State Consumer Disputes Redressal Commission
Nationl Ins.Co.Ltd. vs Ridhi Sidhi Ind. on 12 November, 2009
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miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj 1- vihy la[;k%686@2005 1- us'kuy bU';ksjsUl dEiuh fy- e.Myh; dk;kZy;] 10 ukjk;.k flag lfdZy] t;iqjA 2- us'kuy bU';ksjsal dEiuh fy-] pq:] jktLFkkuA vihykaV~l&foi{khx.k cuke fjf) fl)h b.MLVªht] ,&335 ¼,½ oh-ds-vkbZ- ,fj;k] jksM ua-17] t;iqj tfj;s lat; Hkkxhnkj] x.kifr ,uDyso 108] izFke eafty] lsUVªy Likbu fo|k/kj uxj] t;iqjA jsLiksMsaV&ifjoknh 2- vihy la[;k%623@2005 fjf) fl)h b.MLVªht] ,&335 ¼,½ oh-ds-vkbZ- ,fj;k] jksM ua-17] t;iqj tfj;s lat; Hkkxhnkj] x.kifr ,uDyso 108] izFke eafty] lsUVªy Likbu fo|k/kj uxj] t;iqjA vihykaV&ifjoknh cuke 1- us'kuy bU';ksjsUl dEiuh fy- e.Myh; dk;kZy;] 10 ukjk;.k flag lfdZy] t;iqjA 2- us'kuy bU';ksjsal dEiuh fy-] pq:] jktLFkkuA jsLiksMsaV~l&foi{khx.k fnukad%12@11@2009 le{k ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ] v/;{k ekuuh;k Jherh foeyk lsfB;k] lnL;k mifLFkr%& Jh ikjl tSu],MoksdsV] us'kuy ba';ksjsal da- dh vksj ls Jh ine [ksrku],MoksdsV]fj)h fl}h b.MLVªht dh vksj ls jkT;
vk;ksx }kjk%& 1- bu nksuks vihyksa dk Qslyk ,d gh fu.kZ; ls fd;k tk jgk gS D;ksafd ;s nksuks vihysa ftyk eap] t;iqj f}rh;] t;iqj }kjk ifjokn la- 496@2004 esa ikfjr vkns'k fnukad 16-3-2005 ds fo:) is'k dh xbZ gSA vihy la[;k 686@2005¼us'kuy bU';ksjsal d-fy- cuke fj}h fl}h bUMLVªht½ ds rF;
2- ;g vihy vihykaV~l&ba';ksjsal dEiuh tks fd ewy ifjokn esa foi{khx.k Fks us ftyk eap] t;iqj f}rh;] t;iqj ds vkns'k fnukad 16-3-2005 tks mUgksaus ifjokn la[;k 496@2004 esa fuEu :i esa ikfjr fd;k& ^^vr% ifjoknh dk ifjokn] Lohdkj dj] foi{khx.k dks funsZ'k fn;k tkrk gS fd oks] bl vkns'k dh rkjh[k ls] nks ekg esa] 91]592 + 84]760 dqy 1]76]352@&:-¼v{kjs ,d yk[k fN;Rrj gtkj rhu lkS ckou :i;s½ dh jkf'k] ifjoknh dks] vnk djsaA foi{khx.k }kjk] bl vkns'k dh rkjh[k ls] nks ekg esa] 91]592 + 84]760 dqy 1]76]352@&:- dh jkf'k] ifjoknh dks] vnk u fd;s tkus ij] ifjoknh] 91]592 + 84]760@&:- dqy 1]76]352@&:- dh jkf'k ij] bl vkns'k dh rkjh[k ls] vnk;xh rd] 9 izfr'kr izfro"kZ dh nj ls C;kt izkIr djus dk vf/kdkjh gksxkA bl vkns'k dh rkjh[k ls] nks ekg esa foi{khx.k] ifjoknh dks] ekufld larki dh {kfriwfrZ Lo:i 5000@&:-
