State Consumer Disputes Redressal Commission
National Insurance Co.Ltd. vs R.Vikas Kumar Reddy on 17 January, 2017
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2016/556 lafLFkr fnukad: 14.10.2016 vkj- fodkl dqekj jsM~Mh firk Lo- vkj- eksgu jsM~Mh] mez&33 o"kZ] fuoklh&lnkQy vkJe ds ikl] cks/k?kkV dkWyksuh] txnyiqj] ftyk&cLrj ¼N-x-½ ------------vihykFkhZ@ifjoknh-
fo:) 'kk[kk izca/kd] us'kuy ba';ksjsal daiuh fyfeVsM] 'kk[kk dk;kZy; txnyiqj] ftyk&cLrj ¼N-x-½ ----------mRrjoknh@vukosnd-
vihy Øekad% FA/2016/580 lafLFkr fnukad: 06.10.2016.
us'kuy ba';ksjal daiuh fyfeVsM] }kjk&'kk[kk izca/kd] 'kk[kk dk;kZy; txnyiqj] ftyk cLrj ¼N-x-½] }kjk&eaMy izca/kd] eaMy dk;kZy;] Eksfcu egy] th- bZ- jksM] iksLV o ftyk&jk;iqj ¼N-x-½ ------------vihykFkhZ@vukosnd-
fo:) vkj- fodkl dqekj jsM~Mh firk Lo- vkj- eksgu jsM~Mh] fuoklh&lnkQy vkJe ds ikl] cks/k?kkV dkWyksuh] txnyiqj] ftyk&cLrj ¼N-x-½ -------------mRrjoknh@ifjoknh- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k-
ekuuh; Jh Mh- ds- iksn~nkj] lnL;-
ekuuh; Jh ujsanz xqIrk] lnL;-
i{kdkjksa ds vf/koDrk ifjoknh dh vksj ls Jh vkj- ds- Hkkoukuh] vf/koDrkA vukosnd dh vksj ls Jh ih- ds- ikWy] vf/koDrkA // 2 // vkns'k fnukad% 17@01@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihy dzekad&FA/2016/556 ifjoknh vkj- fodkl dqekj jsM~Mh rFkk vihy dzekad&FA/2016/580 vukosnd us'kuy ba';ksjsal daiuh fyfeVsM }kjk 'kk[kk izca/kd us /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds rgr ftyk miHkksDrk fookn izfrrks"k.k Qksje] cLrj LFkku txnyiqj ¼N- x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&16@2016 esa ikfjr vkns'k fnukad&03-08-2016 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- ifjoknh] fojks/kh i{k ls okgu VsªDM ,DlkosVj ts- ,Dl- psfpl ua-&2126481] baZtu ua-&84130680] ts- ,Dl-& 140 ds nq?kZVukxzLr gksus ij {kfr jkf'k&2]81]600@&¼nks yk[k bD;klh gtkj N% lkS :Ik;s½ izkIr djus dk vf/kdkjh gS ftls fd fojks/kh i{k vkns'k fnukad ls 30 fnol ds vanj iznku djsxkA 2- ifjoknh ekufld {kfr ds ,ot ls fojks/kh i{k ls 5]000@&¼ikap gtkj :Ik;s½ vkns'k fnukad ls 30 fnol ds vanj izkIr djsxkA 3- vkosnu izLrqfr fnukad ls mDr {kfr jkf'k izkIr djus ls ifjoknh oafpr jgk gS] blfy, mDr {kfr jkf'k ij 06 izfr'kr lk/kkj.k okf"kZd C;kt ns; gksxkA // 3 // 4- fu;r vof/k esa mDr {kfr jkf'k dk Hkqxrku djus esa fojks/kh i{k ds vlQy jgus ij 09 izfr'kr lk/kkj.k okf"kZd C;kt ns; gksxkA 5- ifjokn O;; 2]000@&¼nks gtkj :Ik;s½ fu;r fd;k tkrk gS ftls ifjoknh] fojks/kh i{k ls izkIr djus dk vf/kdkjh gksxkA** ls nqf[kr gksdj izLrqr fd, gSaA 02- pwafd vihy dzekad&FA/2016/556 ,oa vihy dzekad&FA/2016/580 vkns'k fnukad&03-08-2016 ls mn~~Hkwr gq, gSa vr% budk fujkdj.k bl ,d gh vkns'k ds }kjk fd;k tk jgk gSA lqfo/kk dh n`f"V ls i{kdkjksa dks mudh ekSfyd izkfLFkfr ls lacksf/kr fd;k tkosxkA ewy vkns'k vihy dzekad&FA/2016/556 esa layXu dh tkoss ,oa vkns'k dh izfr vihy dzekd&FA/2016/580 esa layXu dh tkosA 03- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl++ izdkj jgk gS fd ifjoknh us VsªDM ,DldsosVj ts- ,l- psfpl uacj&2126481 batu uacj&84130680 JX 140 fnukad&05-02-2013 dks QeZ Mk;ukfed ts- lh- ch- jk;iqj ls thfodksiktZu gsrq _.k ls dz; fd;k gSA mDr e'khu dk chek vukosnd ls djk;k Fkk ftldk ikWfylh dzekad&1316300008689 gS tks fnukad&05-12-2013 ls 04-12-2014 dh e/; jkf= rd oS/k gSA mDr okgu fnukad&19-01-2014 dks bUnzkorh unh ds ihNs VSad ds cktw ls [kqnkbZ dk;Z djus ds nkSjku ukys esa nq?kZVukxzLr gks x;k Fkk ftldh // 4 // tkudkjh fnukad&20-01-2014 dks vukosnd chek daiuh dks fyf[kr esa nh xbZ FkhA vukosnd chek daiuh }kjk losZ;j Jh dkdrh;kbZu dks nq?kZVuk LFky ,oa okgu ds losZ gsrq Hkstk x;k FkkA ifjoknh }kjk losZ 'kqYd ds :Ik esa 1]200@&¼,d gtkj nks lkS :Ik;ss½ dk Hkqxrku fd;k FkkA ifjoknh us fnukad&30-01-2014 dks vukosnd chek daiuh dks fyf[kr esa lwpuk bl ckr dh fn;s tkus ij fd mDr e'khujh ?kVuk LFky ls ugha fudy ik jgk gS] mls dqy uqdlku ekudj fMlesaVy djus dh vuqefr ckor~ vkosnu izLrqr fd;s tkus ij vkosnu ysus ls txnyiqj dk;kZy; }kjk badkj djrs gq, jk;iqj 'kk[kk dks lwpuk Hkstus dks dgk rc ifjoknh us jk;iqj 'kk[kk dks LihM iksLV ds ek/;e ls Hksth ijUrq dksbZ losZ;j ?kVuk LFky ij ugha Hkstk x;kA rRi'pkr~ fnukad&20-02-2014 dks ?kVuk LFky ls e'khu ds vk/ks fgLls dks vyx dj ,oa vk/ks fgLls dks dzsu ds ek/;e ls fudkyk x;kA mDr okgu dks ifjoknh us vius fuokl LFky esa lqjf{kr LFkku ij fnukad&01-03-2014 rd j[kkA rRi'pkr~ fnukad&02-03- 2014 dks mijksDr e'khu dks 'kadj ;nq bathfu;fjax oDlZ] txnyiqj dks ejEer djus gsrq fn;kA e'khu esa cnys tkus okys dyiqtsZ dks.kkdZ b.MLVªht bD;qiesaV~l ls m/kkjh esa dz; dh xbZA e'khu ds ejEer esa 2]40]000@&¼nks yk[k pkyhl gtkj :Ik;s½ ,oa dyiqtksZa dh [kjhnh esa 18]00]000@&¼vV~Bkjg yk[k :Ik;s½ dqy&20]40]000@&¼chl yk[k pkyhl gtkj :Ik;s½ [kpZ gq, gSaA vukosnd chek daiuh }kjk ifjoknh ds nkok Dyse dks vkt fnukad rd Lohdkj ugha fd;k x;k gSA ifjoknh us fnukad&30-08-2014 dks vukosnd chek daiuh ds e.My dk;kZy; jk;iqj // 5 // ls lwpuk ds vf/kdkj vf/kfu;e] 2005] ds varxZr lwpuk dh tkudkjh ekaxh xbZ rFkk tkudkjh ugha nsus ij fnukad&04-10-2014 dks Lej.k&i= izsf"kr fd;k x;k rc yksd lwpuk vf/kdkjh] e.My dk;kZy; jk;iqj }kjk fnukad&18-11-2014 ds i= }kjk lwpuk nh xbZ fd muds ikl vafre vkadyu dk fjiksVZ vHkh rd vizkIr gS] tSls gh muds ikl mDr fjiksVZ izkIr gks tkrh gS] vkidks nkok ls lacaf/kr tkudkjh iznku djsaxsA rRi'pkr~ fnukad&19-12-2014 dks ifjoknh us vukosnd chek daiuh dks bl vk'k; dk i= Hkstk fd vafre vkadyu dk fjiksVZ bl Kkiu dh izkfIr ds lkr fnu ds Hkhrj iznku djsa vU;Fkk jsiqMsV ekudj U;k;ky; esa okn izLrqr djus dk ck/; gksxkA bl izdkj fnukad&19-12-2014 ls vkt fnukad rd ifjoknh ds nkok vkosnu ij dksbZ lquokbZ ugha dh xbZ vkSj u gh dksbZ Hkqxrku fd;k x;k gS ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 04- vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ;g vkifRr fd;k x;k gS fd ifjoknh O;olkf;d mi;ksx gsrq ,d ubZ ts- lh- ch- okgu ts- ,l- 140 dh Js.kh dk chek djk;k gS tks eksVj;ku vf/kfu;e] 1988] ds izko/kkuksa ds rgr O;olkf;d iz;kstu dh Js.kh esa vkrk gS rFkk ifjoknh mDr okgu ls O;olkf;d ykHk izkIr djrk gSA ,slh fLFkfr esa ifjoknh **miHkksDrk** dh Js.kh esa ugha vkrk gSA vr% ifjokn fujLr fd;k tkosA ifjoknh }kjk mDr ts- lh- ch- okgu ts- ,l-
