State Consumer Disputes Redressal Commission
Iffco Tokio General Insurance Co.Ltd. vs Balbhadra Ram & Ors. on 24 August, 2015
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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; MMlsuk] vf/koDrkA mRrjoknh dzekad&2 vuqifLFkrA mRrjoknh dzekad&3 dh vksj ls Jh jkds'k iqjh] vf/koDrkA vkns'k fnukad% 24@08@2015 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd dz-3 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] // 2 // ljxqtk&vfEcdkiqj ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&2014@4 cyHknz jke fo:) 'kkL=h ,xzks baMLVªht ,oa nks vU; esa ikfjr vkns'k fnukad&04-02-2015 ftlds }kjk mRrjoknh dzz-1@ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **13- vukosnd dzekad&3 dqy chek jkf'k esa ls 75 izfr'kr jkf'k vFkkZr~ 5]11]058-25 ¼ikap yk[k X;kjg gtkj vaBkou :Ik;s iPphl iSls½ ,oa vukosnd dzekad&1 dqy chek jkf'k ds 25 izfr'kr jkf'k vFkkZr~ 1]70]352-75 ¼,d yk[k lRrj gtkj rhu lkS ckou :Ik;s ipgRrj iSls½ vkSj vkosnu fnukad&23-12-2013 ls 6 izfr'kr okf"kZd C;kt 45 fnol ds Hkhrj Hkqxrku djsaA blds vfrfjDr ifjoknh ds ekufld O;Fkk gsrq vukosnd dz-3] ifjoknh dks 1]000@&¼,d gtkj :Ik;s½ vkSj vukosnd dz-1] ifjoknh dks 4]000@&¼pkj gtkj :Ik;s½ iznku djsaxsA 14- bl ifjokn ds O;; vukosnd dz-1 ,oa 3 Lo;a ds rFkk ifjoknh ds Hkh O;; 4]000@&¼pkj gtkj :Ik;s½ cjkcj&cjkcj ogu djsaxs] ftlesa vf/koDrk 'kqYd Hkh lekfgr gSA 15- izfrdj gsrq ifjokn] vukosnd dz-2 ds fo:} izekf.kr ugha gqvk gS] vkSj u gh mlls izfrdj pkgh xbZ gSA vr% vukosnd dz-2 ds fo:} ifjoknh dk ifjokn fujLr fd;k tkrk gSA ** ls 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 mRrjoknh dz-1@ifjoknh ,l- bZ- lh- ,y- ls fnukad&19-04-2012 dks lsok fuo`Rr gqvkA mRrjoknh dz-1@ifjoknh us VsªDVj dz; djus gsrq 'kkL=h ,xzks baMLVªht eusUnzx<+ jksM lwjtiqj ftyk // 3 // lwjtiqj ls laidZ fd;k vkSj crk;k fd vHkh mlds ikl 6]50]000@&¼N% yk[k ipkl gtkj :Ik;s½ gS ftl ij mRrjoknh dz-2@vukosnd dz-1 us dgk fd vki iSlk tek dj VsªDVj ys tkbZ;s 'ks"k jkf'k QkbZusal djk nwaxk vkSj fglkc&fdrkc ckn esa gks tk,xk rc mRrjoknh dz-1@ifjoknh us fnukad&27-11-2012 dks 6]50]000@&¼N% yk[k ipkl gtkj :Ik;s½ vnk dj VsªDVj 275 ih ,l Mh vkbZ egsUnzk baftu ua-&,u-,Q-,Q-ch-00030 ys x;k ftldh jlhn mRrjoknh dz-2@vukosnd dz-1 }kjk iznku dh xbZA mRrjoknh dz-2@vukosnd dz-1 us dgk fd VsªDVj dk iath;u vkSj chek ds fy, 30]000@&¼rhl gtkj :Ik;s½ i`Fkd ls tek djus ij iath;u vkSj chek djk nwaxk rc mRrjoknh dz-1@ifjoknh us fnukad&19-12-2012 dks chek vkSj jftLVªs'ku ds fy, 30]000@&¼rhl gtkj :Ik;s½ tek fd;k ftldh Hkh jlhn iznku dh xbZA mRrjoknh dz-2@vukosnd dz-1 }kjk mRrjoknh dz-3@vukosnd dz-2 ds ek/;e ls vihykFkhZ@vukosnd dz-3 ls fnukad&14-01-2013 ls fnukad&13-01-2014 rd VsªDVj o Vªkyh dk 6]81]811@&¼N% yk[k bD;klh gtkj vkB lkS X;kjg :Ik;s½ gsrq 10]140-51 ¼nl gtkj ,d lkS pkyhl :Ik;s bD;kou iSls½ vnk dj chek djk;k ftldk ikWfylh dzekad&1&1 ;w D;w oh 8 ,e vkbZ ih 400 82604164 gSA mRrjoknh dz-1@ifjoknh dk VsªDVj dke djus ds ckn fnukad&09-04-2013 dks 5-00 cts 'kke dks ?kj ykSVk rFkk ?kj ds lkeus tgka jkst VsªDVj o Vªkyh [kM+k djrk Fkk] [kM+k dj lkekU; fnup;kZ esa yx x;k vkSj tc lqcg 5-00 cts mBk rks ns[kk fd VsªDVj] Vªkyh lfgr xk;c gS ftldh [kkstchu djus ij ugha feyh rc iqfyl Fkkuk esa fnukad&10-04-2013 dks VsªDVj o Vªkyh xqe gksus dh lwpuk fn;k rc iqfyl okys vk;s vkSj [kkstchu djus ds ckn Hkh tc VsªDVj o Vªkyh ugha feyh rc fnukad&11-04-2013 dks ,Q- vkbZ- vkj- ntZ fd;s ftlds ckn mRrjoknh dz-1@ifjoknh }kjk fodzsrk vkSj QkbZusal daiuh dks lwpuk fn;k D;ksafd rc rd mRrjoknh dz-1@ifjoknh dks chek daiuh dk uke] irk dqN Hkh ugha ekywe Fkk vkSj u gh chek dk dkxtkr mRrjoknh dz-1@ ifjoknh ds ikl Fkk vkSj dgk fd chek nkok Hkj nks ijUrq