State Consumer Disputes Redressal Commission
Balkesh Vishwakarma vs B.M. The Oriental Insurance Co.Ltd. on 21 March, 2017
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dk chek fd;k x;k Fkk A izhfe;e dh jkf'k :-10]500@&¼nl gtkj ikap lkS :i,½ vukosnd chek daiuh }kjk fnukad&27-01-2015 dks chek fd;k x;k Fkk A chek vof/k fnukad& 27-01-2015 ls 26-01-2016 dh vof/k rd fu;r Fkh A chek dk ikWfylh Øekad&191400@31@2015@14418 ntZ dj ikWfylh ck.M tkjh fd;k x;k Fkk A mDr 'krksZa ds rgr ikWfylh yh xbZ Fkh A chek vof/k esa mDr okgu fnukad&03-05-2015 dks nq?kZVukxzLr gks x;k A ifjoknh }kjk chek daiuh ds le{k fnukad&04-05-2015 dks gh nq?kZVuk nkok izLrqr fd;k x;k A nq?kZVukxzLr okgu dks Vkspu dj vafcdkiqj yk;k x;k rFkk vukosnd daiuh ds losZ;j }kjk LikWV losZ fd;k x;k ] ifjoknh ds }kjk LdkVZ daiuh fcykliqj ds bathfu;j dks cqyokdj gSMªk okgu dks // 3 // [kqyok;k x;k ] vukosnd daiuh ds }kjk fcykliqj ls losZ;j cqykdj Lis;j ikVZl dk losZ djk;k x;k A LdkVZ daiuh ds losZ;j }kjk Lis;j ikVZl ,oa lfoZl pktZ gsrq gSMªk okgu dk LVhesV ,oa dksVs'ku ds laca/k esa okgu dh ejEer esa jkf'k :- 9]86]310@& ¼ukS yk[k fN;klh gtkj rhu lkS nl :i,½ [kpZ dk nLrkost iznku fd;k x;k A chek daiuh dks laiw.kZ nLrkost iznku fd;k x;k A chek daiuh dks laiw.kZ nLrkost miyC/k djk;k x;k A chek daiuh }kjk ifjoknh dk chek nkok vkosnu fnukad&12-10-2015 dks fujLr dj fn;k x;k A mDr d`R; vukosnd chek daiuh dh lsok esa fuEurk dks izekf.kr djrk gS A blfy, ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gS A vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkos A 03 ftyk Qksje ds le{k vukosnd dk fyf[kr dFku bl izdkj jgk gS fd gsMªk okgu Øekad&lh-th-&15 ,-bZ-&4461 chek ikWfylh dh 'krksZa ds rgr~ ifjoknh ds uke ls fnukad&27-01-2015 ls 26-01-2016 rd vukosnd ls chfer gS A okgu {kfr dh lwpuk izkIr gksrs gh vukosnd }kjk okgu {kfr dk LikWV ij vkadyu losZ;j nqxZs'k frokjh ls djk;k x;k gS rFkk vafre losZ losZ;j Jh mRd"kZ }kjk fd;k x;k gS A vafre losZ;j }kjk okgu dh okLrfod {kfr :-606701@& ¼N% yk[k N% gtkj lkr lkS ,d :i,½ fd;k gS rFkk nq?kZVuk ds laca/k esa vUos"k.k Jh vuqi esgrk }kjk fd;k x;k gs A chfer okgu esa lhfVax dSisflVh ,d O;fDr vFkkZr pkyd gsrq gS A ijarq nq?kZVuk ds le; chfer okgu dks pkyd vo/ks'k ;kno pkyu dj jgs Fks rFkk [kyklh vfuy jkmr chfer okgu ij lokj Fks A pwafd] okgu // 4 // esa flfVax