State Consumer Disputes Redressal Commission
Rauji Ashvinkumar Indrasinhji vs Iffco Tokio Gen Ins Co.Ltd on 28 February, 2023
S[; O[\;, TFZLB o Z(q_ZqZ_Z# S[; NFB, YIF TFZLBo _&q!_qZ_ZZ lGSF,GF lNJ;M o __ JQF"4 _$ DF;4 ZZ lNJ;
U|FCS TSZFZ lGJFZ6 SlDXG4 U]HZFT ZFHI4 VDNFJFN
SM8" G\P!
VFZP5LP G\P$_qZ_ZZ
VZHNFZ o ZFp,HL VxJlGS]DFZ .gN=l;\CHL
ZC[P 0Lq!_!4 zLHL lJ,F Z[;L0[g;L4
5ZLJFZ RFZ Z:TF4 J0MNZFP
lJZ]wW
;FDFJF/F o !P .OSM 8MSLIM HGZ, .g:I]Zg; S\5GL ,LP
9[P .:SMG lA<0L\U4 KF6L ZM04 J0MNZFP
ZP ZFH5L5/F GFUZLS ;CSFZL A[\S ,LP
9[P :8[XG ZM04 ZFH5L5/FP
SMZD o DFPH:8L; zL JLP5LP58[,4 5|D]BzL
;]PzL VR"GFA[G ;LPZFJ,4;eIzL
V[0JMS[8 o VZHNFZ TZO[ o HFT[
ZL:5Mg0g8 G\P! TZO[ o zL VFZP5LPZFJ,
ZL:5Mg0g8 G\PZ TZO[ o zL 5LPV[PHF0[HF
C]SD ov ;]PzL VR"GFA[G ;LPZFJ,4 ;eIzL DFZOT[
!P VZHNFZ[ CF,GL ZLJLhG 5L8LXG SghI]DZ 5|M8[SXG V[S8GL S,Dv$*s!fsALf D]HA
lJP J0MNZF HL<,F U|FCS TSZFZ lGJFZ6 SlDXGsD]bIf4 D]PJ0MNZFGFV[ U|FCS OZLIFN G\P**qZ_ZZGF SFD[ TFPZ*q_)qZ_ZZGF ZMH VF\Sv$GL VZHL ,UT SZ[, C]SDGL GFZFH Y. SZ[, K[P !P! VZHNFZ[[ VF\Sv$ C[9/ VZHL SZL VZHNFZ H[ DL,ST WZFJ[ K[ T[GL p5Z ,LW[, ,MGGF C%TF EZJF DF8[ ;FDFJF/F G\PZ SM. D\FU6L SZ[ GCL T[ DF8[ OZLIFNGF VFBZL lGSF, ;]WL JRUF/FGM DGF. C]SD D[/JJF DF8[ CF,GL ZLJLhG 5L8LXGDF\ NFN DF\U[, K[P !PZ 50SFZ[, C]SD o lJP J0MNZF lH<,F U|FCS TSZFZ lGJFZ6 SlDXG4 J0MNZF wJFZF GLR[ D]HA C]SD SZJFDF\ VFJ[, K[P ccs!f VZHNFZGL VZHL ZN SZJFDF\ VFJ[ K[P BR" V\U[ SM. C]SD SZJFDF\ VFJTM GYLPcc H.K.RATHOD RP-40-2022 Page 1 of 4 ZP VZHLGL 8]\SL CSLST o VZHNFZGL OZLIFN VZHLGL 8]\SDF\ CSLSTM V[JL K[ S[4 OZLIFNLV[ T[VMGF ZFH5L5/F D]SFD[ RF{Z;LIF JF0L 5F;[4 GJF5]ZFGF ;J[" G\P!**q_!4 JM0"
