State Consumer Disputes Redressal Commission
National Insurance Co.Ltd. vs Kishor Parmar on 8 September, 2017
NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2017/394 lafLFkr fnukad: 31.05.2017 us'kuy ba';ksjsal daiuh fyfeVsM] }kjk&'kk[kk izca/kd] 'kk[kk dk;kZy;&dkeBh ykbZu] iksLV&jktukanxkao] rglhy o ftyk&jktukanxkao ¼N-x-½ }kjk&e.My izca/kd] e.My dk;kZy;] eksfcu egy] th- bZ- jksM] iksLV o ftyk&jk;iqj ¼N-x-½ --------------vihykFkhZ@vukosnd-
fo:) fd'kksj ijekj firk Jh ukjk;.k HkkbZ ijekj] mez&53 o"kZ] fuoklh&okMZ ua-&7] dkYdkikjk] Mksaxjx<+] rglhy o ftyk&jktukanxkao ¼N-x-½ -------------mRrjoknh@ifjoknh- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k-
ekuuh; Jh Mh- ds- iksn~nkj] lnL;-
ekuuh; Jh ujsanz xqIrk] lnL;-
i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ih- ds- ikWy] vf/koDrkA mRrjoknh dh vksj ls Jh eathr flag HkkfV;k] vf/koDrkA vkns'k fnukad% 08@09@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jktukanxkao ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&23@2016 fd'kksj ijekj fo:} 'kk[kk izca/kd] us'kuy ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k fnukad&29@03@2017 ftlds }kjk mRrjoknh@ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& // 2 // **1- vkns'k fnukad ls ,d ekg ds Hkhrj vukosnd chek daiuh] ifjoknh dks {kfriwfrZ jkf'k&4]49]980@&¼pkj yk[k mupkl gtkj ukS lkS vLlh :Ik;s½ ,oa mDr jkf'k ij ifjokn izLrqfr fnukad&05-02-2016 ls Hkqxrku frfFk rd 06 izfr'kr okf"kZd dh njls C;kt lfgr Hkqxrku djsxkA 2- vkns'k fnukad ls ,d ekg ds Hkhrj vukosnd chek daiuh] ifjoknh dks ekufld {kfriwfrZ ds en esa 10]000@&¼nl gtkj :Ik;s½ rFkk oknO;; ds :Ik esa 2]000@&¼nks gtkj :Ik;s½ dk Hkqxrku djsxkA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl++ izdkj jgk gS fd mRrjoknh@ifjoknh us ,d okgu egsUnzk ,.M egsUnzk cksysjks dz-&lh-th- 08ds@1385 pksyke.Mye buosLVesaV ,.M Qk;usal daiuh] 'kk[kk jktukanxkao ls Qk;usal djok dj dz; fd;k Fkk ftldk mi;ksx mRrjoknh@ifjoknh }kjk Lo;a vius ,oa ifjokj ds futh mi;ksx gsrq fd;k tkrk jgk gSA mDr okgu dk chek vihykFkhZ@vukosnd ls fnukad&09-10-2013 ls 08-10-2014 rd dh vof/k gsrq 4]99]975@&¼pkj yk[k fuU;kucs gtkj ukS lkS ipgRrj :Ik;s½ gsrq djok;k Fkk ftldk ikWfylh ua-&285202@31@13@6100006679 gSA mDr okgu dk pkyd ihVj Fkk tks mRrjoknh@ifjoknh o mlds ifjokj dks okgu ls dgha vkus&tkus dh fLFkfr esa mDr okgu dks okgu pkyd ihVj }kjk pyk;k tkrk FkkA fnukad&03-10-2014 dks okgu pkyd ihVj // 3 // }kjk n'kgjk gksus ds dkj.k okgu dks /kksus ds fy, ,oa vius ifjokj dks n'kgjk fn[kkus ds fy, okgu vius ?kj ys tk;k x;k Fkk ,oa fnukad&05- 10-2014 dks jkr esa mDr okgu dks vius ?kj ds ikl iw.kZ lqj{kk esa lqjf{kr LFkku esa okgu dks ykWd dj j[kk x;k FkkA nwljs fnu lqcg yxHkx 6%00 cts okgu pkyd ihVj }kjk ns[kus ij Kkr gqvk fd okgu ogka ij ugha