State Consumer Disputes Redressal Commission
United India Insurance Co.Ltd. vs Dhanraj Dulani & Anr. on 25 July, 2018
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ih- ds- ikWy] vf/koDrkA mRrjoknh dzekad&1 dh vksj ls Jh lat; uk;d] vf/koDrkA mRrjoknh dzekad&2 dh vksj ls Jh eukst lkojdj] vf/koDrkA vkns'k fnukad% 25@07@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd dz-1 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986 ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;iqj ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&387@2014 /kujkt nqykuh fo:} 'kk[kk // 2 // izca/kd] ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM ,oa ,d vU; esa ikfjr vkns'k fnukad&04 ebZ 2018 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd vkns'k fnukad ls ,d ekg ds vof/k ds Hkhrj%& **v- vukosnd dz-1] ifjoknh dks 41]000@&¼bdpkyhl gtkj :Ik;s½ ifjokn fnukad&09-07-2014 ls vnk;xh fnukad rd 06 izfr'kr lk/kkj.k okf"kZd C;kt lfgr vnk djsxkA c- vukosnd dz-1] ifjoknh dks mijksDr d`R; ds dkj.k gqbZ ekufld d"V ds fy, 10]000@&¼nl gtkj :Ik;s½ vnk djsxkA l- vukosnd dz-1] ifjoknh dks vf/koDrk 'kqYd rFkk oknO;; ds :Ik esa 2]000@&¼nks gtkj :Ik;s½ Hkh vnk djsxkA** Lks nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh dz-1@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh ds }kjk pksyke.Mye buosLVesaV ,.M Qk;usal daiuh fyfeVsM ls _.k izkIr dj vukosnd dz-2 ls ,d cksysjks okgu ftldk baftu ua-&GHC4M74688 ,oa psfpl ua-&C5M23704 gS] VSDlh ds :Ik esa vius Lo;a ds jkstxkj ,oa vius ifjokj dh vkthfodk gsrq [kjhnh xbZ Fkh ftldk chek vukosnd dz-2 }kjk vukosnd dz-1 ls dOgj uksV dzekad&0616043 }kjk fnukad&17-01-2013 ls 16-01-2014 dh vof/k ds fy, 5]97]365@&¼ikap yk[k larkucs gtkj rhu lkS iSalB :Ik;s½ ds fy, djk;k x;k Fkk ftldk 22]710@&¼ckbZl gtkj lkr lkS // 3 // nl :Ik;s½ izkIr dj VSDlh iiZt fy[krs gq, dOgj uksV tkjh fd;k x;k Fkk vkSj mDr dOgj uksV ds vk/kkj ij vukosnd dz-1 }kjk chek ikWfylh tkjh dh xbZ FkhA ifjoknh dh okgu [kjhnh fnukad ls 04 ekg ds Hkhrj fnukad&29-05-2013 dks LFkku HkSalk ds ikl nq?kZVukxzLr gks tkus ls {kfrxzLr gks xbZ ftldh lwpuk chek daiuh dks rRdky nh xbZ FkhA nq?kZVuk esa fdlh Hkh tku&eky dk uqdlku ugha gksus ds dkj.k iqfyl esa fjiksVZ ntZ ugha djk;k x;k FkkA okgu dk pkyd jetku vyh FkkA ifjoknh ds }kjk {kfrxzLr okgu dks vukosnd dz-1 ds dgus ij vukosnd dz-2 ds ikl ejEer gsrq Hkstk x;kA vukosnd dz-2 }kjk tkWc dkMZ ua-& 3823 fnukad&30-05-2013 iznku fd;k x;k rFkk vfxze jkf'k&10]000@&¼nl gtkj :Ik;s½ izkIr fd;k x;k ftldh jlhn ua-& 344 fnukad&30-05-2013 iznku dh xbZA ifjoknh ds }kjk viuh okgu dk ejEer vukosnd dz-2 ls djkdj vukosnd dz-1 ds ikl ejEer fcy dh jkf'k&58]863@&¼vaBkou gtkj vkB lkS frjlB :Ik;s½ dk leLr nLrkostksa ds lkFk iznku fd;k x;k vkSj {kfriwfrZ fd;s tkus dk fuosnu fd;k x;k fdUrq vukosnd dz-1 }kjk nkok jkf'k nsus ls badkj dj fn;k x;k vkSj nkok dk fujkdj.k ugha fd;k x;kA vukosnd dz-2 ds ek/;e ls vukosnd dz-1 ls viuh okgu dk chek dOgj uksV ds ek/;e ls VSDlh iiZt ds :Ik esa djokus ds ckn Hkh vukosnd dz-1 ,oa 2 }kjk vkil esa nqjfHkla/kh dj chek ikWfylh esa izkbZosV dkj fy[kk x;k gS ftldh tokcnkjh vukosnd dz-1 ,oa 2 dh gSA