State Consumer Disputes Redressal Commission
Gangeshwar Ram & Ors. vs Star Auto Mobiles & Anr. on 24 February, 2018
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i{kdkjksa ds vf/koDrk vihykFkhZx.k dh vksj ls Jh lw;Zdkar 'kekZ] vf/koDrkA mRrjoknh dz-1 vuqifLFkrA mRrjoknh dz-2 dh vksj ls Jh lat; frokjh] vf/koDrkA vkns'k fnukad% 24@02@2018 }kjk%&ekuuh; Jh ujsUnz] xqIrk] lnL;
vihykFkhZ us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] ljxqtk&vfEcdkiqj¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr // 2 // fd;k tk,xk½ ds ifjokn izdj.k dzekad&132@2016 **xaxs'oj jke o vU; fo:) LVkj vkVks eksckbZYl o vU;** esa ikfjr vkns'k fnukad& 28-08-2017 ftlds }kjk ifjoknhx.k ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k gSA 2- ifjoknhx.k dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh dz-1 us vukosnd dz-2 egsUnzk ,.M egsUnzk fyfeVsM xsVos fcYMhax viksyks cqUnsj eqEcbZ] 400039 dk mRikfnr okgu LdkfiZ;ks lh0th0 15 lh0 ;w0@2031 Ogh0 ,y0 ,Dl ¼,;jcSx ;qDr½ fnukad 29- 08-2014 dks 11]30]846@&¼X;kjg yk[k rhl gtkj vkB lkS fN;kfyl :i;s½ esa vukosnd dz-1 ds laLFkku ls dz; fd;k gSA okgu dz; djrs le; vukosnd dz-1 }kjk ;g le>k;k x;k Fkk fd okgu esa ,;jcSx yxk gqvk gS] tks nq?kZVuk gksus ij Lor% [kqy tkrk gS] ftlls okgu pkyd dks nq?kZVuk dh fLFkfr esa pksV igqapus dh laHkkouk yxHkx ux.; dj nsrk gS] ftlls izHkkfor gksdj ifjoknh us ,;jcSx ;qDr okgu dz; fd;kA mDr okgu dks ifjoknh dz-1 dk iq= vejukFk fcaf>;k }kjk pyk;k tk jgk FkkA mDr okgu xzke fjdh] Fkkuk mn;iqj] ftyk ljxqtk ls fnukad 20- 05-2016 dks ykSV jgk Fkk fd 9-00 cts lkeus ls rst o ykijokgh ls pyrs gq;s vk jgh okgu ls cpus gsrq okgu dks lkbZM nsrs le; okgu jksM ls fQlydj uhps vkdj isM+ ls Vdjk xbZA ml nq?kZVuk esa okgu dk ,;jcSx ugha [kqyk] ftlds dkj.k pkyd dks vkbZ pksV ls mldh ekSr gks xbZA pkyd vejukFk fcaf>;k ifjokfnuh dz-2 dk ifr rFkk ifjoknh dz-3 dk firk gSA okgu ds ,;jcSx xq.koRrk ghu gksus ds dkj.k ,;jcSx u [kqyus ls pkyd dh nq?kZVuk Lo:i pksV vkus ls e`R;q gks xbZ] ftlds fy;s vukosndx.k la;qDr :i ls vFkok i`Fkd&i`Fkd ftEesnkj ,oa {kfriwfrZ djus gsrq tokcnkj gSA ifjoknh dh okgu dk vukosnd dz-1 }kjk fu/kkZfjr le;≤ ij okgu dh lfoZflax djokdj fQV j[kk x;k Fkk] mlds ckn Hkh nq?kZVuk ds le; ,;jcSx dk u [kqyuk ,s;jcSx xq.koRrkghu gksuk