State Consumer Disputes Redressal Commission
The Oriental Insurance Co.Ltd. vs Prahlad Roy Agrawal on 17 November, 2015
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LFkku rd ys tk jgk Fkk fd js.k unh ds ikl ds'ko uxj esa nks cSyksa ds yM+us ds dkj.k mls cpkus esa okgu nq?kZVukxzLr gks xbZA mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd chek daiuh dks Dyse izi= ,oa okgu {kfr dk fcy 3]05]682-88 ¼rhu yk[k ikap gtkj N% lkS c;klh :Ik;s vBklh iSls½ dk fn;s tkus ij vihykFkhZ@vukosnd }kjk fnukad&20-12-2013 dks Dyse nsus ls badkj dj fn;k x;kA mRrjoknh@ ifjoknh }kjk [kkyh okgu dks Lo;a ds d`f"k dk;Z gsrq xarO; LFkku ij ys tk;k tk jgk Fkk ftldk mi;ksx ifjogu okgu ds :Ik esa ugha fd;k tk jgk Fkk rFkk MªkbZOgj ds ikl oS/k ykbZlsal FkkA bl izdkj vihykFkhZ@ vukosnd }kjk mRrjoknh@ifjoknh dk Dyse fujLr dj fn;s tkus ds dkj.k mRrjoknh@ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA // 3 // 03- vihykFkhZ@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ifjokn&i= ds egRoiw.kZ vfHkopuksa dks vLohdkj djrs gq, ;g vfHkopu fd;k x;k gS fd mRrjoknh@ifjoknh dk gYdk eky okgd okgu fidvi dzekad&lh-th-15,@6883 chek ikWfylh dh 'krksZa ds rgr 1]45]800@&¼,d yk[k iSarkyhl gtkj vkB lkS :Ik;s½ gsrq fnukad& 15-11-2012 ls fnukad&14-11-2013 rd chfer FkkA okgu dh {kfr dh lwpuk izkIr gksrs gh okgu dh {kfr dk vkadyu losZ;j Jh ih- ds- vxzoky ls djk;k x;k ftUgksaus okgu dh {kfr usV vkWQ lkYost csfll ij djrs gq, vkbZ- Mh- Ogh- 1]45]800@&¼,d yk[k iSarkyhl gtkj vkB lkS :Ik;s½ esa ls lkYost dk 60]000@&¼lkB gtkj :Ik;s½ de fd;k gS ftl ij 85]800@&¼ipklh gtkj vkB lkS :Ik;s½ gksrk gS rFkk ikWfylh ,Dlsl ds rgr 500@&¼ikap lkS :Ik;s½ dh dVkSrh dh tkdj okLrfod {kfr jkf'k&85]300@&¼ipklh gtkj rhu lkS :i;s½ fd;k gS ijUrq mRrjoknh@ifjoknh }kjk chek ikWfylh dk ?kksj mYya?ku fd;k x;k gS ,slh fLFkfr esa losZ;j }kjk vkadfyr {kfr jkf'k mRrjoknh@ifjoknh izkIr djus dk vf/kdkjh ugha gSA nq?kZVuk ds le; chfer okgu dk pkyu ukjk;.k flag dj jgk Fkk ftldk pkyd vuqKfIr&i= dzekad&lh-th- 15@2003@0003287 gS ftldk lR;kiu vUos"kd Jh uUn fd'kksj ik.Ms; ls djk;k x;k ftldh fjiksVZ ds vuqlkj mijksDr pkyu vuqKfIr i= ek= gYdk okgu pkyu djus gsrq gS tcfd chfer okgu gYdk eky okgd okgu gS ftls pkyu gsrq VªkaliksVZ pkyd vuqKfIr i= gksuk pkfg, ijUrq mijksDr pkyd ds ikl VªkaliksVZ okgu pkyu dk oS/k ,oa izHkkoh pkyd vuqKfIr i= ugha Fkk tks fd chek ikWfylh dk ?kksj mYya?ku gS vkSj ftlds dkj.k mRrjoknh@ifjoknh dk nkok vihykFkhZ@vukosnd }kjk fujLr fd;k x;k gSA vihykFkhZ@vukosnd }kjk lsok esa dksbZ deh ugha dh xbZ gSA mRrjoknh@ifjoknh] vihykFkhZ@vukosnd ls fdlh Hkh izdkj dh jde izkIr djus dk vf/kdkjh ugha gSA vr% mRrjoknh@ifjoknh dk ifjokn fujLr fd;k tkosA // 4 // 04- ftyk Qksje us mHk;i{k dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFk&i=ksa ds ifj'khyu Ik'pkr~ mRrjoknh@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gSA 05- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k eksVj nkok izi= (Annexure A-1)] chek ikWfylh (Annexure A-2)] lfVZfQdsV vkWQ fQVusl (Annexure A-3)] lfVZfQdsV vkWQ jftLVªs'ku (Annexure A-4)] MªkbZfoax ykbZlsal (Annexure A-5)] LVkj vkWVkseksckbZYl dk dksVs'ku fnukad&11-07-2013 (Annexure A-6)] vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&20-12-2013 (Annexure A-7) dh QksVks dkih izLrqr fd;k gSA 06- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&20-12-2013 (Annexure D-1)] chek ikWfylh (Annexure D-2)] vUos"kd uUn fd'kksj nqcs }kjk vihykFkhZ@vukosnd dks izsf"kr okgu iath;u lR;kiu fnukad&10-10-2013 (Annexure D-3)] okgu fooj.k fnukad&09-10- 2013 (Annexure D-4)] lfVZfQdsV vkWQ jftLVsª'ku (Annexure D-5)] vUos"kd uUn fd'kksj nqcs }kjk vihykFkhZ@vukosnd dks iszf"kr pkyu vuqKfIr i= fnukad&10-10-2013 (Annexure D-6)] ba';ksjsal gksYMj fMVsYl (Annexure D-7)] losZ fjiksVZ fnukad&12-09-2013 (Annexure D-8) dh QksVks dkih izLrqr fd;k gSA // 5 // 07- vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ,y- ds- tks'kh dk ;g rdZ gS fd ftyk Qksje }kjk ikfjr vkyksP; vkns'k =qfViw.kZ gS vkSj fujLrh ;ksX; gSA iz'uk/khu okgu LGV (Light Goods Vehicle) okgu Fkk tcfd pkyd ds ikl LMV (Light Motor Vehicle) pykus dk MªkbZfoax ykbZlsal FkkA bl izdkj nq?kZVuk fnukad dks dfFkr pkyd ukjk;.k flag ds ikl izHkko'khy MªkbZfoax ykbZlsal ugha Fkk vkSj bl izdkj mRrjoknh@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS vkSj chek 'krksZa ds mYya?ku gksus ds dkj.k ls vekud (Non Standard Basis) vk/kkj ij Hkh {kfriwfrZ jkf'k ugha fn;k tk ldrk gS vkSj ftyk Qksje us vekud (Non Standard Basis) vk/kkj ij tks {kfriwfrZ jkf'k fnyk;k gS og =qfViw.kZ gSA vr% vihykFkhZ@vukosnd ba';ksjsal daiuh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k fujLr fd;k tkosA vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls bl laca/k esa ICICI Lombard General Insurance Co. Ltd. Vs. Mainuddin I (2015) CPJ 328 (NC) dk voyacu fy;k gSA 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ujsanz dqekj lkgw dk ;g rdZ gS fd ftyk Qksje dk vkns'k fof/k lEer vkns'k gSA pkyd ukjk;.k flag ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal FkkA vxj eku ysa fd nq?kZVuk ds le; dsoy gYdk ;ku pykus ds fy, MªkbZfoax ykbZlsal Fkk rks Hkh vekud (Non Standard Basis) vk/kkj ij {kfriwfrZ ikus dk vf/kdkjh gS vkSj ftyk Qksje us losZ;j fjiksVZ dks vk/kkj ekudj vekud (Non Standard Basis) vk/kkj ij tks {kfriwfrZ jkf'k fnyk;k gS og iw.kZr% mfpr gS] mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA // 6 // 09- geus mHk;i{k ds fo)ku vf/koDrkvksa dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 10- ftyk Qksje us fopkj.kh; fcUnq dzekad&1 esa dafMdk&9 esa ;g mYysf[kr fd;k gS fd **vihykFkhZ@vukosnd dh vksj ls pkyd ds pkyd vuqKfIr dk lR;kiu izn'kZ Mh&6 ,oa pkyd vuqKfIr ds ifVZdqylZ izn'kZ Mh&7 izLrqr fd;k x;k gS ftlds vuqlkj pkyd ukjk;.k flag ds