,oa ifjokn O;; ds 1000@&:- dqy 6000@&:-¼v{kjs N% gtkj :i;s½ Hkh vnk djsaA** ds fo:) is'k dh gSA 3- ;g bu ifjfLFkfr;ksa esa lkeus vk;k gS fd ifjoknh&jsLiksMsaV us ,d ifjokn vihykaV~l&ba';ksjsal dEiuh tks fd ewy ifjokn esa foi{khx.k Fks ds fo:) ftyk eap] t;iqj f}rh;] t;iqj esa fnukad 18-8-2004 dks is'k fd;k ;g dgdj fd ifjoknh&QeZ [kkn~; rsy dk O;olk; djrh gS o eky xzkgdksa dks LiykbZ djrh gS ftl gsrq muds }kjk vihykaV~l&ba';ksjsal dEiuh ls 1 djksM 50 yk[k dk VªkatV ba';kssjsal djok;k Fkk ftlesa ,slh dksbZ 'krZ ugha Fkh fd eky dh dher 8 yk[k :i;s ls vf/kd ugha gksA ifjoknh&jsLiksMsaV dk dguk gS fd ckn esa muds }kjk i=k fnuakd 2-12-2002 ls ikWfylh 1 djksM 50 yk[k :i;s ls c<+kdj 2 djksM 50 yk[k :i;s dj nh Fkh o ikWfylh dh ,-lh-fyfeV 8 yk[k ds cnys vc 11 yk[k djus gsrq vihykaV~l&foi{khx.k djus gsrq dgk FkkA ifjoknh&jsLiksMsaV ds vuqlkj muds }kjk vius ukxkyS.M ds xzkgdksa dks fcy fnukad 23-2-2002 ds }kjk Vªd ds ek/;e ls eky Hkstk x;k tks Vªd nq?kZVukxzLr gks x;kA bldh lwpuk vihykaV~l&ba';ksjsal dEiuh dks nh ftlus Jh-,-ds-JhokLrok oY;wvj dks losZ;j fu;qDr fd;k ftlus ifjoknh dks 97]287@&:i;s dh {kfr ckcr fjiksVZ nhA blds ckn esa Hkh vizSy 2003 esa vklke ds ,d xzkgd dks Vªd ds }kjk ljlksa rsy Hkstk tk jgk Fkk tks Hkh nq?kaZVukxzLr gks x;k] ftldh lwpuk Hkh vihykaV~l&ba';ksjsal dEiuh dks nh] ftl ij muds }kjk Jh ih-ds-pØorhZ dks fu;qDr fd;k] ftUgksaus viuh losZ fjiksVZ fnukad 12-5-2003 esa dqy uqdlku 84]760@&:i;s r; fd;kA ifjoknh&jsLiksMsaV ds vuqlkj muds }kjk mDr nksuks nq?kZVuk esa gq;s eky ds uqdlku dh {kfr 97]287@&:i;s o 84]760@&:i;s ckcr Dyse is'k fd;k] fdUrq vihykaV~l&ba';ksjsaal dEiuh us muds Dyse dks Øe'k% 87]252@&:i;s rFkk 65]262@&:i;s dh jkf'k rd gh ikl fd;kA vr% ifjoknh&jsLiksMsaV us bls vihykaV~l&ba';ksjsal dEiuh dh vuQs;j VªsM izsfDVl ekurs gq;s okLrfod gkfu dh jkf'k 97]287@&:i;s o 84]760@&:i;s e; C;kt ds fnykus o vU; vuqrks"k gsrq ifjokn is'k fd;kA 4- vihykaV~l&ba';ksjsal dEiuh us ftyk eap esa viuk tokc fnukad 29-10-2004 dks fn;k ;g dgdj fd ;g lgh gS fd ifjoknh&QeZ us 1-5 djksM dk chek djk;k Fkk fdUrq ,d Transit ds fy;s 8 yk[k :i;s rd dk chek Fkk ftldh ikWfylh izn'kZ vkj&1 gS rFkk ckn esa ikWfylh dks 1-5 djksM ls c<kdj 2-5 djksM dj fn;k Fkk ftlesa iwoZ ikWfylh esa of.kZr vU; 'krsZ ykxw Fkh tks ikWfylh izn'kZ vkj&2 gS ftlesa chek/ku jkf'k c<kbZ xbZ Fkh u fd Single transit limit c<kbZ xbZ FkhA vihykaV~l&ba';ksjsal dEiuh dk vkxs dguk gS fd fnukad 23-2-2003 ds fcy }kjk Single transit ds tfj;s 8]92]000@&:i;s dk eky Hkstk Fkk tcfd Single transit dh Limit ek=k 8 yk[k :i;s Fkh vr% chek dEiuh ds losZ;j }kjk Loss dk vkadyu 91]591 esa 2 izfr'kr CST¼1831@&:-½ o losZ;j Qhl :- 3865@&:i;s tksMuss ij 