State Consumer Disputes Redressal Commission
Rameet Verma vs The New India Insurance Co.Ltd. on 4 March, 2017
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// 2 //
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ls nqf[kr gksdj izLrqr fd;k x;k gSA
2- vihykFkhZ ds ifjokn dks ftyk Qksje }kjk iwoZ esa fnukad 09-05-
2006 dks vkns'k ikfjr dj fujLr fd;k x;k FkkA ftlds fo:) ifjoknh
}kjk jkT; vk;ksx ds le{k vihy izLrqr dh xbZ FkhA jkT; vk;ksx }kjk
mDr vkns'k dks vikLr dj izdj.k fnukad 10-05-2007 dks vkns'k ikfjr
dj bl funsZ'k ds lkFk izfrizsf"kr fd;k Fkk fd mHk;i{k dks nLrkost is'k
djus dk volj iznku djrs gq, ekeys dk u, fljs ls xq.knks"k ds vk/kkj
ij fujkdj.k fd;k tkosA ftyk Qksje }kjk mHk;i{kksa dks leqfpr volj
iznku djus ds ckn fnukad 27-05-2016 dks ifjokn fujkd`r fd;k x;k]
ftlds fo:) ;g vihy izLrqr dh xbZ gSA
3- ifjoknh dk ifjokn la{ksi eas bl izdkj gS fd ifjoknh ds firk us
vius o vius ifjokj ds fy;s vukosnd chek daiuh ls esMhDyse ikWfylh
izkIr fd;k Fkk] ftldh oS/krk fnukad 12-03-2002 ls fnukad 11-03-2003
rd Fkh] bl nkSjku ifjoknh dks dqN fnukas rd esMhdy VªhVesaV ysuk
iM+k] ftldk esMhDyse ikWfylh ds rgr fnukad fnukad 03-10-2002 dks
23]271@&:- dk nkok ifjoknh }kjk vukosnd chek daiuh ds le{k is'k
// 3 //
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x;kA vr% vukosnd chek daiuh ds bl lsok esa deh ds fy;s ifjoknh us
;g ifjokn is'k djuk crk;k gS vkSj vukosnd chek daiuh ls ifjokn
i= dh dafMdk&8 esa of.kZr vuqlkj vuqrks"k fnyk;s tkus dk fuosnu
fd;k x;kA
4- ifjoknh }kjk ifjokn i= esa fd;s x;s vfHkdFku ds leFkZu esa
Lo;a dk 'kiFk i= fnukafdr 05-10-2004 rFkk lwph vuqlkj nLrkostks dh
QksVksizfr izLrqr fd;k gSA
5- vukosnd dh vksj ls ftyk Qksje ds le{k tokc izLrqr dj
vfHkdFku fd;k fd ifjoknh ds ifjokn dk fojks/k bl vk/kkj ij fd;k
x;k gS fd ifjoknh }kjk fnukad 26-04-2002 dks vLirky esa HkrhZ gksdj
bykt djkus dh lwpuk dkQh foyac ls 6 ekg ckn fnukad 03-10-2002
dks nh xbZ fQj Hkh muds }kjk Rofjr dk;Zokgh djrs gq, riu dqekj
xksLokeh dks vUos"kd fu;qDr dj ekeys dh tkap djk;k x;k] ftlus
ifjoknh ds ukSdj ccyw dksjh dk c;ku ysdj fnukad 06-11-2002 dks
viuk fjiksVZ is'k fd;k] ftlds vuqlkj] ifjoknh Lor% vius firk ls
fookn gksus ij dhVuk'kd nok dk lsou dj vkRegR;k djus dk iz;kl
fd;k] ftlds dkj.k gh ikWfylh 'krksZ ds mYya?ku esa ifjoknh dk nkok