ifjoknh }kjk viuh okgu fd'r esa dz; fd;s tkus ds dkj.k fd'r dh jkf'k ,oa ifjogu foHkkx dk 'kqYd // 4 // Hkh vnk fd;k tk jgk gS tcfd okgu dk mi;ksx ugha gksus ds dkj.k ifjoknh dks vkfFkZd uqdlkuh Hkh mBkuh iM+ jgh gSA ifjoknh }kjk vius vf/koDrk ds ek/;e ls vukosnd dz-1 dks uksfVl izsf"kr fd;k x;k ftldk dksbZ tokc ugha fn;k x;k ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- vihykFkhZ@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh us mlds LokfeRo dh ubZ cksysjks okgu ftldk baftu ua-&GHC4M74688 ,oa psfpl ua-&C5M23704 gS] dk chek vukosnd dz-1 ls djk;k Fkk ftldk ikWfylh uacj&1905013113P302644132 ds }kjk fnukad&17-01-2013 ls 16-01-2014 rd dh vof/k ds fy, izkbZosV dkj iSdst ikWfylh ds :Ik esa djok;k Fkk tks fd futh mi;ksx gsrq FkkA ifjoknh chek izhfe;e jkf'k deksRrj Hkqxrku dj dsoy futh dk;Z ds iz;kstu ds fy, gh mDr okgu dk mi;ksx djuk pkgrk FkkA chek ikWfylh dh laiw.kZ lafonkRed 'krsZa miHk;i{kksa ij mlh vuq:Ik ca/kudkjh gS tSlk mldk izHkko vkSj izknqHkkZo gSA chfer okgu dh nq?kZVuk fnukad&29-05-2013 dks gksus dh lwpuk ifjoknh dh vksj ls vukosnd dz-1 dks fn;s tkus ds mijkar nq?kZVukewyd rF;ksa dh tkap losZ;j Jh lquhy lqjkuk ds ek/;e ls djok;k x;k ftUgksaus viuh fjiksVZ lanHkZ ua-&13@06@55@,Q fnukad&18-07-2013 chek daiuh ds le{k izLrqr fd;k ftlls ;g Li"V gqvk fd chfer okgu // 5 // esa fjis;j ykWl csfll ij {kfr dk ewY;kadu 41]000@&¼bdpkyhl gtkj :Ik;s½ Fkk vkSj mDr ewY;kafdr {kfr jkf'k chek lafonk Hkax uk fd;s tkus ij chek /kkjd ds i{k esa ns; FkkA nkok lsVyesaV djus gsrq ifjoknh dh vksj ls izLrqr nLrkostksa dh tkap djus ij ;g Kkr gqvk fd ifjoknh us fnukad&17-01-2013 dks mDr ikWfylh izkIr djus ds mijkar okgu dk iath;u vkj- Vh- vks- dk;kZy;] jk;iqj ds le{k fnukad&18-02-2013 dks **eSDlh dSc&VSDlh** ds iz;kstu gsrq djok;k gS] vFkkZr~ 01 ekg 01 fnu ckn okgu dk mn~ns'; ifjofrZr djok fy;k gS ftldh lwpuk ifjoknh }kjk vukosnd dz-1 dks ugha fn;k x;k gS vkSj uk gh ;k=h <ksus ds fy, okf.kfT;d mn~ns'; gsrq ifjofrZr djok;s x;s mDr okgu dk chek vkoj.k vfrfjDr izhfe;e Hkqxrku dj ifjofrZr djok;k x;k gSA chek/kkjd us mDr VSDlh ;ku ds fy, iz;ksT; okgu gsrq /kkjk&66 eksVj ;ku vf/kfu;e ds izko/kkukuqlkj fofgr ijfeV /kkfjr ugha fd;k Fkk tks fof/k dk ?kksj mYya?ku gSA chek/kkjd ds }kjk izLrqr eksVj nkok izi= esa nq?kZVuk ds le; okgu pykus okys okgu pkyd ds uke dk mYys[k ugha fd;k Fkk vkSj uk gh nq?kZVuk gksus ij iqfyl Fkkuk esa lwpuk nsdj okgu pkyd ds uke dks tkuus dk dksbZ volj o nLrkost izLrqr fd;k x;k Fkk ftlls ;g ekU; ;ksX; Ik;kZIr dkj.k Fkk fd nq?kZVuk ds le; okgu pkyd ds ikl oS/k o izHkkoh MªkbZfoax ykbZlsal ugha Fkk vkSj bl dkj.k gh ifjoknh us okgu pkyd ds uke dk dksbZ fooj.k ifjoknh us ugha fn;k vkSj uk gh MªkbZfoax ykbZlsal uacj dk mYys[k eksVj nkok izi= esa izfo"V fd;k FkkA fnukad&22-07-2013 ds ek/;e ls ifjoknh dks nkok fujkd`r // 6 // djus dh lwpuk fn;k x;k Fkk tks fd ifjoknh dks izkIr gks pqdk FkkA doj uksV tkjh djus dh frfFk ls dsoy 15 fnuksa rd oS/k Fkk vkSj bldh le;&lhek fnukad&01-02-2013 dks lekIr gks pqdk FkkA ifjoknh ,oa vukosnd dz-2 us mDr of.kZr dOgj uksV dh ewy vFkok izfr vukosnd dz-1 ds le{k dHkh Hkh izLrqr ugha fd;k gS ftlls Lis'ky