3 Simple Ways To Earn Online Money Quickly

It is very easy and simple to earn extra cash. Testimony to this are hordes of online marketing experts who earn online money in some unique ways. For instance, you can sell services or products on your website or blog. You can even advertise or promote other people’s products to earn commission.

Enumerated below are 3 unique ways of earning some quick online money.

Sign-up For Networking Marketing Business

For ages, multi-level marketing or network marketing has emerged as a proven method for doing business. the immense popularity of internet means you can easily find your prospective customers/clients. In short, in network marketing you ought to rely on a distributor network. This in turn provides you a helping hand in building up your business. In multi-level marketing you end up getting two types of earning – on sales done by the distributor as well as on sales made by yourself. The best part – every company follows its compensation model and therefore gives additional incentives to its groups. To earn online money with least efforts can’t get better than this.

Opt For Fill-Up Surveys

Today, there are several paid online surveys and joining them becomes a fun way of earning online money. In this cut-throat business scenario, a lot of businesses are coming up with online surveys. This helps them in gauging customer preferences or getting their opinions. These online surveys do offer small amount of cash or participate in unique draws where prize items are offered.

Join an Affiliate Marketing Program

FYI, this kind of program believes in rewarding their affiliate for send each customer, visitor or subscriber for referring to an online vendor or merchant. The nature of compensation given keeps varying depending upon the kind of program involved. For example, it could be pay-per-sale (usually a kind of commission), pay-per-lead or pay-per-click (also known as customer referral).

It won’t be out of context to say that cyberspace has become a good place for earning online money easily without much efforts. All that it needs is some sincerity and devotion to analyse every venture. You don’t even have to be a computer geek to accomplish this feat. Just ensure you have selected the right program or opportunity to earn online money. With some wise-thinking and hard work you can end up generating as much money as you want.

The process becomes all the more smoother only when you are aware how to do and where to go. You can always get additional insights by reading more about it on the internet.



Source by Bijoy Ranjan Dey

How to Find Legitimate Paid Online Survey Sites

There are plenty of reasons why you must be reading this article right now, and one of the most popular is that you intend to pursue paid surveys the right way the first time around – or the second, or the third. It really does not matter how many attempts you have made before. What counts is you are taking the necessary steps to succeed in this little money-making endeavor of yours.

If you are just about to sign up for a survey panel, then you should continue reading. Paid surveys, as you already know, happened in the worldwide web. As the years passed and computing technologies advanced, so did the methods of scammers and other cyber criminals. If you fall into the arms of a fake survey panel, the immediate consequences will be loss of money and waste of time and energy. This bad experience will urge to give up on this venture alike. We can not stop you from making that decision, but we can tell you that authentic paid online survey sites exist. All you really need the right steps and to follow through them faithfully.

Heed these warnings

The first thing you need to do is to ease your search by eliminating the clutters of fake panels. How do you identify them? Here are the road signs you should keep an eye on:

1. They make the best promises – These survey sites hire the writers who graduated valedictorians in high schools named 'Elegant Words for the Discreet Liar' and 'We Make Promises – You Fall for Them'. Everything they say are too ideal – a tad bit too close to dream come true for them to be authentic. We are not saying that the real panels are the ones that make no promises alike. There is a difference between good and too much.

Remember that paid surveys are not part time jobs. Answering surveys and polls will not gain you a fortune, so retreat when a panel assures you that you can.

2. They are slower than sloths – it's either that or they they cease to exist whenever you send them an inquiry through email. If you have not tried contacting them, then go to their website and do just that. Authentic survey panels respond quietly and professionally, whereas scammers tend to be slow and may remain unresponsive for days.

3. They are as transparent as pebbles – Authentic panels are not afraid to reveal their history, including the names of their founders and the address where their main office is located. Contact information is very important. They give you the opportunity to test them yourself.

Done filtering? Let's hunt

By now you should have scratched off the clutters in your list of prospects. The next we admonish you to do is to stay out of those websites that claim they have reviewed survey panels and have made the top ten among the hundreds of them that exists.

In the internet, you will never know who you can trust. Fortunately, there are alternate sites you can go to, such as those with forums and discussion boards that are discussing paid surveys. There's a bigger chance of you acquiring a reliable set of recommendations from real, concerned participant of paid surveys.

Once you have updated your list of prospects, start researching their background. Listen to the opinions of other participants, especially those that you are acquainted with, and take precaution against ropers and shills. Authentic survey panels will ever encourage you to quit your part time job by guaranteeing you a set amount of income per month.

You bought to know that is impossible because the money you will earn will land in your PayPal account after six weeks after you request for it. In fact, most legitimate survey panels nowdays post a disclaimer that you do get paid for surveys, but not always in the form of money. They can give you gift certificates, test products, and sweepstake entries instead. This is the reason why any legal panel will never charge you with a membership fee. Study the terms and conditions that they abide by and for sure you will know whenever the panel leans more on the good or bad side.



Source by Amit Kothiyaal

Legitimate Surveys for Money – Make Money Taking Online Surveys

Do you think about taking legitimate surveys for money? Taking a survey for money is easy if you work with legitimate survey sites. There are plenty of garbage sites in the internet that claim themselves as real and legitimate survey sites. I have also experienced with a few of those so-called paid survey sites and I never get paid by them.

Now, whenever I join any survey panel, I always try to figure out whether it is a legitimate site or not. And I only join when I will be satisfied by my research.

So, I’m going to talk about taking legitimate surveys for money.

How to make money with legitimate online surveys?

At first, you have to find 100 legitimate survey sites that really pay. And after that you should join all those sites within a few days. After signing up 100s of sites, you should check your email box daily and spend some time on taking paid surveys.

