State Consumer Disputes Redressal Commission
T. Laxman Murti vs United India Insurance Company Ltd on 1 April, 2014
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o vfHkHkk"kd 'kqYd vkyksP; vksn'k fnukad ls ,d ekg ds vanj 1000:- Hkqxrku djsxk vU;Fkk mDr jkf'k ij 9% okf"kZd C;kt dh nj ls Hkh C;kt jkf'k Hkqxrku djus gsrq nkf;Ro/khu gksxkA 2- bl izdj.k esa Lohd`fr;ksa ds vk/kkj ij fufoZokfnr rF; ;g gS fd ifjoknh ds LokfeRo dh eksVj lk;dy ua- C.G.07 L-Y. 8611 vukosnd chek daiuh }kjk chfer FkhA ftldk ikfylh dza- 191500@31@11@01@00015097 o chek vof/k 14-03-12 ls fnukad 13-03-13 rd FkhA ;g Hkh Lohd`r rF; gS fd mDr okgu chek vof/k ds nkSjku 09-04-12 dh 'kke lk<+s N% cts ikoj gkml cl LVS.M Fkkuk Nkouh ftyk nqxZ esa vKkr O;fDr }kjk pksjh dj fy;k x;k ftldh izFke lwpuk fjiksVZ Fkkukk Nkouh esa fnukad 16-04-12 dks ntZ dh xbZA ;g Hkh Lohd`r rF; gS fd ifjoknh }kjk vukosnd chek daiuh ls eksVj lk;dy pskjh gks tkus ds ifj.kkeLo:i {kfriwfrZ jkf'k izkIr djus ds fy;s fnukad 18-04-12 dks nkok izLrqr fd;kA mDr nkok chek daiuh }kjk fnukad 16-05-12 dks fujLr dj fn;k x;kA 3- Lohd`r rF;ksa ds vfrfjDr ifjokn izdj.k dk la{ksi lkj bl izdkj gS fd ?kVuk fnukad dks gok rwQku o ckfj'k gks jgh Fkh] ftlls cpus ds fy;s ifjoknh us dfFkr okgu dks cl LVS.M es ykWd djds [kM+k fd;k o Lo;a cl LVSs.M ds Hkou esa pyk x;kA yXkHkx 20 feuV ckn okil vkdj ns[kk rks mDr okgu ogkWa ugha Fkk tgk mlus [kM+k fd;k FkkA ifjoknh us mDr okgu dks <wa<us dk // 3 // dkQh iz;kl fd;k okgu u feyus ij mDr ?kVuk dh lwpuk iqfyl Fkkuk Nkouh esa nh xbZ o ?kVuk ds nwljs fnu chek daiuh dks ?kVuk dh lwpuk nh xbZA chek daiuh }kjk ifjoknh ls izFke lwpuk fjiksVZ dh izfr dh eakx dh xbZA ifjoknh iqfyl Fkkuk Nkouh esa mDr pksjh dh izFke lwpuk fjiksVZ ntZ djus dk vuqu; djrk jgk] fdarq iqfyl us okgu dh [ksktfcu djus ds i'pkr okgu u feyus ij fnukad 16-04-12 dks mDr ?kVuk dh fjiksVZ ntZ dhA rnksijkar ifjoknh us izFke lwpuk fjiksVZ dh izfr vko';d nLrkost lfgr nkok QkeZ vukosnd chek daiuh ds le{k izLrqr fd;k] fdarq vukosnd chek diauh }kjk fcuk fdlh leqfpr dkj.k ds ifjoknh dk nkok fujLr dj fn;k x;kA vr% ifjoknh us chek daiuh ds fo:) lsok esa fuEurk ds vk/kkj ij ftyk Qksje ds le{k ifjokn izLrqr dj okafNr vuqrks"k chek daiuh ls fnyk;s tkus dh izkFkZuk dhA 4- vukosnd chek daiuh }kjk vius mRrj esa Lohd`r rF;ksa ds vykok ifjokn i= ds 'ks"k dFkuksa o rF;ksa dks vLohdkj fd;kA o fof'k"Vr% ;g dFku fd;k x;k fd ifjoknh us ?kVuk dh lwpuk fnukad 18-04-12 dks chek daiuh dks lwfpr fd;k Fkk] tcfd pksjh fn- 09-04-12 dks gqbZ FkhA chek ikfylh dh 'krksZ ds vuqlkj pksjh fnukad ls 48 ?kaVs ds vanj ?kVuk dh fyf[kr tkudkjh chek daiuh dks fn;k tkuk vko';d gSA pwfa d ifjoknh us 48 ?kaVs ds Hkhrj pksjh dh lwpuk chek daiuh dks iznku ugha dh Fkh tks fd chek 'krZ dk mYya?ku gSA blds vfrfjDr ifjoknh us ?kVuk