State Consumer Disputes Redressal Commission
United India Insurance Co.Ltd. vs Vijaynath & Ors. on 12 March, 2019
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ih-ds-iky vf/koDrk A // 2 // mRrjoknh Øekad&1 dh vksj ls Jh fo|kuan jktiwr vf/koDrk A mRrjoknh Øekad&2 ]3 ,oa 4 dh vksj ls Jh vk'kh"k JhokLro vf/koDrk A vkns'k fnukad% 12 @ 03@2019 }kjk%&ekuuh; Jhefr :fp xks;y ]lnL;k vihykFkhZ@vukosnd Øekad&1 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] txnyiqj ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&lh-lh-@24@2016 esa ikfjr vkns'k fnukad&28-07-2018 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :i ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd %& 1- ifjoknh vukosn d Øekad &1 chek dai uh ls mlds LokfeRo dh okgu rosj k lso jysV C.G.-17-D-0895 ds {kfrxzL r gksu s ij {kfrjkf'k :-4]50]000@&¼pkj yk[k ipkl gtkj :i,½ izk Ir djus dk vf/kdkjh gS A vr% vukosn d Øekad &1 chek dai uh vkosn d dks mDr {kfr jkf'k vkns' k fnukad ls 30 fnu ds van j izn ku djsa A 2- vkosn d ekufld {kfr jkf'k :- 10]000@&¼nl gtkj :i,½ vukosn d Øekad &1 chek dai uh ls izk Ir djus dk vf/kdkjh gS A vr% vukosn d Øekad &1 chek dai uh vkosn d dks mDr {kfr jkf'k vkns' k fnukad ls 30 fnu ds van j izn ku djsa A // 3 // 3- vukosn d Øekad &1 ds }kjk fu;r vof/k esa {kfriwfrZ jkf'k izn ku ugha fd;k tkrk gS ] rks mDr jkf'k ij vkns' k fnukad ls Hkqxrku frfFk rd 9 izfr'kr lk/kkj.k okf"kZd C;kt ns; gksxk A 4- ifjoknh dk ifjokn O;; :- 2000@&¼nks gtkj :i,½ vukosn d Øekad &1 vius ifjokn O;; ds lkFk ogu djsxk A vukosn d Øekad &2 ls 4 viuk ifjokn O;; Loa; ogu djsax s 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 us vukosnd chek laLFkku ls viuh okgu Vosjk lsojysV C.G.-17-D-0895 dks vukosnd dh daiuh ls fof/kor~ fnukad& 18-01-2011 dks chek djok;k Fkk A :- 16]000@& ¼lksyg gtkj :i,½ chek fizfe;e dk Hkqxrku vukosnd dks fd;k x;k gS A ftldh ikWfylh uacj 19051@31@10@01@00012753 gS rFkk ;g fnukad 19-01-2011 ls 18-01-2012 rd ds fy, oS/k Fkk A ifjoknh dks mDr okgu fnukad& 11-01-2011 dks N.H.43 tVk;qVsdjh ds ikl Qjlxkao vkSj chjxkao ds e/; nq?kZVukxzLr gks xbZ Fkh ] ftldh fjiksVZ ij Fkkuk Qjlxkao dh iqfyl us vijk/k Øekad&02@11 varxZr /kkjk&279 ] 337 Hkk-n-fo- ds rgr~ ekeyk iathc) dj mijksDr okgu dks ?kVukLFky ls tCr dj Fkkuk ds izkax.k esa [kM+k dj j[kk gqvk Fkk A fnukad&26-01-2011 dks xzke // 4 // Qjlxkao esa vU; nq?kZVuk ls vkØksf'kr gksdj 300&400 yksx Fkkuk ds izkax.k ds njoktk ds pSu dks rksM+ dj vanj ?kql x;s rFkk rksM+&QksM+ djrs gq, Fkkuk esa [kM+h vU; okguksa dks feV~Vh dk rsy Mkydj tykus yxs A mDr ?kVuk esa vkosnd dh okgu dks feV~Vh dk rsy Mkydj tyk fn;k ] ftlls ifjoknh dk okgu Vosjk iwjh rjg ls tydj u"V gks x;h A bl ?kVuk dh fjiksVZ Fkkuk Qjlxkao }kjk ntZ djok;k x;k ] tks fd vijk/k Øekad&05@11 varxZr /kkjk&147] 148 ]149 ] 395 ]353] 436 Hkk-n-fo- rFkk 3] 4 yksd laifRr {kfr fuokj.k vf/kfu;e ds rgr~ iathc) fd;k x;k gS A ifjoknh us vius mijksDr okgu Vosjk ds tyk fn;s tkus ls vkfod ds fu;ekuqlkj vukosnd daiuh ls mijksDr okgu dh chek jkf'k : 8]50]000@&¼vkB yk[k ipkl gtkj :i,½ dh ekax fd;k] fdarq vukosnd dh daiuh ds }kjk ifjoknh dks fujarj ?kqek;k tkrk jgk rFkk fnukad&16-12-2011 dks ifjoknh dks {kfr jkf'k dk Hkqxrku djus ls ^ uks Dyse * dk i= tkjh dj Dyse chek jkf'k ds Hkqxrku dks nsus ls Li"V euk dj fn;k ] ftl dkj.k ifjoknh us LFkkbZ ,oa fujarj yksd vnkyr ¼tu mi;ksxh lsok,a½ txnyiqj ds le{k vkosnu is'k fd;k Fkk ] ftls U;k;ky; }kjk izdj.k Øekad&58@12 esa ntZ fd;k tkdj fnukad&09-04- 2014 dks vukosnd ds dFku ij Dyse ij fopkj dj jkf'k Hkqxrku djus vknsf'kr fd;k x;k Fkk ] fdarq vukosnd ds }kjk ckj&ckj fuosnu fd;s tkus ds mijkar Hkh Dyse lsVy ugha fd;s tkus ds ckn iqu% LFkkbZ ,oa fujarj yksd vnkyr ¼tu mi;ksxh lsok,a½ txnyiqj ds le{k ifjoknh ds }kjk vkosnu is'k fd;k x;k ] tgka ls U;k;ky; ds }kjk mfpr Qksje // 5 // esa vkns'k fn;k x;k LFkkbZ ,oa fujarj yksd vnkyr ¼tu mi;ksxh lsok,a½ txnyiqj ds le{k ds iwoZ esa ikfjr vkns'k dk mYya?ku djus ds dkj.k ;g okn U;k;ky; esa is'k djuk iM+k A ifjoknh dk mijksDr okgu chek vof/k ds e/; esa okgu ds nq?kZVukxzLr ¼tyk½ fn;s tkus ds dkj.k vukosnd daiuh dks fof/kor~ lwpuk nsus ds mijkar Hkh vukosnd chek daiuh }kjk chek 'krZ ds vuqlkj okgu nq?kZVuk ds dkj.k gqbZ {kfr/ku dk Hkqxrku ugha djuk ] vukosndx.k dk O;olkf;d nqjkpj.k dh Js.kh eas vkrk gS A ftlds dkj.k ifjoknh dks ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkos A 03- ftyk Qksje ds le{k vukosnd Øekad&1 dk fyf[kr dFku bl izdkj jgk gS fd vkosnd dh Vosjk lsojysV C.G.-17-D-0895 dks fnukad&11-01-2011 dks jk"Vªh; jktekxZ Øekad&43 tVk;qVsdjh ds ikl Qjlxkao vkSj chjxkao ds e/; nq?kZVukxLr gks xbZ vkSj Fkkuk Qjlxkao dh iqfyl us vijk/k Øekad&02@11 varxZr /kkjk&279 ] 337 Hkk-n-fo- ds rgr~ ekeyk iathc) dj mijksDr okgu dks ?kVukLFky ls tCr dj fy;k Fkk A bl izdkj ?kVuk fnukad 11-01-2011 dks vkosnd dh mDr okgu nq?kZVuk esa {kfrxzLr gks x;h Fkh vkSj nq?kZVuk fnukad 11-01-2011 dks ifjoknh dh okgu chfer ugha Fkh vkSj nq?kZVuk fnukad&11-01-2011 ds ckn mDr okgu dk dCtsnkj Lokeh ifjoknh ugha Fkk A vkosnd fnukad&19-01-2011 dks dCtsnkj Lokeh u gksrs vkSj nq?kZVuk fnukad& 11-01-2011 dks nq?kZVuk esa {kfrxzLr okgu ds rF; dks Nqikrs gq, rFkk // 6 // /kks[kk/kM+h dk d`R; dj vukosnd ds jk;iqj fLFkr dk;kZy; ls chek ikWfylh