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Rajasthan High Court - Jaipur

Hdfc Ergo General Insurance Com Ltd vs Premchand And Ors on 21 September, 2023

Author: Ashutosh Kumar

Bench: Ashutosh Kumar

[2023:RJ-JP:22691]

        HIGH COURT OF JUDICATURE FOR RAJASTHAN
                    BENCH AT JAIPUR

            S.B. Civil Miscellaneous Appeal No. 6399/2016
Hdfc Ergo General Insurance Company Limited, Through Local
Branch, Third Floor, Upasana Tower, C-Scheme, Jaipur Having Its
Regional Office At N-22, Second Floor, Sector-18, Noida-201301
Through Its Constituted Attorney
                                                                    ----Appellant
                                    Versus
1.       Premchand S/o Kanaram, R/o Plot No. 70, Gali No. 7,
         Kacchi Basti, 22 Godam, Jaipur
2.       Manju Devi W/o Premchand, R/o Plot No. 70, Gali No. 7,
         Kacchi Basti, 22 Godam, Jaipur
3.       Priyanka W/o Late Hanuman, R/o Plot No. 70, Gali No. 7,
         Kacchi Basti, 22 Godam, Jaipur
4.       Gyarsi Devi W/o Kanaram, R/o Plot No. 70, Gali No. 7,
         Kacchi Basti, 22 Godam, Jaipur
5.       Chandrakanta D/o Premchand, R/o Plot No. 70, Gali No.
         7, Kacchi Basti, 22 Godam, Jaipur
6.       Sunita D/o Premchand, R/o Plot No. 70, Gali No. 7, Kacchi
         Basti, 22 Godam, Jaipur
7.       Nijamuddin S/o Baddu Khan, R/o Chobala Ki Dhani,
         Narena, Tehsil Phulera, District Jaipur. (Driver Cum
         Registered Owner Of Jeep No. RJ-21-UA-1894)
                                                                 ----Respondents

Connected With S.B. Civil Miscellaneous Appeal No. 1424/2017

1. Prem Chand S/o Shri Kanaram, R/o Plot No.70, Street No. 7, Kachchi Basti, 22 Godam, Jaipur Raj.

2. Smt Manju Devi W/o Shri Prem Chand, R/o Plot No.70, Street No. 7, Kachchi Basti, 22 Godam, Jaipur Raj.

3. Smt. Gyarsi Devi W/o Shri Kanaram, R/o Plot No.70, Street No. 7, Kachchi Basti, 22 Godam, Jaipur Raj.

4. Chandra Kanta D/o Shri Prem Chand, R/o Plot No.70, Street No. 7, Kachchi Basti, 22 Godam, Jaipur Raj.

5. Sunita D/o Shri Prem Chand, R/o Plot No.70, Street No. 7, Kachchi Basti, 22 Godam, Jaipur Raj.

----Appellants (Downloaded on 11/11/2023 at 08:13:48 PM) [2023:RJ-JP:22691] (2 of 8) [CMA-6399/2016] Versus

1. Nijamuddeen S/o Shri Baddu Khan, R/o Chaubla Ki Dhani, Narena, Tehsil Phulera, District Jaipur Raj. (Driver As Well As Owner Jeep No. RJ-21-UA-1894)

2. The H.d.f.c. Irgo General Insurance Comapny Limited, Regional Office Upasana Tower, Third Floor, Ahinsa Circle, C-Scheme, Jaipur Through Regional Manager.

----Respondents

3. Smt. Priyanka W/o Late Shri Hanuman, R/o Plot No. 70, Street No. 7, Kachchi Basti, 22 Godam, Jaipur Raj.


                                                    ---- Proforma Respondent


For Appellant(s)          :     Mr. Virendra Agarwal
For Respondents/          :     Mr. Sandeep Mathur
Claimants