Hkqxrku ;ksX; ugha FkkA vr% mldk fujkdj.k ;Fkk'kh?kz nks ekg ds Hkhrj
fnukad 03-12-2002 dks dj fn;k x;k vkSj bl izdkj muds }kjk lsok esa
dksbZ deh ugha dh xbZA mDr vk/kkj ij vukosnd dh vksj ls ifjoknh
dk ifjokn fujLr fd;s tkus dk fuosnu fd;k x;kA
6- vukosnd dh vksj ls vius tokcnkos ds leFkZu esa lwph vuqlkj
nLrkost izLrqr fd;k x;k gSA
// 4 //
7- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr vfHkopu ,oa nLrkosth
lk{;ksa ds ifj'khyu ds i'pkr~ ;g fu"d"kZ fudkyrs gq, fd
mRrjoknh@vukosnd chek daiuh }kjk vihykFkhZ@ifjoknh ds chek nkos
dks fujLr fd;k tkuk mfpr ugha gS] vkSj bl izdkj ekeys esa
mRrjoknh@vukosnd chek daiuh ds lsok esa deh ds rF; Li"V :i ls
izdV gksrk gSA tgka rd bl laca/k esa vihykFkhZ@ifjoknh dh vksj ls
mRrjoknh@vukosnd chek daiuh ds fo:) dk;Zokgh djus ckcr~ izLrqr
n-iz-l- dh /kkjk 340 ds vkosnu dk iz'u gS] rRlaca/k esa ;g Li"V fd;k
tkuk mfpr izrhr gksrk gS fd vihykFkhZ@ifjoknh }kjk vkosnu esa
mRrjoknh@vukosnd chek daiuh ds fo:) yxk, x, vkjksi fdlh
U;k;ky; }kjk izekf.kr ugha A vr% mDr vkosnu ds laca/k esa
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laHko ugha gS] fujLr fd;k x;k] ftlds fo:) ;g vihy gSA
8- vihykFkhZ@ifjoknh Lo;a }kjk rdZ izLrqr fd;k x;k fd ftyk
Qksje }kjk tks naM izfdz;k lafgrk dh /kkjk 340 ds varxZr
mRrjoknh@vukosnd ds fo:) dksbZ Hkh dk;Zokgh djus dh vf/kdkfjrk
u gksus dk fu.kZ; fn;k gS og =qfViw.kZ gSA blh izdkj ftyk Qksje }kjk
mRrjoknh@vukosnd dks tks tokcnkos esa la'kks/ku dh vuqefr nh og Hkh
fof/k fo:) gSA ftyk Qksje }kjk mRrjoknh@vukosnd dks chek
vf/kfu;e 1938 dh /kkjk 104]105 105A ds mYya?ku ij isukYVh
vf/kjksfir djuh Fkh] ijarq ftyk Qksje }kjk dksbZ isukYVh
mRrjoknh@vukosnd ds Åij vf/kjksfir ugha dh xbZA ftyk Qksje }kjk
vihykFkhZ@ifjoknh dks {kfriwfrZ jkf'k 23]271@&:- ij iwoZ dh rkjh[k
03-10-2002 ls C;kt ugha fnyk;k gS tks =qfViw.kZ fu.kZ; gSA vr%
vihykFkhZ@ifjoknh dh vihy Lohdkj dh tk;s rFkk ftyk Qksje dk
vkns'k vikLr fd;k tk;sA
// 5 //
9- mRrjoknh@vukosnd dh vksj ls milatkr gksus okys fo}ku
vf/koDrk Jh ,l-,y-nsokaxu }kjk ;g rdZ izLrqr fd;k x;k fd
mRrjoknh@vukosnd@chek daiuh }kjk tks vihykFkhZ@ifjoknh ds nkos
dks fujLr fd;k gS og fu;ekuqlkj vkSj mfpr gS vr%
vihykFkhZ@ifjoknh dh vihy fujLr dh tkosA
10- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k ,oa
ftyk Qksje ds vfHkys[k rFkk vkyksP; vkns'k dk Hkh ifj'khyu fd;k
