State Consumer Disputes Redressal Commission
Liberty Videocon General Insurance Co. ... vs Smt. Laxmi Bai & Anr on 6 November, 2024
Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k vk;ksx] iaMjh] jk;iqj lafLFkr fnukad&28-03-2024 vafre rdZ fnukad&16-10-2024 vkns'k fnukad&06-11-2024- vihy Øekad&FA/2024/201 fycVhZ fofM;ksdku tujy ba';ksjsl a daiuh fyfeVsM] }kjk&'kk[kk izc/a kd] irk f}rh; ry] ';ke Iyktk] u;k cl LVS.M ds lkeus] jk;iqj] ftyk jk;iqj ¼N-x-½ iathd`r dk;kZy;&10oha eafty] VkWoj&,] isfuulqyk fctusl ikdZ] x.kirjko dne ekxZ] yksoj iSjy] eqEcbZ&400013 }kjk&'kk[kk izc/a kd] fycVhZ tujy ba';ksjsl a daiuh fyfeVsM] 'kkWi ua-&120] izFke ry] xq: ?kklhnkl okMZ] ,e- ,e- flYoj Iyktk] fjax jksM ua-&01] rsyhcka/kk] jk;iqj ¼N-x-½ 492001 ¼}kjk Jh nhis'k FkokbZr] vf/koDrk okLrs vihykFkhZ½
----------------- vihykFkhZ@fo:) i{kdkj dz-&1- fo:) 1- Jherh y{eh ckbZ ifr Lo- v'kksd dqekj lkgw] mez&32 o"kZ] fuoklh xzke&dksgykdlk] iksLV&fpjpkjh] Fkkuk&cksjryko] ftyk&jktukanxkao ¼N-x-½ ¼}kjk Jh jkts'k oekZ] vf/koDrk okLrs mRrjokfnuh dz-&1½
----------------mRrjokfnuh dz-&1@ifjokfnuh-
2- ftyk lgdkjh dsUnzh; cSad e;kZfnr] }kjk&'kk[kk izc/a kd] th- bZ- jksM] jktukanxkao ¼N-x-½ ¼}kjk Jherh fuosfnrk feJk] vf/koDrk okLrs mRrjoknh dz-&2½
----------------mRrjoknh dz-&2@fo:) i{kdkj dz-&2- lafLFkr fnukad&28-03-2024 vafre rdZ fnukad&16-10-2024 vkns'k fnukad&06-11-2024- vihy Øekad&FA/2024/202 fycVhZ fofM;ksdku tujy ba';ksjsl a daiuh fyfeVsM] }kjk&'kk[kk izc/a kd] irk f}rh; ry] ';ke Iyktk] u;k cl LVS.M ds lkeus] jk;iqj] ftyk jk;iqj ¼N-x-½ iathd`r dk;kZy;&10oha eafty] VkWoj&,] isfuulqyk fctusl ikdZ] x.kirjko dne ekxZ] yksoj iSjy] eqEcbZ&400013 }kjk&'kk[kk izc/a kd] fycVhZ tujy ba';ksjsl a daiuh fyfeVsM] 'kkWi ua-&120] izFke ry] xq: ?kklhnkl okMZ] ,e- ,e- flYoj Iyktk] fjax jksM ua-&01] rsyhcka/kk] jk;iqj ¼N-x-½ 492001 ¼}kjk Jh nhis'k FkokbZr] vf/koDrk okLrs vihykFkhZ½
----------------- vihykFkhZ@fo:) i{kdkj dz-&1- fo:) 1- Jherh ghjk ckbZ firk Lo- daqoj yky oekZ] mez&54 o"kZ] Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 1 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 fuoklh xzke o iksLV&efM;ku ¼yk- c- uxj½] rglhy&Mksaxjxkao] ftyk&jktukanxkao ¼N-x-½ ¼}kjk Jh jkts'k oekZ] vf/koDrk okLrs mRrjokfnuh dz-&1½
----------------mRrjokfnuh dz-&1@ifjokfnuh-
2- ftyk lgdkjh dsUnzh; cSad e;kZfnr] }kjk&'kk[kk izc/a kd] th- bZ- jksM] jktukanxkao ¼N-x-½ ¼}kjk Jherh fuosfnrk feJk] vf/koDrk okLrs mRrjoknh dz-&2½
----------------mRrjoknh dz-&2@fo:) i{kdkj dz-&2- lafLFkr fnukad&28-03-2024 vafre rdZ fnukad&16-10-2024 vkns'k fnukad&06-11-2024- vihy Øekad&FA/2024/203 fycVhZ fofM;ksdku tujy ba';ksjsl a daiuh fyfeVsM] }kjk&'kk[kk izca/kd] irk f}rh; ry] ';ke Iyktk] u;k cl LVS.M ds lkeus] jk;iqj] ftyk jk;iqj ¼N-x-½ iathd`r dk;kZy;&10oha eafty] VkWoj,] isfuulqyk fctusl ikdZ] x.kirjko dne ekxZ] yksoj iSjy] eqEcbZ&400013 }kjk&'kk[kk izc/a kd] fycVhZ tujy ba';ksjsl a daiuh fyfeVsM] 'kkWi ua-&120] izFke ry] xq: ?kklhnkl okMZ] ,e- ,e- flYoj Iyktk] fjax jksM ua-&01] rsyhcka/kk] jk;iqj ¼N-x-½ 492001 ¼}kjk Jh nhis'k FkokbZr] vf/koDrk okLrs vihykFkhZ½