// 6 // 140 O;olkf;d ykHk gsrq fdjk;s ij pykrk FkkA vukosnd chek daiuh }kjk tkjh chek 'krksZa ds fy, chek /kkjd dks mldk vuqikyu fd;k tkuk vko';d ,oa vifjgk;Z gksrk gSA rRlaca/k esa chek daiuh chek /kkjd dks vius }kjk tkjh ikWfylh esa 'krksZa dk Li"Vr% vfHko.kZu dj mlls gLrk{kj izkIr djrh gS ,oa mijksDr djkj ds }kjk muds e/; ,d fof/kd lafonk dk fuekZ.k gksrk gSA fdlh Hkh ,d i{kdkj }kjk lafonk ds 'krksZa ds ikyu ds vHkko esa mijksDr fof/ktU; lafonk dk fuekZ.k ugha gksrk gS ftlls mijksDr djkj dh 'krksZa dk vuqikyu nwljk i{kdkj ugha dj ldrk gSA vukosnd chek daiuh vius xzkgdkas ds lkFk dh xbZ lafonk dks iw.kZ :Ik ls lnSo ls ikyu djus esa vxz.kh jgh gS ,oa vius xzkgdksa ds fgrksa dks lE;drk ls ikyu djus dh ps"Vk djrh gSA ifjoknh ds izdj.k esa nq?kZVuk dkfjr okgu dk ,DLVªk izhfe;e jkf'k dk Hkqxrku ugha djus ds dkj.k chek daiuh fdlh Hkh izdkj dh {kfriwfrZ jkf'k Hkqxrku djus ds fy, ftEesnkj ugha gSA ifjoknh }kjk O;olkf;d ykHk izkIr djus gsrq okgu ls [kqnkbZ dk dk;Z djk;k tk jgk FkkA ifjoknh ds ts- lh- ch- okgu ts- ,l- 140 dk nq?kZVuk Ik'pkr~ LikWV losZ Jh lrh'k dR;k;su ds }kjk fnukad&21-01-2014 dks fjiksVZ izLrqr dh xbZ rRi'pkr~ QkbZuy losZ fjiksVZ Jh jktdqekj 'kekZ }kjk fnukad&29-11-2014 dks izLrqr fd;k x;k rFkk {kfr dk vkadyu ikWfylh 'krksZa ds vuqlkj 2]89]034@&¼nks yk[k uoklh gtkj pkSarhl :Ik;s½ fd;k x;k ftlesa ls lkYost dh dher 7]500@&¼lkr gtkj ikap lkS :Ik;s½ gksrk gSA orZeku esa ifjoknh dk okgu lgh gkyr esa gS rFkk og ikWfylh 'krksZa ds vuqlkj nq?kZVuk ds le;
// 7 // ,DLVªk izhfe;e jkf'k dk Hkqxrku ugha djus ds dkj.k ifjoknh ds nkos dks fujLr fd;k x;k gS tks iw.kZr% fof/k ds vuqlkj lR; ,oa lgh gSA ifjoknh ds ts- lh- ch- okgu ts- ,l- 140 dk vkÅV VfuZax ds le; ,DLVªk izhfe;e dh jkf'k dk Hkqxrku ugha fd;k x;k Fkk bl dkj.k ls ifjoknh dk okgu ds ejEer jkf'k&2]40]000@&¼nks yk[k pkyhl gtkj :Ik;s½ ,oa dyiqtksZa dh [kjhnh esa 18]00]000@&¼vV~Bkjg yk[k :Ik;s½ vukosnd chek daiuh Hkqxrku djus ds fy, ck/; ugha gSA ifjoknh ds nkos dks fnukad&13-03-2015 dks ,DLVªk izhfe;e jkf'k dk Hkqxrku ugha djus ds dkj.k vukosnd chek daiuh }kjk fujLr dj fn;k x;k gS ftldh fyf[kr lwpuk ifjoknh dks iathd`r lwpuk&i= ds ek/;e ls ns nh xbZ gSA vr% vukosnd chek daiuh] ifjoknh dks fdlh izdkj dh Dyse laca/kh {kfriwfrZ jkf'k Hkqxrku djus ds fy, ftEesnkj ugha gSA ifjoknh ds i{k esa dksbZ okn dkj.k mRiUu ugha gqvk gSA ifjoknh dk ifjokn ftyk Qksje ds {ks=kf/kdkj esa ugha gksus ds dkj.k izFke n`"V;k fujLr fd;s tkus ;ksX; gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 05- ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh (Annexure P-1)] ifjoknh }kjk us'kuy ba';ksjsal daiuh fyfeVsM txnyiqj dks nh xbZ fyf[kr lwpuk fnukad&20-01-2014 (Annexure P-2)] ifjoknh }kjk us'kuy ba';ksjsal daiuh fyfeVsM jk;iqj dks nh xbZ fyf[kr lwpuk fnukad&30-01-2014 (Annexure P-3)] iksLVy jlhn fnukad&30-01-2014 (Annexure P-4)] ifjoknh }kjk us'kuy ba';ksjsal daiuh // 8 // fyfeVsM txnyiqj dks nh xbZ fyf[kr lwpuk fnukad&30-01-2014 (Annexure P-5) dk vly] eksVj nkok izi=] okgu nkok lwpuk&i=] lwpuk ds vf/kdkj vf/kfu;e] 2005] ds varxZr tkudkjh miyC/k djk;s