State Consumer Disputes Redressal Commission
Iffco-Tokio General Insurance Co.Ltd. vs Niteen Kumar Mittal on 30 March, 2016
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2015/232 lafLFkr fnukad:15-05-2015 bQdks Vksfd;ks tujy ba';ksjsal daiuh fyfeVsM 'kk[kk izca/kd] brokjh cktkj jk;x<+ N-x-
}kjk &'kk[kk izca/kd] f}rh; ry ,e-,e-Iyktk] fjax jksM uacj&1 iksLV o ftyk jk;iqj ¼N-x-½ ----- vihykFkhZ@vukosnd fo:) Jh fufru dqekj feRry] mez&23 o"kZ djhc vkRet Jh c`teksgu feRry] izksijkbZVj& feRry ¶ykbZ ,s'k fczDl irk& iksLV o rg- ?kj?kksM+k ftyk jk;x<+ ¼ N-x-½ --------mRrjoknh@ifjoknh le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k A ekuuh; lqJh fguk BDdj ] lnL;k A ekuuh; Jh Mh-ds-iksn~nkj] lnL; A ekuuh; Jh ujsanz xqIrk lnL; A i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ih-ds-ikWy vf/koDrk A mRrjoknh dh vksj ls Jh ds-vkuankuh vf/koDrk A // 2 // vkns'k fnukad% 30-03-2016 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd @ba';ksjsal daiuh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;x<+ ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&125@2014 esa ikfjr vkns'k fnukad&18-02-2015 ftlds }kjk ifjoknh ds ifjokn dks Lohdkj dj vuqrks"k iznku fd;k x;k gS %& v vukosnd@fo:) ikVhZ ] vkosnd @ ifjoknh dks :-
2]73]000@& ¼nks yk[k frgRrj gtkj :i,½ ,d eghus ds Hkhrj Hkqxrku djsxk rFkk :-2]73]000@& ¼nks yk[k frgRrj gtkj :i,½ ij ifjokn fnukad&03-01-2011 ls Hkqxrku fnukad rd 9 izfr'kr okf"kZd dh nj ls C;kt Hkqxrku djsxk A c vukosnd@fo:) ikVhZ ] vkosnd ifjoknh dks 'kkjhfjd o ekufld {kfriwfrZ :- 15]000@& ¼ianzg gtkj :i,½ rFkk okn O;; :-
2000@&¼nks gtkj :i,½ Hkh Hkqxrku djsxk A ls nqf[kr gksdj izLrqr fd;k gS A 02- ftyk Qksje ds le{k ifjoknh dk ifjokn laf{kIr eas bl izdkj jgk gS fd ifjoknh us Hkkjrh; LVsV cSad ?kj?kksM+k ls foRrh; lgk;rk izkIr dj fnukad&24-08-2008 dks VªsDVj ] ftldk iath;u Øekad&vkj-Mh-Vh- &13481 rFkk psfll uacj vkj-Mh-Vh-&13481 Fkk] ftldk iath;u // 3 // Øekad& lh-th-13 ,y&0112 Fkk] dks Ø; fd;k Fkk vkSj mDr VªsDVj dks vihykFkhZ@vukosnd ds ikl ls fnukad&06-02-2009 ls ysdj 05-02-2010 dh vof/k ds fy, chek djk;k Fkk vkSj ftlds isBs : 7252@& ¼lkr gtkj nks lkS ckou :i,½ vkSj izhfe;e dh jkf'k vnk dh xbZ Fkh vkSj fnukad&11-01-2010 dks izkr% 9 cts ds yxHkx mDr VªsDVj dks lkeus ls vk jgh Vªsyj okgu Øekad& lh-th-04 &ts&ch&1325 ds pkyd ds }kjk xzke ekyhMhg okMZ uacj&13 ?kj?kksM+k ds ikl Bksdj ekj fn;k Fkk ] ftlls VªsDVj pdukpwj gks x;k Fkk ] bldh fjiksVZ fnukad&11-01-2010 dks iqfyl Fkkuk ?kj?kksM+k esa dh xbZ Fkh A VªsDVj iw.kZr% {kfrxzLr gks xbZ Fkh vkSj yxHkx :- 4]00]000@& ¼pkj yk[k :i,½ dh {kfr dkfjr gqbZ Fkh A ifjoknh us