Øekad&190501@31@10@01@00012753 chek vof/k fnukad&19-01-2011 ls fnukad&18-01-2012 rd izkIr fd;k A pwafd vkosnd us vukosnd dks mDr rF; dh tkudkjh fn;k gksrk rks vukosnd chek daiuh vkosnd dh okgu dk chek ugha djrh A pwafd vkosnd us fo'ks"k rF; (Material Fact) dks Nqikdj vkSj vukosnd ds lkFk /kks[kk/kM+h dk d`R; dj mDr okgu dk chek djok;k Fkk ] bl dkj.k ls okgu dk chek izkjaHk ls gh 'kwU; gS A vr% vkosnd }kjk eksVj okgu vf/kfu;e rFkk chek ikWfylh dh 'krZ ,oa lafonk dk Li"V mYya?ku djus ds dkj.k okgu dk chek Loeso fu"izHkkoh gks tkrk gS A bl dkj.k ls vkosnd {kfriwfrZ dh jkf'k vukosnd chek daiuh ls ikus dk vf/kdkjh ugha gS A vr% okn dkj.k fnukad&11-01-2011 dks mRiUu gks x;k Fkk ] bl dkj.k ls mDr vkosnu&i= dks izLrqr djus dk dksbZ okn dkj.k ifjoknh dks izkIr ugha gS A pwafd ifjoknh dh mDr okgu nq?kZVuk fnukad&11-01-2011 dks chekd`r ugha Fkh ] bl dkj.k ls ifjoknh }kjk mDr okgu dks lqiqnZukesa ij fy;s tkus gsrq U;k;ky; esa dksbZ vkosnu izLrqr ugha fd;k x;k A ifjoknh txnyiqj ftyk cLrj dk fuoklh gS A ifjoknh dk mDr okgu Øekad& C.G.-17-D-0895 ij okgu tIrh fnukad&11-01-2011 ls dksbZ dCtk ,oa vkf/kiR; ugha Fkk A ifjoknh us tku&cw>dj mDr {kfrxzLr okgu ds laca/k esa okgu dk chek djkrs le; fof'k"V :i ls vukosnd chek daiuh dks tkudkjh ugha fn;k vkSj chek daiuh ds lkFk diViwoZd /kks[kk/kM+h dk d`R; dj okgu dk chek djkus esa lQy gks x;k tks fd // 7 // eksVj okgu vf/kfu;e rFkk chek ikWfylh 'krZ ds vuqlkj ikWfylh ewyr% 'kwU; Fkh A ifjoknh us ?kVuk fnukad&26-01-2011 dks Qjlxkao Fkkus esa gqbZ ?kVuk dh tkudkjh vukosnd chek daiuh ds txnyiqj fLFkr dk;kZy; ;k vU; dk;kZy; esa ugha nh vkSj vukosnd chek daiuh ds 'kk[kk dk;kZy; jk;iqj esa ebZ ekg ds vafre lIrkg esa fnukad&23-05-2011 dks lwpuk nh ] rkfd chek daiuh dks lgh tkudkjh u gks lds A ifjoknh us vukosnd chek daiuh dks ?kVuk fnukad&26-01-2011 ,oa fnukad&11-01-2011 ds laca/k esa vfoyac lwpuk uk nsdj chek daiuh dks LFky fujh{k.k ,oa lgh tkudkjh tqVkus ls oafpr fd;k gS rFkk ?kVuk dh lwpuk fnukad&23-05-2011 dks fn;s tkus ,oa chek daiuh dk i= fnukad&07-06-2011 feyus ds ckn Hkh ifjoknh us chek daiuh dks okgu ls lacaf/kr nLrkost ] eksVj nkok izi= rFkk okgu esa vk;h {kfr ds laaca/k esa bLVhesV ugha fn;k ] bl dkj.k ls vukosnd chek daiuh }kjk i= Øekad&190501@36@11 fnukad&16-12-2011 ds ek/;e ls dkj.k n'kkZrs gq, nkok QkbZy can dj ^^uks&Dyse^^ dh lwpuk ifjoknh dks nh xbZ Fkh A ifjoknh us U;k;ky; ds vkns'k fnukad&09-04-2014 ikyu esa Hkh chek daiuh dks okgu dk bLVhesV cuokdj ugha fn;k gS A mDr okgu Fkkuk Qjlxkao iqfyl foHkkx N-x- 'kklu ds dCts ,oa vkf/kiR; esa Fkh ] ftldk nkf;Ro Fkk fd og okgu dks [kqys LFkku esa ugha j[krk A