tkus ckor~ izLrqr vkosnu fnukad&30-08-2014 ,oa iksLVy jlhn rFkk iksLVy vkMZj (Annexure P-6)] Lej.k i= ,oa iksLVy jlhn fnukad&04- 10-2014 (Annexure P-7)] Lej.k i= ,oa iksLVy jlhn fnukad&05-11-2014 (Annexure P-8)] ifjoknh }kjk 'kk[kk izca/kd] us'kuy ba';ksjsal daiuh fyfeVsM] 'kk[kk dk;kZy; jk;iqj dks izsf"kr i= ,oa iksLVy jlhn fnukad&19-12-2014 (Annexure P-9 & 10)] iksLVy jlhn fnukad&08-09- 2015 (Annexure P-11)] vf/koDrk uksfVl fnukad&08-09-2015 (Annexure P-12)] dks.kkdZ baMfLVª;y bfDoiesaV dk ,fLVesV (Annexure P-13)] ifjoknh }kjk Fkkuk izHkkjh] Fkkuk dksrokyh txnyiqj dks izsf"kr lwpuk fnukad&15-01-2016 ,oa iksLVy jlhn (Annexure P-14)] isij dfVax] izkfIr Lohd`fr jlhn] dks.kkdZ baMfLVª;y bfDoiesaV dk VSDl buokW;l fnukad&22-01-2014 dh QksVks dkih] isij dfVax fnuakd&21-01-2014 (Annexure P-15) dk vly] ts- vkj- Vsªyj VªkaliksVZ dk fcy fnukad&27- 11-2013 dk vly (Annexure P-16)] ts-lh-ch- bafM;k fyfeVsM dk VSDl buokW;l fnukad&27-11-2013 dk vly (Annexure P-17)] ts- lh- ch- bafM;k fyfeVsM dk fMLisp lfVZfQdsV dk vly (Annexure P-18) izLrqr fd;k gSA // 9 // 06- vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh rFkk fu;e ,oa 'krZ (Annexure D-1)] ifjoknh }kjk us'kuy ba';ksjasl daiuh fyfeVsM txnyiqj dks izsf"kr lwpuk fnukad&20-01-2014 (Annexure D-2)] losZ fjiksVZ fnukad&21-01-2014 (Annexure D-3)] eksVj nkok izi= (Annexure D-4)] Mk;ukfed bfDoiesaV izk- fyfeVsM dk dksVs'ku fnukad&12-02-2014 (Annexure D-5)] losZ fjiksVZ fnukad&29-11- 2014 (Annexure D-6)] eksVj Dyse izkslsflax 'khV (Annexure D-7)] eksVj vks- Mh- Dyse uksV 'khV (Annexure D-8)] fMfotuy eSustj dk i= fnukad&12-03-2015 (Annexure D-9)] nkok fujLrh i= fnukad&13-03-2015 (Annexure D-10) dh QksVks dkih izLrqr fd;k gSA 07- mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, ifjoknh 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 08- ifjoknh dh vksj ls vihy dzekad&,Q,@2016@556 lafLFkr fd;k x;k gS] esa ifjoknh dh vksj ls milatkr gksus okys fo}ku Jh vkj- ds- Hkkoukuh dk rdZ gS fd ifjoknh us vius LokfeRo ds VsªDM ,DldsosVj dks vius thfodksiktZu gsrq _.k ysdj dz; fd;k Fkk tks vukosnd ds ikl fnukad&05-12-2013 ls fnukad&04-12-2014 dh vof/k ds fy, chfer Fkk vkSj fnukad&19-01-2014 dks banzkorh unh ds ihNs [kqnkbZ djrs le; mDr ,DldsosVj nq?kZVukxzLr gqvk Fkk ftldh lwpuk fnukad&20-01-2014 // 10 // dks vukosnd daiuh ds txnyiqj 'kk[kk dks fyf[kr esa nh xbZ Fkh rFkk losZ;j fu;qDr fd;k x;k Fkk vkSj LkosZ;j Jh lrh'k dkR;k;u }kjk losZ fd;k x;k Fkk rFkk vukosnd chek daiuh dks lwpu fn;k x;k Fkk fd e'khu ?kVuk LFky ls ugha fudy ik jgk gS vkSj mls VksVy {kfrxzLr ekurs gq, fMlesaVy dh vuqefr ds fy, vkosnu&i= fn;k x;k Fkk ijUrq txnyiqj 'kk[kk us vkosnu ysus ls badkj dj jk;iqj 'kk[kk dks izsf"kr djus ds fy, funsZf'kr fd;k tks fd LihM iksLV ls jk;iqj 'kk[kk dks Hkstk x;k Fkk rFkk ,DldsosVj dk ejEer djok;k x;k ftlesa ifjoknh dks yxHkx 20]40]000@&¼chl yk[k pkyhl gtkj :Ik;s½ [kpZ gqvk Fkk ijUrq vukosnd chek daiuh }kjk ifjoknh ds nkos ij dksbZ dk;Zokgh ugha dh xbZA bl ij ifjoknh dks ifjokn izLrqr djuk iM+k FkkA ftyk Qksje us ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, dqy 