State Consumer Disputes Redressal Commission
Madan Lal Tated(Jain) vs National Insurance Co.Ltd. on 10 January, 2018
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// 2 //
2- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj
jgk gS fd ifjoknh cqysjks okgu dz- C.G.-04/HB/6932 dk iathd`r Lokeh
gS] ftldk chek izkbosV dkj iSdst ikWfylh ds varxZr fnukad 22-01-2014
ls fnukad 21-01-2015 rd ds fy, vukosnd }kjk fd;k x;k gSA ifjoknh
vius okgu cqysjks dz- C.G.-04/HB/6932 dks ds'kdky esu jksM vius ?kj
ds lkeus [kM+h fd;k Fkk] tks fnukad 04-03-2014 dks jkf= yxHkx 8%00
cts pksjh gks xbZ] ftldh rRdky fjiksVZ fy[kkus Fkkus esa x;k FkkA Fkkuk
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[kkstchu dj yksA og viuh pksjh xbZ okgu dk [kkstchu dj jgk Fkk]
ugha feyus ij fnukad 11-03-2014 dks fjiksVZ ntZ djk;k rFkk vukosnd
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ifjoknh dk nkok vkosnu fujLr dj fn;k x;kA ifjoknh {kfriwfrZ izkIr
djus ds fy, dbZ ckj vukosnd chek daiuh ds dk;kZy; x;kA vukosnd
chek daiuh ds vf/kdkfj;ksa ds }kjk {kfriwfrZ fnyk;s tkus dk vk'oklu
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fnyk;s tkus dk fuosnu fd;k gSA
3- ifjoknh }kjk ifjokn i= esa fd;s x;s vfHkdFku ds leFkZu esa
Lo;a dk 'kiFk i= fnukafdr 10-02-2017 rFkk lwph vuqlkj nLrkostks dh
QksVksizfr izLrqr fd;k gSA
4- vukosnd }kjk ftyk Qksje ds le{k tokcnkok izLrqr dj
vfHkopu fd;k x;k fd chek ,d lafonk gS ftlesa 'krksZ dk ikyu nksuksa
i{k ds }kjk fd;k tkrk gS] ifjoknh ds okgu dz- C.G.-04/HB/6932
fnukad 04-03-2014 dks pksjh dks xbZ] ftldh lwpuk ifjoknh ds }kjk
// 3 //
fnukad 10-03-2014 dks ntZ djk;k x;k gS rFkk chek dEiuh dks fnukad
16-03-2014 dks 12 fnuksa ds i'pkr~ lwpuk nh xbZ gSA tcfd ikWfylh 'krZ
ds vuqlkj vukosnd dEiuh dks rRdky fyf[kr lwpuk fn;k tkuk pkfg,
FkkA bl rjg ifjoknh ds }kjk ikWfylh 'krksZ dk mYya?ku fd;k x;k gS]
ftlls og dksbZ Hkh {kfr jkf'k izkIr djus dk vf/kdkjh ugha gSA ifjoknh
vius okgu dks [kqys 'ksM esa ykokfjl gkyr esa [kM+h fd;k FkkA mDr 'ksM
esa dksbZ njoktk ugha yxk Fkk vkSj u gh dksbZ ?ksjk FkkA ifjoknh ds }kjk
okgu dh ,d pkch xqe gks tkus dh ckr fnukad 01-07-2015 dks crkbZ
x;h gSA bl rjg pksjh gksus ds iwoZ gh ifjoknh ds okgu dh ,d pkch
xqe gks xbZA ifjoknh ds }kjk lsUVj ykWd dks cnyus dk iz;kl ugha
fd;k x;k gSA pksjh gksus ds fy, ifjoknh Lo;a dk ykijokgh iwoZd fd;k
d`R; ftEesnkj gSA mDr vk/kkj ij vukosnd }kjk ifjoknh dk ifjokn
fujLr fd;s tkus dk fuosnu fd;k x;k gSA
5- vukosnd }kjk ftyk Qksje ds le{k vius tokcnkok ds leFkZu
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mRrjnk;h ugha gS] fujLr fd;k x;k] ftlds fo:) ;g vihy gSA
7- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku
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O;ogkj ds fy, izdj.k dk leqfpr ewY;kadu ugha fd;k x;k gSA
vihykFkhZ@ifjoknh dk okgu fnukad 04-03-2014 dks mlds ?kj ds lkeus
ls pksjh gqvk gS] ftyk Qksje }kjk fnukad 10-03-2014 dks yxHkx 5 fnu
// 4 //
ds foyac ls iqfyl Fkkuk esa lwpuk nsus ds dkj.k ifjokn Lohdkj ugha
gqvk gSA ftyk Qksje }kjk bl fcUnq ij vihykFkhZ@ifjoknh }kjk izLrqr
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esa Li"V :i ls mYys[k gS fd vihykFkhZ@ifjoknh okgu dks [kkst jgk Fkk
vkSj ,slk funsZ'k iqfyl Fkkuk ds'kdky esa tc og fnukad 05-03-2014 dks
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rjg vihykFkhZ@ifjoknh us Lo;a iqfyl dh dsl Mk;jh izLrqr dh gS
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okgu fnukad 05-03-2014 ls 10-03-2014 rd [kkstrk jgkA dsl Mk;jh
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Li"V fooj.k gS fd vihykFkhZ@ifjoknh us okgu [kkstus dk iwjk iz;kl
fd;kA blfy, ;g dguk fd vihykFkhZ@ifjoknh ?kVuk ds rqjar i'pkr~
okgu ds pksjh dh lwpuk 12 fnu foyac ls dEiuh dks nsus dk dFku
xyr gks tkrk gSA ftyk Qksje }kjk bl fcUnq ij /;ku ugha fn;k gS
tgka rd okgu dks [kqys 'ksM esa vlqjf{kr j[kus rFkk ,dpkch xqe gks
// 5 //
tkus dk vk{ksi gS Lo;a vUos"k.kdrkZ }kjk vius er esa ;g mYysf[kr
fd;k x;k gS fd ^^chek /kkjd Lo;a okgu dk mi;ksx djrs gq, cksysjks
dk lsUVªy ykWd djds vius ?kj ds lkeus 'ksM ds uhps [kM+h fd;k FkkA**
ftlls ;g izdV gksrk gS fd okgu pksjh ds iwoZ lsUVªy ykWd fLFkfr esa
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mlls varj ugha iM+rk D;ksafd okgu lsUVªy ykWd djds j[kk x;k FkkA
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fu"d"kZ xyr gks tkrk gS] D;ksafd okgu ykWd djds [kM+k fd;k x;k Fkk]
mRrjoknh@vukosnd chek daiuh us ,slk dqN Hkh fl) ugha fd;k gS
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vR;f/kd lpsr Fkk tSlk fd utjh uD'ks esa ftls vihykFkhZ@ifjoknh us
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tks QksVksxzk¶l izLrqr fd;s x;s gSA mlesa Hkh Li"V :i ls fn[k jgk gS
fd vihykFkhZ@ifjoknh dh nqdku dh 'kVj ls yxk gqvk 'ksM gS vkSj
mlh esa okgu j[kk gqvk FkkA vr% ;g dguk fd vihykFkhZ@ifjoknh us
okgu fcuk fdlh lko/kkuh ds j[kk Fkk xyr gks tkrk gSA ftyk Qksje
dks bl rF; ij Hkh fopkj djuk pkfg, Fkk fd mijksDr okgu chfer Fkk
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vr% vf/koDrk us mijksDr vk/kkj ij vihykFkhZ@ifjoknh dh vihy
Lohdkj fd;s tkus ,oa ftyk Qksje }kjk ikfjr vkns'k dks fujLr fd;s
tkus dk fuosnu fd;k x;k gSA
8- vihykFkhZ@ifjoknh ds fo}ku vf/koDrk }kjk fuEu U;k;n`"Vkarks ij
fo'okl fd;k x;k%&
1.Om Prakash Vs. Reliance General Insurance & anr. Civil Appeal No. 15611 of 2017(SC).
