State Consumer Disputes Redressal Commission
Omprakash Sahu vs Reliance General Insurance on 21 December, 2020
jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV cSap] dksVk ¼jktLFkku½ izFke vihy la[;k% 106@2012 vkse izdk'k lkgw iq= Jh iUuk yky] vk;q 35 o"kZ] tkfr lkgw rsyh] fuoklh ckopk] rglhy NkcM+k] ftyk ckjka ¼jkt-½A
----vihykFkhZ@izkFkhZ cuke~ 1- fjyk;al tujy ba';ksjsl a daiuh fyfeVsM ] 10&, >kykokM+ jksM+] izFke ry dksVk 2- gsesUnz 'kekZ iq= Jh ukekywe] tkfr czkgE.k] fuoklh laLd`r dkWyst ds ikl] dksVk jksM+] ckjkaA
----izR;[email protected] le{k %& Jh lqjsUnz dqekj tSu] lnL; ¼U;kf;d½ Jh jkeQwy xqtZj] lnL;
mifLFkr%& vihykFkhZ ds vf/koDrk Jh psru dqekj ikjklj izR;FkhZ la-,d ds vf/koDrk Jh ds-,l-tknkSu fu.kZ; fnukad% 21@12@2020 jkT; vk;ksx]lfdZV cSap] dksVk¼}kjk% Jh lqjsUnz dqekj tSu]lnL; ¼U;kf;d½ 1& vihykFkhZ@ifjoknh us ;g vihy ftyk miHkksDrk eap] ckjka ds }kjk ifjokn izdj.k la[;k 70@2009& vkse izdk'k lkgw cuke~ fjyk;al tujy ba';ksjsl a daiuh fyfeVsM ,ao vU; esa ikfjr fu.kZ; fnuakd 16-08-2012 ds fo:) izLrqr dh gaS] ftlds }kjk mUgksua s vihykFkhZ@ifjoknh dk ifjokn i= [kkfjt dj fn;kA 1 jkT; vk;ksx]lfdZV cSap]dksVk vihy la[;k 106@2012 fu.k;Z fnuakd 21-12-2020 2& laf{kIr rF;ksa ds vuqlkj ifjoknh@vihykFkhZ us viuk VsªDVj izR;FkhZ@foi{kh la[;k ,d ds ;gak fnukad 28-06-2007 ls fnukad 26-06-2008 rd dh vof/k ds fy, 3]06]000@&:i;s ¼rhu yk[k N% gtkj :i;s½ dher ekurs gq, chek djok j[kk gSA mDr VsªDVj fnukad 14-03-2008 dks pksjh gks x;k ftldh fjiksVZ fnukad 21-03-2008 dks iqfyl Fkkuk NcM+k esa ntZ djok;h xbZA foi{kh@izR;FkhZ la[;k ,d us chek nkok Lohdkj ugha fd;kA 3& izR;FkhZ@foi{kh chek daiuh ds vuqlkj iqfyl esa lkr fnu ckn fjiksVZ ntZ djok;h xbZ gS rFkk chek daiuh esa 16 fnu ckn nkok izLrqr fd;k x;k gSA 4& fo}ku ftyk eap us nsjh ls fjiksVZ ntZ djkus ,ao chek daiuh dks nsjh ls nkok izLrqr djus ds vk/kkj ij ifjokn i= [kkfjt dj fn;k] ftlls O;fFkr gksdj ;g vihy izLrqr dh xbZ gSA 5& fo}ku vf/koDrk vihykFkhZ@ifjoknh dh vksj ls tfj;s ohfM;ks dkaQzsfUlxa ;g cgl dh xbZ gS fd fo}ku ftyk miHkksDrk eap us rduhdh vk/kkj ij ifjokn i= [kkfjt dj fn;k gSA mudk rdZ gS fd ifjoknh@vihykFkhZ us jkr dks VsªDVj pksjh gksus ds ckn rqjUr iqfyl Fkkuk] NcM+k esa lwpuk dj nh Fkh rFkk iqfyl Fkkuk] NcM+k us lHkh txg ok;j ySl Hkh dj fn;s Fks] ;g rF; losZ tkWap fjiksVZ esa vafdr gS fQj Hkh fo}ku ftyk miHkksDrk eap us xyr rkSj ij ifjokn i= [kkfjt dj fn;k gS mUgskua s vihy 2 jkT; vk;ksx]lfdZV cSap]dksVk vihy la[;k 106@2012 fu.k;Z fnuakd 21-12-2020 Lohdkj fd;s tkus dk fuosnu fd;k gSA 6& fo}ku vf/koDrk