os cksys fd // 4 // iqfyl dh foospuk [kRe gksus ds ckn gh nkok gks ldsxkA chek ds nLrkost ckj&ckj ekaxs tkus ij mRrjoknh dz-1@ifjoknh dks feyk ftlds vk/kkj ij mRrjoknh dz-1@ifjoknh us vihykFkhZ@vukosnd dz-3 ds LFkkuh; dk;kZy; vfEcdkiqj ljxqtk dks nsus dk iz;kl fd;k ijUrq LFkkuh; dk;ZdrkZ us lwpuk ysus ls euk dj fn;k ftl ij vihykFkhZ@vukosnd dz-3 o LFkkuh; dk;kZy; dks iathd`r i= ds ek/;e ls fyf[kr vkosnu cuokdj fnukad&01-06-2013 dks izsf"kr fd;k rc vihykFkhZ@vukosnd dz-3 chek diauh us ,d losZ;j mRrjoknh dz-1@ ifjoknh ds ikl Hkstk ftlus viuk uke caVh crk;k rFkk okgu ds leLr ewy nLrkost izkIr fd;k vkSj 50@&¼ipkl :Ik;s½ ds LVkai isij ij nkok jfk'k izkIr djus gsrq ca/k&i= cuokdj gLrk{kj djkdj ys x;k] lkFk gh vkj- Vh- vks- dk;kZy; ds uke ij vkosnu&i= Hkh fy[kkdj Hkstk gS fd mRrjoknh dz-1@ifjoknh ds okgu VsªDVj 275 ih ,l Mh- vkbZ egsUnzk baftu ua-&,u ,Q ,Q ch 00030 okgu dk iath;u u fd;k tkosA mRrjoknh dz-1@ifjoknh ds nkok dks vukosndx.k }kjk voS/k :Ik ls yafcr j[kk x;k gS ftlds dkj.k mRrjoknh dz-1@ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- mRrjoknh dz-2@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k dksbZ fyf[kr dFku ,oa nLrkost izLrqr ugha fd;k x;k gSA 04- mRrjoknh dz-3@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 fof/k vuqlkj eqEcbZ fLFkr U;k;ky; dks orZeku izdj.k ds fujkdj.k dk {ks=kf/kdkj izkIr gS rFkk e/;LFkrk vf/kfu;e ds izko/kkuksa ls ckf/kr gksus ds dkj.k orZeku ifjokn&i= Qksje ds le{k izpyu ;ksX; ugha gS rFkk mRrjoknh dz-1@ifjoknh dk ifjokn vof/k ckg~; gS gksus ds dkj.k fujLr fd;s tkus ;ksX; gSA mRrjoknh dz-3@vukosnd dz-2 ,d foRrh; iznkrk // 5 // daiuh gS tks vuqca/k 'krksZa ij foRrh; lgk;rk iznku djrh gSA mRrjoknh dz-1@ifjoknh us mRrjoknh dz-3@vukosnd dz-2 ls vuqca/k 'krksZa ij efgUnzk VsªDVj 275 Mh vkbZ baftu ua&NFFB00030 psfpl ua-& NFFB00030 gsrq 1]50]000@&¼,d yk[k ipkl gtkj :Ik;s½ dh foRrh;
lgk;rk izkIr fd;k ftl ij Qk;usal pktZ 9]500@&¼ukS gtkj ikap lkS :Ik;s½ dqy&1]59]500@&¼,d yk[k mulB gtkj ikap lkS :Ik;s½ dks vuqca/k 'krksZa ds vuqlkj fu;fer :Ik ls fcuk fdlh foyac ds 11 ekfld fd'rksa esa vnk fd;k tkuk FkkA mRrjoknh dz-1@ifjoknh }kjk chek ,oa jftLVªs'ku gsrq okgu fodzsrk daiuh dks jkf'k iznku dh xbZ Fkh vFkkZr~ okgu ds iath;u ,oa chek djk;s tkus dk nkf;Ro mRrjoknh dz-1@ ifjoknh ,oa okgu fodzsrk dk FkkA okgu dk chek mRrjoknh dz-2@ vukosnd dz-1 }kjk vihykFkhZ@vukosnd dz-3 dh chek daiuh ls djk;k x;k ftldh vof/k fnukad&14-01-2013 ls fnukad&13-01-2014 rd FkhA tks Hkh i=kpkj fd;k x;k Fkk og vihykFkhZ@vukosnd dz-3 ,oa mlds LFkkuh; dk;kZy; ls fd;k x;k FkkA mRrjoknh dz-3@vukosnd dz-2 ds fo:} dksbZ okn dkj.k mRiUu ugha gqvk gSA mRrjoknh dz-1@ifjoknh] mRrjoknh dz-3@vukosnd dz-2 ls dksbZ lgk;rk izkIr djus dk vf/kdkjh ugha gSA mRrjoknh dz-3@vukosnd dz-2 daiuh vf/kfu;e] 1956] ds varxZr xfBr ,d iathd`r Qk;usal daiuh gS tks fd fofHkUu izdkj ds okguksa dks dz; djus gsrq ek= foRrh; lqfo/kk iznRr djus dk dk;Z djrh gS uk fd fdlh izdkj ds okguksa dks fofuekZ.k ;k fodz; djus vkSj u gh chek o iath;u djkus dk dk;Z djrh gS vFkkZr~ vukosndx.k i`Fkd&i`Fkd laLFkk,a gS ,oa lHkh dk dk;Z{ks= Hkh vyx&vyx gSA mRrjoknh dz-1@ ifjoknh }kjk mRrjoknh dz-3@vukosnd dz-2 daiuh ls izkIr foRrh; lqfo/kk dk Hkqxrku fd;k tk pqdk gS fdUrq mRrjoknh dz-1@ifjoknh }kjk vkt fnukad rd okgu dk iath;u izek.k&i= mRrjoknh dz-3@vukosnd dz-2 dks iznku ugha fd;k x;k gS vkSj mRrjoknh dz-1@ifjoknh }kjk okgu dk iath;u izek.k&i= dh izfr izLrqr djus ij mRrjoknh dz-3@ vukosnd dz-2 }kjk vukifRr izek.k&i= tkjh dj iznku dj fn;k // 6 // tk,xkA okgu dk chek vihykFkhZ@vukosnd dz-3 }kjk izhfe;e jkf'k ysdj fd;k x;k gS vr% {kfriwfrZ nsus dk nkf;Ro vihykFkhZ@vukosnd dz- 3 dk gSA ekuuh; jk"Vªh; vk;ksx }kjk dbZ izdj.kksa esa ;g ekuk x;k gS fd ;fn dksbZ HkkM+k dz; vuqca/k Qk;usalj ,oa HkkM+ dzsrk ds chp esa izfrikfnr gks rks ;g ugha ekuk tk ldrk gS fd vukosnd daiuh ds }kjk HkkM+k dzsrk **gkW;jj** dks fdlh izdkj dh lsok ns jgk gSA vr% ;g Li"V gS fd mRrjoknh dz-1@ifjoknh ,oa vukosnd daiuh ds e/; vkil esa miHkksDrk ds laca/k ugha gSA _.k ds ysu&nsu esa vukosnd daiuh }kjk HkkM+k dzsrk dks fdlh izdkj dh lsok iznku ugha dh tkrh gS tks fd miHkksDrk laj{k.k vf/kfu;e] 1986] ds v/khu vkrh gks] bl dkj.k HkkM+k dzsrk miHkksDrk dh Js.kh ,oa vf/kdkj {ks= esa ugha vkrk gSA vr% mRrjoknh dz-1@ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 05- vihykFkhZ@vukosnd dz-3 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkdFku fd;k x;k gS fd okgu VsªDVj baftu ,oa psfpl ua-&NFFB00030 rFkk Vªkyh chek ikWfylh ds 'krksZa ds rgr mRrjoknh dz-1@ifjoknh ds uke ls fnukad&14-01-2013 ls fnukad&13-01-2014 rd vihykFkhZ@vukosnd dz-3 ls chfer gSA VsªDVj dk chek /ku&5]43]661@&¼ikap yk[k frjkyhl gtkj N% lkS bdlB :Ik;s½ rFkk Vªkyh dk chek /ku&1]37]750@&¼,d yk[k lSarhl gtkj lkr lkS ipkl :Ik;s½ dqy&6]81]411@&¼N% yk[k bD;klh gtkj pkj lkS X;kjg :Ik;s½ gsrq tksf[ke dOgj gSA chfer okgu dk pksjh gksuk fnukad&10-04-2013 ds izFke lwpuk&i= ds vk/kkj ij gS ijUrq okgu pksjh dh lwpuk fnukaD&05-06-2013 dks yxHkx 01 ekg 25 fnu ckn chek daiuh dks nh xbZ gS tks chek ikWfylh dk ?kksj mYya?ku gSA chfer okgu pksjh fnukad&10-04-2013 dks ifjogu vf/kdkjh ds dk;kZy; esa jftLVMZ ugha Fkk rFkk VsªDVj&Vªkyh dk jftLVªs'ku dzekad ugha Fkk tks chek ikWfylh dk ?kksj mYya?ku gSA chek gsrq ftl frfFk dks izhfe;e izkIr gqvk gS mlh fnukad dks vihykFkhZ@vukosnd dz-3 chek daiuh }kjk chek // 7 // ikWfylh tkjh fd;k x;k gSA okgu dks lqjf{kr j[ks tkus gsrq mRrjoknh dz-1@ifjoknh }kjk dksbZ mik; ugha fd;k x;k Fkk cfYd [kqys LFkku ij chfer okgu [kM+h j[kk x;k Fkk tks chek ikWfylh dk ?kksj mYya?ku gS ftlds dkj.k nkok pyus ;ksX; ugha gSA vihykFkhZ@vukosnd dz-3 chek daiuh vFkok mlls lacaf/kr fdlh Hkh O;fDr }kjk vkj- Vh- vks- vFkok vU; O;fDr dks i= ugha fy[kk x;k gSA okgu pksjh dh rRdky lwpuk vihykFkhZ@vukosnd dz-3 chek daiuh dks ugha nh xbZ gSA vihykFkhZ@ vukosnd dz-3 chek daiuh }kjk mRrjoknh dz-1@ifjoknh dk nkok fujLr dj lsok esa dksbZ deh ugha dh xbZ gS vfirq okn dkj.k ,oa lsok dk iz'u gh mRiUu ugha gksrk gSA chek ikWfylh chek 'krksZa ds rgr tkjh gS ftldk ?kksj mYya?ku mRrjoknh dz-1@ifjoknh }kjk fd;k x;k gSA ,slh fLFkfr esa mRrjoknh dz-1@ifjoknh] vihykFkhZ@vukosnd dz-3 chek daiuh ls dksbZ {kfriwfrZ izkIr djus dk vf/kdkjh ugha gSA vr% izLrqr ifjokn fujLr fd;k tkosA 06- mRrjoknh dz-1@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k mRrjoknh dz-1@ifjoknh }kjk vihykFkhZ@vukosnd dz-3 dks nh xbZ pksjh dh lwpuk (Annexure-1) ,oa iksLV jlhn fnukad&01-06- 2013 (Annexure A-1 to A-2) dk vly rFkk izFke lwpuk izfrosnu fnukad&11-04-2013 (Annexure A-3)] chek ikWfylh (Annexure A-4)] 'kkL=h ,xzks baMLVªht dk fMfyojh pkyku rFkk ikorh fnukad&27-11-2012 (Annexure A-5 to A-6)] ikorh fnukad&19-12-2012 (Annexure A-7)] lsVyesaV vkWQ ,dkm.V fnukad&21-09-2013 (Annexure A-8) rFkk dk;kZy; iqfyl v/kh{kd] ftyk lwjtiqj }kjk mRrjoknh dz-1@ifjoknh dks vafre tkap izfrosnu ds laca/k esa izsf"kr i= fnukad&06-11-2013 rFkk vafre izfrosnu (Annexure A-9) dh QksVks dkih izLrqr fd;k gSA // 8 // 07- mRrjoknh dz-3@vukosnd dz-2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lsVyesaV vkWQ ,dkm.V fnukad&01-03-2014 dh QksVks dkih izLrqr fd;k gSA 08- vihykFkhZ@vukosnd dz-03 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k uks Dyse i= fnukad&10-03-2014] chek ikWfylh] ?kks"k.kk QkeZ rFkk losZ;j fjiksVZ dh QksVks dkih izLrqr fd;k gSA 09- ftyk Qksje us mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{; ds