State Consumer Disputes Redressal Commission
M/S Jay Bhagwati Polymers Company vs United India Insurance Company Limited on 24 September, 2021
jktLFkku jkT; vk;ksx] t;iqj ifjokn la[;k 84@2018 fu.kZ; fnukad 24 flrEcj] 2021 jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj ifjokn la[;k %& 84@2018 eSllZ t; Hkxorh iksyhelZ dEiuh] irk H-1-2203, jhdks baMfLVª;y ,fj;k] Vksd a jksM] lhrkiqjk] t;iqj tfj;s izksijkbZVj Jh nkSyrjke ;kno ifjoknh cuke 01- ;qukbZVsM bf.M;k ba';ksjsal daiuh fyfeVsM] eaMyh; dk;kZy;&2] Vh-ih-
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mifLFkr %& ifjoknh vf/koDRkk Jh fouksn 'kekZ foi{kh vf/koDrk Jh 'kqHke vjksMk+ fu.kZ; fnukad 24 flrEcj] 2021 jktLFkku jkT; vk;ksx] t;iqj }kjk Jh ,l0ds0 tSu] lnL; ¼U;kf;d½ 01- ifjoknh QeZ us foi{khx.k ds fo:) bl vk;ksx esa fnukad 07 twu] 2018 dks ,d ifjokn&i= bu rF;ksa dk izLrqr fd;k fd ifjoknh 1 jktLFkku jkT; vk;ksx] t;iqj ifjokn la[;k 84@2018 fu.kZ; fnukad 24 flrEcj] 2021 QeZ us viuh QSDVªh ds fy, u;h e'khusa [kjhnus ds fy, foi{kh la[;k 3 dsujk cSad ls ekg ebZ 2015 esa 12 yk[k :i;s dk _.k rFkk Working capital isVs 10 yk[k :i;s _.k Lohd`r djok;k FkkA foi{kh la[;k 1 o 2 chek daiuh ls IykUV ,oa e'khujh ds fy, 12 yk[k : rFkk LVkWd ds fy, 12 yk[k :i;s dk chek djok;k FkkA fnukad 17-06-2016 dks ifjoknh dh QSDVªh esa vkx yx x;h eky ,oa e'khujh ty x;h ftldh fjiksVZ iqfyl esa djok;h x;h] Qk;j fcxzsM cqykdj vkx cq>k;h x;h rFkk chek daiuh dks Hkh lwpuk nh x;hA chek dEiuh ds losZ;j us fnukad 17-06-2016 dks ifjoknh dh QSDVªh dk fujh{k.k fd;k QksVksxzk¶l fy, ,oa crk;k fd lkeku cqjh rjg ty x;k gS mUgksusa LVkWd dk gh uqdlku vkadfyr fd;k D;ksa fd chek daiuh }kjk xyrh ls dsoy LVkWd dk gh chek tkjh fd;k x;k Fkk tks ckn esa cSad }kjk fy[ks tkus ij nq:Lr fd;k x;k rFkk foi{kh chek daiuh us iqu% losZ;j fu;qDr dj IykUV ,oa e'khujh ds uqdlku dk vkadyu Hkh djok;k gS tks fjiksVZ fnukad 27-09- 2017 dh gSA ifjoknh ds vuqlkj fnukad 29-09-2016 dh losZ fjiksVZ esa dsoy ek= 65 gtkj :i;s dk uqdlku ekuk x;k rFkk IykUV ,oa e'khujh ds isVs 3]47]860@&:- dk uqdlku ekuk x;kA foi{khx.k chek dEiuh us 3]99]890@&:- tfj;s Neft ifjoknh ds cSad [kkrs eas Hkqxrku dj fn;k fdUrq ifjoknh us mDr jkf'k dks Lohdkj ugha fd;k gSA ifjoknh ds vuqlkj djhc 22 yk[k :i;s dk uqdlku gqvk gS] blfy, 18]00]020@& {kfriwfrZ dk vuqrks"k pkgk x;kA blds vykok ifjoknh us {kfrxzLr eky QsDVªh esa iM+s gksus ds dkj.k 24 eghus eghus dk fdjk;k 1]20]000@&:-