dSisflVh 1 gS ,oa ml ij 2 O;fDr lokj Fks A ftlls okgu pkyu lo/kkuh iwoZ ugha fd;k tk ldrk Fkk vkSj mijksDr dkj.k ls chfer okgu nq?kZVukxzLr gqbZ ftlesa pkyd dks pksVsa vk;h rFkk [kyklh dh e`R;q gks x;h tks chek ikWfylh dk ?kksj mYya?ku gS vkSj mijksDr dkj.k ls ifjoknh losZ;j }kjk fu/kkZfjr vFkok fdlh Hkh izdkj dh jde vukosnd ls izkIr djus ds vf/kdkjh ugha gS vkSj mijksDr dkj.k gh chek ikWfylh ds 'krksZa ds rgr ifjoknh dk nkok oS/kkfud vk/kkj ij vukosnd }kjk fujLr fd;k x;k gS A ,slh fLFkfr esa ] ifjoknh vukosnd ls fdlh Hkh izdkj jde izkIr djus dk vf/kdkjh ugha gS A chek vof/k ] chek izhfe;e ] chek/ku chek ikWfylh ds rgr~ gS A losZ;j fjiksVZ ds ifjizs{; esa ] :- 986310@& ¼ukS yk[k fN;klh gtkj rhu lkS nl :i,½ dk iz'u gh mRiUu ugha gksrk gS A chek ikWfylh dh 'krksZa ds rgr okgu chfer Fkh ] Vkspu vk/kkjghu gS A dksVs'ku {kfr jde ugha gksrk gS A oS/kkfud vk/kkj ij nkok fujLr fd;k x;k gS A ifjoknh }kjk chek ikWfylh dk ?kksj mYya?ku fd;k x;k gS A nkok fujLr dj vukosnd }kjk lsok esa deh ugha dh xbZ gS A ,slh fLFkfr esa ] okn dkj.k {ks=kf/kdkj dk iz'u mRiUu ugha gksrk gS A chek ikWfylh ds ?kksj mYya?ku ds dkj.k ifjoknh vukosnd ls fdlh Hkh izdkj dh jde izkIr djus ds vf/kdkjh ugha gS A vr% ifjoknh }kjk izLrqr vkosnu&i= lO;; fujLr fd;k tkos A 04- mHk;&i{k }kjk fd;s x;s vfHkopu ] 'kiFk&i= ,oa nLrkosth lk{; dh foospuk i'pkr~ ftyk Qksje us ifjoknh ds ifjokn dks fujLr fd;k gS] ftlds fo:) ;g vihy gS A // 5 // 05 ifjoknh dh vksj ls ftyk Qksje ds le{k vius i{k leFkZu esa vkosnd vukosnd chek daiuh ls djk;s x;s gSMªk okgu dk chek ikWfylh ck.M Nk;kizfr] (Anx A-1)] vkosnd }kjk iqfyl pkSdh ] okMªQuxj] ftyk cyjkeiqj] N-x- esa nq?kZVukxzLr gSMªk okgu ds laca/k esa djk;s x;s fyf[kr vkosnu] izFke lwpuk fjiksVZ rFkk e`rd vfuy jkor ds MsFk ckWMh dks mlds ifjtuksa ds x`g xzke Hkstus laca/kh izek.k&i= rFkk e`R;q izek.k&i= dh Nk;kizfr] (Anx A-2 to A-6)] gSMªk okgu ds Ø; ls lacaf/kr jlhn] Mªk;foax yk;lsal ,oa okgu iath;u izek.k&i= dh Nk;kizfr] (Anx A-7 to A-9)] vukosnd chek daiuh }kjk chek nkok fujLr fd;s tkus dk izek.k&i= fnukad712-10-2015 dh Nk;kizfr] (Anx A-10) dks nLrkost ds :i esa izLrqr fd;k gSA 06- vukosnd }kjk vius i{k leFkZu esa ftyk Qksje ds le{k chek daiuh dk i= fnukad712-10-2015 dh Nk;kizfr (Anx D-1)] chek ikWfylh dh Nk;kizfr (Anx D-2)] vUos"k.k fjiksVZ e; ,Q vkbZ- vkj- dh