State Consumer Disputes Redressal Commission
Puranmal Yadav vs Sri Ram General Insurance Company ... on 1 January, 2015
1 jkT; miHkksDrk fookn izfrrks"k vk;ksx]cSap uacj 01] jktLFkku]t;iqj vihy la[;k% 550@2014 ,ao 578@2014 550@2014 iwj.key ;kno cuke~ Jhjke tujy ba';ksjsl a daiuh fyfeVsM 578@2014 Jhjke tujy ba';ksjsl a daiuh fyfeVsM cuke~ iwj.key ;kno le{k %& ekuuh; ihBklhu lnL;&Jh 'kf'k dqekj ikjhd ekuuh; lnL;k&Jherh lquhrk jkadk mifLFkr%& Jh v;ktqnhu [kku ,ao Jh lR;izdk'k 'kekZ],M-]iwj.key dh vksj ls Jh ;'knhi flag ]vf/koDrk] chek daiuh dh vksj ls fnuakd 01-01-2015 }kjk jkT; vk;ksx]jktLFkku]t;iqj }kjk% ;g nksuksa vihysa ftyk eap]t;iqj prqFkZ] t;iqj ds ifjokn la[;k 290@2013] fnuakd fu.kZ; 09-04-2014 ls {kqC/k gksdj is'k dh gS] ftlds }kjk ifjoknh dk ifjokn vkaf'kd :i ls Lohdkj dj foi{kh dks vkns'k fn;k x;k fd og chek dh jkf'k 1]07]507-52iSls ifjoknh dks vnk djs rFkk ifjokn is'k djus dh frfFk ls olwyh rd 9 izfr'kr okf"kZd dh nj ls C;kt nsosa ,ao 7500@&:i;s ekufld {kfriwfrZ o ifjokn O;; ds Hkh fnyok;saA laf{kIr esa rF; bl izdkj gS fd ifjoknh dk Vªsyj la[;k vkj-ts- 32 th, 0034 ,d lky ds fy, foi{kh chek daiuh ls chfer FkkA fnukad 07-05-2010 dks vpkud xM~Ms esa mrj tkus ls nq?kZVukxzLr gqvkA ifjoknh 2 us ejEer esa 3]50]000@&:i;s O;; fd;s] fdUrq foi{kh chek daiuh us bl vk/kkj ij Dyse [kkfjt fd;k fd nq?kZVuk ds le; okgu dk okf.kT;d mi;ksx gks jgk FkkA nq?kZVuk ds dkj.k ifjoknh us vyx&vyx crk;sA Vksy VSDl dh jlhn ekaxus ij is'k ugha dhA vr% Dyse [kkfjt dj fn;kA fo}ku ftyk eap us ;g ekuk fd foi{kh us Dyse [kkfjt djus esa lsok nks"k dh gS] fdUrq 3]50]000@&:i;s dh {kfr ds lacU/k esa ifjoknh us dksbZ lk{; is'k ugha dhA vr% losZ;j dh fjiksVZ ds vuqlkj 1]07]507- 52iSls fnyok;s o bl ij C;kt fnyok;kA ifjoknh us 3]50]000@&:i;s vksj fnyokus ds fy, vihy dh gS] tcfd foi{kh dk dFku gS fd tks Dyse fnyok;k x;k gS] og xyr gSA mUgksaus Dyse [kkfjt dj dksbZ xyrh ugha dh gSA cgl lquh xbZA i=koyh dk voyksdu fd;kA chek daiuh dh vihy dk iz'u gS] mudk dFku gS fd ifjoknh us iqfyl fjiksVZ esa okgu ikap&N% QhV xgjs xM~Ms esa fxjus ls pSfll esa uqdlku gksuk fy[kok;k gS] tcfd losZ;j dks fn;s x;s c;ku esa vpkud czSd yxus ls dkj dks pkj okguksa }kjk ihNs ls /kDdk nsus ls nq?kZVuk gksuk dgk gSA okf.kT;d mi;ksx ds lacU/k esa dksbZ lk{; is'k ugha dh gSA ;g Hkh dgk fd Dyse QkeZ esa ifjoknh us eksVjlkbZfdy dks cpkus ds fy, xM~Ms esa fxjuk crk;k gSA geusa ifjoknh ds vf/koDrk ds rdksZa dks lqukA izFke lwpuk fjiksVZ 3 o Dyse QkeZ esa xM~Ms esa okgu mrjuk dgk gS] Dyse QkeZ esa ;g rF; vksj vafdr fd;k gS fd eksVjlkbZfdy dks cpkus ds fy, xMMs esa okgu mrkjk x;kA ;g QkeZ iwj.key us gh nLr[r fd;k gS] fdUrq nksuksa esa nq?kZVuk ds dkj.k esa dksbZ varj ugha gSA losZ;j eukst HkkxZo us fdl vk/kkj ij dkj dks ihNs ls VDdj yxuk dgk gS] ;g ugha crk;k gSA mlus fdlh rjg ds c;ku fy;s gks rks og Hkh is'k ugha fd;sA losZ;j dk dksbZ 'kiFk i= Hkh is'k ugha gqvk gSA vr% nq?kZVuk ds dkj.k vyx gksus ds vk/kkj ij Dyse [kkfjt djuk lsok nks"k esa vkrk gSA vihykFkhZ chek daiuh dh vksj ls ,yvkbZlh cuke~ Jherh ghjk ckbZ] fjfotu fifV'ku la[;k 4048@2009] fnukad fu.kZ; 09-04-2010] ekuuh jk"Vªh; vk;ksx