State Consumer Disputes Redressal Commission
United India Insurance Co.Ltd. vs Dileep Kumar Verma & Anr. on 31 July, 2015
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ih- ds- ikWy] vf/koDrkA mRrjoknhx.k vuqifLFkrA vkns'k fnukad% 31@07@2015 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd dz-1 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] // 2 // ljxqtk&vfEcdkiqj ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&2014@53 fnyhi dqekj oekZ fo:) 'kk[kk izca/kd] ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM ,oa ,d vU; esa ikfjr vkns'k fnukad&04-12-2014 ftlds }kjk mRrjoknh dz-1@ ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- vukosnd dzekad&1] vkosnd dks 45 ¼iSarkyhl½ fnuksa ds Hkhrj 4]59]134@&¼pkj yk[k mulB gtkj ,d lkS pkSarhl :Ik;s½ rFkk ml ij vkosnu fnukad&19-05-2014 ls iw.kZ Hkqxrku frfFk rd 06 ¼N%½ izfr'kr okf"kZd dh nj ls C;kt lfgr Hkqxrku djsA Hkqxrku fd;s tkus ij foRr iznkrk Jhjke QkbZusal daiuh fyfeVsM vfEcdkiqj _.k vuqca/k ds vuqlkj vc rd fd cpr jkf'k C;kt lfgr izkIr djsxk] 'ks"k jkf'k vkosnd dks ,dkm.V is;h psd ds ek/;e ls nh tkosxhA 2- vukosnd dzekad&1 Lo;a dk rFkk vkosnd dk Hkh okn O;; 2]000@&¼nks gtkj :Ik;s½ ogu djsxk ftlesa vf/koDrk 'kqYd Hkh 'kkfey gSA 3- vukosnd dzekad&2 dks izfrdj lank; ds nkf;Ro ls mUeqDr fd;k tkrk gS] vukosnd dzekad&2 viuk O;; Lo;a ogu djsxkA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh dz-1@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd mRrjoknh dz-1@ifjoknh }kjk mRrjoknh dz-2@ vukosnd dz-2 ls okgu cksysjks fidvi dzekad&;wih-64,p-@9453 dks fnukad&07-08-2014 dks Qk;usal djk;k x;k gS vkSj mDr okgu dk chek vihykFkhZ@vukosnd dz-1 ls fnukad&07-08-2012 ls fnukad&06-08-2013 // 3 // rd dh vof/k ds fy, djk;k x;k gS vkSj ftlds laca/k esa mRrjoknh dz- 1@ifjoknh }kjk vihykFkhZ@vukosnd dz-1 dks 22]158@&¼ckbZl gtkj ,d lkS vaBkou :Ik;s½ izhfe;e jkf'k dk Hkqxrku fd;k gSA mRrjoknh dz- 1@ifjoknh dk mDr okgu fnukad&18 ekpZ 2013 dks pkyd cuYyh vk- j'khn [kku y[kuÅ ls lkeku mrkjdj okil lksuHknz tk jgk Fkk rc yxHkx 4-00 cts xzke leks/khiqj ds ikl gkbZos ij foijhr fn'kk ls eky okgd Vªd dzekad&ih-ch- 02 ,-;w-@9517 ds pkyd us mRrjoknh dz-1@ ifjoknh ds mDr okgu dks VDdj ekj fn;k ftlls mRrjoknh dz-1@ ifjoknh dk okgu nq?kZVukxzLr gks x;k vkSj mDr nq?kZVuk esa pkyd cuYyh dh e`R;q gks xbZ rFkk okgu Hkh iwjh rjg ls {kfrxzLr gks x;kA e`rd cuYyh dh iRuh [kq'kcwfu'kk }kjk U;k;ky; Jheku~ deZdkj izfrdj vk;qDr] fetkZiqj {ks= fiijh ftyk lksuHknz ¼m-iz-½ ds le{k deZpkjh {kfriwfrZ vf/kfu;e] 1923] ds rgr izdj.k lafLFkr fd;k x;k gS tks yafcr gSA mDr nq?kZVuk ds laca/k esa [kyklh ykyth fo'odekZ }kjk iqfyl Fkkuk mrjkao ftyk bykgkckn ¼m-iz-½ esa izFke lwpuk fjiksVZ ntZ djk;k x;k rFkk mlh fnukad dks mRrjoknh