Well, finding 100 survey panels is a little bit hard work. But don’t worry; you can do it easily with a proper guidance.

First tip to find those survey panels is that you need to go to Google and take a search with this phrase ‘surveys + forum’. Add some other words with ‘SURVEYS’ and take a few more searches. When you have 5 – 6 forums on the topic ‘legitimate surveys for money’, then you should check those forums and find out how many survey panels fit you and available for you.

Also, go to Yahoo Answers and post a question about ‘online surveys’, you will get some good sites on your region.

I find that signing up 100s of sites is really time-consuming and a little bit hard work. But after getting some experience I know that you can decrease the time of signing up by installing form filler software like RoboForm. It is one of the best software out there that will help you while signing up survey panels. You just need to set up your email address and personal information once on RoboForm, and RoboForm will fill up signup forms of those sites with one click.

Now, you should wait for survey invitation and when you get a survey invitation via email then you should take that survey and give your views. You will earn $1 to $10 for a typical survey you complete. And it’s quite good money for a few minutes to an hour work. Remember, to earn money will legitimate surveys you must find best and legitimate survey panels.

Well, in next page you will find the best legitimate survey panel. You’ll be amazed by knowing that some people are making more than $1000 per month with that best survey site.



Source by Alan Bardar

Ways To Do Online Surveys Wrong – And How To Correct Them

Working from home has become a very lucrative fad. Thanks to the Internet, people the world over can now earn, from the comfort of their own homes. Those who have full time jobs can even augment their income, thanks to opportunities they may be able to find online. The possibilities are endless, and so are the avenues through which people can earn. Among these income-generating opportunities are paid surveys online. Answering free online surveys is not only a term to pass time with, it's also an easy way to earn.

One thing that keeps this income-generating venture from working, however, is not doing it properly. As is with anything else in life, there is a right way and a wrong way to do something. Answering paid surveys online is no exception: there is a way to do it properly, which will bring you results. The only question is how to avoid the common mistakes that people commit when venturing into free online surveys. We name a few, so you can work on avoiding these and maximize your paid survey income.

  • Mistake # 1. Not researching before jumping in. As they say, "Knowing is half the battle." And indeed, in online ventures, this is exactly the case. Because of the anonymity of the Internet, there is an increased risk of being scammed. Scammers can remain under the cloak of the Internet's anonymity, and this could pose a problem to the would-be survey-taker. Research, however, can minimize the risk of running smack dab into a survey scam, and will allow someone interested in taking paid surveys online to find the best, most reliable, and most lucrative survey opportunities available.
  • Mistake # 2. Thinking all survey companies are scams. Nothing kills a golden opportunity faster than deciding based on a hasty generalization. As we mentioned, not all survey companies are scams. Some survey websites have been around since the golden age of the Internet, and they have been paying thousands of people the world over some really good pastime money. Writing off the industry is a major mistake, because it precedes you from cashing in on what could have been a golden opportunity, taking free online surveys.
  • Mistake # 3. Trusting "too good to be true" offers. On the flipside, the fastest way to getting burned in the paid surveys online industry is being overly trusting. One saying that one does good to bear in mind, especially in the pursuit of opportunities, is that "If it's too good to be true, it probably is." Sometimes, we get taken in by the "shiny" nature of some of the opportunities that come our way, that we fail to see the red flags in what we're about to enter. Taking part in free online surveys is no different. Take note that companies need a good number of people to gather data from, so bear in mind that no company with a budget for research will be willing to pay more than what is reasonable, even for much-needed data. Even if it's a multi-million-dollar-earning company in a multi-million-dollar industry, there will still be an annual threshold to their budget. Therefore, any survey that claims to pay hundreds of dollars per day may well be one of those websites which promise is just "too good to be true," it's definitely a scam.

Working on paid surveys online definitely beats vegging out on the couch and watching TV for hours on end. In fact, free online surveys are flexible enough, that you can probably even watch TV while you're at it. Grab the opportunities that come our way, bear the points we made in mind, and you'll do great in this field!



Source by Amit Kothiyaal

Earn Quick With Paid Surveys

Paid online surveys are good deals only if you know how to navigate it towards Treasure Island instead of the Bermuda Triangle. Marketing research companies are pouring more attention to online survey panels now more than ever because of the escalating traffic of internet users. Every additional user is a possible participant, and why should not you give them what they want? It is a win-win situation, because by meeting their needs, you are rewarded with an extra income.

Getting paid to do surveys may have been the last employment you would have opted for, but now that you've hopped into the boat with us, you might as well take control and get the most out of it. The biggest question in the world of paid surveys is this: how do you do it?

There are a couple of guidelines and facts you need to keep in mind to make this endeavor of yours fruitful.

Preparation gives you the upper hand

First, you are required to have a reliable computer and a fast internet connection. How else can you access the surveys? If you are always moving around, it is easier for you if you own a mobile gadget that can pick up internet connections wherever your feet may lead you.

Second, you are admonished to create a separate email account. Survey prompts, offers, and advertisements will be flooding your inbox frequently. Save yourself from the trouble of sorting through your emails and risks of missing out on other important messages.

Further organize your survey taking by creating folders based on priority. Ask yourself which surveys benefit you more and contain them in a single folder. There is also the possibility that your spam folder will be packed instead of your inbox. To avoid this, register the email addresses of the survey panels you joined. Some spam folders delete the messages in it after a certain amount of days. You would not want to miss a good survey opportunity simply because the survey prompts were mistaken for threats.