izekf.kr gksrk gSA vukosndx.k ds }kjk Hkqxrku ysdj // 3 // ,;jcSx ;qDr okgu dks fodz; fd;k x;k FkkA vukosndx.k }kjk fodz; fd;s x;s okgu ds ,;jcSx eas xq.koRrk esa deh gksdj ekSr d dkj.k cuh rFkk vukosndx.k ds }kjk xq.koRrkghu ,;jcSx ;qDr okgu fodz; dj lsok esa deh Hkh fd;k x;k gSA vr% ifjoknhx.k }kjk vukosndx.k dh bl lsok esa deh ds fy;s vius ifjokn i= dh vafre dafMdk esa of.kZr vuqlkj vuqrks"k 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 21-09-2016 rFkk lwph vuqlkj nLrkostks dh QksVksizfr izLrqr fd;k gSA 4- vukosndx.k ftyk Qksje ds le{k ,di{kh; jgsaA 5- ftyk Qksje }kjk ifjoknhx.k dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFki=ksa ds ifj'khyu ds i'pkr~ ifjoknhx.k dk ifjokn] ;g fu"d"kZ fudkyrs gq, fd vukosndx.k ds }kjk dksbZ tokcnkok izLrqr ugha djus ds ckn Hkh ifjoknhx.k }kjk viuk izdj.k vukosndx.k ds fo:) fl) djus esa vlQy jgs gSa] fujLr fd;k x;k] ftlds fo:) ;g vihy gSA 6- [email protected] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lw;Zdkar 'kekZ }kjk rdZ izLrqr dj ;g vk/kkj fy;k x;k fd ftyk Qksje }kjk izLrqr ifjokn [email protected] uksfVl rkfeyh ds ckotwn vuqifLFkr gks tkus ds dkj.k ,di{kh; dj izdj.k dh lquokbZ dh x;h gS] ftlesa izdj.k esa izLrqr vfHkopuksa nLrkostksa ,oa lk{;ksa ds foijhr tkdj fu"d"kZ fudkyk x;k gSA ftyk Qksje }kjk bl fcanw ij fu"d"kZ fudkyk tkuk pkfg, Fkk fd ,;jcSx ;qDr okgu ftldh dher fcuk ,;jcSx okgu dh rqyuk esa yxHkx 1]00]000@&¼,d yk[k :i;s½ vf/kd gS] mDr okgu dk nq?kVZuk ds le; ,;jcSx u [kqyus ds dkj.k ,d O;fDr dh ekSr gks x;h] dk {kfriwfrZ ij fopkj fd;k tkuk // 4 // FkkA ijUrq ftyk Qksje }kjk nq?kZVuk ds le; ,;j cSx u [kqyus dk dkj.k gh dYiuk dj fcuk ;qfDr;qDr vk/kkj ds vihykFkhZ@ifjoknh dk ifjokn fujLr dj fn;k gSA ,;jcSx ;qDr okgu dk nq?kZVuk ds le; ,;jcSx u [kqyuk ,;jcSx xq.koRrkghu gksuk izdV djrk gSA ftlds fy;s [email protected] O;fDrxr :i ls nkf;Rok/khu gSA vr% vf/koDrk us mijksDr vk/kkj ij [email protected] dh vihy Lohdkj fd;s tkus ,oa ftyk Qksje }kjk ikfjr vkns'k dks lO;; fujLr fd;s tkus dk fuosnu fd;k x;k gSA 7- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lat; frokjh }kjk ;g rdZ izLrqr fd;k x;k fd e`rd vejukFk }kjk ,;jcSx ds dk;Z djus gsrq crk;s x;s fn'kk&funsZ'kksa dk ikyu ugha fd;k] ftl dkj.k nq?kZVuk ds le; ,;jcSx ugha [kqy