vihykFkhZ@vukosnd dks lwpuk nh Fkh vkSj Dyse QkeZ Hkjdj izLrqr fd;k Fkk ] ijarq vihykFkhZ@vukosnd@ba';ksjsal daiuh }kjk vuqfpr :i ls ifjoknh ds nkos dks fujLr dj fn;k x;k vkSj jkf'k dk Hkqxrku ugha fd;k x;k vkSj blfy, ifjoknh dks ifjokn ykus dh vko';drk gqbZ ] ifjoknh dks ifjokn&i= dks of.kZr vuqlkj vuqrks"k iznku dh tkos A 03- vukosnd dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd lwpuk izkIr gksus ij losZ;j fu;qDr fd;k x;k Fkk vkSj losZ;j us okgu dk fujh{k.k dj viuk fjiksVZ izLrqr fd;k Fkk ] ftlds vuqlkj mlus :-2]73]000@&¼nks yk[k frgRrj gtkj :i,½ {kfr dk vkadyu fd;k Fkk A pwafd nq?kZVuk ds le; okgu iathd`r ugha Fkk vkSj fcuk // 4 // iath;u ds okgu dks pyk;k tk jgk Fkk rFkk nq?kZVuk ds le; ifjoknh ds ikl oS/k ,oa izHkkoh Mªk;foax yk;lsal ugha Fkk vkSj bl vk/kkj ij ifjoknh us chek 'krksZa dk mYya?ku fd;k Fkk vkSj bl dkj.k ifjoknh ds nkos dks vLohdkj fd;k x;k gS vkSj ifjoknh fdlh izdkj {kfriwfrZ ikus dk vf/kdkjh ugha gS A vr% ifjoknh dk ifjokn fujLr fd;k tkos A 04- fnukad&06-10-2012 dks ftyk Qksje us ifjoknh fufru dqekj feRry ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k Fkk fd %& vukosnd@ifjoknh dks :- 4]00]000@&¼pkj yk[k :i,½ ,d ekg ds Hkhrj Hkqxrku djsxk rFkk4]00]000@&¼pkj yk[k :i,½ ij vkns'k fnukad ls Hkqxrku fnukad rd 9 izfr'kr okf"kZd dh nj ls C;kt Hkqxrku djsxk A vukosnd ifjoknh dks 'kkjhfjd ,oa ekufld {kfriwfrZ 4]000@&¼pkj gtkj :i,½ rFkk okn O;; :- 1]000@& ,d gtkj :i, Hkqxrku djsxk A mDr vkns'k ds fo:) vihykFkhZ@ba';kjsal daiuh us bl vk;ksx ds le{k vihy Øekad&2012@641 lafLFkr fd;k x;k Fkk vkSj vkns'k fnukad&28-08-2014 ds }kjk vihykFkhZ ba';kjsal daiuh dk vihy Lohdkj fd;k x;k Fkk vkSj izdj.k bl funsZ'k ds lkFk ftyk Qksje dks izsf"kr fd;k x;k Fkk fd %& ^^mijksDr foospuk ds ifjizs{; esa vihykFkhZ@vukosnd@ba';ksjsal daiuh dh vihy Lohdkj fd;k tkrk gS vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&06-10-2012 fujLr fd;k tkrk gS vkSj ;g izdj.k bl funsZ'k ds lkFk ftyk Qksje dks okil fd;k tkrk gS fd // 5 // mRrjoknh@ifjoknh ftyk Qksje ds le{k okgu dk lfVZfQdsV vkWQ jftLVªs'ku rFkk nq?kZVuk ds le; tks O;fDr nq?kZVukxzLr okgu dks pyk jgk Fkk mldk Mªkbfoax yk;lsal ds laca/k esa tkudkjh izLrqr djsa rFkk vihykFkhZ@vukosnd@ba';ksjsal daiuh laiw.kZ losZ;j fjiksVZ izLrqr djsxk A ;fn mHk;&i{k dksbZ vU; nLrkost izLrqr djuk pkgs rks mUgsa nLrkost izLrqr djus dk volj iznku djrs gq, izdj.k dk xq.k&*nks"k ij iqu% fujkdj.k djsaxs A** 05- ftyk Qksje us bl vk;ksx }kjk izdj.k ftyk Qksje dks izfrizsf"kr djus ds i'pkr~ mHk;&i{k dks lquokbZ dj fnukad&18-02-2015 dks iqu% vkns'k ikfjr djrs gq, ifjoknh ds ifjokn dks Lohdkj djrs gq, vknsf'kr fd;k gS fd %& v vukosnd@fo:) ikVhZ ] vkosnd@ifjoknh dks :- 2]73]000@& ¼nks yk[k frgRrj gtkj :i,½ ,d eghus ds Hkhrj Hkqxrku djsxk rFkk :-2]73]000@& ¼nks yk[k frgRrj gtkj :i,½ ij ifjokn fnukad&03-01-2011 ls Hkqxrku fnukad rd 9 izfr'kr okf"kZd dh nj ls C;kt Hkqxrku djsxk A c vukosnd@fo:) ikVhZ ] vkosnd ifjoknh dks 'kkjhfjd o ekufld {kfriwfrZ :- 15]000@& ¼ianzg gtkj :i,½ rFkk okn O;; :- 2000@&¼nks gtkj :i,½ Hkh Hkqxrku djsxk A 06 mDr vkns'k ds fo:) vihykFkhZ@ba';ksjsal daiuh us vihy Øekad&2015@232 lafLFkr fd;k Fkk tks vkns'k fnukad &06-06-2015 ds }kjk ;g fu/kkZfjr djrs gq, fd vihykFkhZ@vukosnd@ba';ksjsal daiuh dk // 6 // vihy ifjlhek vof/k ls ckf/kr gS ] vihy dks fujLr fd;k x;k Fkk A vihykFkhZ@vukosnd@ba';ksjsal daiuh us bl vk;ksx }kjk ikfjr mDr vkns'k ds fo:) jk"Vªh; vk;ksx ds le{k iqujh{k.k ;kfpdk Øekad&1889@2015 lafLFkr fd;k Fkk vkSj vkns'k fnukad&28-10-2015 ds }kjk vihykFkhZ@vukosnd@ba';ksjsal daiuh ds vihy dks :- 20]000@& ¼chl gtkj :i,½ ifjO;; ij Lohdkj fd;k x;k Fkk vkSj vihy lafLFkr djus esa 56 fnu dk foyac gqvk Fkk vkSj mls {kek fd;k x;k Fkk vkSj vihy xq.k&nks"k ij lquokbZ ds fy, bl izdj.k dks varfjr fd;k x;k Fkk A 07- ifjoknh dh vksj ls vius i{k leFkZu esa nLrkost & jk;x<+ vkWVkseksckbZy ds uke tkjh Mªk¶V fnukad&23-08-dh Nk;kizfr Anx A-1, ] vkosnd ds uke ij tkjh lsV lVhZfQdsV fnukad&24-08-2008 dh Nk;kizfr] Anx A-2, vkosnd ds uke ls tkjh ba';ksjsal dOgj uksV fnukad&23-03-2009 dh Nk;kizfr Anx A-3, izFke lwpuk fjiksVZ fnukad&11-01-2010 dh Nk;kizfr] Anx A-4, vkosnd }kjk tek Dyse QkeZ fnukad&11-01-2010 dh Nk;kizfr] Anx A-5, fVds'oj ;kno oYn pSrjke ;kno dk Mªk;foax yk;lsal dh Nk;kizfr] izFke lwpuk i= dh Nk;kizfr] nq?kZVukxzLr okgu dk vkj-lh-
cqd dh Nk;kizfr] fVds'oj ;kno ,oa vt; iVok dk 'kiFk&i= izLrqr fd;k x;k gS A // 7 // 08 vukosnd dh vksj ls vius i{k leFkZu esa nLrkost & losZ fjiksVZ c`ts'k dqekj losZ;j dk fnukad& 03-11-2010 dh Nk;kizfr , vkj-lh-cqd okgu dk izLrqr fd;k x;k gS A 09 vihykFkhZ@vukosnd@ba';ksjsal daiuh dh vksj ls milatkr gksus okys vf/koDrk Jh ih-ds-ikWy dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gS A ifjoknh us okgu ] chek 'krksZa dk mYya?ku dj pyk;k Fkk A okgu VªsDVj fnukad&24-08-2008 dks Ø; fd;k x;k Fkk rFkk nq?kZVuk fnukad&11-01-2010 dks dkfjr gqvk Fkk vkSj ftl le; nq?kZVuk dkfjr gqvk ] ml le; okgu iathd`r ugha Fkk A nq?kZVuk ds ckn ifjoknh }kjk fnukad&27-01-2010 dks okgu dk iath;u djk;k x;k A bl izdkj nq?kZVuk fnukad dks ifjoknh us fcuk iath;u djk;s VªsDVj dks pyk;k Fkk ] tks fd chek 'krksZ ds lkFk&lkFk eksVj Oghdy 192 dh /kkjk&1988 ds izko/kku dk mYya?ku gS A Jh ikWy vf/koDrk dk ;g Hkh rdZ gS fd okgu VªsDVj Fkk ] tcfd mlesa flfVax