State Consumer Disputes Redressal Commission
Manjeet Kaur Bhatia vs B.M , The Oriental Insurance Co. Ltd. on 18 October, 2019
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh vkj-ds-Hkkoukuh ] vf/koDrk A mRrjoknh dh vksj ls lqJh ch-,l-dkafr ] vf/koDrk A vkns'k fnukad % 18@10@2019 }kjk%&ekuuh; Jhefr :fp xks;y ]lnL;k vihykfFkZuh@ifjokfnuh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] // 2 // jktukanxkao ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&235@2018 esa ikfjr vkns'k fnukad&12-06-2019 ftlds }kjk ifjokfnuh ds ifjokn dks vLohdkj fd;k x;k gS ] ls nqf[kr gksdj izLrqr dh gS A 02- ifjokfnuh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjokfnuh ds uke ij VkVk ,y-ih-Vh-Vªd okgu Øekad&lh-th- 08 ,y-&1757 gS ] tks gSoh xqM~l osdy dh Js.kh esa vkrk gS A mDr okgu ifjokfnuh ds thfodksiktZu dk ,dek= tfj;k gS A okgu dk fnukad&25-01-2018 dks ,DlhMsaV gks x;k Fkk A okgu vukosnd ds ikl chfer gksuk Lohd`r rF; gS A ?kVuk fnukad dks mDr okgu dks okgu pkyd fparkuan pyk jgk Fkk rFkk okgu esa daMDVj Hkh lokj Fkk A okgu dk fQVusl fnukad&18-01-2017 ls fnukad&05-02-2018 rd ds fy, izHkko'khy Fkk A eky ;ku ds fy, ijfeV Hkh fnukad&02-01-2022 rd ds fy, fof/kekU; jgh gS A okgu ?kVuk fnukad dks ikWfylh Øekad&192502 @31@2017@17105 oS/krk fnukad&31-01-2017 ls fnukad&31-01-2018 rd jgh gS A okgu dk vf/kdre chek ewY; vFkkZr vkbZ-Mh-Ogh- 11]25]000@& fu/kkZfjr jgk gS A ?kVuk fnukad&25-01-2018 dks okgu dks pkyd fparkuan pyk jgk Fkk ] ftldk yk;lsal Øekad lh-th-08 20130009930 VªkaliksVZ Js.kh ds fy, fnukad&19-04-2019 rd oS/k ,oa izHkko'khy jgk gS A fnukad&25-01-2018 dks fcVs>j 'ksjikVu ekxZ ds chp xksVkVksyk ij tks fd nYyh&ekuiwj tkus okyh lM+d ij xksVkVksyk ekxZ // 3 // ls 17-30 cts fcVs>j dh vksj ls Vªd Øekad&lh-th-08 ,y-1757 dks rsth o ykijokghiwoZd pykdj okgu pkyd lnkuan us cjxn ds isM+ ls Vdjk;k ] ftlls pkyd fparkuan dh ekSds ij gh e`R;q gks x;h rFkk vU; O;fDr ?kk;y gks x;k A ?kVuk dks ysdj vijk/k Øekad&03@18 Fkkuk [kMxkao ftyk jktukanxkao esa fnukad&25-01-2018 dks /kkjk 279] 337 ] 304 , Hkk-n-fo-ds rgr~ ntZ fd;k x;k A ?kVuk esa Vªd cqjh rjg {kfrxzLr gks x;k rFkk yxHkx 12 yk[k dk uqdlku gksuk crk;k x;k A ifjokfnuh }kjk ?kVuk o uqdlkuh dh lwpuk chek daiuh dks iznku fd;k x;k ] ftl ij chek daiuh }kjk uqdlkuh dk Dyse uacj 192@31@2018@000557 ntZ fd;k x;k rFkk ifjoknh ds okgu dks VksVy ykWl gksuk ekU; dj rn~laca/kh QkesZYVh Hkh djk;k x;k gS rFkk nkok fuiVkjk tYnh gh dj fn;s tkus dk vk'oklu Hkh fn;k x;k Fkk A chek daiuh }kjk fnukad&08-10-2018 dks ifjokfnuh dk nkok izdj.k bl vk/kkj ij fujLr djus dh lwpuk fn;k x;k fd okgu pkyd fparkuan nq?kZVuk ds le; u'ks esa ik;k x;k tks chek