----------------- vihykFkhZ@fo:) i{kdkj dz-&1- fo:) 1- Jherh mfeZyk ckbZ ifr Lo- Jh jkelgk; lkax] mez&48 o"kZ] fuoklh xzke&ykywVksyk] iksLV&fppksyk] fodkl [kaM&Nqfj;k] ftyk&jktukanxkao ¼N-x-½ ¼}kjk Jh jkts'k oekZ] vf/koDrk okLrs mRrjokfnuh dz-&1½
----------------mRrjokfnuh dz-&1@ifjokfnuh-
2- ftyk lgdkjh dsUnzh; cSad e;kZfnr] }kjk&'kk[kk izc/a kd] th- bZ- jksM] jktukanxkao ¼N-x-½ ¼}kjk Jherh fuosfnrk feJk] vf/koDrk okLrs mRrjoknh dz-&2½
----------------mRrjoknh dz-&2@fo:) i{kdkj dz-&2- le{k% ekuuh; U;k;ewfrZ Jh xkSre pkSjfM+;k] v/;{k-
ekuuh; Jh izeksn dqekj oekZ] lnL;-
vafre rdZ esa mifLFkr& vihykFkhZ dh vksj ls Jh nhis'k FkokbZr] vf/koDrkA mRrjokfnuh dzekad&1 dh vksj ls Jh jkts'k oekZ] vf/koDrk mRrjoknh dzekad&2 dh vksj ls Jherh fuosfnrk feJk] vf/koDrkA Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 2 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 vkns'k ¼ }kjk& izeksn dqekj oekZ] lnL; ½ vihykFkhZ@fo:) i{kdkj dz-&1 us ;g vihy /kkjk&41 miHkksDrk laj{k.k vf/kfu;e] 2019 ds varxZr ftyk miHkksDrk fookn izfrrks"k vk;ksx] jk;iqj ¼N-x½ ¼ftls vkxs laf{kIr esa **lacaf/kr ftyk vk;ksx** lacksf/kr fd;k tk,xk½ ds }kjk ifjokfnuhx.k ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, uhps lkj.kh esa mYysf[kr vuqlkj vuqrks"k iznku fd;k gS] ls {kqC/k gksdj ;g vihy izLrqr fd;k gS tks fuEukuqlkj gS& dz- vihy dz-- Ikzdj.k dz- vkns"k ftyk vkns"k fnukad vk;ksx 1- ,Q,@2024@201 lhlh@2015@446 30-11-2023 jk;iqj fo:) i{kdkj dz-&1 chek daiuh] ifjokfnuh dks 5]00]000@&¼ikap yk[k :Ik;s½ ,oa mDr jkf'k ij ifjokn izLrqfr fnukad&19-08-2015 ls vnk;xh fnukad rd 06 izfr'kr lk/kkj.k okf"kZd C;kt rFkk ekufld d"V gsrq 20]000@&¼chl gtkj :Ik;s½ o vf/koDrk 'kqYd ,oa okn O;; gsrq 5]000@&¼ikap gtkj :Ik;s½ vnk djsxkA 2- ,Q,@2024@202 lhlh@2015@444 30-11-2023 jk;iqj fo:) i{kdkj dz-&1 chek daiuh] ifjokfnuh dks 5]00]000@&¼ikap yk[k :Ik;s½ ,oa mDr jkf'k ij ifjokn izLrqfr fnukad&19-08-2015 ls vnk;xh fnukad rd 06 izfr'kr lk/kkj.k okf"kZd C;kt rFkk ekufld d"V gsrq 20]000@&¼chl gtkj :Ik;s½ o vf/koDrk 'kqYd ,oa okn O;; gsrq 5]000@&¼ikap gtkj :Ik;s½ vnk djsxkA 3- ,Q,@2024@203 lhlh@2015@447 30-11-2023 jk;iqj fo:) i{kdkj dz-&1 chek daiuh] ifjokfnuh dks 5]00]000@&¼ikap yk[k :Ik;s½ ,oa mDr jkf'k ij ifjokn izLrqfr fnukad&19-08-2015 ls vnk;xh fnukad rd 06 izfr'kr lk/kkj.k okf"kZd C;kt rFkk ekufld d"V gsrq 20]000@&¼chl gtkj :Ik;s½ o vf/koDrk 'kqYd ,oa okn O;; gsrq 5]000@&¼ikap gtkj :Ik;s½ vnk djsxkA 02- rhuksa izdj.kksa esa fof/k ,oa rF;ksa ds ,d leku iz'u fufgr gSa blfy, rhuksa vihyksa dk fujkdj.k bl ,d gh vkns'k }kjk fd;k tk jgk gSA ewy vkns'k vihy Øekad&,Q,@2024@201 esa layXu dh tkos ,oa vkns'k dh izekf.kr lR; izfrfyfi vihy Øekad&,Q,@2024@202 ,oa ,Q,@2024@203 esa layXu dh tkosA lqfo/kk ds fy, bl vkns'k esa vihy Øekad&,Q,@2024@201 Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 3 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 ds rF;ksa dk mYys[k fd;k tk jgk gS ,oa vU; nks vihy ds rF; muds ifjokn ,oa fyf[kr dFku rFkk nLrkostksa esa mYysf[kr vuqlkj gksx a sA 03- lacaf/kr ftyk vk;ksx ds le{k mRrjokfnuh dz-&1@ifjokfnuh dk ifjokn laf{kIr esa bl izdkj jgk gS fd mRrjoknh dz-&2@fo:) i{kdkj dz-&2 }kjk vihykFkhZ@fo:) i{kdkj dz-&1 ls vius dzsfMV dkMZ fdlkuksa dk lewg nq?kZVuk chek djok;k x;k Fkk ftl gsrq chek ikWfylh dk izhfe;e mRrjoknh dz- 2@fo:) i{kdkj dz-&2 }kjk ,deq'r :Ik ls vihykFkhZ@fo:) i{kdkj dz-&1 dks iznku fd;k x;k Fkk ftl ij vihykFkhZ@fo:) i{kdkj dz -&1 }kjk 5]00]000@&¼ikap yk[k :Ik;s½ dk O;fDrxr nq?kZVuk chek ikWfylh dz-& 4112&400301&13&5000029&00&000 fnukad&24-01-2014 ls fnukad&23-01- 2015 rd ds fy, tkjh dh xbZ Fkh ftlds varxZr e`rd Jh v'kksd dqekj lkgw dk chek FkkA nq?kZVuk fnukad&26-07-2014 dks yxHkx 11%30 cts xzke lsu Mksaxj fppksyk] Fkkuk Nqfj;k esa ekg:jke ds [ksr esa e`fd v'kksd dqekj lkgw }kjk VsªDVj dks dhpM+ ls fudkyus ds nkSjku VsªDVj dk pDdk mlds Åij p<+ x;k ftlls mldh e`R;q gks xbZ ftldh lwpuk iqfyl Fkkuk Nqfj;k esa fn;k x;k ftl ij exZ dk;e fd;k x;k vkSj iqfyl }kjk e`rd dk iksLVekVZe djok;k x;k ftlesa v'kksd dqekj lkgw dh e`R;q nq?kZVuk esa vkbZ pksVksa ds dkj.k gksuk ik;k x;kA ?kVuk dh lwpuk cSad }kjk chek daiuh dks vius i= dz-&fof/k@2013&14@2998 fnukad&08-09-2014 ds ek/;e ls laiw.kZ nLrkostksa lfgr Hksth xbZ Fkh mlds ckotwn Hkh chek daiuh }kjk mRrjokfnuh dz -&1@ifjokfnuh ds chek nkok dks foyac ls lwpuk fn;s tkus ds vk/kkj ij [kkfjt dj fn;k x;k] tcfd chek nkok dks foyac ls lwpuk fn;s tkus ds vk/kkj ij [kkfjt ugha fd;k tk ldrk] D;ksfa d foyac ls lwpuk nsus ls e`rd dh ekSr nq?kZVukRed ls ifjofrZr gksdj vkRegR;kRed vFkok gR;kRed ugha gks tkrh rFkk chek daiuh dks MªkbZfoax Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 4 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 ykbZll sa fn;k tkuk vfuok;Z ugha gS] D;ksfa d e`rd ds ikl MªkbZfoax ykbZlsl a Fkk ;k ugha bl laca/k esa chek ikWfylh esa dksbZ 'krZ vFkok fu;e ugha gS vkSj ;fn ,slh 'krZZ gS rks chek daiuh us ,slh dksbZ 'krZ vFkok fu;e chek/kkjd dks dHkh ugha Hksts gSa vkSj u gh chek ikWfylh chek /kkjd dks izn kuj fd;k x;k gSA blfy, ,slh 'krZ dks ekuus ds fy, chek /kkjd ck/; ugha gSA bl izdkj fo:) i{kdkjx.k }kjk chek jkf'k iznku u dj lsok esa deh dh xbZ gS ftlds dkj.k mRrjokfnuh dz-&1@ifjokfnuh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn Lohdkj dj ifjokn esa okafNr vuqrks"k fnyk;s tkus dk fuosnu dh gSA 04- lacaf/kr ftyk vk;ksx ds le{k vihykFkhZ@fo:) i{kdkj dz-&1 dh vksj ls izkjafHkd vkifRr lg fyf[kr dFku izLrqr dj ;g cpko fy;k gS fd mRrjokfnuh dz-&1@ifjokfnuh dk ifjokn izpyu ;ksX; ugha gS] D;ksfa d mRrjokfnuh dz-&1@ifjokfnuh ds chek nkok dk fujkdj.k fd;k tk pqdk gS ,oa nkok dks nLrkost is'k ugha fd;s tkuss ds dkj.k fujLr dj fn;k x;k gSA mRrjokfnuh dz-&1@ifjokfnuh }kjk ?kVuk dh lwpuk le; ij ugha nh xbZ rFkk mRrjoknh dz-&2@fo:) i{kdkj dz-&2 dh vksj ls vius i= fnukad&08-09- 2014 ds ek/;e ls chek /kkjd ds e`R;q dh lwpuk nh tks vihykFkhZ@fo:) i{kdkj dz-&1 dks fnukad&26-11-2014 dks izkIr gqbZ gSA e`rd }kjk ?kVuk ds le; VsªDVj dk pkyu fd;k tk jgk Fkk ftlds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZll sa ugha Fkk tks fd chek ikWfylh dh 'krksZa dk mYya?ku gS ftlds dkj.k mRrjokfnuh dz-&1@ifjokfnuh dk chek nkok fujLr dj lsok esa dksbZ deh ugha dh xbZ gSA mRrjokfnuh dz-&1@ifjokfnuh dksbZ vuqrks"k izkIr djus dh vf/kdkfj.kh ugha gSA vr% ifjokn fujLr fd;s tkus dk fuosnu fd;k x;k gSA Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 5 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 05- lacaf/kr ftyk vk;ksx ds le{k vihykFkhZ@fo:) i{kdkj dz -&1 dh vksj ls fyf[kr dFku izLrqr dj ;g cpko fy;k gS fd mRrjokfnuh dz-&1@ ifjokfnuh ds ifr dh e`R;q dh lwpuk mRrjoknh dz -&2@fo:) i{kdkj dz- 2 dks izkIr gksus ds Ik'pkr~ mldh lwpuk mRRrjoknh dz -&2@fo:) i{kdkj dz-&2 }kjk vihykFkhZ@fo:) i{kdkj dz-&1 dks nLrkostksa lfgr ns nh xbZ Fkh] fdarq vihykFkhZ@fo:) i{kdkj dz-&1 }kjk chek jkf'k dk Hkqxrku ugha fd;k x;k gS vkSj mRrjokfnuh dz-&1@ifjokfnuh ds chek nkok dks foyac ls lwpuk fn;s tkus ds vk/kkj ij [kkfjt dj fn;k x;k gSA ekLVj chek ikWfylh cSad vius NksVh vk; okys etnwj Js.kh ds fdlkuksa ds dY;k.k ds fy, djrh gSA ekLVj ikWfylh chek daiuh ds ikl lqjf{kr jgrh gS] chek ikWfylh ds fu;e o 'krsZa chek daiuh NksVs chek /kkjdksa dks izsf"kr ugha djrh gSA mRrjokfnuh dz-&1@ifjokfnuh ds ifr v'kksd dqekj lkgw dk pkyw [kkrk mRrjoknh dz -&2@fo:) i{kdkj dz-&2 ds cSad esa Fkk ftlesa ls mRrjokfnuh dz-&1@ifjokfnuh ds ifr us izhfe;e jkf'k dk vkgj.k dj vihykFkhZ@fo:) i{kdkj dz-&1 dks Hkqxrku fd;k FkkA mRrjokfnuh dz-&1@ifjokfnuh ds ifr dh e`R;q Ik'pkr~ mRrjokfnuh dz -&1@ ifjokfnuh }kjk e`R;q dh lwpuk ,oa chek nkok vkosnu izLrqr djus ij mRrjoknh dz-&2@fo:) i{kdkj dz-&2 }kjk nkok izdj.k dks ewyr% vihykFkhZ@fo:) i{kdkj dz-&1 chek daiuh dks izsf"kr dj fn;k x;k FkkA mRrjoknh dz-&2@fo:) i{kdkj dz-&2 }kjk lsok esa dksbZ deh ugha dh xbZ gSA mRrjokfnuh dz-&1@ifjokfnuh] mRrjoknh dz-&2@fo:) i{kdkj dz-&2 ls dksbZ vuqrks"k izkIr djus dh vf/kdkfj.kh ugha gSA vr% ifjokn fujLr fd;s tkus dk fuosnu fd;k x;k gSA 06- lacaf/kr ftyk vk;ksx us mRrjokfnuh dz-&1@ifjokfnuh 