N-x- 'kklu ,oa vukosnd chek daiuh ds e/; fdlh izdkj dh lafonk okgu ds laaca/k esa ugha Fkh ] bl dkj.k ls {kfriwfrZ dh iwjh ftEesnkjh iqfyl foHkkx N-x- 'kklu dh gS A mDr okgu dh {kfr Fkkuk Qjlxkao iqfyl foHkkx // 8 // N-x- 'kklu ds dCts ,oa vkf/kiR; esa gqbZ Fkh ] bl dkj.k ls mDr izdj.k ds fujkdj.k gsrq iqfyl foHkkx N-x- 'kklu Hkh vko';d i{kdkj ] ftUgsa i{kdkj cuk;k tkuk vko';d gS A vr% vko';d i{kdkj ds vHkko esa ifjoknh dk izdj.k izpyu ;ksX; ugha gS A ifjoknh dk ifjokn lO;; fujLr fd;s tkus ;ksX; gS ] vr% ifjokn fujLr fd;k tkos A 04- ftyk Qksje ds le{k vukosnd Øekad&2 ] ,oa 4 us fyf[kr dFku izLrqr djrs gq, mDr okgu vukosnd Øekad&1 chek daiuh esa chekd`r jgus dks vLohdkj fd;k x;k gS A blh rjg ls mDr okgu dh nq?kZVukxzLr gksus o Fkkus esa [kM+h jgus ds njE;ku mDr okgu dks tyk fn;s tkus dks Hkh vLohdkj fd;k x;k gS A nq?kZVuk i'pkr~ Fkkuk Qjlxkao esa fjiksVZ ntZ djk;s tkus ij vijk/k iathc) fd;k x;k Fkk A mDr rF; dks Lohdkj djrs gq, vkosnu esa n'kkZ;s vU; rF;ksa dks vLohdkj fd;k gS ,oa fo'ks"k dFku esa ;g crk;k x;k gS fd fnukad& 11-01-2011 dks okgu Øekad&17 Mh@0895 nq?kZVukxzLr gqbZ Fkh nq?kZVuk okgu rstxfr ,oa ykijokghiwoZd pykus ds dkj.k gqbZ Fkh ] ftlds dkj.k mDr okgu Qjlxkao Fkkus esa tIr Fkh A blds yxHkx 15 fnu ckn fnukad&26-01-2011 dks 8-40 cts x.kra= fnol ds dk;ZØe ds nkSjku jksM nq?kZVuk esa ,d Nk= dh e`R;q gks xbZ Fkh ] ftldh lwpuk ij Fkkuk LVkQ ekSds ij jokuk gq, Fks vkSj blh nkSjku Fkkuk ifjlj ds vanj 300&400 yksx gfFk;kjksa dks yssl gksdj Fkkuk ifjlj esa izos'k fd;s Fks vkSj ,DlhMsaV ds vkjksih ds pkyd lqjs'k dqekj eaMkoh dks HkhM+ dh lqiqnZ // 9 // djus dh dke djrs gq, vR;ar vkØks'k ,oa vkos'k esa ifjlj esa 'kkldh; laifRr dks rksM+QksM+ djus yxs Fks vkSj blh njE;ku HkhM+ esa ls mUgha yksx esa ls fdlh ds }kjk feV~Vh rsy ls Fkkus ds lkeus j[kh tIr dh xbZ xkfM+;ksa Vosjk] cksysjks] bafMdk] 407 ] lqtqdh eksVj lk;fdy ] ghjksgks.Mk LisysaMj vkfn dbZ ,slh xkfM+;ka rksM+QksM+ dj {kfrxzLr dh xbZ Fkh A pwafd bl f'kdk;r esa Vosjk okgu Øekad&17 Mh@0895 Hkh {kfrxzLr gqbZ Fkh A pwafd ;g okgu chekd`r Fkh ] ftldh ftEesnkjh chek daiuh dh gksrh gS ] blesa vukosnd Øekad&2 ls 4 dh dksbZ ftEesnkjh ugha gS A ifjoknh dks chek jkf'k :-8]50]000@&¼vkB yk[k ipkl gtkj :i,½ nsus gsrq vukosnd Øekad&2 ls 4 mRrjnk;h ugha gS A mls vuko';d :i ls lafyIr fd;k x;k gS ] blfy, izdj.k lO;; fujLr fd;k tkos A 05- ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lwph vuqlkj nLrkost izLrqr fd;k x;k gS A 06- vukosnd Øekad&1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lwph vuqlkj nLrkost izLrqr fd;k x;k gS A 07- vukosnd Øekad&2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k