uke ij fnukad&01-09-2003 dks ,y- ,e- Ogh- gYdh eksVj ;ku pykus gsrq vkj- Vh- vks- vfEcdkiqj }kjk MªkbZfoax ykbZlsal tkjh fad;k x;k gS ftldh E;kn fnukad&02-08-2022 rd gS] mDr ifVZdqylZ fnukad&10-02-2013 dks vkj- Vh- vks- vfEcdkiqj ls fuxZfer fd;k x;k gSA mlds iwoZ gYdh eksVj ;ku ds vfrfjDr vU; ifjogu ;ku pykus gsrq dksbZ vH;kosnu djus ;k i`"Bkafdr djkus dk dksbZ lk{; ugha gSA mDr izn'kZ Mh&6 ,oa Mh&7 ds nksuksa nLrkost vUos"kd Jh uUn fd'kksj nqcs ds 'kiFk&i= ls lefFkZr gS** rFkk ftyk Qksje us mijksDr foospuk ds vk/kkj ij ;g fu"d"kZ fudkyk gS fd **nq?kZVuk ds le; pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal gksuk izekf.kr ugha gS** ijUrq ftyk Qksje us vekud (Non Standard Basis) vk/kkj ij {kfriwfrZ dh jkf'k iznku fd;k gSA 11- mRrjoknh@ifjoknh dh vksj ls ,d MªkbZfoax ykbZlsal dh Nk;kizfr izLrqr fd;k x;k gS ijUrq mDr Nk;kizfr ds ifj'khyu ls ;g izdV ugha gksrk gS fd og MªkbZfoax ykbZlsal fdlds uke ij gS rFkk MªkbZfoax ykbZlsal iw.kZr% iBuh; ugha gSA blds foijhr vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls uUn fd'kksj nqcs }kjk e.My izca/kd] vksfj,aVy ba';ksjsal daiuh fyfeVsM dks i= fy[kk x;k gS ftlesa vuqKfIr /kkjd ukjk;.k flag ds ckjs esa crk;k x;k gS fd mlds ikl dsoy LMV (Light Motor Vehicle) pykus dk gh MªkbZfoax ykbZlsal gS rFkk vkj- Vh- vks- dk;kZy; vfEcdkiqj ls ,d // 7 // ifVZdqylZ tkjh fd;k x;k gS ftlesa Hkh okgu dzekad&lh-th-15,@6883 ds laca/k esa crk;k x;k gS fd og LGV (Light Goods Vehicle) gS rFkk tks lfVZfQdsV vkWQ jftLVªs'ku izLrqr fd;k x;k gS mlesa Hkh okgu dks LGV ¼fidvi½ crk;k x;k gS rFkk ykbZlsaflax vFkkWfjVh vfEcdkiqj }kjk tks ifVZdqylZ tkjh fd;k x;k gS mlesa Hkh ;g mYysf[kr gS fd ukjk;.k flag vk- vdyw flag ds i{k esa dsoy LMV (Light Motor Vehicle) dk MªkbZfoax ykbZlsal tkjh fd;k x;k gS vkSj mlesa fdlh izdkj dk dksbZ i`"Bkadu LGV (Light Goods Vehicle) ds ckjs esa ugha gSA 12- vc ns[kuk gS fd D;k fdlh O;fDr ds ikl LMV (Light Motor Vehicle) pykus dk MªkbZfoax ykbZlsal gS] ml MªkbZfoax ykbZlsal ds vk/kkj ij og LGV (Light Goods Vehicle) pykus ds fy, l{ke gS\ mRrjoknh@ifjoknh us vius ifjokn&i= esa eSDl fidvi okgu fy[kk gqvk gS rFkk mRrjoknh@ifjoknh dh vksj ls lfVZfQdsV vkWQ jftLVsªs'ku dh dkih izLrqr fd;k x;k gS mlesa Hkh okgu dks LGV ¼fidvi½] efgUnzk ,aM efgUnzk fyfeVsM crk;k x;k gSA vUos"kd uUn fd'kksj nqcs }kjk e.My izca/kd dks Hksts x, i= easa Hkh okgu dk tks ifVZdqylZ fn;k x;k gS mlesa okgu dk izdkj LGV vkSj okgu ds fooj.k esa efgUnzk ,aM efgUnzk fidi mYysf[kr gSA ba';ksjsal lfVZfQdsV de ikWfylh 'ksM~;wy esa ifCyd dSfj;lZ okgu ds laca/k esa ikWfylh tkjh fd;s tkus dk mYys[k gSA bl izdkj ;g Li"V gS fd tks okgu gS og LGV (Light Goods Vehicle) okgu gSA 13- /kkjk&2 ¼14½ esa eky okgu dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj%& ¼14½ **eky okgu** ls ,slk dksbZ eksVj ;ku vfHkizsr gS tks dsoy eky <ksus ds fy, fufeZr ;k vuqdwfyr gS ;k ,slk // 