Nk;kizfr] (Anx D-3 to D-5)] ewy isij dafVax (Anx D-6)] Dyse QkseZ dh Nk;kizfr] (Anx D-7)] losZ;j nqxZs'k dh fjiksVZ dh Nk;kizfr] (Anx D-8)] losZ;j mRd"kZ dh fjiksVZ dh Nk;kizfr (Anx D-9)] okgu dk vkj-lh- dh Nk;kizfr (Anx D-10)] dks nLrkost ds :i esa izLrqr fd;k gSA 07- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lkSjHk 'kqDyk dk rdZ gS fd ftyk Qksje }kjk ikfjr vkns'k =qfViw.kZ // 6 // gS A vukosnd us ifjoknh ds nkos dks dsoy bl vk/kkj ij fujLr fd;k Fkk fd okgu esa fu/kkZfjr ek=k ls ,d O;fDr vf/kd cSBk gqvk Fkk ] ijarq ftyk Qksje us ifjoknh ds pkyd ds ikl Mªk;foax yk;lsal ugha Fkk vkSj Øsu eky ;ku ds varxZr ugha vkrk gS vkSj pkyd vo/ks'k ;kno ds ikl oS/k ,oa izHkkoh Mªk;foax yk;lsal Fkk ] ijarq ftyk Qksje us dsoy ;g fu/kkZfjr djrs gq, fd okgu Øsu Fkk vkSj pkyd ds ikl Øsu pykus dk yk;lsal ugha gS A ifjoknh ds ifjokn fujLr fd;k gS ] tcfd vukosnd }kjk fu;qDr vUos"kd vuwi esgrk us gh Øsu dks ifjogu ;ku ds :i esa ekuk gS vkSj bl losZ;j us {kfr dk fu/kkZj.k fd;k gS mlds ckn Hkh ftyk Qksje }kjk ifjokn dks fujLr fd;k tkuk =qfViw.kZ gS vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr dj ifjoknh dks ifjokn&i= esa of.kZrvuqlkj vuqrks"k iznku fd;k tkos A 08- mRrjoknh@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk lqJh jk/kkjkuh xqIrk dk rdZ gS fd dfFkr okgu Øsu Fkk Øsu pykus ds fy, pkyd ds ikl oS/k ,oa izHkkoh Mªk;foax yk;lsal ugha Fkk vkSj fu/kkZfjr lhek ls vf/kd O;fDr okgu esa cSBs gq, Fks ] tks fd lhek 'krksZa dk mYya?ku gS vkSj chek daiuh us mfpr :i ls nkos dks vLohdkj fd;k gS A ftyk Qksje }kjk fudkyk x;k fu"d"kZ iw.kZr% mfpr gS] mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS A vr% vihykFkhZ@ifjoknh }kjk izLrqr vihy fujLr fd;s tkus ;ksX; gksus ls] fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkns'k dks ;Fkkor~ j[kk tkos A // 7 // 09- geus mHk;&i{k ds fo}ku vf/koDRkkx.k dk rdZ Jo.k fd;k A ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk ifj'khyu fd;k A 10- ifjoknh dh vksj ls ba';ksjsal lfVZfQdsV de ikWfylh 'ksM~;wy (Anx A-1) izLrqr fd;k x;k gS ] ftlds vuqlkj okgu Øekad& lh-th- 15 ,-bZ- 4461 Øsu vukosnd ds ikl fnukad&27-01-2015 ls 26-01-2016 rd dh vof/k ds fy, chfer Fkk vkSj okgu dk chfer ewY; :-10]85]000@& ¼nl yk[k iP;klh gtkj :i,½ fu/kkZfjr fd;k x;k Fkk A ifjoknh dh vksj ls lfVZfQdsV vkWQ jftLVªs'ku (Anx A-8) Hkh izLrqr