ik;kA ,;j cSx ds dk;Z djus gsrq lhV csYV cka/kuk vfuok;Z gS] ijarq u rks izFke lwpuk fjiksVZ esa vkSj u gh ifjokn i= esa ;g mYysf[kr gS fd e`rd }kjk lE;d :i ls funsZ'kksa dk ikyu djrs gq, lhV csYV dks cka/kk x;k FkkA okLro esa ,;jcSx esa dksbZ mRikndh; =qfV ugha FkhA ftyk Qksje }kjk tks vkns'k ikfjr fd;k x;k gS og iwjh rjg ls fof/k lEer ,oa mfpr gS vr% [email protected] dh vihy fujLr dh tk;sA 8- 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 9- izdj.k ds U;k;ksfpr fujkdj.k gsrq gesa bl rF; ij fopkj.k djuk gS fd D;k [email protected] }kjk vihykFkhZx.k@ ifjoknhx.k dks =qfViw.kZ okgu dk fodz; dj ftlds dkj.k nq?kZVuk ds le; ,;j cSx ugha [kqy ik, lsok esa fuEurk dh gS\ 10- [email protected] }kjk vius ifjokn i= dh dafMdk 1] 2] 3 ,oa 4 esa fuEu vfHkopu fd;k gS%& // 5 // ^^1- ;g fd ifjoknh us vukosnd dz- 02 dk mRikfnr okgu LdkWih;ks Ogh-,y-,l¼,;j cSx½ ;qDr ftldk fljh;y ua0 bZ2,Q ,p7329] batu ua0 ,e MC;w bZ4,Q1930] psfpl ua0 ,e ,1Vh ,p2,e McY;w ,u bZ2,Q 47329 gS] dks fnukad 29-08-2014 dks 11]30]846@&:i;s dk Hkqxrku dj dz; vukosnd dz-1 laLFkku ls fd;k x;k gSA 2- ;g fd mijksDr okgu dz; djus gsrw vukosnd dz01 }kjk ;g le>k;k x;k Fkk fd] bl okgu esa ,;j cSx yxk gqvk gS tks fd nq?kZVuk gksus ij ,;j cSx Lor% [kqy tkrk gS vkSj okgu pkyd dks nq?kZVuk dh fLFkfr esa pksV igqpus dh lEHkkouk yxHkx ux.; dj nsrk gS] ftlls izHkkfor gksdj ifjoknh us ,;j cSx ;qDr okgu dz; fd;k ftldk iath;u dz0 lh-th- 15 lh D;w 2031 gSA 3- ;g fd mijksDr okgu dks pkyd vejukFk fc>h;k }kjk pyk;k tkrk Fkk mijksDr okgu xzke&fj[kh] Fkkuk&mn;iqj ftyk ljxqtk ls fnukad 20-05-2016 dks ykSV jgk Fkk fd 9%00 cts ,d okgu tks lkeus ls rst og ykijokgh ls pyrs gq;s vk jgh Fkh] ftlls cpus gsrq okgu dks lkbZM nsrs le; okgu jksM ls fQlydj jksM ls uhps vkdj isM+ ls Vdjk xbZA ml nq?kZVuk esa okgu dk ,;j cSx ugha [kqyk ftlds dkj.k pkyd dks pksVsa vkbZ ftlls mldh e`R;q gks xbZA vejukFk fc>h;k vkosnd dz-1 dk iq=] vkosfndk dz- 2 dk ifr rFkk vkosnd dz- 3 dk firk gSA 4- ;g fd vukosnd dz02 dk mRikfnr rFkk vukosnd dz01 ds }kjk fodz; dh xbZ okgu tks fd ,;jcSx ;qDr FkkA ,;jcSx ds xq.koRrkghu gksus ds dkj.k ,;jcSx u [kqyus ls okgu pkyd dh nq?kZVuk Lo:i pksV vkus ls e`R;q gks xbZ] ftlds fy, vukosndx.k la;qDr :i ls@i`Fkd&i`Fkd ftEesnkj ,oe {kfriwfrZ djus gsrq tokcnkj gSA** 