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 Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 6 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 07- vihykFkhZ@fo:) i{kdkj dz-&1 dh vksj ls milatkr gksus okys fo)ku vfHkHkk"kd Jh nhis'k FkokbZr dh vksj ls fyf[kr rdZ izLrqr dj ;g dFku fd;k gS fd mRrjokfnuh dz-&1@ifjokfnuh ds ifr Lo- v'kksd dqekj lkgw dk mRrjoknh dz-&2@fo:) i{kdkj dz-&2 ds ek/;e ls vihykFkhZ@fo:) i{kdkj dz-&1 ls vius fdlku dzsfMV dkMZ /kkjd fdlkuksa dk lewg nq?kZVuk chek fnukad&24-01-2014 ls fnukad&23-01-2015 rd dh vof/k ds fy, izkIr fd;k x;k Fkk ftldk ikWfylh dz-&4112&400301&13&5000029&00&000 Fkk ftlds varxZr chek/kkjd v'kksd dqekj lkgw dk 5]00]000@&¼ikap yk[k :Ik;s½ nq?kZVuk chek ds varxZr doj FkkA chek ikWfylh dh lafonk vkSj mldh laiw.kZ ckrsa mlh vuq:Ik ca/kudkjh gS tSls mldk izHkko o izknqHkkZo gSA chek/kkjd fnukad&26-07- 2014 dks VsªDVj pyk jgk Fkk rc VsªDVj dhpM+ esa Qalus ls fudkyus ds nkSjku VsªDVj dk pDdk chek/kkjd v'kksd dqekj lkgw ds mij p<+ x;k ftlls chek/kkjd dh e`R;q gks xbZA vihykFkhZ@fo:) i{kdkj dz-&1 dks chek/kkjd ds e`R;q dh tkudkjh fnukad&26-11-2014 dks izkIr gqbZ rc vihykFkhZ@fo:) i{kdkj dz-&1 }kjk fnukad&28-11-2014 dks nq?kZVuk ls lacaf/kr izFke lwpuk izfrosnu] MªkbZfoax ykbZll sa ,oa iklcqd dh ekax dh xbZ ,oa fnukad&23-12-2014] 22-01-2015 ,oa fnukad&06-02-2015 dks Lej.k&i= Hkh izsf"kr fd;k x;k] fdarq mDr nLrkost izkIr ugha gq, rFkk nq?kZVuk dh lwpuk 04 ekg foyac ls nh xbZ gS tks fd chek ikWfylh dh 'krksZa dk mYya?ku gksus ds dkj.k mRrjokfnuh dz-&1@ ifjokfnuh dk chek nkok fnukad&24-04-2015 dks fujLr dj mldh lwpuk mRrjokfnuh dz-&1@ifjokfnuh dks izsf"kr dh xbZ gS ftlesa fdlh izdkj ls lsok esa deh ugha gS] fdarq mDr rF;ksa dh vuns[kh dj ekuuh; ftyk vk;ksx }kjk =qfViw.kZ vkns'k ikfjr fd;k x;k gS tks fLFkj j[ks tkus ;ksX; ugha gSA vr% vihy Lohdkj dj lacaf/kr ftyk vk;ksx }kjk ikfjr vkns'k dks vikLr fd;s tkus dk fuosnu fd;k x;k gSA Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 7 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 08- mRrjokfnuh dz-&1@ifjokfnuh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh jkts'k oekZ dh vksj ls fyf[kr rdZ izLrqr dj lacaf/kr ftyk vk;ksx }kjk ikfjr vkns"k dk leFkZu djrs gq, vihy vikLr fd;s tkus dk fuosnu fd;k gSA mRrjokfnuh dz-&1@ifjokfnuh dh vksj ls vius rdZ ds leFkZu esa Rajendra Singh Vs. Life Insurance Corporation of India 2014(3) CPR 267 (NC), Road Safety Club Pvt. Ltd. & Anr. Vs. Pila Yellamma & Ors. II (2018) CPJ 46 (AP), First Appeal No. 1740/2019 Sadhna Agrawal Vs. United India Insurance Company Limited, decided on-27.09.2023, Daddys Developers & Builders Vs. Kannan II (2012) CPJ 305 (NC), Revision Petition No. 735 of 2018 Liberty Videocon General Insurance Company Ltd. Vs. Uma Bai