State Consumer Disputes Redressal Commission
Smt. Phoolbati Bai vs Liberty Videocon General Insurance ... on 9 June, 2016
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh vkj- ds- Hkkoukuh] vf/koDrkA mRrjoknh dzekad&1 dh vksj ls Jh ,u- ds- Bkdqj] vf/koDrkA mRrjoknh dzekad&2 ,oa 3 dh vksj ls Jh ,l- ih- vxzoky] vf/koDrkA vkns'k fnukad% 09@06@2016 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykfFkZuh@ifjokfnuh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ // 2 // ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&2015@276 Jherh Qwyerh ckbZ fo:} fycVhZ fofM;ksdkWu tujy ba';ksjsal daiuh fyfeVsM ,oa nks vU; esa ikfjr vkns'k fnukad&13-01-2016 ftlds }kjk vihykfFkZuh@ifjokfnuh ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k gSA 02- ftyk Qksje ds le{k vihykfFkZuh@ifjokfnuh dk ifjokn laf{kIr esa bl izdkj jgk gS fd vihykfFkZuh@ifjokfnuh ds ifr Lo- fcns'kh jke dk mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls chek ikWfylh fdlku dzsfMV dkMZ /kkjh vYidkyhu cpr [kkrk lkewfgd O;fDrxr nq?kZVuk fgrykHk chek ikWfylh mRrjoknh dz-1@vukosnd dz-1 ds }kjk fd;k x;k Fkk ftldk ikWfylh dzekad&4112&200501&13&5000016&00&000 gSA mDr chek ikWfylh ds vuqlkj chek /kkjd dh vkdfLed e`R;q gksus ij mlds vkfJr@ukfeuh dks 5]00]000@&¼ikpa yk[k :Ik;s½ chek/ku izkIr gksrk gS tks fd vihykfFkZuh@ifjokfnuh dks izkIr gksuk gSA vihykfFkZuh@ifjokfnuh ds ifr Lo- fcns'kh jke vk- fc'ky flag jkt feL=h dk dk;Z djrk FkkA ?kVuk fnukad&12-01-2015 dks izfrfnu dh Hkkafr ckyksn ls jkt feL=h dk dk;Z dj lk;dy ls okil vius x`g xzke jkuhrjkbZ tkrs gq, [kj[kjk ugjikuh esa fQly dj ugjukyh ikuh esa Mwcus ls ?kVuk LFky [kj[kjk ugj ukyh vkekikjk ckyksn esa e`R;q gks xbZ ftldh lwpuk mRrjoknh dz-3@vukosnd dz-3 ds ek/;e ls mRrjoknh dz-1@vukosnd dz-1 chek daiuh dks nh xbZ rFkk leLr nLrkostksa lfgr Dyse QkeZ Hkjdj tek fd;k x;k fdUrq mRrjoknh dz- 1@vukosnd dz-1 }kjk leLr tkap iM+rky djus ds ckn mRrjoknh dz- 1@vukosnd dz-1 }kjk Dyse dk Hkqxrku ugha fd;k rFkk fnukad&16-03- 2015 dks i= Hkstdj mRrjoknh dz-1@vukosnd dz-1 }kjk fnukad&04- 03-2015 dks vihykfFkZuh@ifjokfnuh dk Dyse fcuk fdlh vk/kkj ds ;g dFku djrs gq, fd e`rd fcns'kh jke ds ih- ,e- fjiksVZ esa ,Ydksgy dk // 3 // lsou fd;k x;k Fkk] bl dkj.k nkos dks uks Dyse fd;k x;k] tcfd e`rd }kjk ?kVuk ds le; dksbZ ,Ydksgy ugha fy;k x;k FkkA ,Ydksgy dk LeSy lnhZ&[kkalh dh nokbZ ihus ls ;k HkksT; inkFkZ ds lM+dj ,Ydksy cuus ls Hkh ,Ydksgy dk LeSy vk ldrk gS tks fdlh Hkh dkj.k ls nq?kZVuk esa e`R;q gksus ds dkj.k ;k chek 'krksZa dk mYya?ku ugha ekuk tk ldrkA MkWDVj }kjk ih- ,e- fjiksVZ esa e`R;q dk dkj.k ikuh esa Mwcus ls 'okla vojks/k gksus ls nq?kZVuk esa e`R;q gksuk mYys[k fd;k gSA ,slh fLFkfr esa vihykfFkZuh@ifjokfnuh ds ifr dh e`R;q vkdfLed nq?kZVuk ds QyLo:Ik ?kfVr gqbZ gS] vr% vihykfFkZuh@ifjokfnuh chek jkf'k 5]00]000@&¼ikap yk[k :Ik;s½ izkIr djus dh vf/kdkfj.kh gSA mRrjoknh dz-1@vukosnd dz-1 dks chek 'krksZa ds v/;/khu vihykfFkZuh@ifjokfnuh ds chek nkok dk fujkdj.k djrs le; ek= bl ckr ij fopkj.k fd;k tkuk Fkk fd chfer O;fDr dh e`R;q nq?kZVuk ls gqbZ gS vFkok ugha rFkk mDr nq?kZVuk chek ikWfylh ds 'krksZa ds v/khu vkPNkfnr gS vFkok ugha ijUrq mRrjoknh dz-1@vukosnd dz-1 }kjk chek/ku dh ns;rk ls cpus ds fy, chek ikWfylh ds izko/kkuksa dk mYya?ku crkrs gq, vihykfFkZuh@ifjokfnuh ds chek nkok dks fujLr dj chek/ku dk Hkqxrku u dj lsok esa deh dh xbZ gS ftlds dkj.k vihykfFkZuh@ifjokfnuh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ;g izkjafHkd vkifRr fd;k x;k gS fd vihykfFkZuh@ifjokfnuh }kjk mRrjoknh dz-1@vukosnd dz-1 ds fo:} lsok esa deh dks izekf.kr djuk vfr vko';d gS rHkh ;g izdj.k Qksje ds {ks=kf/kdkj ds varxZr izpyu ;ksX; gSA Qksje dks loZizFke ;g ijh{k.k fd;k tkuk vko';d gS fd mRrjoknh dz-1@vukosnd dz-1 }kjk fd;s x;s dk;Z miHkksDRkk laj{k.k vf/kfu;e] 1986] ds varxZr lsok esa deh dk // 4 // ekeyk gS ;k ughaA ekuuh; mPpre U;k;ky; us lsok esa deh ds ijh{k.k ds fy, ;g funsZ'k fn;k gS fd ifjokn esa ba';ksjsal daiuh }kjk fdl izdkj ls dksbZ xyrh] deh ;k nks"k;qDr dk;Z bR;kfn tku&cw>dj fd;k x;k gS] og Li"Vr% vfHkdfFkr gksuk pkfg,A tgka nks i{kdkjksa ds e/; lpeqp fookn gS vkSj tgka lsoknkrk }kjk lHkh miyC/k tkudkjh o nLrkostksa dk ifj'khyu djus ds Ik'pkr~ ;fn dksbZ dk;Zokgh ln~HkkoukiwoZd dh xbZ gS rc ,slh dk;Zokfg;ka lsok esa deh ds nk;js esa ugha gksaxsA lsok esa deh dks lkfcr djus dk Hkkj ml O;fDr ij gS tks blds ckjs esa vfHkdFku djrk gSA bl izdj.k esa vihykfFkZuh@ifjokfnuh }kjk mRrjoknh dz-1@vukosnd dz-1 chek daiuh ds lsok esa fdlh tku&cw>dj fd;s x;s xyrh viw.kZrk ;k deh dks LFkkfir ugha fd;k x;k gSA vr% ifjokn ftyk Qksje ds {ks=kf/kdkj dh ifjf/k ls ckgj gksus ls [kkfjt fd;s tkus ;ksX; gSA mRrjoknh dz-1@vukosnd dz-1 dh vksj ls ;g vfHkopu fd;k x;k gS fd mRrjoknh dz-1@vukosnd dz-1 chek daiuh }kjk xzqi ilZuy ,DlhMsaV chek ikWfylh] ftyk