ifj'khyu Ik'pkr~ mRrjoknh dz-1@ifjoknh ds ifjokn dks Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gSA 10- vihykFkhZ@vukosnd dz-3 dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ih- ds- ikWy dk ;g rdZ gS fd ftyk Qksje }kjk ikfjr vkyksP; vkns'k iw.kZr% fof/k foijhr gSA chek ikWfylh dh lafonk mHk;i{k ij leku :Ik ls ca/kudkjh gksrk gSA mRrjoknh dz-1@ifjoknh us okgu dks vlqjf{kr NksM+ fn;k Fkk vkSj mldh lqj{kk dk leqfpr mik; ugha fd;k Fkk vkSj blls Li"V gS fd mRrjoknh dz-1@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gSA okgu dh pksjh fnukad&09@10-04-2013 dh jkf= gksuk crk;k x;k gS ijUrq yxHkx 25 fnu ckn chek daiuh dks lwpuk nh xbZ gS vkSj bl izdkj chek daiuh vius vf/kdkjksa ls oafpr jgk gS tks fd chek lafonk dh 'krZ dz-1 dk mYya?ku gSA mRrjoknh dz-1@ifjoknh }kjk okgu dk iath;u djk, fcuk gh okgu dk mi;ksx fd;k tk jgk Fkk tks fd tks fd eksVj ;ku vf/kfu;e dh /kkjk&39 ds izko/kku ds foijhr Fkk vkSj 5&6 ekg rd fcuk iath;u djk, mi;ksx djrs jgk gS vkSj blfy, Hkh mRrjoknh dz-1@ifjoknh }kjk chek ikWfylh dh 'krksZa ds lkFk&lkFk eksVj ;ku vf/kfu;e ds izko/kku dk mYya?ku fd;k x;k gSA mRrjoknh dz- 1@ifjoknh fdlh izdkj dk vuqrks"k ikus dk vf/kdkjh ugha gSA ftyk Qksje dk vkns'k iw.kZr% =qfViw.kZ vkSj fof/k foijhr gS vkSj fujLrh ;ksX; gSA // 9 // vr% vihykFkhZ@vukosnd dz-3 dh vihy Lohdkj djrs gq, ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vihykFkhZ@vukosnd dz-3 dh vksj ls vius rdZ ds leFkZu esa Shriram General Insurance Co. Ltd. Vs. Mahender Jat I (2015) CPJ 74 (NC), HDFC Ergo General Insurance Co. Ltd. Vs. Bhagchand Saini I (2015) CPJ 206 (NC), Ramadhar Singh Vs. Universal Shampi General Insurance Co. Ltd. & Ors. II (2015) CPJ 398 (NC), rFkk Saleena Rani Vs. United India Insurance Company Ltd. & Anr. I (2015) CPJ 220 (NC) ds U;k; n`"Vkar dk voyacu fy;k gSA 11- mRrjoknh dz-1@ifjoknh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh lat; MMlsuk dk ;g rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% fof/k lEer vkns'k gS] mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA tSls gh okgu pksjh dh tkudkjh gqbZ rRdky lacaf/kr Fkkus dks fjiksVZ fd;k x;k Fkk vkSj bldh lwpuk ba';ksjsal daiuh dks nh xbZ Fkh rFkk mRrjoknh dz-1@ifjonh }kjk Qk;usal daiuh dks okgu ds iath;u djkus ,oa chek ikWfylh ds fy, jkf'k dk Hkqxrku dj fn;k x;k FkkA mRrjoknh dz-1@ifjoknh }kjk 30]000@&¼rhl gtkj :Ik;s½ jftLVªs'ku gsrq vnk fd;k Fkk ijUrq Qk;usal daiuh }kjk jftLVªs'ku ugha djk;k x;k vkSj bl rF; dh tkudkjh mRrjoknh dz-1@ ifjoknh dks ugha gks ikbZ FkhA mRrjoknh dz-1@ifjoknh us tku&cw>dj iath;u djkus esa foyac dkfjr ugha fd;k gS vkSj u gh fdlh izdkj ls chek ikWfylh dh 'krksZa ,oa eksVj ;ku vf/kfu;e ds izko/kkuksa dk mYya?ku fd;k gSA ,slh fLFkfr esa vihykFkhZ@vukosnd dz-3 dh vihy fujLrh ;ksX; gSA vr% vihykFkhZ@vukosnd dz-3 dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 12- mRrjoknh dz-2@vukosnd dz-1 dh vksj ls bl vk;ksx ds le{k dksbZ mifLFkr ugha gq, gSaA // 10 // 13- mRrjoknh dz-3@vukosnd dz-2 dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh jkds'k iqjh us vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh }kjk izLrqr rdZ dk leFkZu djrs gq, O;Dr fd;k fd ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 14- 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;kA 15- mRrjoknh dz-1@ifjoknh ds vuqlkj fnukad&09-04-2013 dks 'kke 5-00 cts og ?kj ds lkeus VsªDVj&Vªkyh dks [kM+k fd;k Fkk vkSj tc fnukad&10-04-2013 dks lqcg tkdj ns[kk rks VsªDVj&Vªkyh ugha Fkk rc VsªsDVj&Vªkyh pksjh gksus dh lwpuk fnukad&11-04-2013 dks fn;k Fkk vkSj ,Q- vkbZ- vkj- ntZ fd;k x;k FkkA mRrjoknh dz-1@ifjoknh dh vksj ls izFke lwpuk&i= dh izfr ¼izn'kZ ,&3½ izLrqr fd;k x;k gS