G\P_54 3Z G\P$( TFZ6DF\ D]SL ;FDFJF/F G\PZ A[gSDF\YL TFP_*q!_qZ_!) GF ZMH Z]FP)4*54___qvGL ,MG ,LW[,LP H[GM JLDM ;FDFJF/F G\P! JLDF S\5GL 5F;[YL TFP!&q&qZ_Z_ YL TFP!5q_&qZ_#_ ;]WLGM Z]FP!&4$Z4___qvGM ,LW[,MP VZHNFZGF H6FjIF D]HA TFZ6DF\ D]S[, DSFG TFPZ5q_)qZ_Z! GF ZMH EFZ[ JZ;FN VG[ 5}Z VFJJFGF SFZ6[ 50L UI[,P T[YL OZLIFNLV[ ;FDFJF/F JLDF S\5GL ;D1F S,[.D GM\WFJ[,P ;FDFJF/F JLDF S\5GLV[ TFP5q!_qZ_Z!GF S,[.D GFD\H}ZL 5+DF\ H6FjIF D]HA DSFGGL V[S AFH]GL lNJF, JZ;FNGF 5F6LGF SFZ6[ HH"ZLT CMJFYL T}8L UI[, CM. OZLIFNL JLDF 5M,L;L C[9/ SM.56 HFTG]\ J/TZ D[/JJF CSNFZ YTF GYLP T[YL OZLIFNLV[ lJP HL<,F SlDXG ;D1F OZLIFN NFB, SZ[,LP H[DF\ VF\Sv$GL VZHL SZL VZHNFZ H[ DL,ST WZFJ[ K[ T[GL p5Z ,LW[, ,MGGF C%TF EZJF DF8[ ;FDFJF/F G\PZ SM. D\FU6L SZ[ GCL T[ DF8[ OZLIFNGF VFBZL lGSF, ;]WL JRUF/FGM DGF. C]SD D[/JJF DF8[ CF,GL ZLJLhG 5L8LXG SZL NFN D\FU[, K[P $P VZHNFZ HFT[ CFHZ K[P T[VMG[ ;F\E?IFP T[VMV[ ZH] SZ[, ,[lBT N,L,M wIFG[ ,LWLP ;FDFJF/FVMG[ GM8L; SZJFDF\ VFJ[, K[P $P! VZHNFZ TZO[ N,L, o VZHNFZ[ ,[lBT N,L,M ZH] SZ[, K[P T[DF\ T[VMV[ H6FjI]\ K[ S[4 A[\SGL E},GF SFZ6[ T[VMG[ 5FZFJFZ G]SXFG YI[, K[P A[\S TZO[ SM.56 S]NZTL VFOTqG]SXFG ;FD[ JLDM ,LWM CMT TM VZHNFZG[ ;CG SZJFG]\ G VFJT VG[ T[VM k6 D]ST Y. UIF CMTP 5Z\T] A[gS[ cc VFUcc ;FD[GF HMBDGM JLDM ,LW[, K[P T[YL JLDF S\5GLV[ J/TZ R]SJ[, GYLP JW]DF\ VZHNFZ H6FJ[ K[ S[4 A[gSDF T[VMG]\ BFT] V[GP5LPV[P K[P T[ SFZ6M;Z A[gS TZO[ T[VM lJZ]wW AM0" VMO GMDLGLhDF\ NFJM NFB, SZJFGL WDSL VF5JFDF\ VFJ[ K[P T[YL A[\S VZHNFZ 5F;[YL GLS/TF GF6F\ V[S ;FD8F DF\U[ GCL\ T[DH 59F6L p3ZF6L SZ[ GCL\ S[ VgI SM. SM8"DF\ NFJFN]JL SZ[ GCL\ T[ DF8[ lJP HL<,F SlDXG ;D1F RF,TL ;LP;LP G\P**qZ_ZZGF VFBZL lGSF, ;]WL JRUF/FGM DGF. C]SD VF5JF lJG\TL SZL K[P 5P ;FDFJF/F G\P ! TZO[ lJP JSL, zL VFZP5LPZFJ, TYF ;FDFJF/F G\PZ TZO[ lJP JSL, zL 5LPV[P HF0[HF TZO[ JSL,FT5+ ZH] YI[, K[P S[;GF U]6NMQF o &P OZLIFNLGL D}/ OZLIFN G\P**qZ_ZZ S[ H[ lJP HL<,F SlDXG4 J0MNZF ;D1F 5[g0L\U K[P H[GL D]bI NFN ;FDFJF/F G\P! JLDF S\5GLGL lJZ]wWDF\ K[ VG[ ZL:5Mg0g8 G\PZ ZFH5L5/F GFUZLS ;CSFZL A[\S ,LPG[ 