State Consumer Disputes Redressal Commission
The New India Assurance Co.Ltd. vs Smt.Baljeet Kour on 12 March, 2018
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2017/559 lafLFkr fnukad: 03.08.2017.
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ih- ds- ikWy] vf/koDrkA mRrjoknh dh vksj ls Jh vkj- ds- Hkkoukuh] vf/koDrkA vkns'k fnukad% 12@03@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds rgr f++tyk miHkksDrk fookn izfrrks"k.k Qksje] cLrj] LFkku txnyiqj ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&lhlh@64@2016 Jherh cythr dkSj fo:} nh U;w bafM;k ,';ksjsal daiuh fyfeVsM esa ikfjr // 2 // vkns'k fnukad&03-05-2017 ftlds }kjk ifjokfnuh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- ifjokfnuh@vkosfndk] vukosnd ls okgu dzeakd&C.G.18J/1916 ds nq?kZVukxzLr gksus ij gqbZ {kfr 5]40]000@&¼ikap yk[k pkyhl gtkj :Ik;s½ izkIr djus dh vf/kdkfj.kh gSA 2- vukosnd ls vkosfndk ekufld {kfr ds :Ik esa 5]000@&¼ikap gtkj :Ik;s½ izkIr djsxhA 3- mDr vknsf'kr jkf'k ij 06 izfr'kr lk/kkj.k okf"kZd C;kt ifjokn izLrqfr fnukad ls ns; gksxkA 4- vknsf'kr jde vkns'k fnukad ls 30 fnu ds vanj iznku fd;k tkosxkA 5- fu;r le; esa mDr jde nsus esa vukosnd vleFkZ jgrk gS rks mDr jkf'k ij 12 izfr'kr lk/kkj.k okf"kZd C;kt ns; gksxkA 6- vukosnd vius okn O;; ds lkFk ifjoknh dk Hkh okn O;; ogu djsxk tks 3]000@&¼rhu gtkj :Ik;s½ fu;r fd;k tkrk gSA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjokfnuh@ifjokfnuh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl++ izdkj jgk gS fd ifjokfnuh ds ifr Lo- jkeiky flag us vukosnd ls fnukad&16-04-2014 dks 20]842@&¼chl gtkj vkB lkS ca;kyhl :Ik;s½ izhfe;e vnk dj vius LokfeRo dh okgu egsUnzk ,aM egsUnzk daiuh dh cksysjks dzekad&C.G.18J/1916 dk iSdst ikWfylh ds rgr chek djok;k Fkk ftldk osY;q,'ku 6]00]000@&¼N% yk[k :i;s½ vkadfyr dj mDr okgu dk chek fd;k x;k Fkk ftldk ikWfylh dz-& // 3 // 46030331140100000251 gS tks fnukad&18-04-2014 ls 17-04-2015 dh vof/k ds fy, oS/k FkkA fnukad&15-02-2015 dks jkf= djhcu 10%00 cts ifjokfnuh ds ifr Lo- jkeiky flax vius vU; nksLrksa nhid] ftrs'k mQZ xksyw] tkdhj] jktk ekS;Z] lehj eq[kthZ ds lkFk vius mDr okgu esa vius ifjfpr fdjanqy ds iwoZ uxj ikfydk v/;{k 'kSysUnz flag ds HkkbZ dh 'kknh esa 'kkfey gksus cSYkkfMyk ls jkfte tk jgs Fks vkSj mDr okgu dks ifjokfnuh dk ifr jkeiky flax pyk jgk Fkk fd fnukad&16-02-2015 ds izkr% 03%00 cts xzke tSriqjh ds ikl esu jksM ij mDr okgu vfu;af=r gksdj jksM ls uhps mrj dj jksM fdukus yxs >kM+ ls Vdjkdj nq?kZVukxzLr gks xbZ ftlesa ifjokfnuh ds ifr jkeiky flax rFkk thrs'k] nhid] uohu dh e`R;q gks xbZ rFkk dqN yksx xaHkhj :Ik ls ?kk;y gks x, rFkk okgu Hkh cqjh rjg ls {kfrxzLr gks xbZA mDr nq?kZVuk dh lwpuk ifjokfnuh us vukosnd dks Qksu ij fn;k vkSj eksVj nkok izi= Hkjdj fn;k ftl ij vukosnd }kjk Dyse uacj&46030331140190000176 ntZ fd;k x;k vkSj {kfrxzLr okgu dk LikWV losZ djok;k x;kA LikWV losZ ij vukosnd }kjk ifjokfnuh ls okgu ds ejEer esa vkus okys [kpZ dk ,fLVesV ekaxk x;k rc ifjokfnuh us dydRrk vkWVks bathfu;fjax oDlZ xhne jksM txnyiqj ds izksijkbZVj@eSdsfud dks ?kVuk LFky ys tkdj {kfrxzLr okgu dk fujh{k.k djok;k vkSj okgu ds ejEer esa 11]72]188@&¼X;kjg yk[k cgRrj gtkj ,d lkS vBklh :Ik;s½ dk ,fLVesV ifjokfnuh dks fn;k x;k ftls ifjokfnuh }kjk vukosnd dks fn;k x;k rc vukosnd }kjk VksVy ykWl dh Js.kh esa j[kdj mDr // 4 // nq?kZVukxzLr okgu dk QkbZuy losZ djok;k x;k vkSj vukosnd }kjk vius i= fnukad&18-01-2016 ds }kjk ifjokfnuh dk nkok bl vk/kkj ij fujLr dj fn;k x;k fd nq?kZVuk ds le; okgu esa 12 O;fDr lokj Fks tks fd chek ikWfylh dh 'krksZa dk mYya?ku gS] tcfd nq?kZVuk fnukad dks mDr okgu esa dsoy 09 O;fDr gh lokj FksA QkbZuy losZ esa losZ;j ;w- flaxosdj }kjk mDr {kfrxzLr okgu dk lkWYost ds :Ik esa 60]000@&¼lkB gtkj :Ik;s½ esa fodz; djok fn;s tkus ds dkj.k 'ks"k cph jkf'k&5]40]000@&¼ikap yk[k pkyhl gtkj :Ik;s½ C;kt lfgr vnk djus gsrq vukosnd mRrjnk;h gS fdUrq vukosnd }kjk ifjokfnuh dk nkok fof/k fo:} <ax ls [kkfjt dj fn;k x;k ftlds dkj.k ifjokfnuh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- vihykFkhZ@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd vukosnd }kjk ifjokfnuh ds ifr ds LokfeRo dh okgu cksysjks dz- C.G.18J/1916 dk chek 20]842@&¼chl gtkj vkB lkS ca;kyhl :Ik;s½ izhfe;e izkIr dj fnukad&18-04-2014 ls fnukad&17-04-2015 dh vof/k ds fy, fd;k x;k Fkk ftldk ikWfylh dzekad&46030331140100000251 gSA mDr ikWfylh izk;osV dkj iSdst ikWfylh Fkh rFkk okgu dk chfer ewY; 6]00]000@&¼N% yk[k :Ik;s½ fu/kkZfjr fd;k x;k FkkA ifjokfnuh ds ifr jkeiky }kjk pkfyr mDr okgu fnukad&16-02-2015 ds izkr% 3%00 cts // 5 // lkseokj dks xzke tSriqjh ds ikl esu jksM ij vfu;af=r gksdj jksM ds uhps mrj dj jksM fdukjs yxs >kM+ ls Vdjkdj nq?kZVukxzLr gks xbZ Fkh ftlesa okgu pkyd jkeiky] thrs'k] nhid o uohu dqy 04 yksxksa dh e`R;q gks xbZ Fkh vkSj dqN yksx xaHkhj :Ik ls ?kk;y gks x, FksA ifjokfnuh }kjk nq?kZVuk dh lwpuk nh xbZ Fkh vkSj nkok izi= izLrqr fd;k x;k FkkA vukosnd }kjk losZ;j v:.k dqekj 'kekZ ls okgu dk LikWV losZ djok;k x;k FkkA ifjokfnuh }kjk okgu ejEer dk ,fLVesV dqy&11]72]188@&¼X;kjg yk[k cgRrj gtkj ,d lkS vBklh :Ik;s½ dk tek fd;k x;k FkkA fnukad&15-02-2015 dh jkf= dks ifjokfnuh ds ifr Lo- jkeiky flag Lis'ky cqfdax ds rgr viuh mDr okgu esa iwoZ uxj ikfydk