State Consumer Disputes Redressal Commission
Miss Pooja Rao Shinde vs B.M.Bhartiya Jeevan Bima Nigam & Ors. on 1 April, 2017
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vihykfFkZuh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e 1986 ds vUrxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] cLrj&txnyiqj ¼N-x-½ ¼ftls vkxs laf{kIr esa *ftyk Qksje* lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad CC/47/2016 **dq- iwtk jko f'kUns // 2 // fo:) 'kk[kk izca/kd] Hkkjrh; thou chek fuxe o vU;** esa ikfjr vkns'k fnukad 02-12-2016] ftlds }kjk ifjokfnuh dh ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k x;k gSA 2- ifjokfnuh dk ifjokn la{ksi eas bl izdkj gS fd ifjokfnuh ds firk Lo- ek:fr jko f'kUns us vukosnd chek dEiuh ls fnukad 23-03- 2009 dks U;w chek xksYM uked chek 50]000@&¼ipkl gtkj :i;s½ dk djk;k Fkk] tks fnukad 23-03-2009 ls 12 o"kZ ds fy, izHkkoh FkkA ikWfylh 'krZ ds vuqlkj izLrkod dk fdlh Hkh izdkj ls dksbZ nq?kZVuk ;k e`R;q gks tkrh gS rks] vukosnd chek daiuh leLr chek 'krksZ dk ikyu djrs chek jkf'k dk Hkqxrku djsxhA Lo- ek:fr jko f'kUns dk fu/ku fnukad 06-05- 2012 dks gks xbZ gSA ifjokfnuh us vukosnd chek daiuh ls chek {kfr dh ekax dh Fkh] fdarq chek jkf'k nsus ls badkj djus ij ;g f'kdk;r izLrqr fd;k x;k gSA ifjokfnuh }kjk mlds firk dh e`R;q mijkar vukosnd chek daiuh ls lEidZ dj chek/ku dh ekax dh xbZ] chek/ku iznku djus gsrq i= Hkh mlds }kjk Hkstk x;kA fnukad 10-08-2015 dks vf/koDrk ds ek/;r ls fof/kd lwpuk i= Hkh izsf"kr fd;k] ftl ij mldk chek nkok vLohdkj laca/kh lwpuk nh xbZA vr% ifjokfnuh }kjk ifjokn i= dh dafMdk&11 esa of.kZr vuqlkj vuqrks"k fnyk;s tkus dk fuosnu fd;k x;kA 3- ifjokfnuh }kjk ifjokn i= esa fd;s x;s vfHkdFku ds leFkZu esa Lo;a dk 'kiFk i= fnukafdr 31-05-2016 rFkk lwph vuqlkj nLrkostks dh QksVksizfr izLrqr fd;k gSA 4- vukosndx.k dh vksj ls ftyk Qksje ds le{k la;qDr :i ls tokcnkok izLrqr dj ;g vfHkdFku fd;k fd vukosndx.k Hkkjrh; thou chek fuxe }kjk ikWfylh esa ns; frekgh jkf'k dk izhfe;e fnukad 10-05-2011 dks tek fd;k x;k gSA chek /kkjd dh e`R;q frfFk fnukad 06-05-2011 ds i'pkr~ mDr jkf'k tek dh xbZ gSA chek/kkjd dk frekgh // 3 // izhfe;e jkf'k fnukad 22-04-2011 rd fuxe dks izkIr gks tkuk Fkk] fdUrq chek/kkjd dh ikfylh dk izhfe;e fnukad 10-05-2011 dks vnk fd;k x;k gSA e`R;q nkok dk fujkdj.k ikWfylh 'krZ ds vuqlkj fd;k tkdj nkok vLohd`r fd;k x;k gS] ftldh lwpuk ifjokfnuh dks fnukad 01-04-2012 dks iathd`r Mkd ls izsf"kr dh xbZ gSA e`rd@chek/kkjd dh chek ij tkjh ikWfylh esa rkfRod rF; gkbijVas'ku ls ihfM+r gksus dks fNik;k x;k gSA e`rd 5 o"kksZ ls