Subject :  Whether sitting of one extra person in the truck comes under violation of limitations as to use

Question :  Dear Sir, My truck was covered under comprehensive policy with Sri Ram General Insurance Co. Ltd. & this truck met with accident last year. Apart from Driver & Cleaner[helper], one more person was in the truck i.e total three persons were in the truck which was mentioned in the police report. Also the cleaner / helper died in this accident. Sir, My OD Claim has been repudiated by saying that one extra person was travelling in the truck & this is the violation of ‘ LIMITATIONS AS TO USE’. Sir, As such I want to know whether sitting of one more person comes under the [violation of limitations as to use] & whether the decision taken by insurer is right or wrong. Regards, Suresh Kumar , Rohtak[ Haryana]