dz-1@ifjoknh }kjk vihykFkhZ@vukosnd dz-1 chek daiuh dks fyf[kr esa lwpuk@nkok izi= nh xbZ ftlds Ik'pkr~ nq?kZVuk LFky ,oa okgu dk losZ fnukad&20 ekpZ 2013 dks losZ;j vt; dqekj flag }kjk fd;k x;k gSA mRrjoknh dz-1@ ifjoknh }kjk nq?kZVukxzLr okgu dks iqfyl Fkkuk mrjkao ls lqiqnZukek esa ysdj vfEcdkiqj yk;k x;k vkSj vius ?kj ds ikl [kM+h dj fn;k x;k gSA mDr nq?kZVukxzLr okgu dk losZ iqu% ekg vizSy 2013 esa losZ;j c`ts'k JhokLro }kjk fd;k x;k gSA mRrjoknh dz-1@ifjoknh }kjk mDr nq?kZVukxzLr okgu dk jftLVªs'ku lfVfQdsV] fQVusl lfVZfQdsV] chek ikWfylh ,oa MªkbZfOgax ykbZlsal dh Nk;kizfr vihykFkhZ@vukosnd dz-1 ds 'kk[kk dk;kZy; ds 'kk[kk izca/kd ds le{k izLrqr dj fn;k x;k gSA mRrjoknh dz-1@ifjoknh dks mDr nq?kZVukxzLr okgu dk iw.kZ :Ik ls ejEer djkus esa 8]46]303-80 ¼vkB yk[k fNa;kyhl gtkj rhu lkS rhu // 4 // :Ik;s vLlh iSls½ O;; gksxk ftlds laca/k esa LVkj vkWVks eksckbZy] ,e- th- jksM] vfEcdkiqj] ftyk ljxqtk }kjk fnukad&13 vizSy 2013 dks dksVs'ku tkjh fd;k x;k gSA mRrjoknh dz-1@ifjoknh }kjk pwafd mDr okgu vius fj'rsnkjksa ls dtZ ysdj mRrjoknh dz-2@vukosnd dz-2 ds i{k esa MkÅu isesaV dk Hkqxrku fd;k gS vkSj mDr okgu dk lapkyu ugha gks ikus ds dkj.k Qk;usal daiuh ds i{k esa fd'rksa dk Hkqxrku ugha fd;k tk jgk gSA vihykFkhZ@vukosnd dz-1 dk ;g fof/kd nkf;Ro Fkk fd mlds }kjk vfoyac Dyse fMlkbZM djds mRrjoknh dz-1@ifjoknh ;k Qk;usal daiuh ds i{k esa Dyse dk Hkqxrku dj fn;k tkrk fdUrq vihykFkhZ@vukosnd dz-1 }kjk fcuk fdlh dkj.k ds Dyse dk fujkdj.k djus esa foyac fd;k tk jgk gSA mRrjoknh dz-1@ifjoknh }kjk vius vf/koDrk ds ek/;e ls Dyse fMlkbZM djus ,oa {kfiwfrZ jkf'k dk Hkqxrku fd;s tkus gsrq oS/kkfud uksfVl fnukad&24-02-2014 dks izsf"kr fd;k Fkk ftldk mRrj vihykFkhZ@ vukosnd dz-1 }kjk vius vf/koDrk Jh iznhi dqekj iky ds ek/;e ls izsf"kr dj MªkbZfoax ykbZlsal ds laca/k esa lansg O;Dr fd;k rc mRrjoknh dz-1@ifjoknh }kjk MªkbZfoax ykbZlsal dk ikfVZdqyj izkIr dj fnukad&23- 04-2014 dks vihykFkhZ@vukosnd dz-1 ,oa muds vf/koDrk dks izsf"kr dj fn;k gS fdUrq orZeku le; rd vihykFkhZ@vukosnd dz-1 }kjk dksbZ dk;Zokgh ugha dh xbZ gS ftlds dkj.k mRrjoknh dz-1@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 dz-1 }kjk fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd gYdk eky okgd okgu fidvi baftu dzekad&1,Q-27937] psfpl dzekad&lh-1,Q-44841 chek/ku&4]91]484@& ¼pkj yk[k badkucs gtkj pkj lkS pkSjklh :Ik;s½ gsrq chek ikWfylh ds 'krksZa ds rgr mRrjoknh dz-1@ifjoknh ds uke ls vihykFkhZ@vukosnd dz-1 ds ikl fnukad&07-08-2012 ls fnukad&06-08-2013 rd dh vof/k ds // 5 // fy, chfer gSA okgu ds {kfr dh lwpuk izkIr gksrs gh okgu dks gksus okyh {kfr dk vkadyu losZ;j Jh c`ts'k dqekj ls djk;k x;k gS ftUgksaus okgu dh {kfr ds vk/kkj ij VksVy ykWl ds :Ik esa {kfr dk vkadyu fd;k gS