// 6 //
2. 2003(3) CPR 729(NC), Shri Sukhwinder Singh Vs. Cholamandalam. Decided on 30.08.2013.
3. 2013(4) CPR 803(SC), National Insurance Co. Ltd. Vs. Nitin Khandelwal.
4. II(2008) CPJ 483, General Insurance Co. Ltd. & anr. Vs. Abhijit Saini & anr. Decided on 18.1.2008.
5. 2017(4) CPR 728(SC), Om Prakash Vs. Reliance General Insurance & anr. Decided on 04.10.2017.
9- mRrjoknh@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih-ds-ikWy }kjk fyf[kr rdZ izLrqr dj ;g vk/kkj fy;k x;k fd vihykFkhZ@ifjoknh cksysjks dz- lhth 04 ,pch 6932 dk Lokeh gksdj chek/kkjd gS] vkSj chfer vof/k esa mDr okgu dh pksjh] mlds ?kj ds lkeus ls ^^jkf= izgj** dks gksuk cryk;k x;k gSA vr% loZizFke okgu dks ykijokghiwoZd lEiw.kZ jkf=dkfyu lqj{kk ds vHkko esa NksM+ fn;k tkuk izdV gksrk gSA fdlh Hkh chfer oLrq dks lqj{kk ds fy, i;kZIr mik; ds lkFk j[kk tkuk chek 'krZ dh lkjxfHkZr fo"k;oLrq gS] ,rn~ gsrq chek lafonk 'krZ dz- 04 egRoiw.kZ gksus ls n`"Vkafdr gSA mYysf[kr okgu dh pksjh gks tkus ds ckn vihykFkhZ@ifjoknh vius Lrj ij okgu <wa<rk jgk] vkSj iqfyl ds le{k foyac ls ,QvkbZvkj fy[kokus ds ckn chek dEiuh dks Hkh foyac ls lwpuk fn;k gS] tks {kE;uqdwy gSA ;g dFku Hkh ekU; ;ksX; ugha gS] D;ksafd vihykFkhZ@ifjoknh ds dFkukuqlkj gh tc fujarj o"kkZuqdze esa vFkkZr~ dbZ o"kksZ rd fcuk fdlh ckmaMjh okWy ds okgu dks yxkrkj vlqjf{kr j[kus dk midze okgu ds Lokeh us Lor% fd;k gS] rc okgu dh pksjh gksus ds ckn mls <aw<us dk iz;kl djuk dsoy viuh detksjh dks <duk n'kkZrk gS tc okgu dh pksjh fnukad 04-03-2014 dh e/; jkf= gks xbZ Fkh] rc 12 fnuksa ds ckn fnukad 16-03-2014 dks chek dEiuh ds le{k D;ksa lwpuk fn;k x;k\ mDr 12 fnuksa esa mYysf[kr okgu dks ?kVuk LFkku ls vR;ar nwj ys tkuk] okgu ds dyiwtksZa dks fofNUu fd;k tkuk vkSj mls fodz; fd, tkus gsrq fod`r Lo:i esa ifjofrZr // 7 // fd;k tkuk visf{kr gksrk gS] vr,o mDr o`gr fnuksa ds varjky esa tkucw>dj chek/kkjd us chek dEiuh dks rF;ksa dh lwpuk fn;k gSA chek/kkjd dk mDr d`R; chek lafonk 'krksZa dk ?kksj mYya?ku gSA vr,o vihykFkhZ@ifjoknh dksbZ Hkh vuqrks"k ikus dk ik= ugha gSA vf/koDrk }kjk mijksDr vk/kkj ij ftyk Qksje }kjk ikfjr vkns'k dk leFkZu djrs gq, vihykFkhZ@ifjoknh dh vihy fujLr fd;s tkus dk fuosnu fd;k x;k gSA 10- mRrjoknh@vukosnd ds fo}ku vf/koDrk }kjk fuEufyf[kr U;k;n`"Vkarks ij fo'okl fd;k x;k%&