izR;FkhZZ@foi{kh la[;k ,d dh vksj ls tfj;s ohfM;ks dkaQzsfUlxa ;g cgl dh xbZ gS fd chek ikWfylh dh 'krksZa ds vuqlkj ?kVuk dh lwpuk rqjUr fn;s tkuk vko';d Fkk tcfd bl izdj.k esa lkr fnu nsjh ls iqfyl esa fjiksVZ ntZ djok;h xbZ gSA muds vuqlkj fo}ku ftyk miHkksDrk eap us lgh rkSj ij ifjokn i= [kkfjt fd;k gSA 7& geusa mHk; i{kh; cgl ij fopkj fd;k ,ao i=koyh dk voyksdu fd;k gSA 8& izR;FkhZ@foi{kh chek daiuh dh vksj ls ekuuh; jk"Vªh; vk;ksx dk fjfotu fifV'ku la[;k 2982@2012&dqynhi flag cuke~ bZQdks Vksfd;ks tujy ba';ksjsl a daiuh fyfeVsM] fu.kZ;
fnukad 18-01-2013 izLrqr fd;k x;k gSA bl ekeys esa 11 fnu nsjh ls izFke lwpuk fjiksVZ ntZ djok;h xbZ Fkh rFkk 12 fnu nsjh ls chek daiuh dks lwfpr fd;k x;k FkkA chek daiuh us nwljk U;kf;d n`"Vkar ekuuh; jk"Vªh; vk;ksx dk izFke vihy la[;k 321@2005& U;w bf.M;k ,';ksjasl daiuh fyfeVsM cuke~ f=ykspu tkus] fu.kZ; fnukad 09-12-2009 izLrqr fd;k gSA bl U;kf;d n`"Vkar okys ekeys esa nks fnu nsjh ls izFke lwpuk ntZ djok;h xbZ Fkh rFkk 09 fnu nsjh ls chek daiuh dks lwfpr fd;k x;k FkkA 3 jkT; vk;ksx]lfdZV cSap]dksVk vihy la[;k 106@2012 fu.k;Z fnuakd 21-12-2020 chek daiuh us ekuuh; jk"Vªh; vk;ksx dk ,d vU; U;kf;d n`"Vkar izFke vihy la[;k 426@2004& nh U;w bf.M;k ,';ksjasl daiuh fyfeVsM cuke~ /keZflag o vU;] fu.kZ; fnukad 04-07-2006 izLrqr fd;k gSA bl U;kf;d n`"Vkar okys ekeys esa nks efgus ckn iqfyl esa fjiksVZ ntZ djok;h xbZ Fkh rFkk ,d efgus ckn chek daiuh dks lwfpr fd;k x;k FkkA 9& ekuuh; loksZPp U;k;ky; ds U;kf;d n`"Vkar flfoy vihy la[;k 653@2015&xqjflanj flag cuke~ Jhjke tujy ba';ksjsal daiuh fyfeVsM] fu.kZ; fnukad 24-01-2020 ds ekeys esa rF; bl izdkj ls Fks fd VSªDVj fnukad 28-10-2010 dks pksjh gqvk Fkk] iqfyl esa fjiksVZ mlh fnu ntZ gks x;h Fkh fdUrq chek daiuh ds ;gak djhc 52 fnu i'pkr~ fnukad 15-12-2010 dks nkok izLrqr fd;k x;k Fkk rc ekuuh; loksZPp U;k;ky; us chek ikWfylh dh 'krZ la[;k&1 dk foospu djrs gq, ;g ekuk fd tc okgu dh pksjh vFkok ,slk gh vU; dksbZ vkijkf/kd d`R; gksrk gS rc chek ikWfylh dh 'krZ la[;k&1 dk f)rh; Hkkx izHkko esa vkrk gS D;ksafd pksjh ds ekeyksa esa lcls igys iqfyl dks fjiksVZ nh tkrh gS rFkk iqfyl ds }kjk tkWap fd;s tkus ij vafre fjiksVZ izLrqr gksus ij chek daiuh ds ;gak nkok izLrqr fd;k tkrk gS rc rduhdh vk/kkj ij nkok [kkfjt ugha fd;k tkuk pkfg;sA 10& Ekkuuh; loksZPp U;k;ky; ds U;kf;d n`"Vkar flfoy vihy la[;k 15611@2017& vkse izdk'k cuke~ fjyk;al tujy 4 jkT; vk;ksx]lfdZV cSap]dksVk vihy la[;k 106@2012 fu.k;Z fnuakd 21-12-2020 ba';ksjsl a daiuh fyfeVsM] fu.kZ; fnukad 04-10-2017 ds ekeys esa fnukad 23-03-2010 