State Consumer Disputes Redressal Commission
United India Ins. Co. Ltd. Through Sub ... vs M/S S.V.M.Oil Mills Pvt. Ltd. Through ... on 1 April, 2015
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----------izR;FkhZ@ifjoknh le{k %& ekuuh; ihBklhu lnL;&Jh fou; dqekj pkoyk ekuuh; lnL;k&Jherh lquhrk jkadk mifLFkr%& vihykFkhZ%& Jh vkj-ih- xqIrk izR;FkhZ %& dksbZ mifLFkr ugha vkns'k fnuakd 01-04-2015 }kjk jkT; vk;ksx]jktLFkku]t;iqj }kjk% ;g vihy fo}ku ftyk eap] Hkjriqj ds fu.kZ; fnuakd 26-03-2014 ds fo:} izLrqr gqbZ gS] ftlds }kjk mUgksaus ifjoknh dk ifjokn Lohdkj dj fy;k gSA bl fookn ds rF; bl izdkj gS fd ifjoknh us foi{kh daiuh ls ,d eSfju dkjxks ikWfylh ;kstuk ds rgr 1-00 djksM+ dh chek ikWfylh yh gqbZ FkhA ifjoknh }kjk le;≤ ij Hksts tkus okyh dUlkbZuesaV bl ikWfylh ds varxZr "Covered""FkhA ifjoknh ds vuqlkj mlus fnukad 2 23-06-2004 dks 139-55 fDoaVy ljlksa dk rsy /kkSyiqj esa eSllZ vkdk'k m|ksx dks Hkstk FkkA rsy dk ;g VSadj jkLrs esa iyV x;k Fkk vkSj ftlesa dkQh rsy cg x;k FkkA ifjoknh ds vuqlkj bl dUlkbZuesVa dk "Declaration ""mUgksaus chek daiuh dks fnuakd 23-06-2004 dks gh izLrqr dj fn;k FkkA chek daiuh dks bl nq?kZVuk dh lwpuk nsus ij chek daiuh us losZ;j fu;qDr fd;k vkSj losZ;j us viuh tkWap esa ;g rF; ik;k fd ifjoknh us ckgj Hksts tkus okyh izR;sd dalkbZuesVa dh lwpuk chek daiuh dks ugha nhA losZ;j ds vuqlkj ?kVuk ds fnu ifjoknh ds [kkrs esa ¼ekbZul½ &15]00]000@&:i;s dk cSyl sa Fkk vFkkZr~ ftl fnu ;g dalkbZuesVa "Declaration ""dh xbZ Fkh] ml fnu bl ikWfylh ds varxZr "Negative Balance ""FkkA chek daiuh us bl vk/kkj ij ;g Dyse "Repudiate "" dj fn;k] ftlds fo:) ;g ifjokn izLrqr gqvkA fo}ku ftyk eap us nksuksa i{kksa dks lquus ds i'pkr~ ;g fu"d"kZ fudkyk fd chek daiuh fnuakd 30-06-2009 dks eap }kjk fn;s x;s vkns'k ds mijkar Hkh ikWfylh [kkrs dk fooj.k izLrqr ugha fd;kA ml fLFkfr esa cSyl sa ugha gksus dk rF; Lohdkj ugha fd;k tk ldrkA mudk ;g Hkh fu"d"kZ Fkk fd chek daiuh us ,slh dksbZ 'krsZ izLrqr ugha dh gS fd ftlds varxZr ifjoknh QeZ }kjk fd;k tk jgk O;ogkj ds lHkh dalkbZuesaV dk 3 chek iz'uxr ikWfylh esa djok;s tkuk vkKkid gks ;k lHkh dalkbZuesVa Lor% gh chek ikWfylh ds vanj "Covered""gksrh gksA izR;FkhZ dks bl vihy ds uksfVl fn;s x;s ijUrq mifLFkr ugha gq;sA fo}ku vf/koDrk vihykFkhZ us gekjk /;ku fo}ku ftyk eap ds fu.kZ; dh vksj fnyok;k gS rFkk losZ;j }kjk cukbZ x;h fjiksVZ dh vksj /;ku fnyok;k gSA mudk rdZ gS fd fo}ku ftyk eap us Hkh ;g fu"d"kZ fudkyk gS fd ?kVuk ds fnu bl ikWfylh ds varxZr "Negative Balance ""Fkk rFkk ifjoknh QeZ us lHkh dalkbZuesVa dk "Declaration ""ugha fd;kA mUgksu a s gekjs le{k ekuuh; mPpre U;k;ky; dk ,d fu.kZ; IV (2010) ACC 653 (SC) :lqjtey jke fuokl vkW;y feYl izkbZosV fyfeVsM cuke~ ;qukbZVsM bf.M;k ba';ksjsl a daiuh fyfeVsM dk fu.kZ; izLrqr fd;k gSA bl fu.kZ; esa ;g vfHkfu/kkZfjr fd;k x;k gS fd ikWfylh dh 'krksZa dk Interpretation mlh izdkj ls fd;k tkuk pkfg;s] ftl izdkj mUgsa vafdr fd;k x;k gS rFkk U;k;ky; }kjk mu 'krksZa esa dqN Hkh tksMk+ ;k gVk;k ugha tk ldrkA blh fu.kZ; esa ;g Hkh vfHkfu/kkZfjr fd;kx;k fd ,slh gh eSfju dkjxks ikWfylh ds varxZr ifjoknh dk ;g drZO; Fkk fd og izR;sd dalkbZuesVa tks ckgj tkrh gS] mldh ?kks"k.kk djs vkSj bldh lwpuk chek daiuh dks nsAa bl ekeys esa ;g fookfnr ugha gS fd ifjoknh }kjk yh xbZ ikWfylh ds varxZr 4 mls izR;sd dalkbZuesVa dh ?kks"k.kk daiuh ds le{k dh tkuh FkhA ekuuh; mPpre U;k;ky; us ;g Hkh ekuk gS fd ifjoknh "Pick " o "Choose ""ugha dj ldrk fd og eupkgh ?kks"k.kk djsa vkSj ckdh dks ugha djsAa ekuuh; mPpre U;k;ky; }kjk mDr fu.kZ; esa izfrikfnr fl)akr dh n`f"V esa ge fo}ku ftyk eap ds bl fu.kZ; dks fLFkj j[kus esa vleFkZ gSA vr% vihy Lohdkj ;ksX; gS] ftls Lohdkj fd;k tkrk gS rFkk ftyk eap dk vkyksP; vkns'k fnuakd 26-03-2014 vikLr fd;k tkrk gSA ¼ lquhrk jkadk½ ¼ fou; dqekj pkoyk ½ lnL;k ihBklhu lnL;