State Consumer Disputes Redressal Commission
The New India Insurance Co.Ltd. vs Bansi Lal Kanskar on 11 September, 2018
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh f'kf'kj HkaMkjdj] vf/koDrkA mRrjoknh dh vksj ls Jh vks- ih- xqIrk] vf/koDrkA vkns'k fnukad% 11@09@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 varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] egkleqUn ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&12@2016 calhyky dkL;dkj fo:} fn U;w bafM;k ba';ksjsal daiuh] }kjk ofj"B eaMy izca/kd esa ikfjr vkns'k fnukad&13-06-2018 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& // 2 // 1- vukosnd] vkosnd dks ,d ekg dh vof/k ds Hkhrj nq?kZVukxzLr okgu ek:fr bdks dk vekud vk/kkj ij (Non Standard Basis) 2]25]000@&¼nks yk[k iPphl gtkj :Ik;s½ vnk djsxkA 2- vukosnd }kjk mDr fu/kkZfjr vof/k esa vkns'k dk ikyu u djus ij vkosnd ,okMZ jkf'k ij ifjokn izLrqfr fnukad&09-02-2016 ls vnk;xh fnukad rd 09 izfr'kr okf"kZd dh nj ls C;kt izkIr djus dk vf/kdkjh gksxkA 3- vukosnd ,d ekg dh vof/k ds Hkhrj vkosnd dks ekufld {kfriwfrZ ds :Ik esa jkf'k&10]000@&¼nl gtkj :Ik;s½ vnk djsxkA 4- vukosnd] vkosnd dks okn O;; ds :Ik esa i`Fkd ls 2]500@&¼nks gtkj ikap lkS :Ik;s½ Hkh vnk djsxkA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh ,d ek:fr bZdks dkj dk iathd`r Lokeh gS ftldk iath;u dzekad&lh-th- 06 thlh@3193 gS ftldk chek vukosnd ds }kjk fd;k x;k Fkk ftldk ikWfylh uacj&31260031140302237405 gS tks fnukad&26-12-2014 ls 31-12-2015 rd dh vof/k ds fy, izHkkoh FkkA mDr okgu dk vkadyu 3]36]978@&¼rhu yk[k NRrhl gtkj ukS lkS vBgRrj :Ik;s½ fd;k tkdj mlds vuqlkj vkuqikfrd izhfe;e vukosnd }kjk izkIr fd;k x;k FkkA mDr okgu chek vof/k ds nkSjku fnukad&12-04-2015 dks xzke QqlsjkMhg] Fkkuk rqexkao esa nq?kZVukxzLr gks x;k ftlls mDr okgu iw.kZr% // 3 // {kfrxzLr gks x;k ftlds laca/k esa ifjoknh }kjk vukosnd ds le{k nkok izLrqr fd;k x;k ftl ij vukosnd }kjk fnukad&08-09-2015 dks ifjoknh dks i= Hkstdj lwfpr fd;k x;k fd nq?kZVuk ds le; okgu ij vfrfjDr lokjh Fkh tks chek 'krksZa dk mYya?ku gS vkSj ftlds dkj.k chek daiuh {kfr/ku Hkqxrku djus esa vleFkZ gSA vukosnd }kjk fu/kkZfjr izhfe;e fy;s tkus rFkk chek vof/k esa okgu dk nq?kZVuk gksus ds ckn Hkh vukosnd }kjk {kfr/ku dk Hkqxrku ugha fd;k tk jgk gS tks fd vukosnd dh lsok esa deh dks nf'kZr djrk gS vkSj ftlds dkj.k ifjoknh 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 ds }kjk eksVj Oghdy ,DV esa fufgr fu;e ,oa 'krksZa ds rgr chek ikWfylh tkjh dh xbZ FkhA ifjoknh LoPN gkFkksa ls U;k;ky; ds le{k ugha vk;k gSA vukosnd }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh ds }kjk izLrqr izFke lwpuk&i= ,oa vU; nLrkostksa ls ;g Li"V gS fd nq?kZVuk fnukad dks ifjoknh ds okgu esa MªkbZoj ds vfrfjDr 13 O;fDr lokj Fks tks fd chek ikWfylh ds fu;e ,oa 'krksZa dk Li"V mYya?ku gS ,oa eksVj ;ku lafgrk ds rgr tkjh jftLVsª'ku dk Hkh Li"V mYya?ku gS ftlds vk/kkj ij ifjoknh dk