State Consumer Disputes Redressal Commission
Ashok Kumar Tiwari vs The New India Assurance Co. Ltd. & Anr. on 24 February, 2016
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ifjoknh dh vksj ls Jh jkts'k ik.Ms;] vf/koDrkA vukosnd dzekad&1 dh vksj ls Jh f'kf'kj Hk.Mkjdj] vf/koDrkA vukosnd dzekad&2 dh dh vksj ls Jh lkSjHk 'kqDyk] vf/koDrkA vkns'k fnukad% 24@02@2016 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k Ikfjoknh us ;g ifjokn /kkjk&17 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr vukosndx.k ds fo:} fuEukuqlkj vuqrks"k fnyk;s tkus gsrq izLrqr fd;k gS%& // 2 // **v- ifjoknh dks vukosnd dzekad&1 ls {kfrxzLr Vªd dk chfer ewY;&15]00]000@&¼iUnzg yk[k :Ik;s½ nkok fnukad ls okLrfod vnk;xh fnukad rd 18 izfr'kr C;kt lfgr fnyk;k tkosA c- ifjoknh dks vukosnd dzekad&1 ls izfrekg vk; ls 31]000@&¼bdrhl gtkj :Ik;s½ ls oafpr gksus gsrq rFkk vU; vkfFkZd {kfr;ksa gsrq 5]00]000@&¼ikap yk[k :Ik;s½ nkok fnukad ls okLrfod vnk;xh fnukad rd 18 izfr'kr C;kt lfgr fnyk, tk,A l- ifjoknh dks vukosndx.k ls ekufld d"V o larki gsrq 5]00]000@&¼ikap yk[k :Ik;s½ fnyk;k tk,A n- ifjoknh dks oknO;; gsrq 10]000@&¼nl gtkj :Ik;s½ rFkk vU; lgk;rk o vuqrks"k tks ekuuh; jkT; vk;ksx mfpr le>s fnyk,A** 02- ifjoknh dk ifjokn laf{kIr esa bl izdkj gS fd ifjoknh us Lo;a o vius ifjokj ds thfodksiktZu gsrq vDVwcj 2013 esa ,d lsdaM gS.M 2010 ekWMy VkVk ,y- ih- Vh- 3118 eky okgd Vªd dzekad&lh-th- 05 Mh@1258 mDr okgu ds iwoZ iathd`r Lokeh ls 15]00]000@&¼ianzg yk[k :Ik;s½ esa dz; djus dk lkSnk fd;k Fkk vkSj uxn 2]00]000@&¼nks yk[k :Ik;s½ dk Hkqxrku fd;k rFkk 'ks"k 13]00]000@&¼rsjg yk[k :Ik;s½ vukosnd dz-2 ls Qk;usal djok;k FkkA mDr Vªd dk ifjoknh us 15]00]000@&¼iUnzg yk[k :Ik;s½ ds fy, ikWfylh dzekad& 45180031130100006298 ds varxZr vukosnd dz-1 dks izhfe;e vnk dj fnukad&14-11-2013 ls 25-08-2014 dh vof/k ds fy, leLr {kfr;ksa gsrq chek djok;k FkkA vukosnd dz-2 ls izkIr _.k ds iquZHkqxrku gsrq fnukad&10-12-2013 ls 10-08-2017 dh vof/k esa izfrekg 38]711@&¼vM+rhl gtkj lkr lkS X;kjg :Ik;s½ dh dqy 45 fd'rsa vnk djuh FkhA rn~uqlkj ifjoknh }kjk izFke fd'r dk Hkqxrku fnukad&10-12- // 3 // 2013 ,oa f}rh; fd'r fnukad&14-01-2014 o r`rh; fd'r fnukad&15-02- 2014 dks fd;k x;k FkkA mDr Vªd ds lapkyu ls ifjoknh dks izfrekg yxHkx 70]000@&¼lRrj gtkj :Ik;s½ dh vk; gks tkrh Fkh ftlds vk/kkj ij ifjoknh _.k iquZHkqxrku dh izfrekg dh fd'r 38]711@&¼vM+rhl gtkj lkr lkS X;kjg :Ik;s½ Hkqxrku djus ds lkFk gh Vªd ds fofo/k [kpksZa ,oa vius ifjokj ds ikyu&iks"k.k dk [kpZ ogu djrk Fkk