ikWfylh dh 'krZ dk mYya?ku gksus ds dkj.k nkok fujLr fd;k tkrk gS A ifjoknh o vukosnd ds e/; Øe'k% miHkksDrk o lsok iznkrk dk laca/k gS A vukosnd }kjk nkok fujk/kkj rjhds ls fujLr dj lsok esa deh dh gS ] ftlls ifjokfnuh dks Hkkjh ekufld larki ,oa vkfFkZd {kfr gqbZ gS A] ftlds dkj.k ifjokfnuh dks ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkos A // 4 // 03- ftyk Qksje ds le{k vukosnd dk fyf[kr dFku bl izdkj jgk gS fd ifjokn&i= ds vfHkopuksa dks vLohdkj fd;k x;k gS A fofufnZ"V rkSj ij ;g dgk x;k gS fd ifjokfnuh ds okgu Øekad& lh-th- 08 ,y- &1757 dks ?kVuk ds le; ifjokfnuh dk okgu pkyd fparkuan pyk jgk Fkk A nq?kZVuk ds le; pkyd fparkuan ds ikl oS/k o izHkko'khy vuqKfIr ugha Fkh okgu pkyu ds nkSjku fparkuan }kjk u'kk fd;k x;k Fkk ftlds dkj.k okgu ij ls mldk fu;a=.k ugha jgk vkSj nq?kZVuk ?kfVr gks x;h A ifjokfnuh }kjk ?kVuk dh lwpuk nsus ds mijkar bl vukosnd }kjk LFky tkap gsrq losZ;j fu;qDr dj ?kVuk dh tkap djok;h x;h o okgu pkyd ds iksLVekVZe fjiksVZ ds vk/kkj ij okgu pkyd ds u'ks esa gksus ds vk/kkj ij nkok fujLr fd;k x;k A D;ksafd nq?kZVuk dk dkj.k ykijokghiwoZd okgu pkyu gksus ls okgu isM+ ls Vdjk x;k A ftlesa okgu pkyd dh ekSds ij gh e`R;q gks x;h ifjokfnuh bl vukosnd ls dksbZ Hkh {kfriwfrZ izkIr djus dh vf/kdkfj.kh ugha gS A vr% ifjokfnuh dk nkok fujLr djus dk fuosnu fd;k x;k gSA 04- ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lwph vuqlkj nLrkost izLrqr fd;k x;k gS A 05- vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lwph vuqlkj nLrkost izLrqr fd;k x;k gS A // 5 // 06- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ifjokfnuh ds ifjokn dks vLohdkj fd;k gS ] ftlds fo:) ;g vihy gSA 07- vihykfFkZuh@ifjokfnuh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj-ds-Hkkoukuh dk ;g rdZ gS fd ftyk Qksje }kjk ikfjr vkns'k esa fof/k ,oa rF; dh Hkwy dh xbZ gS A ftyk Qksje }kjk bl rF; dh vuns[kh dh x;h gS fd Qksje ds le{k bl ckr dk dksbZ lk{; ugha Fkk fd ifjokfnuh ds okgu pkyd ds }kjk 'kjkc dk lsou fd;k x;k gS A Qksje ds }kjk iksLVekVZe fjiksVZ esa vYdksgy dh xa/k ds vk/kkj ij fu"d"kZ fn;k x;k gS A Qksje ds le{k bl ckr dk Hkh izek.k izLrqr ugha fd;k x;k gS fd ,Ydksgy fdruh ek=k esa ik;k x;k A ftyk Qksje ds }kjk mijksDr rF;ksa dh foospuk fd;s cxSj vkns'k ikfjr fd;k x;k gS A ftyk Qksje ds }kjk vius vkns'k dh dafMdk&10 esa ;g fu"d"kZ nsuk fd izn'kZ&ih&4 ds nLrkost esa ,Ydksgfyd Lesy ds rF; ij fo'okl djus dk dFku fd;k x;k gS A Qksje ds }kjk jkT; vk;ksx ds }kjk vihy izdj.k Øekad&356@06 fn vksfj,aVy ba';ksjsal daiuh fo- Jhefr jSuh ckbZ esa ikfjr vkns'k fnukad&29-06-2006 ij vfo'okl djrs gq, fof/k fo:) vkns'k ikfjr fd;k x;k gS A ftyk Qksje us tks