1. C.G. State Commission- FA/2015/614 J.D. 28.04.2016, Vijay Chitpitwar Vs. IFFCO TOKIO G.I.C. Order dtd. 28.04.2016.
2. IV(2011) CPJ 135 (NC), Keshav Natu Mahatre Vs. New India Assur. Co. Ltd.& anr. decided on 02.08.2011.
3. III(2015) CPJ 128 (NC) Kailash Chandrakant Bhalerao & ors. Vs. ICICI Lombard G.I.C. decided on 11.02.2015.
4. II(2014) CPJ 10(NC) Oriental Insur. Co. Ltd. Vs. Delhi Assam Roadways Corp.
5. II(2016) CPJ 385(NC) Shamsur Alam Vs. Reliance General Insurance Co. Ltd. & ors.
6. III(2014) CPJ 134 (NC) Jagdish Prasad Bakshi Vs. Oriental Insurance Co. Ltd.
7. III(2014) CPJ 164 (NC) Paramjit Kaur Vs. Oriental Insurance Co. Ltd.
8. III(2014) CPJ 201(NC) Oriental Insurance Co. Ltd. Vs. K.K. Valsalan
9. IV(2012) CPJ 441(NC), New India Assurance Co. Ltd. Vs. Trilochan Jane.
10. IV(2014) CPJ 350(NC) Kulwant Singh Vs. United India Insurance Co. Ltd.
11. 2013 Part-1 CPJ page 60(NC), Suresh Kumar Vs. National Insur. Co. Ltd.
// 8 //
12. 2013 Part-1 CPJ page 69(NC), Joginder Singh Vs. New India Assurance Co. Ltd.
13. 2013 Part-1 CPJ page 71(NC), Virendra Kumar Vs. New India Assurance Co. Ltd.
14. III(2012) CPJ 59(NC) Om Prakash Vs. National Insurance Co. Ltd.
15. II(2012) CPJ 243(NC), Rajesh Kumar Vs. New India Assurance Co. Ltd.
16. I(2003) CPJ 10 (NC) Din Dayal Vs. National Insurance Co. Ltd. & anr.
17. 2017(1) CPR 197(NC) Reliance GIC Ltd. Vs. Arun Kumar Singh & anr.
11- 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 12- izdj.k ds U;k;ksfpr fujkdj.k gsrq gesa bl rF; ij fopkj.k djuk gS fd D;k mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh dks mlds okgu pksjh ds nkos dks fujLr dj lsok esa fuEurk dh gS\ 13- vihykFkhZ@ifjoknh }kjk vius ifjokn i= esa ;g vfHkopu fd;k gS fd og cksysjks okgu dz- lh-th-&04@,p-ch-&6932 dk iathd`r Lokeh gSA ftldh iqf"V lfVZfQdsV vkWQ jftLVª'ku rFkk ba';ksjsal ikfylh ls gksrh gS vkSj bl izdkj ;g Li"V gS fd mDr okgu dzekad lh-th- &04@,p-ch-&6932 dk vihykFkhZ@ifjoknh Lokeh Fkk vkSj mDr okgu mRrjoknh@vukosnd ds ikl fnukad 22-01-2014 ls ysdj fnukad 21-01- 2015 dh vof/k ds fy;s chfer FkkA vihykFkhZ@ifjoknh ds vuqlkj pksjh dh ?kVuk fnukad 04-03-2014 dh njfe;kuh jkr dks gqbZ gSA bl izdkj tc pksjh dh ?kVuk gqbZ ml le; okgu mRrjoknh@vukosnd ds ikl chfer FkkA // 9 // 14- vihykFkhZ@ifjoknh dh vksj ls izFke lwpuk i= izLrqr fd;k x;k gSA izFke lwpuk i= esa Hkh ?kVuk ds fnukad 04-03-2014 dh jkf= 8%00 cts crk;k x;k gS vkSj Fkkus esa lwpuk nsus dh frfFk 10-03-2014 gSA bl izdkj ?kVuk ds 6 fnu ckn Fkkus esa fjiksVZ ntZ djk;k x;k gS rFkk chek daiuh dks izFke ckj fnukad 16-03-2014 dks fyf[kr lwpuk fn;k x;k gSA bl izdkj ?kVuk dh fjiksVZ 6 fnu ckn iqfyl Fkkus esa ,oa chek daiuh dks ?kVuk dh lwpuk yxHkx 