Fkk] mls jkf= esa dksbZ vKkr pksj pksjh dj ys x;k FkkA okgu ds ewy nLrkost Hkh okgu esa j[ks x, FksA chek vof/k esa okgu pksjh gks tkus ds dkj.k mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd ds le{k fnukad&07-10-2014 dks eksVj nkok izi= izLrqr fd;k x;k ftl ij dk;Zokgh djrs gq, vihykFkhZ@vukosnd }kjk losZ;j fu;qDr fd;k x;kA okgu ds pksjh gks tkus ds laca/k esa iqfyl Fkkuk Mksaxjx<+ }kjk Hkkjrh; n.M lafgrk dh /kkjk&379 ds rgr vKkr pksj ds fo:} vijk/k dz-& 366@2014 ntZ dj foospuk esa fy;k x;kA vihykFkhZ@vukosnd }kjk le;≤ ij ftu&ftu nLrkostksa ,oa tkudkjh dh ekax dh xbZ mUgsa mRrjoknh@ifjoknh }kjk iznku dh xbZ ,oa okgu pkyd ihVj dk c;ku Hkh fy;k x;k rFkk mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd ds leLr funsZ'kksa dk ikyu fd;k x;k fdUrq mlds ckn Hkh vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks chek nkok jkf'k dk Hkqxrku ugha fd;k x;k vkSj fnukad&15-04-2015 dks mRrjoknh@ifjoknh dks i= izsf"kr dj mRrjoknh@ifjoknh dk nkok feF;k vk/kkj ij fujLr djus dh lwpuk nh xbZ fd ?kVuk fnukad dks okgu dk mi;ksx chek 'krksZ ds foijhr fdjk, ij fd;k tk jgk FkkA mRrjoknh@ifjoknh }kjk mDr okgu ds pksjh gksus ds laca/k esa iqfyl Fkkuk Mksaxjx<+ ,oa // 4 // vihykFkhZ@vukosnd dks vfoyac lwpuk nh xbZ Fkh vkSj okgu dks fdlh izdkj ls vlqjf{kr :Ik ls ugha j[kk x;k Fkk vkSj uk gh mRrjoknh@ifjoknh }kjk mDr okgu futh iz;ksx ls fHkUu mi;ksx fd;k tk jgk Fkk fdUr fQj Hkh vihykFkhZ@vukosnd }kjk chek fofu;ked ,oa fodkl izkf/kdj.k }kjk le;≤ ij fn, x, funsZ'kksa dh vogsyuk djrs gq, nkok dk Hkqxrku uk dj lsok esa deh fd;k gSA mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd dks vius vf/koDrk ds ek/;e ls uksfVl izsf"kr fd;k x;kA mlds ckn Hkh nkok jkf'k dk Hkqxrku ugha fd;k x;k ftlds dkj.k mRrjoknh@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 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd okgu efgUnzk ,.M efgUnzk cksysjks dz-&lh-th- 08 ds@1385 dk chek vihykFkhZ@vukosnd }kjk chek ikWfylh dz-&285202@31@13@6100006679 ds ek/;e ls fnukad&09-10-2013 ls fnukad&08-10-2014 rd dh e/; jkf= ds fy, chek ikWfylh dh fu;e ,oa 'krksZa ds varxZr izkbosV okgu ds :Ik esa fd;k x;k FkkA mRrjoknh@ifjoknh ds nkos dks vihykFkhZ@vukosnd chek daiuh }kjk chek ikWfylh dh 'krZ ds varxZr chfer okgu dk futh mi;ksx uk dj fdjk;s ls ;k=h ifjogu gsrq fd, tkus ds dkj.k fujLr fd;k x;k gS vkSj mlh lwpuk fnukad&15-04-2015 ds i= }kjk mRrjoknh@ifjoknh dks nh xbZ gSA vihykFkhZ@vukosnd chek daiuh ds // 5 // }kjk vUos"kd d`".k dqekj th- vkj- ds ek/;e ls mRrjoknh@ifjoknh ds okgu pksjh pys tkus ds laca/k esa vUos"k.k djok;k Fkk vkSj vUos"k.k esa ?kVuk ls lacaf/kr izFke lwpuk izfrosnu bR;kfn nLrkost izkIr fd, x, Fks ftlesa okgu ds pksjh pys tkus ds mijkar fnukad&05-10-2014 dks okgu ds pkyd ihVj frXxk ds }kjk ntZ djok;s x;s