rFkk yscj pktZ ds 20]000@&:- ,oa ekufld larki isVs 5]00]000@&:-
,oa ifjokn O;; isVs 1]00]000@&:- fnyok;s tkus dk fuosnu fd;k gSA 02- foi{kh la[;k 1 o 2 us tokc ifjokn&i= izLrqr dj ;g fy[kk gS fd Lora= losZ;j dh fjiksVZ ds vk/kkj ij vkdafyr jkf'k dk Hkqxrku ifjoknh dks dj fn;k x;k gSA ifjoknh }kjk u;h e'khusa [kjhnus dk tks ,LVhesV ftu QeksZa dk izLrqr fd;k x;k Fkk muesa ls dklyhoky bathfu;fjax oDlZ rFkk T;ksfr bathfu;fjax oDlZ ds TIN No vfLrRo esa ugha ik;s x;s rc fjis;j ds vk/kkj ij losZ;j }kjk viuh fjiksVZ cukrs gq, IykUV ,oa e'khujh ds uqdlku dk vkadyu fd;k tkdj leLr jkf'k dk Hkqxrku ifjoknh dks dj fn;k x;k gSA bl izdkj mUgksuas ifjokn&i= 2 jktLFkku jkT; vk;ksx] t;iqj ifjokn la[;k 84@2018 fu.kZ; fnukad 24 flrEcj] 2021 [kkfjt fd;s tkus dk fuosnu fd;k gSA 03- ifjoknh dh vksj ls Lo;a ifjoknh nkSyrjke ;kno dk 'kiFk&i= rFkk foi{khx.k dh vksj ls vfyUn dqekj losZ;j ,oa mi izcU/kd Jh 'kadj 'kekZ ds 'kiFk&i= izLrqr fd;s x;sA 04- mHk; i{k dh vksj ls fofHkUu nLrkost izLrqr fd;s x;s ftudk vko';drkuqlkj foospu fd;k tk;sxkA 05- gLrxr izdj.k esa ;g rF; fooknjfgr gS fd ifjoknh us vius LVkWd dk 12 yk[k :i;s rFkk IykUV ,oa e'khujh dk 12 yk[k :i;s dk chek foi{kh chek daiuh ls 14-08-2015 ls 13-08-2016 rd dh vof/k ds fy, djok;k gS rFkk bl chfer vof/k esa fnukad 17-06-2016 dks ifjoknh dh QSDVªh esa vkx yxh gSA Jh vkfyUn dqekj losZ;j us viuh losZ fjiksVZ fnukad 29-09-2016 ds i`"B la[;k 4 ij "Nature & Extent of Damage" ds dkWye esa fuEufyf[kr rF; of.kZr fd;s gS %& Several stocks stored &/or lying common wall and near to door & window got badly damaged / deshaped / melt by glowing heat while several part of machine were also found melt / damaged.
mijksDr rF;ksa ls ;g Li"V gksrk gS fd ?kVuk ds fnu tc losZ;j }kjk ekSds ij tkdj ns[kk x;k rc e'khu ds cgqr lkjs ikVZ~l xys gq, rFkk {kfrxzLr ik;s x;sA 06- foi{khx.k dh vksj ls dklyhoky bathfu;fjax oDlZ rFkk T;ksfr bathfu;fjax oDlZ QeksZ ds TIN No vfLrRo esa gksuk ugha ik;s x;s] ftudk Ldzhu 'kksV Hkh i=koyh ij izLrr fd;k x;k gSA ;|fi dqN eghuks ckn bu nksuksa QeksZ ds TIN No vfLrRo esa ik;s tkuk ifjoknh }kjk lkfcr fd;k x;k gS fdUrq tc foi{kh chek daiuh ds losZ;j us IykUV ,oa e'khujh ds uqdlku ds fy, iqu% ifjoknh dh QSDVªh tkdj tkWap dh gS rc mUgksuas viuh fjiksVZ esa bu e'khuksa ds uqdlku dks ejEer ds vk/kkj ij vkdafyr fd;k gS ifjoknh us Sonal Automation Industries dh vksj ls e'khuksa dh ejEer dk ,LVhesV izLrqr fd;k gS ftls foi{kh chek daiuh ds losZ;j us viuh fjiksVZ esa vk/kkj cuk;k gSA ;g ,LVhesV 11]40]000@&:- dk gS] fdUrq losZ;j us viuh fjiksVZ esa PLC Controller dh jkf'k 1]25]000@& Wiring charge dh jkf'k 35]000@&:- rFkk Heaters & tharmocopers dh jkf'k 28]000@&:-3