8 // dksbZ eksVj ;ku Hkh] tks ,sls fufeZr ;k vuqdwfyr ugha gS] ml n'kk esa vfHkizsr gS tcfd mldk mi;ksx eky <ksus esa fd;k tkrk gSA rFkk /kkjk&2 ¼21½ esa gYdk eksVj ;ku dks ifjHkkf"kr djrs gq, crk;k x;k gS fd%& ¼21½ **gYdk eksVj ;ku** ls vfHkizsr gS ,slk dksbZ ifjogu ;ku ;k cl ftlesa ls fdlh dk ldy ;ku Hkkj] ,slh eksVj dkj ;k VªSDVj ; jksM&jksyj ftlesa ls fdlh dk ynku jfgr Hkkj] 7]500 fdyksxzke ls vf/kd ugha gSA vkSj e/;e eky ;ku ds laaca/k esa /kkjk&2 ¼23½ esa crk;k x;k gS fd%& ¼23½ **e/;e eky ;ku** ls gYds eksVj ;ku ;k Hkkjh eky ;ku ls fHkUu dksbZ eky okgu vfHkizsr gSA 14- lfVZfQdsV vkWQ jftLVªs'ku ls Li"V gS fd okgu dzekad&lh-th- 15,@6883 dk ynku jfgr Hkkj 1400 fdyks xzke vkSj ynku lfgr Hkkj 2300 fdyks xzke gS rFkk lfVZfQdsV vkWQ jftLVªs'ku ,oa ba';ksjsal ikWfylh ds ifj'khyu ls Li"V gS fd dfFkr okgu LGV ¼Light Goods Vehicle½ ds varxZr vkrk gS vkSj pkyd ukjk;.k flag ds laca/k esa tks vUos"kd uUn fd'kksj nqcs }kjk tks i= izsf"kr fd;k x;k gS vkSj ykbZlsaflax vFkkWfjVh vfEcdkiqj }kjk tks ifVZdqylZ tkjh fd;k x;k gS mlds vuqlkj pkyd ukjk;.k flag ds ikl LMV (Light Motor Vehicle) dks pykus ds fy, gh MªkbZfoax ykbZlsal Fkk tcfd iz'uk/khu okgu LGV (Light Goods Vehicle) gSA bl izdkj pkyd ukjk;.k flag ds ikl dsoy LMV (Light Motor Vehicle) pykus ds fy, MªkbZfoax ykbZlsal Fkk u fd LGV (Light Goods Vehicle) pykus dkA // 9 // 15- ICICI Lombared General Insurance Co. Ltd. Vs. Mainuddin (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. Learned counsel for the petitioner has drawn my attention to Sri Annappa Irappa Nesaria case (Supra) in which it was observed that light motor vehicle continued at the relevant point of time to cover both light passenger carriage vehicle and light goods carriage vehicle and driver who had a valid driving licence to drive light motor vehicle was authorized to drive light goods vehicle. This case pertains to accident on 09.12.1999, whereas in the case in hand, vehicle met with an accident on 31.10.2006 and by that time, necessary amendments in Motor Vehicle Act had already been incorporated. Hon'ble Apex Court in III (2009) SLT 586=II (2009) ACC 313 (SC)=C.A. No. 1102 of 2009- Oriental Ins. Co. Ltd. V. Angad Kol & Ors., referred Sri Annappa Irappa Nesaria case and observed that from 28.03.2001, amendment has been carried out in Motor Vehicle Act and there is distinction between light motor vehicle and a transport vehicle and ultimately held that respondent was not holding valid and effective driving licence for driving goods vehicle which amounted to breach of conditions of the insurance policy as in the aforesaid case driver of the vehicle was holding licence to drive light motor vehicle . In the case in hand also driver of the vehicle was holding licence to drive LMV non- transport and as at the time of accident he was driving goods vehicle, licence held by