izFke lwpuk izfrosnu ds fooj.k esa Li"V :Ik ls mYys[k gS fd eSa jtkuxj] Fkkuk Mksaxjx<+ ds ihNs jgrk gWaw] Mªk;ojh djrk gWw] orZeku easa Mksaxjx<+ dkydkikjk fuoklh fd'kksj ijekj ds ckysjks okgu uacj&lh-th- 08 ds@1385 dk fnukad&17-08-2014 ls pyk jgk Fkk] cksysjks okgu vDlj cqfdax esa tkrh gS vr% cqfdax ls okil vkus ij cksysjks dks vius ?kj ds lkeus [kM+h djrk Fkk] dy fnukad&04-10-2014 dks cqfdax esa xkM+h ysdj jktukanxkao x;k FkkA bl izdkj Li"V gS fd mRrjoknh@ifjoknh okgu dk mi;ksx fdjk;s ls ;k=h ifjogu gsrq okf.kfT;d iz;kstu gsr fd;k tkrk jgk gS tks fd chek 'krksZa dk mYya?ku gksus ds dkj.k vihykFkhZ@vukosnd fdlh Hkh izdkj dh {kfriwfrZ ds fy, nkf;Rok/khu ugha gSA mRrjoknh@ifjoknh dh vksj ls vius okgu dks leqfpr lqj{kk O;oLFkk ds vHkko esa j[ks tkus ds dkj.k gqbZ ?kVuk ds fy, Lo;a mRrjoknh@ifjoknh mRrjnk;h gSA vihykFkhZ@vukosnd fdlh Hkh izdkj dh {kfriwfrZ ds fy, nkf;Rok/khu ugha gSA vihykFkhZ@vukosnd }kjk lsok esa dksbZ deh ugha dh xbZ gSA mRrjoknh@ifjoknh dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% mRrjoknh@ifjoknh dk ifjokn lO;; fujLr fd;k tkosA // 6 // 04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k lfVZfQdsV vkWQ jftLVªs'ku dh Nk;kizfr ¼nLrkost dz-1½] lfVZfQdsV vkWQ ba';ksjsal dh Nk;kizfr ¼nLrkost dz-2½] lhfu;j fMfotuy eSustj@czkap eSustj }kjk lhfu;j fMfotuy eSustj@czkap eSustj dks izsf"kr i= fnukad&07-10-2014 ,oa eksVj Dyse QkeZ dh Nk;kizfr ¼nLrkost dz-3½] mRrjoknh@ifjoknh }kjk {ks=h; ifjogu vf/kdkjh dks izsf"kr i= fnukad&08-10-2016 dh Nk;kizfr ¼nLrkost dz-4½] vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&15- 04-2015 dh Nk;kizfr ¼nLrkost dz-5½] vf/koDrk uksfVl fnukad&26-05- 2015 dh Nk;kizfr ¼nLrkost dz-6½] iksLVy jlhn fnukad&26-05-2015 dk vly ¼nLrkost dz-7½] izkfIr Lohd`fr jlhn dk vly ¼nLkrost dz-&8½] vf/koDrk uksfVl fnukad&14-08-2015 dh Nk;kizfr ¼nLrkost dz-9½] iksLVy jlhn fnukad&14-08-2015 dk vly ¼nLrkost dz-&10½] izkfIr Lohd`fr jlhn dk vly ¼nLrkost dz-11½] pksyke.Mye buosLVesaV ,.M Qk;usal daiuh fyfeVsM }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&01 uoacj 2016 ,oa QkeZ&35 dh Nk;kizfr ¼nLrkost dz-12½ izLrqr fd;k gSA 05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k izFke lwpuk izfrosnu dh Nk;kizfr ,oa lfVZfQdsV vkWQ ba';ksjsal dh Nk;kizfr izLrqr fd;k gSA 06- mHk;i{k }kjk izLrqr vfHkopu ,oa mRrjoknh@ifjoknh }kjk izLrqr nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs // 7 // gq, mRrjoknh@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 07- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd mRrjoknh@ifjoknh us izkbosV dkj iSdst ikWfylh izkIr fd;k Fkk tcfd okgu dks O;kolkf;d Ikz;kstu ds fy, mi;ksx esa yk;k tk jgk Fkk rFkk mRrjoknh@ifjoknh us okgu dk chfer ewY; izFke lwpuk i= esa 2]00]000@&¼nks yk[k :Ik;s½ ?kksf"kr fd;k Fkk] mlds