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My car met with an accident and insurance was active at the time of accident. Insurance company has refused to pay claim amount I spent on basis of my fault. What can I do?

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My car met with an accident and insurance was active at the time of accident. Insurance company has refused to pay claim amount I spent on basis of my fault. What can I do?

Ans.  

You can file a consumer complaint within 2 years from the date of cause of action and can claim insurance amount. 

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I received defective watch that costs Rs. 7000. Where can I file complaint?

Ans.  You can file consumer complaint before District Consumer Forum . 
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I received defective watch. What documents I need to file a consumer complaint?

Ans.  You need invoice or cash memo, proof of payment and warranty card etc to file a consumer complaint. 
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