daMh'ku dkWye esa VSDlh ijil fdlus vkSj dc fy[kk gS bldh tkudkjh vukosnd dz-1 dks ugha gS vkSj uk gh ,sls dFku fy[k nsus ek= ls okgu dk Lo:Ik ifjofrZr gks tkrk gSA ifjoknh ds }kjk mDr okgu dks VSDlh pykus ds mn~ns'; ds fy, iathd`r djok;k tkuk dgk tk jgk gS fdUrq ,sls ;k=h <ksus okys okf.kfT;d okgu pykus gsrq eksVj ;ku vf/kfu;e dh /kkjk&66 ds izko/kku dk ikyu djrs gq, mls ijfeV /kkfjr fd;k tkuk vfuok;Z o vkKkid Fkk] ijUrq ifjoknh }kjk ijfeV izLrqr ugha fd;k x;k gSA vr% ifjoknh dk nkok mijksDr fof/k ,oa lafonkRed rF;ksa ds vk/kkj ij fujLrh ;ksX; gSA vukosnd dz-1 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd dz-1 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh us okgu VSDlh ds :Ik esa dz; fd;k Fkk vkSj ifjoknh ds }kjk mDr okgu O;kolkf;d mn~ns'; ls dz; fd;k Fkk bl dkj.k ifjoknh dk ifjokn izpyu ;ksX; ugha gSA vukosnd dz-2 efgUnzk ,.M efgUnzk ds okguksa dk // 7 // Mhyj gS vkSj og efgUnzk ,.M efgUnzk daiuh ds funsZ'k ds vuqlkj gh okgu dk fodz; ,oa lq/kkj dk dk;Z djrk gSA ifjoknh ds }kjk vukosnd dz-2 ls okgu dz; fd;k gS vkSj Lo;a viuh ethZ ls chek djk;k gS ftldh tkudkjh vukosnd dz-2 dks ugha gSA ifjoknh ds }kjk vukosnd dz-2 dks ijs'kku djus dh fu;r ls i{kdkj cuk;k x;k gSA ifjoknh] vukosnd dz-2 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 05- mRrjoknh dz-1@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k jftLVsª'ku lfVZfQdsV fMVsYl dh Nk;kizfr ¼,usD'pj ,&1½] dOgj uksV dh Nk;kizfr ¼,usD'pj ,&2½] tkWc dkMZ fnukad&30-05- 2013 dh Nk;kizfr ¼,usD'pj ,&3½] jkykWl eksVlZ dk buokbZl fnukad& 15 tqykbZ 2013 dh Nk;kizfr ¼,usD'pj ,&4½] jkykWl eksVlZ dh jlhn fnukad&30-05-2013 ,oa OgkÅpj fnukad&14 vxLr 2013 dh Nk;kizfr ¼,usD'pj ,&5½] vf/koDrk uksfVl fnukad&21-07-2013 dh Nk;kizfr ¼,usD'pj ,&6½] jetku vyh dk MªkbZfoax ykbZlsal dh Nk;kizfr ¼,usD'pj ,&7½] lfVZfQdsV vkWQ fQVusl dh Nk;kizfr ¼,usD'pj ,&8½] izLrqr fd;k gSA 06- vihykFkhZ@vukosnd dz-1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k izkbZosV dkj iSdst ikWfylh e; 'krZ dh Nk;kizfr] iziksty QkeZ dh Nk;kizfr] eksVj Dyse QkeZ dh Nk;kizfr] eksVj ¼QkbZuy½ losZ fjiksVZ fnukad&18-07-2013 dh Nk;kizfr] eksVj ¼fjbaLisD'ku½ losZ fjiksVZ // 8 // fnukad&18-07-2013 dh Nk;kizfr rFkk nkok fujLrh i= fnukad&19-8- 2013 dh Nk;kizfr izLrqr fd;k gSA 07- ftyk Qksje us mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA 08- vihykFkhZ@vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% =qfViw.kZ gSA igys ifjoknh us izkbZosV dkj iSdst ikWfylh fy;k Fkk vkSj chek daiuh dks tkudkjh fn, fcuk gh mls VSDlh ds :Ik esa ifjofrZr djok fy;k Fkk rFkk VSDlh ds fy, chek ikWfylh izkIr ugha fd;k x;k gSA ifjoknh ds vuqlkj tks dOgj uksV tkjh fd;k x;k Fkk mlesa VSDlh fy[kk Fkk vkSj tks dOgj uksV gksrk gS og 15 fnuksa ds fy, oS/k gksrk gSA vukosnd dz-1 us vkns'k&11 fu;e&12 lh- ih- lh- ds varxZr ewy dOgj uksV is'k djus gsrq vkosnu izLrqr fd;k Fkk] ijUrq ifjoknh }kjk ewy dOgj uksV is'k ugha fd;k x;k gS vkSj ,slh fLFkfr esa ifjoknh us izkbZosV dkj dks VSDlh ds :Ik esa pyk;k Fkk tks fd chek 'krkZsZa dk mYya?ku gSA ;fn ;g eku Hkh fy;k tkos fd ikWfylh VSDlh ds fy, gh tkjh fd;k x;k Fkk rc ifjoknh dk ;g drZO; Fkk fd