dksbZ nLrkost izLrqr ugha fd;k x;k gS A 08 ftyk Qksje us mHk;i{kksa dh vksj ls 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 // 10 // 09- vihykFkhZ@vukosnd Øekad&1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih-ds-ikWy dk ;g rdZ gS fd ftyk Qksje us ;g le>us esa xaHkhj =qfV fd;k gS fd ifjoknh dh vksj ls izLrqr fd;s x;s ^ifjokn&i=^ esa bl ckr ds fy, Li"V dFku n'kkZ;k x;k gS fd okgu dh tyus ls {kfr gksus ds le; mDr okgu iqfyl Fkkuk&Qjlxkao ] ftyk dks.Mkxkao ds vkf/kiR; esa Fkk A mDr dFku dh laLohd`fr fo:) i{kdkj Øekad&2 ] 3 ,oa 4 us Hkh tokcnkok izLrqr dj fn;k gS fd fnukad&11-01-2011 dks nq?kZVuk gksus ds ckn iqfyl Fkkuk ifjlj esa mDr okgu tIr dj j[kk x;k Fkk ] rc fnukad&26-01-2011 dks gfFk;kjksa ls ySl O;fDr;ksa ds }kjk vU;kU; okguksa dks tykus ds lkFk mDr okgu dks tykdj {kfrxzLr fd;k x;k gS ] bl rjg ikfj.kkfed {kfr ds fy, chek daiuh ds fo:) nkok vLohdkj ;ksX; Fkk ] D;ksafd ,rn~ gsrq chek lafonk esa i;kZIr 'krZ n'kkZ;s x, gSa A ifjoknh ds }kjk chek dk;kZy; esa izLrqr eksVj nkok izi= esa mDr dFku dk foyksiu dj {kfr lalwpuk yxHkx 5 ekg foyac ls iznku fd;k x;k gS ] ifjoknh dk mDr dk;Z Hkh chek lafonk dk mYya?ku gS ] D;ksafd chek lafonk 'krksZa ds vuqlkj fdlh Hkh nkos ds fy, laiw.kZ vkSj Rofjr tkudkjh nsus dk dRrZO; chek/kkjd dk gS ] ftlls og foeqDr ugha gks ldrk gS A bl laca/k esa Hkh i;kZIr fopkj u dj Qksje us =qfV fd;k gS ] vr% vkyksP; vkns'k vikLr fd;s tkus ;ksX; gS A vr% vihykFkhZ@vukosnd Øekad&1 dk vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr dj ] ifjoknh // 11 // dk ifjokn fujLr fd;k tkos A vihykFkhZ@vukosnd Øekad&1 ds fo}ku vf/koDrk us vius rdZ ds leFkZu esa National Insurance Company Limited Vs. Deepa Devi and Others 2008 ACJ 705; Purnya Kala Devi Vs. State of Assam and Another 2014 ACJ 1269; Appeal No.FA/2017/906 - Nageshwar Rao Vs. Branch Manager, United India Insurance Co. Ltd. and Others decided by this Commission vide order dated 12.02.2018. U;k; n`"Vkar dk voyacu fy;k gS 10- mRrjoknh Øekad&1@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh fo|kuan jktiwr dk ;g rdZ gS fd ftyk Qksje us tks vkns'k ikfjr fd;k gS ] og iw.kZr% fof/klEer~ vkns'k gS A vr% vihykFkhZ@vukosnd Øekad&1 dk vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkns'k ;Fkkor~ j[kk tkos A 11- mRrjoknh Øekad&2] 3 ,oa 4@vukosnd Øekad&2 ] 3 ,oa 4 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vk'kh"k JhokLro dk ;g rdZ gS fd iz'uk/khu okgu chekd`r gS ] ftldh ftEenkjh chek daiuh dh gksrh gS A blesa mRrjoknh Øekad&2] 3 ,oa 4@vukosnd Øekad&2 ] 3 ,oa 4 dh dksbZ ftEesnkjh ugha gS ,oa ifjoknh ] mRrjoknh Øekad&2] 3 ,oa 4@vukosnd Øekad&2 ] 3 ,oa 4 dk miHkksDrk ugha gS A vr% mDr okn bl vf/kfu;e ds varxZr la/kkj.kh; ugha gS A blh dkj.k ds fy, Qksje }kjk mRrjoknh Øekad&2] 3 ,oa 4@vukosnd Øekad&2 ] 3 ,oa 4 dks nkf;Ro ls eqDr fd;k gS ] tks fd mfpr gS A // 12 // 12- 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 13- ;g Lohd`r gS fd ifjoknh okgu Øekad& C.G.