2]81]600@&¼nks yk[k bD;klh gtkj N% lkS :Ik;s½ dk vuqrks"k iznku fd;k gS tks fd vi;kZIr gSA ifjoknh us vius ifjokn&i= esa Li"V :Ik ls crk;k gS fd mls e'khu ds ejEer esa 2]40]000@&¼nks yk[k pkyhl gtkj :Ik;s½ ,oa dyiqtksZa dh [kjhnh esa 18]00]000@&¼vV~Bkjg yk[k :Ik;s½ O;; djuk iM+k Fkk vkSj ifjoknh us 18]00]000@&¼vV~Bkjg yk[k :Ik;s½ dyiqtsZ dh dher vkSj 2]00]000@&¼nks yk[k :Ik;s½ ejEer O;; dh ekax fd;k gS vkSj ml ij 18 izfr'kr C;kt dh ekax fd;k gS ijUrq ftyk Qksje us bu rF;ksa dks vuns[kk djrs gq, vkyksP; vkns'k ikfjr dj fn;k gS tks fd =qfViw.kZ gSA vr% ifjoknh }kjk izLrqr vihy Lohdkj // 11 // dj tks okgu dk chfer ewY; gS og jkf'k {kfriwfrZ ds :Ik es fnykbZ tkos vkSj ml ij 18 izfr'kr okf"kZd C;kt dh nj ls C;kt fnykbZ tkosA 09- vukosnd us'kuy ba';ksjsal daiuh fyfeVsM dh vksj ls vihy dzekad&,Q,@2016@580 lafLFkr fd;k x;k gS] esa vukosnd dh vksj ls milatkr gksus okys fo}ku Jh ih- ds- ikWy dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA ifjoknh dk ,DldsosVj iyV x;k Fkk ¼OverTurned½ vkSj OverTurned chek ikWfylh easa 'kkfey ugha Fkk rFkk ifjoknh }kjk fcuk vuqefr ds fjis;j dk;Z dj fcy izLrqr fd;k x;k gS tks fd Lohdkj ;ksX; ugha gSA ifjoknh nkok vkbZ- ,e- Vh- 47 ds izko/kku ds vuqlkj Lohdkj ;ksX; ugha gS vkSj chek daiuh fdlh izdkj ls nkf;Ro/khu ugha gS] ijUrq ftyk Qksje us bl laca/k esa fopkj u dj =qfViw.kZ vkns'k ikfjr dj fn;k gSA Jh ih- ds- ikWy dk ;g Hkh rdZ gS fd ifjoknh us tks vuqrks"k pkgk gS og 20]00]000@&¼chl yk[k :Ik;s½ ls vf/kd gks tkrk gS vkSj ftyk Qksje dks ek= 20]00]000@&¼chl yk[k :Ik;s½ rd ds ewY; ds ifjokn dks fopkj.k djus dk vf/kdkj izkIr gSA tcfd bl izdj.k easa tks vuqrks"k [k.M gS] mlh ds vuqlkj ifjoknh }kjk 21]00]000@&¼bDdhl yk[k :Ik;ss½ dk vuqrks"k pkgk tk jgk gS vkSj bl izdkj ftyk Qksje dks ifjokn ds vkfFkZd lquokbZ dk {ks=kf/kdkj izkIr ugha Fkk mlds ckn Hkh ftyk Qksje }kjk vkyksP; vkns'k ikfjr fd;k x;k gSA bu lc ifjfLFkfr;ksa dks ns[krs gq, vukosnd }kjk izLrqr vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr // 12 // fd;k tkosA vukosnd dh vksj ls Royal Sundaram Alliance Insurance Co. Ltd. Vs. Ganibhai Nurmahamadbhai Parasara 2015 (4) CPR 516 (NC) dk voyacu fy;k gSA 10- geus mHk;i{k 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;kA 11- ifjoknh ,oa vukosnd nksuksa us lfVZfQdsV vkWQ ba';ksjsal de ikWfylh 'ksM~;wy izLrqr fd;k gS ftlds vuqlkj ;g ikWfylh Package (Miscellaneous And Special Type of Vehicles) ds fy, tkjh fd;k x;k gS tks fd vkj- fodkl dqekj jsM~Mh ds uke ls tkjh gqvk gSA bl ikWfylh ds uhps gh fy[kk gS fd "This policy is subject to IMT Endorsement Numbers printed herewith attached hereto 7, 21, 47, 52, 24, 40." Gkykafd ifjoknh dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd ifjoknh dks chek ikWfylh ds 'krksZa dks miyC/k ugha djk;k x;k FkkA ifjoknh dk mDr dFku Lohdkj ;ksX; ugha gSA ifjoknh }kjk izLrqr b';ksjsal ikWfylh esa gh vkbZ- ,e- Vh- 47 baMkslZesaV dk mYys[k gS vkSj ;fn okLro esa ifjoknh dks chek ikWfylh ds lkFk VeZ ,.M daMh'ku izkIr ugha gqvk Fkk rks ifjoknh dk ;g drZO; Fkk fd og rRdky chek daiuh dks lwfpr djrk vkSj fQj ikWfylh dks fujLr djkrk] ijUrq bl izdkj dh dksbZ dk;Zokgh fd;k tkuk nf'kZr ugha gksrk gS vkSj ,slh fLFkfr esa ifjoknh tks chek ikWfylh esa 'krZ mYysf[kr gS mlls ck/; gSA // 13 // 12- vukosnd dh vksj ls ,usD'pj Mh&1 ds :Ik esa VeZ ,.M daMh'ku dks izLrqr fd;k x;k gS ftlesa vkbZ- ,e- Vh- 47 dk mYys[k gS ftlds vuqlkj%& IMT: 47. Mobile Cranes/Drilling Rigs/Mobile/Excavators/Navvies/ shovels/Grabs/Rippers.