gkbijVsa'ku ls ihfM+r FkkA vfrfjDr dFku esa crk;k x;k gS fd vLirky dh fpfdRld izek.k i= QkeZ la[;k 3816 ds vuqlkj e`rd@chek/kkjd 2 o"kksZ ls gkbijVsa'ku ls ihfM+r FkkA ;g izek.k i= fnukad 01-06-2011 dks lh-,p-lh- Hkkuqizrkiiqj ds }kjk tkjh fd;k x;k gSA mDr rF;ksa ds dkj.k ifjokfnuh dk nkok vkosnu vukosndx.k ds }kjk fujLr fd;k x;k gSA QyLo:i ifjokfnuh dk ifjokn fujLr fd;s tkus dk fuosnu fd;k x;kA 5- vukosndx.k dh vksj ls vius tokcnkos ds leFkZu esa Jh vkuan tkoydj] izca/kd fof/k] Hkkjrh; thou chek fuxe i.Mjh] jk;iqj dk 'kiFk i= ,oa lwph vuqlkj nLrkost izLrqr fd;k x;k gSA 6- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds i'pkr~ ;g fu"d"kZ fudkyrs gq, fd ifjokfnuh dk i{k ldkjkRed ugha gS ifjokfnuh ifjokn i= ds rF;ksa dks izekf.kr djus esa lQy ugha jgh gS] fujLr fd;k x;k] ftlds fo:) ;g vihy gSA 7- vihykfFkZuh@ifjokfnuh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lkxj nsojs }kjk rdZ izLrqr fd;k x;k fd chek/kkjd dh e`R;q fnukad 06-05-2011 dks gqbZA mDr ikWfylh fnukad 23-03-2009 dks chek /kkjd ds }kjk [email protected] ls djokbZ xbZ FkhA chek // 4 // ikWfylh dh vkB fd'rksa dk Hkqxrku fnukad 23-03-2009 ls fnukad 21-01- 2011 rd fd;k x;k FkkA tks fd nks o"kksZ dh lEiw.kZ fd'rs FkhA mDr chek ikWfylh ds fu;e ds vuqlkj ,oa mDr chek ikWfylh dh dafMdk fo'ks"k izko/kku @Special Provisions dh dafMdk ^^pkj** fuEu dFku O;Dr djrh gS%& ^^4- ^^tIrh ls lqj{kk lEca/kh fofu;e%& ;fn de ls de nks o"kksZa ds iwjs izhfe;e dk Hkqxrku dj fn, tkus ds ckn fdlh ijorhZ izhfe;e dk fof/kor~ Hkqxrku u fd;k tk, rks igys vnRr izhfe;e ¼,Q;wih½ dh ns; frfFk ls nks o"kZ dh vof/k rd e`R;q dk iwjk chek tkjh jgsxkA ,Q;wih ls 2 o"kZ dh ;g vof/k ^^Lo;a laj{kk vof/k** dg yk,xhA Lo;a laj{kk vof/k ds nkSjku chfer O;fDr LokLF; dk dksbZ izek.k izLrqr fd, fcuk izhfe;e dks ,d ;k vf/kd fd'rksa dk Hkqxrku C;kt ds lkFk dj ldrk gSA izhfe;e dh cdk;k jkf'k dk iw.kZ ;k vkaf'kd Hkqxrku C;kt ds lkFk djus ij ikWfylh dh vof/k ds nkSjku u, ,Q;wih dh ns; frfFk ls 2 o"kZ dh Lo;a laj{kk vof/k fQj miyC/k gks tk,xhA mijksDr dFku ds ckotwn ;fn bl ikWfylh ds de ls de rhu o"kksZa ds izhfe;e dk Hkqxrku dj fn, tkus ds ckn fdlh ijorhZ izhfe;d dk fof/kor Hkqxrku u fd;k tk, rks igys vnRr izhfe;e dh ns; frfFk ls nks o"kZ dh Lo;a laj{kk vof/k dh lekfIr ds ckn ikWfylh iwjh rjg voS/k ugha gksxh] cfYd iznRr ikWfylh ds :i esa cuh jgsxhA ftldh jkf'k dqy vnk fd, x, izhfe;eksa ¼fdlh vfrfjDr@oSdfYid izhfe;e dks NksM+dj½ ls igys fn, tk pqds fdlh fo|ekUrk fgrykHk dks ?kVkdj 'ks"k jkf'k ds cjkcj gksxhA ;g jkf'k pqdrk ewY; dg yk,xhA ;g pqdrk ewY; ikWfylh vof/k lekfIr