jktLFkku jkT; vk;ksx] t;iqj ifjokn la[;k 84@2018 fu.kZ; fnukad 24 flrEcj] 2021 dks viuh fjiksVZ esa 'kkfey ugha fd;k gS rFkk bu rhuksa ds vkxs "Safe" fy[k fn;k gS tc fd ;fn e'khu ty xy x;h Fkh rFkk {kfrxzLr gks x;h Fkh rc ,slh e'khuksa dh ejEer djrs le; mlesa ok;fjax pktZ dh jkf'k ugha yxh] ;g ekus tkus ;ksX; ugha gSA blh izdkj "Pet Preform Mold" e'khu dh ejEer ds rgr~ Insert ( Core, cavity, piller bush) ds isVs 2]50]000@&:- dh jkf'k dks fcuk fdlh vk/kkj ds 2]25]000@&:- dj fn;k x;k rFkk blh izdkj dzekad 5 ij vafdr Cooling Tower dh jkf'k 65]000@&:- dks de djds 50]000@&:- fy[k fn;k x;k gSA Sonal Automation Industries ds ,LVhesV esa 38]000@&:- yscj pktZ ds yxk;s x;s ftls Hkh losZ;j }kjk viuh fjiksVZ esa ugha tksM+k x;k gS rFkk bu lc ckrksa dk dksbZ Li"Vhdj.k losZ;j us viuh fjiksVZ esa ugha fn;k gSA bl izdkj ge ;g ikrs gS fd tc losZ;j us Sonal Automation Industries ds ,LVhesV ds vk/kkj ij viuh losZ fjiksVZ cuk;h gS rc dkQh fcUnqvksa dh jkf'k;ksa dks 'kkfey ugha djus dk dksbZ dkj.k ugha crk;k gS blfy, bl fcUnq ij losZ;j dh fjiksVZ dks mfpr ugha ekuk tk ldrk rFkk ;g ekuk tkrk gS fd Sonal Automation Industries us ifjoknh dh e'khuksa dh ejEer dk tks ,LVhesV 11]40]000@&:- fn;k gS] og ekus tkus ;ksX; gSA blds vykok Motto Tech Enterprises ls dwfyax VkWoj 65]000@&:- esa rS;kj djok;k x;k mls Hkh 11]40]000@&:- esa tksM+s tkuk U;k;ksfpr gSA bl izdkj ejEer isVs Hkh uqdlku tksM+k tkosa rc og 12]05]000@&:- curk gSA 07- losZ;j }kjk IykUV ,oa e'khujh ds ckjs esa uqdlku dk vkadyu djrs le; viuh fjiksVZ esa ;g ekuk gS fd dqN e'khuksa ds Lis;j ikVZ~l dh Life 10 o"kZ gksrh gS rFkk dqN consumable vk;Ve dh vk;q 5 o"kZ gksrh gS blfy, mUgksuas Plastics Injection Molding Machine dh Life 10 o"kZ ekudj 10 izfr'kr izfr o"kZ dh nj ls 4 o"kZ ds 40 izfr'kr Depreciation de fd;k gS rFkk Preform Molds e'khu dh Life 5 o"kZ ekudj izfr o"kZ ds fglkc ls 20 izfr'kr Depreciation de fd;k gS rFkk vf/kdre 50 izfr'kr Depreciation ekurs gq, 50 izfr'kr jkf'k de dh gSA foi{kh chek daiuh ds losZ;j dk ;g ekuuk gS fd mDr e'khu fiNys 4 o"kksZ ls dke esa yh tk jgh gS] 4 o"kZ dk Depreciation dkVk x;k gS] bl ckjs esa ifjoknh dh vksj ;s ;g cgl dh x;h gS fd ifjoknh 4 jktLFkku jkT; vk;ksx] t;iqj ifjokn la[;k 84@2018 fu.kZ; fnukad 24 