ftlds vuqlkj okgu dh {kfr 4]91]484@&¼pkj yk[k badkucs gtkj pkj lkS pkSjklh :Ik;s½ esa ls ikWfylh ,Dlsl dk 500@&¼ikap lkS :Ik;s½] feflax cSVªh dk 4]850@&¼pkj gtkj vkB lkS ipkl :Ik;s½ de dj 4]86]134@&¼pkj yk[k fN;klh gtkj ,d lkS pkSarhl :Ik;s½ dh {kfr dk vkadyu fd;k gS rFkk {kfrxzLr okgu dh dher&1]40]000@&¼,d yk[k pkyhl gtkj :Ik;s½ fd;k gSA pwWafd {kfrxzLr okgu dk lkYost okgu Lokeh }kjk vius ikl j[kk x;k gSA vfirq ysl czsd osY;w {kfr jde esa de dj losZ;j }kjk {kfr dk vkadyu VksVy ykWl ds vk/kkj ij 3]46]134@&¼rhu yk[k fNa;kyhl gtkj ,d lkS pkSarhl :Ik;s½ fd;k x;k gS vkSj mijksDr jde ij chek ikWfylh ds 'krksZa ds rgr vafre fu/kkZj.k djrs gq, vU; feflax ikVZ ds QyLo:Ik okLrfod {kfr 3]37]587@&¼rhu yk[k lSarhl gtkj ikap lkS lrklh :Ik;s½ fu/kkZfjr fd;k x;k gS vkSj mijksDrkuqlkj chfer okgu dh {kfr dk Hkqxrku djus dk nkf;Ro vukosndx.k dk gS fdUrq mRrjoknh dz-1@ifjoknh }kjk nkos ds fujkdj.k fd;s tkus esa vl;ksx ds dkj.k nkok dk vafre fuiVkjk ugha gks ldk gSA mRrjoknh dz-1@ifjoknh }kjk vlg;ksx ds dkj.k chek ikWfylh dk ?kksj mYya?ku gqvk gS ftlds dkj.k mRrjoknh dz-1@ifjoknh chek daiuh ls fu/kkZfjr jde Hkh izkIr djus dk vf/kdkjh ugha gSA okgu dh {kfr dk vkadyu losZ;j }kjk fd;k x;k gS vkSj iqu% losZ dk vfHkopu vkSfpR;ghu gSA mRrjoknh dz-1@ifjoknh }kjk tks vuqKfIr i= miyC/k djk;k x;k Fkk mldk lR;kiu djk;s tkus ij lR;kiu fjiksVZ ,oa vuqKfIr i= dh frfFk;ksa esa varj gS rFkk pkyd ds uke esa varj gSA Dyse QkeZ ,oa vU; nLrkostksa ds fu"iknu ds gLrk{kjksa esa varj gS ftldk Li"Vhdj.k mRrjoknh dz-1@ifjoknh }kjk ugha fn;k tk jgk gS ftlds dkj.k nkos ds fujkdj.k esa foyac gks jgk gS ftl gsrq vihykFkhZ@ // 6 // vukosnd dz-1 ftEesnkj ugha gSA mRrjoknh dz-1@ifjoknh }kjk fdlh Hkh izdkj dh vkSipkfjdrk dh iwfrZ ugha dh xbZ gS vkSj Li"Vhdj.k ,oa nLrkost ds vHkko esa izLrqr nkok vifjiDo gSA vr% mRrjoknh dz-1@ ifjoknh dk ifjokn fujLr fd;k tkosA 04- mRrjoknh dz-2@vukosnd dz-2 }kjk fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd mRrjoknh dz-1@ifjoknh tks fd okgu dk vodzsrk gS okgu dk fof/kor~ Lokeh mRrjoknh dz-2@vukosnd dz-2 gS ftlds dkj.k okgu ds chek nkok dh jkf'k mRrjoknh dz-2@ vukosnd dz-2 dks feyuh pkfg, rFkk _.k dh vnk;xh ds ckn cph gqbZ jkf'k gh mRrjoknh dz-1@ifjoknh ikus dk ik= gSA mRrjoknh dz-1@ ifjoknh ds _.k jkf'k ij yxkrkj C;kt dh c<+ksrjh gks jgh gSA mRrjoknh dz-1@ifjoknh }kjk izLrqr nkok Lohdkj dj chek nkok dh jkf'k dk Hkqxrku mRrjoknh dz-2@vukosnd dz-2 ds i{k esa djk;s tkus dk fuosnu fd;k gSA 05- mRrjoknh dz-1@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vihykFkhZ@vukosnd dz-1 ds vf/koDrk }kjk mRrjoknh dz-1@ifjoknh ds vf/koDrk dks Hkstk x;k uksfVl dk tokc fnukad&17- 05-2014] lfVZfQdsV vkWQ jftLVªs'ku] chek ikWfylh] losZ;j vt; dqekj flag dh fjiksVZ fnukad&20-03-2013] okgu