dSfiflVh dsoy ,d gh crk;k gS ] mlesa ,d vU; O;fDr dks fcBkdj pyk;k tk jgk Fkk ] og Hkh chek 'krksZa dk mYya?ku gS A bl izdkj ifjoknh ds ikl ,y-,e-Ogh pykus dk yk;lsal Fkk ] ijar og VªsDVj pyk jgk Fkk A QyLo:i fcuk oS/k ,oa izHkkoh Mªk;foax yk;lsal ds VSªDVj pyk;k tk jgk Fkk ] og Hkh eksVj Oghdy ,DV ,oa chek 'krksZa dk mYya?ku gS vkSj bl izdkj vihykFkhZ@vukosnd@ba';ksjsal daiuh dk ifjoknh ds nkos dks fujLr dj fdlh izdkj lsok esa deh ugha fd;k gS A ftyk Qksje dk vkns'k =qfViw.kZ // 8 // gS ] vr% vihykFkhZ dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k fujLr fd;k tkos A vihykFkhZ dh vksj ls vius i{k leFkZu esa izFke vihy Øekad&2014@711 ;qukbZVsM bafM;k ba';ksjsal daiuh fyfe- fo:) nhid dqekj nkl vkns'k fnukad&10-08-2015] The Manager , Bharti AXA General , Insurance Co. Ltd Vs B.A. Lokesh Kumar 2013(3) CPR 306(NC), Oriental Insurance Co.Ltd Vs K.M.Thirunavukkarasu I (2013) CPJ 32B (NC)(CN), Narinder Sing Vs New India Assurance Co.Ltd & ors II(2013)CPJ 20A (NC)(CN) vkfn dk voyacu fy;k x;k gS A 10- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys vf/koDrk Jh ds-
vkuankuh dk rdZ gS fd ;fn ifjoknh ds ikl jftLVªs'ku ugha Fkk ] rks vihykFkhZ@vukosnd@ba';ksjsal daiuh chek ikWfylh tkjh ugha djuk pkfg, Fkk vkSj ifjoknh }kjk tek izhfe;e dh jkf'k dks okil dj nsuk pkfg, Fkk A ifjoknh dk jde chek daiuh izkIr dj chek tkjh dj fn;k gS vkSj blfy, chek daiuh ds jftLVªs'ku ds vk/kkj ij ifjoknh ds nkos dks vLohdkj ugha dj ldrk gS vkSj chek daiuh {kfriwfrZ ds fy, nkf;Rok/khu gS A Mªk;oj ds ikl nq?kZVuk fnukad dks oS/k ,oa izHkkoh Mªk;foax yk;lsal Fkk rFkk dsoy bl vk/kkj ij fd okgu esa pkyd ds vfrfjDr ,d O;fDr dks fcBk;k Fkk ] ftls chek ikWfylh dk mYya?ku gksuk fu/kkZfjr ugha fd;k tk ldrk A dfFkr nq?kZVuk pkyd }kjk ,d vfrfjDr O;fDr ds cSBus ds dkj.k dkfjr ugha gqvk gS ]vfirq lkeus okys // 9 // okgu dh ykijokgh ds dkj.k gqvk gS ] blfy, chek daiuh {kfriwfrZ ds fy, nkf;Rok/khu gS vkSj ftyk Qksje us tks vkns'k ikfjr fd;k gS] og iw.kZr% fof/klEer~ gS A vr% vihykFkhZ dh vihy fujLr fd;k tkos A ftyk Qksje }kjk ikfjr vkns'k ;Fkkor~ j[kk tkos A ifjoknh@mRrjoknh us vius i{k leFkZu esa jk"Vªh; vk;ksx ds iqujh{k.k ;kfpdk Øekad&1997@2013 us'kuy ba';ksjsal daiuh esa ikfjr vkns'k fnukad&01- 03-2016 dk voyacu fy;k gS A 11- geus mHk;&i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k A ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk ifj'khyu fd;k x;k A 12 ifjoknh us iqujh{k.k ;kfpdk Øekad&1997@2013 nhid dqekj nkl fo:) us'kuy ba';ksjsal daiuh vkns'k fnukad&01-03-2016 ds vkns'k dh izfr izLrqr fd;k gS ] og bl vk;ksx }kjk izFke vihy Øekad&2012@551 us'kuy ba';ksjasl