fu"d"kZ fn;k gS ] og fof/k fo:) gS ,oa vkyksP; vkns'k vikLr fd;s tkus ;ksX; gS A vr% vihykFkhZ@vukosnd dh vihy Lohdkj dh tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkos A vihykfFkZuh@ifjokfnuh }kjk // 6 // vius i{k leFkZu esa Revision Petition No 3983/2013 M.Raja Gangu Vs Branch Manager , LIC OF INDIA Order Dated-21.01.2015 (State Commission Andhra Pradesh) , Revision Petition No 2481/2013 United India Insurance Co. Ltd Vs Sheela & 3 Ors , Order Dated-06.02-2013 (State Commission Kerala) , Revision Petition No 2482/2013 , United India Insurance Co. Ltd & Ors Vs Sheela & 3 Ors , Order Dated- 06-02-2013 (State Commission Kerala) , United India Insurance Co. Ltd Vs Sheela & Ors SLP (C) No. 26971&26792/2014 , Order Dated- 13-10-2014 (Suprem Court) , Revision Petition No 3934 /2013 Bajaj Allianz General Insurance Co. Ltd Vs Achala Rudranwas Marde Order Dated-01-12-2014 (State Commission (Maharashtra), Appeal No.FA/2018/620 , United India Insurance Co. Ltd Vs Smt Adhniya Bai & Ors, Order dated 11-09-2018 (Order passed by this Commission) , Complaint Case No. CC/2016/16 , Harishankar Commercial Private Ltd Vs The Oriental Insurance Co. Ltd , Order dated-29-10-2016 (Order passed by this Commission) ds U;k; n`"Vkarksa dk voyacu fy;k x;k gS A 08- mRrjoknh @vukosnd dh vksj ls milatkr gksus okyh fonq"kh vf/koDrk lqJh ch-,l-dkafr us fyf[kr rdZ izLrqr dj ;g rdZ fd;k gS fd iz'uk/khu okgu pkyd ds }kjk 'kjkc lsou fd;k x;k Fkk ] ftlds dkj.k nq?kZVuk dkfjr gqbZ gS ] tks fd chek dh 'krksZa dk mYya?ku gksus ds dkj.k ifjokfnuh fdlh Hkh izdkj dh vuqrks"k izkIr djus dh vf/kdkfj.kh ugha gS A fnukad& 25-01-2018 dks Mªkbzoj }kjk rsth ls vkSj vlko/kkuhiwoZd xkM+h pykrs gq, nq?kZVuk dkfjr gqbZ Fkh ] ftlds dkj.k // 7 // MªkbZoj ij Hkkjrh; n.M lafgrk dh /kkjk&279 , 337 , 304 A ds varxZr vijk/k Hkh ntZ gqvk Fkk A mDr MªkbZoj dh e`R;q ?kVukLFky ij gh gks x;h Fkh A izFke lwpuk fjiksVZ rFkk vafre izfrosnu esa MªkbzZoj }kjk xkM+h dks rsst ,oa vlko/kkuhiwoZd pyk;s tkus dk mYys[k gS rFkk 'ko ijh{k.k fjiksVZ esa MªkbZoj ds vYdksgfyd LeSy gksus dk mYys[k gS ] tks fd chek ikWfylh dh 'krksZa dk mYya?ku gS ] ftlds dkj.k gh vukosnd chek daiuh }kjk nkos dks fujLr dj lsok esa deh ugha dh xbZ gS A ftyk Qksje us tks vkns'k fn;k gS ] og iw.kZr% mfpr gS A mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gS ] mls ;Fkkor~ j[kk tkos A vr% vihykFkhZ }kjk izLrqr vihy fujLr dh tkos A mRrjoknh }kjk vius i{k leFkZu esa Royal Sundaram General Insurance Co. Ltd & anr Vs Davubhai Babubhai Ravaliya (IV (2018) CPJ 375 (NC) & Case No C-48/09 Pearl Beverages Pvt Limited Vs Iffco Tokio Gic Order dated-19-07-2013 (State