lgdkjh dsUnzh; cSad e;kZfnr nqxZ ds uke ij chek ikWfylh esa of.kZr fu;e o 'krksZa rFkk fu"ks/k ,oa lhekvksa ds v/khu tkjh fd;k x;k Fkk ftldk ikWfylh uacj&4112&200501&13&5000016&00&000 ,oa E;kn fnukad&14-01-2014 ls 13-01-2015 rd FkhA Lo- fcns'kh jke 'kjkc dk vR;f/kd lsou fd;k gqvk Fkk ftlds dkj.k mldk Lo;a ij fu;a=.k ugha FkkA vihykfFkZuh@ifjokfnuh }kjk vius ifr fcns'kh jke dh fnukad&12-01- 2015 dks ugj ukyh esa ikuh esa Mwcus ls e`R;q gksuk crk;k x;k gS ftldh lwpu nLrkost lfgr chek daiuh dks mRrjoknh dz-2@vukosnd dz-2 ls izkIr gqvkA nLrkostksa ds tkap mijkar chek daiuh }kjk fnukad&04-03- 2015 dks mRrjoknh dz-2@vukosnd dz-2 cSad dks nkok fujLrhdj.k dk i= Hkstk x;k ftlesa nkok fujLr djus dk vk/kkj ;g gS fd ?kVuk ds le; e`rd 'kjkc dk lsou fd;k FkkA iksLV ekVZe fjiksVZ esa e`rd ds isV esa vifpr Hkkstu ds lkFk 200 lh- lh- ,Ydksgy ik;k x;k gS tks chek // 5 // ikWfylh ds fu;e ,oa 'krZ dk mYya?ku gSA chek daiuh }kjk chek ikWfylh ds fu;e o 'krZ rFkk fu"ks/k ds rgr gh vihykfFkZuh@ifjokfnuh dk nkok fujLr fd;k x;k gSA bl izdkj chek daiuh }kjk lsok esa dksbZ deh ugha fd;k x;k gS vkSj u gh dksbZ O;kolkf;d dnkpj.k fd;k x;k gSA chek daiuh chek ikWfylh dh 'krZ o fu"ks/k ikVZ&3 lkekU; fu"ks/k ds dafMdk&3 ¼2½ ds varxZr nkos ds fy, nk;h ugha gS] ;fn chfer O;fDr nq?kZVuk ds le; 'kjkc ;k Mªx ;k vU; eknd inkFkksZa ds izHkko esa gksA e`rd fcns'kh jke ds iksLVekVZe fjiksVZ esa mlds isV esa vifpr Hkkstu rFkk 200 lh- lh- ,Ydksgy Ikk;s tkus dk mYys[k gSA vr% e`R;q ds le; e`rd ,Ydksgy vFkkZr~ 'kjkc ds izHkko esa Fkk blfy, chek daiuh }kjk tks nkok [kkfjt fd;k x;k gS og mfpr gSA fo'ks"k dFku esa ;g vfHkopu fd;k x;k gS fd chek daiuh] chek ikWfylh dh 'krsZa o fu"ks/k ikVZ&3 lkekU; fu"ks/k ds dafMdk&3 ¼2½ ds varxZr nkos ds fy, nk;h ugha gSA ;fn chfer O;fDr nq?kZVuk ds le; 'kjkc ;k Mªx ;k vU; eknd inkFkksZa ds izHkko esa gksA e`rd fcns'kh jek ds iksLVekVZe fjiksVZ ds ist&3 ds vkf[kjh 2 ykbZu esa rFkk ist&5 ds dafMdk&4 isV ,oa mlds Hkhrj dh oLrq,a dkWye esa MkWDVj }kjk e`rd ds isV esa vifpr Hkkstu rFkk 200 lh-lh- ,Ydksgy ik;s tkus dk mYys[k fd;k x;k gSA MkWDVj }kjk viuk dk;Z inh; drZO; ds fuoZgu esa fd;k x;k gS] mldk blesa dksbZ LokFkZ ugha FkkA chek daiuh chek ikWfylh dh fu;e o 'krZ ds rgr nkok dk fujkdj.k djrh gSA vr% vihykfFkZuh@ifjokfnuh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh dz-2 ,oa 3@vukosnd dz-2 ,oa 3 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ;g vfHkopu fd;k x;k gS fd vihykfFkZuh@ifjokfnuh ds ifr Lo- fcns'kh jke dk mRrjoknh dz- 3@vukosnd dz-3 esa lsfoax [kkrk Fkk ftlls chek izhfe;e dh jkf'k lkoZtfud nq?kZVuk chek ds varxZr mRrjoknh dz-3@vukosnd dz-3 }kjk olwy dj mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls mRrjoknh dz-
