
Mayur vihar
THEY BOY CANNOT EARN MUCH SO THERE WERE LOT OF FIGHTS HE TOOK A POLICY OF 1.5
CR AND THEN HE PLAN HIS OWN MURDER SO THAT HIS FAMILY GET THE MONEY SO HE
HIRED SOME CRIMINALS INCLUDING THE MINOR HE DIES THE FIR WAS LAUNCHED AND THE
POLICE CAUGHT THE CRIMINALS THE CRIMINALS SAID THAT IT WAS APLANNED MURDER
AND THEY ONLY GET 4CR RS. IT WAS A SUCIDE THAT’S WHY HE DIDN’T GOT MONEY.

CONSUMER PROTECTION ACT

ON 9TH OF AUG 2019 THE NEW AMMENDED ACT WAS PASSED CPA 2019 AND DURING 2OTH
JULY 2020 CME INTO FORCE.
IT CAME INTO FORCE AFTER ONE YEAR BECAUSE THEIR WAS LACK OF POLITICAL WILL.
IT WAS ENFORCED BECAUSE DURING THESE 34 YRS MANY SERVICES WERE NOT THERE.
NEW DIMENSIONS WERE ADDED, THE NEW DIMENSIONS WERE:

1. 3 TYPES OF CONSUMER COMISSION

A. 1 TIER- DISTRICT – 1CR
B. 2 TIER- STATE-
C. 3 TIER- NATIONAL- 1OCR

2. EARLIER OUNCE THE ORDER HAS PASSSED THE ORDER IS COUNTISH APPENSHIO
EVEN THERE IS APPARENT ERROR ON IT BUT NOW THERE IS POWER OF REVIEW

3. SECTION 17 ADMINISTRATIVE CONNTROL IS WITH THE CONSUMER COMISSION

ONLY

4. E- FILING IS ALLOWED

5. WHICH GIVES THE POWER TO THE COMISSION FOR CONDONITION OF DELAY WHICH
MEANS THEY CAN FILE THE CASE AFTER THE TIME LINE ALSO.
 6. SECTION 69 THE CORT CAN PERMIT TO FILE A CASE AFTER 2 YRS ALSO

7. FOR THE FIRST TIME A SPECIAL CHAPTER IS ADDED FOR MEDIATION – CHAPTER 5
WHEREIN BOTH THE PARTIES WILL BE APPOINTED A MEDIATOR.

8. PRODUCT LIABILITY SPECEFIC CHAPTER

9. SUO MOTO (ON IT OWN)

10. CLASS ACTION LITIGATION

11. HAZRDOUS GOOD

12. HEAVY PENALTIES

13. IN CASE A CELEBRITY IS ENDORSING A PRODUCT WRONG HE WILL ALSO HELD LIABLE

14. THE PROVISION OF CCPA AND SCPA

15. SECTION 20 OF CPA JURIDCTION AT YOUR PLACE

IT ACT

THESE SEED WERE GROWN BY RAJEEV GANDHI AND WAS ENACTED IN 2000. THIS HAS
IMPACTED EVERY ACT CAUSE AMMENDENTS HAVE BEEN MADE IN EVERY ACT TO
INCORPORTE WITH IT ACT. BIGGEST CONTRIBUTION OR REVOLUTION OF IT ACT IS LEGAL
RECOGONITION RELATED TO E-COMMERCE. EVRY TRANSACTION WERE IT IS USED YOU
HAVE TO FILE AFFIDAVIT
WHAT IS CYBER CRIME?
IT IS AN UNLAWFUL ACT WHEREIN COMPUTER IS EITHER A TOOL OR A TARGET.
SECTION 65 TO 72 HAVE DEFINED SPECEFIC CRIMES.
NOT DEFINED ARE
HACKING
VIRUS
CASE LAW
SHREEYAS SINGHAL CASE
STATING THAT OFFENSIVE MESSAGES WERE SENT SUPREME COURT SAID MAY 2015- TILL
2021 REGISTED CASES 66 CASE.
AG SAID THIS IS BECAUSE IN LAW BOOKS SECTION IS WRITTEN AND INSIDE IT IS WRITTEN
OMITTED BECAUSE OF SHREEYAS SINGHAL CASE

FEB 2021 NEW IT ACT RULES WERE MADE

SECTION 79 PROTECTION GIVEN TO INTERMEDIATERIES
AS PER THE NEW IT RULES
 1. INTERMEDIATERIES HAVE TO MAKE 3 BODIES
A. ONE IS GRIEVANCE COMISSION
B. NODAL AGENCY
C. C

8 PM CARE ACC WAS FORGED

CHINESE HACKERS HACKED MANY BANKS WITH GOVERNMAENT AUTHORITIES

FACEBOOK INSTA WAS HACKED

INSTRUMENTS ARE THERE WITH POLICE EVERYTHING IS KNOWN TO POLICE

MICROSOFT OFFICE WAS HACEK BY CHINESE PEOPLE

SEDITION LAW

Words speaken or writtend brings hatred ecites or attempts to bring disaffection towards
the lawful body.
3YR+ UPTO LIFE

HISTORICAL ASPECT
BRITISHERES WANT TO CREATE THIS LAW TO PREVENT BAD SAYING BEFORE THEM.
AND WHEN AT THE TIME OF INDEPENDENCE THERE WAS DEBATE ON WETHERE THERE
SHOULD BE SEDITION LAW OR NOT TWO POINTS:

1. COMPLETE RIGHT WITHOUT ANY EXCEPTION

2. REASONALBE RESTRICTIONS

BY LOOKING INTO THE WORLD LAW THERE WERE ALSO REASONAL RESRRICTION SO WE
ALSO HAD.
WHEN THE CONSTITUTION CAME INTO THE PAR AT HAT SCENARIO FROM DAY 1 THERE WAS
DEMAND THAT THIS SECTION SHOULD BE REMOVED AND THAT VOICE IS STILL GOING ON.
OCTOBER 9TH THEIR CASE A DEBATE RETIRED JUSTICE MR NARIMAN THAT HE WILL SEE THIS
PARTICULAR LAW SHOULD GO.
1. FIRST JUDMENT KEDARNATH VS STATE OF BIHAR 1962
THE COURT SAID THAT INA DDITION TO THE 3 PREREQUISTE ANOTHER ONE WAS ADDED 4 TH
ONE WAS THAT THERE SHOULD BE BREACH OF PUBLIC PEACE.

2. BALMIR SINGH CASE

CASE OF PUNJAB. MR BALMIR SINGH WAS GIVING HIS LECTURE IN GURDUWARA AND WAS
RAISING ANTI INDIA SLOGAN ALSO USED. PAKISTAN ZINDABAAD HINDUSTAAN
MURDABBAD. THE COURT SAID BUT THE TEAST AND PREREQUISTE IN KEDARNATH CASE
WAS NOT GIVEN.

IN 2009 THE BRITISH COUNTRY ALSO ABOLISHED THIS SECTION.

AN INCIDENT WAS THAT SANJAY SIR AND VINOD DUA WERE HAVING DISCUSS ON SEDITION
A CASE WAS FILED OF VINOD DUA FOR SEDITION LAW CASE. HE HAS GONE TO THE
SUPREMEM COURT WHERE JUDMENT CAME AND HIS FIR WAS QUASHED STATING THAT
DESPITE THE JUDGMENTS HOW THE POLICE CAN REGISTRED A FIR.

FIR
Lalita kumari vs sate of up
Section 154A
166A section
Justice verma commission
It is called zero fir cause