ckn Hkh ftyk Qksje }kjk 4]49]980@&¼pkj yk[k mupkl gtkj ukS lkS vLlh :Ik;s½ iznku fd;k gS] chfer ewY; ds gzkl jkf'k dk mYys[k ugha fd;k gSA pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA mRrjoknh@ifjoknh us okgu dks vlqjf{kr voLFkk esa NksM+k Fkk tks fd chek 'krksZa dk mYya?ku gS] ijUrq ftyk Qksje us bu lc rF;ksa dks /;ku esa ugha fn;k gS vkSj =qfViw.kZ vkns'k ikfjr fd;k gSA vr% vihykFkhZ@vukosnd dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr djrs gq, ifjokn fujLr fd;k tkosA vihykFkhZ@vukosnd us vius rdZ ds leFkZu esa National Insurance Co. Ltd. Vs. Meena Aggarwal 2009 ACJ 66 (SC), Rajesh Kumar Vs. National Insurance Company Ltd. & Ors. III (2017) CPJ 214 (NC), T. N. Das Vs. Oriental Insurance Co. Ltd. & Ors. IV (2012) CPJ 438 (NC), Regional Manager, Oriental Insurance Co. Ltd. & Another Vs. Pramod Kumar Nahak 2013 (1) C.G.L.J. 1 (CCC), Kulwant Singh Vs. United India Insurance co. Ltd. IV (2014) CPJ 350 (NC), New India Assurance Company Ltd. Vs. Trilochan Jane IV (2012) CPJ 441 (NC), Prabhat // 8 // Khanna (Deceased) Thr. Lrs. Vs. New India Assurance Co. Ltd. 2017 (1) CPR 480 (NC), Hind Auto Center Vs. National Insurance Co. Ltd. IV (2014) CPJ 356 (NC), Reliance General Insurance Co. Ltd. Vs. Arun Kumar Singh and Anr. 2017 (1) CPR 197 (NC) rFkk bl vk;ksx ds Appeal No. FA/2016/411 Smt. K. Savitri Vs. United India Insurance Company Limited, Order dated 29.11.2016, Appeal No. FA/2016/777 Donald Kulbhushan Bara Vs. Branch Manager Claim Department, National Insurance Company Limited, Order Dated-26.04.2017 and Appeal No. FA/2015/614 Vijay Chitpitwar Vs. Iffco Tokio General Insurance Company Limited, Order Dated-28.04.2016 dk voyacu fy;k gSA 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh eathr flag HkkfV;k dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr gSA mRrjoknh@ifjoknh }kjk fdlh izdkj ls okgu dk mi;ksx fdjk, ij ugha fd;k x;k gS vkSj uk gh O;kolkf;d iz;kstu ds fy, fd;k x;k gSA pkyd }kjk 'kiFk&i= izLrqr dj mDr dFku dk [k.Mu fd;k x;k gSA vihykFkhZ@vukosnd us vius fyf[kr dFku ,oa jsiqfM,'ku ysVj esa okgu dks vlqjf{kr NksM+us ,oa MªkbZfoax ykbZlsal laca/kh dksbZ vk/kkj ugha fy;k gS vkSj tks vk/kkj fyf[kr dFku ,oa jsiqfM,'ku ysVj esa ugha gS] og vk/kkj vihy esa ugha fy;k tk ldrk gS vkSj vihykFkhZ@vukosnd }kjk dsoy okgu fdjk, ij pyus ds laca/k esa mYys[k fd;k x;k gS ftls vihykFkhZ@vukosnd lkfcr ugha dj ldk gSA vr% ftyk Qksje }kjk ikfjr vkyksP; vkns'k iw.kZr% mfpr ,oa fof/k // 9 // lEer ikfjr vkns'k gS vkSj mlesa gLr{ksi dh vko';drk ugha gSA vr% ftyk Qksje ds vkns'k dh iqf"V djrs gq, vihykFkhZ@vukosnd dh vihy fujLr fd;k tkosA mRrjoknh@ifjoknh us vius rdZ ds leFkZu esa National Insurance Co. Ltd. Vs. Nitin Khandelwal IV (2008) CPJ 1 (SC), Revision Petition No. 