-17-D-0895 dk iathd`r Lokeh gS vkSj mDr okgu fnukad&19-01-2011 ls 18-01-2012 rd dh vof/k ds fy, vihykFkhZ@vukosnd Øekad&1@;wukbZVsM bafM;k ba';ksjsal daiuh ds ikl chfer Fkk A 14- ifjoknh us vius ifjokn&i= dh dafMdk&3 ¼v½ esa ;g crk;k gS fd & ^^ fnukad&26-01-2011 dks xzke Qjlxkao esa vU; nq?kZVuk ls vkØksf'kr gksdj 300&400 yksx Fkkuk ds izkaxM+ ds njoktk ds pSu dks rksM+ dj vanj ?kql x;s rFkk rksM+&QksM+ djrs gq, Fkkuk esa [kM+h vU; okguksa dks feV~Vh dk rsy Mkydj tykus yxs A mDr ?kVuk esa vkosnd dh okgu tks fd izdj.k Øekad&02@2011 esa tIr dh Fkh ] dks feV~Vh dk rsy Mkydj tyk fn;k ] ftlls vkosnd dk okgu Vosjk iwjh rjg ls tydj u"V gks x;h A bl ?kVuk dh fjiksVZ Fkkuk Qjlxkao }kjk ntZ djok;k x;k ] tks fd vijk/k Øekad&05@11 varxZr /kkjk&147] 148 ]149 ] 395 ] 436 ] 353] Hkk-n-fo- rFkk 3] 4 yksd laifRr {kfr fuokj.k vf/kfu;e ds rgr~ iathc) fd;k x;k gS A vkosnd us vius mijksDr okgu Vosjk ds tyk fn;s tkus ls vkosd ds fu;ekuqlkj vukosnd daiuh ls mijksDr okgu dh chek jkf'k : 8]50]000@&¼vkB yk[k ipkl gtkj :i,½ dh ekax fd;k] fdarq vukosnd dh daiuh ds }kjk ifjoknh dks // 13 // fujarj ?kqek;k tkrk jgk rFkk fnukad&16-12-2011 dks ifjoknh dks {kfr jkf'k dk Hkqxrku djus ls ^ uks Dyse * dk i= tkjh dj Dyse chek jkf'k ds Hkqxrku dks nsus ls Li"V euk dj fn;k A** 15- ifjoknh dh vksj ls izFke lwpuk izfrosnu fnukad&26-01-2011 izLrqr fd;k x;k gS vkSj lkFk gh uqdlkuh iapukek ] laifRr tCrh i=d izLrqr fd;k x;k gS A laifRr tCrh i= ls izekf.kr gksrk gS fd fnukad&11-01-2011 dks mDr okgu Fkkuk Qjlxkao dh iqfyl us vijk/k Øekad&02@2011 ds varxZr /kkjk&279] 337 o 338 Hkkjrh; n.M lafgrk ds rgr~ ekeyk iathc) dj mDr okgu dks tCr dj Fkkuk ds izkax.k esa tCr j[kk gqvk Fkk A mDr nLrkost ds vk/kkj ij ;g izekf.kr gS fd ifjoknh dk okgu fnukad&11-01-2011 dks Qjlxkao iqfyl ds }kjk tCr fd;k x;k Fkk ] ftls fnukad&26-01-2011 dks lqcg 8-40 cts HkhM+ }kjk Fkkuk ifjlj esa izos'k dj xkM+h dks {kfrxzLr fd;k x;k Fkk rFkk Fkkus esa rksM+&QksM+ dh xbZ Fkh A bl izdkj Li"V gS fd iz'uk/khu okgu {kfrxzLr gqvk Fkk A 16- vc ;g ns[kuk gS fd D;k ifjoknh ] vihykFkhZ@vukosnd Øekad&1@;wukbZVsM bafM;k ba';ksjsal daiuh ls {kfriwfrZ izkIr djus dk vf/kdkjh gS \ fujkdj.k fuEukuqlkj gS %& 17- vihykFkhZ@vukosnd Øekad&1@;wukbZVsM bafM;k ba';ksjsal daiuh ds fo}ku