dks okgu pksjh gqvk Fkk ftldh fjiksVZ iqfyl esa nwljs fnu fnukad 24-03-2010 dks ntZ djok;h xbZ rFkk fnukad 31-03-2010 dks chek daiuh dks lwpuk nh xbZ Fkh rc ekuuh; loksZPp U;k;ky; us ;g ekuk fd lkekU; izKk okyk dksbZ O;fDr viuk okgu pksjh gksus ij lkekU; rkSj ij lh/ks gh chek daiuh ds ;gak {kfriwfrZ ds fy, ugha tkosxk cfYd lcls igys og vius okgu dks ryk'k djus dk iz;Ru djsxkA ekuuh; loksZPp U;k;ky; us bl U;kf;d n`"Vkar esa ;g ekuk fd dsoyek= nsjh ds vk/kkj ij rduhdh rjhds ls {kfriwfrZ ds nkos dks [kkfjt dj nsuk mfpr ugha gSA ;g Hkh ekuk x;k fd okLrfod nkos dks dsoyek= nsjh ds vk/kkj ij [kkfjt dj fn;k tkuk mfpr ugha gSA ekuuh; loksZPp U;k;ky; us ;g Hkh ekuk fd miHkksDrk laj{k.k vf/kfu;e miHkksDrkvksa ds fy, ykHkdkjh m)s';ksa ds fy, cuk;k x;k gS blfy, bldk foospu dBksjrk ls ugha fd;k tkuk pkfg;sA 11& gLrxr izdj.k esa i=koyh ij miyC/k chek daiuh dh vksj ls fu;qDr losZ;j dh vUos"k.k fjiksVZ fnukad 22-07-2008 miyC/k gS] blds voyksdu ls ;g ik;k tkrk gS fd losZ;j us iqfyl Fkkuk] NcM+k ls Hkh vUos"k.k fd;k gSA viuh vUos"k.k fjiksVZ esa Li"V :i ls iqfyl dks lwfpr djus dh frfFk okys dkWye esa vUos"k.kdrkZ us fnuakd 17-03-2008 dks ok;j ySl djok fn;k tkuk vafdr fd;k gSA blh vUos"k.k fjiksVZ ds ist&2 esa ^^rF;ksa 5 jkT; vk;ksx]lfdZV cSap]dksVk vihy la[;k 106@2012 fu.k;Z fnuakd 21-12-2020 dk fo'ys"k.k ,ao fu"d"kZ^^ 'kh"kZd esa iSjkxzkQ&1 esa ifjoknh@vihykFkhZ ds }kjk fn;s x;s c;kuksa dk laf{kIr fy[kk gS ftlesa Hkh vUos"k.kdrkZ us ;g fy[kk gS fd ifjoknh@vihykFkhZ us iqfyl Fkkuk] NcM+k esa rqjUr VsªDVj dh lwpuk nh FkhA vUos"k.kdrkZ us viuh fjiksVZ ds ist&3 ij ^^fu"d"kZ^^ 'kh"kZd esa iSjkxzkQ&8 esa fuEufyf[kr rF; fy[ks gS%& ^^lEcfU/kr Fkkuk&NcM+k] ftyk ckajk 'kgj ds iqfyl vf/kdkfj;ksa us crk;k fd mDr VSªDVj pksjh dh lwpuk fnukad 15-03-2008 dks izkIr gks xbZ Fkh ,ao fnukad 21-03-2008 dks FIR ntZ djok;h x;h ftldk FIR uacj 98@08 fnukafdr 21-03-2008 U/s 379 of IPC ntZ dh FkhA eksVjlkbZfdy dk vHkh rd dqN irk ugha pyk gS ,ao muds }kjk vneirk eky eqfYte ntZ dj FR uacj 27@08 fnukafdr 31-05-2008 U/s 379 of IPC tkjh dj nh gSA^^ mijksDr dFkukW'a k ls Li"V gS fd vUos"k.kdrkZ dks iqfyl Fkkuk]NcM+k] ftyk ckjka ds iqfyl vf/kdkfj;ksa us ;g crk;k Fkk fd VSªDVj pksjh dh lwpuk fnukad 15-03-2008 dks izkIr gks x;h FkhA bl izdkj gLrxr izdj.k esa ;g Li"V gS fd ifjoknh@vihykFkhZ us iqfyl Fkkuk NcM+k] ftyk ckjka ij tkdj ?kVuk ds rqjUr i'pkr~ fnukad 15-03-2008 dks gh lwpuk ns nh Fkh rFkk mUgksaus ok;j ySl Hkh djok fn;k FkkA chek daiuh 6 jkT; vk;ksx]lfdZV cSap]dksVk vihy la[;k 106@2012 fu.k;Z fnuakd 21-12-2020 