State Consumer Disputes Redressal Commission
Gangeshwar Ram vs D.M Oriental Insurance Co.Ltd. on 7 September, 2018
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2018/388 lafLFkr fnukad: 20-04-2018 xaxs'oj jke vk- ljktq jke ] mez&64 o"kZ ] fuoklh xzje danjbZ Fkkuk t;uxj rglhy o ftyk lwjtiqj ¼N-x-½ --------- vihykFkhZ@ifjoknh fo:} fMohtuy eSustj] vksfj,aVy ba';ksjsal daiuh fyfeVsM] vacsMdj pkSd ] vafcdkiqj ftyk ljxqtk ¼N-x-½ --------- mRrjoknh @vukosnd le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k-
ekuuh; Jh Mh-ds-iksn~nkj] lnL;-
ekuuh;k Jhefr :fp xks;y ] lnL; -
i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh lw;Zdkar 'kekZ vf/koDrk A mRrjoknh dh vksj ls Jh jru iqf"V vf/koDrk A vkns'k fnukad% 07@ 09@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@ifjoknh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] // 2 // ljxqtk vafcdkiqj ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&52@2017 esa ikfjr vkns'k fnukad& 22-03-2018 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :i ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd& ^^¼d½ vukosn d ifjoknh dks ,d ekg ds Hkhrj izf rdj jkf'k :- 1]56]055@&¼,d yk[k NIiu gtkj ipiu :i,½ ,oa mDr jkf'k ij fnukad &11-04-2017 ls N% izf r'kr okf"kZd dh nj ls C;kt lfgr la n k; djs a A ¼[k½ vukosn d ] ifjoknh dks ekufld O;Fkk gsr q :- 3000@&¼rhu gtkj :i,½ lan k; djs a A ¼x½ bl ifjokn dk O;; vukosn d Loa ; rFkk ifjoknh dk Hkh okn O;; :-2500@&¼iPphl lkS :i,½ vnk djs a A** ls nqf[kr gksdj izLrqr fd;k gS A 02- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh ds okgu LdkfiZ;ksa Ogh-,y-,l- okgu iath;u Øekad&lh-th-15 lh D;w 2031 dk vukosnd }kjk foLr`r chek ikWfylh Øekad&191494@2016@446 chek vof/k fnukad&20-09-2015 ls 19-09- 2016 rd ds fy, fizfe;e jkf'k 19969@&¼mUuhl gtkj ukS lkS mugRrj :i,½ ysdj fd;k x;k Fkk A chfer okgu dk fnukad&20-05-2016 dks nq?kZVuk gks x;k gS ] ftlls pkyd dh e`R;q ,oa okgu cqjh rjg {kfrxzLr gks x;k Fkk A nq?kZVuk ds le; oS/k pkyd Lo- vejukFk Mh-,y-uacj lh- th-15 20130002301 ds }kjk okgu pyk;k tk jgk Fkk A nq?kZVuk ij iqfyl Fkkuk mn;iqj us vijk/k Øekad&0051@2016 ntZ dj pkyd dh // 3 // e`R;q ds dkj.k [kkRek fd;k gS A ifjoknh us vuksond chek daiuh dks nq?kZVuk dh lwpuk nsdj e;ad eksVlZ dk bLVhesV ds lkFk Dyse izLrqr fd;k ] ftl ij vukosnd us Dyse uacj&191400@31@2017@0030167 ntZ dj okgu cuokus dk funsZ'k fn;k A ifjoknh dk okgu cudj rS;kj gksus ij og vafre fcy jkf'k :-2]32]000@&¼nks yk[k cRrhl gtkj :i,½ losZ;j ds ek/;e ls chek daiuh ds le{k izLrqr fd;k A vukosnd chek daiuh us vius fnukad&23-01-2017 ls ifjoknh dks lwpuk fn;k fd nks ikWfylh 'krksZa ds Hkax gksus ds dkj.k nkok fujLr fd;k x;k gS A igyk nq?kZVuk ds le; okgu ij {kerk ls T;knk Hkkj Fkk