vf/koDrk ds }kjk ;g rdZ fd;k x;k fd iz'uk/khu okgu // 14 // fnukad&26-01-2011 dks nq?kZVukxzLr gqvk Fkk ] fdarq chek daiuh dks nq?kZVuk dh lwpuk yxHkx 5 ekg ckn fnukad&23-05-2011 dks nh xbZ Fkh ] ftlds dkj.k chek daiuh ] vUos"k.k ] losZ;j ,oa vflLesaV vkfn ugha dj ik;h Fkh A ifjoknh dks nq?kZVuk ds rRdky ckn dqN ?kaVksa ds vanj gh chek daiuh dks lwpuk nsuk pkfg, Fkk ,oa ifjoknh ds }kjk foyac ls lwpuk nsus dk dksbZ Hkh lek/kkudkjd dkj.k Hkh ugha crk;k x;k ] tks fd chek ikWfylh dh 'krksZa dk mYya?ku gS A chek lafonk 'krksZa ds vuqlkj fdlh Hkh nkos ds fy, laiw.kZ vkSj Rofjr tkudkjh nsuk chek/kkjd dk dRrZO; gS A chek daiuh }kjk vius rdZ ds leFkZu esa chek ikWfylh dh izfrfyfi ¼nLrkost Øekad&izn'kZ ,u-,-5½ izLrqr fd;k x;k gS A mDr ikWfylh dh 'krZ Øekad&1 fuEukuqlkj gS & "(1) Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage and the event of any claim and thereafter the insured shall give all such information and assistance as the Company shall require. Every letter, claim, writ summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the Company immediately the insured shall have knowledge of any impending prosecution inquest of Fatal inquiry in respect of any occurrence, which may give rise to a claim under this plicy. In case of theft or criminal act which may be the subject of a claim under this policy the insured shall give immediate notice to the police and co-operate with the company in securing the conviction of the offended."
// 15 // bl lanHkZ esa ifjoknh ds vf/koDrk us rdZ fn;k fd chek daiuh dks VsfyQksu }kjk rRdky lwpuk nh xbZ Fkh ,oa chek daiuh dks fof/kor~ lwpuk nh xbZ Fkh ] fdarq rRdky lwpuk ds laca/k ,oa fof/kor~ lwpuk ds laca/k esa nLrkost izLrqr ugha fd;k x;k gS A chek daiuh }kjk nLrkosst Øekad&52 ,oa ifjoknh }kjk nLrkost Øekad&29 lwpuk i= izLrqr fd;k x;k gS ] ftlds vuqlkj fnukad&23-05-2011 dks chek daiuh dks lwpuk nh xbZ Fkh A mDr nLrkosst ds ifj'khyu ls Li"V gS fd chek daiuh dks lwpuk foyac ls fnukad&23-05-2011 dks iznku dh xbZ Fkh A 18- vihykFkhZ@vukosnd Øekad&1@;wukbZVsM bafM;k ba';ksjsal daiuh ds }kjk vius tokcnkok dh dafMdk&2 esa fuEu dFku fd;k x;k gS %& ^^vkosnd fnukad&19-01-2011 dks dCtsnkj Lokeh u gksrs vkSj nq?kZVuk fnukad&11-01-2011 dks nq?kZVuk esa {kfrxzLr okgu ds rF; dks Nqikrs gq, rFkk /kks[kk/kM+h dk d`R; dj vukosnd ds jk;iqj fLFkr dk;kZy; ls chek ikWfylh Øekad&190501@31@10@01@00012753 chek vof/k fnukad&19-01-2011 ls fnukad&18-01-2012 rd izkIr fd;k A pwafd vkosnd us vukosnd dks mDr rF; dh tkudkjh fn;k gksrk rks vukosnd chek daiuh vkosnd dh okgu dk chek ugha djrh A pwafd vkosnd us fo'ks"k rF; (Material