Requirements first

You can not just come and go from one survey site to another. Panel hopping will get you now; you have to play this strategically. Once you have the list of panels you want to join, sign up with them to become a member. Completing your profile is the most significant step you have to accomplish yet. Fill-in the information honestly, there is no need to be suspicious when you see questions regarding your occupation, your health, your family, and the like.

Surveyors need as much of these information about you as possible for them to identify your proper demographic and therefore send you surveys you are qualified to answer. Without this, both you and the surveyors will be having a difficult time making paid surveys work. The data collected by survey panels are used to improve the products and services of various international companies. It is vital that they acquire only credit information. Continually update your profile whenever you experience things like health issues, employment concerns, and family problems and other relative mattes. The more detailed and interesting your profile is, the greater the chances of you qualifying for more surveys. Check your inbox often and stay active in the panels you've joined.

Diligent Participation

It will take time, practice, and patience before you can really get the hang of paid surveys. When you do, however, it will be easy to earn the money you need. You would already have mastered the pointing system of the panels you chose to prioritize, and building those points to the redeemable amount would be a stroll in the park. It is also with the extra push of perseverance that you can be patient in receiving your income. They typically arrive at your PayPal account four to six weeks after you've made the request to redeem them. Do not mope around during that time. Take more surveys! By the time you receive the money, you'd be expecting another to roll your way.

Through proper navigation, even the art of obtaining gift certificates and sweepstake entries will become second-nature to you. Stop perceiving those extra benefits as nuisances. They do not hinder you, but rather they make your experience better. Paid surveys are for the diligent participant and not for the lazy boned.



Source by Amit Kothiyaal

Cost-free Study Web pages That Pay By means of PayPal

Web is entire of study prospects and there are loads of no cost survey web sites that pay back as a result of PayPal. Obtaining money by PayPal is the best part of any study chance, since PayPal is acknowledged in more than 190 nations and in most international locations persons can withdraw their PayPal revenue into their neighborhood currencies.

Properly, here are the major 4 cost-free study web pages that shell out through PayPal.

# 1. Study Head – If you are on the lookout for a substantial paying out survey internet site, then SurveyHead will be a very good alternative for you. When you join SurveyHead, you will get instant $5 sign up bonus. Another good position of SurveyHead is you will also make dollars for finishing your profile surveys. Usually, other study panels do not spend for completing profile surveys, but SurveyHead pays. Its minimum amount payout sum is just $25 and it lets PayPal as its payment approach. You can also receive payment as amazon.com gift certification and VISA present cards.

# 2. Brand Institute – Really, Model Institute is a great survey panel if your career is associated to health-related and drug industries. Nonetheless, other people today are allowed to choose its compensated surveys, but they have not lots of survey chances out there. Nicely, the superior stage is it provides some significant shelling out surveys for each member. A standard study of Brand Institute pays involving $10 and $30, and sometime it also gives some higher having to pay surveys. Minimum payout threshold is just $25 and you can request your payment to be despatched by way of PayPal.

# 3 Planet Pulse – World Pulse is operating with hundreds of groups of Asia and Center East location. A standard Earth Pulse study is wherever amongst $1 and $5. Earth Pulse runs stage system you will gain points each time you entire a study. Properly, its 100 details are equal to $1, and when you have 2500 World Pulse details, you can ask for your payment. World Pulse allows PayPal payment strategy.

# 4. SpiderMetrix – SpiderMetrix is an Australian centered paid out survey panel, but it open up for throughout the world folks. In my knowledge, its surveys are not far too long, and you can full them inside a couple minutes. Also, it has a superior referral software. You can make a lot more added income by referring your close friends and other people today to this web-site. Its minimum amount payout quantity is a little superior that is $50. And its only payment process is PayPal.

These are the major free of charge study web sites that pay back by means of PayPal, and also they are absolutely free of charge-to-join web pages. But ahead of joining any of these sites, you need to set up a individual e mail account specifically for surveys. It will assistance you to obtain and just take on-line surveys. Perfectly, by for the greatest totally free survey web page is waiting for you in the future web site. You may be shocked by being aware of that some men and women are producing additional than $1000 for each thirty day period with that finest survey website.



Resource by Alan Sahu

Authentic Approaches Of Building Income Online

Earning income online is not that tough until eventually we can obtain the specific internet sites to earn dollars online. Also there are different strategies of on-line learning options which which some are additional well known than other.

Earning Funds Crafting Article content : –

Proper now there are quite a few web pages which offer dollars for writing article content. Article content may be associated to something. Some web sites presents revenue for composing unique forms of article content and some acknowledge any varieties of content. Some websites supply details relating to the subject matter for creating the write-up. Some persons make this as a whole time small business way too.

Usually creating posts is not that straightforward task and requires a lot of observe. Article composing is a thing like a boon which can be achieved but you require to abide by some regulations and polices. This makes your content much more appealing and persons do not get bored whilst looking through.

Now coming to the payment, some web pages just after publishing content provides offer for your article content and requests whether or not you like it or not. Some websites informs the money you are likely to get before you produce articles or blog posts and some web pages presents cash according to the number of people for your article.

Earning Money Completing surveys : –

Surveys are a set of inquiries which you will need to remedy. In standard surveys are a series of thoughts for which you will need to give your opinion. Typically earning revenue by way of surveys is much more in US and Canada because much more survey web-sites are concentrated there. You require to finish your profile in which you require to fill some details like your occupation, hobbies, training position, particular details and whole lot more. Soon after completing these, you are allotted surveys which match your profile.