// 6 // 1@vukosnd dz-1 dks Hkstk x;k Fkk ftldk ikWfylh dzekad&4112&200501&13&5000016&00&000 Fkk vkSj ftlds vuqlkj nq?kZVuk esa e`R;q gksus ij mRrjoknh dz-1@vukosnd dz-1 }kjk 5]00]000@&¼ikap yk[k :Ik;s½ dk Hkqxrku fd;k tkuk FkkA vihykfFkZuh@ifjokfnuh ds Lo- ifr dk nq?kZVuk esa fnukad&12-01-2015 dks e`R;q gks xbZ FkhA vihykfFkZuh@ifjokfnuh dk nq?kZVuk nkok mRrjoknh dz-3 ,oa 2@vukosnd dz-3 ,oa 2 ds ek/;e ls mRrjoknh dz-1@vukosnd dz-1 dks Hkstk x;k Fkk ftls fnukad&04-03-2015 dks fujLr dj fn;k x;k fd vihykfFkZuh@ifjokfnuh ds Lo- ifr fcns'kh jke }kjk 'kjkc dk lsou fd;k x;k FkkA vihykfFkZuh@ifjokfnuh }kjk mRrjoknh dz-2 ,oa 3@vukosnd dz-2 ,oa 3 ds fo:} fdlh izdkj dk vuqrks"k ugha pkgk gSA ,slh fLFkfr esa vihykfFkZuh@ifjokfnuh dks chek/ku Hkqxrku djus dh tokcnkjh mRrjoknh dz-1@vukosnd dz-1 dh gSA vihykfFkZuh@ifjokfnuh us ;g Lohdkj fd;k gS fd mlds }kjk izLrqr nq?kZVuk nkok ds leLr nLrkost mRrjoknh dz-2 ,oa 3@vukosnd dz-2 ,oa 3 ds ek/;e ls mRrjoknh dz-1@vukosnd dz-1 dks Hkstk x;k Fkk ijUrq mRrjoknh dz- 1@vukosnd dz-1 }kjk fnukad&04-03-2015 dks nkok fujLr dj fn;k x;k ftldh lwpuk mRrjoknh dz-3@vukosnd dz-3 ds ek/;e ls fnukad&17-03-2015 dks izkIr gqvkA vihykfFkZuh@ifjokfnuh }kjk mRrjoknh dz-2 ,oa 3@vukosnd dz-2 ,oa 3 ds fo:} fdlh izdkj dk dksbZ vuqrks"k ugha pkgk gSA vr% mRrjoknh dz-2 ,oa 3@vukosnd dz-2 ,oa 3 ds fo:} ifjokn fujLr fd;k tkosA 05- vihykfFkZuh@ifjokfnuh dh vksj ls vius i{k leFkZu eas ftyk Qksje ds le{k ftyk lgdkjh dsUnzh; cSad e;kZfnr nqxZ }kjk vihykfFkZuh@ifjokfnuh dks izsf"kr nkok fujLrh i= fnukad&17-03-2015 (Annexure A-1)] jsiqfM,'ku ysVj fnukad&04-03-2015 (Annexure A-2)] fcns'kh jke dk e`R;q izek.k&i= (Annexure A-3)] ikWfylh 'ksM~;wy // 7 // (Annexure A-4)] fcns'kh jke dk cpr [kkrk ikl cqd (Annexure A-5)] izhfe;e jkf'k i=d (Annexure A-6)] tkap fu"d"kZ izfrosnu fnukad&24-01- 2015 (Annexure A-7)] vdky ,oa vkdfLed e`R;q dh lwpuk iath (Annexure A-8)] uD'kk iapk;rukek (Annexure A-9)] 'ko ijh{k.k ds fy, vkosnu fnukad&12-01-2015 (Annexure A-10)] vihykfFkZuh@ifjokfnuh }kjk mRrjoknh dz-3@vukosnd dz-3 dks izsf"kr e`R;q