Dhankar, Decided on.11.06.2023 ,oa bl vk;ksx }kjk vihy dz-&,Q,@2015@459 fycVhZ fofM;ksdku tujy ba';ksjsl a daiuh fyfeVsM fo:) Jherh :ik ckbZ ,oa ,d vU; esa ikfjr vkns'k fnukad&-01-2016 dk voyacu fy;k gSA 09- mRrjoknh dz-&2@fo:) i{kdkj dz-&2 dh vksj ls milatkr gksus okyh fonq"kh vf/koDrk Jherh fuosfnrk feJk dh vksj ls fyf[kr rdZ izLrqr dj lacaf/kr ftyk vk;ksx }kjk ikfjr vkns'k dk leFkZu djrs gq, vihy vikLr fd;s tkus dk fuosnu fd;k gSA 10- geus mHk;i{k ds fo}ku vfHkHkk"kdx.k ds rdZ Jo.k fd, rFkk lacaf/kr ftyk vk;ksx }kjk izdj.k dzekad&lhlh@2015@446 esa ikfjr vkns'k fnukad&30-11-2023 ,oa ewy vfHkys[k dk voyksdu fd;kA 11- izdj.k esa ;g rF; vfookfnr gS fd mRrjokfnuh dz-&1@ifjokfnuh ds ifr Lo- v'kksd dqekj lkgw dk vihykFkhZ@fo:) i{kdkj dz-&1 }kjk fdlku dzsfMV dkMZ ds rgr lewg O;fDrxr nq?kZVuk chek ikWfylh fnukad&24-01-2014 ls fnukad&23-01-2015 rd dh vof/k ds fy, fd;k x;k Fkk ftldk ekLVj Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 8 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 ikWfylh dz-&4112&400301&13&5000029&00&000 ,oa chfer jkf'k& 5]00]000@&¼ikap yk[k :Ik;s½ Fkh tks fd izn'kZ vksih 1&6 ls izekf.kr gSA ;g rF; Hkh vfookfnr gS fd chek/kkjd v'kksd dqekj lkgw fnukad&26-07-2014 dks VsªDVj pyk jgk Fkk rc VsªDVj dhpM+ esa Qalus ls fudkyus ds nkSjku VsªDVj esa nc tkus ls chek/kkjd v'kksd dqekj lkgw dh e`R;q gks xbZ ftlds laca/k esa izFke lwpuk izfrosnu fnukad&26-07-2014 Fkkuk Nqfj;k ftyk jktukanxkao esa ntZ fd;k x;k gS tks fd izn'kZ&ih 5 ,oa izn'kZ vksih 1 izn"kZ&8 ls izekf.kr gSA ;g rF; Hkh vfookfnr gS fd mRrjokfnuh dz-&1@ ifjokfnuh }kjk vius ifr dh e`R;q mijkar chek nkok mRrjoknh dz-&2@fo:) i{kdkj dz-&2 ds ek/;e ls vihykFkhZ@fo:) i{kdkj dz-&1 ds le{k izFke lwpuk izfrosnu] e`R;q izek.k&i= rFkk 'ko ijh{kk izfrosnu dh dkih ds lkFk izLrqr dh Fkh tks izn'kZ ih&2 ls izekf.kr gSA 12- vihykFkhZ@fo:) i{kdkj dz-&1 dh vksj ls mRrjokfnuh dz-&1@ ifjokfnuh dk chek nkok foyac ls lwpuk fn;s tkus ,oa okafNr nLrkost miyC/k ugha djk;s tkus ds vk/kkj ij fnukad&24-04-2015 dks fujLr fd;k x;k gS tks fd izn'kZ ih&11 ls izekf.kr gSA chek/kkjd v'kksd dqekj lkgw fnukad&26-07- 2014 dks VsªDVj pyk jgk Fkk rc VsªDVj dhpM+ esa Qalus ls VsªDVj dks [ksr ls ckgj fudkyus ds nkSjku VsªDVj dk nksuksa pDdk tSls gh p<+k vkSj VsªDVj iyV x;k ftlls pkyd dh VsªDVj esa nc tkus ls e`R;q gks xbZ ftlds laca/k esa fnukad&26-07-2014 dks gh Fkkuk Nqfj;k] ftyk jktukanxkao esa izFke lwpuk izfrosnu izn'kZ&ih 5 ,oa vksih 1 izn"kZ&8 ntZ djk;k x;k gS rFkk mRrjokfnuh dz-&1@ifjokfnuh dh vksj ls mRrjoknh dz-&2@fo:) i{kdkj dz-&2 ds ek/;e ls vihykFkhZ@fo:) i{kdkj dz-&1 ds le{k chek nkok izLrqr fd;k x;k gSA bl izdkj Li'V gS fd mRrjokfnuh dz-&1@ifjokfnuh }kjk ?kVuk dh lwpuk Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 9 