og okgu dk ijfeV izkIr djrk] ijUrq ifjoknh }kjk okgu dk dksbZ ijfeV izLrqr ugha fd;k x;k gS vkSj fcuk ijfeV ds okgu dks pyk;k tk jgk FkkA mlh izdkj ifjoknh // 9 // us nq?kZVuk ds laca/k esa tks nkok izi= izLrqr fd;k gS mlesa MªkbZfoax ykbZlsal vkSj MªkbZoj ds uke dk mYys[k ugha fd;k gS vkSj blls Li"V gS fd tks pkyd okgu dks pyk jgk Fkk og nq?kZVuk ds le; oS/k ,oa izHkko'kkyh MªkbZfoax ykbZlsal /kkfjr ugha djrk Fkk vkSj ;fn MªkbZfoax ykbZlsal gksrk rks nkok izi= esa MªkbZoj ds uke dk mYys[k gksrk vkSj mlds Ik'pkr~ ckn esa ifjoknh us nkok izkIr djus ds fy, pkyd dk uke jetku vyh vius gkFk ls ifjokn&i= esa vafdr fd;k gS vkSj blls Li"V gS fd nq?kZVuk ds le; MªkbZoj ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk rFkk fcuk ijfeV ds okgu dks pyk;k tk jgk Fkk tks fd chek 'krksZa dk mYya?ku gS] ijUrq ftyk Qksje us bu rF;ksa dks /;ku fn, fcuk gh =qfViw.kZ vkns'k ikfjr dj fn;k gSA vr% vukosnd dz-1 dh vihy dks Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkos ,oa ifjokn fujLr fd;k tkosA vukosnd dz-1 dh vksj ls bl laca/k esa bl vk;ksx }kjk izFke vihy dzekad&,Q,@2014@336 fuys'k frokjh fo:} ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k fnukad&25-02-2015 dk voyacu fy;k gSA 09- mRrjoknh dz-1@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lat; uk;d dk rdZ gS fd vukosnd dz-1 }kjk tks dOgj uksV tkjh fd;k x;k Fkk og VSDlh ds fy, Fkk vkSj okgu dk pkyd jetku vyh Fkk ftlds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal FkkA okgu // 10 // vukosnd dz-1 ds ikl fnukad&17-01-2013 ls fnukad&16-01-2014 dh vof/k ds fy, chfer FkkA okgu fnukad&29-05-2013 dks nq?kZVukxzLr gks xbZ Fkh ftldh lwpuk vukosnd dz-1 dks nh xbZ Fkh vkSj okgu ejEer gsrq vukosnd dz-2 ds laLFkku esa ys tk;k x;k Fkk tgka ifjoknh }kjk vfxze jkf'k&10]000@&¼nl gtkj :Ik;s½ tek fd;k x;k Fkk vkSj vukosnd dz-2 }kjk 58]863@&¼vaBkou gtkj vkB lkS frjlB :Ik;s½ dk fcy fn;k x;k Fkk ftls ifjoknh }kjk vukosnd dz-1 dks izsf"kr fd;k x;k Fkk vkSj mDr jkf'k dh ekax vukosnd dz-1 chek daiuh ls dh xbZ Fkh] ijUrq vukosnd dz-1 }kjk ifjoknh ds nkos dks vLohdkj dj fn;k x;k tks fd fuf'pr gh lsok esa deh dks n'kkZrk gSA ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gS vkSj mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% ftyk Qksje dk vkns'k ;Fkkor~ j[kk tkosA ifjoknh dh vksj ls vius rdZ ds leFkZu esa bl vk;ksx }kjk vihy dzekad&,Q,@2014@32 ctkt ,yk;al tujy ba';ksjsal daiuh fyfeVsM }kjk 'kk[kk izca/kd fo:} 'kf'k dqekj iqjsuk ,oa ,d vU; ,oa vihy dzekad&,Q,@2014@43 izca/kd] jkykWl eksVlZ }kjk Hkkxhnkj fo:} 'kf'k dqekj iqjsuk ,oa ,d vU; esa ikfjr vkns'k fnukad&30-10- 2014 dk voyacu fy;k gSA 10- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh eukst lkojdj dk rdZ gS fd ftyk Qksje us mfpr // 11 // :Ik ls vukosnd dz-2 dks nkf;Ro ls eqDr fd;k gSA vr% ftyk Qksje ds vkns'k dks vukosnd dz-2 ds laca/k esa ;Fkkor~ j[kk tkosA 11- geus mHk;i{k 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;kA 12- ;g Lohd`r gS fd ifjoknh okgu dzeakd&lh-th- 04 Vh- ,-@1746 dk iathd`r Lokeh Fkk vkSj og vukosnd dz-1 ds ikl nq?kZVuk fnukad dks chfer FkkA 13- ifjoknh ds vuqlkj okgu izkjaHk ls VSDlh ds :Ik esa