x;kA
11- vihykFkhZ@ifjoknh vius vihy eseksa dh dafMdk 3-2 esa ;g
vuqrks"k ekaxk gS fd ^^To disallow the consequential amendment done by
respondent/non-applicant. By reasons and grounds mentioned in para 1.10 and
2.25 mentioned above, the proposed consequential amendment is against the provision principles of res-judicata and hence is illegaA-
12- gekjs }kjk fnukad 04-02-2008 ds vkns'k i=d dk ifj'khyu fd;k x;kA okLro esa vihykFkhZ@ifjoknh }kjk gh la'kks/ku gsrq vkns'k 6 fu;e 17 lh-ih-lh- ds varxZr fnukad 18-09-2007 dks vkosnu izLrqr fd;k x;k FkkA vihykFkhZ@ifjoknh }kjk ftyk Qksje ds le{k ;g rdZ izLrqr fd;k x;k Fkk fd ^^ftl mn~ns'; ds fy;s ekuuh; jkT; vk;ksx }kjk izdj.k dks fjekaM fd;k gS bl mn~ns'; dh izfriwfrZ ds fy;s la'kks/ku vko';d gSA nksuksa i{kksa ds rdZ dk Jo.k djus ds ckn ftyk Qksje }kjk vihykFkhZ@ifjoknh ds la'kks/ku vkosnu dks Lohdkj fd;k x;k vkSj U;k;fgr esa mRrjoknh@vukosnd dks ikfj.kkfed la'kks/ku dk volj fn;k x;kA gekjs erkuqlkj ftyk Qksje }kjk tks fu.kZ; fy;k x;k og iwjh rjg ls mfpr vkSj fof/k lEer gSA vr% vihykFkhZ@ifjoknh dk ;g // 6 // rdZ Lohdkj ;ksX; ugha gS fd mijksDr fu.kZ; CPC dh /kkjk&11 dk mYya?ku gS ,oa res-judicata ds fl)kar ds foijhr gSA 13- vihykFkhZ@ifjoknh }kjk vius vihy eseks dh dafMdk 3-3 esa ;g vfHkopu fd;k gS fd "To allow the appellant/Complainant's application U/s 340 cr.p.c. read with several other sections of several different acts/laws. The appellant/complainant had provided sufficient documents, witnesses evidences, reasoning and grounds that prima-facie the case of the respondent/non-applicant is ab-initio totally based on fake and fabricated evidentces and illegal investigation report. The State Commission should take this matter very seriously and should not allow any kind of relief or benefit of doubts towards the wrong-doers."
14- gekjs }kjk Cr. P.C. dh /kkjk 340 dk ifj'khyu fd;k x;k] tks fuEukuqlkj gS%& v/;k; 26%U;k;&iz'kklu ij izHkko Mkyus okys vijk/kksa ds ckjs esa mica/k ^340- /kkjk 195 esa of.kZr ekeyksa esa izfdz;k&&¼1½ tc fdlh U;k;ky; dh] mlls bl fufeRr fd, x, vkosnu ij ;k vU;Fkk] ;g jk; gS fd U;k; ds fgr esa ;g lehphu gS fd /kkjk 195 dh mi/kkjk¼1½ ds [k.M¼[k½ esa fufnZ"V fdlh vijk/k dh] tks mls] ;FkkfLFkfr] ml U;k;ky; dh dk;Zokgh esa ;k mlds laca/k esa vFkok ml