nkok fujLr fd;k x;k gSA ifjoknh ds okgu dzekad&lh- th- 06 thlh@3193 ds jftLVsª'ku i= ds vuqlkj okgu dh cSBd {kerk // 4 // 05 gS rFkk chek ikWfylh blh vk/kkj ij tkjh dh xbZ gSA nq?kZVuk fnukad&13-04-2015 dks mDr okgu esa jktsUnz dqekj oS".ko] Hkh"e dqekj uk;d] jk/ks';ke oS".ko] fxj/kkjh yky oS".ko] fo".kq oS".ko] gfjjke nhoku] yksdukFk oS".ko] rkes'oj oS".ko] ftrs'kk oS".ko] d`".kk nkl oS".ko] fparkef.k oS".ko ,oa vU; yksx lokj Fks ftlls Li"V gS fd nq?kZVuk fnukad dks mDr okgu dk pkyu chek ikWfylh ds fu;e ,oa 'krksZa ds mYya?ku esa fd;k tk jgk Fkk ftlds ifj.kke Lo:Ik vukosnd {kfriwfrZ jkf'k ds Hkqxrku gsrq nkf;Rok/khu ugha gSA vukosnd }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vafre leh{kk fjiksVZ fnukad&31-10-2015 dh izekf.kr izfr] vafre izfrosnu dh izekf.kr izfr] izFke lwpuk izfrosnu dh izekf.kr izfr] nsgkyh ukylh dh izekf.kr izfr] vdky ,oa e`R;q dh lwpuk iath dh izekf.kr izfr] lEifRr tIrh i= dh izekf.kr izfr] jftLVsª'ku lfVZfQdsV fMVsYl dh izekf.kr izfr] lfVZfQdsV vkWQ jftLVsª'ku dh izekf.kr izfr] lfVZfQdsV de ikWfylh 'ksM~;wy dh izekf.kr izfr] MªkbZfoax ykbZlsal dh izekf.kr izfr] nkok fujLrh i= fnukad&08-09-2015 dh Nk;kizfr] ifjoknh }kjk vukosnd dks izsf"kr i= fnukad&07-07-2015 dh dkcZu izfr] dUlsaV ysVj VksVy ykWl lsVyesaV fnukad&23-07-2015 dh Nk;kizfr] Li'kZ vkWVkseksckbZYl ¼izk-½ fyfeVsM dh jlhn fnukad&17-12-2013 ,oa 24-12- // 5 // 2014 dh Nk;kizfr rFkk vafcdk baVjizkbZtsl dk pkyu fnukad&29-12- 2014 dh Nk;kizfr izLrqr fd;k gSA 05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k nkok fujLrh i= fnukad&08-09-2015 dh Nk;kizfr ¼,usD'pj&1½ rFkk vUos"k.k fjiksVZ fnukad&07-08-2015 dh Nk;kizfr ¼,usD'j&2½ izLrqr fd;k gSA 06- ftyk Qksje us mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ ifjoknh ds ifjokn dks vkaf'kd :i ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA 07- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh f'kf'kj HkaMkjdj dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA okgu esa cSBus dh {kerk 05 gS tcfd ?kVuk ds le; okgu esa 13 O;fDr lokj FksA bl izdkj 08 O;fDr vf/kd cSBk;k x;k Fkk tks fd /kkjk&197 eksVj ;ku vf/kfu;e ,oa chek 'krksZa dk mYya?ku gS] ijUrq ftyk Qksje us bu lc rF;ksa dks /;ku fn, fcuk gh vkyksP; vkns'k ikfjr fd;k gS rFkk ifjoknh dh =qfV gksrs gq, Hkh 09 izfr'kr okf"kZd C;kt fnyk;k gS vkSj 10]000@&¼nl gtkj :Ik;s½ ekufld {kfriwfrZ ds fy, fnyk;k gS tks fd =qfViw.kZ gSA vr% vukosnd dh vihy Lohdkj // 6 // fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr djrs gq, ifjokn fujLr fd;k tkosA 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vks- ih- xqIrk us ftyk Qksje ds vkns'k dk leFkZu djrs gq, vihy fujLr fd;s tkus dk fuosnu fd;k gSA 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 10- ;g Lohd`r gS fd ifjoknh ek:fr bZdks dkj dzekad&lh-th- 06 thlh@3193 dk iathd`r Lokeh gS vkSj mDr okgu vukosnd ds ikl fnukad&26-12-2014 ls 25-12-2015 rd dh vof/k