51FSFZ AGFJJFDF\ VFjIF K[P ;NZC] 5|M;L0L\u;DF\ ZL:5Mg0g8 G\PZ A[gS wJFZF ,[JFDF\ VFJ[, 5M,L;L H[ ZL:5Mg0g8 G\P!GFV[ .:I] SZL CTL T[ V\TU"T OZLIFNLGM S,[.D GSFZTF OZLIFNG]\ SFZ6 pt5GG YI[, K[P H.K.RATHOD RP-40-2022 Page 2 of 4 *P p5ZMST OZLIFNDF\ OZLIFNLV[ VF\Sv$ YL VZHL VF5LG[ ZL:5Mg0g8 G\PZ A[gS AFSL ,MGGF AFSL C%TFGL J;],FT NFJM RF,L HTF ;]WL G SZ[ T[ 5|SFZ NFN DF\UL K[P VF\Sv$ GL VZHL GLR[ lJP HL<,F SlDXG[ VZHL ZN SZTM C]SD SIM" K[P T[ V+[GF SlDXG ;D1F OZLIFNLV[ 5|:T]T ZLJLhG V[%,LS[XGYL 50SFZ[, K[P 5|:T]T VZHLDF\ OZLIFNL HFT[ CFHZ YI[,F K[ VG[ 5MTFGL ,[lBT N,L,M VF5L K[P T[DF\ T[VMV[ H6FjI]\ K[ S[4 cc A[gS VDFZL 5F;[YL GLS/TF\ GF6F V[S ;FD8F V[S H ;DI[ DFUL XS[ GCL\ T[JM gIFIL C]SD OZDFJJF VZH K[ TYF A[\S VDFZL 5F;[ GLS/TF\ C%TFGF GF6F\ VYJF ;\5}6" ,MGGL 5]Z[5]ZL ZSD J;], D[/JJF AFAT[ 59F6L TFtSF,LS p3ZF6L G SZ[ VG[ T[JL AFATGM VgI SM8" S[ AM0" VMO GMDLGLDF\ S[; NFB, G SZ[ T[JM VF5zL wJFZF GLR,L J0MNZF D]SFD[ HL<,F U|FCS TSZFZ lGJFZ6 OMZD J0MNZFGF ;LP;LP G\P**qZZ S[;GM VFBZL C]SD VFJTF\ ;]WL VF5zL TZOYL VDMG[ DwI:YL ZFCT VF5JFGM gIFIL C]SD U]HFZJF VDMV[ VF gIFIL VZH U]HFZ[, K[Pcc (P V[ GM\WJ]\ HZ]ZL K[ S[4 OZLIFNLV[ A[gS 5F;[YL ,LW[, ,MG S[ T[G[ ,UTL TSZFZ lJP HL<,F SlDXG4 J0MNZF ;D1F OF., YI[, ;LP;LP G\P**qZZGL lJQFI J:T]GM EFU GYLP OZLIFNLV[ A[gS 5F;[YL ,LW[, ,MGGL J;],FT A[gS T[GF A[gSL\U Z]<; VG[ Z[uI],[XG D]HA lGIDMG];FZ SZTL CMI K[P T[YL A[gS ;FY[GF SZFZGL XZTM lJZ]wW H. XSFI GCL\P OZLIFNLV[ ,MG ,[TL JBT[ SZFZGL XZTMG[ 50SFZ[, GYLP T[ ;\HMUMDF\ HM SM. VlGIDLTTF OZLIFNLG[ ,FU[ TM T[6[ A[gSGF T[ 5U,F\G[ H[ T[ IMuI CS]DT WZFJTF ;tTFlWSFZLzL S[ SM8" ;D1F H.G[ SFI"JFCL SZJL HM.V[P ;FDFJF/F A[gS lJPHL<,F SlDXG ;D1F 51FSFZ CMJF DF+YL T[GL ;FD[ SM.56 lJQFIJ:T] V\TU"T NFN DF\UL XSFI GCL\ T[DH A[gS HIFZ[ A[gSL\U SFINF VG[ lGIDMG];FZ GF6F\GL J;],FT DF8[ 5U,F\ ,[ TM T[GL ;FD[ DGF. C]SD VF5L XSFI GCL\P )P OZLIFNLV[ JW]DF\ ,[lBT N,L,DF\ H6FjI]\ K[ S[4 OZLIFNL A[gSGF ,[6F\ TFtSF,LS A[gSG[