flrEcj] 2021 us o"kZ 2015 esa gh cSad ls u;h e'khu [kjhnus gsrq _.k izkIr fd;k gS] blfy, orZeku e'khu dks 4 o"kZ iqjkuh gksuk ugha ekuk tk ldrk fdUrq ifjoknh us vius ifjokn i= ds lkFk bu e'khuksa ds [kjhn dk dksbZ fcy izLrqr ugha fd;k gS rFkk vius ifjokn&i= esa ;g Hkh ugha fy[kk gS fd mlds }kjk u;h e'khu [kjhnh x;h gks rFkk ;fn [kjhnh x;h rc dc fdruh jkf'k esa [kjhnh x;hA ifjoknh }kjk foi{kh la[;k 3 cSad ls fy;s x;s _.k lacaf/kr nLrkostkr Hkh izLrqr ugha fd;s x;s gSA bl izdkj gLrxr izdj.k esa ;g Li"V ugha gks ldrk fd ifjoknh us mDr e'khu dc [kjhnh vFkkZr~ mDr e'khu fdruh iqjkuh gSA 08- gLrxr izdj.k esa e'khuksa dks ns[kdj gh budh orZeku dher ds vk/kkj ij foi{kh chek dEiuh us IykUV ,oa e'khujh ds fy, 12 yk[k :i;s dk chek fd;k gS rFkk mDr e'khujh ds ty tkus ds dkj.k fjis;j ,LVhesV ds vk/kkj ij uqdlku dk vkadyu fd;k gS vFkkZr~ ,slk ugha gS fd ifjoknh dks u;h e'khu [kjhnus dh dher dks ns[krs gq, uqdlku dk vkadyu fd;k x;k gksA ifjoknh dh e'khu ;fn iqjkuh Hkh Fkh rc Hkh ty tkus ls mldh ejEer ds ,LVhesV ds vk/kkj ij uqdlku dk vkadyu fd;k x;k gS] blfy, fd;s x;s vkadyu esa ls fofHkUu izd kj dk Depreciation de ugha fd;k tk ldrk rFkk foi{kh chek daiuh ds losZ;j us tks 40 izfr'kr rFkk 50 izfr'kr Depreciation de fd;k x;k gS] og fuf'pr :i ls xyr gSA 09- I (2021) CPR (NC) 683 Oriental Insurance Co. Ltd. Vs. Vijay Kumar J. Mehta 1 (2021) CPR (NC) 515 Oriental Insurance Co. Ltd. and anr. Vs. Himachal Pharmaceuticals Ltd.
1 (2021) CPR (NC) 192 North India Coating Pvt. Ltd. Vs. M/s. United India Insurance Company Limited izLrqr fd;s x;s rhuksa U;kf;d n`"VkUrksa esa ;g crk;k gS fd losZ;j }kjk yksftd rFkk lgh vk/kkj rFkk lko/kkuhiwoZd fjiksVZ rS;kj dh x;h gS rc mls ugha ekuuk xyr gSA 10- fdUrq gLrxr izdj.k esa tSlk fd Åij foospu fd;k x;k gS 5 jktLFkku jkT; vk;ksx] t;iqj ifjokn la[;k 84@2018 fu.kZ; fnukad 24 flrEcj] 2021 mlds vuqlkj IykUV ,oa e'khujh dk losZ djrs le; losZ;j us e'khujh ds dqN ikVZ~l dh lwph dks ugha tksM+k gS] yscj pktZ ugha tksM+k gS rFkk ejEer ds vk/kkj ij mudk vkdayu djus ij Hkh Depreciation dkVk x;k gS tks fd mijksDr foospukuqlkj xyr gS rFkk ;g ekuk tkrk gS fd losZ;j us IykUV ,oa e'khujh dk losZ djrs le; vFkok jkf'k dk vkdayu djrs le; yksftd ,oa i;kZIr lko/kkuh ugha cjrh gS vr% rhuksa U;kf;d n`"VkUr foi{kh chek daiuh dh dksbZ lgk;rk ugha djrs gSA 11- foi{kh chek daiuh dh vksj ls ekuuh; jk"Vªh; miHkksDrk vk;ksx ds fu.kZ; 3 (2020) CPR (NC) 275 Sheetal Medicare Products Pvt.