him was not valid driving licence for driving goods vehicle. To drive a transport vehicle licence is issued for 3 years, whereas for driving light motor vehicle, licence is issued for 20 years. Licence issued to driver Gulappa Hadpad which was valid from 20.09.2004 to 19.09.2024, but he was not permitted to drive Transport Vehicle. Hon'ble Apex Court in IV (2008) ACC 759 (SC)=C.A. No. 3496 of 2008- New India Assurance Co. Ltd. v. Roshanben Rahemansha Fakir & Anr., also referred Sri Annappa Irappa Nesaria case and // 10 // observed that light motor vehicle would not include light transport vehicle and on that basis, order allowing claim against Insurance Company was set aside."
16- Sandeep Kumar Vs. Iffco Tokio General Insurance Company Ltd.
& Anr. II (2014) CPJ 505 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "11. This Commission in the case of Mudipalli Ellappa Ravi v. M/s. Royal Sundram Alliance Insurance Co. Ltd., IV (2012) CPJ 816 (SC)=revision petition No. 1272 of 2012 decided on 06.09.2012, held:
"We have heard Counsel for the petitioner and have considered her submissions. She only submits that the violation of the terms and conditions of the policy could be waived by the respondent Insurance Company and the claim could have been settled at least on non-standard basis, if not, as full claim going by the decision of Supreme Court in the case of Amlendu Sahoo v. Oriental Insuracne Co. Ltd., (decision dated 25.03.2010 in Civil Appeal No. 2703/2010). We have noted down these submissions only to be rejected because if the nature and kind of breach of the terms and conditions of the policy did not entitle the petitioner even the settlement of his claim even on non-standard basis. The breach being of fundamental in nature, we see no merit in these contentions. The order passed by the State Commision is justified on record and does not suffer from any illegality, material irregularity, much less any jurisdictional error, which warrants interference of this Commission. Dismissed."
// 11 //
13. In another case, National Insurance Co. Ltd. v. Prithipati Satthiyya and Ors. IV (2011) CPJ 133 (SC) = Revision Petition No.2717 of 2007, a Bench of this Commission, headed by Hon'ble Mr. Justice Ashok Bhan, held :
"The driver of the vehicle in question was holding a license to drive LMV only and there was no endorsement on the licence authorizing him to drive the taxi which was a transport vehicle to carry passengers. The Hon'ble Supreme Court in the judgment in the case of New India Assurance Co. Ltd. v. Prabhu Lal, I (2008) CPJ 1 (SC), held that if driver of the vehicle did not have a valid licence to drive the transport vehicle, the Insurance Company is not liable to reimburse for the loss caused to the vehicle in the accident."
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