Radheshyam Vaishnav owned a truck. When his previous policy was due to expire, he approached L&T General Insurance on August 11, 2013, for insuring the vehicle. The insurer inspected the truck on August 17, 2013, and accepted the premium of Rs 33,000 the same day. It also issued a proposal form which Vaishnav filled up and submitted the following day. Vaishnav was told that the policy would be prepared during the day and that he could use the truck from August 19.
On August 19, when Vaishnav asked for the insurance policy, he was told that it would take two days