the circumstances which give rise to a very clear presumption of acceptance of the policy by the insurer in this case at hand. The insurance contract being a 4 (2018) 3 SCC 653 C.A. No.270 of 2012 Page 15 of 35contract of utmost good faith, is a two-way door. The standards of conduct as expected under the utmost good faith obligation should be met by either party to such contract.” 16. Paragraph 11 of the decision in D. Srinivas case (supra) would reveal that the afore-quoted recital was made thereunder after considering the decision in Raja Vasireddy Komalavalli Kamba case (supra). In short, the decision in D. Srinivas case (supra) would obligate us to consider whether the circumstances obtained in this case give rise to a very clear presumption of acceptance of the policy by the insurer instead of merely giving imprimatur to the impugned order of NCDRC on the ground that it was rendered relying on the decision in Raja Vasireddy Komalavalli Kamba’s case. In this context, it is only