vkSj mDr ds vfrfjDr ifjoknh ds ikl vk; dk dksbZ lk/ku ugha gSA fnukad&25-02-2014 dh vylqcg ifjoknh dk mDr Vªd jk;x<+ ls dks;yk yksM dj jk;iqj vk jgk Fkk fd fljfxV~Vh fcykliqj ds ikl ,d vU; Vªd ds pkyd us rsth o ykijokghiwoZd vius okgu dks pykrs gq, ifjoknh ds Vªd dks tcjnZLr Bksdj ekj nh ftlds dkj.k Vªd esa vkx yx xbZ vkSj vkx cq>k, tkus rd Vªd iw.kZ :Ik ls u"V gks x;kA nq?kZVuk dh lwpuk Fkkuk fljfxV~Vh dks rRdky nh xbZ rFkk Qk;j fczxsM us vkdj yxh vkx ij dkcw ik;kA leLr U;k;ky;hu vkSipkfjdrkvksa dh iwfrZ ds ckn vukosnd dz-1 ds funsZ'kkuqlkj {kfrxzLr Vªd dks dzsu ls Vkspu dj jk;iqj yk;k x;k ftlds fy, ifjoknh dks Vkspu pktZ ds :Ik esa 7]000@&¼lkr gtkj :Ik;s½ O;; djus iM+sA mDr nq?kZVuk dh fof/kor~ lwpuk vukosnd dz-1 ds dk;kZy; esa fnukad&26-02-2014 dks nsrs gq, leLr vko';d nLrkostksa lfgr iw.kZ :Ik ls u"V Vªd dk {kfr nkok vukosnd dz-1 ds le{k izLrqr fd;k FkkA ifjoknh us bZ&esy ds tfj, Hkh fnukad&14-03-2014 dks nkok lwpuk] izFke lwpuk izfrosnu izsf"kr dj fn;k Fkk rkfd VksVy ykl gks pqds okgu dk {kfr nkok ;Fkk'kh?kz fujkd`r fd;k tk lds] ftls vukosnd dz-1 }kjk fujkdj.k gsrq laKku esa ysrs gq, ifjoknh dks vk'oLr fd;k x;k Fkk fd vfr'kh?kz {kfr nkok dk fujkdj.k dj ifjoknh dks {kfr?ku dk Hkqxrku dj fn;k tk,xkA ifjoknh us vius okgu ds nq?kZVukxzLr gksdj iw.kZr% u"V gks tkus dh lwpuk vukosnd dz-2 dks nsrs gq, ekfld Hkqxrku le;kof/k dks jksddj vkxs c<+kus dk vuqjks/k fd;k FkkA blh nkSjku vukosnd dz-1 }kjk izkIr funsZ'k ds vuqlkj // 4 // ifjoknh us vius okgu dks dkfjr {kfr;ksa dk vkadyu vf/kd`r odZ'kkWi tk;dk vkWVkseksckbZYl ,aM Qk;usal izkbZosV fyfeVsM ls djok;k Fkk ftuds }kjk ifjoknh ds okgu dh iw.kZ ejEer gsrq 17]47]310@&¼l=g yk[k lSarkyhl gtkj rhu lkS nl :Ik;s½ dk dksVs'ku fnukad&24-03-2014 iznku fd;k x;k Fkk ftlls Li"V gks x;k Fkk fd okgu esa dkfjr {kfr;ka VksVy ykWl dh Js.kh dh FkhA mDr ?kfVr nq?kZVuk esa ifjoknh dk okgu iw.kZ :is.k u"V gks x;k Fkk vkSj ifjoknh dh vk; dk ,d ek= lk/ku lekIr gks x;k Fkk tcfd vukosnd dz-2 }kjk ifjoknh ij yxkrkj ekfld fd'rksa ds Hkqxrku dk ncko cuk;k tkuk tkjh j[kk x;k rc ifjoknh us dkQh iz;kl ds ckn fnukad&31-03-2014 dks 5]000@&¼ikap gtkj :Ik;s½ tek djok;k FkkA blh nkSjku vukosnd dz-1 }kjk fnukad&28-05-2014 dks ,d i= izsf"kr dj ifjoknh dks lwfpr fd;k x;k fd ifjoknh }kjk ,fLVesV fnukad&27-05-2014 dks dk;kZy; esa tek fd;k x;k gS] vr% ,fLVesV foyac ls tek djus dk dkj.k Li"V djs ftldk Li"Vhdj.k ifjoknh us mlh fnu vukosnd dz-1 ds le{k izLrqr dj fn;k FkkA oLrqfLFkfr ls voxr gksus ds ckotwn Hkh vukosnd dz-2 }kjk fd'r vnk;xh gsrq ifjoknh ls yxkrkj rdknk fd;s tkus dks ns[krs gq, ifjoknh us ;su&dsu&izdkjs.k fnukad&19-08-2014 dks 35]000@& ¼iSarhl gtkj :Ik;s½ tek djok;s FksA ifjoknh us okgu {kfr nkok ds fujkdj.k gsrq vukosnd dz-1 ds dk;kZy; ds vusdksa pDdj dkVs rFkk vukosnd dz- 1 ds losZ;j ls laidZ djrk jgk rc ifjoknh dks ekSf[kd :Ik ls crk;k x;k fd vukosnd dz-1 {kfrxzLr okgu ds nkos dk fujkdj.k VksVy ykWl csfll ij djus dk bPNwd ugha gS vr% ifjoknh dks nkos ds iw.kZ fujkdj.k gksus ds iwoZ Lo;a ds O;; ls {kfrxzLr okgu dh vko';d ejEer djkuk 'kq: dj nsuk pkfg, rkfd nkos ds fujkdj.k rd okgu dh ejEer yxHkx iw.kZ gks tk, vkSj {kfr/ku dk okLrfod vkadyu fd;k tk lds ftlls {kqC/k ,oa O;fFkr ifjoknh us vU; dksbZ fodYi u gksus ds dkj.k fdlh izdkj ls jde m/kkj ysdj okgu ejEer dk dk;Z izkjaHk // 5 // djok;k Fkk ftlesa ifjoknh dks xaHkhj vkfFkZd ladV rFkk yxHkx N% ekg ls vk; ls iw.kZr% oafpr gksus dh ifjfLFkfr dk lkeuk djus ds vykok 1]11]000@&¼,d yk[k X;kjg gtkj :Ik;s½ O;; djus iM+sA vukosnd dz- 2 ds rdknksa ls ijs'kku gksdj ifjoknh us iqu% fnukad&31-10-2014 dks 39]000@&¼mupkyhl gtkj :Ik;s½ ekfld fd'r isVs vnk fd;k Fkk blds ckotwn vukosnd dz-2 us _.k Lohd`fr ds le; ifjoknh ls flD;wfjVh ds crkSj izkIr dksjs o gLrk{kfjr psd dzekad&623349 esa fnukad&23-09-2014 rFkk jde 10]00]000@&¼nl yk[k :Ik;s½ vafdr dj cxSj ifjoknh dks lwfpr fd, Hkqxrku gsrq cSad esa izLrqr dj fn;k tks fd vuknfjr gks x;kA vukosnd dz-1 }kjk ifjoknh ds {kfr nkos dks vkt fnukad rd vdkj.k yafcr j[ks tkus ls _.k iquZHkqxrku rFkk okgu dh vU; ejEer [kpZ mBkus esa ifjoknh iw.kZr% vleFkZ gks pqdk gSA vukosnd dz-2 }kjk ifjoknh dks uksfVl Hkstdj dqy cdk;k 13]56]778@&¼rsjg yk[k NIiu gtkj lkr lkS vBgRrj :Ik;s½ dk vfoyac Hkqxrku djus vU;Fkk dkuwuh dk;Zokgh dh psrkouh nh xbZ gSA okgu nq?kZVuk fnukad&25-02-2014 ls vkt rd ifjoknh ds {kfr nkos dks vdkj.k o vuko';d :Ik ls yafcr j[kk x;k gS ftlls ifjoknh ds le{k jksth&jksVh dk ladV mRiUu gks x;k gS rFkk vukosnd dz-2 }kjk ifjoknh ds fo:) rjg&rjg ls izrkfM+r djus gsrq euekus <ax ls dk;Zokgh dh tk jgh gS ftlds fy, vukosnd dz-1 ftEesnkj gSA vukosndx.k ds mDr d`R; ds ifj.kkeLo:Ik ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k iznku fd;k tkosA 03- vukosnd dz-1 dh vksj ls fyf[kr dFku izLrqr dj ;g vfHkopu fd;k x;k gS fd ifjoknh ,d vkWVks Mhyj gS ftlus mDr okgu fdlh laHkkfor [kjhnnkj dks Åaps nke ij cspus rFkk mDr okgu dk O;olkf;d mi;ksx djus dh ea'kk ls u fd Lo;a ds thfodksiktZu gsrq dz; fd;k Fkk ftlds dkj.k ifjokn izpyu ;ksX; ugha gSA dfFkr fookn