It is hereby declared and agreed notwithstanding anything to the contrary contained in this Policy that in respect of the vehicle insured* the Insurer shall be under no liability-
a) Under Section 1 of this Policy in respect of loss or damage resulting from overturning arising out of the operation as a tool of such vehicle or of plant forming part of such vehicle or attached thereto except for loss or damage arising directly from fire, explosion, self ignition or lightning or burglary housebreaking or theft.
b) Under Section II except so far as is necessary to meet the raquirments of the Motor Vehicles Act, 1988, in respect of liability incurred by the insured arising out of the operation as a tool of such vehicle or of plant froming part of such vehicle or attached thereto.
N.B.:
Omit paragraph (a) for :-
(i) Liability only Policies.
(ii) Package Policies where an additional premium has
been paid for inclusion of damage by overturning. Note:
*Insert make, number or some other means of identification.
// 14 // Where a premium reduction is allowed for exclusion of damage when in use as a tool of trade omit from paragraph (a) (the words "resulting from overturning" and "except for loss...or theft"." 13- Royal Sundaram Alliance Insurance Co. Ltd. Vs. Ganibhai Nurmahamadbhai Parasara (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "IMT. 47- Under package insurance policy, wherein additional premium not paid for inclusion of damageby overturning, loss or damage resulting from overturning arising out of operation as a tool of such vehicle not payable by insurance company." 14- ba';ksjasl ikWfylh dk ifj'khyu fd;k x;kA bl ikWfylh ds ifj'khyu ls Li"V gS fd vkbZ- ,e- Vh- 47 ds izko/kku ds rgr dksbZ vfrfjDr izhfe;e ugha fy;k x;k gS rFkk bathfu;j lrh'k dkR;k;u losZ;j ,.M ykWl vlslj }kjk tks fjiksVZ tkjh fd;k x;k gS mlesa fof'k"V :Ik ls mYysf[kr gS fd%& "CAUSE AND NATURE OF LOSS:
As per discussion with the representative it noted that subject machine was working in rever bed for excavation of work. It got overturned and fell down. As a result of it IV sustained damages."
Aggrigate No. of Major Assy.
.......... : ...........
// 15 //
"Name of the person : Insured's ralative
Attended on spot As machine is in rever so water of the
rever entered in the engine gear box
raquire cleaneing and sensor may be
effective."
VISUAL DAMAGEES INSPECTED AT THE SPOT
......... : ....................
"Although sufficient care have been taken in noting the losses/damages at the time of spot survey, inspite of it some other losses pertain to this accident are observed, same may be consider at the time of final survey."