nq?kZVuk lwpuk@iqu% fujh{k.k losZ gsrq lwpuk fnukad&18-03-2013] lfoZl dksVs'ku fnukad&13-04-2013] MªkbZfoax ykbZlsal dh QksVks dkih rFkk ykbZlsal ikfVZdqyj] oS/kkfud uksfVl fnukad&24-02-2014] iksLVy jlhn fnukad&24-02-2014] vf/koDrk uksfVl dk tokc fnukad&21-03-2014] oS/kkfud uksfVl fnukad&24-02-2014 dk tokc ,oa iksLVy jlhn fnukad&26-04-2014 dk vly rFkk U;k;ky; deZpkjh izfrdj vk;qDr ,oa mi Jek;qDr] fiijh lksuHknz dk // 7 // uksfVl@lEeu fnukad&07-09-2013] QkeZ th] ba';ksjsal daiuh dk i= rFkk izFke lwpuk fjiksVZ dh QksVks dkih izLrqr fd;k gSA 06- vihykFkhZ@vukosnd dz-z 1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh dh lR;kfir izfr ,oa losZ fjiksVZ fnukad&09-06-2013 rFkk eksVj LikWV losZ fjiksVZ fnukad&22-03-2013 dh QksVks dkih izLrqr fd;k gSA 07- ftyk Qksje us mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{; ds ifj'khyu Ik'pkr~ mRrjoknh dz-1@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gSA 08- vihykFkhZ@vukosnd dz-1 dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ih- ds- ikWy dk ;g rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% =qfViw.kZ gSA ftyk Qksje }kjk losZ;j fjiksVZ dks /;ku ugha fn;k x;k gSA okgu dk chfer ewY; 4]91]484@&¼pkj yk[k badkucs gtkj pkj lkS pkSjklh :Ik;s½ gS rFkk ftyk Qksje us =qfViw.kZ <ax ls 1]40]000@& ¼,d yk[k pkyhl gtkj :Ik;s½ ds LFkku ij dsoy 30]000@&¼rhl gtkj :Ik;s½ ?kVk;k gS tks fd iw.kZr% =qfViw.kZ gSA ehflax ikVZ ,oa lkYost vkfn dks lek;ksftr djus ds Ik'pkr~ vf/kd ls vf/kd 3]13]000@&¼rhu yk[k rsjg gtkj :Ik;s½ gh {kfriwfrZ dh jkf'k izkIr djus dk vf/kdkjh mRrjoknh dz-1@ifjoknh gS ijUrq ftyk Qksje us 4]59]134@&¼pkj yk[k mulB gtkj ,d lkS pkSarhl :Ik;s½ dh {kfriwfrZ fn;s tkus dk vkns'k fn;k gS og iw.kZr% =qfViw.kZ gSA vr% vihykFkhZ@ vukosnd dz-1 dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA // 8 // 09- mRrjoknh dz-1@ifjoknh ,oa mRrjoknh dz-2@vukosnd dz-2 dh vksj ls bl vk;ksx ds le{k dksbZ mifLFkr ugha gq, gSaA 10- geus vihykFkhZ@vukosnd dz-1 ds fo)ku vf/koDrk dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k dk Hkh ifj'khyu fd;kA 11- mHk;i{k dh vksj ls chek ikWfylh izLrqr fd;k x;k gSA chek ikWfylh ds vuqlkj okgu dk chfer ewY; 4]91]484@&¼pkj yk[k badkucs gtkj pkj lkS pkSjklh :Ik;s½ gSA ;g Lohd`r gS fd mDr okgu fnukad&07-08-2012 ls ysdj fnukad&06-08-2013 rd dh vof/k ds fy, vihykFkhZ@vukosnd dzz-1 ds ikl chfer FkkA vihykFkhZ@vukosnd dz-1 dh vksj ls c`ts'k dqekj dk vafre losZ fjiksVZ ,oa lkFk esa vt; dqekj flag dk LikWV losZ fjiksVZ izLrqr fd;k x;k gSA c`ts'k dqekj us vius losZ fjiksVZ esa ;g mYysf[kr fd;k gS fd okgu iwjh rjg ls {kfrxzLr gks pqdk Fkk vkSj nkos dk fujkdj.k VksVy ykWl@usV vkWQ lkYost ykWl ds vk/kkj ij fd;k tkuk mfpr gksxk rFkk losZ;j us usV ,ekÅ.V vlsLM QkWj 