12 fnu ckn izsf"kr fd;k x;k gSA 15- mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh ds nkos dks bl vk/kkj ij fd okgu pksjh dh lwpuk mRrjoknh@vukosnd dks 20 fnu foyac ls nh xbZ gS fujLr fd;k x;k gSA mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh dks izsf"kr jsiqfM;s'ku i= fuEukuqlkj gS%& us'kuy bU';ksjsUl dEiuh fyfeVsM ¼Hkkjr ljdkj dk ,d midze½ Without prejudice By Registered Post Date: 22.11.2016 To, Shri Madan Lal Teted Near State Bank of India Main Road, Keshkal,(C.G.) Re: Repudiation of Your Motor Claim No: 285302/31/13/6190000176 Policy No: 285302/31/13/6100008953 Vehicle No: CG-04-HB-6932 Date of Loss: 04.03.2014 Sir, In refefence to the above said claim, please note that:-
The condition No.1 of Private Car Package Policy reads as under:-
"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim and thereafter the insured shall give all such information and assistance as the Company shall require. Every letter claim writ summons and/or process or copy there of shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the Company immediately the insured shall have knowledge of any impending prosecution, inquest or fatal inquiry in respect of any occurrence which may give rise to a claim under this Policy. In case of theft or criminal act which may be the subject of a claim // 10 // under this Policy the insured shall give immediate notice to the police and co- operate with the Company in securing the conviction of the offender."
But in your case intimation to us was given on 24.3.2014, i.e. after 20 days from the date of theft whereas intimation to Police Authority (FIR was lodged on 10.03.2014) was given after 6 days from the date of theft.
We are sorry to inform that due to the breach of condition No-1 of our policy, the competent authority has repudiated your above said claim as NO CLAIM Thanking You, (Authorized Signatory) Cc to: Divisional Manager, Raipur DO 16- loZizFke gesa ;g ns[kuk gS fd D;k vihykFkhZ@ifjoknh }kjk mRrjoknh@vukosnd dks okgu pksjh dh lwpuk 20 fnu ckn nh xbZ gS\ 17- nLrkostksa ds voyksdu ls ;g fofnr gksrk gS fd vihykFkhZ@ifjoknh }kjk mRrjoknh@vukosnd dks pksjh dh lwpuk 20 fnu ckn ugha oju 12 fnu ckn gh ns nh xbZ FkhA mRrjoknh@vukosnd }kjk vius tokcnkos dh dafMdk 3 esa Lo;a ;g vfHkdFku fd;k gS fd ^^vkosnd ds izdj.k esa mlds okgu dzekad lh-th-&04@,p-ch-&6932 dh fnukad 04-03-2014 dh jkf= pksjh gksus dh 7 fnuksa i'pkr~ ,Q-vkbZ-vkj- fnukad 10-03-2014 dks ntZ djk;k gS ,oa chek daiuh dks 12 fnuksa ds ckn fyf[kr lwpuk fnukad 16-03-2014 dks fn;k x;k gSA** blh izdkj Qksje QkbZy ds i`"B la[;k 67 eas ^^okgu nkok lwpuk i=** esa Hkh lwpuk izkIr gksus dh frfFk 16-03-2014 vafdr gS tks ?kVuk fnukad 