170 of 2012 Iffco Tokio General Insurance Co. Ltd. Vs. Ram Gopal Soni & Ors. Decided By Hon'ble National Commission Vide Order Dated 31 May 2012, First Appeal No. 298/2016 Raj Kumari Vs. National Insurance Company Ltd. Through its Divisional Manager, Decided by H.P. State Consumer Disputes Redreaal Commission Shimla, Vide Order Dated-03.07.2017 rFkk bl vk;ksx ds Appeal No. FA/13/141 Arvind Gupta Vs. The Oriental Insurance Company Ltd., Order Dated-04.02.2014 dk voyacu fy;k gSA 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- vihykFkhZ@vukosnd dh vksj ls vius rdZ ds nkSjku ;g vk{ksi fd;k x;k gS fd okgu dks mRrjoknh@ifjoknh }kjk vlqjf{kr :Ik ls NksM+ fn;k x;k Fkk rFkk pkyd ds ikl MªkbZfoax ykbZlsal ugha Fkk tks fd chek 'krkZsa dk mYya?ku gSA vihykFkhZ@vukosnd vf/koDrk dk mDr rdZ Lohdkj fd;s tkus ;ksX; ugha gSA vihykFkhZ@vukosnd us vius fyf[kr dFku esa mDr nksuksa vk/kkjksa ds laca/k esa dksbZ vfHkopu ugha fd;k gS rFkk tks jsiqfM,'ku ysVj gS] ml jsiqfM,'ku ysVj esa Hkh dsoy ;g vk/kkj fy;k // 10 // x;k gS fd okgu fdjk, ij pyk;k tk jgk Fkk tks fd chek 'krksZa dk mYya?ku gS] ijUrq jsiqfM,'ku ysVj esa okgu dks vlqjf{kr NksM+ fn;k x;k Fkk vkSj pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk] bl laca/k esa dksbZ mYys[k ugha gSA ,slh fLFkfr esa vihyh; voLFkk esa vihykFkhZ@vukosnd dks tks vk/kkj mlds }kjk jsiqfM,'ku ysVj esa ugha fy;k x;k gS] vihy easa fy;s tkus dh vuqefr iznku ugha fd;k tk ldrk vkSj QyLo:Ik vihykFkhZ@vukosnd dk mDr dFku fd okgu dks vlqjf{kr NksM+ fn;k x;k Fkk vkSj MªkbZoj ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk] Lohdkj fd;s tkus ;ksX; ugha gSA 11- vihykFkhZ@vukosnd dh vksj ls nkok fujLrh dk tks vk/kkj fy;k x;k gS mlesa Li"V :Ik ls ;g mYysf[kr gS fd okgu fdjk, ij py jgk Fkk vkSj ftldk mYys[k izFke lwpuk&i= esa Hkh gSA mRrjoknh@ifjoknh dh vksj ls mDr rF;ksa dk [k.Mu djrs gq, crk;k x;k gS fd okgu fdjk, ij ugha py jgk Fkk vfirq MªkbZoj xkM+h dks /kksus ,oa vius ifjokj dks n'kgjk fn[kkus ds fy, ys x;k Fkk ftlds laca/k esa MªkbZoj ihVj frjxk us 'kiFk&i= Hkh izLrqr fd;k gS vkSj 'kiFk&i= dh dafMdk&3 esa mlus crk;k gS fd okgu dks /kksus ds fy, ,oa ifjokj dks n'kgjk fn[kkus ds fy, vius ?kj ys x;k Fkk vkSj ykWd dj j[kk Fkk rFkk dafMdk&6 esa crk;k gS fd okgu cqfdax fd;s tkus ds laca/k esa dksbZ dFku ugha fd;k Fkk] ijUrq mRrjoknh@ifjoknh us tks eksVj nkok izi= izLrqr fd;k gS] mlesa mYysf[kr gS fd **fnukad&05-10-2014 ds jkr esa MªkbZoj ihVj vius ?kj ds lkeus xkM+h [kM+h fd;kA lqcg tc ikSus N% cts ?kj ds ckgj ns[kk // 11 // rks xkM+h ?kj ds ikl ls xk;c gks pqdh FkhA xkM+h dh pkch MªkbZoj ds ikl FkhA mlds Ik'pkr~ xkM+h pksjh dh lwpuk iqfyl Fkkus esa ntZ dh xbZA** bl izdkj mRrjoknh@ifjoknh us MªkbZoj ihVj ds }kjk fjiksVZ ntZ djkus ds rF; dks Lohdkj fd;k gSA vihykFkhZ@vukosnd