11- gekjs }kjk izdj.k esa [email protected] }kjk izLrqr nLrkostksa rFkk lk{;ksa dk voyksdu fd;k x;kA izdj.k esa izLrqr jftLVªs'ku fMVsy¼nLrkost dz-,&4½ dk ifj'khyu fd;k x;kA bl jftLVªs'ku fMVsy esa iz'uk/khu okgu ds ches dk Hkh fooj.k fn;k x;k gSA tks fuEukuqlkj gS%& Insurance Details Company Name: THE NEW INDIA Branch Code: 19425 Branch Name:
INSURANCE AMBIKAPUR
Branch Place: AMBIKAPUR Policy Number: 1491535 Insurance
From:05-09-2014
Insurance To:04-09-2015 Insurance Type: PRIVATE CAR PACKAGE POLICY
// 6 //
bl chek ds fooj.k ls ;g izekf.kr gksrk gS fd iz'uk/khu okgu dk chek fn U;w bafM;k ba';ksjsal daiuh ls djk;k x;k FkkA [email protected] }kjk chek daiuh dks izdj.k esa i{kdkj ugha cuk;k x;kA tks fd gekjs erkuqlkj izdj.k esa ,d vko';d i{kdkj gSA vr% i{kdkjksa ds vla;kstu ds dkj.k izLrqr ifjokn la/kkj.kh; ugha gSA 12- blh jftLVªs'ku fMVsy esa tks iz'uk/khu okgu ds ches dk fooj.k fn;k gS mlesa iz'uk/khu okgu dks izk;osV dkj iSdst ikWfylh ds :i esa mYysf[kr fd;k x;k gSA tcfd [email protected] }kjk ifjokn i= esa Hkh vkSj izdj.k esa layXu izFke lwpuk fjiksVZ ¼nLrkost dz- ,&1½ esa Hkh ;g mYysf[kr fd;k gS ^^esjk yM+dk e`rd vejukFk fcaf>;k viuh LdkfiZ;ks dz- lh-th- 15 lh-;w- 2031 dks cqfdax esa xzke jruiqj ls ohj fcaf>;k ds 'kknh cqfdax esa vk;k Fkk tks xzke lydk xzke mn;iqj ls ckjkr okil ys tk jgk Fkk lkFk esa e`rd nqxkZ fcf>;k ,oa vU; 11 yksx Hkh lokj FksA** bl izFke lwpuk fjiksVZ ds ifj'khyu ls ;g Li"V nf'kZr gksrk gS fd [email protected] }kjk izk;osV dkj gksrs gq, Hkh iz'uk/khu okgu dk O;olkf;d mi;ksx fd;k tk jgk Fkk tks Li"V :i ls chek 'krksZ dk mYya?ku gSA ftlds dkj.k [email protected] dksbZ Hkh nkok izkIr djus ds vf/kdkjh ugha gSA ftyk Qksje }kjk vius vkns'k dh dafMdk 7 esa tks fu"d"kZ fudkyk gS og iwjh rjg ls mfpr ,oa fof/k lEer gSA 13- vc gesa ;g ns[kuk gS fd D;k iz'uk/khu okgu esa yxs gq, ,;jcSx tks nq?kZVuk ds le; lqj{kk ds fy;s yxk;s tkrs gSa muesa mRikndh; =qfV Fkh\ 14- gekjs }kjk izdj.k esa layXu izFke lwpuk fjiksVZ dk voyksdu fd;k x;kA ;g lwpuk fjiksVZ nq?kZVuk ds rqjar ckn Lo;a vihykFkhZ dz-