daiuh fo:) nhid dqekj nkl vkns'k fnukad& 15-02-2013 ftlds }kjk bl vk;ksx }kjk fu/kkZfjr fd;k x;k Fkk fd ifjoknh us okgu dk mi;ksx fcuk jftLVªs'ku lfVZfQdsV ds izkIr fd;k Fkk tks fd u dsoy /kkjk&192] eksVj Oghdy ,DV 1988 ds varxZr ] vfirq chek 'krksZa dk Hkh mYya?ku gS A ifjoknh ds ifjokn dks fujLr fd;k x;k Fkk ] ftlds fo:) ifjoknh us mDr iqujh{k.k ;kfpdk lafLFkr fd;k Fkk vkSj og iqujh{k.k ;kfpdk jkthukek ds vk/kkj ij fujkd`r gqvk gS vkSj xq.k nks"k ij fujkd`r ugha gqvk gS A blfy, // 10 // ifjoknh dk ;g rdZ fd fcuk jftLVªs'ku ds okgu dk mi;ksx dksbZ ewyHkwr mYya?ku (fundamental breach) ugha gS ] Lohdkj ;ksX; ugha gS vkSj mDr U;k; n`"Vkar dk ifjoknh dks dksbZ ykHk ugha feyrk gS A 13- loZizFke ;g ns[kuk gS fd D;k ifjoknh us dfFkr okgu esa Mªk;oj ds vfrfjDr ,d vU; O;fDr dks fcBkdj chek 'krksZa dk mYya?ku fd;k gS \ 14- ifjoknh dh vksj ls lfVZfQdsV vkWQ jftLVªs'ku izLrqr fd;k x;k gS] ftlesa flfVax dSfiflVh&1 ] Dykl vkWQ Oghdy &,y-,e- Ogh- mYysf[kr gS A ;gh rF; chek ikWfylh esa Hkh mYyssf[kr fd;k x;k gS A y{ehpan fo:) fjyk;al tujy ba';ksjsal daiuh fyfeVsM esa ekuuh; loksZPp U;k;ky; }kjk fu/kkZfjr fd;k x;k gS fd & Five Passengers wee travelling in the goods carrying vehicle at the time of accident, above seating capacity of the vehicle- Accident not occurred on account of the overloading of passengers- Not a fundamental breach of terms of Insurance- Insurance company liable.Consumer Protection act, 1986, Sections 2 (1)(g), 12 & 21(b), Motor Vehicle Act, 1988, Section 149(2)(a)(ii), 163-166Insurance claim Goods carrying vehicle - Accident was caused on account of the rash and negligent driving of the offending vehicle, against whom FIR registered- Plea of Insurance company that the complainant had violated the terms and conditions of the policy, as five passengers were travlling in the goods carrying vehicle at the time of accident, whereas the permitted seating capacity of the motor vehicle of the appellant was only 1+1- Held- That the insurance company, in order to avoid liability must not only establish the defence claimed in the proceeding concerned, but also establish breach on the part of the owner/insured of the vehicle for which the burden of proof would rest with the insurance company- Insurance company has not produced any evidence on reford to prove that the accident occurred on account of the overloading of passengers in the goods carrying vehicle- The violation of terms // 11 // and conditions of the policy and burden of proof is on the insurer to prove tha fact of such alleged breach of terms and conditions by the insured- Appeals allowed.