dh vksj ls izFke lwpuk i= dh izfr izLrqr fd;k x;k gSA izFke lwpuk&i= ds ifj'khyu ls Li"V gS fd izFke lwpuk&i= MªkbZoj ihVj frjxk }kjk fnukad&05-10-2014 dks 8%00 cts Fkkuk Mksaxjx<+ esa ntZ djk;k x;k gS tgka vijk/k dzekad&366@2014 /kkjk&379 Hkk- n- la- iathc} fd;k x;k Fkk vkSj izFke lwpuk&i= esa ;g Li"V :Ik ls mYysf[kr gS fd **eSa jtkuxj] Fkkuk Mksaxjx<+ ds ihNs jgrk gwaWA Mªk;ojh djrk gWawA orZeku esa Mksaxjx<+] dkydkikjk fuoklh fd'kksj ijekj dh cksysjks okgu uEcj lh- th-08ds@1385 dks fnukad&17-08-2014 ls pyk jgk FkkA cksysjks okgu vDlj cqfdax esa tkrh gSA vr% cqfdax ls okil vkus ij cksysjks dks vius ?kj ds lkeus [kM+h djrk FkkA dy fnukad&04-10-2014 dks cqfdax esa xkM+h ysdj jktukanxkao x;k Fkk] ogka ls 'kke pkj cts okil vkdj xkM+h ysdj n'kgjk ns[kus pyk x;kA n'kgjk ns[kdj 'kke 7%00 cts ?kj okil vkdj okgu cksysjks dks ?kj ds lkeus ykWd djds [kM+h dj fn;kA jkf= djhc nks cts ckFk:e ds fy;s mBk rc xkM+h vius LFkku ij lqjf{kr [kM+h FkhA ckFk:e djds iqu% ?kj vanj tkdj lks x;kA izkr% 5%00 cts lksdj mBk rks ns[kk fd xkM+h cksysjks ftldk uEcj lh-th-
08ds@1385 batu ua-&GHB4J78122 psfpl ua-&
MA1WG2GHKB5J96008 lQsn dyj dh ?kj ds lkeus ugha Fkh** vkSj
bl izFke lwpuk i= ij ihVj ds gLrk{kj gSaA
// 12 //
12- National Insurance Company Limited Vs. Savitri Devi and Others,
(2013) 11 SCC 554, esa ekuuh; loksZP; U;k;ky; }kjk ;g fu/kkZfjr fd;k
x;k gS fd%&
"8. After having gone through the award of the Claims Tribunal and the judgment and order National Insurance Co. Ltd. V. Savitri Devi, FAO No.143 of 2000, decided on 28-7-2005 (HP), passed by the learned Single Judge of the High Court, we are not able to understand as to how it has been found that the appellant Insurance Company can still be held liable to pay the amount of compensation as there has been a categorical finding by both the courts recording that the vehicle in question was insured only as "goods carrying vehicle". The custom of carrying barat in the village on the said truck will not be sufficient to hold the appellant Insurance Company liable to pay the amount of compensation. Admittedly, the appellant Insurance Company would not know unless the accident takes place as to for what purpose the vehicle in question was being used. The terms and conditions of the insurance policy are very clear and categorical and it creates a specific bar on carrying of any passengers, except the employees other than the driver, not exceeding six (6) in number, who should also come under the purview of the Workmen's Compensation Act.
9. The specific case of the claimants was that the barat was being taken in the said open truck on 12-11-1996 when the accident had taken place. Thus, according to us, it clearly violates the terms and conditions of the policy."