Commonly just about every survey may differ from $ 1 to $ 5. The additional income you get for a survey the more time it takes to full. A typical survey will be around 10 to 15 min. Generally survey web-sites deliver person payouts, ie if you receive $ 2 for a survey your paypal account will be current with that cash. But some study web sites retain a minimal payout and following achieving that least threshold you will be allotted checks.

Earn income creating evaluations : –

This is also yet another well-liked way of earning money. Right here you want to sign up with the corporations very first just before producing assessments. Normally businesses want testimonials about merchandise that are new to sector as people have to have to know about the products. Extra assessment web-sites like assessments related to pcs, mobiles, devices etcetera as they are the extra rapid moving items.

So coming to the pay back that you will be getting for every critique will be about $ 2. Some websites give incentives and some websites give both straight revenue and also incentives also. Correct now this is also a incredibly very good opportunity for earning income.

Receive Funds By Blogging : –

This is a single of the most well-liked way of earning revenue on the internet. Although this is the hardest way of earning dollars which requires much more time to generate, this is the most effective way of earning revenue. For the to start with couple months right up until your web page will get some targeted traffic you will not be getting any income from your blog. That will be a really hard time right until your web site receives some level of popularity. Once the blog will get well-known then people today can start out earning money.

Right now its challenging to discover very good weblogs due to the fact they need to have to be consistently current. Normally creating weblogs need to have some patience. As soon as the patience was misplaced its difficult to maintain the weblog. Commonly weblog homeowners, from the setting up of the website try to earn dollars given that the website has started off and if they can not receive then they unfastened interest and the website immediately dies. So, it&#39s something like a enterprise which requirements a lot more patience.

Receive Funds By Affiliate Advertising : –

Affiliates are something like a aspect of a organization and the way affiliate promoting is effective is easy. You will need to boost the solutions they give and if persons acquire people solutions from you, then you will be presented some percentage in the sale. This is 1 of the challenging firms but which can generate shower of pounds if you know the secret. Correct now on the world wide web there are pretty superior tutorials for mastering the methods. So this is also a fantastic way to get paid but correct now there is a large competitiveness to make funds like this. In this article if you are opting then you will enter into a intense levels of competition and if stand leading from the friends then you can see the total time prospect option and you can quit your position.

Generate Funds Taking part In Forums : –

This is also a element of on line consciousness options, which is getting its craze in the final couple months. Appropriate now there are several message boards which are offering income for taking part. So people are collaborating in quite a few message boards at the exact time so all the collected earnings will give you handsome total of funds. But for crafting in forums some rules should be adopted. If they are not followed then the administrator of the community forums will ban the accounts. Below if the guidelines are adopted effectively then its effortless to generate cash from these community forums. Ideal now we can gain simultaneously in a few means at the exact same time actively taking part in discussion boards.

It is confident a pretty superior aspect time and even can convert to a total time if you are to altogether devote.

So these are most prominent ways of earning dollars on-line from which earning significant revenue is attainable. Listed here take a look at this site to know far more about On the web Earning Options and also web-sites which helps you in creating dollars online



Source by Venkat Nithin Chinni

Why Paid out Surveys Is The Finest Way Of Making Dollars On-line

Creating income online – this is a person issue that everyone wants to do. But, why is anyone inclined towards building dollars on the net why not everything else? The factors are lots of but most prevalent explanations are comfort and ease of operating, doing work on own schedules, a complement to the principal revenue and previously mentioned all NO Manager.

Now, the burning issue is – can we actually do this or is it just a rip-off. The remedy is Of course you can or else there would not have been so numerous men and women chatting about it, but if everyone claims that it&#39s a fraud or its not possible then that particular particular person would not have picked the appropriate way of undertaking it.

There are many ways of making funds on line but the essential matter is deciding upon the approach which presents you the highest gain with reduced danger. But, this type of a mix is really exceptional for the reason that there is practically nothing which will come with no threat, but one particular these way of generating funds on line is via Online Paid out Surveys. You should be wanting to know that what an online compensated survey is? Most of you may possibly be informed of what are on the web paid out surveys but let me just describe about compensated surveys for individuals who are new to paid surveys.

Paid out survey web-sites are the divisions of Current market research corporations, businesses ahead of launching a products or a company would like to realize the industry trends and also want to know what is there on client&#39s thoughts – in get to do this they ship surveys and queries to people and they pay back you for your opinions and your time. How significantly can you get paid for this depends on many factors like the size of the study, your demographics and so on. Usually the payment varies among $ 1 – $ 25 for each concluded study.

By using on the internet surveys you can unquestionably make a excellent health supplement income but do not hope to become a millionaire with this. There are many organizations which claim that you can generate $ 150 / hr – this is certainly pretend and you ought to never ever rely on these kind of web-sites. These are the websites which cost you for providing an access to their databases of study companies and most of those organizations will be outdated. Rather of shelling out to these sort of companies and getting cheated you can locate totally free paid surveys of your very own with a very little research on-line. There are also numerous free of charge paid survey directories obtainable on the web which do not cost just about anything from you.

You can go by these study directories and sign up for as quite a few study websites as you can cost-free of cost, the greatest way to make most of compensated surveys is by signing up for many study sites so that you can increase your probabilities of getting survey invitations.



Resource by Pooja Mishra

Make Dollars On the net With Surveys

Earning Funds On-line can by no means be tricky if you know the simplest way. Earning income on-line with Surveys is one of the beneficial chances for house mothers, college students and section time work seekers. There is nothing unlawful in earning funds on the net with surveys. In turn, you aid the organizations a lot by giving a variety of details and by screening new items before they are unveiled into the sector.

