State Consumer Disputes Redressal Commission
Radhakishan vs The New India Insurance Company Limited on 15 October, 2014
jkT; miHkksDrk fookn izfrrks"k vk;ksx]cSap uacj 01] jktLFkku]t;iqj vihy la[;k% 502@2013 jk/kkfdku cuke~ nh U;w bf.M;k ba';ksjsal daiuh fyfeVsM le{k%& ekuuh; ihBklhu lnL;&Jh 'kfk dqekj ikjhd ekuuh; lnL;k&Jherh lquhrk jkadk mifLFkr%& vihykaV dh vksj ls Jh fnosk egs'ojh okLrs Jh vkfnR; fe=qdk ]vf/koDrk izR;FkhZ dh vksj ls Jh foTth vxzoky] vf/koDrk fnuakd 15-10-2014 }kjk jkT; vk;ksx]jktLFkku]t;iqj }kjk% ;g vihy vihykaV&ifjoknh us ftyk eap] HkhyokM+k ds ifjokn la[;k 217@2012 fnuakd fu.kZ; 17-04-2013 ds vk/kkj ij isk dh gS] ftlds }kjk ifjoknh dk ifjokn okgu pksjh dk chek Dyse dk [kkfjt dj fn;kA cgl lquh xbZA i=koyh dk voyksdu fd;k x;kA laf{kIr rF; bl izdkj gS fd ifjoknh us nks VsDVj vkj-ts-06&vkj-ch-&0365 o vkj-ts-06&vkj-ch-&0353 [kjhndj pksyke.My Qk;usUl ls Qk;usUl djok;s rFkk nksuksa okguksa dk chek fnuakd 05-09-2011 ls 04-09-2012 rd pksjh ds lacU/k esa Hkh djok;k FkkA 2 fdUrq nksuksa okgu fnuakd 03-01-2012 dks HkhyokM+k] lqHkk"k uxj ls pksjh gks x;sA lqcg Kku gksus ij Fkkuk lqHkk"k uxj]HkhyokM+k esa izFke lwpuk fjiksVZ ntZ djokus x;s fdUrq lwpuk ntZ ugha dh rks fnuakd 04-01-2012 dks iqfyl v/kh{kd]HkhyokM+k dks iathd`r Mkd ls lwpuk nh rRipkr~ U;k;ky; esa ifjokn isk djus ij fnuakd 07 Qjojh 2012 dks izFke lwpuk la[;k 58@2012 ntZ dh xbZA vafre fjiksVZ iqfyl }kjk fn;s tkus ij ifjoknh }kjk fnuakd 13-02-2012 dks Dyse isk fd;k] fdUrq pksjh dh lwpuk foyac ls nsus ] chek daiuh dks foyac ls lwfpr djus ]nksuksa okguksa dk ifjokn dqla;kstu djus o foRr daiuh dks lwpuk ugha nsdj mUgsa i{kdkj ugha cukus rFkk ifjoknh ds HkkbZ }kjk Hkh blh rjg okgu pksjh dk izdj.k ntZ djkus o mDr izdj.k dh vUos"k.k v/khu gksus ds vk/kkj ij chek daiuh dks 45 fnu ckn lwpuk nsus] iqfyl esa izFke lwpuk 35 fnu ckn nsus ds vk/kkj ij chek Dyse [kkfjt dj fn;kA blfy, ifjoknh us izR;sd okgu dk 4]37]000@&:i;s chek/ku ds fy, ifjokn isk fd;kA fo}ku ftyk eap us rF;ksa o lk{; dk foospu dj izFke lwpuk fjiksVZ o chek daiuh dks foyac ls lwpuk ds vk/kkj ij ekuuh; jk"Vh; vk;ksx ds fu.kZ; vihy la[;k 321@2005 fu.kZ; fnuakd 