5]31]501-28 ¼ikap yk[k bdrhl gtkj ikap lkS ,d :Ik;s vV~BkbZl iSls½ crk;k gS ijUrq ysl ikWfylh ,Dlsl 4]91]484@&¼pkj yk[k badkucs gtkj pkj lkS pkSjklh :Ik;s½ Fkk ftlesa ls ysl ikWfylh ,Dlsl vkSj ehflax cSVjh dks ?kVkus ds ckn 4]86]134@&¼pkj yk[k fN;klh gtkj ,d lkS pkSarhl :Ik;s½ fu/kkZfjr fd;k gS vkSj mlds Ik'pkr~ mlesa lkYost dk 1]40]000@&¼,d yk[k pkyhl gtkj :Ik;s½ ?kVkus ds ckn 3]46]134@&¼rhu yk[k fNa;kyhl gtkj ,d lkS pkSarhl :Ik;s½ {kfr dk fu/kkZj.k fd;k gSA 12- tgka rd losZ;j fjiksVZ dk laca/k gS og ,d egRoiw.kZ lk{; gksrk gS rFkk losZ;j ,d fu"i{k O;fDr gksrk gS vkSj ,slh fLFkfr esa mldh fjiksVZ ij fo'okl fd;k tk ldrk gSA // 9 // 13- D.N. Badoni versus Oriental Insurance Co. Ltd. I (2012) CPJ 272 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd %& "11. We see no reason to disbelieve the report of the Surveyor particularly since the petitioner has not been able to produce any credible evidence to contradict the same. The contention of the authorized agent of the petitioner that the Surveyor had admitted that the loss suffered was Rs. 93,340 is not correct. In fact, in his report Surveyor has just quoted the assessment and the datails of the repairs given by the petitioner. In the next colum of his report, he has listed out the approximate net amount of the loss as Rs. 3,665.63. The District Forum erred in not taking this important evidence into consideration and ralied only on the petitioner's version of the loss suffered based on some bills produced by him which have not been proved. It is well settled law that a Surveyor's report has significant evidentiary velue unless it is proved otherwise which petitioner has failed to do so the instant case. The State Commission a part from being a Court of appeal in also a Court of fact and has correctly concluded that the actual loss suffered to the vehicle as reported by the Surveyor was Rs. 3,715. To this amount the Surveyor has added another Rs. 4,000 being the actual amount paid for the toeing charges and by not deducting Rs. 1,500 as excess clause, which is reasonable. We, therefore, agree with the well reasoned order of the state Commission that the petitioner is entitled to get Rs. 7,500 from the respondent as insurance and there is no other compensation warranted in the instant case."
14- Dipali Das versus United India Insurance Co. Ltd. & Anr. IV (2013) CPJ 233 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd %&
7. In D.N. Badoni versus Oriental Insurance Co. Ltd. I (2012) CPJ 272 (NC), it was observed that it is well settled that a // 10 // Surveyor's report has significant evidentiary value, unless it is proved otherwise, which the petitioner has failed to do so in the instant case.