le; ij dfFkr okgu dks ?kVuk LFky ij fcuk ykWd fd;s vlqjf{kr [kM+k fd;k Fkk o mldh pkch Hkh okgu esa NksM+ nh xbZ FkhA ifjoknh us lkoZtfud LFky ij okgu dks lqjf{kr j[kus dk dksbZ mik; ugha fd;k FkkA tcfd // 4 // ifjoknh chek ikfylh dh 'krksZ ds vuqlkj okgu dks lqjf{kr voLFkk esa j[kusa gsrq drZO;c) FkkA ifjoknh us okgu dh nwljh pkch [kks tkus ds lac/a k esa iqfyl Fkkus esa dksbZ fjiksVZ ntZ ugha djok;h FkhA vr% mijksDr leLr dkj.kksa ls chek daiuh us ifjoknh dk nkok Lohdkj ugha fd;kA vr% chek diauh us ifjoknh ds izfr dksbZ lsok esa fuEurk ugha dh xbZ gS ifjoknh okaNhr {kfriwfrZ jkf'k izkIr djus dk vf/kdkjh ugha gS vukosnd chek daiuh }kjk ifjokn lO;; fujLr djus dh izkFkZuk dh xbZA 5- fo}ku ftyk Qksje }kjk ;g fofuf'pr fd;k x;k fd ifjoknh viuk ekeyk lkfcr djus esa foQy jgk gS ifj.kkeLo:Ik ifjokn [kkfjt dj ifjoknh ij 1]000@&:- okn O;; chek daiuh dks Hkqxrku djus dk funsZ'k fn;k x;kA 6- vihykFkhZ o mRrjoknh ds vf/koDrkvksa }kjk izLrqr rdksZ ds Jo.k mijkar vfHkys[k dk ifj'khyu fd;k x;kA 7- vihykFkhZ ds fo}ku vf/koDrk Jh vkj-ds-Hkkoukuh }kjk gekjs le{k eq[;r% rdZ fd;k x;k fd ftyk Qksje }kjk vkbZ-vkj-Mh-,- ldqZyj dk lw{erk ls v/;;u fd;s fcuk vihykFkhZ dh ifjokn fujLr dj nh xbZ] o ifjoknh ij gtkZuk Hkh yxk;k x;k tks fd fof/k fo:) gSA fo}ku ftyk Qksje }kjk ifjokn ds okLrfod rF;ksa dh vuns[kh dh gSA vka/kh rwQku o ckfj'k dh otg ls ifjoknh us dfFkr fnukad dks vius okgu dks cl LVS.M esa ykWd djds [kM+k fd;k Fkk bl laca/k esa ,d lk{kh dk 'kiFk i= Hkh izLrqr fd;k x;k Fkk] fdarq ftyk Qksje }kjk ml ij fo'okl ugha fd;k x;kA ftyk Qksje }kjk vuko';d :i ls vuos"kd dh fjiksVZ ij fo'okl fd;k // 5 // x;k ftyk Qksje }kjk ikfjr vkns'k vikLr fd;s tkus ;ksX; gSA vihy Lohdkj fd;s tkus dh izkFkZuk dh xbZA 8- mRrjoknh ds fo}ku vf/koDrk Jh iznhi iky }kjk vkifRr dh xbZ fd ifjoknh us pksjh dh ?kVuk ds ukS fnuksa ckn chek daiuh dks lwfpr fd;k FkkA ifjoknh@vihykFkhZ us okgu ykWd fd;s fcuk pkch lfgr vlqjf{kr NksMk+ x;k FkkA okgu dh nwljh pkch [kks tkus ds laca/k esa Fkkus esa lwpuk ugha nh xbZ FkhA mijksDr leLr dkj.kksa ls o chek ikfylh dh 'krksZ ds mYya?ku ds vk/kkj ij chek daiuh us ifjoknh dk nkok fujLr dj lsok esa fuEurk ugha dh gSA ftyk Qksje }kjk mfpr vkns'k ikfjr fd;k x;k gSA vihykFkhZ dh vihy fujLr fd;s tkus dk vuqjks/k fd;k x;kA 9- gekjs }kjk vfHkys[k esa layXu A&4 nkok fujLrhdj.k i= fnukad 16-05-12 dk voyksdu fd;k x;k ftldk egRoiw.kZ va'k bl izdkj gS%&-
Date- 16-05-12 WITHOUT PREJUDICE Sir, Re:- Theft of your Vehicle No.CG-07-LY-8611 on 09.04.2012 policy No. 191500/31/11/01/00015097 With reference to above claim on scrutiny of the investigation report we find that your vehicle was parked in the bus stand without lock. Key was left with the vehicle. One of your key was stolen earlier and you have not reported in the police station.