15- ifjoknh dh vksj ls izFke lwpuk&i= dh izfrfyfi izLrqr fd;k x;k gS A izFke lwpuk&i= fot; dqekj }kjk fy[kk;k x;k gS ] ftlesa mlus fy[kk;k gS fd fnukad&11-01-2010 dks lqcg VªsDVj ds Mªk;oj ds ikl lhV esa cSBdj ?kj?kksM+k ls bZVHkV~Bk tk jgs Fks A VsªDVj dks fVds'oj ;kno pyk jgk Fkk fd lqcg 9 cts dapuiqj eksM+ /keZtx<+ esujksM ij igqaps Fks fd lkeus ls Vsyj iath;u Øekd& lh-th-04 ts-vkj-1325 ds pkyd okgu dks rsth ls ykijokghiwoZd pykrs gq, VªsDVj dks lkeus ls Bksdj ekjdj ,DlhMsaV dj fn;k ] ftlls nksuksa okgu iyV xbZ A izFke lwpuk&i= ds ifj'khyu ls Li"V gS fd ftl le; nq?kZVuk dkfjr gqvk ] ml le; fot; dqekj Hkh Mªk;oj fVds'oj ds lkFk cSBk gqvk Fkk ] ijarq izFke lwpuk&i= ls Li"V gS fd nq?kZVuk dkfjr gqvk gS ] og lkeus ls vkus okyh okgu Øekad& lh-th-04 ts-vkj-1325 ds pkyd }kjk ykijokgh ls mDr okgu dks pykdj iz'uk/khu okgu dks Bksdj ekjus ls nq?kZVuk dkfjr gqvk gS A bl izdkj ] nq?kZVuk tks gS ] og VªsDVj esa vfrfjDr lokjh cSBkus ds ifj.kkeLo:i ugha gqvk gS A ,slh fLFkfr esa ekuuh; loksZPp U;k;ky; ds mijksDr U;k; n`"Vkar ds ifjizs{; esa ] ugha dgk tk ldrk fd ifjoknh }kjk chek ikWfylh dh 'krksZa dk mYya?ku fd;k x;k gS A // 12 // 16- vc ;g ns[kuk gS fd fVds'oj ;kno ¼pkyd½ ds ikl nq?kZVuk fnukad dks oS/k ,oa izHkkoh Mªk;foax yk;lsal Fkk A ifjoknh dh vksj ls Mªk;oj fVds'oj dk Mªk;foax yk;lsal dh Nk;kizfr izLrqr fd;k x;k gS] ftlesa eksVj lk;dy foFk fx;j ,oa ykbZV eksVj Oghdy fy[kk gqvk gS A ifjoknh ds }kjk lsy lfVZfQdsV izLrqr fd;k x;k gS ] ftlesa Dykl vkWQ Oghdy esa ,y-,e-Ogh rFkk ekjdlZ use esa egsanzk ,.M egsanzk fyfeVsM mYysf[kr gS A lfVZfQdsV vkWQ jftLVªs'ku dh dkih izLrqr fd;k x;k gS ] mlesa Hkh ,y-,e-Ogh VªsDVj 'kCn mYysf[kr gS A losZ;j fjiksVZ esa Hkh ,y-,e-Ogh- ¼VsªDVj½ mYysf[kr gS A bl izdkj VªsDVj ,y-,e-Ogh ykbZV ds varxZr vkrk gS vkSj fVds'oj dk Mªk;foax yk;lsal ,y-,e-Ogh pkyu ds :i esa l{ke gksuk crk;k x;k gS A bl izdkj Li"V gS fd nq?kZVuk fnukad dks pkyd fVds'oj VªsDVj pykus ds fy, l{ke Fkk vkSj mlds ikl oS/k ,oa izHkkoh Mªk;foax yk;lsal Fkk A 17- vc ;g ns[kuk gS fd D;k ifjoknh }kjk nq?kZVuk fnukad dks fcuk okgu dk iath;u djk;s okgu dks pyk;k x;k Fkk \ 18- ifjoknh@mRrjoknh ds fo}ku vf/koDRkk dk rdZ gS fd okgu dk tc chek djk;k x;k ] rks chek daiuh dk dRrZO; Fkk fd ifjoknh ls iath;u izek.k&i= dh ekax djrk vkSj fcuk iath;u izek.k&i= ds chek ugha djuk Fkk vkSj izhfe;e dh jkf'k okil dj nsuk pkfg, Fkk vkSj ,d ckj tc dOgj uksV ;k ikWfylh tkjh dj fn;k x;k gS] rc chek daiuh vius // 13 // nkf;Ro ls cp ugha ldrk gS A ifjoknh ds fo}ku vf/koDrk dk rdZ Lohdkj ;ksX; ugha gS A 19- ifjoknh ds i{k esa vihykFkhZ@vukosnd@ba';ksjsal daiuh us dOgj uksV Øekad&38321437 