15- Export Credit Guarantee Corpn. of India Ltd. Vs. M/s Garg Sons International, 2013 (4) CPR 373 (SC); Eksa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "9. The insured cannot claim anything more than what is covered by the insurance policy.
"...The terms of the contract have to be construed strictly, without altering the nature of the contract as the same may affect the interests of the parties adversely."
16. United India Insurance Co. Ltd. Vs. M/s Harchand Rai Chandan Lal, 2005 (1) CPR 64 (SC); Eksa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 16 // "6. The terms of the policy have to be construed as it is and we cannot add or subtract something. Howsoever liberally we may construe the policy but we cannot take liberalism to the extent of substituting the words which are not intended. It is true that in common parlance the term 'burglary' would mean theft but it has to be proceeded with force of violence. If the element of force and violence is not preset then the insured cannot claim compensation against theft from the insurance company. (Para 6).
It is not open to interpret the expression appearing in policy in terms of common law; but it has to give meaning to the expression reproduced the terms of the policy as also the definition of burglary and / or housebreaking as defined in the policy."
17. Deokar Exports Pvt. Ltd. Vs. New India Assurance Company Ltd. I (2009) CPJ 6 (SC); Eksa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "11. A policy of insurance is a contract based on an offer (proposal) and an acceptance. The appellant made a proposal. The respondent accepted the proposal with a modification. Therefore, it was a counter proposal, in which event three would have been no contract. The second was to accept either expressly or impliedly, the counter proposal of the respondent (that is // 17 // respondent's acceptance with modification) which would result in a concluded contract in terms of the counter proposal. The third was to make a counter proposal to the counter proposal of the respondent in which event there would have been no concluded contract unless the respondent agreed to such counter proposal. But the appellant definitely did not have the fourth choice of propounding a concluded contract with a modification neither proposed nor agreed to by either party..."
18. National Insurance Company Limited vs. Abdul Razak, 2015 (4) CPR 492 (NC); Eksa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. ......... In the case of Oriental Insurance Co. Ltd. Vs. Sony Cherian, AIR 1999 SC 3252, in which the Apex Court held that :
"The Insurance policy between the insurer and the insured represents a contract between the parties. Since the insurer undertakes to compensate the loss suffered by the insured on account of risks covered by the insurance policy, the terms of the agreement have to be strictly construed to determine the extent of liability of the insurer. The insured cannot claim anything more than what is covered by the insurance policy. That being so, the insured has also to act strictly in accordance with // 18 // the statutory limitations or terms of the policy expressly set out therein."