chfer Fkk tcfd vukosnd dz-1 ds vuqlkj izkbZosV dkj iSdst ikWfylh tkjh fd;k x;k FkkA vukosnd dz-1 us tks chek ikWfylh izLrqr fd;k gS og izkbZosV dkj iSdst ikWfylh gS rFkk vukosnd dz-1 }kjk ifjoknh ls ewy dOgj uksV izLrqr djk;s tkus gsrq vkosnu&i= izLrqr fd;k x;k Fkk] ijUrq ewy dOgj uksV izLrqr ugha fd;k x;k gS vkSj tks dOgj uksV dh Nk;kizfr izLrqr fd;k x;k gS mlesa VSDlh ijit fy[kk gqvk gSA bl izdkj ewy chek ikWfylh ,oa dOgj uksV esa fHkUurk gS vkSj ,slh fLFkfr esa ifjoknh dk ;g drZO; Fkk fd og ewy dOgj uksV izLrqr dj ;g lkfcr djrk fd vukosnd dz-1 }kjk chek ikWfylh VSDlh iz;kstu ds fy, tkjh fd;k x;k Fkk] tcfd ewy chek ikWfylh esa tks ikWfylh gS og izkbZosV dkj iSdst ikWfylh ds :Ik esa gS vkSj ifjoknh }kjk jftLVsª'ku lfVZfQdsV fMVsYl tks // 12 // izLrqr fd;k x;k gS] ckn esa mlesa VSDlh ds :Ik esa bUnzkt djok;k x;k gS vkSj blls izFke n`"V;k ;gh izrhr gksrk gS fd ftl iz;kstu ds fy, ikWfylh izkIr fd;k x;k Fkk] mDr iz;kstu ls fHkUu okgu dk mi;ksx fd;k x;k gSA 14- ;fn rdZ ds fy, eku Hkh ysa fd ifjoknh us VSDlh ds :Ik esa gh okgu dks chfer djk;k Fkk rc ;g ns[kuk gS fd D;k ifjoknh }kjk fu;ekuqlkj ijfeV izkIr dj okgu dk ifjpkyu fd;k tk jgk Fkk\ 15- /kkjk&66 eksVj OghdYl ,DV] 1988 esa ijfeV ds laca/k esa mYys[k fd;k x;k gS vkSj eksVj OghdYl ,DV] 1988] dh /kkjk&66 fuEukuqlkj gS%& **/kkjk&66- ijfeVksa dh vko';drk& ¼1½ fdlh eksVj ;ku dk Lokeh fdlh lkoZtfud LFkku esa ml ;ku dk ifjogu ;ku ds :Ik esa mi;ksx] pkgs ml ;ku ls okLro esa ;k=h ;k eky dk ogu fd;k tk jgk gS ;k ugha] ml ijfeV dh 'krksZa ds vuqlkj gh djsxk ;k djus dh vuqKk nsxk tks ml LFkku esa ml jhfr ls] ftlls ml ;ku dk mi;ksx fd;k tk jgk gS] ml ;ku dk mi;ksx izkf/kd`r djrs gq, izknsf'kd ;k jkT; ifjogu izkf/kdj.k ;k fdlh fofgr izkf/kdkjh ds }kjk fn;k x;k gS ;k izfrgLrk{kfjr fd;k x;k gS% ijarq eaftyh&xkM+h ijfeV ,slh fdUgha 'krksZa ds v/khu jgrs gq,] tks ijfeV esa fofufnZ"V dh tk,a] ml ;ku dk mi;ksx Bsdk xkM+h ds :Ik esa djus ds fy, izkf/kd`r djsxk% ijarq ;g vkSj fd eaftyh&xkM+h ijfeV ls] ,slh fdUgha 'krksZa ds v/khu jgrs gq, tks ijfeV esa fofufnZ"V dh tk,a] ml ;ku dk // 13 // mi;ksx eky&okgu ds :Ik esa djuk] Hkys gh og ;kf=;ksa dk ogu dj jgk gks ;k ugha] izkf/kd`r fd;k tk ldsxk% ijarq ;g vkSj Hkh fd eky&okgu ijfeV ,slh fdUgha 'krksZa ds v/khu jgrs gq, tks ijfeV esa fofufnZ"V dh tk,a] mlds /kkjd }kjk pyk, tkus okys O;kikj dk dkjckj ds fy, ;k mlds laca/k esa eky dk ogu djus ds fy, ;ku dk mi;ksx djuk izkf/kd`r djsxkA ¼2½ eky&okgu ijfeV dk /kkjd] ;ku dk mi;ksx fdlh ifCyd ;k v/kZ&Vªsyj ds] tks mlds LokfeRo ds v/khu ugha gS] [khapus ds fy, ,slh 'krksZa ds v/khu jgrs gq, dj ldsxk tks fofgr dh tk,aA Ikjarq fdlh laf/kr ;ku ds ijfeV dks j[kus okyk /kkjd fdlh vU; v}Z&Vªsyj ds fy, ml laf/kr ;ku ds izkFkfed&pyu'khyrk dks iz;qDr dj ldsxkA ¼3½ mi&/kkjk ¼1½ ds mica/k fuEufyf[kr dks ykxw ugha gksaxs] vFkkZr~%& ¼d½ dksbZ ,slk ifjogu ;k tks dsanzh; ljdkj ;k fdlh jkT; ljdkj ds LokfeRok/khu gS vkSj ,sls ljdkjh iz;kstuksa ds fy, mi;ksx esa yk;k tkrk gS ftudk fdlh okf.kfT;d m|e ls dksbZ laca/k ugha gS ;