is'k fd;k gS] ftlesa dgk gS fd rF;ksa dks lgh izdV djuk chfer ds fy, vko';d gS] fdUrq bl izdj.k esa ;g ugha crk;k fd ifjoknh us dkSu ls rF; lgh izdV ugha fd;sA chek daiuh dk ;g Hkh dFku gS fd nq?kZVuk dh lwpuk foyac ls nh xbZ gSA izFke lwpuk fjiksVZ ,d fnu ckn fnuakd 08-05-2010 dks nh xbZ] fdUrq chek daiuh dks N% fnu ckn lwpuk nhA ;g pksjh dk izdj.k ugha gSA ,slh fLFkfr esa foyac ds dkj.k lc&LVs.MMZ djus dk vkSfpR; ugha gSA bl lacU/k esa U;w bf.M;k ba';ksjsal daiuh fyfeVsM cuke~ f=ykspu tkuh ] vihy la[;k 321@2005] fnuakd fu.kZ; 09-12-2009 is'k gqbZ] tks lqlx a r ugha gSA blh rjg fjfotu fifV'ku la[;k 4762@2012] lqjsUnz cuke~ us'kuy ba';ksjsal daiuh fyfeVsM] fnukad fu.kZ; 18 tuojh 2013 4 Hkh pksjh ds ekeys esa foyac ls lwpuk dh gSA ekuuh; jk"Vªh; vk;ksx dk fu.kZ; ujs'k dqekj cuke~ vksfj;Vay ba';ksjsl a daiuh fyfeVsM] fjfotu fifV'ku la[;k 2915@2013] fnuakd fu.kZ; 10-09-2014 is'k dhA ;g fjfotu losZ;j fjiksVZ dks ugha ekuus ds lacU/k esa gS ij ifjoknh ds vf/koDrk dk dFku gS fd Lo;a losZ;j us viuh fjiksVZ esa Li"V :i ls fy[kk gS fd pSfll ds nksuksa eSEclZ dzsd gks x;s gS rFkk 1]34]200@&:i;s dk ,LVhesV ds cnys 2000@&:i;s gh fnyok;s gS] ftldk dksbZ dkj.k ugha crk;kA ,LVhesV 6]55]000@&:i;s dk Fkk] tcfd ifjoknh us [kpsZ dk okLrfod O;; ds vk/kkj ij 3]50]000@&:i;s crk;s gSA ,slh fLFkfr esa pSfll dk [kpkZ 2]000@&:i;s ds ctk; 65]000@&:i;s vfrfjDr ;kfu 67]000@&:i;s de ls de fnyok;s tkus pkfg;s FksA O;; ds fcy ifjoknh us is'k ugha fd;s rFkk chek daiuh dks lqiqnZ djuk dgk] tks chek daiuh us Hkh ugha fn;sAa vr% gekjs fopkj ls ifjoknh dks 1]07]507- 52iSls ds LFkku ij 1]72]507@&:i;s fnyokus pkfg;s FksA fo}ku vf/koDrk vihykFkhZ chek daiuh us lc&LVs.MMZ ds fy, veysUnw 'kkg cuke~ vksfj;Vay ba';ksjsl a daiuh dk U;kf;d n`"Vkar is'k fd;k rFkk dgk fd futh okgu esa iSlstaj ysa tk;s rks 75izfr'kr fnyokus pkfg;s] fdUrq ;g U;kf;d n`"Vkar pksjh ds ekeys esa foyac ds lacU/k esa ykxw gksrk gS] nq?kZVuk ds lacU/k esa ykxw ugha gksrk] D;ksafd foyac ls chek daiuh ds dksbZ vf/kdkj xzflr ugha gksrsA vr% ;g U;kf;d n`"Vkar bl 5 ekeys esa lqlaxr ugha gSA vU; ,d U;kf;d n`"Vkar fjfotu fifV'ku la[;k 103@2013] fnukad fu.kZ; 11-04-2013 is'k dh] ftlesa nq?kZVuk dh lwpuk rqjUr chek daiuh dks nsus dk izdj.k Fkk] fdUrq og fjfotu foyac ls is'k djus iz'u ij [kkfjt gqbZ gSA vr% bls fof/k ds fcUnw ij U;kf;d n`"Vkar ugha dg ldrsA bl rjg ls nksuksa vihyksa ds foospu ] fo'ys"k.k o ewY;kadu djus ls ge ;g ikrs gS fd chek daiuh dh vihy [kkfjt gksus ;ksX; gs] tks [kkfjt dh tkrh gSA ifjoknh dh vihy va'kr% Lohdkj dj ifjoknh dks 1]07]507@&:i;s ¼v{kjs jkf'k :i;s ,d yk[k lkr gtkj ikap lkS lkr ek= ½ ds LFkku ij 1]72]507@&:i;s ¼v{kjs jkf'k :i;s ,d yk[k cgRrj gtkj ikap lkS lkr ek= ½fnyokus rFkk mls ifjokn is'k djus dh fnuakd ls ;kfu 04-03-2011 ls 9 izfr'kr okf"kZd dh nj ls C;kt nsus dk vkns'k fn;k tkrk gSA lkFk gh 7500@&:i;s ¼v{kjs jkf'k :i;s lkr gtkj ikap lkS ek= ½ ekufld {kfriwfrZ o ifjokn O;; ds "h foi{kh vnk djsxkA ikyuk djus ds fy, 30 fnu dk le; fn;k tkrk gS] ckn ikyuk vkns'k foi{kh chek daiuh viuh tek jkf'k e; ifjykHkksa ds okfil izkIr djus dh vf/kdkjh gSA lnL;k ihBklhu lnL;