5|YD EZ5F. Y. HFI T[JL SFI"JFCL SZJF T{IFZ K[4 5Z\T] HM A[gS AM0" VMO GMDLGL S[ VgI OMZD ;D1F OZLIFNL ;FD[ A[gSGF ,[6F\ J;],JF DF8[ SFI"JFCL SZX[ TM T[DG[ DL,STGF J[RF6DF\ V0R6 pEL YX[ VG[ T[DG[ JWFZ[ 50T]\ 5FZFJFZ G]SXFG YX[P T[YL ;FDFJF/F G\PZ T[DGF GF6F\ TFtSF,LS V[S ;FD8F V[S H ;DI[ J;],FT DF8[ T[VMGL lJZ]wW S[; NFB, G SZ[ T[JL ZFCT VF5JF lJG\TL SZL K[P OZLIFNL p5ZMST SYG wJFZF A[gS SFIN[;Z ZLT[ ,MGGF GF6F\ J;],JF DF8[ CSNFZ CMJFGL AFAT :JLSFZ[ K[ VG[ T[ R}SJJF DF8[GL T[D6[ T{IFZ ATFJL K[P HIFZ[ A[gS SFIN[;Z ZLT[ SM. SFI"JFCL SZTL CMI tIFZ[ T[JF ;\HMUMDF\ V+[ SlDXG TZOYL VFJM SM. DGF. C]SD VF5L XSFI GCL\P !_P VF SlDXG[ VZHNFZGL OZLIFN4 ZLJLhG VZHLDF\ H6FJ[, SFZ6M4 0L:8=LS8 SlDXGGF C]SDDF\ H6FJ[, SFZ6M4 ZH] YI[, N:TFJ[HL 5]ZFJF4 SFINFSLI HMUJF.4 VZHNFZGL ,[lBT N,L,M TYF ZH]VFT T[DH S[;GF ;\HMUM VG[ CSLSTM wIFGDF\ ,LWL K[P H.K.RATHOD RP-40-2022 Page 3 of 4 VF SlDXG V[JF TFZ6 p5Z VFJ[ K[4 lJP HL<,F SlDXGGM C]SD IMuI4 jIFHAL VG[ SFIN[;ZGM K[P C:T1F[5G[ 5F+ GYLP T[YL CF,GL ZLJLhG VZHL ZN YJF5F+ K[P gIFIGF lCTDF\ GLR[ D]HA C]SD SZJFDF\ VFJ[ K[P C]SD s!f VZHNFZGL ZLJLhG 5L8LXG G\P$_qZ_ZZ ZN SZJFDF\ VFJ[ K[P sZf lJP J0MNZF lH<,F U|FCS TSZFZ lGJFZ6 SlDXGf4 J0MNZFGFV[ ;LP;LP G\P**qZ_ZZGF SFD[ TFPZ*q_)qZ_ZZGF ZMH VF\Sv$ C[9/ SZ[, C]SD IYFJT ZFBJFDF\ VFJ[ K[P s#f BR" V\U[ SM. C]SD SZJFDF\ VFJTM GYLP s$f VF C]SDGL ;8L"OF.0 GS, AgG[ 51FSFZMG[ lJGFD}<I[ DMS,L VF5JLP s5f ZHL:8=LG[ V[JL ;]RGF VF5JFDF\ VFJ[ K[ S[ lJP J0MNZF lH<,F U|FCS TSZFZ lGJFZ6 SlDXG4 J0MNZFG[ VF C]SDGL GS, 5LP0LPV[OP OMD["8DF\ .vD[.,YL HZ]ZL SFI"JFCL SZJF DF8[ DMS,L VF5JLP VFH ZMH TFPZ(q_ZqZ_Z#GF ZMH R]SFNM B]<,L VNF,TDF\ HFC[Z SIM"P s;]PzL VR"GFA[G ;LPZFJ,f sDFP H:8L;zL JLP5LP58[,f ;eIzL 5|D]BzL H.K.RATHOD RP-40-2022 Page 4 of 4