13- National Insurance Co. Ltd. Vs. Meena Agrawal 2009 ACJ 666 (SC) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor Insurance - Damage to vehicle - Repudiation of claim - Van was damaged in accident and insured claimed damages - Claim was rejected by insurance company on the ground that driver was not possessing a valid driving licence and the van, a private vehicle insured for personal use, was being used as a taxi for hire - Owner filed complaint before District Forum under Consumer Protection Act which was rejected - State Commission declared the claim as "non-standard", // 13 // held that there was no fundamental breach of terms of policy and directed the insurance company to pay Rs.90,000 - National Commission held that even though vehicle was being used as a commercial vehicle and driver had no valid licence, there was no fundamental breach of terms of policy and dismissed the revision filed by insurance company. Whether insurance company was justified in repudiating the claim - Held : yes."
14- Rajesh Kumar Vs. National Insurance Company Ltd. & Ors. (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986- Sections 2 (1) (g), 21 (b)- Insurance- Theft of vehicle- Vehicle used for hire purpose- Violation of policy conditions- Claim repudiated- Deficiency in service- District Forum allowed complaint- State commission allowed appeal- Hence revision- Vehicle was being used as a taxi although it was insured as a private vehicle- Use of vehicle for commercial purpose as a taxi is duly proved- Repudiation justified."
15- Reliance General Insurance Co. Ltd. Vs. Arun Kumar Singh and Anr. (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986- Sections 15, 17, 19 and 21- Insurance- Theft of vehicle- Claim repudiated on ground that in violation of terms and conditions of insurance policy, complainant had failed to give immediate intimation of theft in writing to insurance company- Complaint allowed by For a below- It is case of complainant that he reported theft of subject vehicle to concerned Police Station on same day and gave oral information of theft to petitioner insurance company- It is not case of complainant that he gave immediate intimation of theft of vehicle in writing to insurance company- On account of failure of complainant to perform his contractual obligation to intimate theft of vehicle to insurer, // 14 // repudiation of contract was justified- order of For a below set aside and complaint dismissed."
16- S.G. Shivamurtheppa vs Reliance General Insurance Company Limited I (2012) CPJ 175 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor vehicle was registered for carriage of passengers not exceeding to 12 - At time of accident, vehicle was instead carrying 16 persons - There was explicit and admitted violation of condition of insurance policy and so, claim rightly repudiated by Insurance Company. "
17. T.N. Das Vs. Oriental Insurance Company Limited & Ors. (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "2. ........ the said vehicle was used for hire or reward at the relevant time and owner of the vehicle had parted away with the possession of the vehicle without intimating the Insurance Company and hence the Insurance Company was not liable to pay any amount by way of compensation to the petitioner / complainant on account of damages to the insured vehicle in the road accident. After hearing the parties and considering the documents placed before it, the District Forum agreed with the defence taken by the Insurance Company that the insured vehicle was taken on hire or reward by the Government and dismissed the complaint by the impugned order. As stated above, the State Commission vide its impugned order also upheld the order of the District Forum and dismissed the appeal of the petitioner."
18. Neelmani Sahu Vs. I.C.I.C.I. Lombard General Insurance, 2014 (3) CLT 551, esa bl vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "11. In M.A. (C) No.842 / 2011 State of Chhattisgarh and another vs. Digamber Sahu and others, vide order dated 29th June, 2012, Division Bench of High Court of Chhattisgarh has held that :-
// 15 // "10. So far as wrongly fastening of liability upon the appellants is concerned it is not in dispute that at the relevant point of time, the offending Vehicle was requisitioned by the Collector/Returning Officer under Section 160 of the Act, 1951 for the purpose of Lok Sabha election of the year 2009. In such a state of affairs, although driver/respondent No. 1 Digambar Sahu was an employee of the owner/respondent No.2 Prashant Sahu, but as the vehicle was compulsorily requisitioned under the Statute by the Collector/Returning Officer for election purposes, therefore, there was no control of the owner/respondent No.2 over the offending vehicle and the same was entirely under the control of the appellants. As such, respondents No.2 & 3 i.e. owner and insurance company are not liable for payment of compensation, jointly and severally, alongwith driver/respondent No.1 in view of the law laid down by the Hon'ble Supreme Court in the case of National Insurance Co. Ltd. Vs. Deepa Devi and other, AIR 2008 SC
73. In view of the above, the objection raised by the appellants/State in this regard is also not tenable and is, therefore, rejected."