Many companies want to know people&#39 feeling on many solutions before they are unveiled into the marketplace. In turn they spend you for screening their solutions. It is believed that additional than 150 Billion bucks is getting invested in Market place research every single yr. So there is a excellent scope for earning income on line with Surveys simply.

Numerous businesses also pay out you for observing movie trailers. They also offer you bargains discount codes, rebates, sweepstakes and a lot of much more. However nowdays lots of fake Compensated Survey Applications are popular in the Web. A great Paid Survey software earns you a lot of dollars whereas a improperly rated Study Program ends by charging you anything. Whilst there are quite a few Cost-free Compensated Study Courses, I generally do not suggest them simply because they have a lot of hidden prices and typically Spam associated.

To get paid funds on the web with surveys, you really should signal up with as quite a few Compensated Study Systems as attainable. There are much more quantity of plans you Sign up the additional variety of surveys you can respond to and, considering the fact that the far more revenue you can receive.

You just will need to be part of as lots of great Paid Surveys programs as attainable to commence earning immediately.If you are really serious about earning income on the internet with surveys then start off right now.You must constantly glance for Study plans that spend you in big amounts.As most of the surveys have the very same format, it will be quick for you to solution a lot of surveys with in a quick span of time.



Source by Harris Krim

Insurance In Tort Laws

INTRODUCTION
This project has been an eye opener for me. It is extremely relevant to the modern times and as the future of India we should understand that it is the common mass that runs the country. Consumer protection rights are an important issue in modern days. The law can be effectively used to stop any abuse of the common people especially illiterate masses who do not understand the rules and regulations which is to be followed while buying particular item. It is law, the controller of the entire society which can stop this abuse from taking place. It can place effective standards guiding a product's genuineness and the proper verification of its price. No extra taxes should be issued according to the seller's wish. I have proceeded by referring to the books written by Avtar Singh, Venkat Rao and others. It has been a wonderful and educational delight in going about this topic and making a project which is of greatest importance in the present day scenario.

DEFINITION OF CONSUMER
The words "consumer", "consumed", "consumption" is all cognate, and when one is defined, the contents of the definition go into all of them wherever they occur in the same act.
Section 2 of the act wherein 'consumer' is defined. According to him, the definition of the consumer will not take a client who engaged the advocate for professional services.
Consumer means any person who-
– Buys any goods for a consideration which has been paid or promised or partially paid and partially promised or under any system or deferred payment and includes any user of such goods other than the person who buys such goods for consideration paid or promised or partially promised or under any system of deferred payment when such use is made with the approval of the person, but does not include a person who obtains such goods for resale or for any commercial purpose
– Hires or avails of any services for a consideration which has been paid or promised or partially paid or jointly promised or under any system of deferred payment and includes any beneficial of such services other than the person who hires or avails of the services for the consideration paid or promised or partially paid or partially promised or under any system of deferred payment when such services are availed of with the approval of the first mentioned person but does not include a person who avails of such services for any commercial support

In Black's Law Dictionary it is to mean:
One who consumes. Individuals who purchase, use, maintain or dispose of products and services. A member of that broad class of people who are affected by pricing policies, financing practices, quality of goods and services, credit reporting debt collection and other trade practices for which the state and federal consumer laws are enacted.

OBJECTVES OF THE ACT
The act is dedicated, as its preamble shows, to provide for better protection of rights of consumers and for that purpose to make provisions for the establishment of consumer councils and other entities for settlement of consumer disputes and for other connected matters. In the statement of objects, reasons it is said that and the act seeks to provide speedy and simple redressal to consumer disputes. Quasi judicial body machinery has been set up at the district, state and central levels. These quasi judicial bodies have to observe the principle of natural justice and have been empowered to give relief to a specific nature and to award, where appropriate, compensation to consumers. Penalties for non compliance of orders given by quasi judicial bodies have also been provided.
The object and purpose of rendering the act is to render simple, inexpensive and speedy remedy to consumers with complaints against defective goods and deficient services and for that quasi judicial machinery has been taken to be set up at the district, state and national levels. These quasi judicial bodies are required to apply the principle of natural justice and have been empowered to give relief of specific nature and appoint wherever necessary, compensation to consumers.

INSURANCE
An operational definition of insurance is that it is
– the benefit provided by a particular kind of indemnity contract, called an insurance policy;
– that is issued by one of several types of legal entities (stock company, mutual company, reciprocal, or Lloyd's syndicate, for example), any of which may be called an insurer;
– in which the insurer promises to pay on behalf of or to indemnify another party, called a policyholder or insured;
– That protects the insured against loss caused by those perils subject to the indemnity in exchange for consideration known as an insurance premium.
The impact of insurance on the law of torts has been significant, both on theoretical level and on practice. Insurance has undermined one of the two main functions of awarding of damages, and it has in cast doubt on the value judgments made by the courts in determining which particular test of liability is appropriate in the given circumstances.
Regardless of whether in the particular circumstances the appropriate principle of liability is intent is malice, fault or strict liability, the purpose of common law damages remains the same. The primary purpose of an award of damages is to compensate the victim for his loss, with view to restoring him as near as possible to the position he would have been in but for the tort of the wrongdoer. But damages have another: by making the wrongdoer responsible for meeting an award of damages, the courts are trying to deter others from committing similar tortuous wrongs.