Fact) dks Nqikdj vkSj vukosnd ds lkFk /kks[kk/kM+h dk d`R; dj mDr okgu dk chek djok;k Fkk ] bl dkj.k ls okgu dk chek izkjaHk ls gh 'kwU; gS A vr% vkosnd }kjk eksVj okgu vf/kfu;e rFkk chek ikWfylh dh 'krZ ,oa lafonk dk Li"V mYya?ku djus ds dkj.k okgu // 16 // dk chek Loeso fu"izHkkoh gks tkrk gS A bl dkj.k ls vkosnd {kfriwfrZ dh jkf'k vukosnd chek daiuh ls ikus dk vf/kdkjh ugha gS A** 19- vr% vihykFkhZ@vukosnd Øekad&1 }kjk ftu U;k; n`"Vkarksa dk voyacu fy;k x;k gS ] mldk ykHk mls fn;k tkrk gS A 20- ifjoknh ds }kjk izLrqr tCrh fjiksVZ ,oa vU; nLrkost ls izekf.kr gS fd iz'uk/khu okgu fnukad&11-01-2011 dks Qjlxkao Fkkuk }kjk tCr fd;k x;k Fkk rFkk nq?kZVuk fnukad&26-01-2011 dks mDr iz'uk/khu okgu Qjlxkao iqfyl ds dCts esa Fkh ] tc chek daiuh ds }kjk fnukad& 18-01-2011 dks chek fd;k x;k Fkk ] rc mDr iz'uk/khu okgu iqfyl ds dCts esa Fkh A vr% ifjoknh ds }kjk okgu tCr gksus ds i'pkr~ chek daiuh ds ikl chek djok;k Fkk A chek daiuh dk ;g rdZ gS fd ifjoknh ds }kjk bl tCrh ds rF; dks fNikdj chek djk;k x;k Fkk ] tks fd chek 'krksZa dk mYya?ku gS ] fdarq ifjoknh ds }kjk bl vfHkopu dk [k.Mu ugha fd;k x;k vkSj uk gh blds laca/k esa dksbZ nLrkosth lk{; izLrqr fd;k x;k fd tCrh ds laca/k esa ] chek daiuh dks chek djus le; crk;k x;k Fkk A chek ,d lafonk gS ] tks fd nksuksa i{kksa ij ca/kudkjh gksrh gS ] tks fd ln~Hkko ij vk/kkfjr gksrh gS A ,sls esa ifjoknh ds }kjk ewy rF;ksa dks fNikdj chek dh 'krksZa dk mYya?ku fd;k x;k gS A ,sls esa ifjoknh ] chek daiuh ls fdlh Hkh izdkj ls {kfriwfrZ ikus dk vf/kdkjh ugha gS A // 17 // 21- mijksDr foospuk ds ifjizs{; esa bl rdZ ij igqaps gSa fd ftl le; okgu nq?kZVukxzLr gqbZ Fkh ] ml le; okgu mlds okLrfod Lokeh ¼ifjoknh½ ds vkf/kiR; esa ugha Fkh ] vfirq mDr okgu iqfyl Fkkuk Qjlxkao ds vkf/kiR; esa Fkh A bl izdkj okLrfod Lokeh ¼ifjoknh½ dk ml le; fu;a=.k ugha Fkk A ;g rF; ifjoknh ds }kjk fNikdj rFkk okgu ds tCr gksus ds laca/k esa fcuk crk;s chek djk;k x;k Fkk ,oa nq?kZVuk dh lwpuk Hkh chek daiuh dks foyac ls nh xbZ Fkh A ifjoknh ds }kjk chek dh 'krksZa dk mYya?ku fd;k x;k Fkk A blfy, chek daiuh ifjoknh dks fdlh Hkh izdkj dh {kfriwfrZ djus ds fy, mRrjnk;h ugha gS A vr% vihykFkhZ@vukosnd Øekad&1@;wukbZVsM bafM;k ba';ksjsal daiuh }kjk izLrqr vihy Lohdkj fd;s tkus ;ksX; gS A 22- vr% vihykFkhZ@vukosnd Øekad&1@;wukbZVsM bafM;k ba';ksjsal daiuh dh vihy Lohdkj dh tkrh gS A ftyk Qksje }kjk ifkjr vkyksP; vkns'k fnukad&28-07-2018 vikLr fd;k tkrk gS A bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼ U;k;ewfrZ lh-ch-cktis;h ½ ¼ujsanz xqIrk½ ¼Jhefr :fp xks;y½ v/;{k lnL; lnL;
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