// 7 // 1@ifjoknh dz-1 xaxs'oj jke }kjk ntZ djkbZ xbZ gSA bl izFke lwpuk fjiksVZ dh dafMdk 12 esa Lo;a ifjoknh }kjk ;g dFku fd;k x;k gS fd ^^esjk yM+dk xzke fjdh ds ikl rsth o ykijokghiwoZd pykdj Lo;a ls vfu;af=r gks okgu iyVk fn;k ftlls esjs yM+ds dk ekSds ij gh e`R;q gks x;k** blls ;g izekf.kr gksrk gS fd e`rd vejukFk }kjk ykijokgh iwoZd okgu pykus rFkk okgu ds iyV tkus ls gh nq?kZVuk dkfjr gqbZA [email protected] }kjk ifjokn i= esa rFkk izFke lwpuk fjiksVZ esa Hkh dgha Hkh ;g dFku ugha fd;k gS fd e`rd vejukFk }kjk ,;jcSx ds lapkyu gsrq tks lko/kkuh cjruh Fkh ftlesa eq[; :i ls vius vki dks lhV csYV ls cka/kuk vkfn dk ikyu fd;k FkkA cxSj lhV csYV cka/ks ,;jcSx dk;Z ugha djrk gS] bls ,;jcSx dh =qfV ugha ekuk tk ldrk gSA vr% ge ;gka [email protected] ds bl rdZ dks Lohdkj ;ksX; ugha ikrs gSa fd ,;jcSx xq.koRrk foghu Fkk rFkk mlesa mRikndh; =qfV FkhA ftyk Qksje }kjk vius vkns'k dh dafMdk 10 esa tks fu"d"kZ fudkyk x;k gS og fof/k lEer ,oa mfpr gSA 15- [email protected] }kjk vius bl dFku ds leFkZu esa fd iz'uk/khu okgu esa ,;j cSx ls lacaf/kr mRikndh; =qfV Fkh ftlds dkj.k nq?kZVuk ds le; ,;jcSx ugha [kqyk ,d izk;osV eksVj xSjst e;ad eksVlZ dk izek.k i= layXu fd;k x;k gSA bl izek.k i= esa e;ad eksVlZ xSjst }kjk ;g dFku fd;k x;k gS ^^gekjs ;gka okgu dz- lh-th-&15&lh-;w- &2031 tks fnukad 25-05-2016 dks nq?kZVuk ds ckn ejEer gsrq vkbZ gS ftldk ijh{k.k djus ij eSus ik;k fd mDr okgu dk ,;jcSx nq?kZVuk ds le; ugha [kqyk Fkk ftldk dkj.k ,;j cSx fQfVax vkSj mRiknu djus esa mRikndh; =qfV gks ldrk gS**A ge mijksDr izek.k i= esa fd;s x;s dFku ls lger ugha gSA // 8 // 16- e;ad eksVj xSjst }kjk vius izek.k i= esa mRikndh; =qfV gks ldus dh ek= laHkkouk O;Dr dh gSA vkSj u gh e;ad eksVj xSjst }kjk vius dFku ds leFkZu esa dksbZ Hkh 'kiFk i= izLrqr fd;k gSA pwafd e;ad eksVj xSjst dk fjiksVZ ek= laHkkouk ds vk/kkj ij gS og fu'p;kRed lk{; ugha gSA ,slh fLFkfr esa e;ad eksVj xSjst }kjk fn;s x;s izek.k i= ds vk/kkj ij okgu esa mRikndh; =qfV Fkh ,slk ugha ekuk tk ldrk gSA 17- mijksDrkuqlkj izdj.k esa rF;ksa o nLrkostksa ij fopkj.kksijkar ge bl fu"d"kZ ij igqaprs gS fd [email protected] }kjk izLrqr vihy lkjghu o vk/kkjghu gksus ls fujLr dh tkrh gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad 28-08-2017 lgh gksus ls laiq"V fd;k tkrk gSA vihy O;; ds laca/k esa dksbZ vkns'k ugha fd;k tk jgk gSA ¼U;k;ewfrZvkj-,l-'kekZ½ ¼Mh-ds-iksn~nkj½ ¼ujsUnz xqIrk½ v/;{k lnL; lnL;
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