¼[k½ dksbZ ,slk ifjogu ;ku tks fdlh LFkkuh; izkf/kdkjh ds vFkok LFkkuh; izkf/kdkjh ls dh xbZ lafonk ds v/khu dk;Z djus okys fdlh O;fDr ds LokfeRok/khu gS vkSj dsoy lM+d dks lkQ djus] lM+d ij ty fNM+dus ;k lQkbZ ds iz;kstuksa ds fy, gh mi;ksx esa yk;k tkrk gS;
¼x½ dksbZ ,slk ifjogu ;ku tks dsoy iqfyl] nedy ;k jksxh&okgu dk;Z ds fy, gh mi;ksx esa yk;k tkrk gS; ¼?k½ dksbZ ,slk ifjogu ;ku tks 'koksa vkSj 'koksa ds lkFk tkus okys O;fDr;ksa ds izog.k ds fy, gh mi;ksx esa yk;k tkrk gS;
// 14 // ¼M+½ dksbZ ,slk ifjogu ;ku tks fdlh fcxM+s gq, ;ku dk vuqd"kZ.k djus ds fy, ;k fdlh fcxM+s gq, ;ku ls eky dks fujkin LFkku ij ys tkus ds fy, mi;ksx esa yk;k tkrk gS; ¼p½ dksbZ ,slk ifjogu ;ku tks fdlh ,sls vU; lkoZtfud iz;kstu ds fy, mi;ksx esa yk;k tkrk gS tks jkT; ljdkj bl fufeRr fofgr djs;
¼N½ dksbZ ,slk ifjogu ;ku tks eksVj ;kuksa dk fofuekZ.k djus okys ;k muesa O;ogkj djus okys ;k psfll ls layXu fd, tkus ds fy, mudh ckMh cukus okys fdlh O;fDr }kjk dsoy ,sls iz;kstuksa ds fy, gks vkSj ,slh 'krksZa ds vuqlkj mi;ksx esa yk;k tkrk gS tks dsanzh; ljdkj] jkti= esa vf/klwpuk }kjk] bl fufeRr fofufnZ"V djs;
¼t½ [XXX] ¼>½ dksbZ ,slk eky ;ku ftldk ldy ;ku Hkkj 3000 fdyksxzke ls vf/kd ugha gS; ¼¥½ ,slh 'krksZa ds v/khu jgrs gq, tks dsanzh; ljdkj] jkti= esa
vf/klwpuk }kjk] fofufnZ"V djs] dksbZ ,slk ifjogu ;ku tks ,d jkT; esa [kjhnk x;k gS vkSj fdlh ;k=h ;k eky dk ogu fd, fcuk ml jkT; esa ;k fdlh vU; jkT; esa fLFkr fdlh LFkku dks tk jgk gS;
¼V½ dksbZ ,slk ifjogu ;ku tks /kkjk&43 ds v/khu vLFkk;h rkSj ij jftLVªhd`r gS] ml le; tc og ;ku ds jftLVªhdj.k ds iz;kstu ls [kkyh gh fdlh LFkku dks tk jgk gS;
¼B½ [XXX] ¼M½ dksbZ ,slk ifjogu ;ku ftls ck<+] Hkwdai ;k fdlh vU;
izkd`frd foifRr] lM+d ij ck/kk ;k vdfYir ifjfLFkfr;ksa ds dkj.k vius ekxZ ds cnys fdlh vU; ekxZ ls] Hkys gh og jkT; ds vanj gks ;k ckgj] bl n`f"V ls Hkstk tkuk vko';d gS fd og vius xarO; LFkku rd igaqp lds;
// 15 // ¼<½ dksbZ ,slk ifjogu ;ku tks ,sls iz;kstuksa ds fy, iz;ksx esa yk;k tkrk gS] ftls dsanzh; ljdkj ;k jkT; ljdkj] vkns'k }kjk] fofufnZ"V djs;
¼.k½ dksbZ ,slk ifjogu ;ku tks vodz;] iÍk ;k vkMeku djkj ds v/khu gS vkSj ftls Lokeh ds O;frdze ds dkj.k ml O;fDr }kjk ;k mldh vksj ls] ftlds lkFk Lokeh us ,slk djkj fd;k gS] dCts esa ys fy;k x;k gS] ftlls fd ,slk eksVj ;ku vius xarO; LFkku ij igaqp lds; ;k ¼r½ dksbZ ifjogu ;ku ml le; tc og [kkyh gh ejEer ds iz;kstu ds fy, fdlh LFkku dks tk jgk gksA ¼4½ mi&/kkjk ¼3½ ds mica/kksa ds v/khu jgrs gq,]mi&/kkjk ¼1½ fdlh ,sls eksVj ;ku dks] ftls Mªkboj ds vykok ukS ls vf/kd O;fDr;ksa dk ogu djus ds vuqdwy cuk fy;k x;k gS] rc ykxw gksxh tc jkT; ljdkj /kkjk&96 ds v/khu cuk, x, fu;e }kjk ,slh fofgr djsaA** 16- Amrit Paul Singh and Another Vs. Tata AIG General Insurance Co. Ltd. and Anothers, 2018 AIR SCW 2662 eas ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor Vehicles Act (59 of 1988), Ss. 149 (2), 66-Insurer's liability- Offending truck driven in rash and negligent manner hit motor cycle of deceased causing his death- Offending vehicle had no permit- Exceptions to necessity for permits under S. 66 are to be pleaded and proved- It cannot be taken aid of for seeking absolution from liability- Use of vehicle in public place without permit is fundamental statutory infraction."