dh lwpuk fnukad&02-02-2015 (Annexure A-11) rFkk jk'ku dkMZ (Annexure A-12) dh QksVks dkih izLrqr fd;k gSA 06- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls vius i{k leFkZu easa ftyk Qksje ds le{k chek ikWfylh (Annexure NA-1) rFkk fu;e ,oa 'krZ (Annexure NA-2) dh izekf.kr izfr izLrqr fd;k gSA 07- ftyk Qksje us mHk;{k }kjk izLrqr vfHkopu ,oa nLRkkosth lk{; ds ifj'khyu ds Ik'pkr~ vihykfFkZuh@ifjokfnuh ds ifjokn dks fujLr fd;k gS] ftlds fo:}+ ;g vihy gSA 08- vihykfFkZuh@ifjokfnuh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj- ds- Hkkoukuh dk ;g rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% =qfViw.kZ gSA ftyk Qksje us bl rF; dks fopkj esa ugha fy;k gS fd e`rd fcns'kh jke dh e`R;q 'kjkc ds lsou ds dkj.k ugha gqvk gS vfirq Mwcus ls gqvk gS vkSj ,slh fLFkfr esa mlds }kjk ikWfylh 'krksZa dk mYya?ku ugha fd;k x;k gSA e`rd fcns'kh jke dh e`R;q nq?kZVukRed izd`fr dk gS vkSj blfy, vihykfFkZuh@ifjokfnuh] mRrjoknh dz-1@vukosnd dz-1 fycVhZ fofM;ksdkWu tujy ba';ksjsla daiuh fyfeVsM ls {kfriwfrZ izkIr djus dh vf/kdkfj.kh gSA mRrjoknh dz-1@vukosnd dz-1 }kjk vuqfpr :Ik ls vihykfFkZuh@ifjokfnuh ds nkos dks vLohdkj fd;k x;k gSA mRrjoknh dz-1@vukosnd dz-1 }kjk tks ;g vk/kkj fy;k x;k gS fd e`rd fcns'kh jke eRr voLFkk esa Fkk] og iw.kZr% =qfViw.kZ gSA dsoy 'kjkc // 8 // dh ek=k ik;s tkus ek= ls ;g ugha dgk tk ldrk fd e`rd }kjk chek 'krksZa dk mYya?ku fd;k x;k gSA 'kjkc dh ek=k dk foLr`r fooj.k ugha fn;k x;k gS vkSj blfy, dsoy 'kjkc dh mifLFkfr ek= Ik;kZIr ugha gS tcfd e`rd }kjk xzqi ilZuy ,DlhMsaV ikWfylh fy;k x;k gS vkSj e`rd dh e`R;q nq?kZVukRed gS blfy, ikWfylh ds v/khu chfer jkf'k vihykfFkZuh@ifjokfnuh izkIr djus dh vf/kdkfj.kh gSA vr% vihykfFkZuh@ifjokfnuh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 09- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,u- ds- Bkdqj dk ;g rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr vkns'k gS vkSj nLrkosth lk{; ij vk/kkfjr gSA e`rd 'kjkc fi;k gqvk Fkk vkSj mlds vek'k; esa yxHkx 200 lh- lh- 'kjkc ik;k x;k gS tks fd fu/kkZfjr ek=k ls vf/kd gS] Hkys gh e`rd dh e`R;q nq?kZVukRed izd`fr dk gS] ijUrq bl laHkkouk ls badkj ugha fd;k tk ldrk fd 'kjkc ds u'ks esa e`rd fQly xj fxjk gksxk ftlds dkj.k ls Mwcus ls mldh e`R;q gqbZ gS vkSj bl dkj.k e`rd dh e`R;q Mwcus ls nq?kZVukRed izd`fr dk gS blfy, ;g ugha dgk tk ldrk fd e`rd us chek 'krksZa dk mYya?ku ugha fd;k gSA