dh frfFk ij ;k mlls igys chfer O;fDr dh e`R;q ij ns; gksxkA pqdrk ikWfyfl;ksa ds varxZr dksbZ fo|ekUrk fgrykHk ns; ugha gksxkA mlds ckn ikWfylh blesa myysf[kr izhfe;e ds Hkqxrku ds lHkh nkf;Roksa ls eqDr gksxhA ;fn ikWfylh dkykrhr voLFkk esa gks rks nq?kZVuk fgrykHk vuqo`f) ykxw ugha gksxhA Lo;a laj{kk vof/k ds nkSjku nq?kZVuk fgrykHk vuqo`f) ykxw ugha gksxhaA** mDr fu;e dk ikyu djuk chek daiuh dk nkf;Ro Fkk] ftldk ikyu [email protected] ds }kjk ugha fd;k x;k ,oa fof/k fo:) dk;Zokgh djrs gq, vihykfFkZuh@ifjokfnuh dk nkok fujLr fd;k x;kA vihykfFkZuh@ifjokfnuh }kjk mijksDr vk/kkj ij vihy Lohdkj // 5 // fd;s tkus ,oa e`R;q fnukad ls C;kt lfgr e`R;q nkos dh jkf'k ,oa ekufld {kfr iznku fd;s tkus dk fuosnu fd;k x;kA 8- [email protected] dh vksj ls milatkr gksus okys fonq"kh vf/koDrk Jh o"kkZ O;kl pkScs }kjk ftyk Qksje }kjk ikfjr vkns'k dk leFkZu djrs gq, vihykfFkZuh@ifjokfnuh dh vihy lO;; fujLr fd;s tkus dk fuosnu fd;k x;kA 9- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k ,oa ftyk Qksje ds vfHkys[k rFkk vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA 10- ftyk Qksje }kjk vius vkns'k esa le;ckf/kr ds laca/k esa dksbZ fopkj.k ugha fd;k x;k gS vkSj vihykfFkZuh@ifjokfnuh dk ifjokn bl vk/kkj ij fd vihykfFkZuh@ifjokfnuh ifjokn i= ds rF;ksa dks izekf.kr djus esa lQy ugha jgh gS] vihykfFkZuh@ifjokfnuh ds ifjokn dks fujLr fd;k gSA 11- izLrqr izdj.k ds voyksdu ls ;g izrhr gksrk gS fd izdj.k miHkksDrk laj{k.k vf/kfu;e 1986 dh /kkjk 24 d ds varxZr le;ckf/kr gSA bl /kkjk ds vuqlkj ftyk Qksje] jkT; vk;ksx] ;k jk"Vªh; vk;ksx fdlh ifjokn dks xzg.k ugha djsxk tc rd fd ifjokn okn dkj.k mRiUu gksus ds fnukad ls 2 o"kZ dh vof/k esa izLrqr ugha fd;k gksA mijksDr 2 o"kZ dh vof/k ls ijs Hkh ifjokn xzg.k fd;k tk ldrk gS ;fn ifjoknh ftyk Qksje] jkT; vk;ksx ;k jk"Vªh; vk;ksx tSlh fLFkfr gks dks larq"V dj nsrk gS fd mlds ikl ml vof/k ds varxZr ifjokn izLrqr u djus dk leqfpr dkj.k FkkA // 6 // 12- izLrqr ifjokn esa chek/kkjd Lo- ek:fr jko f'kans dh e`R;q fnukad 06-05-2011 dks gqbZ vihykfFkZuh@ifjokfnuh }kjk ukekafdrh ds :i esa vius firk Lo- ek:fr jko ds e`R;q nkos dks izkIr djus leLr nLrkost [email protected] ds dk;kZy; esa tek djk;s x;s vusdksa ckj [email protected] ls fuosnu djus ij Hkh [email protected] }kjk vihykfFkZuh@ifjokfnuh ds firk ds e`R;qnkos dk fujkdj.k ugha fd;k x;kA blds ckn vihykfFkZuh@ifjokfnuh }kjk fnukad 10-08-2015 dks vf/koDrk ds ek/;e ls [email protected] dks iathd`r lwpuk i= fHktok;kA [email protected] }kjk bl lwpuk i= ds mRrj eas vihykfFkZuh@ifjokfnuh dks fnukad 17-08-2015 ds i= }kjk lwfpr