97]287@&:i;s ij Average clause yxkus ds ckn 87]252@&:i;s Dyse ns; ik;s] fdUrq ifjoknh&jsLiksMsaV us VªkaliksVZj dks uqdlku ckcr izksij uksfVl ugha fn;k ftl dkj.k /kkjk 10 The Carries Act 1865 ds rgr ifjoknh&jsLiksMsaV ds Dyse dks lc LVS.MZ ekurs gq;s 25 izfr'kr jkf'k dh dVkSrh djrs gq;s 65]439@&:i;s dk Dyse ns; ik;k ] ftldh lwpuk ifjoknh&jsLiksMsaV dks tfj;s i=k fnukad 19-7-2004 ns nh xbZA blh izdkj ls vihykaV~l&ba';ksjsal dEiuh dk vkxs dguk gS fd fnukad 23-2-2003 ds fcy }kjk Single transit ds tfj;s 10]39]000@&:i;s dk eky Hkstk Fkk tcfd Single transit dh Limit ek=k 8 yk[k :i;s Fkh vr% chek dEiuh ds losZ;j }kjk Loss dk vkadyu 84]760@&:i;s ij Average clause yxkus ds ckn 65]262@&:i;s Dyse ns; ik;s] fdUrq ifjoknh&jsLiksMsaV us VªkaliksVZj dks uqdlku ckcr izksij uksfVl ugha fn;k ftl dkj.k /kkjk 10 The Carries Act 1865 ds rgr ifjoknh&jsLiksMsaV ds Dyse dks lc LVS.MZ ekurs gq;s 25 izfr'kr jkf'k dh dVkSrh djrs gq;s 48]946@&:i;s dk Dyse ns;
ik;k ] ftldh lwpuk ifjoknh&jsLiksMsaV dks tfj;s i=k fnukad 19-7-2004 ns nh xbZ] vr% bl izdkj ls mudh lsok esa dksbZ deh ugha jgrh gS vr% ifjoknh&jsLiksMsaV QeZ dk ifjokn [kkfjt fd;k tk,sA 5- ftyk eap us nksuks i{kksa dks lquus ds ckn ifjoknh&jsLiksMsaV dk ifjokn mijksDr izdkj ls Lohdkj fd;k ;g ekurs gq;s fd& 1- ;g fd ;g Lohd`r rF; gS fd ifjoknh }kjk izhfe;e vnk;xh ds vk/kkj ij] ekg fnlEcj 2002 esa] chek /ku dh jkf'k 1-5 djksM ls c<+kdj 2-5 djksM dj nh x;hA 2- ;g fd izFke nq?kZVuk esa dkfjr okLrfod {kfr dk vkadyu losZ;j Jh ,-ds-JhokLrok us losZ fjiksVZ izn'kZ vkj&4 fnuakd 10-3-2003 esa 91]592@&:i;s fd;k gS o nwljh nq?kZVuk esa dkfjr okLrfod {kfr dk vkadyu losZ;j Jh ih-ds-pØorhZ us izn'kZ vkj&15 fnukafdr 12-5-2003 }kjk 84]760@&:i;s fd;kA 3- ;g fd foi{khx.k }kjk fof/kd rkSj ij bl rF; dks izekf.kr fd;k tkuk vko';d Fkk fd muds }kjk ifjoknh }kjk izhfe;e vnk;xh ds vk/kkj ij] chfer jkf'k 1-5 djksM ls 2-5 djksM fd;s tkus ds le; ,oa 1-5 djksM dh chek ikWfylh djkrs le; flaxy VªkatsD'ku dh fyfeV 8 yk[k :i;s FkhA 4- ;g fd flaxy VªkatsD'ku fyfeV 8 yk[k :i;s gksus ds rF; dks foi{kh dh vksj ls izekf.kr djok;s tkus ds mijkar gh oks muds }kjk fu;qDr losZ;j }kjk vkadfyr okLrfod {kfr dh jkf'k esa ls jkf'k de djkus ds vf/kdkjh FksA 5- ;g fd foi{khx.k }kjk fu;qDr losZ;j dh losZ fjiksVZ ds foijhr] jkf'k de dj] ifjoknh dks vnk;xh fd;s tkus dk] foi{khx.k ds ikl dksbZ U;k;ksfpr vk/kkj ugha FkkA 6- ;g fd bl izdkj ls foi{khx.k }kjk fu;qDr losZ;j dh losZ fjiksVZ ds vuqlkj izFke nq?kZVuk dh okLrfod {kfr ds vkadyu dh jkf'k 91]592@&:i;s ,oa f}rh; nq?kZVuk ls dkfjr okLrfod {kfr dh jkf'k 84]760@&:i;s dh jkf'k vnk;xh foi{khx.k }kjk] ifjoknh dks u dj] lsoknks"k dkfjr fd;k gSA 6- ml vkns'k ls vlarq"V gksdj vihykaV~l&ba';ksjsal dEiuh us ;g vihy is'k dh gSA 7- fo}ku odhy vihykaV~l&ba';ksjsal dEiuh dk nkSjkus cgl vihy eq[; eqn~nk ;gh jgk gS fd muds }kjk ifjoknh&jsLiksMsaV ds nksuks nq?kZVukvksa ls lacaf/kr Dyse lc LVs.MMZ ds vk/kkj ij lgh r; fd;s x;s Fks ftuesa dksbZ xyrh ugha gS vr% blds foijhr ftyk eap us tks vkns'k ikfjr fd;k gS og xyr gksus ls fujLr fd;k tkdj vihykaV~l&ba';ksjsal dEiuh dh vihy Lohdkj dh tk,sA 8- blds foijhr fo}ku odhy ifjoknh&jsLiksMsaV dk dguk gS fd ftyk eap us tks {kfriwfrZ fnykbZ gS og de gS vr% {kfriwfrZ jkf'k esa o`f) dh tk,sA 9- bl lanHkZ esa fopkj fd;k x;kA 1- bl dsl esa blesa dksbZ nkSjk; ugha gS ifjoknh&jsLiksMsaV us vihykaV~l&ba';ksjsal dEiuh ls 1]50]00]000@&:i;s dh Insurance policy ¼izn'kZ vkj&1½fnukad 29-5-2002 ls 28-5-2003 dh vof/k gsrq yh Fkh ftlesa Limit Per Transit 8]00]000@&:i;s¼v{kjs vkB yk[k :i;s ek=k½ FkhA 2- blesa Hkh dksbZ nkSjk; ugha gS fd blds ckn esa fnlEcj 2002 esa izn'kZ vkj&2 }kjk mDr Insurance policy dks 1]50]00]000@&:i;s ls c<kdj 2]50]00]000@&:i;s dj fn;k x;k] ysfdu mDr ikWfylh esa Limit Per Transit 8]00]000@&:i;s dks c<+kus dk dgha dksbZ ftØ ugha gSA 3- blesa Hkh dksbZ nkSjk; ugha gS fd vihykaV~l&ba';ksjsal dEiuh ds losZ;j Jh ,-ds-JhokLrok us viuh losZ fjiksVZ izn'kZ vkj&4 fnukafdr 10-3-2003 esa nq?kZVuk esa okLrfod uqdlku 91]592@&:i;s ekuk o nwljh nq?kZVuk esa loZ;j Jh ih-ds-pØorhZ us viuh losZ fjiksVZ izn'kZ vkj&15 fnukad 12-5-2003 esa okLrfod uqdlku 84]760@&:i;s ekuk gSA 4- blesa Hkh dksbZ nkSjk; ugha gS fd vihykaV~l&ba';ksjsal dEiuh us izFke nq?kZVuk ds lEcU/k esa ifjoknh&jsLiksMsaV dk Dyse vius i=k fnukad 27-7-2004¼izn'kZ&1 o 2½ }kjk fuEu izdkj r; fd;k& ^^vkidk i=k fnukad 23-7-2004 dks izkIr gqvk] bl lEcU/k esa vkidh nkok jkf'k 65]439@&:i;s l{ke vf/kdkjh }kjk ikfjr dh xbZ gS ftldk fooj.k bl izdkj gS& 1- losZ;j }kjk jkf'k &97]287@& 2- ,ojst DykWt ds ckn jkf'k &87]252@& 3- lcLVs.MMZ ds ckn &65]439@& ikfjr jkf'k vr% ge vkils iqu% vuqjks/k@fuosnu djrs gS fd gekjs iwoZ i=k la[;k 371101@21@03@4200001 fnukad 19-7-2004 ds rgr nLrkost@dkxtkr dh dk;Zokgh djs rkfd nkos dk fu"iknu fd;k tk ldsA** 5- blesa Hkh dksbZ nkSjk; ugha gS fd vihykaV~l&ba';ksjsal dEiuh us nwljh nq?kZVuk ds lEcU/k esa ifjoknh&jsLiksMsaV dk Dyse vius i=k fnukad 27-7-2004¼izn'kZ&3 o 4½ }kjk fuEu izdkj r; fd;k& ^^vkidk i=k fnukad 23-7-2004 dks izkIr gqvk] bl lEcU/k esa vkidh nkok jkf'k 48]946@&:i;s l{ke vf/kdkjh }kjk ikfjr dh xbZ gS ftldk fooj.k bl izdkj gS& 1- losZ;j }kjk jkf'k &84]760@& 2- ,ojst DykWt ds ckn jkf'k &65]262@& 3- lcLVs.MMZ ds ckn &48]946@& ikfjr jkf'k vr% ge vkils iqu% vuqjks/k@fuosnu djrs gS fd gekjs iwoZ i=k la[;k 371101@21@03@4200002 fnukad 19-7-2004 ds rgr nLrkost@dkxtkr dh dk;Zokgh djs rkfd nkos dk fu"iknu fd;k tk ldsA** 10- ,slh fLFkfr esa vc gesa ;g ns[kuk gS fd ftyk eap dh QkbZfMax ftlds }kjk ifjoknh&jsLiksMsaV dks losZ;j }kjk vkadfyd dh xbZ nksuks nq?kZVuk esa okLrfod uqdlku dh jkf'k 91]592 +84]760 dqy 1]76]352@&:i;s tks fnyk;s gS og lgh gS ;k ugha rFkk vihykaV~l&ba';ksjsal dEiuh }kjk tks vius i=k fnukad 27-7-2004¼izn'kZ 1 ls 4½ }kjk tks lc LVS.MMZ Dyse dh jkf'k r; dh xbZ gS og lgh gS ;k ughaA 11- gekjh jk; esa tgka rd ftyk eap dh QkbZfMax ftlds }kjk ifjoknh&jsLiksMsaV dks losZ;j }kjk vkadfyd dh xbZ izFke nq?kZVuk dh okLrfod uqdlku dh jkf'k 91]592@&:i;s o nwljs nq?kZVuk dh okLrfod uqdlku dh jkf'k 84]760@&:i;s fnyk;s tkus dk lEcU/k gS] mfpr ugha gS D;ksafd bl dsl esa Insurance policy izn'kZ vkj&1 dks ns[kus ls Li"V gS fd Limit Per Transit 8]00]000@&:i;s¼v{kjs vkB yk[k :i;s ek=k½ Fkh o ckn esa Insurance policy dks fnlEcj 2002 esa izn'kZ vkj&2 }kjk 1]50]00]000@&:i;s ls c<kdj 2]50]00]000@&:i;s dj fn;k x;k] ysfdu mDr policy esa Limit Per Transit 8]00]000@&:i;s dks c<+kus dk dgha dksbZ ftØ ugha FkkA 12- vr% ,slh fLFkfr esa ;gh ekuk tk,sxk fd policy esa Limit Per Transit 8]00]000@&:i;s Fkh] u fd mlls vf/kd Fkh] blfy, ftyk eap dh QkbZfMax ftlds }kjk ifjoknh&jsLiksMsaV dks nksuks nq?kZVukvksa esa losZ;j }kjk vkadfyd dh xbZ okLrfod uqdlku dh jkf'k fnykbZ gS] og dkfcys iqf"V ugha jgrh gS ,oa ifjoknh&jsLiksMsaV] vihykaV~l&ba';ksjsal dEiuh }kjk Average clause ds vk/kkj ij i=k fnukad 27-7-2004¼izn'kZ 1 ls 4½ esa ekuh xbZ jkf'k gh izkIr djus ds vf/kdkjh gS] u fd losZ;j }kjk ekuh xbZ uqdlku dh jkf'kA 13- bl izdkj ls ifjoknh&jsLiksMsaV izFke nq?kZVuk esa losZ;j }kjk ekuh xbZ jkf'k 97]287@&:i;s esa ls Average clause dh jkf'k dks ?kVkdj] 97]287@&:i;s ds LFkku ij 87]252@&:i;s o nwljh nq?kZVuk ds lEcU/k esa losZ;j }kjk ekuh xbZ jkf'k 84]760@&:i;s esa ls Average clause dh jkf'k dks ?kVkdj] 84]760@&:i;s ds LFkku ij 65]262@&:i;s izkIr djus dk vf/kdkjh gSA vc iz'u ;g mBrk gS fd vihykaV~l&ba';ksjsal dEiuh ds i=k fnukad 27-7-2004¼izn'kZ&1 ls izn'kZ&4½ ftuds }kjk ifjoknh&jsLiksMsaV