8. The Hon'ble Apex Court in United India Insurance Co. Ltd. V. Roshanlal Oil Mills & Ors. (2002) 10 SCC 19, was pleased to hold:
"The appellant had appointd joint surveyors in terms of Section 64-UM(2) of the insurance Act, 1938. Their report has been placed on the record in which a detailed account of the factors on the basis of which the joint surveyors had come to the conclusion that there was no loss or damage caused on account of fire, was given and it was on this basis that the claim was not found entertainable. This is an important document which was placed before the Commission but the Commission, curiously, has not considered the report. Since the claim of the respondent was repudiated by the appellant on the basis of the joint survey, the Commission was not justified in awarding the insurance amount to the respondent without adverting itself to the contents of the joint survey report specially the factors enumerated therein. In our opinion, non-consideration of this important document has resulted in serious miscarriage of justice and vitiates the judgment passed by the Commission. The case has, therefore, to be sent back to the Commission for a fresh hearing."
15. Ashu Textiles v. New India Assurance Company & Anr., III (2009) CPJ 272 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd %& "the Surveyor's report has to be given more weightage than the report of Fire Brigade and compensation to be assessed on basis of detailed survey report."
// 11 //
16. Khimjibhai & Sons v. New India Assurance Co. Ltd., IV (2011) CPJ 458 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd %& "It is to be noted that it is in accordance with the requirement of law that a surveyor is required to be appointed by the Insurance Company and when such a surveyor who is licensed professional to assess such loss gives a report with reasons to support the same, such a report can be discredited only on the basis of specific grounds which are required to be recorded in the order."
17. Ankur Surana v. United India Insurance Co. Ltd., I (2013) CPJ 440 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "it is well established by now that the report of the surveyor is an important document and the same should not be rejected by the Fora below unless cogent reasons are recorded for doing so. The State Commission has stated that it did not see any legal ground before the District Forum to reject the report of the Surveyor. The report of the surveyor should have been rebutted on behalf of the complainant/petitioner since the respondents/OPs had filed the surveyor's report as their evidence."
18- Garg Acrylics Ltd., Through Sh. Anish Bansal G.M. (G.M.) Authorised Representative vs. United India Insurance Co. Ltd., 2015 (1) CPR 273 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "11.................. This is settled Law that the report of the surveyor is to be given much more weightage than any other piece of evidence. See the Law laid down in United India Insurance Co. Ltd. & Others Versus Roshan Lal Oil Mills Ltd. & Ors. (2000) 10 Supreme Court Cases 19 // 12 // & in D.N. Badoni Vs. Oriental Insurance Co. Ltd. I (2012) C.P.J. 272 (NC)".
19. The Oriental Insurance Co. Ltd., Through its Regional Manager vs. Ishwar Singh, 2015 (1) CPR 157 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "17. Counsel for the petitioner has also drawn our attention to the Apex Court Judgment in the case Sri Venkateswara Syndicate vs. Oriental Insurance Company Ltd., and Another, (2009) 8 Supreme Court Cases 507 wherein the Apex Court has held as under :-
"There is no disputing the fact that the surveyor/surveyors are appointed by the insurance company under the provisions of the Insurance Act and their reports are to be given due importance and one should have sufficient grounds not to agree with the assessment made by them".
20. Shankarlal Virji Thakkar vs. United India Insurance Co. Ltd. 2015 (1) CPR 821 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "7. The report of the Surveyor appears to be quite reasonable and just. There is no evidence whatsoever to 501 affected bags + other bags which were not counted. Thos bags must have fetched some amount. There is no reason to discard the report of the Surveyor. It is a balanced report. It has considered all the factors. It is well settled that the report of the Surveyor has to be given due weightage in view of the celebrated authorities of the Hon'ble Apex Court in United India Insurance Co. Ltd. & Others Versus Roshan Lal Oil Mills Ltd. & Ors. (2000) 10 Supreme Court Cases 19, para 7, D.N. Badoni Vs. Oriental Insurance Co. Ltd. I (2012) CPJ 272 (NC).
// 13 //
21. New India Assurance Company Ltd. vs. Balaji Emporium, I (2015) CPJ 588 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "9. We are of the considered view that the report made by the Surveyor appears to be correct. It is bolstered by sold and unflappable evidence. He has also considered the income tax reports and entries in the stock registered. The conclusion of the State Commission is vague, evasive and leads us nowhere."
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