vr% vihykfFkZuh@ifjokfnuh fdlh izdkj dh jkf'k izkIr djus dh vf/kdkfj.kh ugha gSA vr% vihykfFkZuh@ifjokfnuh dh vihy fujLr fd;k tkosA 10- mRrjoknh dz-2 ,oa 3@vukosnd dz-2 ,oa 3 dh vksj ls milatkr gksus oksys fo}ku vf/koDrk Jh ,l- ih- vxzoky dk ;g rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr vkns'k gS] mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% vihykfFkZuh@ifjokfnuh dh vihy fujLr fd;k tkosA // 9 // 11- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA 12- vihykfFkZuh@ifjokfnuh dh vksj ls 'ko ijh{k.k izfrosnu izLrqr fd;k x;k gSA bl 'ko ijh{k.k izfrosnu esa 'ko ijh{k.k djus okys MkWDVj us Li"V :Ik ls fy[kk gS fd e`rd ds vek'k; esa 200 lh- lh- ,Ydksgy fo|eku FkkA gkykafd 'ko ijh{k.k izfrosnu esa ;g fu/kkZfjr fd;k gS fd e`rd dh e`R;q Mwcus ls 'okal vojks/k (Asphyxia) ds dkj.k gqbZ gS tks fd nq?kZVukRed izd`fr dk gSA vihykfFkZuh@ifjokfnuh us vius ifjokn&i= dh dafMdk&3 esa ;g vfHkopu dh gS fd **fnukad&12-01-2015 dks izfrfnu dh Hkkafr ckyksn ls jkt feL=h dk dk;Z dj lk;dy ls okil vius x`g xzke jkuhrjkbZ tkrs gq, [kj[kjk ugj ukyh esa fQly dj ugjukyh esa Mwcus ls e`R;q gqbZ gSA** vihykfFkZuh@ifjokfnuh }kjk izn'kZ ,&11 dk tks nLrkost izLrqr fd;k x;k gS og vihykfFkZuh@ifjokfnuh }kjk 'kk[kk izca/kd dks fy[kk x;k i= gS ftlesa vihykfFkZuh@ifjokfnuh us Li"V :Ik ls fy[kk gS fd **fnukad&12-01-2014 dks mlds ifr [kj[kjk ugj ckyksn esa vpkyd fQlydj fxjdj Mwc tkus ls e`R;q gks xbZ gS ftldk iksLV ekVZe djk;k x;k gSA** vihykfFkZuh@ifjokfnuh ds dFku ls Li"V gS fd mldk ifr fQly dj fxjk gS vkSj iksLV ekVZe fjiksVZ esa e`rd fcns'kh jke ds vek'k; esa 200 lh- lh- 'kjkc ik;k x;k gSA 13- Life Insurance Corp. of India & Anr. Vs. Smt. Anita Panwar & Ors. 2016 (2) CPR 500 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "9. In the case in hand, it has been established from the chemical analysis report that the deceased had 236 mg% of blood in his body which was much more than 100 mg% and hence, it can be safely concluded that the deceased was under the influence of intoxicating // 10 // liquor at the time of his fall, which resulted in head injury leading to his death.
11. Since the deceased was under the influence of intoxicating liquor at the time of his death, it is very clear from a plain reading of the conditions stated above that the opposite party, LIC was not liable to pay additional sum as accident benefit to the complainants."
