State Consumer Disputes Redressal Commission
Semlal Prajapati vs Tata Aig General Insurance Co.Ltd. on 26 July, 2017
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2017/271 lafLFkr fnukad: 25-03-2017 lseyky iztkifr vk- Lo- HkkxjFkh iztkifr] mez&30 o"kZ fuoklh xzke&[kSjk] Fkkuk&nsojh] rglhy &MkS.Mhyksgkjk ftyk ckyksn ¼N-x-½ --------ifjoknh@vihykFkhZ-
fo:) VkVk ,-vkbZ-th- tujy ba';kjsal daiuh fyfeVsM }kjk czkap eSustj] dk;kZy; irk&403] pkSFkk eafty] Mh-ch-flVh] dkiksZjsV ikdZ] jtca/kk eSnku] jk;iqj] rglhy o ftyk jk;iqj ¼N-x-½ {ks=h; dk;kZy; irk& pkSgku bLVsV] lqisyk] fHkykbZ] rglhy o ftyk nqxZ ¼N-x-½ ------ mRrjoknh @vukosnd- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k A ekuuh; Jh Mh-ds-iksn~nkj] lnL; A ekuuh; Jh ujsanz xqIrk lnL; A i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh lat; MMlsuk vf/koDrkA mRrjoknh dh vksj ls Jh ds-,u-prqosZnh ,oa Jh ds-vkuankuh vf/koDrkA vkns'k fnukad% 26@07@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@ifjoknh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&2016@442 esa ikfjr vkns'k fnukad&01 ekpZ 2017 ftlds }kjk vihykFkhZ@ifjoknh ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k gS A // 2 // 02- ftyk Qksje ds le{k vihykFkhZ@ifjoknh dk ifjokn laf{kIr esa bl izdkj jgk gS fd vihykFkhZ@ifjoknh ds ikl okgu VkVk ,l- NksVh okgu Øekad&C.G.24-E-7930 dk okgu gS ftldk vihykFkhZ@ifjoknh iathd`r Lokeh gSA mDr okgu mRrjoknh@vukosnd ds dk;kZy; ls fnukad&16-07-2015 ls 15-07-2016 rd ds fy, ikWfylh Øekad&01554821 ds ek/;e ls iSdst ikWfylh ds rgr~ chfer FkkA mDr ikWfylh ds varxZr laiw.kZ fjLd dOgj tksf[ke okgu {kfrxzLr dh nsunkjh gsrq mRrjoknh@vukosnd ds }kjk chek vihykFkhZ@ifjoknh ls 22]587@&¼ckbZl gtkj ikap lkS lR;klh :i,½ izhfe;e ysdj fd;k x;k FkkA vihykFkhZ@ifjoknh dk mDr okgu fnukad&05-12-2015 dks nq?kZVukxzLr gks x;k Fkk ftldh lwpuk mRrjoknh@vukosnd ds dk;kZy; esa le; lhek ds vanj Vksy Qzh ds ek/;e ls fn;k x;k Fkk ftlesa vihykFkhZ@ifjoknh }kjk laiw.kZ fooj.k ?kVuk laca/kh crk;k x;k Fkk rFkk mRrjoknh@vukosnd }kjk Dyse QkeZ tkjh djrs gq, okgu lq/kkj gsrq funsZf'kr fd;k x;k rc vihykFkhZ@ifjoknh funsZ'kkuqlkj okgu dks lqiqnZukek esa U;k;ky; ls izkIr dj Vkspu ds ek/;e ls tk;dk vkWVkseksckbZy] VkVk bathfu;fjax odZ'kkWi] vatksjk] ftyk nqxZ esa lq/kkj gsrq yk;k x;k tgka ij mRrjoknh@vukosnd ds losZ;j dks lwpuk dj okgu dk {kfr ds laca/k esa vkadyu djrs gq, LVhesV fn;k x;k Fkk ftlds vuqlkj mRrjoknh@vukosnd ds funsZ'kkuqlkj okgu dk lq/kkj dk;Z fd;k x;k rFkk okgu lq/kkj dk;Z esa 44]590@&¼paokyhl gtkj ikap lkS uCcs :i,½ [kpZ vk;k ftls vihykFkhZ@ifjoknh }kjk tkW;dk vkWVkseksckbZy] // 3 // vatksjk esa tek dj jlhn ,oa okgu fnukad&15-12-2015 dks izkIr fd;k vkSj ewy fcy ,oa vU; nLrkost mRrjoknh@vukosnd ds dk;kZy; }kjk ekaxs x;s nLrkost le;≤ ij vihykFkhZ@ifjoknh }kjk fn;k x;k Fkk rFkk mRrjoknh@vukosnd }kjk vkt rd vihykFkhZ@ifjoknh dks mijksDr {kfrxzLr lq/kkj ds fcy okgu dk mijksDr ikWfylh ds rgr~ jkf'k iznku