v/;{k 'kSysUnz flag ds ifjfprksa dqy 12 yksxksa dks cSBkdj mUgsa 'kSysUnz flag ds HkkbZ dh 'kknh esa lfEefyr gksus jkfte ys tk jgk Fkk fd jkLrs esa xzke tSriqjh ds ikl nq?kZVuk ?kfVr gqbZA vukosnd chek daiuh] vf/kd`r losZ;j o ykWl vlslj dh QkbZuy losZ fjiksVZ esa mYysf[kr vfHker ds Ik'pkr~ gh okgu {kfr ds VksVy ykWl dh Js.kh esa vkus ;k uk vkus laca/kh rF; dk fu/kkZj.k djrh gS] blds iwoZ chek daiuh vius Lor% ls dksbZ vfHker~ fu/kkZfjr ugha djrh gSA nq?kZVuk ds laca/k esa Fkkuk dks.Mkxkao esa ntZ fjiksVZ vijk/k dz-&42@15 fnukad&16-02-2015 ls lacaf/kr iqfyl nLrkostksa ds voyksdu ,oa vUos"kd dh fjiksVZ ij vukosnd chek daiuh dks bl egRoiw.kZ rF; dh tkudkjh gqbZ fd nq?kZVuk ds le; mDr okgu esa cSBd {kerk ls vf/kd dqy 12 O;fDr lokj Fks tks fd eksVj;ku vf/kfu;e ,oa chek ikWfylh dh lafonk 'krksZa // 6 // dk Li"V mYya?ku gksus ds dkj.k vukosnd chek daiuh }kjk fof/kor~ chek fu;eksa ds varxZr ifjokfnuh dk nkok fujLr fd;k tkdj bldh fyf[kr lwpuk ifjokfnuh dks nh xbZ gS rFkk Dyse fujLr djus ds iwoZ chek daiuh }kjk vius i= fnukad&04-09-2015 ds ek/;e ls ifjokfnuh ls Li"Vhdj.k dh ekax dh xbZ Fkh ftlds lanHkZ esa ifjokfnuh }kjk viuk fyf[kr Li"Vhdj.k fnukad&15-09-2015 dks chek daiuh ds dk;kZy; esa is'k dh Fkh] fdUrq ifjokfnuh dk Li"Vhdj.k nq?kZVuk ds okLrfod rF;ksa ls lacaf/kr uk gksdj O;fDrxr tkudkjh o jk; ls lcaf/kr gksus ds dkj.k rFkk Li"Vhdj.k ds leFkZu esa dksbZ Hkh rkfRod nLrkost izLrqr ugha fd;s tkus ds dkj.k chek daiuh dks fu;er% ifjokfnuh dk Dyse fujLr djuk iM+kA chek ikWfylh dh lafonk 'krksZa ds mYya?ku ls lacaf/kr ekeyksa esa {kfriwfrZ vnk;xh gsrq chek daiuh dk dksbZ nkf;Ro ugha curk gSA losZ;j dh QkbZuy losZ fjiksVZ ,oa ifjokfnuh }kjk iznRr lgefr ds vk/kkj ij lkWYost dh dher 80]000@&¼vLlh gtkj :Ik;s½ ,oa ykWl ,Dlsl jkf'k&2]000@&¼nks gtkj :Ik;s½ dVkSrh Ik'pkr~ 5]18]000@&¼ikap yk[k vV~Bkjg gtkj :Ik;s½ {kfriwfrZ jkf'k dh nsunkjh chek daiuh dh curh Fkh] ijUrq chek /kkjd }kjk chek ikWfylh dh lafonk 'krksZa dk mYya?ku fd;s tkus ds dkj.k {kfriwfrZ vnk;xh gsrq chek daiuh dh dksbZ ftEesnkjh ugha curh gSA nq?kZVuk dh lwpuk izkIr gksus ij chek daiuh }kjk rRdky dk;Zokgh djrs gq, LikWV losZ gsrq losZ;j ,- ds- 'kekZ dh rFkk vUos"k.k gsrq vkj- ds- HkV~Vkpk;Z dh fu;qfDr dh xbZ vkSj fu;qfDr ds rRdky Ik'pkr~ gh fnukad&19-02-2015 dks losZ;j v:.k dqekj 'kekZ }kjk ?kVuk LFky // 7 // tkdj okgu dk LikWV losZ fd;k x;kA rRi'pkr~ losZ;j v:.k dqekj 'kekZ dh LikWV losZ fjiksVZ fnukad&08-03-2015 ,oa ifjokfnuh }kjk is'k cukoVh ,fLVesV ds vk/kkj ij {kfr dh vf/kdrk dks n`f"Vxr j[krs gq, QkbZuy losZ gsrq jk;iqj ds vf/kd`r losZ;j mRd"kZ flaxosdj dh fu;qfDr dh xbZ ftUgksaus viuh fjiksVZ esa {kfr dk fu/kkZj.k okgu ds VksVy ykWl ds rgr fd;k x;k Fkk ftlesa losZ;j }kjk lkWYost dh dher 80]000@&¼vLlh gtkj :Ik;s½ fu/kkZfjr dh xbZ ftls ifjokfnuh }kjk le>kSrs o lgefr ds vk/kkj ij vius ikl j[kuk Lohdkj fd;k x;k Fkk rFkk 'ks"k cdk;k jkf'k ,Dlsl jkf'k&2]000@&¼nks gtkj :Ik;s½ dVkSrh Ik'pkr~ dqy&5]18]000@&¼ikap yk[k vV~Bkjg gtkj :Ik;s½ {kfriwfrZ jkf'k chek daiuh }kjk ns; gksuk vfHkfu/kkZfjr fd;k x;k Fkk fdUrq chek /kkjd }kjk chek ikWfylh dh lafonk 'krksZa dk mYya?ku fd;s tkus ds dkj.k {kfriwfrZ vnk;xh gsrq chek daiuh dh dksbZ ftEesnkjh ugha curh gS ftlds dkj.k ifjokfnuh dk nkok fujLr fd;k x;k gS ftlesa vukosnd chek daiuh }kjk lsok esa dksbZ deh ugha fd;k x;k gSA ifjokfnuh] vukosnd chek daiuh ls dksbZ vuqrks"k ikus dh vf/kdkfj.kh ugha gSA vr% ifjokfnuh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjokfnuh@ifjokfnuh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k jsiqfM,'ku ysVj fnukad&18 tuojh 2016 dk vly ¼izn'kZ ih&1½] chek ikWfylh dh Nk;kizfr ¼izn'kZ ih&2@lh½] jftLVsª'ku lfVZfQdsV fMVsYl ,oa lfVZfQdsV vkWQ jftLVsª'ku dh Nk;kizfr] // 8 // iksY;w'ku dkMZ dh Nk;kizfr] MªkbZfoax ykbZlsal dh Nk;kizfr ¼izn'kZ ih&3@lh½] dydRrk vkWVks bathfu;fjax oDlZ dk ,fLVesV dh Nk;kizfr] jftLVsª'ku lfVZfQdsV fMVsYl dh Nk;kizfr ¼izn'kZ ih&4@lh½ izLrqr dh gSA 05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh dh izekf.kr izfr ¼izn'kZ Mh&1½] Oghdy ifVZdqylZ dh Nk;kizfr ¼izn'kZ Mh&2@lh½] ykWl@Msest baVhes'ku ysVj fnukad&18- 02-2015 dh Nk;kizfr ¼izn'kZ Mh&3@lh½] LikWV losZ fjiksVZ fnukad&08-03- 2015 dh Nk;kizfr ¼izn'kZ Mh&4@lh½] Dyse QkeZ dh Nk;kizfr ¼izn'kZ Mh&5@lh½] QkbZuy losZ fjiksVZ fnukad&21-07-2015 dh Nk;kizfr ¼izn'kZ Mh&6@lh½] vkj- ds- HkV~Vkpk;Z dk vUos"k.k laca/kh fjiksVZ fnukad&27-08- 2015 ,oa ifjokfnuh cythr dkSj] eks- tkdhj [kku dk c;ku rFkk isij dfVax dh Nk;kizfr ¼izn'kZ Mh&7@lh½] iqfyl tkap izfrosnu fnukad&07- 06-2015 dk vly ¼izn'kZ Mh&8½] izFke lwpuk izfrosnu dh izekf.kr izfr ¼izn'kZ Mh&9½] vafre izfrosnu dh izekf.kr izfr ¼izn'kZ Mh&10½] vijk/k fooj.k dk QkeZ dh izekf.kr izfr ¼izn'kZ Mh&11½] exZ baVhes'ku dh izekf.kr izfr ¼izn'kZ Mh&12½] 'ko ijh{k.k ds fy, vkosnu ,oa 'ko ijh{kk izfrosnu dh izekf.kr izfr ¼izn'kZ Mh&13½] exZ baVhes'ku dh izekf.kr izfr ¼izn'kZ Mh&14½] 'ko ijh{k.k ds fy, vkosnu ,oa 'ko ijh{kk izfrosnu dh izekf.kr izfr ¼izn'kZ Mh&15½] exZ baVhes'ku dh izekf.kr izfr ¼izn'kZ Mh&16½] 'ko ijh{k.k ds fy, vkosnu ,oa 'ko ijh{kk izfrosnu dh izekf.kr // 9 // izfr ¼izn'kZ Mh&17½] exZ baVhes'ku dh izekf.kr izfr ¼izn'kZ Mh&18½] 'ko ijh{k.k ds fy, vkosnu ,oa 'ko ijh{kk izfrosnu dh izekf.kr izfr ¼izn'kZ Mh&19½] vukosnd }kjk ifjokfnuh dks izsf"kr i= fnukad&04-09-2015 dh Nk;kizfr ¼izn'kZ Mh&20@lh½] ifjokfnuh }kjk izLrqr Li"Vhdj.k dh Nk;kizfr ¼izn'kZ Mh&21@lh½] e.My dk;kZy; fHkykbZ dk i= fnukad&31- 12-2015 dh Nk;kizfr ¼izn'kZ Mh&22@lh½] vukosnd }kjk ifjokfnuh dks izsf"kr i= fnukad&18 tuojh 2016 dh Nk;kizfr ¼izn'kZ Mh&23@lh½ rFkk isij dfVax ¼izn'kZ Mh&24½ izLrqr fd;k gSA 06- mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, ifjokfnuh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftldss fo:} ;g vihy gSA 07- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% =qfViw.kZ gSA iz'uk/khu okgu esa pkyd lfgr cSBus dh {kerk 09 O;fDr dk Fkk mlds foijhr okgu esa 12 O;fDr cSBkdj <ks;k tk jgk Fkk tks fd chek ikWfylh dh 'krksZa dk mYya?ku gSA losZ;j us {kfr dk vkadyu 5]18]000@&¼ikap yk[k vV~Bkjg gtkj :Ik;s½ fu/kkZfjr fd;k gS vkSj pwafd ifjokfnuh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS blfy, vukosnd fdlh izdkj dh {kfriwfrZ ds fy, nkf;Rok/khu ugha gSA vr% vukosnd dh // 10 // vihy Lohdkj fd;k tkosA fty Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 08- mRrjokfnuh@ifjokfnuh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj- ds- Hkkoukuh dk rdZ gS fd ifjokfnuh dk ifr Lo- jkeiky flag iz'uk/khu okgu dzekad&C.G.18J/1916 dk iathd`r Lokeh Fkk tks fd vukosnd ds ikl chfer Fkk ftldk chfer ewY; 6]00]000@&¼N% yk[k :Ik;s½ Fkk vkSj mDr okgu nq?kZVukxzLr gks x;k FkkA okgu dks ifjokfnuh ds ifr Lo- jkeiky flag vius nksLrksa nhid] ftrs'k ÅQZ xksyw] tkdhj] jktk ekS;Z] lehj eq[kthZ ds lkFk vius ifjfpr fdjanqy ds iwoZ uxj ikfydk v/;{k 'kSysUnz flag ds HkkbZ dh 'kknh esa 'kkfey gksus cSykfMyk ls jkfte tk jgs Fks rc okgu nq?kZVukxzLr gqbZ Fkh ftlesa thrs'k] nhid] uohu dh e`R;q gks xbZA bldh lwpuk vukosnd dks fn;k x;k vkSj lacaf/kr Fkkus esa fjiksVZ ntZ djk;k x;k FkkA okgu iw.kZr% {kfrxzLr gks x;k FkkA okgu dk chfer ewY; 6]00]000@&¼N% yk[k :Ik;s½ Fkk] ijUrq ftyk Qksje us losZ;j }kjk vkadfyr {kfr dks mfpr ekurs gq, jkf'k fnyk;k gS tks fd iw.kZr% mfpr gSA vr% vukosnd dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 09- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA // 11 // 10- ;g Lohd`r gS fd ifjokfnuh dk ifr Lo- jkeiky flag okgu dzekad&C.G.18J/1916 dk iathd`r Lokeh FkkA ;g Hkh Lohd`r gS fd mDr okgu vukosnd ds ikl fnukad&18-04-2014 ls fnukad&17-04-2015 dh vof/k ds fy, chfer FkkA ;g Hkh Lohd`r gS fd chfer vof/k esa fnukad&16-02-2015 dks nq?kZVukxzLr gks xbZ FkhA 11- vukosnd chek daiuh dk eq[; vk{ksi ;g gS fd okgu esa nq?kZVuk ds le; fu/kkZfjr ek=k ls vf/kd lokjh cSBs Fks tks fd chek 'krksZa dk mYya?ku gSA 