04-03-2014 ls 12 fnu ckn dh gSA blh izdkj Qksje QkbZy ds i`"B la[;k 73 esa layXu mRrjoknh@vukosnd chek daiuh ds dk;kZy; i= esa tks 12-08-2016 dks fy[kk x;k gS rFkk ftldk dzekad 285300@eksVj Dyse@16 gS dh dafMdk 2 eas ;g mYysf[kr gS ^^Intimation to office was even on 16.03.2014 after 12 days" bl izdkj ;g Li"V :i ls izekf.kr gksrk gS // 11 // fd vihykFkhZ@ifjoknh }kjk okgu pksjh dh ?kVuk dh lwpuk mRrjoknh@vukosnd dks 20 fnu ckn ugha oju 12 fnu ckn nh FkhA 18- 2017(4) CPR 728 (SC), Om Prakash Vs. Reliance General Insurance and Anr. Decided on 04.10.2017. esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "11. It is common knowledge that a person who lost his vehicle may not straightaway go to the Insurance Company to claim compensation. At first, he will make efforts to trace the vehicle. It is true that the owner has to intimate the insurer immediately after the theft of the vehicle. However, this condition should not bar settlement of genuine claims particularly when the delay in intimation or submission of documents is due to unavoidable circumstances. The decision of the insurer to reject the claim has to be based on valid grounds. Rejection of the claims on purely technical grounds in a mechanical manner will result in loss of confidence of policy-holders in the insurance industry. If the reason for delay in making a claim is satisfactorily explained, such a claim cannot be rejected on the ground of delay. It is also necessary to state here that it would not be fair and reasonable to reject genuine claims which had already been verified and found to be correct by the Investigatior. The condition regarding the delay shall not be a shelter to repudiate the insurance claims which have been otherwise proved to be genuine. It needs no emphasis that the Consumer Protection Act aims at providing better protection of the interest of consumers. It is a beneficial legislation that deserves liberal construction. This laudable object should not be forgotten while considering the claims made under the Act."
19- vc gesa ;g ns[kuk gS fd vihykFkhZ@ifjoknh }kjk tks okgu pksjh dh lwpuk iqfyl dks 6 fnu ckn rFkk mRrjoknh@vukosnd chek daiuh ds 12 fnu ckn nh xbZ bl foyac ds leqfpr dkj.k D;k vihykFkhZ@ifjoknh ds ikl fo|eku Fks\ ftlds dkj.k vihykFkhZ@ifjoknh ls ;g foyac dkfjr gqvk\ 20- vihykFkhZ@ifjoknh }kjk ifjokn i= esa fd;s x;s vfHkdFku ds vfrfjDr izdj.k esa Lo;a dk rFkk vihykFkhZ@ifjoknh dh iRuh rFkk iq= }kjk vyx ls ;g dFku fd;k x;k gS fd%& // 12 // ^^fnu eaxyokj fnukad 04-03-2014 dks djhc 08%00 cts jkf= dks vius cksysjks dzhe lQsn jax dz- C.G.