09-12-2009 f=ykspu tkuh cuke~ U;w bf.M;k ,';ksjsal daiuh rFkk vU; U;kf;d n`"Vkarksa ds vk/kkj ij ifjoknh dk ifjokn [kkfjt dj fn;kA 3 fo}ku vf/koDrk vihykaV us cgl djrs gq, dgk fd mUgksaus pksjh dk irk pyrs gh fnuakd 04-01-2012 dks Fkkus esa lwpuk dh] fdUrq mUgksaus lwpuk ntZ ugha dh rks mlh fnu fnuakd 04-01-2012 dks iqfyl v/kh{kd dks lwpuk tfj;s jftLVMZ Mkd Hksth] ftldh ikorh jlhn layXu dhA vr% iqfyl esa lwpuk nsus esa foyac ugha gqvk gSA chek daiuh dks vxys fnu ekSf[kd lwfpr djus ij mUgksaus igys izFke lwpuk fjiksVZ ntZ djokus dks dgkA vr% ,Q-vkbZ-vkj- ntZ djkus ds ckn fnuakd 13-02-2012 dks Dyse isk djuk dgk gSA vr% fdlh rjg ls Hkh foyac ugha fd;k gSA foRr daiuh vko';d i{kdkj ugha gS vkSj u gh mUgsa lwpuk nsuk chek 'krZ gSA vr% mudk dFku gS fd vkbZ-vkj-Mh-,- ds ifji= fnuakd 20-09-2011 ds vk/kkj ij dsoy rdfudh vk/kkj ij lwpuk foyac ls nsus o iqfyl fjiksVZ nsjh ls nsus ds vk/kkj ij Dyse [kkfjt djuk lsok nks"k gSA blds vykok mUgksusa 2008 (11)Supreme Court Cases 259: us'kuy ba';ksjsal daiuh fyfeVsM cuke~ fufru [k.Msyoky] I 2009 CPJ 123 :vkbZ-lh-vkbZ-lh-vkbZ-ba';ksjsal daiuh fyfeVsM cuke~ jk/kk nsoh ] fnYyh jkT; vk;ksx dk fu.kZ; izFke vihy la[;k 2008@1031 fnuakd fu.kZ; 13-01-2009% nh U;w bf.M;k ,';ksjsal daiuh fyfeVsM cuke~ iznhi ukxh ] ftyk eapiwoZ fnYyh ds fnuakd 19-4-2012 o 09-10-2012 ds nks fu.kZ; rFkk ekuuh; NRrhlx<+ jkT; vk;ksx dk fu.kZ; izFke vihy la[;k 12@782 fnuakd 11-12-2013% vksfj;Vay ba';ksjsal daiuh fyfeVsM cuke~ jhrk nsoh isk dj dgk fd pksjh ds ekeyksa esa chek dh 'krsZa lqlaxr ugha gS rFkk dsoy foyac ds vk/kkj ij Dyse [kkfjt ugha djuk pkfg;sA 4 foi{kh dh vksj ls dgk x;k fd vkbZ-vkj-Mh-,- dk ldqZyj fof/k dk LFkku ugha ys ldrk rFkk mlesa ;g dgk x;k gS fd xyr nkos dks NksM+dj lgh ekeyksa esa foyac ds vk/kkj ij Dyse [kkfjt ugha djuk pkfg;s] fdUrq tgak pksjh lafnX/k gks rFkk ifjoknh dk vkpj.k lgh ugha yxs ogak vkbZ-vkj-Mh-,- dk ldqZyj ykxw ugha gksxkA blds vykok mUgksaus ekuuh; jk"Vh; vk;ksx fu.kZ;
2013 (1) CPR 394 (NC), III 2003 CPJ 77 (NC) , III 2012 CPJ 59 (NC), Revision Petition No. 3900/2011 dated 23-03-2012, ekuuh;