12- lfVZfQdsV vkWQ jftLVsª'ku dks ns[kk x;kA blesa okgu dh lhfVax dSisflVh 09 crk;k x;k gSA mlh izdkj chek ikWfylh esa Hkh MªkbZoj dks feykdj 08 O;fDr;ksa ds cSBus dh {kerk crk;k x;k gSA bl izdkj ;g ikWfylh izkbZosV dkj iSdst ikWfylh ds :Ik esa tkjh fd;k x;k Fkk vkSj okgu esa cSBus dh {kerk 08 FkhA vukosnd ds vuqlkj ifjokfnuh ds ifr us nq?kZVuk ds le; okgu esa 12 lokjh fcBk;k FkkA ifjokfnuh cythr dkSj us vius 'kiFk&i= esa 08 yksxksa ds cSBus dk mYys[k fd;k gS] ijUrq vukosnd }kjk tks losZ fjiksVZ izLrqr fd;k x;k gS mlds fjekdZ esa 12 O;fDr ;k=k djrs gq, ik;k tkuk mYysf[kr gSA izFke lwpuk&i= tks fd jktk ekS;Z ds }kjk fy[kk;k x;k gS] mlesa okgu esa nq?kZVuk ds le; 12 yksxksa ds ;k=k djus dk mYys[k fd;k x;k gS rFkk iqfyl izfrosnu esa Hkh 12 yksx okgu esa cSBuk n'kkZ;k x;k gS rFkk vukosnd chek daiuh }kjk // 12 // vkj- ds HkV~Vkpk;Z dks vUos"kd fu;qDr fd;k x;k Fkk vkSj vUos"kd us Hkh nq?kZVuk ds le; 12 yksx dks lokj gksuk crk;k gSA bl izdkj Li"V gS fd nq?kZVuk ds le; okgu esa fu/kkZfjr {kerk ls 04 lokjh vf/kd ;k=k dj jgs FksA 13- Lakhmi Chand Vs. Reliance General Insurance , II (2016) CPJ 3 (SC), essa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Accident was caused on account of rash and negligent driving of offending vehicle. FIR under Sections 337, 338, 304A and 427 of IPC registered against driver of vehicle. Insurance Company not produced any evidence on record to prove that accident occurred on account of overloading of passengers in goods carrying vehicle. For the insurer to avoid liability, breach of policy must be so fundamental in nature that it brings contract to an end. Violation of policy conditions not established. Repudiation not justified."
14. Oriental Insurance Company vs. Girbar Sinh Nandwanshi & Anr. 2015 (3) CPR 299 (NC), essa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "the claim repudiated on ground of overloading, in a case of overloading claim has to be processed on non-standard basis. In case of overloading of a vehicle, beyond licensed carrying capacity, claim preferred by Insured should be paid @ 75% of admissible claim."
15. Oriental Insurance Company Limited & Anr. vs. Rajak 2015 (3) CPR 375 (NC) essa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 13 // "In case of overloading of vehicle beyond licence carrying capacity claim is admissible upto 75% on non-standard basis."
16. Ganjpal Patre Vs. Oriental Insurance Company Limited, IV (2016) CPJ 231 (NC), essa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& " In the case of overloading, the claim can be allowed on non-standard basis."