fd;k x;k gS vkSj ftlds vuqlkj okgu Øekad& lh-th- 15 ,-bZ- 4461 ifjoknh ds uke ij ntZ gS vkSj okgu ds esd esa LdkVZ Øsu mYysf[kr gS rFkk vUos"kd vuwi esgrk us Hkh ifjoknh dks okgu dk iathd`r Lokeh ekuk gS A bl izdkj ;g lkfcr gS fd ifjoknh iz'uk/khu okgu dk iathd`r Lokeh gS vkSj okgu nq?kZVuk fnukad dks vukosnd ds ikl chfer Fkk A 11- ifjoknh ds vuqlkj fnukad&03-05-2015 dks okgu nq?kZVukxzLr gks x;k Fkk vkSj fnukad&04-05-2015 dks nkok izLrqr izLrqr fd;k x;k Fkk A ifjoknh dh vksj ls (Anx A-3) izFke lwpuk&i= dh izfrfyfi izLrqr fd;k x;k gS ] ftlds ifj'khyu ls izdV gS fd ?kVuk fnukad&03-05-2015 ds jkr 10 cts ds djhc dk gS vkSj fnukad&04-05-2015 dks fjiksVZ ntZ fd;k x;k gS vkSj ftlds vuqlkj okgu nq?kZVukxzlr gqvk Fkk A vukosnd dh vksj ls (Anx D-3) vUos"kd dh fjiksVZ izLrqr fd;k x;k gS ] mlesa Hkh // 8 // nq?kZVuk dh rF;ksa dks ekuk gS A bl izdkj ;g Hkh lkfcr gS fd fnukad&03-05-2015 dks iz'uk/khu okgu nq?kZVukxzLr gks x;k Fkk A 12- ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&11 esa ;g fu/kkZfjr fd;k gS fd gsMªk okgu ¼Øsu½ eksVj ;ku vf/kfu;e ds rgr~ Hkkjh ifjogu ;ku dh Js.kh esa ugha j[kk x;k gS A pkgs ;k=h ifjogu ;ku gks ;k eky ifjogu ;ku ] nksuksa ls Øsu vyx gksrh gS A okgu ds jftLVªhdj.k ds ifjizs{; esa ] eksVj;ku vf/kfu;e dh /kkjk&41 ¼4½ ds iz;kstukFkZ dsanzh; eksVj;ku fu;e 1989 ds rgr~ tkjh vf/klwpuk la-,l-vks- 436 ¼bZ½ 12 twu 1989 dks vfrf"Br djrs gq, dsanzh; ljdkj }kjk vf/klwpuk Øekad&,l-vks-859 ¼bZ½ fnukad&24-11-92 }kjk var%LFkkfir lkj.kh esa Øekad&1 ij ifjoku ;ku ¼VªkaliksVZ Oghdy½ dh lwph nh xbZ gS ,oa Øekad&2 ij vifjogu ;ku ¼uku VªkaliksVZ Oghdy½ dh lwph nh xbZ gS A ftlesa Øsu ;qDr ;ku dks Øekad&2 ij vifjogu ;ku ¼uku VªkaliksVZ Oghdy½ dh lwph esa Øekad& (iX) ij j[kk x;k gS A ;g fu/kkZjr djrs gq, fd og Hkkjh okgu dh Js.kh dk gS ] ysfdu og u rks ;k=h;ku gS vkSj u gh eky;ku gS vkSj pkyd ds ikl Mªk;foax yk;lsal ugha Fkk tks fd chek 'krkZsa dk mYya?ku gS A dafMdk &10 ea ;g fu/kkZfjr djrs gq, fd okgu dh iath;u 'krksZa ds foijhr okgu esa ?kVuk ds le; 2 O;fDr cSBdj okgu dks pyk;k tk jgk Fkk ] tks fd chek 'krksZa dk mYya?ku gS ] ifjoknh ds ifjokn dks fujLr fd;k gS A 13- vukosnd dh vksj ls tks ifjoknh dks jsiqfM,'ku ysVj izsf"kr fd;k gS ] ml jsiqfM,'ku ysVj dks ifjoknh us (Anx A-10) ds :i esa rFkk // 9 // vukosnd us (Anx D-1) ds :i esa izLrqr fd;k gS