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 vfoyac fnukad&26-07-2014 dks gh iqfyl Fkkuk Nqfj;k ftyk jktukanxkao esa nh tk pqdh gSA ,slh fLFkfr esa chek daiuh mRrjokfnuh dz -&1@ifjokfnuh ds chek nkos dks foyac ls lwpuk fn;s tkus ds vk/kkj ij [kkfjt ugha dj ldrh gSA bl laca/k esa ekuuh; loksZPp U;k;ky; us flfoy vihy uacj&1069@2022 tSuk daLVªD"ku daiuh fo:) fn vksfj,aVy ba";ksjsl a daiuh fyfeVsM ,oa vU; vkns"k fnukad&11-02-2022 dh dafMdk&9 esa ;g fu/kkZfjr fd;k gS fd& "9. In the opinion of the Court the afore-stated ratio of the judgment clinches the issue involved in the case on hand. In the instant case also, the FIR was lodged immediately on the next day of the occurrence of theft of the vehicle by the complainant. The accused were also arrested and charge- sheeted, however, the vehicle could not be traced out. Of course, it is true that there was a delay of about five months on the part of the complainant in informing and lodging its claim before the Insurance Company, nonetheless, it is pertinent to note that the Insurance Company has not repudiated the claim on the ground that it was not genuine. It has repudiated only on the ground of delay. When the complainant had lodged the FIR immediately after the theft of the vehicle, and when the police after the investigation had arrested the accused and also filed challan before the concerned Court, and when the claim of the insured was not found to be not genuine, the Insurance Company could not have repudiated the claim merely on the ground that there was a delay in intimating the Insurance Company about the occurrence of the theft." blh izdkj ekuuh; loksZPp U;k;ky; us xqjf"kanj flax fo:) Jhjke tujy ba";ksjl sa daiuh fyfeVsM ,oa vU; 2020 ¼11½ ,l- lh- lh- 612 dh dafMdk&20 esa ;g fu/kkZfjr fd;k gS fd& "20. We, therefore, hold that when an insured has lodged the FIR immediately after the theft of a vehicle occurred and when the police after investigation have lodged a final report after the vehicle was not traced and when the surveyors/investigators appointed by the insurance company have found the claim of the theft to be genuine, then mere delay in intimating the insurance company about the occurrence of the theft cannot be a ground to deny the claim of the insured." 13- vihykFkhZ@fo:) i{kdkj dz-&1 dh vksj ls fycVhZ fofM;ksdku xzqi ilZuy ,DlhMsVa ikWfylh&ekLVj ikWfylh "ksM~;wy ,oa mlds fu;e&"krZ vksih1 izn"kZ&6 izLrqr fd;k x;k gS ftlds ikVZ&3 tujy ,DlDywtu dh dafMdk&3 mi dafMdk&(vi) esa ;g mYysf[kr gS fd& Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 10 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 "Part III: General Exclusions PROVIDED ALWAYS THAT the Company shall not be liable under this Policy for-
1. ..........
2. ...........