Insurance vitiates the secondary purpose of damages, at the same time incidentally ensuring that the primary purpose is more often achieved.
It can scarcely be realistically asserted that insured defenses are deterred by the prospect of losing no-claims bonus or increasing the premium on renewal of their policies. Once it is restricted that insurance renders compensation for the sole purpose of damages but then the tort action itself becomes vulnerable to attack, for there are many ways-some possibly fairer and administratively cheaper than tort- of compensating a victim for a loss he has suffered .
Prima facie, where a person sufferers loss of recognized kind as the result of another's act, then the latter should have to make good that loss. But for valid reasons, the courts have held that, in certain circumstances, the actor will have to compensate his victim only if he is at fault. The victim's right to compensation is, therefore curtailed in an attempt to be fair to both the parties. The courts have made a policy decision that, in the circumstances, it is right to reward a defensive who has been careful by protecting him from liability for the consequences of his actions and that, as a corollary the plaintiffiff must forego his compensation. The policy decision is made on the supposition that the wrongdoer would itself have to pay for the damages but for this protection; it by no means follows that the same decision would have made if there were no risk of the wrongdoer having to provide the compensation.

It is difficult to judge the victim's right to compensation should be curtailed when that curtailment is not justified by a corresponding benefit to the wrongdoer. The requirement of fault ceilings to play its role as the leveler between the victim's legitimate expectations and the wrongdoer's legitimate expectations, and simply makes a hurdle to the victim's progress to compensation. If it is accepted that no one can insure against liability for harm caused by intentionally to another, then similar arguments can be made by the inappropriateness of the victim's having, in certain circumstances to prove an intention to do him wrong or harm, when it is irrelevant to the wrongdoer whether he had such an intention or not.

Again the victim's right to compensation is being curtailed without any corresponding benefit to the wrongdoer.
However, insurance has affected the law of tort on a much more practical level as well. While the fact of insurance is not of itself a reason for imposing liability, there can be no doubt that it adds "a little extra tensile strength" to the chain which a wrongdoer to its responsibilities.
As well it has given new horizon to damages; it is true that traditionally it was considered to inform the court that a defendant was insured, but "those days are long past" and now it is frequently openly recognized that the defensive would be insured.

The policy of insurance constituents a contract of insurance between Life Insurance Corporation or a subsidiary of General Insurance Company of India, as the case may be, such services such has been undertaken to render under the contract of insurance. However as a rule, occasion to render services arise only when insured surrenders his policy, or the policy matures for payment or the insured dies or any other contingency which gives rise to render service occurs.
Breach of contract of insurance may give rise to a cause of action to file a civil suit, but such a breach of contract may itself determine deficiency in service, so as to give a cause of action to file a complaint under the consumer protection act for one such more relieves awardable hereunder.
Section 13 (4) of the act vests in a redressal agency powers of the Civil Court, while attempting a suit in respect of such matters as examination of witnesses on oath and production of documents. Declining to exercise jurisprudence in a case before it only because it involves examination and cross examination of facts, witnesses and production and consideration of documents would amount to abdication of its jurisprudence.

Such discretion can be exercised only when the gives rise to several issues and necessities taking of voluminous oral and documentary evidence, or otherwise involve complex questions of fact and law which can not be determined in time bound proceedings under the consumer protection act.

MOTOR VEHICLE INSURANCE
Where the sale of a vehicle is complete, the title therein passes to the purchaser notwithstanding that its name has not been recorded in the RCBook. Such owner is entitled to get his vehicle insured and also to maintain a claim on the basis of such insurance. The earlier owner, who has lost insurable insurance on the vehicle vehicle, can not advance a claim on the basis of policy of the said vehicle, earlier taken by him, on the ground that he is still the recorded owner of the said vehicle.
Section 157 of the motor vehicles act is only in respect of third party risks and provides that the certificate of insurance described therein shall be deemed to have been transferred in favor of the person to whom the motor vehicle is being transferred. It does not apply to other risks, if any, covered by the policy. If the transfere wants to avail the benefits of other risks covered by it, he has to enter into an agreement there with the investor.

FRAUD BY INSURER
If it is established that the discharge voucher was obtained by fraud, misrepresentation, undue influence or coercive bargaining or compelled by circumstances, the authority of the consumer forum may be justified in granting relief. Mere execution of the discharge voucher would not deprive the consumer of his claim in deficiency of service.

DELAY IN SETTLEMENT OF CLAIM
In Sarveshwar Rao v. National Insurance Company Ltd. , it was held that the delay of two or more years in settling the insurance claim would result in inadequacy in the quality, nature and manner of the service which the insurance company has pledged to render, and amounts to deficiency in service.
In Delkon India Pvt. Ltd. V. The Oriental Insurance Company Ltd. . The National Commission has held that it was a deficiency of service to have delayed the claim by two years on the ground that the final police report was not coming.

INTERPRETATION OF TERMS

In Skandia Insurance Company v. Kokilaben Chandravadan, the honorable Supreme Court ruled that the exclusion terms of the insurance must be read with so as to serve the main purpose of the policy, which is to indemnify the damages caused to the vehicle.

CONDUCT OF THE INSURER
In Oriental Insurance Co. Ltd. V. Mayur Restaurant and bar, the conduct of the insurer was under question. The commission held that deficiency of the service was established on the part of the opposition party on two counts i (delay in settlement of claims and ii) unreasonable and untainable reasons for repudiating the claim of the complainant, and the compensation with the interest and cost was awarded.

SUICIDE BY THE ASSURED
In Life Insurance Corporation v Dharma Vir Anand, the national commission refused to hold the insurance commission liable as the insured committed sued before the expiration of three years from the date of the policy.

BREACH OF TERMS
In BVNagarjuna v Oriental Insurance Company Ltd., the terms of insurance contract authorized the insured vehicle to carry six passengers at a time but the driver allowed two more persons to get in. It was held that surely adding two more persons without the knowledge of the driver did not amount to indemnification by the insurance company.