17- bl vk;ksx ds izFke vihy dzekad&,Q,@2017@544 f'koiwtu dq'kokgk fo:} fn vksfj,.Vy ba';ksjsal daiuh fyfeVsM }kjk 'kk[kk dk;kZy; ¼mijksDr½ esa bl vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& ** dsoy bl vk/kkj ij fd okgu esa 12 lokjh cSBs gq, Fks] ifjoknh ds nkos dks vLohdkj djuk mfpr ugha gS] vfirq ifjoknh vekud vk/kkj ij (Non Standard Basis) {kfriwfrZ ikus dk vf/kdkjh gSA** 18- bl izdj.k esa losZ;j }kjk {kfr dk vkadyu fd;k x;k gS vkSj losZ;j us 5]18]000@&¼ikap yk[k vV~Bkjg gtkj :i;s½ {kfr dk vkadyu fd;k gSA tgka rd losZ;j fjiksVZ dk laca/k gS og ,d egRoiw.kZ lk{; gksrk gS vkSj mls ewY;oku lk{; ds :Ik esa xzg.k fd;k tk ldrk gS vkSj bl izdkj losZ;j us tks 5]18]000@&¼ikap yk[k vV~Bkjg gtkj :i;s½ {kfr dk vkadyu fd;k gS og Lohdkj fd;s tkus ;ksX; gSA // 14 // 19- pwafd okgu esa lokjh cSBkus dh {kerk 08 Fkh vkSj mlesa 12 lokjh cSBs gq, FksA ,slh fLFkfr esa Åij of.kZr U;k; n`"Vkarksa ds ifjizs{; esa ifjokfnuh dk laiw.kZ nkok fujLr ugha fd;k tk ldrkA pwafd losZ;j dh fjiksVZ ,d fo'oluh; nLrkost gS vkSj losZ;j }kjk {kfr dk vkadyu 5]18]000@&¼ikap yk[k vV~Bkjg gtkj :Ik;ss½ fd;k x;k gS vkSj ifjokfnuh vekud vk/kkj ij (Non Standard Basis) vFkkZr~ 75 izfr'kr jkf'k {kfriwfrZ ds :Ik esa ikus dh vf/kdkfj.kh gS tks fd 5]18]000@&¼ikap yk[k vV~Bkjg gtkj :Ik;ss½ dk 3]88]500@&¼rhu yk[k vBklh gtkj ikap lkS :Ik;s½ gksrk gS tks ifjokfnuh] vukosnd ls izkIr djus dh vf/kdkfj.kh gSA 20- ftyk Qksje us 12 izfr'kr okf"kZd C;kt dh nj ls C;kt fnyk;k gSA gekjs er ls ifjokfnuh dks mDr jkf'k&3]88]500@&¼rhu yk[k vBklh gtkj ikap lkS :Ik;s½ ij ftyk Qksje ds vkns'k fnukad&03-05- 2017 ls jde dh vnk;xh fnukad rd 06 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls C;kt fnyk;k tkuk mfpr gksxk rFkk tks ekufld {kfriwfrZ ds fy, 5]000@&¼ikap gtkj :Ik;s½ ,oa okn O;; ds fy, 3]000@&¼rhu gtkj :Ik;s½ fnyk;k gS] og Hkh mfpr gS vkSj ml ij gLr{ksi dh vko';drk ugha gSA 21- mijksDr foospuk ds ifjizs{; esa vihykFkhZ@vukosnd nh U;w bafM;k ,';ksjsal daiuh fyfeVsM dh vksj ls izLrqr vihy vkaf'kd :Ik ls Lohdkj fd;k tkrk gSA ftyk Qksje us tks vkyksP; vkns'k dh dafMdk&15 dh // 15 // mi dafMdk&1 esa tks vkns'k ikfjr fd;k gS mls ifjofrZr djrs gq, ;g vknsf'kr fd;k tkrk gS fd vihykFkhZ@vukosnd] mRrjokfnuh@ifjokfnuh dks {kfriwfrZ ds :Ik esa 5]18]000@&¼ikap yk[k vV~Bkjg gtkj :Ik;s½ dk vekud vk/kkj ij (Non Standard Basis) 75 izfr'kr jkf'k tks fd 3]88]500@&¼rhu yk[k vBklh gtkj ikap lkS :Ik;s½ gksrk gS] mRrjokfnuh@ifjokfnuh dks vkns'k fnukad ls 30 fnol ds Hkhrj vnk djsxk rFkk mDr 3]88]500@&¼rhu yk[k vBklh gtkj ikap lkS :Ik;s½ ij ftyk Qksje ds vkns'k fnukad&03-05-2017 ls jde dh vnk;xh fnukad rd 06 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls C;kt Hkh vnk djsxkA ftyk Qksje us tks ekufld {kfriwfrZ ds fy, 5]000@&¼ikap gtkj :Ik;s½ ,oa okn O;; ds fy, 3]000@&¼rhu gtkj :Ik;s½ fnyk;k gS] mls ;Fkkor~ j[kk tkrk gS rFkk bl vihy dk O;; Hkh vihykFkhZ@vukosnd] mRrjokfnuh@ifjokfnuh dks 2]000@&¼nks gtkj :Ik;s½ vnk djsxkA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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