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Motor vehicle insurance claim..

(Querist) 22 March 2012 This query is : Open 
I have bought a car. while going on to batala, i met with an accident. the car was driven by my brother-in-law. After the accident we both got injured and refer to the hospital. Meanwhile FIR been lodged and insurance company has been informed for the said accident. we have a total loss of 6lacs rupees. But the insurance surveyer has prepared a report for only 3lacs rupees. i filed a complaint in consumer forum. They took the plea that at the time of isuing the license by the appropriate authority my brother in law has not completed the age of 18 years, so they repudiated my claimon this ground. but before this they have already paid two claims to my brother in law and now they demanded the same to be refunded. But i have a document from the motor vehicle authority which proves that i have a genuine license.
1. how did i prove my case.
2. Is there any SC or National Commision judgement on this issue.


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