jk"Vh; vk;ksx dk fu.kZ; izFke vihy la[;k 321@2005 fu.kZ; fnuakd 09-12-2009 U;w bf.M;k ,';ksjsal daiuh fyfeVsM cuke~ f=ykspu tkuh ] ekuuh; jk"Vh; vk;ksx dk fu.kZ; fjfotu fifV'ku la[;k 1362@2011] ekuuh; mM+hlk jkT; vk;ksx dk fu.kZ; III 2009 CPJ 72, ekuuh; jk"Vh; vk;ksx dk fu.kZ; fjfotu fifV'ku la[;k 4177@2012 fu.kZ; fnuakd uoEcj 2012 rFkk 2014 (2) CPR 660 (NC), 2014 (1)CPR 274 (NC) is'k fd;s gS] ftlesa mijksDr fufru [k.Msyoky ds fu.kZ; dks o vyesUnw 'kkgw ds fu.kZ; dks pksjh ds ekeyks esa chek 'krksZa dh mYy?kauk ds laca/k esa ugha ekus tkus ds lacU/k esa dgk x;k gSA jktLFkku jkT;
vk;ksx dk fu.kZ; vihy la[;k 302@2013 fu.kZ; fnuakd 07-10-2014 isk fd;k gS rFkk dgk fd izFke lwpuk fjiksVZ nsjh ls ntZ djokus o chek daiuh dks foyac ls lwpuk nsus ls Dyse [kkfjt djuk mfpr gS tc rd fd ifjoknh ;qfDr;qDr o laHkkoh Li"Vhdj.k ugha ns nsA geusa rF;ksa ij Nkuchu dh rks ;g izdV gqvk fd Fkkus esa 5 fjiksVZ fy[kokus ds lacU/k esa dsoy ekSf[kd lk{; gS fdUrq mlh fnu ifjoknh us iqfyl v/kh{kd dk;kZy; esa tkus ds ctk; lwpuk VkbZi djokbZ ftls nwljs fnu fnuakd 05-01-2012 dks iathd`r Mkd ls Hkstk x;k] tks fnuakd 10-01-2012 dks iqfyl v/kh{kd dks feykA blls ;g izdV gksrk gS fd iqfyl dks lwpuk nsus dk iz;kl ifjoknh us fd;k FkkA var esa mlus U;k;ky; esa fnuakd 09-01-2012 dks ifjokn isk fd;k gSA vr%;g izdV ugha gksrk fd mldh fu;r iqfyl esa lwpuk nsus dh ugha jgh gksA dsoyek= blfy, fd ifjoknh }kjk mlds HkkbZ ]ljiap gksus ls ;k iqfyl v/kh{kd dks Fkkus esa ekSf[kd lwpuk nsus dh ckr ugha fy[kus ls ;g ugha dgk tk ldrk fd mlus lwpuk nsus esa foyac fd;k gSA iqfyl v/kh{kd ds nrj ugha nsdj Mkd ls Hkstus dks Hkh vuqfpr ugha dgk tk ldrkA vr% izFke lwpuk fjiksVZ ntZ djkus esa foyac gksus dk rF; izdV ugha gksrkA tgak rd chek daiuh dks lwpuk nsus dk izu gS] ifjoknh us ekSf[kd lwpuk nsuk dgk gS tcfd chek dh 'krksZa ds eqrkfcd fyf[kr esa lwpuk nsuk vafdr gSA ifjoknh us fnuakd 13 Qjojh 2012 dks lwpuk nh gS] tks foi{kh us Hkh vius i= esa Lohdkj dh gSA ifjoknh us iznkZ&14 iathd`r Mkd ls uksfVl foi{kh dks fn;k gS] ftldh pj.k la[;k&4 esa vxys fnu pksjh dh lwpuk chek daiuh ds dk;kZy; esa fyf[kr esa nsuk dgk gSA vr% mudh ;g cgl dksbZ vFkZ ugha j[krh fd mUgksaus ekSf[kd lwpuk