As per our insurance contract reasonable care should be taken by insured to protect his vehicle. Above facts proves the Gross Negligency in your part.
// 6 // Looking into the above facts we are repudiating the claim treating as No Claim.
nkok fujLrhdj.k i= esa nkok fujLr djus ds nks gh vk/kkj fy;s x;s gSa fd okgu fcuk ykWd cl LVSaM esa NksMk+ x;k o nwljk pkch tks iwoZ esa pksjh gks pqdh Fkh dh lwpuk iqfyl Fkkus esa ugha dh xbZ FkhA fdarq pksjh dh lwpuk foyac ls chek daiuh dks lwfpr fd;s tkus dk vk/kkj nkok fujLrhdj.k i= esa ugha fy;k x;k gSA vr% chek daiuh ds vf/koDrk dk ;g rdZ dh chek daiuh dks pksjh dh lwpuk foyac ls lwfpr dh xbZ Fkh vr% nkok fujLr fd;k x;kA Lohdkj fd;s tkus ;ksX; ugha gSA 10- gesa ;g mfpr izrhr gksrk gS fd loZizFke ge ;g fofuf'pr djsa fd D;k okLro esa ifjoknh@vihykFkhZ us dfFkr okgu dks ?kVuk fnukad dks fcuk ykWd fd;s pkch lfgr NksM+ fn;k Fkk\ Ikfjoknh @vihykFkhZ }kjk vfHkysa[k esa eksVj lk;dy dh ,d pkch vfHkys[k esa izLrqr dh gSA ifjoknh }kjk iqfyl c;ku o izFke lwpuk izfrosnu esa pksjh ds rF; dks bl izdkj vfHkO;Dr fd;k x;k gS fd ^^dkQh rst gok rwQku pyus yxk ftlls cpus ds fy;s vius eksVa j lk;dy dks cl LVSaM esa [kM+h dj Hkou ds vanj pyk x;k Fkk djhcu 30 feuV ckn eSa okil ykSVk rks ns[kk fd esjh eksVj lk;dy tgk [kM+k fd;k Fkk ogk ugha FkhA dksbZ vKkr pksj pksjh dj ys x, FksA** bl izdkj ifjoknh }kjk vius dFku esa ;g ugha dgk x;k gS fd ?kVuk fnukad dks dfFkr okgu mlds }kjk ykWd fd;k x;k FkkA bl laca/k esa vukosnd@mRrjoknh }kjk izLrqr Investigation report fnukad 23-04-12 dk ifj'khyu fd;k x;kA vUos"kd d`".k dqekj th-vkj- }kjk chfer ifjoknh ls pksjh ds lac/a k esa iwNrkN dh xbZ Fkh ftlds va'k bl izdkj gS%& // 7 // Enquiries with the Insured:-
The Undersigned had met the insured Mr. T.Laxman Murty and enquired the matter. The statement is as under:-
01. He is the registered owner of Honda Shine motorcycle Vide registration no. CG-07/LY-8611.
02. On 09.04.2012 at about 06.30 p.m., he was on his way to his home driving his aforesaid motorcycle, suddenly the storm with rain was started. He has parked his motorcycle at the bus stand of power house, Bhilai and moved inside the building of bus stand. He has left the key of his motorcycle with the motorcycle only. After 15 minutes when he came out he did'nt find his motorcycle. It was stolen by some unkhown theft.
The Undersigned had asked the insured for the two keys of the stolen vehicle, for which he was stated that the one key of his motorcycly was lost earlier and another key was left with the motorcycle at the time of theft." blds Ik'pkr vUos"kd us ifjoknh@vihykFkhZ ds iq= Vh- jfo dqekj ls pksjh ds lac/a k esa iwNrk{k dh rks mlds }kjk Hkh pksjh ds laca/k esa firk ds mRrj ds leku gh mRrj fn;k x;k] ftlds vk/kkj ij vUos"kd us ;g lqfuf'pr fd;k fd pksjh ds le; eksVj lk;dy dh pkch eksVj lk;dy esa gh NksM+ nh xbZ FkhA pwfa d ifjoknh }kjk eksVj lk;dy dh ,d pkch iwoZ esa gh pksjh gks pwdh FkhA vr% nkok izLrqrh ds le; ifjoknh }kjk chek daiuh ds le{k dfFkr okgu dh nksuksa pkfc;ka izLrqr ugha dh tk ldh FkhA ftyk Qksje ds le{k tks pkch ifjoknh@vihykFkhZ }kjk izLrqr dh xbZ gS mDr pkch ds lac/a k esa ;g /kkj.kk ugha yh tk ldrh gS fd og eksVj lk;dy dh ewy pkch gSA izLrqr pkch MwIyhdsV izrhr gksrh gS] D;skafd ;fn ;g pkch okLro esa eksVj lk;dy dh ewy pkch gksrh rks okLro esa ifjoknh }kjk nkok izLrqr djrs le; chek daiuh dks lqiqnZ dh tkrh bl // 8 // laca/k esa vUos"kd }kjk vius fjiksVZ esa bl izdkj mYys[k fd;k x;k gS%& Tallying the key no. with Invoice:-
"The insured had provided the copy of invoice vice no. 10IN03189, dated 11-03-2011 of Anaal Honda, Bhilai. As per which the key no. of the stolen motorcycle is 9044 but he has not produced the key no. tag, hence the key no. of the stolen motorcycle was not tallied."