3. ............
(vi) driving any vehicle without a valid driving licence;"
vihykFkhZ@fo:) i{kdkj dz-&1 dh vksj ls ftyk lgdkjh dsanzh; cSad e;kZfnr] jktukanxkao dks fnukad&28-11-2014] 23-12-2014] 22-01-2015 ,oa 06-02- 2015 dks i= izsf'kr dj chek /kkjd ds MªkbZfoax ykbZalasl dh ekax dh xbZ gS] fdarq mlds ckotwn Hkh mRrjokfnuh dz-&1@ifjokfnuh }kjk vius ifr v"kksd dqekj lkgw dk MªkbZfoax ykbZlsl a is"k ugha fd;k x;k vkSj u gh bl izdj.k esa is"k fd;k x;k gS] tcfd chek/kkjd v'kksd dqekj lkgw }kjk fnukad&26-07-2014 dks VsªDVj dk pkyu fd;k tk jgk Fkk rc VsªDVj dhpM+ esa Qalus ls [ksr ls fudkyus ds nkSjku VsªDVj dk nksuksa pDdk tSls gh p<+k vkSj VsªDVj iyV x;k ftlls chek/kkjd v'kksd dqekj lkgw VsªDVj esa nc x;k vkSj mldh e`R;q gks xbZ] fdarq nq?kZVuk fnukad dks chek/kkjd v"kksd dqekj lkgw ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlasl ugha Fkk tks fd chek ikWfylh dh "krksZa dk mYya?ku gS ftlds dkj.k mRrjokfnuh dz-&1@ifjokfnuh dk chek nkok fujLr dj vihykFkhZ@fo:) i{kdkj dz-&1 }kjk lsok esa dksbZ deh ugha dh xbZ gS] fdarq mDr rF;ksa dh vuns[kh dj lacfa /kr ftyk vk;ksx }kjk =qfViw.kZ vkns"k ikfjr fd;k x;k gS tks fd fLFkj j[ks tkus ;ksX; ugha gSA bl laca/k esa ekuuh; jk'Vªh; vk;ksx }kjk Liberty General Insurance Ltd. (Earlier Known as Liberty Videocon General Insurance Co. Ltd.) V. Pranali Popat Suryavanshi decided on 10 April, 2019 dh dafMdk&10 esa ;g fu/kkZfjr fd;k x;k gS fd& "10. For the reasons stated hereinabove. I hold that in the event of death of the insured himself, in an accident at the time he is driving a vehicle without holding a valid and effective Driving License, no benefit under such a policy Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 11 of 12 Appeal No. Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Laxmi Bai & Anr-. Order Pronounced FA/2024/201, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Hira Bai & Anr. On- 06.11.2024 FA/2024/202, Liberty Videocon General Ins. Co. Ltd. Vs. Smt. Urmila Bai & Anr.--. FA/2024/203 would be available. Had the accident resulted in death of someone other than the insured himself, or had he himself not been driving the vehicle, the position would have been entirely different. But, where the insured himself is driving a vehicle without possessing a valid Driving License and the vehicle meets with an accident resulting in his death, no benefit under such a policy would be available."
14- mRrjokfnuh dz-&1@ifjokfnuh dh vksj ls ftu U;k; n`'Vkarksa dk voyacu fy;k x;k gS muds rF; bl izdj.k ds rF;ksa ls fHkUu gksus ds dkj.k mudk ykHk mRrjokfnuh dz-&1@ifjokfnuh dks ugha feyrk gSA 15- vr% vihykFkhZ@fo:) i{kdkj dz-&1 dh vksj ls izLrqr vihy dzekad&,Q,@2024@201] ,Q,@2024@202 ,oa ,Q,@2024@203 Lohdkj dh tkrh gS ,oa lacaf/kr ftyk vk;ksx }kjk ifjokn izdj.k dzekad& lhlh@2015@446] lhlh@2015@444 ,oa lhlh@2015@447 esa ikfjr vkns'k fnukad&30-11-2023 vikLr fd;k tkrk gSA ifj.kke Lo:Ik mRrjokfnuh dz-&1@ ifjokfnuh dk ifjokn fujLr fd;k tkrk gSA mHk;i{k vihy dk O;; Lo;a ogu djsx a sA ¼ U;k;ewfrZ xkSre pkSjfM+;k ½ ¼ izeksn dqekj oekZ ½ v/;{k lnL;
Prononced On- 06th November 2024 Appeal Nos. FA/2024/201, FA/2024/202 & FA/2024/203 Allowed Page 12 of 12