ftlesa ?kVuk fnukad&10-04-2013 vkSj Fkkus esa lwpuk izkIr gksus dk fnukad&11-04-2013 dh lqcg 10-30 cts crk;k x;k gSA bl izdkj ;g Li"V gS fd ?kVuk ds nwljs fnu gh Fkkus esa fjiksVZ dj fn;k x;k gS vkSj bl izdkj Fkkus esa fjiksVZ djus esa vuko';d foyac dkfjr ugha fd;k x;k gSA vc ;g ns[kuk gS fd D;k mRrjoknh dz-1@ifjoknh us vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh dks Hkh pksjh dh ?kVuk dh lwpuk vfoyac izsf"kr fd;k Fkk\ 16- mRrjoknh dz-1@ifjoknh us vius ifjokn&i= dh dafMdk&4 esa crk;k gS fd mlus Qk;usal daiuh dks lwpuk fn;k Fkk] mRrjoknh dz- 1@ifjoknh dks rc rd chek daiuh dk uke] irk dqN Hkh ekywe ugha Fkk vkSj uk chek ds dkxtkr mRrjoknh dz-1@ifjoknh ds ikl FksA blls Li"V gS fd mRrjoknh dz-1@ifjoknh }kjk chek daiuh dks rRdky lwpuk ugha fn;k x;k FkkA mRrjoknh dz-1@ifjoknh dh vksj ls ,d i= ¼izn'kZ ,&1½ izLrqr fd;k x;k gSA mDr i= mRrjoknh dz-1@ifjoknh cyHknz jke }kjk bQdks Vksfd;k tujy ba';ksjsal daiuh dks fy[kk x;k i= gS // 11 // ijUrq bl ij dksbZ fnukad vafdr ugha gS] ds }kjk igyh ckj vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh dks pksjh dh ?kVuk dh lwpuk nh xbZ gSA bl i= ds lkFk ,d jftLVªh dh jlhn ¼izn'kZ ,&2½ layXu gS vkSj ftlesa fnukad&01-06-2013 dh frfFk vafdr gSA blls izrhr gksrk gS fd mRrjoknh dz-1@ifjoknh us vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh dks fnukad&01-06-2013 dks pksjh laca/kh ?kVuk dh tkudkjh izLrqr fd;k Fkk tks fd ?kVuk fnukad ls yxHkx Ms<+ ekg Ik'pkr~ fn;k x;k gS vkSj blds laca/k esa mRrjoknh dz-1@ifjoknh }kjk tks Li"Vhdj.k fn;k x;k gS og fo'oluh; ,oa Lohdkj ;ksX; ugha gSA 17- Jaspal Kaur & Anr. vs. New India Assurance Company Limited, II (2015) CPJ 727 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. We are of the considered view that the order passed by the State Commission cannot be faulted. The Apex Court in Oriental Insurance Co. Ltd. v. Parvesh Chander Chadha, Civil Appeal No.6739, decided on 17.08.2010, was pleased to hold :
"Admittedly the respondent had not informed the appellant about the alleged theft of the insured vehicle till he sent letter dated 22.5.1995 to the Branch Manager. In the complaint filed by him, the respondent did not give any explanation for this unusual delay in informing the appellant about the incident which give rise to cause for claiming compensation. Before the District Forum, the respondent did state that he had given copy of the first information report to Rajender Singh Pawar through whom he had insured the car and untraced report prepared by police on 19.9.1995 was given to the said Shri Rajender Singh Pawar, but his explanation was worthless because in terms of the policy, the respondent was required to inform the appellant about the theft of the insured vehicle. It is difficult, if not impossible to fathom any reason why the respondent, who is said to have lodged First Information // 12 // Report on 20.1.1995 about the theft of car did not inform the Insurance Company about the incident. In terms of the policy issued by the appellant, the respondent was duty bound to inform it about the theft of the vehicle immediately after the incident. On account of delayed intimation, the appellant was deprived of its legitimate right to get an inquiry conducted into the alleged theft of the vehicle and make an endeavour to recover the same. Unfortunately, all the consumer Foras omitted to consider this grave lapse on the part of the respondent and directed the appellant to settle his claim on non-standard basis. In our view, the appellant cannot be saddled with the liability to pay compensation to the respondent despite the fact that he had not complied with the terms of the policy."