vr% ifjoknh }kjk ftyk Qksje ds le{k MwIyhdsV pkch izLrqr dj mls dfFkr okgu dh ewy pkch vfHkO;Dr fd;k x;k gS lkFk gh ifjokn esa Hkh ;g vlR; dFku fd;k x;k gS fd ?kVuk fnukad dks mlds }kjk eksVj lk;dy dks Hkh ykWd fd;k x;k FkkA ifjoknh }kjk vukosnd ;wukbZVsM ba';ksjasl daiuh ds izk:fid lwpuk i= fnukad 18-04-12 tks fd layXud Mh&6 gS] ds ek/;e ls chek daiuh dks pksjh dh ?kVuk lwfpr dh xbZ Fkh mDr nLrkost esa gLrfyfi esa ;g fy[kk x;k gS fd ^^xkM+h dh pkch xkM+h esa FkhA** 11- mijksDrkuqlkj izdj.k ds rF;ksa ij fopkj&foe'kZ djus ds mijkar ge ;g rF; izekf.kr ikrs gSa fd ifjoknh us dfFkr okgu dks ykd fd;s fcuk vlqjf{kr NksMk+ Fkk] tks fd chek ikfylh dh 'krZ dk mYya?ku gSA dfFkr okgu dh ,d pkch iwoZ esa gh pksjh gks pwdh FkhA bl lac/a k esa ifjoknh@vihykFkhZ }kjk iqfyl Fkkuk esa dksbZ lwpuk ugha nh xbZ FkhA vr% gekjs erkuqlkj ifjoknh dks xSj ekud vk/kkj ij ¼ukWu LVs.MM csl½Z nkok jkf'k iznku fd;k tkuk mfpr izfrr gksrk gSA bl lac/a k esa ekuuh; jk"Vªh; vk;ksx dk ;g vkns'k vuqlj.kh; gS%& 2014(1) CPR 61 (NC), Baljeet Vs. United India Insurance Company Ltd.
// 9 // "Theft of vehicle-Claim repudiated on grounds that vehicle was parked in street without any safety, intimation of theft was given to insurance company after a gap or three months and vehicle was being used for hire whereas it was insured with opposite party as private use vehicle-Complaint dismissed by Stae Commission in appeal-Vehicle was insured as private use vehicle but at the time of theft it was being used for commercial purpose-In case of violation of condition of policy as to nature of use of vehicle claim ought to be settled on non-standard basis-Impugned order cannot be sustained-Order passed by District forum confirmed."
vfHkys[k esa izLrqr dfFkr okgu dh chek ikfylh ds vuqlkj eksVj lk;dy dk chfer ewY; ¼IDV½ 43]882@&:- gS dk 75% ifjoknh dks fnyk;k tkuk mfpr gksxkA 12- vr% vihykFkhZ ds }kjk izLrqr vihy Lohdkj dh tkrh gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkrk gSA ,oa mRrjoknh chek daiuh dks funsZf'kr fd;k tkrk gS fd bl vkns'k fnukad ls 30 fnuksa ds vanj ifjoknh dks dfFkr okgu eksVj lk;dy ds chfer ewY; ¼IDV½ 43]882@&:- gS dk 75% jkf'k Hkqxrku djsa vU;Fkk mDr jkf'k ij 6% okf"kZd dh nj ls C;kt vkns'k fnukad ls Hkqxrku fnukad rd Hkh nsus gsrq nkf;Ro/khu gksxkA vihy O;; ds laca/k esa dksbZ vkns'k ugha fd;k tk jgk gSA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼ lqJh fguk BDdj½ v/;{k lnL;k @04@2014 @4@2014