ds fy, chfer Fkk vkSj okgu dk chfer ewY; 3]36]978@&¼rhu yk[k NRrhl gtkj ukS lkS vBgRrj :Ik;s½ chek ikWfylh esa vafdr gSA 11- ifjoknh ds vuqlkj mDr okgu **fnukad&12-04-2015 dks xzke QqlsjkMhg] Fkkuk rqexkao esa nq?kZVukxzLr gks x;k Fkk vkSj okgu {kfrxzLr gks x;k Fkk ftlds laca/k esa ifjoknh us vukosnd ds le{k nkok izLrqr fd;k FkkA** vukosnd us vius fyf[kr dFku dh dafMdk&3 esa bl rF; dks Lohdkj fd;k gS vkSj bl izdkj ;g Li"V gS fd okgu nq?kZVukxzLr gqvk Fkk ftldh lwpuk ifjoknh us vukosnd dks fn;k FkkA // 7 // 12- vukosnd us eq[; vk/kkj ;g fy;k gS fd okgu esa cSBus dh {kerk 05 gS tcfd MªkbZoj ds vfrfjDr 13 O;fDr lokj FksA bl izdkj fu/kkZfjr {kerk ls 08 O;fDr vf/kd okgu esa lokj Fks tks fd chek 'krksZa dk mYya?ku gSA 13- geus ifjoknh }kjk izLrqr lfVZfQdsV vkWQ jftLVªs'ku ,oa chek ikWfylh dks ns[kkA lfVZfQdsV vkWQ jftLVsª'ku esa okgu esa cSBus dh {kerk 05 crk;k x;k gS rFkk chek ikWfylh esa Hkh cSBus dh {kerk 05 crk;k x;k gSA vukosnd us vius fyf[kr dFku esa ;g crk;k gS fd okgu esa 13 O;fDr cSBs gq, FksA 14- vukosnd dh vksj ls eks- bczkfge dks vUos"kd fu;qDr fd;k x;k Fkk vkSj vUos"kd us viuh fjiksVZ esa ;g crk;k gS fd nq?kZVuk ds le; okgu esa 13 O;fDr cSBs gq, Fks vkSj lHkh dks pksaVsa vkbZ Fkh] tcfd mDr okgu esa cSBus dh {kerk 05 gSA e`rd yksds'k dalkjh ds vfrfjDr dqy 13 O;fDr lokj FksA ftyk Qksje us Hkh vius vkyksP; vkns'k dh dafMdk&8 esa bl rF; dks mYysf[kr fd;k gS vkSj veysUnq lkgw fo:} vksfj;saVy ba';ksjsal daiuh fyfeVsM II (2010) CPJ 9 (SC) dk voyacu ysrs gq, vekud vk/kkj ij (Non Standard Basis) {kfriwfrZ dh jkf'k fnyk;k gSA 15- vUos"k.k fjiksVZ dks ns[kk x;kA vUos"k.k fjiksVZ ls ;g lkfcr ugha gksrk gS fd nq?kZVuk vksOgj yksfMax ds dkj.k gqvk gSA nsgkrh ukfylh dk dk ifj'khyu fd;k x;kA nsgkyh ukfylh esa ;g mYysf[kr gS fd pkyd // 8 // us okgu dks rst xfr ,oa ykijokgh ls pyk;k FkkA bl izdkj pkyd }kjk rst xfr ls okgu pykus ds dkj.k nq?kZVuk gqvk gS] ijUrq nq?kZVuk dk dkj.k vksOgj yksfMax ugha gSA 16- National Insurance Co. Ltd. Vs. Sanjeev Kumar I (2018) CPJ 169 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Although surveyor report is not final word when it comes to assessment of claim, departure from same should be accompanied by valid reasons- Fora below failed to provide any cogent reason for making departure from surveyor report and merely directed petitioner to settle claim on basis of bills furnished by respondent, which is not jusfitied- As per surveyor's report, net assessed loss is Rs. 95,445, whereas value of total bills amounts to Rs. 1,78,000- As per surveyor's report, there were some 20-22 persons sitting in loaded body of insured goods vehicle at time of accident- This amounts to violation of policy condition- Claim can be settled of non-standard basis- Petitioner is directed to settle claim on basis of 75% of admissible claim i.e. 75 % of Rs. 95,445 i.e. Rs. 71,584 along with interest @ 8% p.a."