ugha fd;k x;k gS rFkk mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh ds mijksDr ikWfylh ds rgr~ jkf'k iznku ugha fd;k x;k gS rFkk mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh ds mijksDr nkok jkf'k dk Hkqxrku fcuk fdlh fof/kd dkj.k ds jksd fn;k x;k gS rFkk mRrjoknh@vukosnd dk mDr d`R; lsok esa deh dh Js.kh esa vkrk gSA vihykFkhZ@ifjoknh }kjk mDr okgu dk mi;ksx vius futh dk;Z gsrq fd;k tkrk gS rFkk mDr okgu NksVk okgu gS ftls pykus ds fy, vihykFkhZ@ifjoknh ds ikl oS/k ,oa izHkkoh yk;lsal Fkk ftls mRrjoknh@vukosnd ds ikl laiw.kZ nLrkost Hkjdj tek fd;k x;k Fkk rFkk mijksDr nq?kZVuk dh lwpuk Fkkuk&nsojh] ftyk ckyksn N-x- esa Hkh rRdky fn;k x;k Fkk tgka ij Fkkuk iqfyl }kjk vijk/k Øekad&277@2015] vijk/k vihykFkhZ@ifjoknh ds fo:) ntZ fd;k x;k Fkk rFkk okgu ds lkeus dk fgLlk okgu eksVj lk;dy ls Vdjk tkus ds dkj.k {kfrxzLr gks x;k Fkk rFkk chek ikWfylh ds 'krksZa dk dksbZ Hkax ugha gqvk gSA mRrjoknh@vukosnd }kjk fcuk fdlh mfpr dkj.k ds nkok jkf'k dk Hkqxrku ugha fd;k tk jgk gSA vihykFkhZ@ifjoknh }kjk vius vf/koDRkk ds ek/;e ls fnukad&18-04-2016 dks jftLVMZ uksfVl e;
// 4 // ikorh lfgr izsf"kr djok;k x;k ftlds mijkar Hkh mRrjoknh@vukosnd }kjk uksfVl dk tokc ugha fn;k x;k vkSj uk gh nkok jkf'k dk Hkqxrku fd;k x;k ftlds dkj.k vihykFkhZ@ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkos A 03 ftyk Qksje ds le{k vukosnd dh vksj ls tokc nkok bl izdkj jgk gS fd mRrjoknh@vukosnd chek daiuh }kjk lse yky iztkifr ds uke ls ikWfylh Øekad&01554821 tkjh fd;k x;k tks fnukad&16-07- 2015 ls 15-07-2015 rd dh vof/k ds fy, oS/k ,oa izHkkoh FkkA mDr ikWfylh VkVk ,l- NksVh okgu ftldk jftLVªs'ku uacj&lh-th-& 24&bZ&7930 gsrq tkjh fd;k x;k FkkA ikWfylh fu;e ,oa 'krksZa ds rgr~ tkjh fd;k x;k FkkA ikWfylh dh izeq[k 'krZ gS fd okgu dk pkyu oS/k ,oa izHkkoh okgu pkyd ds }kjk fd;k tkos rFkk okgu dk mi;ksx ikWfylh esa mYysf[kr mi;ksfxrk ds fy, fd;k tkos ,oa oS/k ijfeV ,oa fQVusl ds lkFk fd;k tkosA mDr okgu dkef'kZ;y okgu gSA vihykFkhZ@ifjoknh ds }kjk ?kVuk ds laca/k esa lwpuk fn;s tkus ij mRrjoknh@vukosnd chek daiuh }kjk rRdky losZ;j fu;qDr dj okgu dk losZ djk;k x;k vkSj losZ;j }kjk losZ fjiksVZ iznku fd;k x;k ftlds vuqlkj okgu esa 14]126@&¼pkSng gtkj ,d lkS NCchl :i,½ dh {kfr dk vkadyu fd;k x;kA mRrjoknh@vukosnd chek daiuh }kjk foLr`r tkap fd;k x;k ftlesa ;g ik;k x;k fd okgu dkef'kZ;y okgu gS rFkk // 5 // dkef'kZ;y okgu dk chek fd;k x;k gS ftl gsrq okgu pykus gsrq LTV DL vko';d gSA tkap esa ;g ik;k x;k fd okgu pkyd ds ikl ?kVuk ds le; ykbZV eksVj Oghdy pykus dk yk;lsal esa ykbZV VªkaliksVZ dk baMkslZesaV gksuk vko';d gS] ijarq okgu pkyd ds ikl flQZ ykbZV eksVj Oghdy pykus dk yk;lsal FkkA dkef'kZ;y okgu pykus dk baMkslZesaV ugha FkkA bl dkj.k okgu pkyd dk yk;lsal izHkkoh yk;lsal ugha Fkk vkSj izHkkoh yk;lsal ds vHkko esa okgu pyk;s tkus ds dkj.k chek 'krksZa dk Li"V ,oa izFke n`"V;k mYya?ku gksus ls vihykFkhZ@ifjoknh ds nkos dk uks Dyse fd;k x;k rFkk bldh lwpuk