ds nksuks Dyse dks lc LVS.MMZ ekurs gq;s Dyse jkf'k r; dh xbZ gS lgh gS ;k ughaA 14- ;gka dguk mfpr gksxk fd tc vihykaV~l&ba';ksjsal dEiuh us nksuks nq?kZVukvksa ds lEcU/k esa losZ;j }kjk ekuh x;h jkf'k ds LFkku ij Average clause ds vk/kkj ij jkf'k eku yh Fkh rks fQj mlds ckn esa lc LVs.MMZ ds vk/kkj ij Dyse dks r; fd;k tkuk mfpr ugha gS] vr% ,slh fLFkfr esa ifjoknh&jsLiksMsaV Average clause ds vk/kkj ij gh Dyse jkf'k izkIr djus dk vf/kdkjh gS] u fd lc LVS.MMZ Dyse ds vk/kkj ijA 15- tgka rd ftyk eap }kjk mijksDr jkf'k ij fnyk;s x;s 09 izfr'kr izfro"kZ dh nj ls C;kt o {kfriwfrZ jkf'k 5]000@&:i;s o ifjokn O;; 1000@&:i;s dk lEcU/k gS] gekjh jk; esa ekeys ds leLr rF;ksa ,oa ifjfLFkfr;ksa dks ns[krs gq;s ftyk eap dk vkns'k bl lEcU/k esa dkfcys iqf"V gS ftlesa gLr{ksi djus ds gekjs le{k dksbZ dkj.k ugha gSA 16- mijksDr dkj.kksa ds vk/kkj ij vihykaV~l&ba';ksjsal dEiuh dh vihy vkaf'kd :i ls Lohdkj dh tkus ;ksX; gSA ifj.kker% vihykaV~l&ba';ksjsal dEiuh dh vihy vkaf'kd :i ls Lohdkj dh tkrh gS rFkk vkns'k fn;k tkrk gS fd& 1- ;g fd ifjoknh&jsLiksMsaV izFke nq?kZVuk esa losZ;j }kjk ekuh xbZ jkf'k 97]287@&:i;s esa ls Average clause dh jkf'k dks ?kVkdj] 97]287@&:i;s ds LFkku ij 87]252@&:i;s izkIr djsxkA 2- ;g fd blh izdkj ls ifjoknh&jsLiksMsaV nwljh nq?kZVuk ds lEcU/k esa losZ;j }kjk ekuh xbZ jkf'k 84]760@&:i;s esa ls Average clause dh jkf'k dks ?kVkdj] 84]760@&:i;s ds LFkku ij 65]262@&:i;s izkIr djsxkA 2- ftyk eap] t;iqj f}rh;] t;iqj dk fookfnr vkns'k fnukad 16-3-2005 blh gn rd la'kksf/kr fd;k tkrk gS o 'ks"k vkns'k dh iqf"V dh tkrh gSA vihy la[;k%623@2005¼fj)h fl)h b.MLVªht cuke us'kuy ba';ksjsal dEiuh fyfeVsM½ 16- ;g vihy ifjoknh&vihykaV us ftyk eap] t;iqj f}rh;] t;iqj ds vkns'k fnukad 16-3-2005 tks mUgksaus ifjokn la[;k 496@2004 ftls vihy la-686@2005 esa Åij dksM fd;k tk pqdk gS] ds fo:) {kfriwfrZ jkf'k esa o`f) gsrq is'k dh gSA 17- gekjh jk; esa pwafd vihy la[;k 686@2005 esa gekjs }kjk ifjoknh&jsLiksMsaV dks nksuks nq?kZVukvksa ds lEcU/k esa losZ;j }kjk vkadfyr dh xbZ uqdlku dh jkf'k esa ls Average clause dh jkf'k ?kVkdj Dyse jkf'k fnyk;k tkuk mfpr ekuk gS vr% ,slh fLFkfr esa ifjoknh&vihykaV dh vihy [kkfjt dh tkus ;ksX; gSA ifj.kker% ifjoknh&vihykaV dh vihy [kkfjt dh tkrh gS rFkk vkns'k fn;k tkrk gS fd ftyk eap] t;iqj f}rh;] t;iqj dk fookfnr vkns'k fnukad 16-3-2005 vihy la[;k 686@2005 esa ikfjr vkns'k ds vuqlkj la'kksf/kr le>k tk,sA ¼Jherh foeyk lsfB;k½ ¼U;k;kf/kifr lquhy dqekj xxZ½ lnL;k v/;{k @@eukst@@