U;k;ky; dh dk;Zokgh esa is'k dh xbZ ;k lk{; esa nh xbZ nLrkost ds ckjs esa fd;k gqvk izrhr gksrk gS] tkap dh tkuh pkfg, rc ,slk U;k;ky; ,slh izkjafHkd tkap ds i'pkr~ ;fn dksbZ gks] tSlh og vko';d le>s&& ¼d½ ml Hkko dk fu"d"kZ vfHkfyf[kr dj ldrk gS( ¼[k½ mldk fyf[kr ifjokn dj ldrk gS( ¼x½ mls vf/kdkfjrk j[kus okys izFke oxZ eftLVsªV dks Hkst ldrk gS( ¼?k½ ,sls eftLVsªV ds le{k vfHk;qDr ds gkftj gksus ds fy, i;kZIr izfrHkwfr ys ldrk gS vFkok ;fn vfHkdfFkr vijk/k vtekurh; gS vkSj U;k;ky; ,slk djuk vko';d le>rk gS rks] vfHk;qDr dks ,sls eftLVsªV ds ikl vfHkj{kk esa Hkst ldrk gS( vkSj // 7 // ¼M-½ ,sls eftLVsªV ds le{k gkftj gksus vkSj lk{; nsus ds fy, fdlh O;fDr dks vkc) dj ldrk gSA ¼2½ fdlh vijk/k ds ckjs esa U;k;ky; dks mi/kkjk¼1½ }kjk iznRr 'kfDr dk iz;ksx] ,sls ekeys esa ftlesa ml U;k;ky; us mi/kkjk¼1½ ds v/khu ml vijk/k ds ckjs esa u rks ifjokn fd;k gS vkSj u ,sls ifjokn ds fy, tkus ds fy, vkosnu dks ukeatwj fd;k gS] ml U;k;ky; }kjk fd;k tk ldrk gS ftlds ,slk iwoZdfFkr U;k;ky; /kkjk 195 dh mi/kkjk¼4½ ds vFkZ esa v/khuLFk gSA ¼3½ bl /kkjk ds v/khu fd, x, ifjokn ij gLrk{kj&& ¼d½ tgka ifjokn djus okyk U;k;ky; mPp U;k;ky; gS ogkWa ml U;k;ky; ds ,sls vf/kdkjh }kjk fd, tk,axs] ftls og U;k;ky; fu;qDr djs( 1 [¼[k½ fdlh vU; ekeys esa] U;k;ky; ds ihBklhu vf/kdkjh }kjk ;k U;k;ky; ds ,sls vf/kdkjh }kjk] ftls U;k;ky; bl fufeRr fyf[kr esa izkf/kd`r djs] fd, tk,axsA] ¼4½ bl /kkjk es ^^U;k;ky;** dk ogh vFkZ gS tks /kkjk 195 esa gSA** 15- vihykFkhZ@ifjoknh }kjk vukosnd@chek daiuh }kjk izLrqr nLrkostksa dks >wBk] diViw.kZ mn~ns'; ls dwVjfpr ekurs gq, rFkk chek vUos"kd }kjk izLrqr fjiksVZ dks Hkh vlR; ekurs gq;s jkT; vk;ksx ls ;g vuqrks"k ekaxk gS fd mijksDr Ny] diV ds ifjizs{; esa vukosnd@chek daiuh ij Cr. P.C. dh /kkjk 340 ds varxZr leqfpr dk;Zokgh jkT; vk;ksx }kjk dh tkosA izdj.k ds voyksdu ls ;g nf'kZr gksrk gS fd vihykFkhZ@ifjoknh }kjk vius mijksDr vfHkopu ds leFkZu esa dksbZ nLrkost izdj.k esa izLrqr ugha fd;k gS ek= lekpkj i= dh QksVksdkih Lohdk;Z nLrkost ugha gSA I(1993) CPJ 88(NC), N. Shivaji Rao Vs. M/s. Daman Motor Company & ors. decided on 02.11.1992.
"Consumer Protection Act, 1986 -Section 2(1)(c) "Complaint"
"Fraud and cheating" State Commission declined to adjudicate the complaint because of complicated questions including fraud and cheating."