vkSj jsiqfM,'ku ysVj esa dsoy ;g mYysf[kr fd;k x;k gS fd Oghdy esa cSBus dh {kerk 1 Fkh ] tcfd nq?kZVuk ds le; 2 O;fDr okgu esa ;k=k dj jgs Fks vkSj bl vk/kkj ij nkok fujLr fd;k gS A Mªk;foax yk;lsal ds laca/k esa vukosnd }kjk fdlh izdkj dk dksbZ vk{ksi ugha fd;k x;k gS A 14- ifjoknh dh vksj ls izFke lwpuk&i= izLrqr fd;k x;k gS ] mlesa ;g crk;k x;k gS fd %& ^^ LVkWQ ds lkFk vius daiuh dk [kjkc ts-lh-ch- dk ejEer djus xzke L;kgh vk;k Fkk LdkVZ gkbMªk lhth 15 , bZ 4461 dk pkyd vo/ks'k ;kno ] Dyhuj vfuy jko ds lkFk xzke L;kgh tk jgk Fkk A okgu pkyd gkbZMªk dks rsth o ykijokgh iwoZd pykdj fnukad&03005-2015 ds jkr djhc 10 cts lM+d fdukjs ,DlhMsaV dj fn;k A** 15- (Anx D-4)] ckyds'k oekZ dk c;ku gS ftlesa ;g crk;k gS fd gsMªk Øekad&lh-th-15 ,-bZ- 4461 mlds LokfeRo dk gS A fnukad&03-05-2015 dks mDr okgu dks xzke djeMhgk ,d efgUnzk vFkZ ekLVj dk batu mrkjus ds fy, Hkstk Fkk A xkM+h dks Mªk;oj vo/ks'k ;kno vkSj Dyhuj vfuy jkor ysdj tk jgs Fks A jkLrs esa okMªQuxj ds dqN vkxs xkM+h ,DlhMsaV gks x;h ]ftlesa vfuy jkor dh ekSds ij gh MsFk gks x;h A bl izdkj Li"V gS fd ] ftl le; nq?kZVuk gqbZ ] ml le; dfFkr okgu esa pkyd ds vfrfjDr mldk Dyhuj cSBk gqvk Fkk A bl // 10 // izdkj fu/kkZfjr tks cSBus dh {kerk gS ] mlls 1 O;fDr vf/kd okgu esa lokj Fkk A 16- 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."
17. 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."
18. 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%& // 11 // "In case of overloading of vehicle beyond licence carrying capacity claim is admissible upto 75% on non-standard basis."
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- mijksDr U;k; n`"Vkarksa esa ;g crk;k x;k gS fd vksOgj yksfMax ds dkj.k dksbZ nq?kZVuk ?kfVr gksrk gS rks {kfriwfrZ dh jkf'k dks vekud (Non Standard Basis) vk/kkj ij 75 izfr'kr dh jkf'k {kfriwfrZ ds :Ik esa fnyk;k tkuk mfpr gksxk A mijksDr U;k; n`"Vkarksa ds ifjizs{; esa mRrjoknh@vukosnd us tks U;k; n`"Vkarksa dk voyacu fy;k gS mldk ykHk mRrjoknh@vukosnd dks ugha feyrk gSA 21 eksVj ;ku vf/kfu;e 1988 esa tks ifjHkk"kk nh xbZ gS ] mlesa Hkkjh okgu dks i`Fkd ls ifjHkkf"kr ugha fd;k x;k gS ] vfirq Hkkjh eky ;ku ] Hkkjh ;k=h eksVj ;ku vkSj eky okgu ifjHkkf"kr gS vkSj /kkjk&2 ¼16½ esa Hkkjh eky ;ku dks ifjHkkf"kr djrs gq, crk;k x;k gS fd%& ¼16½ **Hkkjh eky ;ku** ls vfHkizsr gS ,slk dksbZ eky ;ku ftldk ldy ;ku Hkkj] ;k ,slk dksbZ VªSDVj ;k jksM&jksyj ftlesa ls fdlh dk ynku jfgr Hkkj] 12]000 fdyksxzke ls vf/kd gS] rks og Hkkjh eku ;ku ds varxZr vk;sxk A