Hkh vihykFkhZ@ifjoknh dks iznku fd;k x;kA vihykFkhZ@ifjoknh] mRrjoknh@vukosnd chek daiuh ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gS vkSj u gh ekufld {kfr jkf'k ,oa 12% C;kt ikus dk vf/kdkjh gSA vr% vihykFkhZ@ifjoknh dk ifjokn lO;; fujLr fd;k tkos A 04 vihykFkhZ@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vafre izfrosnu fnukad&28-12-2015 dh Nk;kizfr ¼izn'kZ A-1 ½] izFke lwpuk izfrosnu fnukad&05-12-2015 dh Nk;kizfr ¼izn'kZ A-2½] izFke lwpuk izfrosnu fnukad&05-12-2015 dh Nk;kizfr ¼izn'kZ A-3½] vijk/k fooj.k fnukad&05-12-2015 dh Nk;kizfr ¼izn'kZ A-4½] laifRr tIrh i=d fnukad&06-12-2015 dh Nk;kizfr ¼izn'kZ A-5½] fxj¶rkjh i=d fnukad& 06-12-2015 dh Nk;kizfr ¼izn'kZ A-6½] uksfVl fnukad&06-12-2015 dh Nk;kizfr ¼izn'kZ A-7½] eqykfgtk okgu dk fnukad&06-12-2015 dh // 6 // Nk;kizfr ¼izn'kZ A-8½] vkns'k i=d fnukad&09-12-2015 dh Nk;kizfr ¼izn'kZ A-9½] Mªk;foax yk;lsal fnukad&09-12-2015 dh Nk;kizfr ¼izn'kZ A- 10½] vkj-lh-cqd fnukad&09-12-2015 dh Nk;kizfr ¼izn'kZ A-11½] chek i=d fnukad&09-12-2015 dh Nk;kizfr ¼izn'kZ A-12½] fcy fnukad&31-12- 2015 dh Nk;kizfr ¼izn'kZ A-13½] chek daiuh ysVj fnukad&15-01-2016 dh Nk;kizfr ¼izn'kZ A-14½] dksVs'ku fcy fnukad&15-12-2015 dh Nk;kizfr ¼izn'kZ A-15½] ysVj vkbZ-Mh- iwzQ fnukad&15-12-2015 dh Nk;kizfr ¼izn'kZ A-16½] Mkd jlhn fnukad&18-04-2016 dk vly ¼izn'kZ A-17½] vf/koDrk uksfVl fnukad&18-04-2016 dh Nk;kizfr ¼izn'kZ A-18½] usV dkih Mkd i= fnukad&21-05-2016 dk vly ¼izn'kZ A-19½ dh Nk;kizfr izLrqr fd;k gSA 05- mRrjoknh@vukosnd }kjk vius i{k leFkZu esa ftyk Qksje ds le{k ikWfylh dh Nk;kizfr ¼izn'kZ NA-1 ½] vkj-lh- dh Nk;kizfr ¼izn'kZ NA-2½] fQVusl dh Nk;kizfr ¼izn'kZ NA-3 ½] Mh-,y-dh Nk;kizfr ¼izn'kZ NA-4 ½] losZ fjiksVZ dh Nk;kizfr ¼izn'kZ NA-5 ½] uks Dyse ysVj dh Nk;kizfr ¼izn'kZ NA-6 ½] uksfVl ds tokc dh Nk;kizfr ¼izn'kZ NA-7 ½ izLrqr fd;k gSA 06- mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ vihykFkhZ@ifjoknh ds ifjokn dks fujLr fd;k x;k gS] ftlds fo:} ;g vihy gSA // 7 // 07- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lat; MMlsuk dk rdZ gS fd vihykFkhZ@ifjoknh VkVk ,l- NksVh okgu dzekad&lh-th- 24 bZ@7930 dk iathd`r Lokeh gS vkSj mDr okgu mRrjoknh@vukosnd ds ikl fnukad&16-07-2015 ls ysdj 15-07- 2016 rd dh vof/k ds fy, chfer Fkk ftldk izhfe;e Hkh vihykFkhZ@ifjoknh }kjk 22]587@&¼ckbZl gtkj ikap lkS lrklh :Ik;s½ tek fd;k FkkA fnukad&05-12-2015 dks okgu nq?kZVukxzLr gks x;k ftldh lwpuk mRrjoknh@vukosnd dk;kZy; dks rRdky Vksy Qzh uacj ds ek/;e ls fn;k x;k FkkA mRrjoknh@vukosnd }kjk okgu dks lq/kjokus gsrq funsZf'kr fd;k x;k rc okgu dks U;k;ky; ls lqiqnZukek esa izkIr dj mls Vkspu dj tk;dk vkWVks eksckbZYl esa yk;k x;k vkSj tgka lq/kkj djok;k x;k ftlesa 44]590@&¼paokyhl gtkj ikap lkS uCcs :Ik;s½ O;; gqvk FkkA vihykFkhZ@ifjoknh }kjk nkok fcy ds lkFk mRrjoknh@vukosnd ds le{k izLrqr fd;k Fkk ijUrq mRrjoknh@vukosnd }kjk bl vk/kkj ij nkos dks fujLr dj fn;k x;k fd pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk vkSj ftyk Qksje us vihykFkhZ@ifjoknh ds ifjokn dks mDr vk/kkj ij fujLr fd;k gSA ftyk Qksje dk vkns'k =qfViw.kZ gSA vihykFkhZ@ifjoknh ds ikl nq?kZVuk fnukad dks oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk vkSj ,slh fLFkfr esa vihykFkhZ@ifjoknh] ifjokn&i= esa of.kZr vuqlkj vuqrks"k izkIr djus dk vf/kdkjh gSA vr% vihykFkhZ@ifjoknh dh vihy Lohdkj fd;k tkosA ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkos vkSj // 8 // vihykFkhZ@ifjoknh dks ifjokn&i= es of.kZr vuqlkj vuqrks"k iznku dh tkosA 08- mRrjoknh@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ds- ,u- prqosZnh ,oa Jh ds- vkuankuh dk rdZ gS fd vihykFkhZ@ifjoknh us xqM~l dSfjt Oghdy ds fy, chek izkIr fd;k FkkA vihykFkhZ@ifjoknh dk okgu xqM~l dSfjt Oghdy Fkk tcfd pkyd ds ikl dsoy LMV (Lights Motor Vehicle) dk gh MªkbZfoax ykbZlsal Fkk vkSj mlds MªkbZfoax ykbZlsal esa ;g i`"Bkadu ugha Fkk fd og xqM~l dSfjt Oghdy pykus ds fy, l{ke Fkk blfy, mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh ds nkos dks fujLr dj fdlh izdkj ls lsok esa deh ugha fd;k x;k gS vkSj 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% vihykFkhZ@ifjoknh dh vihy fujLr fd;k tkos rFkk ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 09- 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 10- ;g Lohd`r gS fd vihykFkhZ@ifjoknh okgu dzekad&lh-th- 24 bZ@7930 dk iathd`r Lokeh gS vkSj mDr okgu fnukad&16-07-2015 ls fnukad&15-07-2016 rd dh vof/k ds fy, mRrjoknh@vukosnd ds ikl // 9 // chfer FkkA vihykFkhZ@ifjoknh dh vksj ls QkbZuy fjiksVZ ¼,usD'pj ,&1½] izFke lwpuk izfrosnu ¼,usD'pj ,&2½] ekSdk uD'kk ¼,usD'pj ,&4½] lEifRr tIrh i=d ¼,usD'pj ,&5½] fxj¶rkjh@U;k;ky; leiZ.k i=d ¼,usD'pj ,&6½ ,oa okgu eqykfgtk ¼,usD'pj ,&8½ izLrqr fd;k gSA bu nLrkostksa ds ifj'khyu ls Li"V gS fd vihykFkhZ@ifjoknh dk mDr okgu fnukad&05-12-2015 dks nq?kZVukxzLr gqvk FkkA 11- mRrjoknh@vukosnd dh vksj ls ;g fookfnr ugha fd;k x;k gS fd vihykFkhZ@ifjoknh }kjk nq?kZVuk dh lwpuk mls ugha fn;k x;k gSA mRrjoknh@vukosnd }kjk dsoy vihykFkhZ@ifjoknh ds nkos dks bl vk/kkj ij fujLr fd;k x;k gS fd nq?kZVuk fnukad dks okgu pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA 12- vihykFkhZ@ifjoknh dh vksj ls MªkbZfoax ykbZlsal ¼,usD'pj ,&10½ dh izfr izzLrqr fd;k x;k gS ftlds vuqlkj MªkbZfoax ykbZlsal uacj&lh- th- 07 20100022484 gS vkSj tks fd LMV, MCWG ds fy, tkjh fd;k x;k gSA mRrjoknh@vukosnd }kjk tks eksVj ¼QkbZuy½ losZ fjiksVZ ¼,usD'pj&5½ izLrqr fd;k x;k gS mlesa Hkh MªkbZfoax ykbZlsal ds laca/k esa lR;kiu fd;s tkus ij ;g ik;k x;k gS fd L.G.V. (Lights Goods Vehicle) ds fy, MªkbZfoax ykbZlsal ugha Fkk] vfirq L.M.V. (Lights Motor Vehicle) ds fy, MªkbZfoax ykbZlsal FkkA // 10 // 13- /kkjk&2 ¼14½ esa eky okgu dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj%& ¼14½ **eky okgu** ls ,slk dksbZ eksVj ;ku vfHkizsr gS tks dsoy eky <ksus ds fy, fufeZr ;k vuqdwfyr gS ;k ,slk dksbZ eksVj ;ku Hkh] tks ,sls fufeZr ;k