// 8 // bl izdkj ekuuh; jk"Vªh; vk;ksx }kjk ;g vfHkfu/kkZfjr fd;k x;k gS fd ^^miHkksDrk ds ifjokn dks blfy;s Lohdkj ugha fd;k x;k D;ksafd mlesa /kks[kk rFkk Nys tkus dh f'kdk;r FkhA 16- vihykFkhZ@ifjoknh dh vksj ls tks /kkjk&340 naM izfdz;k lafgrk ds lanHkZ esa vk{ksi fd;k gS mlds laca/k esa vihykFkhZ@ifjoknh }kjk ,slk dksbZ lk{; izLrqr ugha fd;k tk ldk gS ftlls izdV gks fd dfFkr vUos"k.k fjiksVZ ;k mRrjoknh@vukosnd }kjk fy;k x;k vfHkopu diV ;k dwV jfpr gS vUos"k.k fjiksVZ ds laca/k esa ,slk dksbZ lk{; ugha gS ftlds vk/kkj ij ;g dgk tk lds fd vUos"kd us dwV jfpr dj nLrkost izLrqr fd;k gS rFkk fu'pkRed lk{; ds vHkko esa /kkjk&340 naM izfdz;k lafgrk ds varxZr dk;Zokgh fd;k tkuk mfpr ugha gS rFkk vihykFkhZ@ifjoknh ftu nLrkostks dks dwV jfpr dgk tk jgk gS mlds laca/k esa fdlh l{ke {ks=kf/kdkj j[kus okys U;k;ky; }kjk dksbZ vkns'k ikfjr ugha fd;k x;k gSA gekjs erkuqlkj NydiV ls lacaf/kr ekeys flfoy dksVZ dh vf/kdkfjrk ds fo"k; gksrs gSa mudk fuLrkj.k ftyk Qksje] jkT; vk;ksx }kjk ugha fd;k tk ldrk gSA vr% ftyk Qksje }kjk vius vkns'k dh dafMdk 11 esa tks fu"d"kZ fudkyk gS og iwjh rjg ls mfpr vkSj fof/k lEer gS] mlesa gLr{ksi dh dksbZ vko';drk ugha gSA 17- vihykFkhZ@ifjoknh }kjk vius vihy eseks dh dafMdk 2-27 esa ;g vfHkopu fd;k gS fd ^^That, this dispute also attracts the provisions & penalty as mentioned u/s. 104, 105 and 105(A) of Insurnace Act. 1938. The appellant/Complainant had drawn attention of District Forum in this regard. Even than, the District Forum did not Consider it at all and erred in this regard.
// 9 // 18- gekjs }kjk Insurance act 1938 dh /kkjk 104] 105 rFkk 105(A) dk ifj'khyu fd;k x;k] tks fuEukuqlkj gS%& Section 104 in The Insurance Act, 1938
104. Penalty for false statement in document. -If a person fails to comply with the provisions of section 27 or section 27A or section27B or section27C or section27D, he shall be liable to a penalty not exceeding five lakh rupees for each such failure.
Section 105 in The Insurance Act, 1938
105. Wrongfully obtaining or withholding property.-If any director, managing director, manager or orher officer or employee of an insurer wrongfully obtains possession of any property or wrongfully applies to any purpose of the Act, he shall be liable to a penalty not exceeding two lakh rupees for each such failure.
Section 105A in The Insurance Act, 1938 105A. Offences by companies.-
(1) Where any offence under this Act has been committed by a company, every person who, at the time the offence was committed, was in charge and was responsible to, the company for the conduct of the business of the company as well as the company shall be deemed to be guilty of the offence and shall be liable to be proceeded against and punished accordingly:
Provided that nothing contained in this sub-section shall render any such person liable to any punishment, if he proves that the offence was committed without his knowledge or that he had exercised all due diligence to prevent the commission of such offence (2) Notwithstanding anything contained in sub-section (1),Where any offence under this Act has been committed by a company and it is proved that the offence has been committed with the consent or connivance of, or is attributable to any neglect on the part or, any director, manager, secretary or other officer of the company, such director, manager, secretary or other officer shall be deemed to be guilty of that offence and shall be liable to be proceeded against and punished accordingly. Explanation.-For the purpose of this section.-
// 10 //
(a)"company" means any body corporate, and includes-
(i) a firm; and
(ii) an association of persons or a body of individuals whether incorporated or not; and
(b)"director, in relation to-
(i) a firm, means a partner in the firm;
(ii) an association of persons or a body or individuals, means any member controlling the affairs thereof.