-04 HB-6952 dks jkstkuk dh rjg vius ?kj ds lkeus [kM+k fd;k Fkk vkSj vius ifjokj lfgr ?kj esa Fkk fd lqcg mBk rks ns[kk] esjh mDr cksysjks okgu ugha Fkk rc eSa vius yM+dk lquhy rkrsM+ ,oa iRuh T;ksrh rkrsM+ dks iwN&rkN fd;k fd fdlh dks xkM+h rks ugha fn;s gks] rc fdlh dks xkM+h nsuk ugha crk;s fdlh vKkr pksj }kjk esjs cksysjks okgu dks pksjh dj ys x;k gS] rc eSa vius Lrj ij xzke ekdM+h] xejh] jk;x<+k] mejdksV] dksjhxqek] uxjh flgkok] uojaxiqj] foJkeiqjh ,oa vkl ikl irk fd;k irk ugha pyus ij 10-03-14 dks Fkkuk fjiksVZ fd;k gwaA** 21- vihykFkhZ@ifjoknh ds mijksDr dFku dh iqf"V Fkkuk izHkkjh Fkkuk ds'kdky ds i= dzekad& Fkkuk izHkkjh@ds'kdky@1925@2015 fnukafdr @ 9@2015 ds i= ls gksrh gSA blesa fy[kk x;k gS ^^bl rjg mDr vijk/k dzekad 30@14 dk /kkjk 379 Hkk-n-fo- ds pksjh x, cksysjks okgu dzekad lh-th-&04@,p-ch-&6932 ,oa pksjh djus okys vKkr pksj dk irklkth ?kVuk fnukad 04-03-2014 ls vc rd fd;k gS] dksbZ irk ugha py ldk gS] ,oa fudV Hkfo"; esa u feyus dh mEehn ls [kkRek Lohd`fr nsus dh vuqefr nsus dh n;k gksA** 22- bl i= ls ;g izekf.kr gksrk gS fd vihykFkhZ@ifjoknh }kjk okgu pksjh dh lwpuk rqjr 04-03-2014 dks iqfyl foHkkx dks ns nh xbZ Fkh vkSj fnukad 04-03-2014 ls Lo;a rFkk iqfyl dh lgk;rk ls vihykFkhZ@ifjoknh }kjk iz'uk/khu okgu dh [kkst] xzke ekdM+h] xejh] jk;x<+k] mejdksV] xksjhxqEek] uxjh] flgkok] uojaxiqj] foJkeiqj vkfn LFkkuksa ij dh xbZ vkSj fQj Hkh okgu u feyus ij fnukad 10-03-2014 dks Fkkus esa rFkk 16-03-2014 dks mRrjoknh@vukosnd chek daiuh dks lwpuk nh xbZA gekjs erkuqlkj vihykFkhZ@ifjoknh }kjk tks foyac ls lwpuk nh xbZ blds leqfpr dkj.k fo|eku FksA blfy;s ek= foyac ls lwpuk nsus ds dkj.k mRrjoknh }kjk tks vihykFkhZ@ifjoknh dk nkok fujLr fd;k x;k gS og =qfViw.kZ vkSj vuqfpr gSA ekuuh; loksZPp U;k;ky; }kjk // 13 // fu.khZr mijksDr U;k;n`"Vkar ds vkyksd esa vihykFkhZ@ifjoknh nkok izkIr djus dk vf/kdkjh gSA ftyk Qksje }kjk tks vkns'k ikfjr fd;k x;k gS og iw.kZr% fof/k fo:) ,oa =qfViw.kZ gS rFkk fLFkj j[ks tkus ;ksX; ugha gSA 23- mRrjoknh@vukosnd }kjk vius tokcnkos esa ;g vkifRr Hkh yh gS fd vihykFkhZ@ifjoknh }kjk vius okgu dks [kqys 'ksM esa ykokfjl gkyr esa [kM+h fd;k FkkA mDr 'ksM esa dksbZ njoktk ugha yxk Fkk vkSj u gh dksbZ ?ksjk FkkA lkFk gh pksjh gksus ds iwoZ gh vihykFkhZ@ifjoknh ds okgu dh ,d pkch xqe gks xbZ FkhA ftldh lwpuk vihykFkhZ@ifjoknh }kjk ugha nh xbZ Fkh vkSj u lsaVjykWd cnyok;k x;k FkkA blfy;s Hkh vihykFkhZ@ifjoknh nkok ikus dk vf/kdkjh ugha gSA ge mRrjoknh@vukosnd ds bl rdZ ls lger ugha gSA 24- gkykafd mRrjoknh@vukosnd }kjk tks jsiqfM;s'ku i= vihykFkhZ@ifjoknh dks fn;k x;k gS] mlesa okgu ds vlqjf{kr j[kus rFkk ,d pkch xqe gks tkus dk dksbZ mYys[k ugha gSA mRrjoknh@vukosnd }kjk ek= 20 fnu foyac ls lwpuk nsus ds vk/kkj ij gh vihykFkhZ@ifjoknh ds nkos dks fujLr fd;k x;k gSA fQj Hkh ;gka bl fcUnq dh