rFkk nwljk pkyd 'kjkc ih;k gqvk Fkk A iath;u iqfLrdk ds vuqlkj yksMsM okgu dk otu 2550 fd-xzk rFkk [kkyh okgu dk otu 1850 fd-xzk gS vFkkZr okgu ij lokjh dk otu 700 fd-xzk ls T;knk ugha gksuk pkfg, Fkk vkSj lokjksa dk dqy otu 500 fdyksxzke ls de Fkk ] ftlls ;g izekf.kr gksrk gS fd okgu ij vksoj yksM ugha Fkk A 500 fd-xzk otu esa lhV ij cSBs yksx ,oa muds xksn esa cSBs ukckfyx cPps rFkk xksn okys cPps Hkh gSa A nq?kZVuk ds fy, okgu esa lokj O;fDr;ska dh la[;k dk nq?kZVuk esa ;ksxnku ugha Fkk A okgu pkyd us 'kjkc ugha ih Fkh cfYd dbZ fnuksa ls mls lnhZ [kkalh Fkh ] ftld dkj.k og [kkalh dk flji nokbZ ys jgk Fkk ] fdlh xyrQgeh esa vejukFk dks 'kjkc ihuk crk fn;k x;k gS A ifjoknh ds oS/k nkos dks vukosnd chek daiuh us voS/k rjhds ls fcuk fdlh Bksl vk/kkj ds fujLr dj fn;k gS A blfy, ifjoknh dks ;g ifjokn i= // 4 // izLrqr djus dh vko';drk gqbZ iM+h gS A vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkos A 03- vukosnd us ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ;g vfHkopu fd;k gS fd LdkfiZ;ksa okgu Øekad&lh-th-15 lh D;w 2031 futh mi;ksx gsrq chek ikWfylh ds 'krksZa ds rgr~ ifjoknh ds uke ls fnukad&26-08-2015 ls 25-082016 rd gsrq vukosnd ls chfer gS A dfFkr nq?kZVuk fnukad&20-05-2016 dks gqbZ gS ] ijarq mijksDr dh lwpuk fnukad&06-09-2016 dks vR;ar foyac ls vukosnd dks nh xbZ rFkk foyac ls lwpuk dk dksbZ leqfpr dkj.k Hkh ugha crk;k x;k gs A foyac ls lwpuk ds dkj.k okgu dk LikWV losZ ugha gks ldk gs ] tks fd chek ikWfylh dk ?kksj mYya?ku gS A LikWV losZ ls cpus gsrq gh ifjoknh }kjk foyac ls vukosnd dks lwpuk nh xbZ gs ] ftlls okLrfod rF;ksa ls cpk tk lds A nq?kZVuk dh lwpuk izkIr gksrs gh vukosnd }kjk okgu dh {kfr dk vkadyu losZ;j Jh vkuan eksgu ls djk;k x;k gS ftUgksaus okgu dk izkjafHkd ejEer dh tkap Hkh dh xbZ gS A vafre losZ;j }kjk okgu dh {kfr dk vkadyu :-208074@&fd;k x;k gS ] ftldk vafre fu/kkZj.k chek ikWfylh ds 'krksZa ds rgr fd;k tkrk gS A nkos dk vUos"k.k vuqi esgrk }kjk fd;k x;k gS ] ftudh fjiksVZ ,oa vkijkf/kd izdj.k ds nLrkostksa ds ifjizs{; esa nq?kZVuk ds le; chfer okgu dk pkyd 'kjkc ds u'ks esa Fkk rFkk chfer okgu esa {kerk ls vf/kd O;fDr lokj Fks A izFke lwpuk i= ds vuqlkj chfer okgu fookg dk;Z gsrq cqfdax esa vFkkZr // 5 // fdjk;s HkkM+s ij pkyu dh tk jgh Fkh ] tcfd chfer okgu futh mi;ksx gsrq gS A ifjoknh }kjk Lor% izFke lwpuk i= ntZ djk;h x;h gS ] ftlds vuqlkj okgu cqfdax ij ifjoknh dk iq= gh okgu pkyu djrs gq, ys x;k Fkk rFkk pkyd ds 'ko ijh{k.k fjiksVZ esa 'kjkc dk ys[k gS A chfer okgu xzke jruiqj ls mn;iqj ds lydk xkao ohj cgknqj dh ckjkr ysdj xbZ Fkh A dfFkr nq?kZVuk esa pkyd vejukFk ] nqxZ izlkn ] nqYgk ohj cgknqj rFkk nqYgu jhrk dh e`R;q gqbZ gS rFkk nq?kZVuk esa 7 yksxksa dks pksVsa vkbZ gSa A mijksDrkuqlkj chfer okgu esa nq?kZVuk ds le; 11 O;fDr lokj Fks ] tcfd chfer okgu dh flfVax ek= 7 yksxksa dh gS A okgu dk otu okgu ds jftLVsªs'ku ds ifjizs{; esa gh ekU; gS A ifjoknh okgu ds otu ij fo'okl djrs gSa rks mUgsa okgu ds flfVax dSisflVh ls Hkh badkj ugha djuk pkfg, vkSj mijksDr chek ikWfylh dk mYya?ku gS A [kkalh dk dksbZ izek.k ugha gS A ih-,e- fjiksVZ esa [kkalh ds nok dk ys[k ugha gS ] cfYd 'kjkc ys[k gS A ifjoknh dk nkok Bksl vk/kkj ij vukosnd }kjk fujLr dj lsok esa deh ugha dh xbZ gS A ifjoknh dk ifjokn lO;; fujLr fd;s tkus ;ksX; gS A 04 ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k okgu dh iath;u iqfLrdk dh Nk;kizfr ¼Anx-A-1½ okgu dk chek izek.k i= dh Nk;kizfr ¼Anx-A-2½ Fkkuk mn;iqj esa djk;k x;k ,Q-vkbZ-vkj dh Nk;kizfr ¼Anx-A-3½ okgu pkyd dk pkyu vuqKfIr dh Nk;kizfr ¼Anx-A-4½ okgu ejEer~ dk fcy dh Nk;kizfr ¼Anx-A-5½ chek nkok // 6 // fujLr djus dk vukosnd dk i= dh Nk;kizfr ¼Anx-A-6½ dks nLrkost ds :i esa izLrqr fd;k gSA 05- vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k dh chek daiuh dk i= fnukad&16-01-2017 ,oa 23-01-2017 dh Nk;kizfr ¼Anx-D-1) chek ikWfylh dk Dyse QkeZ dh Nk;kizfr ¼Anx-D-2) losZ;j vkuan eksgu xksLokeh dh fujh{k.k fjiksVZ e; losZ fjiksVZ dh Nk;kizfr ¼Anx-D-3) vUos"k.k fjiksVZ dh Nk;kizfr ¼Anx-D-4 (I)) vafre izfrosnu dh Nk;kizfr ¼Anx-D-4 (II))] izFke lwpuk i=] dh Nk;kizfr ¼Anx-D-4 (III))okgu dh vkj-lh-dh Nk;kizfr ¼Anx-D-IV) 'ko izfronsu fjiksVZ] uD'kk iapk;rukek dh Nk;kizfr ¼Anx-D-5 ) dks nLrkost ds :i esa izLrqr fd;k gSA 06- ftyk Qksje us mlds le{k izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ifjoknh ds ifjokn dks vkaf'kd :i ls Lohdkj fd;k x;k gS ] ftlds fo:) ;g vihy gSA 07- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys vf/koDrk Jh lw;Zdkar 'kekZ dk ;g rdZ gS fd ifjoknh okgu Øekad&lh-th-15 lh D;w 2031 dk iathd`r Lokeh Fkk ] tks fd vukosnd ds ikl fnukad& 20-09-2015 ls 19-09-2016 dh vof/k ds fy, chfer Fkk vkSj chek vof/k ds nkSjku fnukad&20-05-2016 dks okgu nq?kZVuk gks x;k Fkk ] ftldh lwpuk iqfyl Fkkuk mn;iqj esa nh xbZ Fkh ] tgka vijk/k // 7 // Øekad&51@2016 ntZ fd;k x;k Fkk A pwafd ] nq?kZVuk esa pkyd dh e`R;q gks x;h Fkh ] blfy, [kkRek ntZ fd;k x;k Fkk vkSj bldh lwpuk vukosnd chek daiuh dks nsrs gq, nkok izLrqr fd;k Fkk ] ijarq vukosnd daiuh us vuqfpr vk/kkj ij nkok fujLr dj fn;k Fkk A ifjoknh us vius okgu dks lq/kkj djkus esa jkf'k :-2]32]000@&¼nks yk[k cRrhl gtkj :i,½ O;; fd;k Fkk vkSj mls nq?kZVuk LFky vafcdkiqj ls Øsu ls Vkspu djuk iM+k Fkk A okgu ykus esa :- 4000@&¼pkj gtkj :i,½ dk Hkh O;; djuk iM+k Fkk ] ijarq ftyk Qksje us ek= :- 1]56]000@&¼,d yk[k NIiu gtkj :i,½ ejEer~ ds fy, isBs vkSj ekufld ihM+k ds fy, :- 3000@& ¼rhu gtkj :i,½ ,oa okn&O;; gsrq :- 