fd;k fd [email protected] }kjk vihykfFkZuh@ifjokfnuh ds firk ds e`R;qnkos dks fnukad 01-04-2012 dks gh fujLr dj fn;k Fkk] ftldh fof/kor lwpuk vihykfFkZuh@ifjokfnuh dks izsf"kr dh xbZ FkhA blds ckn vihykfFkZuh@ifjokfnuh }kjk fnukad 01-06-2016 dks vius firk Lo- ek:fr jko f'kans dh e`R;q fnukad 06-05-2011 ds 5 o"kZ ckn e`R;qnkos dks izkIr djus gsrq ftyk Qksje esa ifjokn izLrqr fd;kA 13- Kandimalla Raghavaiah And Co. Vs. National Insurance Co. & Anr., (2009) 7 Supreme Court Cases 768, esa ekuuh; loksZPp U;k;ky;
}kjk ;g fu/kkZfjr fd;k x;k gS fd%& "17. Section 24-A of the Act bars any fora set up under the Act, from admitting a complaint, unless the complaint is filed within two years from the date on which the cause of action has arisen.
The provision expressly casts a duty on the Commission, admitting a complaint, to dismiss a complaint unless the // 7 // complainant satisfies the District Forum, the State Commission or the National Commission, as the case may be, that the complainant had sufficient cause for not filing the complaint within the period of two years from the date on which the cause of action had arisen. Recently, in SBI v. B.S.Agriculture Industries (I) this Court, while dealing with the same provision, has held: (SCC p. 125, paras 11-12) "11. ...It would be seen from the aforesaid provision that it is peremptory in nature and requires the consumer forum to see before it admits the complaint that it has been filed within two years from the date of accrual of cause of action. The consumer forum, however, for the reasons to be recorded in writing may condone the delay in filing the complaint if sufficient cause is shown. The expression, 'shall not admit a complaint' occurring in Section 24-A is sort of a legislative command to the consumer forum to examine on its own whether the complaint has been filed within the limitation period prescribed thereunder.
12. As a matter of law, the consumer forum must deal with the complaint on merits only if the complaint has been filed within two years from the date of accrual of cause of action and if beyond the said period, the sufficient cause has been shown and delay condoned for the reasons recorded in writing. In other words, it is the duty of the consumer forum to take notice of Section 24-A and give effect to it. If the // 8 // complaint is barred by time and yet, the consumer forum decides the complaint on merits, the forum would be committing an illegality and, therefore, the aggrieved party would be entitled to have such order set aside.
18. The term "cause of action" is neither defined in the Act nor in the Code of Civil Procedure, 1908 but is of import. It has different meanings in different contexts, that is when used in the context of territorial jurisdiction or limitation or the accrual of right to sue. Generally, it is described as "bundle of facts", which if proved or admitted entitle the plaintiff to the relief prayed for.
Pithily stated, "cause of action" means the cause of action for which the suit is brought, "Cause of action" is cause of action which gives occasion for and forms the foundation of the suit.
(See Sidramappa v. Rajashetty.) In the context of limitation with reference to a fire insurance policy, undoubtedly, the date of accrual of cause of action has to be the date on which the fire breaks out."
14- mijksDr U;k;n`"Vkar esa ekuuh; loksZP; U;k;ky; }kjk ;g vfHkfu/kkZfjr fd;k x;k gS miHkksDrk vnkyrksa dks ifjokn dks rHkh Lohdkj fd;k tkuk pkfg;s tc ,sls ifjokn /kkjk 24 d ds vuqlkj okn dkj.k mRiUu gksus ds 2 o"kZ ds Hkhrj izLrqr fd;s x;s gksA izLrqr ifjokn ftlesa okn dkj.k chek/kkjd ek:fr jko f'kans ds e`R;q fnukad 06-05-2011 dks mn~Hkwr gqvk Fkk ds yxHkx 5 o"kZ ckn fnukad 01-06-2016 dks izLrqr fd;k x;k tks Li"V :i ls le;ckf/kr gSA vkxs ekuuh; loksZPp U;k;ky;
// 9 // }kjk ;g Hkh vfHkfu/kkZfjr fd;k x;k gS fd vxj ifjokn le; ckf/kr ugha gS rHkh ifjokn ij xq.k nks"k ds vk/kkj ij fopkj.k fd;k tkuk pkfg;sA ;fn ifjokn le; ckf/kr gS vkSj fQj Hkh miHkksDrk Qksje ml ifjokn dks xq.k&nks"k ds vk/kkj ij fu.khZr djrk gS rks ;g fof/k fo:) gSA 15- vihykfFkZuh@ifjokfnuh }kjk vius ifjokn i= dh dafMdk 10 esa ;g vfHkopu fd;k gS fd ^^okn dkj.k izFke ckj vkosfndk ds firk dh e`R;q fnukad 06-05-2011 dks mRiUu gqvk gS rFkk nwljh ckj fnukad 12-09- 2015 dks vf/koDrk ds ek/;e ls iathd`r lwpuk i= izkIr djus ij mRiUu gksdj vkt fnol rd tkjh gS] ;g fd fnukad 12-09-2015 dks nkok vLohdkj djus mijkar okn dkj.k vkt fnol rd tkjh gSA** 16- Smita Madhav Patki Vs. National Insurance Co. Ltd. & Ors, I (2013) CPJ 331 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g vfHkfu/kkZfjr fd;k x;k gS fd%& "17. State Commission in its order has observed:
5. Cause of action for the insurance claim in question but arose on the death of late Madhav Patki and not on the date of repudiation of the insurance claim as alleged by the complainant. A useful reference can be made to the decision of the Apex Court in the matter of Kandimalla Raghavaiah & Co. v. National Insurance Co. Ltd. and Others, 2009 CTJ 951 (SC) (CP). Insurance claim, thus, is preferred beyond the period of two years from the date of cause of action, supra and as such barred by limitation.
There is no application for condonation of delay, admittedly, made.
6. Janata Personal Group Accident Policy is on record. Amongst other terms it also submitted as under:
"It is also hereby further expressly agreed and declared that if the Company shall disclaim liability to the insured for any claim hereunder and such claim shall not within 12 calendar // 10 // months from the date of such ...have been made the subject of a suit in a Court of Law then the claim shall for all purpose be deemed ... been abandoned and shall not thereafter be recoverable hereunder."