            HON'BLE MR. JUSTICE ASHUTOSH KUMAR
                           Order

DATE OF RESERVED                       ::                           26/07/2023

DATE OF PRONOUNCEMENT ::                                            21/09/2023


1-    vihykaV@chek       daiuh         dh        vksj        ls     izLrqr    vihy

la[;k&6399@2016 ,oa nkokdrkZ@vihykFkhZ dh vksj ls izLrqr vihy la[;k&1424@2017] nksuksa nhokuh fofo/k vihysa /kkjk 173 eksVj okgu vf/kfu;e&1988 ds rgr U;k;ky; eksVj nq?kZVuk okn U;k;kf/kdj.k] lkaHkj ysd] ftyk t;iqj ¼ftls vkxs ^vf/kdj.k* ds uke ls lacksf/kr fd;k tk,xk½ }kjk Dyse ;kfpdk la[;k&162@2012] izsepan o vU; cuke futkeq)hu o vU; esa ikfjr fu.kZ; fnukad 08-09-2016 ds fo#) izLrqr dh xbZ gSA ftudk fuLrkj.k lqfo/kk dh n`f"V ls bl ,d fu.kZ; ds }kjk fd;k tk jgk gSA 2- [email protected] }kjk vf/kdj.k ds le{k] guqeku dh eksVj okgu nq?kZVuk esa e`R;q gks tkus ds QyLo:i dqy 79]80]000@& #i;s Dyse izkIr djus gsrq Dyse ;kfpdk izLrqr dh x;h FkhA vf/kdj.k }kjk mDr Dyse ;kfpdk esa ;kphx.k dks dqy 9]04]000@& #i;s dh {kfriwfrZ jkf'k e; C;kt (Downloaded on 11/11/2023 at 08:13:48 PM) [2023:RJ-JP:22691] (3 of 8) [CMA-6399/2016] 7-5 izfr'kr lkykuk dh nj ls fnyokbZ x;h gSA mDr vkns'k ls O;fFkr gksdj vihykaV chek daiuh dh vksj ls vihy la[;k&6399@2016 vf/kdj.k ds vkns'k dks fujLr djokus gsrq izLrqr dh x;h rFkk [email protected] }kjk fo}ku vf/kdj.k ds mDr vkns'k ls O;fFkr gksdj vihy la[;k&1424@2017 fo}ku vf/kdj.k }kjk ikfjr {kfriwfrZ jkf'k esa c<+ksrjh fd;s tkus gsrq izLrqr dh x;hA 3- vihy la[;k&6399@2016 ds laca/k esa nkSjkus cgl fo}ku vf/koDrk vihykaV chek dEiuh dk rdZ jgk fd gLrxr ekeys esa nq?kZVuk dks lkfcr djus ds fy, DysesaV~l dh vksj ls dksbZ p'enhn xokg is'k ugha fd;k x;k gSA fo}ku vf/koDrk vihykaV chek dEiuh dk ,d rdZ ;g Hkh rdZ jgk fd ekeys dh ,Q-vkbZ-vkj- ikap fnu foyEc ls ntZ djokbZ x;h gS tks ekeys dks lansgkLin cukrh gSA fo}ku vf/koDrk chek dEiuh dk ;g Hkh rdZ jgk fd oDr ?kVuk eksVjlkbZfdy ij rhu O;fDr lokj FksA bl izdkj {kerk ls vf/kd O;fDr cSBs gksus ds dkj.k eksVjlkbZfdy dk larqyu fcxM+ x;k vkSj nq?kZVuk ?kfVr gqbZ gSA thi la[;k&vkjts&21&;w ,&1894 ¼ftls vkxs iz'uxr okgu ds uke ls lacksf/kr fd;k tk,xk½ ds okgu pkyd ds fo#) vkjksi&i= is'k dj nsus ek= ls ;g ugha