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    Question

    Under the Bharatiya Nyaya Sanhita, 2023, what is the

    punishment for intentionally causing damage to insured property to claim insurance money?
    A Fine only Correct Answer Incorrect Answer
    B Imprisonment up to 3 years or fine Correct Answer Incorrect Answer
    C Imprisonment up to 7 years and fine Correct Answer Incorrect Answer
    D Imprisonment for life Correct Answer Incorrect Answer
    E No punishment if damage is accidental Correct Answer Incorrect Answer

    Solution

    Deliberately damaging insured property to claim insurance benefits falls under criminal mischief with fraudulent intent, punishable under Section 100 (offences relating to property damage with intent to defraud) of the Bharatiya Nyaya Sanhita, 2023. • The offence attracts rigorous imprisonment up to 7 years and fine. • It aims to prevent insurance fraud, protecting insurers and honest policyholders. • Accidental damage without fraudulent intent is not punishable under this section. This provision strengthens legal deterrents against arson, sabotage, or other damage caused for wrongful insurance claims.

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