Maheep Gupta, held United India Insurance Company Ltd. liable for short payment of an insurance claim after finding that the surveyor had wrongly applied under-insurance deductions to the Furniture, Fixtures & Fittings (FFF) and the Testing Machine. Facts:The complainant, M/s Lala Enterprises and Hemkunt Sale & Services, alleged that it had suffered an insurance loss of approximately ₹16.50 lakh, but United India Insurance Company paid only ₹7,28,017 based on the surveyor's assessment. The complainant argued that the incident was a total loss, and therefore under-insurance should not have been applied. Observation and decision:The Commission agreed that under-insurance would not apply in a genuine case of total loss, but examined whether the individual items actually constituted total or partial loss. 481 OF 2015Case Title: M/S LALA ENTERPRISES V/S UNITED INDIA INSURANCE COMPANY LTD.