NOMINEE'S RIGHTS
In Jagdish Prakash Dagar v. Life Insurance Corporation, it was held that a nominee under a policy of life insurance will be a consumer within the meaning of section 2 (1) (d) of the Consumer Protection Act. The commission held that the nominee could legislatively maintain an action against deficiency raised in service by the arbitrary decision of the insurer.

REPUDIATION
Repudiation is defined as the renunciation of a contract (which holds a repudiate liable to be sued for breach of contract, and entitles the repudiatee on accepting the repudiation to treat the contract as at an end
This concept of repudiation is needed in the concept of insurance. The concept of repudiation will be dealing hereto a number of times and to provide beneficial evidence, the definition has been given.
Unilateral repudiation of its liability, under the contact of the life insurance corporation or an insurance company does not, by itself provide the jurisdiction of a redressal agency, to go into the sustainability of such repudiation, on facts and in law and to decide and to adjudicate if, in the facts of the case, it amounts to deficiency in service or unfair trade practice, and if so, to award to the aggrieved person, such relief or reliefs under Section 14 (1) of the said act as he or she is entitled to. The fact that before such repudiation obtained a report from a surveyor or surveyors also does not oust the jurisprudence of a redressal agents to the merits of such repudiation, for otherwise in each case the corporation or such company, and aggravated the aggrieved person of the cheap and expeditious remedy under the consumer protection act.
Where, however the corporation or the company conducts thorough investigations into the facts which have given rise to claim and other associated facts, and repudiates the claims in good faith after exercise with due care and proper application of the mind, the redressal agency should decline to go into the merits of such repudiation and leave the aggrieved person to resort to the regular remedy of a suit in a civil court.
The law does not require the life insurance corporation or an insurance company to accept every claim good or bad, true or false, but it does require the corporation or the company to make a thorough investigation into such claim and to take decisions on it, in good faith, after exercise of due care and proper application of mind and where it does so it renders the service required by it and can not be charged with deficiencies in service, even if, in the ultimate analysis, such decisions is wrong on the facts and in law and the redressal agency would be disinclined to substitute its own jurisdiction in the place of the jurisdiction of the corporation or insurance company.
The question as to whether repudiation of its liability does or does not amount to deficiency in service would depend upon the facts of each case.
Where a cheque sent towards a premium is dishonored by the drawee bank and consequentially the policy is canceled or it lapses or the injured dies before the proposal is accepted and contract of insurance results, no claim can be incorporated in such a policy, which was canceled Egypt has since lapsed, or a contract of insurance, which did not materialize at all. Repudiation of such claim can never amount to deficiency in service.
Insurance agent is not entitled to collect premium on behalf of the corporation. Where an insured issues a bearer cheque towards premium and hands it over the insurance agent who encases it, but does not deposit the premium with the corporation event toill the expiration of the grace period and consequentially the policy lapses and meanwhile the insured also dies, his nominee has to blame himself or herself for the indiscretion of the insured and can not blame or fault the corporation.

BASIC PRINCIPLES OF INSURANCE

There are some basic principles concerning the topic of Consumer Protection Law and Insurance.
– Settlement of insurance claim is service, default or negligence therein is deficiency of that service
In the case of Shri Umedilal Agarwal v. United India Assurance Co. Ltd, the National Commission observed as under:
"We find no merit in the contention put forward by the insurance company that a complaint relating to the failure on the part of the insurer to the settle the claim of the insured within a reasonable time and the prayer for the grant of compensation in respect of such delay will not within the jurisdiction of the redressal forums instituted under the consumer protection act.

The provision of facilities in connection with insurance has been specifically included within the scope of the expression "service" by the definition of the said word contained in section 2 (i) (o) of the act. Our attention was invited by Mr. Malhotra, learned counsel for the insurance company to the decision of the Queen's Bench in national transit co. ltd. V. customs and central excise commissioners. The observations contained in the said sentence relating to the scope of the expression insurance occurring in the schedule of the enactment referred to therein are of no assistance to all of us in this case because the context in which that expression is used in the English enactment considered in that case is completely different. Having regard to the philosophy of the consumer protection act and its avowed object of providing cheap and speedy redressal to customers affected by the failure on the part of persons providing service for a consideration, we do not find it possible to hold that the settlement of insurance claims will not be covered by the expression insurance occurring in section 2 (1) (d). Whereever there is a fault of negligence that will determine a deficiency in the service on the part of the insurance company and it will perfectly open to the concerned aggrieved customer to approach the Redressal Forums under the act seeking appropriate relief. "

– LIC Agent has no authority in collecting the premium
The supreme court held that under regulation 8 (4) of life insurance corporation of India (agents) regulation, 1972 which had acquired the status of life insurance corporation agents rules with effect from January 31, 1981, which were also published in the gazette, LIC agents were specifically banned from collecting premium on behalf of LIC and that in view thereof an inference of implied authority can not also be raised.

– Rejection of claim as false after full investigation
The national commission held as follows:
"from the facts disclosed by the record and specifically balances contained in the consumer affidavit filed by the first respondent it is seen that the insurance company had fully investigated into the claims put forward by the complainant that his claim was rejected. case where the insurance company did not take a prompt and immediate option for ruling the claims against the insurance company. be adjudicated before a civil court where the complainant as well as the respondent will have ample opportunities to examine witnesses at length, take out the commission for local inspections etc. and have an arbitration trial of the case. "

– Unilateral reduction in the insurance amount.
The national commission held that the insurance company is not entitled to make a unilateral reduction of Rs. 4, 29,771 from Rs. 30, 12,549 at which its own surveyor assessed the loss.