7. As held by the Apex Court in the matter of Himachal Pradesh State Forest Co. Ltd. v. United India Insurance Co. Ltd, (2009) 2 SCC 252, though above referred clause in view of Section 28 of the Contract Act will not be acted upon for the curtailment of the period of limitation still the later part of it which refers to extension of the right itself unless exercised within specified time can be enforced. Therefore, since the claim was not made within 12 calendar months from the date of happening, the claim shall for all purposes be deemed to have been abandoned and is not recoverable after the expiry of the said period.
8. For the above said reasons, we find that no fault can be found with the impugned order resulting into dismissal of consumer complaint. Holding accordingly, we pass the following order."
mijksDr U;k;n`"Vkar esa ekuuhu jk"Vªh; vk;ksx }kjk ;g vfHkfu/kkZfjr fd;k gS fd chek nkoksa esa okndkj.k dh mRifRr chek/kkjd dh e`R;q fnukad ls ekuh tk;sxh u fd chek daiuh }kjk nkos ds fujLr fd;s tkus dh lwpuk fnukad lsA 17- izLrqr izdj.k esa vihykfFkZuh@ifjokfnuh ds firk chek/kkjd Lo- ek:fr jko f'kans dh e`R;q fnukad 06-05-2011 dks gqbZA vihykfFkZuh@ifjokfnuh }kjk e`R;qnkos ds leLr nLrkost [email protected] chek daiuh esa izLrqr fd;s x;sA vihykfFkZuh@ifjokfnuh ds vuqlkj fnukad 21-09-2015 dks [email protected] }kjk cheknkos ds fujLr gks tkus dh lwpuk nhA jk"Vªh; vk;ksx }kjk fu.khZr mijksDr U;k;n`"Vkar ds vuqlkj izLrqr izdj.k esa okn dkj.k dh mRifRr vihsykfFkZuh@ifjokfnuh ds firk dh e`R;q fnukad 06-05-2011 dks ekuh tk;sxh u fd nkok vLohdkj djus dh frfFk 21-09-2015 lsA vihykfFkZuh@ifjokfnuh }kjk ;g ifjokn fnukad // 11 // 01-06-2016 dks izLrqr fd;k gS tks okn dkj.k mRiUu gksus ds yxHkx 5 o"kZ ckn gSA vihykfFkZuh@ifjokfnuh }kjk bl foyac dks {kek djus gsrq dksbZ vkosnu Hkh izdj.k esa izLrqr ugha fd;k gSA blfy;s gekjs erkuqlkj izLrqr ifjokn Li"V :i ls le;ckf/kr gSA ge ;gka vihykfFkZuh@ifjokfnuh ds bl rdZ dks Lohdkj ;ksX; ugha ikrs gSa fd pwafd ifjokn nkok fujLr fd;s tkus dh frfFk 21-09-2015 ds nks o"kZ ds Hkhrj lafLFkr fd;k x;k gS blfy;s le;kof/k esa gSA 18- ifjokn ds ifjlhek vof/k ls ckf/kr gksus ds dkj.k ifjokn ij xq.k&nks"k ds vk/kkj ij fopkj ugha fd;k tk jgk gSA 19- mijksDr foospuk ds vk/kkj ij ge bl fu"d"kZ ij igqaprs gSa fd vihykfFkZuh@ifjokfnuh dk ifjokn ifjlhek vof/k ls ckf/kr gS vkSj pwafd vihykfFkZuh@ifjokfnuh dk ifjokn ifjlhek vof/k ls ckf/kr gS blfy;s vihykfFkZuh@ifjokfnuh dksbZ vuqrks"k ikus dh vf/kdkfj.kh ugha gSA 20- pwafd vihykfFkZuh@ifjokfnuh dh vihy Lohdkj fd;s tkus ;ksX; ugha gS blhfy;s fujLr dh tkrh gSA ftyk Qksje }kjk ikfjr vkns'k fnukad 02-12-2016 dh iqf"V dh tkrh gSA bl vihy dk O;;
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