2500@&¼iPphl lkS :i,½ fnyk;k gS] tks vR;f/kd de gS A ftyk Qksje us bu lc rF;ksa dks /;ku fn;s fcuk =qfViw.kZ vkns'k ikfjr fd;k gS A vr% ftyk Qksje }kjk ikfjr vkns'k esa la'kks/ku fd;k tkos ,oa vihykFkhZ@ifjoknh ds vihy dks Lohdkj fd;k tkdj ifjokn&i= esa of.kZrvuqlkj vuqrks"k iznku dh tkos A 08- mRrjoknh@vukosnd dh vksj ls milatkr gksus okys vf/koDrk Jh jru iqf"V dk ;g rdZ gS fd ifjoknh us chek 'krksZa dk mYya?ku fd;k gS A ifjoknh }kjk okgu dks cqfdax esa pyk;k tk jgk Fkk rFkk nq?kZVuk ds le; pkyd 'kjkc ds u'ks esa Fkk vkSj ftlds dkj.k nq?kZVuk dkfjr gqbZ gS A okgu esa cSBus dh {kerk 7 Fkh ] tcfd 14 O;fDr;ksa dks nq?kZVuk ds le; fcBk;k x;k Fkk A ,slh fLFkfr esa ] ifjoknh }kjk chek // 8 // 'krksZa dk mYya?ku fd;k x;k gS A blfy, ifjoknh fdlh izdkj dh {kfriwfrZ izkIr djus dk vf/kdkjh ugha gS A ftyk Qksje us tks vkns'k ikfjr fd;k gS ] og iw.kZr% mfpr gS A mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS A vr% vihykFkhZ@ifjoknh dk vihy fujLr fd;k tkos 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- tgka rd vukosnd ds }kjk vksOgjyksfMax vkSj {kerk ls vf/kd lokjh fcBkus vkSj pkyd vkSj nq?kZVuk ds le; e|iku ds laca/k esa rdZ fd;k x;k gS ] mDr rdZ Lohdkj fd;s tkus ;ksX; ugha gS ] D;ksafd mRrjoknh@vukosnd @vksfj,aVy ba';kjsal daiuh }kjk vkyksP; vkns'k ds fo:) fdlh izdkj dh dksbZ vihy ugha fd;k x;k gS A oSls Hkh tks iksLVekVZe fjiksVZ izLrqr fd;k x;k gS ] mlds vk/kkj ij ;g ugha izdV gksrk gS fd nq?kZVuk ds le; ] pkyd 'kjkc ds u'ks ds izHkko esa Fkk vkSj ftlds dkj.k ls nq?kZVuk dkfjr gqbZ gS A 11- DARCL Logistics Ltd. s. ICICI Lombard GIC Ltd. & Others, II (2016) CPJ 620 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Sanctioned carrying capacity of vehicle was 49 MT whereas load was 242 MT at time of accident - Such abnormal overloading will be // 9 // cause of an accident and violates provisions of insurance policy - It will be encouraging those, who believe in overloading vehicle and care not even a fig for serious accidents - State Commission had taken correct view and had not granted any amount."
12. Lakhmi Chand Vs. Reliance General Insurance , II (2016) CPJ 3 (SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Accident was caused on account of rash and negligent driving of offending vehicle. FIR under Sections 337, 338, 304A and 427 of IPC registered against driver of vehicle. Insurance Company not produced any evidence on record to prove that accident occurred on account of overloading of passengers in goods carrying vehicle. For the insurer to avoid liability, breach of policy must be so fundamental in nature that it brings contract to an end. Violation of policy conditions not established. Repudiation not justified."
