CIVIL APPEAL NO
The appellant failed to prove permanent disability as required by the loan agreement's insurance clause, specifically lacking a medical underwriting evidencing such disability. The documentary evidence submitted did not meet the contractual or legal threshold for permanent disability, and thus the appellant was not entitled to indemnification. The absence of an insurance policy document between the respondent and an insurance company was not determinative; the key issue was proof of permanent disability.
Source excerpt
- Loan agreements
- Insurance indemnity
- Permanent disability
- Burden of proof