ds vUos"k.kdrkZ ds }kjk fd;s x;s vUos"k.k ls gh mijksDr rF; Li"V gS fd ifjoknh@vihykFkhZ us ?kVuk ds rqjUr i'pkr~ fnukad 15-03-2008 dks iqfyl Fkkuk NcM+k] ftyk ckjka esa VSªDVj pksjh dh lwpuk ns nh FkhA iqfyl ds }kjk N% fnu ckn fnukad 21-03-2008 dks izFke lwpuk fjiksVZ pkWd dh xbZ gS ftlesa ifjoknh dh dksbZ xyrh ugha gSA 12& gLrxr izdj.k esa foi{kh@izR;FkhZ la[;k ,d chek daiuh ds ;gak mDr VSªDVj 3]06]000@&:i;s ¼rhu yk[k N% gtkj :-½ dher ekurs gq, chek gksuk Lohd`r rF; gSA mijksDr foospu ls ;g lkfcr gS fd fnukad 14-03-2008 dks jkr esa VSªDVj pksjh gksus ds ckn lqcg fnukad 15-03-2008 dks pksjh dh tkudkjh feyrs gh ifjoknh@vihykFkhZ ds }kjk iqfyl Fkkuk NcM+k] ftyk ckjka esa lwpuk ns nh xbZ gS rFkk muds }kjk ok;j ySl Hkh djok;k x;k gSA ifjoknh@vihykFkhZ ds }kjk 16 fnu i'pkr~ chek daiuh ds ;gak nkok Hkh izLrqr dj fn;k x;k gSA foi{kh@izR;FkhZ la[;k ,d chek daiuh dk ,slk ekeyk ugha gS fd mUgksaus pksjh dks lafnX/k ekuk gksA iqfyl us Hkh vius vUos"k.k esa pksjh dks lafnX/k gksuk ugha ekuk gSA ekuuh; loksZPp U;k;ky; us vius mijksDr U;kf;d n`"Vkarksa esa ;g ekuk gS fd rduhdh vk/kkj ij nkok [kkfjt ugha fd;k tkuk pkfg;sA gekjh jk; esa fo}ku ftyk miHkksDrk eap] ckjka ds }kjk vius vk{ksfir fu.kZ; esa bl rF; ij /;ku ugha fn;k gS fd ifjoknh@vihykFkhZ us ?kVuk dh tkudkjh 7 jkT; vk;ksx]lfdZV cSap]dksVk vihy la[;k 106@2012 fu.k;Z fnuakd 21-12-2020 gksrs gh iqfyl Fkkuk NcM+k] ftyk ckjka esa rqjUr lwpuk ns nh FkhA vr% gekjh jk; esa ifjoknh@vihykFkhZ dks {kfriwfrZ feyuh pkfg;s] vihy Lohdkj fd;s tkus ;ksX; gSA vkns'k vihykFkhZ@ifjoknh dh vksj ls izLrqr ;g vihy foi{kh@izR;FkhZ la[;k ,d chek daiuh ds fo:) Lohdkj dh tkrh gSA fo}ku ftyk miHkksDrk eap] ckjka ds }kjk ifjokn izdj.k la[;k 70@2009& vkse izdk'k lkgw cuke~ fjyk;al tujy ba';ksjsl a daiuh fyfeVsM ,ao vU; esa ikfjr fu.kZ; fnuakd 16-08-2012 vikLr fd;k tkrk gSA foi{kh@izR;FkhZ la-,d chek daiuh dks ;g vkns'k fn;k tkrk gS fd og ,d ekg esa ifjoknh@vihykFkhZ ds }kjk iwoZ esa izLrqr nkos ds vk/kkj ij chek ikWfylh esa okgu dh dher ds vuqlkj 3]06]000@&:i;s ¼rhu yk[k N% gtkj :i;s ½] ekufld larki isVs 20]000@&:i;s ¼chl gtkj :i;s ½ rFkk ifjokn O;; isVs 3]000@&:i;s ¼rhu gtkj :i;s ½ dh jkf'k vnk djsx a sA vkns'k dh ikyuk ,d ekg esa ugha djus ij foi{kh@izR;FkhZ la[;k ,d chek daiuh ifjoknh@vihykFkhZ dks mDr jkf'k ij 09 izfr'kr okf"kZd dh nj ls vnk;xh rd C;kt vnk djsx a sA rn~uqlkj vihy fuLrkfjr dh tkrh gSA ¼ jkeQwy xqtZj ½ ¼ lqjsUnz dqekj tSu ½ lnL; lnL; ¼U;kf;d½ 8 jkT; vk;ksx]lfdZV cSap]dksVk vihy la[;k 106@2012 fu.k;Z fnuakd 21-12-2020 @jkts'k@ 9