Commission Delhi) ds U;k; n`"Vkarksa dk voyacu fy;k x;k gS A 09- geus mHk;i{kksa ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;k A 10- izdj.k esa Lohd`r rF; gS fd okgu Øekad& lh-th- 08 ,y-&1757 vukosnd chek daiuh ds ikl fnukad&31-01-2017 ls 31-01-2018 rd chfer Fkk A nq?kZVuk gksus ds rF; dks vukosnd }kjk Li"Vr% badkj ugha // 8 // fd;k x;k gS A vukosnd chek daiuh ds }kjk chek nkok fuEu dkj.k ls fujLr fd;k x;k Fkk %& ^^mDr nkok ds lan HkZ es a dk;kZy ; }kjk tka p djk;k x;k A tka p fjiksV Z es a ik;k x;k fd nq? kZV uk ds le; okgu pkyd fpa r kuan ,oa tkfdj [kku u'ks dh gkykr es a Fks A izkIr 'ko ijh{k.k fjiks V Z es a Hkh ,YdkgkW f yd dk gksu k ik;k x;k gS A tks chek ikW f ylh ds 'krks Za dk mYya? ku gS A mDr dkj.k ls D;ks a u vkidk nkok fujLr fd;k tkos A** 11- izLrqr izdj.k ds lexz ifj'khyu ds Ik'pkr~ ;g fopkj.kh; iz'u mn~Hkwr gksrk gS fd D;k vihykfFkZuh@ifjokfnuh ds }kjk chek ikWfylh dh 'krksZa dk mYya?ku fd;k x;k Fkk \ bldk fujkdj.k fuEukuqlkj fd;k tk jgk gSA 12- ifjokfnuh dh vksj ls ;g rdZ fn;k x;k fd ifjokfnuh ds okgu pkyd ds }kjk chek 'krksZa dk mYya?ku ugha fd;k x;k gS A ifjokfnuh ds okgu pkyd ds }kjk vYdksgy fdruh ek=k esa yh xbZ gS ] bldk dksbZ mYys[k ugha gS ] dsoy vYdksgfyd LeSy ds vk/kkj ij nkos dks fujLr dj lsok esa deh dh xbZ gS A ftyk Qksje }kjk bl rF; dh vuns[kh Hkh dh xbZ gS fd ekuuh; Qksje ds le{k bl ckr dk izek.k izLrqr ugha fd;k x;k gS fd fdruh ek=k esa ,Ydksgy ik;k x;k A bl laca/k esa dksbZ Hkh fo'ks"kK lk{; vukosnd }kjk izLrqr ugha fd;k x;k gS A blls izekf.kr ugha gksrk gS fd ifjokfnuh ds MªkbZoj ds }kjk vYdksgy dk lsou dj okgu pyk;k tk jgk Fkk A ekuuh; Qksje ds }kjk vYdksgy dh xa/k // 9 // ds vk/kkj ij tks fu"d"kZ fudkyk x;k gS ] og fof/kiw.kZ ugha gksus ls vikLr fd;s tkus ;ksX; gS A 13- mRrjoknh ds }kjk ;g rdZ fn;k x;k gS fd ifjokfnuh ds Mªk;oj }kjk u'ks dh gkykr esa xkM+h pykdj chek dh ewyHkwr 'krksZa dk mYya?ku fd;k x;k gS ] ftlds dkj.k ;g nkok fujLr fd;k x;k Fkk A mDr okgu pkyd ds 'ko ijh{k.k fjiksVZ esa Hkh vYdksgfyd LeSy gksuk ik;k x;k gS rFkk izFke lwpuk fjiksVZ ,oa vafre izfrosnu esa rsth ls ,oa ykijokghiwoZd xkM+h pykus dk mYys[k gS A 14- gekjs }kjk izLrqr nLrkostksa dk ifj'khyu fd;k x;k A ifjokfnuh }kjk izLrqr izn'kZ lh&1 nkok fujLrh izi= gS ] ftlesa chek daiuh }kjk nq?kZVuk ds le; okgu pkyd ,oa tkfdj [kku u'ks dh gkykr esa Fks rFkk 'ko ijh{k.k esa Hkh vYdksgfyd gksuk ik;k x;k ] tks fd chek 'krksZa dk mYya?ku gS ] blfy, nkok fujLr fd;k x;k Fkk A 15- chek dh 'krZ Øekad& 2 (c) fuEu gS %& "any accidental loss or damage suffered whilst the insured or any person driving with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs."