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// 12 // 22- gkykafd ] ftyk Qksje us vf/klwpuk Øekad&,l-vks-859 ¼bZ½ fnukad& 24-11-92 }kjk var%LFkkfir lkj.kh esa Øekad&1 ij ifjogu ;ku ¼VªkaliksVZ Oghdy½ Øsu ;qDr ;ku dks Øekad&2 ij vifjogu ;ku ¼uku VªkaliksVZ Oghdy½ ekuk gS ] ijarq mlds fy, vyx ls Mªk;foax yk;lasl i`"Bkadu djus dh vko';drk gS ] mldk mYys[k ugha gS ] tcfd pkyd dk Mªk;foax yk;lsal izLrqr ugha fd;k x;k gS ] mlesa eksVj lk;dy ] fonkmV @foFk fx;j] ykbZV eksVj Oghdy] gSoh xqM~l Oghdy] gSoh islsatj eksVj Ogdy ds fy, tkjh fd;k tkuk crk;k x;k gS ] tks fd fnukad&15-05-2030 rd ds fy, oS/k ,oa izHkkoh crk;k x;k gS ] tks Mªk;foax yk;lsal tkjh fd;k x;k Fkk ] ckn esa uohuhd`r gksuk izdV gksrk gS A bl izdkj pkyd ds ikl gSoh xqM~l Oghdy vkSj gSoh iSlsatj eksVj Oghdy pkyu ds fy, izHkkoh Mªk;foax yk;lsal Fkk A ,slh fLFkfr eas ] og Øsu pykus ds fy, Hkh l{ke Fkk A 23- vukosnd dh vksj tks vUos"kd fu;qDr fd;k x;k Fkk ] vUos"kd us Hkh vius fjiksVZ esa Mªk;foax yk;lsal ds laca/k esa dksbZ vk{ksi ugha fd;k gS ] dsoy ;g dFku fd;k gS fd ifjogu ;ku gS ] Mªk;foax yk;lsal ds ckjs esa dksbZ vk{ksi ugha fd;k x;k gS rFkk fyf[kr dFku esa Mªk;foax yk;lsal ds laca/k esa dksbZ vk{ksi ugha fd;k x;k gS vkSj bu lc ifjfLFkfr;ksa dks ns[krs gq, ekuk tkosxk fd] nq?kZVuk fnukad dks pkyd ds ikl oS/k ,oa izHkkoh Mªk;foax yk;lsal Fkk A // 13 // 24- vc ;g ns[kuk gS fd ifjoknh fdl lhek rd {kfriwfrZ ikus dk vf/kdkjh gS \ 25- vukosnd dh vksj mRd"kZ f'kaxosdj dks losZ;j fu;qDr fd;k x;k Fkk vkSj mRd"kZ f'kaxosdj us okgu dk fujh{k.k djus ds ckn viuk foLr`r fjiksVZ izLrqr fd;k gS vkSj ;g fu/kkZfjr fd;k gS fd ifjoknh dks {kfriwfZrZ ds :i esa :- 6]67]000@& ¼N% yk[k lM+qlB gtkj :i,½ dk Hkqxrku fd;k tk ldrk gS A 26- Devendra Malhotra Vs. United India Insurance Co. Ltd. & Anr. 2016 (3) CLT 525 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986, Sections 2 (1) (g), 19 & 21 (a) (ii)- Insurance claim Surveyor report Held It is a established legal proposition that the report made by the surveyor, who is a professional in his field, cannot disbelieved, unless there are cogent and convincing reasons to do so."
