A car owner's Rs 20 lakh claim for a totaled BMW has been upheld by the Punjab State Consumer Disputes Redressal Commission. Bajaj Allianz General Insurance's appeal was dismissed, with the commission ruling their forensic report unreliable. The insurer had denied the claim, stating the damage didn't match the accident account, but the commission found the owner's version credible, citing evidence from the insurer's own investigator.