19. Shakeel Ahmed Vs. National Insurance Company Limited, 2015 (2) CPR 568 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "5. The learned counsel for the complainant / petitioner relies upon the decision of the Hon'ble Supreme Court in B.V. Nagaraju vs. Oriental Insurance Company Ltd. (1996) 4 SCC 647, the learned counsel for the respondent relies upon the subsequent decision of the Hon'ble Apex Court in National Insurance Company Limited Vs. Savitri Devi & Others (2013) 11 SCC 554. A perusal of the decision of the Hon'ble Apex Court in B.V. Nagaraju (supra) would show that at the time the vehicle met with an accident, it was carrying not only 9 persons including the driver of the vehicle but also the goods belonging to the persons who were travelling in the vehicle. The fact that the vehicle was carrying only the goods and the owners of those goods // 16 // clearly shows that primarily it was being used as a goods carrying vehicle and not as a passenger vehicle. The learned counsel for the petitioner draws my attention to para 7 of the decision whether the Hon'ble Apex Court interalia observed that the workmen who were travelling in the vehicle are assumed not to have increased any risk from the point of view of the insurance company on occurring of an accident and therefore, they could not have contributed to the causing of the accident. It was also noticed by the Hon'ble Apex Court that it was not the case of anybody that the driver was responsible for the accident. In Savitri Devi (supra) it was found that a barat was being carried in the vehicle which had been registered as a goods vehicle.
Allowing the appeal filed by the Insurance Company, the Hon'ble Apex Court interalia noted that the Insurance Company would not know unless the accident takes place as to what purpose the vehicle in question was being used. It was further observed that the terms and conditions of the policy were clear and categorical and created a specific bar on carrying the passenger except the employees othe than the persons not exceeding 6 in number. It would thus be seen that in Savitri Devi (supra), only passengers were found travelling in the vehicle at the time it met with an accident, whereas in B.V. Nagaraju (supra), goods were also found loaded in the vehicle and the passengers travelling in the said vehicles were none other than the owners of those goods. Therefore, in Savitri Devi (supra), the complainant was being used predominantly for carrying passengers at the time it met with an accident whereas it was being used primarily for carrying goods in B.V. Nagaraju (supra) when it met with the accident."
20- izFke lwpuk&i= mRrjoknh@ifjoknh ds pkyd }kjk gh ntZ djk;k x;k gS vkSj mlesa Li"V :Ik ls mYysf[kr gS fd okgu cqfdax esa pyrk Fkk vkSj ftl fnu pksjh dh ?kVuk gqbZ gS ml fnu 'kke dks Hkh okgu cqfdax ls okil ykSVk Fkk vkSj MªkbZoj mls vius ?kj ds ikl j[kk Fkk] tcfd tks ba';ksjsal ikWfylh gS mlds vuqlkj og izkbZosV dkj iSdst // 17 // ikWfylh ds :Ik esa tkjh fd;k x;k Fkk rFkk lfVZfQdsV vkWQ jftLVªs'ku ds vuqlkj gh Dykl vkWQ Oghdy esa L.M.V. (CAR) dk mYys[k gS vkSj bl izdkj Li"V gS fd mRrjoknh@ifjoknh }kjk okgu dks VSDlh ds :Ik esa mi;ksx esa yk;k tk jgk Fkk tks fd fuf'pr gh chek 'krksZ dk mYya?ku gS vkSj ,slh fLFkfr esa mRrjoknh@ifjoknh us ftu U;k; n`"Vkarksa dk voyacu fy;k gS mldk ykHk bl izdj.k esa mRrjoknh@ifjoknh dks ugha feyrk gSA 21- mijksDr foospuk ds ifjizs{; esa pwafd mRrjoknh@ifjoknh }kjk chek 'krksZa dk mYya?ku dj okgu dks pyk;k tk jgk FkkA ,slh fLFkfr esa chek daiuh us nkos dks fujLr dj fdlh izdkj ls lsok esa deh ugha fd;k gSA 22- mijksDr foospuk ds ifjizs{; esa ftyk Qksje }kjk ikfjr vkyksP; vkns'k =qfViw.kZ gS vkSj og fLFkj j[ks tkus ;ksX; ugha gSA 23- vr% vihykFkhZ@vukosnd dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&29-03-2017 vikLr fd;k tkrk gSA ifj.kker% mRrjoknh@ifjoknh dk ifjokn fujLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
08@09@2017 08@09@2017 08@09@2017