vuqdwfyr ugha gS] ml n'kk esa vfHkizsr gS tcfd mldk mi;ksx eky <ksus esa fd;k tkrk gSA rFkk /kkjk&2 ¼21½ esa gYdk eksVj ;ku dks ifjHkkf"kr djrs gq, crk;k x;k gS fd%& ¼21½ **gYdk eksVj ;ku** ls vfHkizsr gS ,slk dksbZ ifjogu ;ku ;k cl ftlesa ls fdlh dk ldy ;ku Hkkj] ,slh eksVj dkj ;k VªSDVj ; jksM&jksyj ftlesa ls fdlh dk ynku jfgr Hkkj] 7]500 fdyksxzke ls vf/kd ugha gSA vkSj e/;e eky ;ku ds laaca/k esa /kkjk&2 ¼23½ esa crk;k x;k gS fd%& ¼23½ **e/;e eky ;ku** ls gYds eksVj ;ku ;k Hkkjh eky ;ku ls fHkUu dksbZ eky okgu vfHkizsr gSA 14- chek ikWfylh ,oa lfVZfQdsV vkWQ jftLVªs'ku ds vuqlkj okgu VkVk lqij ,lhbZ Vªd mYysf[kr gS tks fd xqM~l dSfjax Oghdy gS rFkk lfVZfQdsV vkWQ jftLVªs'ku esa okgu LGV ¼Light Goods Vehicle½ vafdr // 11 // fd;k x;k gS] tcfd pkyd lse yky iztkifr ds MªkbZfoax ykbZlsal esa dsoy LMV, MCWG mYysf[kr gSA 15- Reliance General Insurance Co. Ltd. Vs. Jivabhai Maldebhai Godhaniya III (2017) CPJ 1 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "15. ...........it is abundantly clear that the vehicle in question was a commercial vehicle, but the person who was driving the vehicle at the time of the accient, did not have a valid an effective licence to drive the same. Considering the distinct requirments laid down in The Motor vehicles Act, 1988 and The Central Motor Vehicles Rules, 1989 about the grant of licence for commercial vehicles, it is clear that the holder of the LMV licence had no authority to drive the commercial vehicle without proper endorsement from the concerned transport authority." 16- ICICI Lombared General Insurance Co. Ltd. Vs. Mainuddin, I (2015) CPJ 328 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. Learned counsel for the petitioner has drawn my attention to Sri Annappa Irappa Nesaria case (Supra) in which it was observed that light motor vehicle continued at the relevant point of time to cover both light passenger carriage vehicle and light goods carriage vehicle and driver who had a valid driving licence to drive light motor vehicle was authorized to drive light goods vehicle. This case pertains to accident on 09.12.1999, whereas in the case in hand, vehicle met with an accident on 31.10.2006 and by that time, necessary amendments in // 12 // Motor Vehicle Act had already been incorporated. Hon'ble Apex Court in III (2009) SLT 586=II (2009) ACC 313 (SC)=C.A. No. 1102 of 2009- Oriental Ins. Co. Ltd. V. Angad Kol & Ors., referred Sri Annappa Irappa Nesaria case and observed that from 28.03.2001, amendment has been carried out in Motor Vehicle Act and there is distinction between light motor vehicle and a transport vehicle and ultimately held that respondent was not holding valid and effective driving licence for driving goods vehicle which amounted to breach of conditions of the insurance policy as in the aforesaid case driver of the vehicle was holding licence to drive light motor vehicle . In the case in