4. Again this Commission in the case of New India Assurance Co. Ltd. vs. Trilochan Jane, IV (2012) CPJ 441 (NC) = in First Appeal No.321 of 2005, decided on 09.12.2009 took the same view and discussed the word immediately :
"As per Strouds Judicial Dictionary, Fifth Edition, word immediately is defined as under :
(1) The word immediately, although in strictness it excludes all mean times, yet to make good the deeds and intents of parties it shall be construed such convenient time as is reasonable requisite for doing the thing.
As per Black's Law Dictionary, Sixth Edition, word immediately means :
Immediately. Without interval of time, without delay, straightaway, or without any delay or lapse of time. When used in contract is usually construed to mean within a reasonable time having due regard to the nature of the circumstances of the case, although strictly, it means, not deferred by any period of time. The words immediately and forthwith have generally the same meaning. They are stronger // 13 // than the expression within a reasonable time and imply prompt, vigorous action without any delay."
Halsbury's Laws of England, 4th Ed., Vol. 23, para 1618, p. 1178 where it meant immediately is to be construed as meaning with all reasonable speed, considering the circumstances of the case.
The word immediately is stronger than the expression within a reasonable time. It was held that compensation on non-standard basis cannot be granted. The case of National Insurance Company Limited v. Nitin Khandelwal, reported in IV (2008) CPJ 1 (SC) = (2008) 11 SCC 256, was also discussed."
18. Shriram General Insurance Co. Ltd. & Anr. vs. Gurshinder Singh & Anr., II (2015) CPJ 750 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. Admittedly, there is delay of 52 days in intimation to Insurance Company. Learned Counsel for the petitioner placed reliance on judgment of this Commission in IV (2012) CPJ 441 (NC), New India Assurance Co. Ltd. v. Trilochan Jane, in which on account of delay of 2 days in lodging FIR and delay of 9 days in intimation to Insurance Company regarding theft of vehicle, claim of complainant was dismissed. He has also placed reliance on I (2014) CPJ 29 (NC), New India Assurance Co. Ltd. vs. Ram Avtar, in which claim was dismissed on account of delay of 35 days in intimation to Insurance Company regarding theft of vehicle, though, FIR was lodged on the same day. He also placed reliance on judgment of Apex Court in C.A. No.6739 of 2010, Oriental Insurance Co. Ltd. v. Parvesh Chander Chadha, in which orders of Fora below including National Commission were set aside and complaint was dismissed as vehicle was stolen between 18.1.1995 to 20.1.1995 and FIR was lodged on 20.1.1995, but intimation to Insurance Co. was given on 22.5.1995. In the aforesaid case, it was also observed that complainant was duty-
// 14 // bound to inform about theft of the vehicle to the Insurance Company immediately after the incident.
7. In the light of aforesaid judgments, it becomes clear that on account of delay of 52 days in intimation to Insurance Company regarding theft of insured vehicle, OP has not committed any deficiency in repudiating claim and learned District Forum committed error in allowing complaint and learned State Commission further committed error in dismissing appeal."
19. Sarfarjudeen v. New India Assurance Co. Ltd., I (2015) CPJ 748 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "5. We do not find any infirmity in the impugned order, which would justify our interference with it. The petitioner has not placed any material before us to take a different view. We, therefore, do not find any substance in the revision petition, which is liable for dismissal. While on the subject we would like to mention that in addition to what is observed by the State Commission, we may note that there was delay of four days in lodging FIR and admittedly, the intimation about the information of theft was sent to the Insurance Company after a month of the theft. The terms of the policy require immediate action in such cases and as per settled law, such delay in the case of theft would result in outright repudiation of the claim because delay in lodging the FIR or intimating the Insurance Company would be disastrous to the interests of the Insurance Company and the same constitutes violation of a fundamental condition of the insurance contract. On this count also we are convinced that the claim of the petitioner was liable for repudiation. In view of above, the revision petition is dismissed but with no order as to costs."