16. ifjokfnuh ds }kjk izLrqr vafre izfronsu ¼izn'kZ &lh&2½ rFkk izFke lwpuk fjiksVZ ¼izn'kZ lh&3½ ] mDr nksuksa gh fjiksVZ esa rsth ls ,oa // 10 // ykijokghiw.kZ xkM+h pykus dk mYys[k gS ] fdarq u'ks esa xkM+h pykus dk dksbZ mYys[k ugha fd;k x;k gS A ifjokfnuh }kjk izLrqr izn'kZ lh&7 lqijokbZtj dk c;ku gS A mDr c;ku esa Hkh xkM+h rsth ,oa ykijokghiwoZd pykus dk mYys[k gS A 17- vukosnd }kjk izLrqr izn'kZ vks-ih-&4 iksLVekVZe fjiksVZ gS A mDr iksLVekVZe fjiksVZ esa isV ,oa mlds Hkhrj Alcohalic smell and semidigest food gksus dk mYys[k gS rFkk mDr fjiksVZ esa fpfdRld ds er esa e`R;q gksus dk dkj.k nq?kZVuk crk;k x;k gS A mDr fjiksVZ esa dgha ij Hkh vYdksgy dh ek=k dk mYys[k ugha gS A vukosnd chek daiuh }kjk pkyd 'kjkc ds u'ks esa okgu pyk jgk Fkk ] bls vk/kkjHkwr chek 'krksZa dk mYya?ku ekudj laiw.kZ nkok fujLr fd;k gS ] fdarq vukosnd chek daiuh }kjk ,sls fjiksVZ ;k lk{; izLrqr ugha fd;k x;k ] ftls ;g Kkr gks fd okgu pykrs le; pkyd u'ks dh gkyr esa Fkk A dsoy vYdksgfyd LeSy ds vk/kkj ij chek daiuh us nkok iw.kZr% fujLr dj fn;k ] tks fd mfpr ugha gS A ifjokfnuh ds Mªk;oj }kjk rsth ls ykijokghiwoZd okgu pykdj rFkk ,Ydksgy dk lsou dj fuf'pr~ :i ls chek 'krksZa dk mYya?ku fd;k x;k gS ] fdarq ifjokfnuh }kjk chek ikWfylh dh fdlh Hkh ewyHkwr lqfo/kkvksa dk mYya?ku ugha fd;k x;k gS ] D;ksafd chek daiuh dh 'krksZa ds vuqlkj influence of intoxicating liquor or drugs fy[kk gS rFkk 'ko ijh{k.k fjiksVZ ds vk/kkj ij ;g ugha dgk tk ldrk fd Mªk;oj u'ks dh gkykr (influence of liquor) esa Fkk ] ftlds dkj.k ;g nq?kZVuk dkfjr gqbZ // 11 // gS A vukosnd }kjk dsoy vYdksgfyd LeSy ds vk/kkj ij iw.kZ nkok fujLr dj lsok esa deh dh xbZ gS A vukosnd dks ewyHkwr 'krksZa dk mYya?ku u gksus dh n'kk esa ifjokfnuh ds nkos dks vekud vk/kkj ij fu/kkZj.k fd;k tkuk pkfg, Fkk A gekjs erkuqlkj ] ifjokfnuh mDr izdj.k esa vekud vk/kkj ij {kfriwfrZ ikus dh vf/kdkfj.kh gS A 18- mRrjoknh @vukosnd }kjk izLrqr U;k; n`"Vkarksa ds rF; mDr izdj.k ds rF;ksa ls fHkUu gS ] blfy, mUgsa U;k; n`"Vkarksa dk ykHk ugha fn;k x;k gS A 19- vc vkxs ;g ns[kuk gS fd ifjokfnuh fdl lhek rd {kfriwfrZ ikus dh vf/kdkfj.kh gS \ 20- ekuuh; loksZPp U;k;ky; }kjk Amalendu Sahoo (Supra) esa izfrikfnr U;kf;d fl}kar tks fd dafMdk&14] 15 vkSj 16 esa gS] bl izdkj lqyHk lanHkZ gsrq m|`r gS%& "14. In this connection reference may be made to a decision of National Commission in the case of New India Assurance company Limited v. Narayan Prasad Appaprasad Pathak, reported in II (2006) CPJ 144 (NC). In that case also the question was, whether the insurance company can repudiate the claims in a case where the vehicle carrying passengers and the driver did not have a proper driving licence and met with an accident. While granting claim on non-standard basis the National Commission set out in its judgment the guidelines issued by the insurance company about settling all such non-standard claims. The said guidelines are set out below:
Sr. Description Percentage of settlement
// 12 //
No.
(i) Under declaration of Deduct 3 years' differene in
licensed carrying capacity premium from the amount of
claim or deduct 25% of claim
amount, whichever is higher.
(ii) Overloading of vehicles Pay claims not exceeding 75 % of
beyond licensed carrying admissible claim. capacity
(iii) Any other breach of Pay upto 75% of admissible warranty/condition of claim.
policy including limitation as to use.
15. From a perusal of the aforesaid guidelines it is clear that one of the cases where 75% claim of the admissible claim was settled was where condition of policy including limitation as to use was breached.