hand also driver of the vehicle was holding licence to drive LMV non- transport and as at the time of accident he was driving goods vehicle, licence held by him was not valid driving licence for driving goods vehicle. To drive a transport vehicle licence is issued for 3 years, whereas for driving light motor vehicle, licence is issued for 20 years. Licence issued to driver Gulappa Hadpad which was valid from 20.09.2004 to 19.09.2024, but he was not permitted to drive Transport Vehicle. Hon'ble Apex Court in IV (2008) ACC 759 (SC)=C.A. No. 3496 of 2008- New India Assurance Co. Ltd. v. Roshanben Rahemansha Fakir & Anr., also referred Sri Annappa Irappa Nesaria case and observed that light motor vehicle would not include light transport vehicle and on that basis, order allowing claim against Insurance Company was set aside."
17- M/s. MRH Associates Through its Partner, Mr. Harsh Kumar Handa Vs. National Insurance Co. Ltd., Through its Branch Manager // 13 // & Anr., 2015 (1) CPR 137 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "If driver of vehicle is not holding a valid and effective licence for driving vehicle in question, it shall be a serious violation of statutory requirement under Motor Vehicles Act as also conditions of insurance policy which would vitiate contract of insurance and as such insurance company would be entitled to repudiate claim." 18- New India Assurance Co. Ltd. Vs. Musharaf Alam II (2012) CPJ 55 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "10. .....................................the driver of the Respondent did not have a valid licence at the time of accident and this is clearly a violation of the terms and conditions of the insurance policy as also Section 15 of the Motor Vehicles Act. These are sufficient grounds on which the claim can justifiably be repudiated." 19- bl izdkj Li"V gS fd vihykFkhZ@ifjoknh dk okgu LGV ¼Light Goods Vehicle½ ds :Ik esa iathc} gqvk Fkk vkSj mlh :Ik esa mldk chek djk;k x;k Fkk tcfd vihykFkhZ@ifjoknh lse yky iztkifr ds ikl dsoy LMV, MCWG pykus ds fy, MªkbZfoax ykbZlsal Fkk vkSj mlesa Hkh dksbZ i`"Bkadu ugha FkkA bl izdkj Li"V gS fd nq?kZVuk fnukad dks pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA ,slh fLFkfr esa vihykFkhZ@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS vkSj vihykFkhZ@ifjoknh fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gSA // 14 // 20- mijksDr foospuk ds ifjizs{; esa ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gSA mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS vkSj uk gh fdlh izdkj ds gLr{ksi dh vko';drk gSA 21- vr% ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&01 ekpZ 2017 dh iqf"V djrs gq, vihykFkhZ@ifjoknh dh vihy lkjghu gkssus ls fujLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼ Mh-ds-iksn~nkj ½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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