// 16 // 17- National Insurance Co. Ltd. vs. Challa Bharathamma and others, 2004 ACJ 2094 eas ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. High Court was of the view that since there was no permit, the question of violation of any condition thereof does not arise. The view is clearly fallacious. A person without permit to ply a vehicle cannot be placed at a better pedestal vis-à-vis one who has a permit, but has violated any condition thereof. Plying of a vehicle without a permit is an infraction. Therefore, in terms of Section 149(2) defence is available to the insurer on that aspect. The acceptability of the stand is a matter of adjudication. The question of policy being operative had no relevance for the issue regarding liability of insurer. High Court, was, therefore, not justified in holding the insurer liable." 18- United India Insurance Co. Ltd. vs. Dharam Raj 1986-2007 Consumer 12098 (NS) eas ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "4. Only submission advanced by Mr. Karan Mehra for petitioner was that the respondent was not having permit authorising the use of vehicle in question as transport vehicle on the date of accident. Permit was obtained later on from 25.7.2000 to 24.7.2011. Use of the vehicle on the date of accident, was thus, in violation of Section 66 of the Motor Vehicles Act, 1988 ( for short the Act) as also in breach of condition of insurance policy. Reliance was placed on the decision in Oriental Insurance Co. Ltd. vs. Sony Cheriyan, 1986-99 CONSUMER 5083 (NS) : 1999 (2) CCC 42 (NS) : 1999 (6) SCC 451.
5. Permit is defined in Section 2(31) of the Act as under :
"Permit means a permit used by a State or Regional Transport Authority or an authority prescribed in this behalf under this Act authorising the use of a motor vehicle as a transport vehicle".
// 17 // Omiting three provisos, Sub-section (1) of Section 66 which is material reads thus :
"No owner of a motor vehicle shall use or permit the use of the vehicle as transport vehicle in any public place whether or not such vehicle is carrying any passenger or goods save in accordance with the conditions of a permit granted or counter- signed by Regional or State Transport Authority or any prescribed authority authorising the use of the vehicle in that place in the matter in which the vehicle is being used."
6. Bare reading of this provision would show that it creates a total bar on use of a vehicle in any public place whether or not such vehicle is carrying any passenger or goods unless the owner thereof holds a permit as defined in Section 2(31). It is not in dispute that respondent was not possessing a permit of the said vehicle on the date of accident. Said sub-section would, thus be applicable even if vehicle in question was used by the respondent for his personal work i.e. to return empty 5/6 milk tanks as alleged in para No.2 of the complaint. Insurance policy represents a contract between the insurer and the insured has to act strictly in accordance with the statutory limitations and/or the terms of policy. Since use of vehicle in question at the time of incident was in contravention of aforesaid Sub-section (1) of Section 66 and conditions of policy, the respondent is not entitled to any amount under the policy. Orders passed by Fora below being legally erroneous can not be sustained and deserve to be set aside.
7. Resultantly, while allowing revision, aforesaid orders dated 28.1.2003 and 27.3.2003 are set aside and complaint dismissed. Awarded amount received by the respondent will be refunded to the petitioner-insurance company within four weeks from the date of receipt of copy of this order. No order as to cost." 19- Dhaneshwar Sahu vs. The New India Assurance Co. Ltd. 2009 (3) CPR 76 eas bl vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 18 // "11. In the case of "Challa Bharathamma (supra) Hon'ble Supreme Court, in para 12, has held that "as person without permit to ply a vehicle cannot be placed at a better pedestal vis-à-vis one who has a permit, but has violated any condition thereof. Plying of a vehicle without a permit is an infraction. Therefore, in terms of section 149 (2) defence is available to the insurer on that respect. The acceptability of the stand is a matter of adjudication. The question of policy being operative had no relevance for the issue regarding liability of insurer. High Court was, therefore, not justified in holding the insurer liable". Ultimately in that case the insurer was not held liable.
13. The case of Nitin Khandelwal (supra) relied by the appellant was in respect of vehicle which was insured for personal use and was being used as taxi, it was observed by Hon'ble Supreme Court that use of the vehicle was having no connection with snatching of the vehicle or its theft. It was observed that "In the case of theft of the vehicle breach of condition is not germane". In that case the State Commission has allowed 75% of the sum assured on non-standard basis. Apex Court has kept this question undecided whether it was justified or not. In Revision Petition of Sanjay Shihre (supra) and other connected revisions, which have been relied by learned counsel for the appellant, the question of amount of compensation on non- standard basis was considered, but no question of permit was involved in those cases, and the cases were in respect of use of vehicle as taxi, though insured as private car. There was robbery and driver was murdered. In the case of G. Kothainachiar (supra), the question was of fitness certificate and it was observed that "the alleged breach is with regard to the provisions of Motor Vehicles Act or some other Act. Therefore, the question would be whether the Insurance Company can repudiate the claim on the alleged ground of breech of some provisions of the Motor Vehicles Act, or some other Act.""
Ultimately, it was found that insurance company cannot repudiated the claim, when there is no breach of terms of policy, because insurance is a matter of contract between the parties. It is worth // 19 // noting that in that case the insured was having fitness certificate with regard to the vehicle till 30.05.1995 and the accident took place on 20.06.1995 and the vehicle was found by the R.T.O. Inspector in good condition for its being plied, at the time of accident. Considering these facts, the order of allowing complaint, was passed.