14- Relied on Lyon's Medical Jurisprudence & Toxicology by Prof. T. D. Dogra and Lt. Col. Abhijit Rudra and relied on the following:-
"Medico Legal Aspects Of Alcohol Intake Terminologies used in medico-legal context: The following terminologies are employed in medico-legal cases. Their exact meaning should be understood. Sober- Blood alcohol concentration of less than 10 mg%. . Drinking- Blood alcohol concentration of 20-70 mg%. Under the influence of alcohol- Blood alcohol concentration of 80-100 mg%.
Drunk of intoxicated- Blood alcohol concentration of 150-300 mg%. Coma and death- Blood alcohol concentration in excess of 400 mg%."
15- blh izdkj Himachal Pradesh Road Transport Corporation Limited vs. New India Assurance Company Limited, II (2007) CPJ 287, a table has been given. In the above judgment, Himachal Pradesh State Consumer Disputes Redressal Commission, Shimla, has relied on Medical Jurisprudence and Toxicology, 7th Edition by HWV Cox, Table 7.5.1 . The above table is as below :-
Table 7.5.1.
Table showing the Effects of Different Concentration of Alcohol.
Concentration Minimum Behaviour and Remarks.
of Alcohol in sconsumed sign.
blood (mg. 100 volume of 70%
ml) proof Spirit (ml.)
Upto 50 Less than 70 No change Dry and decent,
// 11 //
Slightly flushed fit to drive.
face.
50 to 140 70 to 150 Majority are gay, Dry and decent,
vivacious and fit to drive.
talkative a few
may show
symptoms of more
severe
intoxication.
Around 150 150 to 200 Garrulous and A critical level.
aggressive. Delighted and
devilish, may be
dangerous in
control of a
vehicle.
150 to 200 250 to 300 Motor Delinquent and
incoordination disgusting. Unfit
slurred speech, to drive.
staggering Gait.
400 to 600 550 to 500 Comatosed. Dazed and
dejected.
Above 600 More than 700 Asphyxia and Dead drunk.
death.
16- bl izdj.k esa tks 'ko ijh{k.k izfrosnu izLrqr fd;k x;k gS mlesa
'ko ijh{k.k djus okys MkWDVj us Li"V :Ik ls crk;k gS fd e`rd ds vek'k; esa 200 lh- lh- 'kjkc ¼Alcohol½ fo|eku Fkk tks fd fu/kkZfjr ek=k ls vf/kd Fkk vkSj vihykfFkZuh@ifjokfnuh ds vuqlkj gh mldk ifr fQly dj fxjk Fkk vkSj Mwck Fkk vkSj ,slh fLFkfr esa bl laHkkouk ls badkj ugha fd;k tk ldrk fd e`rd fcns'kh jke eRr voLFkk esa fxjk Fkk vkSj ftlds ifj.kke Lo:Ik og ugj eas Mwck Fkk vkSj mldh e`R;q dkfjr gqbZ Fkh vkSj ,slh fLFkfr esa ;g Li"V gS fd e`rd }kjk chek 'krksZa dk mYya?ku fd;k x;k gSA 17- ftyk Qksje us tks ;g fu"d"kZ fudkyk gS fd chek /kkjd e`R;q ds le; ,Ydksgy ds izHkko esa Fkk tks fd chek ikWfylh ds 'krZ ds foijhr Fkk] QyLo:Ik vukosnd chek daiuh us ifjokfnuh dk chek nkok bl vk/kkj ij [kkfjt fd;k gS] mlesa fdlh izdkj dh lsok esa fuEurk ugha gS] // 12 // iw.kZr% mfpr fu"d"kZ gS vkSj mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA 18- vr% ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&13-01-2016 dh iqf"V djrs gq, vihykfFkZuh@ifjokfnuh dh vihy lkjghu gksus ls fujLr fd;k tkrk gSA izdj.k dh ifjfLFkfr dks ns[krs gq, i{kdkj bl vihy dk O;; viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼lqJh fguk BDdj½ ¼Mh- ds- iksn~nkj½ ¼ujasnz xqIrk½ v/;{k lnL; lnL; lnL;
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