tkjh fd;k x;k Fkk tks fd dOgj uksV esa Li"V :i ls mYysf[kr gS fd fnukad&23-03-2009 rd ds fy, izHkkoh Fkk A ikWfylh ds laca/k esa mYysf[kr gS fd fnukad&06-02-2009 ls 05-10-2010 dh vof/k ds fy, izHkkoh jgsxk A vihykFkhZ@vukosnd@ba';ksjsal daiuh }kjk c`ts'k dqekj dks losZ;j fu;qDr fd;k x;k Fkk vkSj c`ts'k dekj us vius fjiksVZ esa fof'k"V :i ls mYysf[kr fd;k gS fd ifjoknh }kjk d`f"k iz;kstu ds fy, VªsDVj dks Ø; fd;k Fkk vkSj ikWfylh izkIr fd;k Fkk ] ijarq mldk mi;ksx bZVk <ksus ds fy, O;olkf;d iz;kstu ds fy, dj jgk Fkk rFkk okgu fnukad&24-08-2008 dks Ø; fd;k x;k Fkk vkSj jftLVªs'ku fnukad&27-01-2010 dks djk;k x;k gS A lfVZfQdsV vkWQ jftLVªs'ku ]tks ifjoknh }kjk izLrqr fd;k x;k gS ] mlesa Hkh iath;u dk fnukad& 27-01-2010 mYysf[kr gS A bl izdkj ;g Li"V gS fd ifjoknh }kjk Ø; djus ds i'pkr~ ls ysdj fnukad&27-01-2010 ds iwoZ okgu dk iath;u ugha djk;k x;k Fkk A 20- /kkjk&39 eksVj ;ku vf/kfu;e] 1988] esa ;g crk;k x;k gS fd%& /kkjk&39- jftLVªhdj.k dh vko';drk& fdlh lkoZtfud LFkku esa vFkok fdlh vU; LFkku esa fdlh eksVj ;ku dks dksbZ // 14 // O;fDr rHkh pyk,xk vkSj dksbZ eksVj ;ku dk Lokeh rHkh pyk,xk ;k pykus dh vuqKk nsxk tc og ;ku bl v/;k; ds vuqlkj jftLVªhd`r gks rFkk ;ku dk jftLVªhdj.k izek.k&i= fuyafcr ;k jn~n u fd;k x;k gks ;k ;ku ij jftLVªhdj.k fpUg fofgr jhfr ls iznf'kZr gks% ijUrq bl /kkjk dh dksbZ ckr ,slh 'krksZa ds v/khu jgrs gq, tks dasanzh; ljdkj }kjk fofgr dh tk,a fdlh O;ogkjh ds dCts esa ds eksVj ;ku dks ykxw ugha gksxhA
21. Narinder Singh vs. New India Assurance Company Limited & Others II (2013)CPJ 20 A (NC) esa ekuuh; loksZPp U;k;ky; }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& "14. Indisputably, a temporary registration was granted in respect of vehicle in question, which had expired on 11.1.2006 and the alleged accident took place on 2.2.2006 when the vehicle was without registration. Nothing has been brought on record by the appellant to show that before or after 11.1.2006, when the period of temporary registration expired, the appellant owner of the vehicle either applied for permanent registration as contemplated under Section 39 of the Act or made any application for extension of period as temporary registration on the ground of some special reasons. In our view, therefore, using a vehicle on the public road without any registration is not only an offence punishable under Section 192 of the Motor Vehicles Act but also a fundamental breach of the terms and conditions of the policy contract."
15. In the aforesaid premises, we do not find any infirmity in the order passed by the State Commission and the National Commission."