19- mijksDr /kkjkvksa ds vuqlkj /kkjk 104 Penalty for false statement in document ds fy;s gSA /kkjk 105 wrongfully obtaining or with holding property ds varxZr isukYVh gsrq gS rFkk /kkjk 105A offences by companies gksus ij isukYVh vf/kjksfir djus gsrq gSA gekjs erkuqlkj Insurance Act 1938 dh mijksDr of.kZr /kkjkvksa ds varxZr isukYVh ;k naM vf/kjksfir djus dk vf/kdkj miHkksDrk vnkyrksa dks ugha gS miHkksDrk laj{k.k vf/kfu;e 1986 ds vuqlkj /kkjk 27 tks 'kfLr;ksa gsrq gS ;g izko/kkfur djrh gS fd ^^bl vf/kfu;e ds v/khu vkns'k ds vuqikyu u djus ;k yksi djus dk nks"k fl) gksus ij /kkjk 27 ds v/khu nafMr fd;k tk ldsxk vFkkZr~ miHkksDrk vnkyrsa flQZ miHkksDrk ekeyksa ij gh isukYVh yxkus gsrq l{ke gSA Insurance Act 1938 dh /kkjk 104]105 rFkk 105A ds varxZr isukYVh ;k naM vf/kjksfir djus dk vf/kdkj ftyk Qksje ;k jkT; vk;ksx dks ugha gSA blds fy;s flfoy dksVZ ;k vU; Qksje dks vf/kdkfjrk izkIr gks ldrh gSA vr% ge vihykFkhZ@ifjoknh ds bl rdZ ls lger ugha gS fd ftyk Qksje }kjk vukosnd chek daiuh ij chek vf/kfu;e dh /kkjk 104] 105] 105A ds varxZr dk;Zokgh u dj =qfViw.kZ fu.kZ; fn;k gSA 20- vihykFkhZ@ifjoknh }kjk vius vihy eseksa esa ;g vfHkopu fd;k gS fd ftyk Qksje }kjk vius vkns'k dh dafMdk 12¼1½ esa esfMDyse dh // 11 // jkf'k 23]271@&:- rks fnyk;k gS] ijarq bl jkf'k ij iwoZ dh vof/k dk C;kt ugha fnyk;k gS vr% vihykFkhZ@ifjoknh dks 23]271@&:- dh jkf'k ij nkok izi= tek djus dh rkjh[k 03-10-2002 ls 12% pdzo`f) C;kt fnyk;k tk;sA gekjs erkuqlkj vihykFkhZ@ifjoknh dks 23]271@&:-
esfMDyse dh jkf'k ij ifjokn izLrqfr fnukad 05-10-2004 ls ysdj jde vnk;xh fnukad rd 9% okf"kZd C;kt dh nj ls C;kt fnyk;k tkuk mfpr gksxkA 21- mijksDr foospuk ds vk/kkj ij ge vihykFkhZ@ifjoknh dh vihy vkaf'kd :i ls Lohdkj djrs gSaA ftyk Qksje ds vkns'k dh dafMdk12¼1½ dks ifjofrZr fd;k tkrk gSA vukosnd chek daiuh vihykFkhZ@ifjoknh dks vkns'k fnukad ds ,d ekg dh vof/k ds Hkhrj esMhDyse dh jkf'k 23]271@&:-¼rsbZl gtkj nks lkS bdgRrj :i;s½ vnk djsaxs rFkk mDr 23]271@&:- ij ifjokn izLrqfr fnukad 05-10-2004 ls ysdj jde dh vnk;xh fnukad rd 9% okf"kZd C;kt dh nj ls C;kt Hkh vnk djsaxsA ftyk Qksje ds 'ks"k vkns'k dks ;Fkkor j[kk tkrk gSA bl vihy dk O;;
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