– Mere repudiation does not render the complaint not maintained.
The national commission overruled the objection of the insurance company that specifically because the insurer had totally repudiated its liability in respect of the claim, no proceedings could possibly be initiated by the insured under the consumer protection act.

– Mere unilateral repudiation does not oust the jurisprudence.
The national commission held that purely because the insurer has repudiated the insurance claim under the policy unilaterally, it is difficult to hold that the various redressal forums instituted under the consumer protection act, 1986 will have no jurisdiction to deal with the matter that if such a contention of the insurance company can get a report from the surveyors, repudiate the claim and oust the jurisdiction of the redressal forums, that the redressal forums are, therefore, bound to see whether or not the repudiation was made in good faith on valid and justifiable grounds that if the surveyor or surveyors choose to submit the wrong report and the insurance company repudiates the claims without applying its mind then the repudiation can not be said to be justified that the report of the surveyor will show that the investigations have been proper, fair and despite and that it has to be remembered that the surveyors bread comes from the employer.

– Mere unilateral repudiation no ground to oust jurisdiction.
The national commission repelled the objection and observed as under:
"Ordinarily a remedy is available to a consumer in Civil Court but mere repudiation of claim arising out of policy of insurance under section 45 of the insurance act, 1938, can not take away the jurisdiction of the redressal forum under the act. of the act is to provide cheap, speedy and efficient remedy to the consumers and it is with this object that section 3 of the act lies down as follows:
3. Act not in derogation of the provisions of any other law: – the provisions of this act shall be in addition to and not in derogation of the provisions of any other law for the time being in force. "
The national commission overruled the objection in the view of repudiation of contract of insurance by the corporation; the redressal agencies under the act can not entertain the claim of the insured and reiterated the law laid down by it in the Divisional Manager, Life insurance Corporation of India, Andhra Pradesh v. Shri Bhavnam Srinivas Reddy.

– Removal of insured goods on attachment no theft.
It was ruled in the stated case that attachment of certain items of insured Machinery and Goods by the bailiff of a civil court, although later found to be illegal and consequent removal did not amount to theft and or house breaking by force so as to entitle the insured to prefer a claim under the policy.

– When repudiation amounts to deficiency and when it does not?
The national has held:
In M / s Rajdeep Leasing and Finance and others v. New India Assurance Company Limited and others –
That rejection of the claim by the insurance company after examining and considering the two separate survey reports from qualified surveyors and three legal opinions from different oriental counsels could not be said to sentence a deficiency in service so as to give a rise in the cause of action for a complaint under the consumer protection act.
In Oriental Insurance Co. Ltd. V Modern Industries Ltd. , the national commission has held that where the cover note inter alia mentions that the risk is subject to the usual terms and conditions of the standard policy, it is equally the responsibility of the complainant to call for these terms and conditions even if they are not sent by the insurance company, as alleged, to understand the amount of risk covered under the policy and associated aspects.

In Life Insurance Corporation of India v. Dr. Sampooran Singh
The complainant had taken out an insurance policy of 40,000 rupees in 1982, for the purpose of payment of estate duty on his only residential house in chandigarh in the event of his death and paid 5 premia, but with the abolition of estate duty on one residential house owner in 1985, the policy became inoperative due to the act of the state and not due to any deficiency on the part of the corporation any dispute between the parties as to the amount payable there under can not be construed as deficiency in service on part of the corporation.

In LIC of India v M / s Kanchan Murlidhar Akkalwar
The complainant applied to the opposition party for housing loan, and on the advice of the latter, she took two LIC policies, one for Rs. 90000 and the other for Rs. 20000 entered into an agreement for the purchase of the house with the house with the owner on the advice of the opposition party obtained a fire policy for Rs. 2 lakhs. The opposition party advised the complainant to obtain a release deed from the zilla parishad co operative society in respect of the she proposed to purchase with a certificate that the said plot is not mortgaged therein. The complainant got a certificate from the Maharashtra government that the vendor had re paid the housing loan and interest thereon due to Zilla Parishad Krishi Karmachari Sehakari Gribe Narman Sanstha and that there was nothing outstanding from him towards loan amount or interest. Still the opposition party did not release the loan. On these facts the national commission by its major jurisdiction observed that:
"We have carefully gone through the records and heard the counsel. Clause 1 (c) of the loan offer letter clearly states that the advance of the loan is subject to the property being free from encumbrances to the satisfaction of the insurance company and a good and marketable title. At the same time it appeared that the respondent-complainant had to go through a number of steps, although necessary, having financial implications and causing mental and physical stress to her and at the end of all of which she was told that no dues certificate given by the maharashtra government in respect of the prospective seller of the property in question, was not "release of mortgage" certificate that was obtained. loan under similar circumstances. "So the evasion petition is dismissed of as above."

CONCLUSION
This project topic is increasingly beneficial in the modern times with the consumer protection rights being redressed with due care. It is being advertised in the mass media in our country. The slogan which our consumer is using is: "JAGO GRAHAK JAGO". The time has come to realize the ideal market situation in which the buyers are not persuaded or coerced falsely into buying items which are of no use to them at all. Beside the relationship between buyer and seller should not be damaged at any cost. The relationship between the buyer and seller is said to be a fiduciary relationship and the trust between them should remain intact. A time has come in which the customer should get his proper position in the market conditions. He has to have proper knowledge about what is going on in the market and the concerned prices and the supply and the different other practices referred to.
Insurance is a very sensitive issue in the modern times. People are being hoodwinked into signing up in companies which are turning out to be frauds in the true sense of the term. This project has been an eye opener to me and I have come to realize the importance of the consumer protection act and insurance.



Source by Barnik Ghosh