22. Bhagwat vs. The United India Insurance Company Limited, IV (2014) CPJ 698 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk vfHkfu/kkZfjr fd;k x;k gS fd %&petitioner never applied before Regional Transport Officer for getting permanent registration of the vehicle and for failure to meet statutory requirement regarding registration of the vehicle, the complainant was not entitled to get claim even on non-standard basis.
// 15 //
23. Din Dayal vs. National Insurance Company Ltd. & Anr. I (2013) CPJ 10 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& "5. These arguments do not sound very convinced. Section 39 of the Motor Vehicles Act, 1988 lays down that the registration of the vehicle is mandatory requirement of law to drive the vehicle on any place or any other place. In support of his case, the State Commission has placed reliance upon the order of this Commission in the case of Kaushalendra Kumar Mishra v. Oriental Insurance Company Limited, I (2012) CPJ 559. Consequently, there was violation of Section 39 of the Motor Vehicles Act. [See also Iffco Tokio General Insurance Co. Ltd. & Anr. v. Pratap Bhagwan Patil, II (2015) CPJ 739 (NC)].
24. Niranjan Kumar Yadav vs. National Insurance Co. Ltd., II (2011) CPJ 64 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& "4................ On the contention of the present revision petitioner that the registration was already applied for and was pending with the registering authority, the State Commission has made the following categorical observations :-
"If permanent registration cannot be done for the delay of the office of the registering authority then it must have temporary registration. Legality is the essence of all agreement. If it is violative of law, any contract or agreement is bound to fail, may there be otherwise expressed provision in the terms and condition of the agreement or not. The appellant failed to show any temporary registration number. He also failed to show any receipt of the application for registration to prove that he had applied for registration before the mishap."
5. In view of this observation of the State Commission, the claim of the Revision Petitioner/Complainant that the registration was pending before the Registering Authority, looses all credibility."
// 16 //
25. Saleena Rani vs. United India Insurance Co. Ltd. & Another, I (2015) CPJ 220 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& temporary registration was valid only for period of one month. The petitioner did not get vehicle registered with concerned authority in accordance with provisions of Motor Vehicles Act, 1988. Petitioner itself was at fault. After expiry of temporary registration she did not apply before concerned authority in accordance with provisions of Motor Vehicles Act, 1988.
26- ifjoknh }kjk bl izdj.k esa ,slk dksbZ nLrkost izLrqr ugha fd;k x;k gS] ftlls izdV gks fd ] dOgj uksV vkSj ikWfylh izkIr djus ds i'pkr~ ,oa dfFkr nq?kZVuk fnukad rd okgu dks iath;u djkus ds fy, fdlh izdkj dk dksbZ vkosnu&i= vkj-Vh-vks- dk;kZy; esa ifjoknh us izLrqr fd;k Fkk ;k jftLVªs'ku djkus ds fy, dksbZ dk;Zokgh fd;k Fkk vkSj bl izdkj ;g Li"V gS fd ifjoknh iz'uk/khu okgu dk mi;ksx fcuk iath;u djk;s djrk jgk gS vkSj ,d o"kZ 5 ekg rd okgu dk mi;ksx ifjoknh }kjk fd;k x;k gS ]tks fd fuf'pr~ gh /kkjk&39 eksVj Oghdy ,DV 1988 ds izko/kku dk mYya?ku gS vkSj ifjoknh }kjk fd;k x;k mDr d`R; dsoy /kkjk&192 eksVj Oghdy ds varxZr n.Muh; gh ugha gS ] vfirq ewyHkwr mYya?ku gS vkSj ifjoknh us ftl U;k; n`"Vkar dk voyacu fy;k gS ] mldk ykHk ifjoknh dks bl izdj.k esa ifjoknh ugha feyrk gS A 27- mijksDr foospuk ds ifjizs{; esa] ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&18-02-2015 =qfViw.kZ gS vkSj fLFkj j[ks tkus ;ksX; ugha gS A vr% vihykFkhZ dk vihy Lohdkj fd;k tkrk gS A ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&18-02-2015 vikLr fd;k tkrk gS A ifj.kker% // 17 // ifjoknh dk ifjokn fujLr fd;k tkrk gS A izdj.k dh ifjfLFkfr dks ns[krs gq, bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxs A ¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼ lqJh ghuk BDdj ½ ¼Mh-ds-iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL;k lnL; lnL;
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