19- mijksDr U;k; n`"Vkar ds ifjizs{; esa Li"V gS fd ifjoknh chek ikWfylh ds 'krksZa ds v/khu tks tksf[ke vkPNkfnr gS] dsoy mlh ds laca/k esa nkok izkIr djus dk vf/kdkjh gS vkSj ikWfylh esa ftu rF;ksa dk mYys[k ugha gS] mlds laca/k esa fdlh izdkj dk nkok izkIr ugha dj ldrk gS rFkk tks chek 'krZ gS mlds fucU/kuksa dk vFkkZUo;u mlh vuqlkj fd;k tkuk gksrk gSA 20- eksVj VsfjQ vkbZ- ,e- Vh- 47 ds ifj'khyu ls Li"V gS fd Overturn chek ikWfylh esa mYysf[kr ugha gS vkSj u gh blds laca/k esa dksbZ vfrfjDr izhfe;e fy;k x;k gSA 21- ifjoknh us vius ifjokn&i= dh dafMdk&3 esa ;g crk;k gS fd fnukad&19-01-2014 dks banzkorh unh ds ihNs VSad ds cktw esa [kqnkbZ djus ds nkSjku e'khu ukys esa nq?kZVukxzLr gks x;k FkkA ifjoknh }kjk mDr ?kVuk dh dksbZ fjiksVZ fd;k tkuk izdV ugha gksrk gS rFkk ifjoknh us tks nkok izi= izLrqr fd;k gS mlesa Hkh nq?kZVuk ds le; okgu dk mi;ksx fdl iz;kstu ds fy, fd;k tk Fkk] ds mRrj esa dgk gS fd [kqnkbZ dk;Z gsrq fd;k tk jgk FkkA losZ;j jkt dqekj 'kekZ us Hkh vius losZ fjiksVZ esa mYysf[kr fd;k gS fd ,DldsosVj dk;Z ds nkSjku lkbZV ij gh Overturn ¼iyV x;k Fkk½ gks x;k Fkk vkSj vius vfHker esa mlus crk;k gS fd ?kVuk dk dkj.k ,DldsosVj dk iyVuk gS tks fd viotZu [kaM esa vkrk // 19 // gSA mlh izdkj LikWV losZ;j Jh lrh'k dkR;k;u us Hkh vfHker fn;k gS vkSj bl izdkj Li"V gS fd tks ,DldsosVj gS og [kqnkbZ djrs le; iyV x;k Fkk vkSj ftlds dkj.k ls og {kfrxzLr gqvk Fkk vkSj iyVuk chek ikWfylh ds varxZr vkPNkfnr ugha Fkk vkSj blfy, ifjoknh bl laca/k esa fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gS vkSj ftyk Qksje us tks {kfriwfrZ iznku fd;k gS og iw.kZr% =qfViw.kZ gSA vr% ftyk Qksje }kjk ikfjr vkyksP; vkns'k fLFkj j[ks tkus ;ksX; ugha gSA 22- vukosnd ds fo)ku vf/koDrk Jh ih- ds- ikWy dk ;g rdZ gS fd ftyk Qksje dks ifjokn dh lquokbZ dk vkfFkZd {ks=kf/kdkj izkIr ugha FkkA ifjoknh us vius ifjokn&i= ds vuqlkj vuqrks"k ¼v½ esa dyiqtksZa dh dher 18]00]000@&¼vV~~Bkjg yk[k :Ik;s½ rFkk ejEer O;; 2]00]000@&¼nks yk[k :Ik;s½ bl izdkj dqy 20]00]000@&¼chl yk[k :Ik;s½ rFkk vuqrks"k ¼l½ esa 1]00]000@&¼,d yk[k :Ik;s½ ekufld {kfr dk ekaxk gS tks fd 21]00]000@&¼bDdhl yk[k :Ik;s½ gks tkrk gSA tcfd ftyk Qksje dks ek= 20]00]000@&¼chl yk[k :Ik;s½ rd ds ifjokn dh lquokbZ dk vf/kdkj izkIr gS vkSj blfy, Hkh ftyk Qksje dk vkns'k =qfViw.kZ gSA ifjoknh ds vf/koDrk us mDr rdZ dk [k.Mu djrs gq, crk;k gS fd tks eq[; vuqrks"k gS og 20]00]000@&¼chl yk[k :Ik;s½ dk gS bfly, ftyk Qksje dks {ks=kf/kdkj izkIr gSA 23- geus ifjokn&i= dk ifj'khyu fd;kA ifjoknh us ifjokn&i= dh dafMdk&12 esa mYysf[kr fd;k gS fd mlus e'khu ds ejEer esa // 20 // 2]40]000@&¼nks yk[k pkyhl gtkj :Ik;s½ ,oa dyiqtksZa dh [kjhnh esa 18]00]000@&¼vV~Bkjg yk[k :Ik;s½ dqy 20]40]000@&¼chl yk[k pkyhl gtkj :Ik;s½ [kpZ gq, gSa rFkk vuqrks"k esa Hkh ejEer ,oa dyiqtksZa dh dher ds :Ik esa 20]00]000@&¼chl yk[k :Ik;s½ dh ekax fd;k gS vkSj 1]00]000@&¼,d yk[k :Ik;s½ ekufld {kfriwfrZ pkgk gSA bl izdkj ifjoknh }kjk dqy 21]00]000@&¼bDdhl yk[k :Ik;s½ dk vuqrks"k pkgk gS vkSj lkFk esa 18 izfr'kr okf"kZd C;kt Hkh pkgk gSA ifjoknh }kjk okafNr vuqrks"k 20]00]000@&¼chl yk[k :Ik;s½ ls vf/kd dk gSA tcfd /kkjk&11 ¼1½ miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk Qksje dks 20]00]000@&¼chl yk[k :Ik;s½ rd ds ewY; ds gh ifjokn dks lquokbZ dk {ks=kf/kdkj izkIr gS vkSj bl izdkj ftyk Qksje dks bl ifjokn dks xzg.k djus dk vkfFkZd {ks=kf/kdkj izkIr ugha Fkk vkSj ftyk Qksje dks ifjoknh ds ifjokn dks jkT; vk;ksx esa lafLFkr djus gsrq okil djuk Fkk vkSj bl izdkj ftyk Qksje us vius {ks=kf/kdkj ls ijs tkdj vkns'k ikfjr fd;k gSA bl vk/kkj ij ifjoknh dk ifjokn fujLr fd;s tkus ;ksX; gSA 24- mijksDr foospuk ds ifjizs{; esa ifjoknh vkj- fodkl dqekj jsM~Mh dh vksj ls izLrqr vihy dzekad&,Q,@2016@556 fujLrh ;ksX; gksus ls fujLr fd;k tkrk gSA 25- tgka rd vihy dzekad&,Q,@2016@580 tks us'kuy ba';ksjsal daiuh fyfeVsM }kjk izLrqr fd;k x;k gS] og Lohdkj fd;k tkrk gSA // 21 // ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&03-08-2016 vikLr fd;k tkrk gSA ifj.kker% ifjoknh dk ifjokn fujLr fd;k tkrk gSA 26- mHk; vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
17@01@2017 17@01@2017 17@01@2017