nh FkhA muds uksfVl ls izdV gksrk gS fd mUgksaus dk;kZy; esa fyf[kr esa lwpuk nh rFkk ml lwpuk dh izfr isk ugha dh gSA vr% ifjoknh }kjk foi{kh dk;kZy; esa nwljs fnu lwpuk nsus dk rF; ifjoknh lkfcr ugha dj ldk gSA mlus 6 vR;f/kd foyac ls fnuakd 13-02-2012 dks Dyse isk fd;k gS] tks foyac ls gSA ,slh fLFkfr esa ;g chek 'krZ la[;k&1 ds vosgyuk gSA ;fn chek daiuh eas fcuk foyac ds lwpuk nh tkrh rks og vUos"kd fu;qDr djds ;g irk yxk ysrh fd pksjh dh fjiksVZ lgh gS ;k ugha] D;ksafd vke rkSj ij iqfyl dsoy ifjoknh ds dFku dks lgh ekudj okgu pksjh gksuk ekurs gq;s eky eqfYte dh rykk djrh gSA osa bl ckr dh tkWap ugha djrh gS fd fjiksVZ lgh nh xbZ gS ;k ughaA bl ekeys esa HkhyokM+k dh ikWk dkWyksuh esa nks u;s VsDVj pksjh gksuk lk/kkj.k ckr ugha Fkh vkSj u gh ;g izdV gksrk gS fd ifjoknh us nks u;s VsDVj fdlfy, [kjhn j[ks FksA vr% chek daiuh dks lansg gksuk mfpr gSA mlds HkkbZ us Hkh okgu pksjh dk Dyse dj j[kk gSA ,slh fLFkfr esa vfoyac lwpuk chek daiuh dks nsus ij mldh lR;rrk dh tkWap gks tkrhA fufru [k.Msyokyk ds ekeys esa ekuuh; mPpre U;k;ky; us ;g dgk gS fd pksjh ds ekeys esa chek dh ;g 'krZ fd okgu esa lokfj;ka fcBk j[kh Fkh ;k MkbZoj ds ikl ml Js.kh dk ykbZlsal ugha Fkk vkfn 'krsZa tks eksVj okgu vf/kfu;e ds rgr gS] og ykxw ugha gksrh gSA mudk ;g rkRi;Z Fkk fd pksjh ds lacU/k esa lwpuk nsus dh 'krZ pksjh ds chek ds lacU/k esa ewyHkwr 'krZ gS] og pksjh ds ekeys esa gh ykxw gksrh gS] vU; {kfr;ksa ds ekeys esa ykxw ugha gksrhA vr% ekuuh; mPpre U;k;ky; dk fu.kZ; lgh rjhds ls ugha i<+k x;k gSA bl lacU/k esa 2014 (2) CPR 660 (NC) txnhk izlkn cuke~ vksfj;aVy ba';ksjsal daiuh fyfeVsM ekuuh; jk"Vh; vk;ksx dk 7 fu.kZ; bl fLFkfr dks Li"V djrk gSA vr% ge fnYyh jkT; vk;ksx] ;k NRrhlx<+ jkT; vk;ksx ;k fnYyh ds fdlh ftyk eap ds fu.kZ; ls vkcn ugha gS vkSj u gh vkbZ-vkj-Mh-,- ds ifji=] ekuuh; mPpre U;k;ky; ;k ekuuh; jk"Vh; vk;ksx ds fu.kZ; ds foijhr mi;ksx esa fy;s tk ldrs gSA mijksDr ifjfLFkfr esa ge vU; fcUnwvksa ds ij viuh jk; izdV ugha djrs gq;s chek daiuh dks foyac ls lwpuk nsus dh 'krZ ds fy[kus ds vk/kkj ij ftyk eap ds fu.kZ; dh iqf"V djrs gS rFkk ;g vihy [kkfjt djrs gSA lnL;k ihBklhu lnL;