14. The case of Shri Gian Singh (supra) having the fact of carrying 12 unauthorized persons in a truck, which was ordered to be settled on non-standard basis. This Commission in the case of Smt. Fatima Khatun (supra) on the basis of surveyor's report, passed an award of assessed amount by the surveyor and it was also found proved that the vehicle was being plied as taxi. The case of M/s. Pushpalaya Printers (supra) cited by learned counsel for the appellant, is in respect of building construction. In that case the question regarding interpretation of some words was considered and it was held that if "two interpretations are possible, one beneficial to insured, should be accepted", but in the facts of the present case there is no such situation and two interpretations are not possible of the policy conditions and it is clear that without permit, if the transport vehicle, which was insured as such, have been plied, then it is clear cut violation of law and policy conditions also. Similarly, in the case of Omprakash Baghel (supra), which has been cited by the appellant, the vehicle was purchased only 7 months back and in that condition if the permit and fitness certificate were not produced, then the breach was not found fundamental or contribution in the accident, so order for payment of compensation was passed placing reliance on the judgment of Hon'ble Supreme Court in the case of National Insurance Company Ltd. vs. Swaran Singh and Others I (2004) ACC 1 (SC). In the case of M/s. Harsolia Motors (supra), the insurance policy, taken for commercial unit, was not found to be any hiring or services for commercial purposes so as to exclude it from purview of Consumer Protection Act. After going through whole judgment, we do not find it helpful to the appellant in anyway. Another judgment cited by learned counsel for the appellant is in case of Government Tool Room and Training Centre (supra), in that case the question was different and was in respect of full and final // 20 // settlement. Lastly learned counsel for the appellant has this Commission's judgment in the case of Prandhar Agrawal (supra) in that case looking to the facts of the case, it was observed that payment upto 75% as pr guidelines provided for settlement of non-standard claim, was admissible and was allowed, but in the facts of the present case we find that for commercial vehicle, which was being used for carrying passengers in city, no permit was obtained and thereby not only Law as violated but the policy conditions were also violated and therefore, the insurance company was fully justified in repudiating the claim of the complainant for own damage, in the vehicle due to motor accident. It is worth mentioning that plying a vehicle without permit in the City must have been contributed in the accident itself and thus it was fundamental breach of the policy condition. So, we find that insurance company was justified in repudiating the claim and learned District Forum has not committed any mistake in dismissing the complaint of the complainant.
15. Thus, we do not find any substance in this appeal and dismiss the same. No order as to the cost.
20- The Oriental Insurance Co. Ltd. vs. Pawan Kumar Agrawal, 2009 (3) CPR 248; eas bl vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "7. So far as, first ground is concerned, we find much substance on it. The Insurance Policy, copy of which has been produced as document Annexure A-5, shows that the vehicle was insured under Package Policy as Private Car from 24.10.2003. No registration No. was allotted to the vehicle at that time and that is why in column of Regn. No., only word 'New' has been written and Engine No. and Chasis No. have been mentioned in respective columns. The document of registration Annexure A-8, is also available on record, which shows that the vehicle was registered as a Jeep Taxi and Registration No. CG- 15A-2128 was allotted and sitting capacity was prescribed as 5 + 1. The route allotted was from District Headquarter Ambikapur upto 40 kms on nationalized route or non-nationalised route throughout // 21 // Bilaspur Division. It has also been specified that the owner was permitted to use the vehicle for carrying passengers on hire. This document shows that right from very beginning, the vehicle was intended to be used as a Taxi and was being used as such. Even at the relevant time, the vehicle was acquired by the Government because it was a public vehicle and was used for election duty.
8. These facts including both documents clearly show that right from the very beginning, the intention of the insured/respondent was to use the vehicle as Taxi and was got registered, as such. The Insurance policy which was earlier obtained as Private Car, and was never applied for any change by paying extra premium for passengers, and to convert the same for Transport vehicle, so the policy remained as that of Private Car.
9. Learned counsel for the respondent submitted that it might be a violation of terms regarding limitation as to use and in such circumstances Insurance Co. should have considered the claim of the complainant on non- standard basis. In this regard some citations of Hon'ble National Commission, as well as that of this Commission have also been brought to our notice. Whereas, learned counsel for the appellant submitted that the facts of the case shows that it was not a simple violation of term regarding limitation as to use but right from the very beginning the registered owner was not having any intention to abide the terms.
10. After having considered the arguments as well as the judgment of Hon'ble National Commission and this State Commission cited by both parties, we are of the opinion that all judgments, which have been cited by learned counsel for complainant/respondent, are in respect of one or two violations of any term of the policy regarding overloading, regarding permit or regarding use. But in the facts of the present case, the vehicle itself was registered as taxi and not as a private car whereas it was insured as a Private Car, so there was no intention on the part of the registered owner to abide the terms of the policy and he was // 22 // continuously violating its terms everyday and every time till the incident. In these circumstances, we do not find that the complainant is entitled for any compensation, as the vehicle was not insured as a Taxi.
11. As discussed aforesaid, the appeal succeeds and is allowed. The impugned award passed by the District Forum is set aside. No order as to cost."
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