27- 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%& **losZ;j fjiksVZ dks Ik;kZIr egRo nsuk pkfg, tc rd fd mls vLohd`r djus ds fy, Ik;kZIr ,oa Bksl vk/kkj fo|eku ugha gSA** // 14 // 28- blh izdkj Iffco-Tokio General Insurance Co. Ltd. Vs. Beena Raghav III (2015) CPJ 75 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& **losZ;j ,d Lora= O;fDr gksrk gS vkSj mlds }kjk tks fjiksVZ fn;k tkrk gS mldk lkf{kd egRo gS vkSj mls rc rd vuns[kk ugha fd;k tk ldrk tc rd mls fo'oluh; lk{; ds }kjk [kf.Mr u dj fn;k tkosA** 29- Oriental Insurance Co. Ltd. Vs. Pavan Enterprises & Anr. I (2016) CPJ 503 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. I see no reason to discard the report of the Surveyor. He appears to be a guideless witness. No motive was ever attributed to him. There must be some reasonable ground or doubt to reject his report. The report of the Surveyor carries infinite significance as was held in Roshan Lal Oil Mills Ltd. & Ors., 2014 (SLT Soft) 1 = 2014 (CPJ Soft) 1 = (2000) 10 Supreme Court Cases 19 and in D.N. Badoni v. Oriental Insurance Co. Ltd., I (2012) C.P.J. 272 (NC)."
30. New India Assurance Co. Ltd., vs. Pave Infrastructures Pvt. Ltd., 2015 (3) CPR 577 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Loss of assessment by approved Surveyor can be discarded only on cogent reasons".
// 15 //
31. 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 & in D.N. Badoni Vs. Oriental Insurance Co. Ltd. I (2012) C.P.J. 272 (NC)".
32. 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".
// 16 //
33. 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).
34. M/s. Hinafil India Limited vs. United India Insurance Company Limited & Another, 2015 (3) CPR 35 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Surveyor being a third person, report submitted by him is entitled to a great weight and should ordinarily be accepted." 35 mijksDr U;k;&n`"Vkarksa ds ifjizs{; esa ifjoknh bl izdj.k esa Hkh vekud vk/kkj ij (Non-Standard) {kfriwfrZ ikus dk vf/kdkjh gS A losZ;j us {kfr dk vkadyu :- 6]67]000@& ¼N% yk[k lM+qlB gtkj :i,½ fd;k gS vkSj losZ;j fjiksVZ Lohdkj fd;s tkus ;ksX; gS vkSj ,slh fLFkfr esa ]losZ;j // 17 // }kjk tks {kfr dk vkadyu fd;k x;k gS ] mlh ds vk/kkj ij ] ifjoknh mldk 75% vekud vk/kkj ij (Non-Standard) , {kfriwfrZ ikus dk vf/kdkjh gS ] tks :-4]55]25-75 iSls@& ¼pkj yk[k ipiu gtkj iPphl :i, iPgRrj iSls½ gksrk gS A ifjoknh :-4]550]26@& ¼pkj yk[k ipiu gtkj NCchl :i,½ {kfriwfrZ izkIr djus dk vf/kdkjh gS A 36 mijksDr foospuk ds ifjizs{; esa ] vihykFkhZ @ifjoknh dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gS A ftyk Qksje }kjk ikfjr vkns'k fnukad&19-10-2016 vikLr fd;k tkrk gS A ifjoknh ds ifjokn dks Lohdkj fd;k tkrk gS vkSj ;g vknsf'kr fd;k tkrk gS fd mRrjoknh@ vukosnd ¼ ba';ksjsal daiuh ½ ifjoknh dks bl vkns'k fnukad ls 45 fnu ds Hkhrj :-4]55]026@& ¼pkj yk[k ipiu gtkj NCchl :i,½ {kfriwfrZ ds :i esa vnk djsxk A mRrjoknh@ vukosnd ¼ ba';ksjsal daiuh ½ mDr :-4]55]026@& ¼pkj yk[k ipiu gtkj NCchl :i,½ jkf'k ij 9% okf"kZd dh nj ls okn izLrqfr fnukad 02-11-2015 ls ysdj jde dh vnk;xh fnukad rd C;kt Hkh vnk djsxk A 37- vukosnd bl vihy dk O;; :-5000@& ¼ikap gtkj :i,½ ifjoknh dks vnk djsxk A ¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼ ujsanz xqIrk½ v/;{k lnL;
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