17- DARCL Logistics Ltd. s. ICICI Lombard GIC Ltd. & Others, II (2016) CPJ 620 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Sanctioned carrying capacity of vehicle was 49 MT whereas load was 242 MT at time of accident - Such abnormal overloading will be cause of an accident and violates provisions of insurance policy - It will be encouraging those, who believe in overloading vehicle and care not even a fig for serious accidents - State Commission had taken correct view and had not granted any amount."
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18. Lakhmi Chand Vs. Reliance General Insurance , II (2016) CPJ 3 (SC), esa 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."
19. Ganjpal Patre Vs. Oriental Insurance Company Limited, IV (2016) CPJ 231 (NC), esa 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."
20. Oriental Insurance Company vs. Girbar Sinh Nandwanshi & Anr. 2015 (3) CPR 299 (NC), esa 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."
21. Oriental Insurance Company Limited & Anr. vs. Rajak 2015 (3) CPR 375 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 10 // "In case of overloading of vehicle beyond licence carrying capacity claim is admissible upto 75% on non-standard basis." 22- bl vk;ksx ds izFke vihy dzekad&,Q,@2017@544 f'koiwtu dq'kokgk fo:} fn vksfj;saVy ba';ksjsal daiuh fyfeVsM }kjk 'kk[kk dk;kZy;] vkns'k fnukad&08-11-2017 esa Hkh ;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** 23- bl izdj.k esa okgu {kfrxzLr gqvk Fkk] ;g lkfcr gS rFkk vukosnd }kjk losZ;j fjiksVZ izLrqr ugha fd;k x;k gS vkSj okgu dk chfer ewY;&3]36]978@&¼rhu yk[k NRrhl gtkj ukS lkS vBgRrj :Ik;s½ gS vkSj ifjoknh mldk vekud vk/kkj ij (Non Standard Basis) {kfriwfrZ jkf'k ikus dk vf/kdkjh gS vkSj ftyk Qksje us 2]25]000@&¼nks yk[k iPphl gtkj :Ik;s½ {kfriwfrZ ds :Ik esa fnyk;k gS tks fd mfpr gSA 24- tgka rd ftyk Qksje us mDr jkf'k ij 09 izfr'kr okf"kZd C;kt vkSj 10]000@&¼nl gtkj :Ik;s½ ekufld {kfriwfrZ ds fy, fnyk;k gS tks fd =qfViw.kZ gSA pwafd ifjoknh Lo;a us fu/kkZfjr {kerk ls vf/kd ;kf=;ksa dks cSBkdj okgu dks pyok;k Fkk vkSj mlds pkyd }kjk rst xfr ,oa ykijokghiwoZd okgu pyk;k FkkA bu lc ifjfLFkfr;ksa dks ns[krs gq, dqN lhek rd ifjoknh Lo;a mRrjnk;h gS vkSj ,slh fLFkfr esa // 11 // ifjoknh dks ekufld {kfriwfrZ ds :Ik esa jkf'k fnyk;k tkuk vkSj C;kt fnyk;k tkuk mfpr ugha gS] ijUrq okn O;; dk tks 2]500@&¼nks gtkj ikap lkS :Ik;s½ fnyk;k gS og iw.kZr% mfpr gSA 25- vr% vihykFkhZ@vukosnd dh vksj ls izLrqr vihy vkaf'kd :Ik ls Lohdkj fd;k tkrk gSA ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&12 dh mi dafMdk&1 ,oa 4 esa tks vkns'k ikfjr fd;k gS mldh iqf"V djrs gq, mls ;Fkkor~ j[kk tkrk gS vkSj vkns'k dh dafMdk&12 dh mi dafMdk&2 ,oa 3 ftlds }kjk C;kt ,oa ekufld {kfriwfrZ fnyk;k x;k gS] mls vikLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ ¼Jherh :fp xks;y½ v/;{k lnL; lnL; lnL;k 11@09@2018 11@09@2018 11@09@2018 11@09@2018