20. Shriram General Insurance Co. Ltd. vs. Mahender Jat (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 15 //
17. We have considered the rival contentions. Hon'ble Supreme Court in the matter of Oriental Insurance Co. Ltd. vs. Parvesh Chander Chadha (supra) dismissed the complaint holding that in terms of the policy issued by the insurance policy, the insured was duty bound to inform about the theft of the vehicle immediately after the accident. Delay in intimation deprives the insurance company of its legitimate right to get enquiry conducted into the alleged theft of vehicle and make an endeavour to recover the same. It was further held that the insurance company could not be saddled with the liability to pay the compensation to the insured despite the fact that he has not complied with the terms of the policy. Relevant observations of the Supreme Court read as under :-
"Admittedly the respondent had not informed the appellant about the alleged theft of the insured vehicle till he sent letter dated 22.5.1995 to the Branch Manager. In the complaint filed by him, the respondent did not give any explanation for this unusual delay in informing the appellant about the incident which gave rise to cause for claiming compensation. Before the District Forum, the respondent did state that he had given copy of the first information report to Rajender Singh Pawar through whom he had insured the car and untraced report prepared by police on 10.9.1995 was given to the said Shri Rajinder Singh Pawar, but this explanation was worthless because in terms of the policy, the respondent was required to inform the appellant about the theft of the insured vehicle. It is difficult, if not impossible, to fathom any reason why the respondent, who is said to have lodged First Information Report on 20.1.1995 about the theft of car did not inform the insurance company about the incident. In terms of the policy issued by the appellant, the respondent was duty bound to inform the theft of the vehicle immediately after the incident. On account of delayed intimation, the appellant was deprived of its legitimate right to get an inquiry conducted into the alleged theft of the vehicle and make an edeavour to // 16 // recover the same. Unfortunately, all the consumer foras omitted to consider this grave lapse on the part of the respondent and directed the appellant to settle his claim on non-standard basis. In our view, the appellant cannot saddled with the liability to pay compensation to the respondent despite the fact that he had not complied with the terms of the policy."
18. The said judgment has been followed by Coordinate Bench of this Commission in the matter of Dharambir v. Oriental Insurance Co. Ltd. (supra). From this it is evident that the issue raised in this revision petition is no more res integra. Admittedly the intimation of theft was given to the Insurance Company 21 days after the theft. Thus, finding of the State Commission allowing the claim by the respondent is not justified."
21. Kulwant Singh vs. The Managing Director, United India Insurance Co. Ltd. & Others, 2015 (1) CLT 106, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "in terms of policy issued by the appellant, the respondent was duty bound to inform it about the theft of the vehicle immediately after the incident. On account of delayed intimation, the appellant was deprived of its legitimate right to get an inquiry conducted into the alleged theft of the vehicle and make an endeavour to recover the same. It is further observed that such a delay can be fatal as within three days the vehicle could have been driven long distance even across the border of the country or could have been dismantled and sold to the scrap dealer. Thus, by delaying the information of theft to the police, the petitioner insured had acted against the interest of the insurer and this violation of condition is fundamental to the loss caused which justifies the repudiation of claim by the respondent Insurance Company."
// 17 // 22- bl izdj.k esa pksjh dh ?kVuk fnukad&09@10-04-2013 dh njE;kuh jkr dks gqvk gS rFkk chek daiuh dks lwpuk fnukad&01-06-2013 dks fn;k x;k gS tks fd ?kVuk fnukad ls yxHkx Ms<+ ekg ckn gS rFkk mRrjoknh dz-1@ifjoknh }kjk bl laca/k esa dksbZ fo'oluh; ,oa larks"kizn Li"Vhdj.k ugha fn;k x;k gS rFkk mRrjoknh dz-1@ifjoknh }kjk foyac ds laca/k esa dsoy ;g crkus dk iz;kl fd;k x;k gS fd chek ds dkxtkr mlds ikl ugha Fks vkSj chek daiuh ds ckjs esa tkudkjh ugha FkkA mRrjoknh dz-1@ifjoknh }kjk fn;k x;k Li"Vhdj.k iw.kZr% vfo'oluh; gS vkSj bl izdkj ;g Li"V gS fd mRrjoknh dz-1@ifjoknh us vihykFkhZ@vukosnd dz-3 dks vR;f/kd foyac ls lwpuk fn;k gS vkSj ftlds dkj.k ls vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh dk tks vuqla/kku djus laca/kh vf/kdkj gS mlls og oafpr jgk gS vkSj vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh dk ;g vf/kdkj Fkk fd og pksjh dh ?kVuk dh lR;rk ds laca/k esa tkap djkos ijUrq foyac ls lwpuk izkIr gksus ds dkj.k ls vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh vius mDr vf/kdkjksa dk mi;ksx djus ls oafpr jgk gSA 23- vihykFkhZ@vukosnd dz-3 ba';ksjsal daiuh dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd mRrjoknh dz-1@ifjoknh us okgu dk jftLVªs'ku ugha djk;k Fkk vkSj fcuk jftLVªs'ku ds gh okgu dks pykrs jgk gSA mRrjoknh dz-1@ifjoknh us vius ifjokn&i= esa Hkh okgu ds iath;u dzekad dk mYys[k ugha fd;k gS vkSj dsoy ;g crk;k gS fd 30]000@&¼rhl gtkj :Ik;s½ VsªDVj&Vªkyh ds iath;u gsrq mRrjoknh dz- 2@vukosnd dz-1 dks fn;k Fkk ijUrq bl laca/k esa mRrjoknh dz-1@ ifjoknh }kjk dksbZ nLrkost izLrqr ugha fd;k x;k gSA mRrjoknh dz-1@ ifjoknh dh vksj ls ,usD'pj ,&7 dk nLrkost is'k fd;k x;k ftlesa fnukad&19-12-2012 dh frfFk vafdr gS vkSj mlesa 30]000@&¼rhl gtkj :Ik;s½ fn;s tkus dk mYys[k gS ijUrq mDr nLrkost esa ;g mYysf[kr ugha gS fd og 30]000@&¼rhl gtkj :Ik;s½ iath;u djkus ds ,ot esa // 18 // mRrjoknh dz-1@ifjoknh }kjk fn;k x;k FkkA mRrjoknh dz-1@ifjoknh dh vksj ls ,slk dksbZ lk{; Hkh izLrqr ugha gS ftlls ;g izdV gks fd mlus iath;u gsrq vkj- Vh- vks- dk;kZy; esa dksbZ vkosnu&i= fn;k FkkA 24- Provisions of Section 39 of The Motor Vehicles Act, 1988 runs thus :-