ekuk tk ldrk gS fd iz'uxr okgu pkyd gLrxr ekeys esa mis{kk dk nks"kh FkkA vr% iz'uxr okgu pkyd dks nks"kh ekurs gq, fo}ku vf/kdj.k }kjk =qfV dkfjr dh x;h gSA fo}ku vf/koDrk vihykaV chek dEiuh dk ;g Hkh rdZ jgk fd vf/kdj.k }kjk e`rd dh vk; esa 50 izfr'kr dh Hkfo";&o`f) dh tkdj =qfV dkfjr dh x;h gSA vr% mijksDr vk/kkjksa ij vihykaV chek dEiuh dh vksj ls izLrqr vihy Lohdkj dh tkdj fo}ku vf/kdj.k ds vkns'k dks vikLr fd;s tkus dh izkFkZuk dh x;hA 4- vihy la[;k&1424@2017 ds laca/k esa nkSjkus cgl fo}ku vf/koDrk [email protected] dk rdZ jgk fd fo}ku vf/kdj.k us oDr ?kVuk e`rd dh ekfld vk; 3]000@& #i;s de fu/kkZfjr dh gSA tcfd oDr ?kVuk e`rd 10]000@& #i;s dh vk; vftZr dj ysrk FkkA fo}ku (Downloaded on 11/11/2023 at 08:13:48 PM) [2023:RJ-JP:22691] (4 of 8) [CMA-6399/2016] vf/koDrk [email protected] dk ;g Hkh rdZ jgk fd vf/kdj.k }kjk dalksfVZ;e dh en esa Hkh vR;f/kd de jkf'k fnyokbZ x;h gS] ftuesa c<+ksrjh dh tkosA fo}ku vf/koDrk [email protected] dk ;g Hkh rdZ jgk fd vf/kdj.k }kjk {kfriwfrZ jkf'k ij C;kt Hkh cgqr de fnyok;k x;k gS] ftlesa c<+ksrjh dh tkosA mijksDr vk/kkjkas ij [email protected] dh vksj ls izLrqr vihy Lohdkj dh tkdj fo}ku vf/kdj.k }kjk ikfjr fu.kZ; dks la'kksf/kr fd;k tkdj {kfriwfrZ jkf'k esa c<+ksrjh fd;s tkus dh izkFkZuk dh x;hA 5- nksuksa i{kksa dh cgl lquh x;hA vihy i=kofy;ksa o fo}ku vf/kdj.k ds vfHkys[k dk voyksdu fd;k x;kA 6- tgka rd chek dEiuh dh vksj ls yh x;h vkifŸk fd gLrxr ekeys esa ?kVuk dh izFke lwpuk fjiksVZ ikap fnu foyEc ls ntZ djokbZ gS] ftl dkj.k ekeys dks lansgkLin ekuk tkos rks bl laca/k esa gekjk ekuuk ;g gS fd izFke lwpuk fjiksVZ esa ,slk foyEc ugha gS tks ekeys dks lansgkLin cuk nsA ekeys esa ntZ izFke lwpuk fjiksVZ ds mijkar leLr vkSipkfjd vuqla/kku fd;k x;k gSA ftlesa iz'uxr okgu Lokeh dks /kkjk 133 eksVj Oghdy ,DV ds rgr uksfVl fn;k x;k gS] okgu dks tCr fd;k x;k gS o okgu dk eSdsfudy eqvk;uk djok;k x;k gSA ekeys dh ?kVuk dks lkfcr djus ds fy, ,-MCY;w&2 txuyky p'enhn xokg ds :i esa vf/kdj.k ds le{k ijhf{kr gqvk gSA ftlus ?kVuk dh iqf"V dh gS rFkk iz'uxr okgu pkyd }kjk ykijokgh o mis{kkiw.kZ <ax ls okgu dks pykdj eksVjlkbZfdy ds VDdj ekjdj nq?kZVuk dkfjr djuk crk;k gSA mDr p'enhn xokg dh lk{; [kf.Mr ugha gks ldh gSA bu ifjfLFkfr;ksa esa fo}ku