foospuk dh tk jgh gSA ge ;gka vihykFkhZ@ifjoknh ds bl rdZ ls lger gS fd pwafd iz'uk/khu okgu ftl 'ksM esa j[kk x;k Fkk og vihykFkhZ@ifjoknh dh nqdku@edku ls yxk gqvk 'ksM gS blfy, mls vlqjf{kr ugha dgk tk ldrk gSA blh izdkj ,d pkch ;fn ugha Hkh gS rks mlls varj ugha iM+rk] D;ksafd Lo;a mRrjoknh@vukosnd ds vUos"k.kdrkZ }kjk viuh fjiksVZ esa ;g mYysf[kr fd;k gS fd ^^chek /kkjd Lo;a okgu dk mi;ksx djrs gq, cksysjks dk lsUVªy ykWd djds vius ?kj ds lkeus 'ksM ds uhps [kM+h fd;k FkkA** bl izdkj ge mRrjoknh@vukosnd ds mijksDr nksuksa rdksZ dks [kkfjt djrs gSAa // 14 // 25- New India Assurance Company Ltd. Vs. Pravin Krushna Tatkari 2017 (3) CPR 482 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Theft took place during validity period of Insurance policy and incident was duly intimated to Insurance Company and FIR was also filed in concerned Police Station- Revision petition allowed in part reducing decretal amount awarded by State Commission to 75 % of Rs. 10,75,250/-, to be paid by Insurance Company to Complainant, with 9% interest- Compensation amount of Rs. 50,000/- awarded by State Commission set aside and cost of Rs. 5,000/- maintained."
26- mDr U;k;n`"Vkar esa izdj.k pksjh dk Fkk vkSj foyac ls lwpuk fn;k x;k Fkk rc ekuuh; jk"Vªh; vk;ksx }kjk vekud vk/kkj ij {kfriwfrZ fnyk;k x;k FkkA bls ns[krs gq, bl izdj.k esa tSlk fd ekuuh; loksZPp U;k;ky; dk ;g vfHker gS fd ;fn foyac ls lwpuk nsus ds leqfpr dkj.k fo|eku Fks rks gekjs erkuqlkj vihykFkhZ@ifjoknh dks vekud vk/kkj ij {kfriwfrZ fnyk;k tkuk mfpr gSA 27- vihykFkhZ@ifjoknh }kjk chek/ku 3]05]500@&¼rhu yk[k ikap gtkj ikap lkS :i;s½ ds vuqrks"k dh ekax dh xbZ gSA vekud vk/kkj ij vihykFkhZ@ifjoknh dks 3]05]500@&¼rhu yk[k ikap gtkj ikap lkS :i;s½ dk 75% 2]29]125@&¼nks yk[k murhl gtkj ,d lkS iPphl :i;s½ rFkk 5]000@&¼ikap gtkj :i;s½ okn O;; fnyk;k tkuk mfpr gksxkA 28- mRrjoknh@vukosnd }kjk ftu U;k;n`"Vkarksa dk voyacu fy;k x;k gS] rF;ksa dh fHkUurk gksus ds dkj.k mudk ykHk mRrjoknh@vukosnd dks ugha fn;k tk jgk gSA 29- mijksDr foospuk ls ge bl fu"d"kZ ij igqaprs gSa fd vihykFkhZ@ifjoknh }kjk izLrqr vihy vkaf'kd :i ls Lohdkj djus ;ksX; gS vr% vkaf'kd :i ls Lohdkj dh tkrh gSA ftyk Qksje }kjk ikfjr // 15 // vkyksP; vkns'k fnukafdr 31-07-2017 vikLr fd;k tkrk gSA vkSj ;g vknsf'kr fd;k tkrk gS fd bl vkns'k fnukad ls ,d ekg dh vof/k ds Hkhrj mRrjoknh@vukosnd vihykFkhZ@ifjoknh dks okgu pksjh ls gqbZ {kfr/ku dh jkf'k 2]29]125@&:-¼nks yk[k murhl gtkj ,d lkS iPphl :i;s½ vnk djsxkA lkFk gh okn O;; ds :i esa 5]000@&:-¼ikap gtkj :i;s½ Hkh vnk djsxkA vihy O;; ds laca/k esa dksbZ vkns'k ugha fd;k tk jgk gSA ¼Mh-ds-iksn~nkj½ ¼ujsUnz xqIrk½ lnL; lnL;
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