13. Oriental Insurance Company vs. Girbar Sinh Nandwanshi & Anr. 2015 (3) CPR 299 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "the claim repudiated on ground of overloading, in a case of overloading claim has to be processed on non-standard basis. In case of overloading of a vehicle, beyond licensed carrying capacity, claim preferred by Insured should be paid @ 75% of admissible claim."
14. Oriental Insurance Company Limited & Anr. vs. Rajak 2015 (3) CPR 375 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "In case of overloading of vehicle beyond licence carrying capacity claim is admissible upto 75% on non-standard basis."
// 10 //
15. Ganjpal Patre Vs. Oriental Insurance Company Limited, IV (2016) CPJ 231 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "In the case of overloading, the claim can be allowed on non-standard basis."
16- bl vk;ksx ds izFke vihy dzekad&,Q,@2017@544 f'koiwtu dq'kokgk fo:} fn vksfj;saVy ba';ksjsal daiuh fyfeVsM }kjk 'kk[kk dk;kZy;] vkns'k fnukad&08-11-2017 esa Hkh ;g fu/kkZfjr fd;k x;k gS fd%& **dsoy bl vk/kkj ij fd okgu esa 12 lokjh cSBs gq, Fks] ifjoknh ds nkos dks vLohdkj djuk mfpr ugha gS] vfirq ifjoknh vekud vk/kkj ij (Non Standard Basis) {kfriwfrZ ikus dk vf/kdkjh gSA** 17- mijksDr U;k; n`"Vkrksa ds ifjizs{; esa ] dsoy vksOgj yksfMax ds vk/kkj ij ifjoknh ds nkos dks fujLr ugha fd;k tk ldrk rFkk vukosnd chek daiuh us ftyk Qksje ds vkns'k dks pqukSrh ugha fn;k gS vkSj ,slh fLFkfr esa ] ftyk Qksje us tks ;g fu"d"kZ fudkyk gS fd vukosnd us vius jsiqfM;s'ku ysVj esa foyac ds laca/k esa ] vk/kkj ugha fy;k gS vkSj nkos dks vksOgjyksfMax vkSj pkyd ds u'ks esa gksus ds vk/kkj ij fujLr fd;k gS A ,slh fLFkfr esa ] vukosnd dk ;g vk/kkj fd foyac ls lwpuk fn;k x;k Fkk ] Lohdkj fd;s tkus ;ksX; ugha gS vkSj ftyk Qksje us mfpr :i ls vLohdkj fd;k gS rFkk ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&11 esa Li"V :i ls crk;k x;k gS fd // 11 // nq?kZVuk ds le; 11 O;fDr lokj Fks vkSj bl izdkj ifjoknh us chek 'krksZa dk mYya?ku fd;k gS vkSj ftyk Qksje }kjk vekud vk/kkj ij (Non Standard Basis) {kfriwfrZ dh jkf'k fnyk;k gS A 18- ftyk Qksje us tks vekud vk/kkj ij (Non Standard Basis) :- 1]56]055@&¼,d yk[k NIiu gtkj ipiu :i,½ {kfriwfrZ ds :i esa ] :- 3000@&¼rhu gtkj :i,½ ekufld {kfr ds :i esa ,oa :-
2500@&¼iPphl lkS :i,½ okn&O;; ds :i esa fnyk;k gS ] og iw.kZr% mfpr gS mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS A pwafd ifjoknh Loa; ds }kjk chek 'krksZa dk mYya?ku fd;k x;k gS A ,slh fLFkfr esa ] ifjoknh {kfriwfrZ ,oa ekufld {kfriwfrZ esa o`f) ikus dk vf/kdkjh ugha gS A ftyk Qksje us tks jkf'k fnyk;k gS ] og iw.kZr% mfpr gS A 19- vr% vihykFkhZ@ifjoknh dh vksj ls izLrqr vihy lkjghu gksus ls fujLr fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&22-03-2018 dh iqf"V dh tkrh gS A bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh-ds-iksn~nkj½ ¼Jhefr :fp xks;y½ v/;{k lnL; lnL;
07@09@2018 07@09@2018 07@09@2018