chek dEiuh dh vksj ls mBkbZ x;h ;g vkifŸk fd ekeys esa izFke lwpuk fjiksVZ foyEc ls ntZ djokbZ x;h gS] vr% ekeys dks lansgkLin ekuk tkos] ekus tkus ;ksX; ugha gSA 7- chek dEiuh dh vksj ls ,d rdZ ;g Hkh fy;k x;k gS fd eksVjlkbZfdy ij oDr ?kVuk rhu O;fDr lokj FksA {kerk ls vf/kd (Downloaded on 11/11/2023 at 08:13:48 PM) [2023:RJ-JP:22691] (5 of 8) [CMA-6399/2016] lokfj;ka cSBh gksus ds dkj.k eksVjlkbZfdy dk larqyu fcxM+us ls nq?kZVuk dkfjr gqbZ gSA ftlesa e`rd dh ;ksxnk;h mis{kk izekf.kr ekuh tkdj gh {kfriwfrZ fu/kkZfjr dh tkosA bl laca/k esa gekjk ekuuk ;g gS fd eksVjlkbZfdy ij rhu O;fDr cSBs gksus ek= ls ;g ugha ekuk tk ldrk gS fd eksVjlkbZfdy pkyd dk dksbZ fu;a=.k eksVjlkbZfdy ij ugha jgs vkSj eksVjlkbZfdy pkyd eksVjlkbZfdy ij fu;a=.k ugha cuk;s j[k ldk] bl dkj.k nq?kZVuk ?kfVr gqbZ gSA chek dEiuh dks viuh lk{; ls ;g fcUnq lkfcr djuk Fkk fd okLro esa {kerk ls vf/kd lokfj;ka cSBh gksus ds dkj.k eksVjlkbZfdy pkyd eksVjlkbZfdy ij larqyu cuk, ugha j[k ldkA bl dkj.k eksVjlkbZfdy pkyd dh Hkh ;ksxnk;h mis{kk bl ekeys esa jgh gSA bl laca/k esa bl U;k;ky; dk ekuuk ;g gS fd tc rd ;g rF; lkfcr ugha dj fn;k tkos fd nksifg;k okgu ij rhu lokjh cSBs gksus ls okgu dk larqyu fcxM+us ds dkj.k nq?kZVuk ?kfVr gqbZ gSA rc rd nksifg;k okgu ij rhu lokjh cSBus ek= ls nksifg;k okgu dh ;ksxnk;h mis{kk dk rF; izekf.kr ugha ekuk tk ldrkA vr% bl laca/k esa Hkh chek dEiuh dh vksj ls yh x;h vkifŸk fujLr dh tkrh gSA 8- tgka rd [email protected] dh vksj ls lafLFkr vihy dk iz'u gS rks gLrxr ekeys esa e`rd guqeku dks oDr ?kVuk 22 o"kZ dh vk;q dk gksuk crkrs gq, ekcZy fQfVax dk dk;Z dj 10]000@& #i;s izfrekg vk; vftZr djuk O;Dr fd;k x;k gSA fdUrq e`rd dh vk; ds laca/k esa dksbZ Bksl izek.k o lk{; [email protected] }kjk vf/kdj.k ds le{k izLrqr ugha dh x;h gSA vf/kdj.k us e`rd dh ekfld vk; 3]000@& #i;s ekurs gq, {kfriwfrZ fu/kkZfjr dh gSA ?kVuk dh frfFk dks n`f"Vxr j[krs gq, e`rd dks etnwj Js.kh esa j[kk tkdj mldh nSfud vk; U;wure etnwjh ds vk/kkj ij Hkh ns[kk tk, rks ?kVuk ds fnu e`rd dh nSfud vk; 147@& #i;s gksrh gSA rn~uqlkj ekfld vk; 4]410@& #i;s gksrh gSA fo}ku vf/kdj.k us e`rd dh mDr fu/kkZfjr vk; esa 50 izfr'kr dh Hkfo";&o`f) dh gS tks us'kuy ba';ksjsl a dEiuh fyfeVsM cuke iz.k; lsBh o vU;% ¼2017½ 16 ,l-