Ltd. Vs. New India Assurance Co. Ltd. and Anr. rFkk 1 (2019) CPJ (NC) 166 Bharti Singh Rathor Vs. Oriental Insurance Co. Ltd. and Ors. izLrqr fd;s x;s ftuesa ;g crk;k x;k fd ;fn ifjoknh ds fcy QthZ ik;s tkrs gS rc ifjoknh dks {kfriwfrZ ugha nh tkuh pkfg,A bl ckjs esa fo)ku vf/koDrk foi{kh chek daiuh dk ;g rdZ gS fd dklyhoky bathfu;fjax oDlZ rFkk T;ksfr bathfu;fjax oDlZ ds ,LVhesV ifjoknh us izLrqr fd;s gS fdUrq muds Tin No vfLrRo esa gksuk ugha ik;k x;k blfy, QthZ fcyksa dks ns[krs gq, ifjoknh dks {kfriwfrZ ugha fnyok;h tkuh pkfg,A bl ckjs esa fopkj djus ,oa i=koyh ds voyksdu ls ;g ik;k tkrk gS fd ifjoknh us dqN fnuksa ckn mDr nksuksa QeksZ ds Tin No vfLrRo esa gksus ds Ldzhu 'kksV izLrqr dj fn;s gSA foi{kh chek daiuh }kjk fu;qDr fd;s x;s losZ;j us mDr nksuksa QeksZ dks ekdsZV esa ryk'k Hkh ugha fd;k gS ,slh fLFkfr esa foi{kh chek daiuh dh vksj ls izLrqr mDr nksuksa U;kf;d n`"VkUr gLrxr izdj.k ij ykxw ugha gksrs s gSA 12- mijksDr foospukuqlkj ifjoknh ds IykUV ,oa e'khujh dk uqdlku 12]05]000@&:- lkfcr gqvk gS fdUrq chek 12]00]000@&:- dk gh gS] blfy, IykUV ,oa e'khujh ds uqdlku ds isVs 12]00]000@&:- ls vf/kd jkf'k ugha fnyok;h tk ldrhA bl jkf'k esa ls Hkh ikfylh Depreciation ds isVs 5 izfr'kr jkf'k vFkkZr~ 60]000@&:- dh jkf'k de fd;k tkuk Hkh mfpr gSA vr% ifjoknh 11]40]000@&:- IykUV ,oa e'khujh ds isVs izkIr djus dk vf/kdkjh gS losZ fjiksVZ LVkWd vkfVZdy ds uqdlku isVs 6 jktLFkku jkT; vk;ksx] t;iqj ifjokn la[;k 84@2018 fu.kZ; fnukad 24 flrEcj] 2021 rS;kj dh x;hA ;|fi ifjoknh us bls Lohdkj ugha fd;k gS fdUrq ;g Hkh ugha crk;k gS fd blesa fdl izdkj dh xyrh gS rFkk bls D;ksa ugha Lohdkj fd;k tkosaA vr% gekjh jk; esa LVkWd ds uqdlku isVs 64]568@&:- 25 iSls dh jkf'k vkdafyr dh x;h gS og lgh gSA bl izdkj ifjoknh foi{khx.k ls 12]04]568@&:- 25 iSls izkIr djus dk vf/kdkjh gS ftlesa ls Lohd`r :i ls foi{khx.k us ifjoknh dks 3]99]890@&:- dk Hkqxrku dj fn;k gSA vr% mDr jkf'k de fd;s tkus ij 8]04]678@&:- 25 iSls ifjoknh foi{khx.k ls vc izkIr djus dk vf/kdkjh gSA vkns'k 01- ifjoknh QeZ }kjk izLrqr ifjokn foi{kh la[;k 1 o 2 chek dEiuh ds fo:) Lohdkj fd;k tkrk gSA foi{kh chek daiuh] ifjoknh dks fu.kZ; esa mfYyf[kr x.kuk ds vk/kkj ij 8]04]678@&:- 25 iSls ¼ vkB yk[k pkj gtkj N% lkS vBgRrj :i;s 25 iSls ½ {kfriwfrZ jkf'k rFkk bl jkf'k ij ifjokn&i= izLrqr djus dh fnukad 07 twu] 2018 ls rk olwyh 9 izfr'kr okf"kZd nj ls C;kt vnk djsxh 02- foi{kh chek dEiuh ifjoknh dks ekufld larki isVs 1]00]000@&:- ¼ ,d yk[k :i;s ½ dh jkf'k rFkk ifjokn O;; isVs 50]000@&:- ¼ ipkl gtkj :i;s ½ dh jkf'k bl izdkj dqy 1]50]000@&:- ¼ ,d yk[k ipkl gtkj :i;s ½ vkns'k fnukad 24 flrEcj] 2021 ls nks ekg ds vUnj vnk djsxh rFkk bl vof/k esa vnk u fd;s tkus ij ifjoknh dks bl jkf'k ij vkns'k fnukad 24 flrEcj] 2021 ls rk olwyh 9 izfr'kr okf"kZd nj ls C;kt Hkh nsxhA ¼ jkeQwy xqtZj ½ ¼ ,l0ds0 tSu ½ lnL; lnL; ¼U;kf;d½ @ikBd@ 7 jktLFkku jkT; vk;ksx] t;iqj ifjokn la[;k 84@2018 fu.kZ; fnukad 24 flrEcj] 2021 8