2. The case of prosecution is that on 12.07.2014 at 21:00 hours, the complainant Mannepalli Ajay Kumar, S/o. Late Koteswara Rao – Unofficial respondent herein, Private employee, resident of Srinivasanagar, Khammam, lodged a complaint, alleging that in the year 2013, he purchased a Hyundai i20 Sports model car bearing No.AP 28 DR 8997 and paid vehicle insurance for the year 2013-2014 and he has to renew his insurance policy for the year 2014. On 06.01.2014, he called one Kommera Ravi Kumar, Vehicle Insurance Agent to his house for payment of Insurance amount, accordingly at 10:00 AM, the said agent came to his house and asked him to pay Rs.23,500/- for renewal of the policy, upon which initially he paid Rs.1500/-, later the agent asked him about balance amount of Rs.22,000/- and on 13.01.2014, when the complainant was at Hyderabad, deposited Rs.22,000/- to the credit of account bearing No.06311140000664 of the agent and on the same date, the agent sent a cover note on the name of Royal Sundaram Insurance company to him through e-mail mentioning that the effective date and commencement of date of insurance is from 13.01.2014 at 09:00 AM to 12.01.2015 midnight. Unfortunately, on 22.02.2014, while the complainant was returning from Hyderabad to Khammam, on the way his car met with an accident and sustained damage. Later, he returned to Khammam and narrated about the accident to the insurance agent Ravi Kumar and shown the photographs of the scene of accident, which were taken with his cell phone, thereby the agent promised him to cover Insurance policy and collected an amount of Rs.35,000/- and taken signatures of the petitioner on the Insurance policy bond, but the said agent Ravi Kumar could not pay the Insurance premium before