16. In the instant case the entire stand of the insurance company is that claimant has used the vehicle for hire and in the course of that there has been an accident. Following the aforesaid guidelines, this Court is of the opinion that the insurance company cannot repudiate the claim in toto."
21 - Kesar Vs United India Insurance Co. Ltd vide order dated 29 September 2000 (NC) esa izfrikfnr U;kf;d fl}kar tks fd dafMdk&5] 6 ]7 vkSj 8 esa gS] bl izdkj lqyHk lanHkZ gsrq m|`r gS%& 5- The types of calims which can be settle as non-standard under the guidelines are set out hereunder :
"Non-standard Claims Following types of claims shall be considered as non- standard and shall be settled as indicated below after recording the reasons :
// 13 // Sr No. Description Percentage of settlement
i) Under declaration of Deduct 3 years difference in Licensed carrying capacity premium from the amount of claim or deduce 25% of claim amount whichever is higher .
ii) Overloading of vehicles Pay claims not exceeding 75% of beyond licensed carrying admissible claim capacity.
iii) Any other breach of Pay upto 75% of admissible claim.
warranty/condition of policy including limitation As to use.
For breach of warranty/conditions which do not involve any saving in premiums or any additional exposure to the insures such claims be considered as Standard Claims eg . Route Permit"
6- This Commission had also dealt with the settlement of certain claims as non-standard claims in the case of Poly Mat India Pvt Ltd . and Anr Vs National Insurance Co. Ltd and others reported as 2000 CCJ 64 . There , in that case , the plea was as to whether a particular claims was covered by the policy when a part of the factory fell outside the Factory shed . After examining the facts , this Commission has come to the conclusion that it could be settled as a non-standard claim at 75%.
7- In the case of Ashok gangadhar Maratha Vs Oriental Insurance Co. Ltd reported in (1999) 4 LRI 1049 what was required to be proved was the use of the vehicle as the given moment . In the present case , there is no evidence whatsoever on record about the use to which the vehicle was put at // 14 // the time of its disappearance . In any event , there is nothing on record to show that the vehicle was at the material time being plied as a taxi with the consent of the owner .
8- In the light of the above discussion , we feel that the State Commission was not justified in upsetting the decision of the District Forum . Accordingly , the impugned order is set aside , but keeping in view the aforesaid discussion , it is directed that the claim of the Petitioner be settled by the insurer at 75% i.e. 75% of 80,000/- ie Rs 60,000. Keeping in view such long delay in affording relief to the original owner , we are not inclined to disturb the award of Rs 5,000/- as compensation and Rs 1000/- as costs. We are . however , not inclined to retain the rate of interest at 18% . We think that the ends of justice will be met if the rate of interest is fixed at 12% per annum simple . Ordered accordingly . However , in view of the peculiar facts and circumstances of this case , there will be no order as to costs in this Revision Petition . The revision petitions is disposed of in the above terms . 22- ekuuh; loksZPp U;k;ky; ,oa ekuuh; jk"Vªh; vk;ksx us vekud vk/kkj ij {kfriwfrZ fnyk;h x;h gS A {kfriwfrZ jkf'k Lohd`r nkos ds 75% rd gks ldrh gS A orZeku izdj.k esa Mªk;oj ds }kjk vYdksgy dk lsou fd;k x;k Fkk ] rHkh 'ko ijh{k.k fjiksVZ esa vYdksgfyd xa/k dk mYys[k gS A mDr izdj.k esa okgu Mªk;oj }kjk rssth ls ,oa vlko/kkuhiwoZd pyk;k tk jgk Fkk ] ftldk mYys[k izFke lwpuk fjiksVZ ] vafre izfrosnu ,oa lqijokbZtj ds c;ku esa gS rFkk ifjokfnuh }kjk vius ifjokn&i= esa mDr rF; tkucw>dj Nqik;s x;s Fks A ,slh fLFkfr esa ] chek nkos dh // 15 // laiw.kZ jkf'k dk 75% fnyk;k tkuk mfpr ugha gksxk A ekuuh; loksZPp U;k;ky; us Hkh Amlendu Sahoo (Supra) esa ek= 50% jkf'k vekud vk/kkj ij {kfriwfrZ fnyk;h Fkh A ge Hkh ] orZeku izdj.k esa losZ;j fjiksVZ ¼izn'kZ vks-ih-&3½ esa okgu dh {kfriwfrZ jkf'k dk 50% jkf'k vekud vk/kkj ij nsuk mfpr ikrs gSa A losZ;j }kjk {kfr dk vkadyu :-
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