(Downloaded on 11/11/2023 at 08:13:48 PM)

[2023:RJ-JP:22691] (6 of 8) [CMA-6399/2016] lh-lh- 680 ds ekeys esa fu/kkZfjr ekun.M ds vuqlkj vf/kd gSA e`rd ds Lofu;ksftr O;olk;h gksus dks n`f"Vxr j[krs gq, e`rd dh fu/kkZfjr ekfld vk; 4]410@& #i;s esa 40 izfr'kr dh Hkfo"; dh o`f) fd;k tkuk visf{kr gSA 4]410@& #i;s dk 40 izfr'kr 1]764@& #i;s gksrk gSA mDr 40 izfr'kr jkf'k dks fu/kkZfjr ekfld vk; esa tksMs+ tkus ds mijkar e`rd dh dqy ekfld vk; 6]174@& #i;s gksrh gS tks vkfJr vk; ds {kfriwfrZ ds fu/kkZj.k dk vk/kkj jgsxhA 9- oDr ?kVuk e`rd ij dqy N% vkfJr gksuk crk;k x;k gSA ftuesa vihykFkhZ la[;k&1 o 2 e`rd ds ekrk&firk] vihykFkhZ la[;k&3 e`rd dh nknh o vihykFkhZ la[;k&4 o 5 e`rd ds NksVs HkkbZ&cfgu gSA Hkkjrh; lkekftd ifjos'k dks n`f"Vxr j[krs gq, NksVs HkkbZ&cfgu dks Hkh e`rd ij vkfJr gksuk ekuk tk ldrk gSA ,slh fLFkfr esa e`rd ds O;fDrxr [kpZ dh dVkSrh ds en eas 1@4 Hkkx dh dVkSrh fd;k tkuk visf{kr FkkA fo}ku vf/kdj.k }kjk Hkh vius fu.kZ; esa 1@4 Hkkx dh dVkSrh dh x;h gS tks mfpr izrhr gksrh gSA vr% 6]174@& #i;s dk 1@4 Hkkx 1544@& #i;s gksrk gS] ftls fu/kkZfjr ekfld vk; esa ls ?kVkus ds mijkar vkfJr vk; dh 'ks"k jkf'k 4]630@& #i;s gksrh gSA ljyk oekZ o vU; cuke nsgyh VªkaliksVZ dkWiksZjs'ku o vU; % ¼2009½ 6 ,l-lh-lh- 121 rFkk iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ds vk/kkj ij e`rd dh 22 o"kZ dh vk;q dks n`f"Vxr j[krs gq, 18 dk xq.kd yxk;k tkuk visf{kr gSA fo}ku vf/kdj.k }kjk Hkh vius fu.kZ; esa 18 dk xq.kd yxk;k x;k gS tks lgh gS] ftlesa ge dksbZ gLr{ksi fd;k tkuk mfpr ugha le>rs gSaA 10- rn~uqlkj [email protected] dks Hkfo"; esa gksus okyh vkfJr vk; dh dqy {kfr 4]630 x 12 x 18 = 10]00]080@& #i;s gksrh gS tks [email protected] izkIr djus ds vf/kdkjh gSaA 11- vf/kdj.k }kjk dalksfVZ;e dh en esa 1]50]000@& #i;s dh ,deq'r jkf'k leLr vihykFkhZx.k dks fnyokbZ x;h gSA nknk&nknh o HkkbZ&cfguksa dks dalksfVZ;e dh en esa {kfriwfrZ fnyok;s tkus dh dksbZ fof/k orZeku esa (Downloaded on 11/11/2023 at 08:13:48 PM) [2023:RJ-JP:22691] (7 of 8) [CMA-6399/2016] ykxw ugha gSA iz.k; lsBh ¼mijksDr½ ds ekeys esa dsoyek= ^^Likml dalksfVZ;e** o ;wukbZVsM bf.M;k bZa';ksjsal dEiuh fyfeVsM cuke lfrUnj dkSj mQZ lrfoUnj dkSj o vU;% nhokuh vihy uEcj&2705@2020 o vU; U;kf;d n`"Vkar esxek tujy ba';ksjsl a dEiuh fyfeVsM cuke ukuw jke mQZ pqg: jke o vU;% nhokuh vihy la[;k&9581@2018 ds ekeys esa Hkh ^^iSjs.Vy dalksfVZ;e** o ^^fQfy;y dalksfVZ;e** fnyok;s tkus dk fl)kUr izfrikfnr fd;k gSA bl laca/k esa ekuuh; mPpre U;k;ky; ds U;kf;d n`"Vkar iz.k; lsBh ¼mijksDr½] lfrUnj dkSj mQZ lrfoUnj dkSj ¼mijksDr½ o ukuw jke mQZ pqg: jke ¼mijksDr½ ds ekeyksa esa izfrikfnr fl)kUr ds vuqlkj ge] e`rd ds ekrk&firk vihykFkhZ la[;k&1 o 2 dks ^^fQfy;y