"39. Necessity for registration. - No person shall drive any motor vehicle and no owner or a motor vehicle shall cause or permit the vehicle to be driven in any public place or in any other place unless the vehicle is registered in accordance with this Chapter and the certificate of registration of the vehicle has not been suspended or cancelled and the vehicle carries a registration mark displayed in the prescribed manner :
Provided that nothing in this section shall apply to a motor vehicle in possession of a dealer subject to such conditions as may be prescribed by the Central Government."
25. Provisions of Section 43 (1) & (2) of The Motor Vehicles Act, 1988 run thus :-
"43. Temporary registration.- (1) Notwithstanding anything contained in Section 40 the owner of a motor vehicle may apply to any registering authority or other prescribed authority to have the vehicle temporarily registered in the prescribed manner and for the issue in the prescribed manner of a temporary certificate of registration and a temporary registration mark.
(2) A registration made under this Section shall be valid only for a period not exceeding one month, and shall not be renewable:
Provided that where a motor vehicle so registered is a chassis to which a body has not been attached and the same is detained in a workshop beyond the said period of one month for being fitted [with a body, or any unforeseen circumstances beyond the control of the // 19 // owner], the period may, on payment of such fees, if any, as may be prescribed, be extended by such further period or periods as the registering authority or other prescribed authority, as the case may be, may allow."
26. Narinder Singh vs. New India Assurance Company Ltd. and Others 2014 ACJ 2421 esa ekuuh; loksZPp U;k;ky; us ;g fu/kkZfjr fd;k gS fd%& "14. Indisputably, a temporary registration was granted in respect of vehicle in question, which had expired on 11.1.2006 and the alleged accident took place on 2.2.2006 when the vehicle was without registration. Nothing has been brought on record by the appellant to show that before or after 11.1.2006, when the period of temporary registration expired, the appellant owner of the vehicle either applied for permanent registration as contemplated under Section 39 of the Act or made any application for extension of period as temporary registration on the ground of some special reasons. In our view, therefore, using a vehicle on the public road without any registration is not only an offence punishable under Section 192 of the Motor Vehicles Act but also a fundamental breach of the terms and conditions of the policy contract."
15. In the aforesaid premises, we do not find any infirmity in the order passed by the State Commission and the National Commission."
27. Bhagwat vs. The United India Insurance Company Limited, IV (2014) CPJ 698 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "petitioner never applied before Regional Transport Officer for getting permanent registration of the vehicle and for failure to meet statutory requirement regarding registration of the vehicle, the complainant was not entitled to get claim even on non-standard basis."
// 20 //
28. Din Dayal vs. National Insurance Company Ltd. & Anr I (2013) CPJ 10 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "5. These arguments do not sound very convinced. Section 39 of the Motor Vehicles Act, 1988 lays down that the registration of the vehicle is mandatory requirement of law to drive the vehicle on any place or any other place. In support of his case, the State Commission has placed reliance upon the order of this Commission in the case of Kaushalendra Kumar Mishra v. Oriental Insurance Company Limited, I (2012) CPJ 559. Consequently, there was violation of Section 39 of the Motor Vehicles Act.
29. Niranjan Kumar Yadav vs. National Insurance Co. Ltd. II (2011) CPJ 64 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "4................ On the contention of the present revision petitioner that the registration was already applied for and was pending with the registering authority, the State Commission has made the following categorical observations :
"If permanent registration cannot be done for the delay of the office of the registering authority then it must have temporary registration. Legality is the essence of all agreement. If it is violative of law, any contract or agreement is bound to fail, may there be otherwise expressed provision in the terms and condition of the agreement or not. The appellant failed to show any temporary registration number He also failed to show any receipt of the application for registration to prove that he had applied for registration before the mishap."
5. In view of this observation of the State Commission, the claim of the Revision Petitioner/Complainant that the registration was pending before the Registering Authority, looses all creditability."
// 21 //
30. Saleena Rani vs. United India Insurance Co. Ltd. & Another (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "temporary registration was valid only for period of one month. The petitioner did not get vehicle registered with concerned authority in accordance with provisions of Motor Vehicles Act, 1988. Petitioner itself was at fault. After expiry of temporary registration she did not apply before concerned authority in accordance with provisions of Motor Vehicles Act, 1988."
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