dalksfVZ;e** dh en esa 40&40 gtkj #i;s dh jkf'k fnyok;k mfpr le>rs gSaA 12- fo}ku vf/kdj.k }kjk vafre laLdkj dh en esa 25]000@& #i;s dh jkf'k vihykFkhZx.k dks fnyokbZ x;h gS tks fd iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ds vuqlkj vf/kd gSA ftls ge la'kksf/kr fd;k tkuk mfpr le>rs gSaA vr% bl en esa ge iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ds vqulkj vihykFkhZx.k dks 15]000@& #i;s dh jkf'k fnyok;k tkuk mfpr le>rs gSaA 13- vf/kdj.k }kjk vihykFkhZx.k dks lEink dh gkfu ds en esa dksbZ jkf'k ugha fnyokbZ x;h gSA vr% bl en esa ge iz.k; lsBh ¼mijksDr½ ds ekeys esa izfrikfnr fl)kUr ds vqulkj vihykFkhZx.k dks 15]000@& #i;s dh jkf'k i`Fkd ls fnyok;k tkuk mfpr le>rs gSaA 14- mijksDr leLr foospu ds vk/kkj ij chek dEiuh dh vksj ls tks vihy lafLFkr dh x;h gS] mlesa fy;s x;s vk{ksi ekus tkus ;ksX; ugha gSaA vr% chek dEiuh dh vksj ls lafLFkr dh x;h vihy la[;k&6399@2016 vLohdkj dj [kkfjt dh tkrh gSA (Downloaded on 11/11/2023 at 08:13:48 PM) [2023:RJ-JP:22691] (8 of 8) [CMA-6399/2016] 15- mDrkuqlkj vihykFkhZx.k@DysesaV~l dh vksj ls lafLFkr dh x;h vihy la[;k&1424@2017 dks vkaf'kd :i ls Lohdkj fd;k tkdj vihykFkhZx.k fuEu izdkj ls {kfriwfrZ jkf'k izkIr djus ds vf/kdkjh gSa %& Øe 'kh"kZ@en vf/kdj.k }kjk bl fu.kZ; ds rgr la- fnyokbZ x;h jkf'k fu/kkZfjr dh x;h jkf'k 1- vkfJr vk; dh {kfr ds en esa 7]29]000@& 10]00]080@& 2- dalksfVZ;e ds en esa 1]50]000@& vihykFkhZ la[;k&1 o 2 dks 40]000@&#i;s] dqy 80]000@& 3- vafre laLdkj ds en esa 25]000@& 15]000@& 4- lEink dh gkfu ds en esa 'kwU; 15]000@& dqy 9]04]000@&#i;s 11]10]080@&#i;s 16- rnuqlkj ;g vihy vkaf'kd :i ls Lohdkj dh tkdj fo}ku vf/kdj.k }kjk ikfjr iapkV ftlds }kjk fd vihykFkhZx.k@DysesaV~l dks 9]04]000@& :i;s fnyok;s tkus dk vkns'k ikfjr fd;k x;k gS] ds LFkku ij 11]10]080@& :i;s dk iapkV ikfjr fd;k tkrk gSA pawfd ;g vihy e`rd ds ekrk&firk }kjk lafLFkr dh x;h gS rFkk e`rd dh iRuh dks izksQkekZ jsLiksaMVsa ds :i esa i{kdkj cuk;k x;k gSA e`rd dh iRuh dh vksj ls vf/kdj.k ds vkns'k ds fo#) dksbZ vihy izLrqr ugha dh x;h gSA bu ifjfLFkfr;ksa esa bl fu.kZ; ds }kjk tks {kfriwfrZ jkf'k c<+kbZ x;h gS] og jkf'k vihykFkhZx.k gh izkIr djus ds vf/kdkjh gSaA vihykFkhZx.k }kjk iwoZ esa izkIr dh x;h jkf'k dks iapkV jkf'k esa ls lek;ksftr fd;k tkdj 'ks"k jkf'k vihykFkhZx.k izkIr djus ds vf/kdkjh ik;s tkrs gSaA 17- bl vkns'k }kjk c<kbZ x;h {kfriwfrZ jkf'k ij ;kfpdk nk;j djus dh frfFk ls vihykFkhZx.k] 8 izfr'kr okf"kZd C;kt izkIr djus ds vf/kdkjh gSaA 18- rnuqlkj ;g vihysa fuLrkfjr dh tkrh gSA 19- lHkh yfEcr izkFkZuk&i=ksa dks Hkh mijksDrkuqlkj fuLrkfjr fd;k tkrk gSA (ASHUTOSH KUMAR),J LOKESH RAJ /64-65 (Downloaded on 11/11/2023 at 08:13:48 PM) Powered by TCPDF (www.tcpdf.org)