izR;kHkwfr dh // 6 // lafonk vFkkZr~ chek ikWfylh ij vk/kkfjr gS ogha nwljh vksj ifjoknh dk fookn _.k vuqca/k ls lacaf/kr gS vkSj nksuksa gh vuqca/kksa ds varxZr fo"k;oLrq vyx&vyx gS vkSj 'krsZa Hkh fHkUu gS vkSj nksuksa vuqca/kksa dk vkil eas dksbZ laca/k Hkh ugha gSA blfy, ifjoknh dk ifjokn okn dkj.kksa ds dqla;kstu ij vk/kkfjr gS rFkk ,d lkFk nksuksa i{kdkj ds fo:) iks"k.kh; ugha gSA iz'uxr okgu vukosnd dz-1 ds ikl dkef'kZ;y Oghdy iSdst ikWfylh dzekad&4518003110100006298 ds varxZr fnukad&14-11- 2013 ls 25-08-2014 dh vof/k ds fy, chfer Fkh ijUrq mDr ikWfylh fofHkUu 'krksZa ,oa fucZa/kuksa ds varxZr tkjh dh xbZ Fkh ftudk lexz ifjikyu mDr chek ikWfylh ds varxZr fdlh Hkh nkf;Ro ds mRiUu gksus ds fy, iqjksHkkO; 'krZ FkhA dfFkr nq?kZVuk esa iz'uxr okgu iw.kZ :Ik ls u"V ugha gqvk Fkk cfYd okgu dks lkekU; {kfr dkfjr gqbZ Fkh tks fd ejEer ;ksX; FkhA chfer okgu ds {kfrxzLr gks tkus dh lwpuk fn;s tkus ek= ls gh chek daiuh }kjk mDr okgu ls lacaf/kr {+kfr nkok fujkd`r ugha fd;k tk ldrk D;ksafd okgu {kfr nkos ds laca/k esa Dyse izksfltj esU;qvy ds varxZr fu/kkZfjr izfdz;k dk ikyu fd;k tkuk vko';d gksrk gS tks fd rHkh laHko gksrk gS tc chfer }kjk okgu dks gqbZ dfFkr {kfr] okgu dh ejEer rFkk okgu ls lacaf/kr leLr nLrkost chek daiuh dks rRdky miyC/k djk fn;s tkosa tks fd iz'uxr ekeys esa ifjoknh }kjk miyC/k ugha djk;s x;s gSaA iz'uxr okgu ds dfFkr nq?kZVuk fnukad&25- 02-2014 dks nq?kZVukxzLr gksus dh lwpuk izkIr gksrs gh vukosnd dz-1 }kjk rRdky ,- fprk jatu ik=ks }kjk LikWV losZ djk;k x;k ftUgksaus iz'uxr okgu dk nq?kZVuk LFky ij tkdj fujh{k.k fd;k rFkk ifjoknh ls iz'uxr okgu ls lacaf/kr nLrkostksa dh ekax dh xbZ tks fd vR;f/kd foyac ls fnukad&08-10-2014 dks miyC/k djk;k x;k rFkk iz'uxr okgu Vªd dzekad&lh-th-05Mh@1258 dks dfFkr nq?kZVuk fnukad&25-02-2014 ds yxHkx 08 fnol Ik'pkr~ fnukad&05-03-2014 dks jk;iqj odZ'kkWi esa ejEer gsrq yk;k x;k rFkk okgu ejEer esa gksus okys laHkkfor O;; ds // 7 // laca/k esa tk;dk vkWVkseksckbZYl dk ,fLVesV Hkh nq?kZVuk fnukd ls 01 ekg Ik'pkr~ rS;kj djk;k x;k tks fd ifjoknh }kjk vukosnd dz-1 dks fnukad&27-05-2014 dks miyC/k djk;k x;k tcfd okgu ejEer ls lacaf/kr ,fLVesV fu;er% vfoyac izLrqr fd;k tkuk pkfg, D;ksafd mlds vHkko esa chek daiuh }kjk okgu dks gqbZ okLrfod {kfr dk vkadyu fd;s tkus gsrq vafre losZ{k.k djk;k tkuk laHko ugha gks ikrk gS blfy, vukosnd dz-1 }kjk ifjoknh dks fnukad&28-05-2014 dks i= fy[kdj foyac ls ,fLVesV izLrqfr ds laca/k esa Li"Vhdj.k ekaxk x;k Fkk ftldk ifjoknh }kjk dksbZ lek/kku dkjd dkj.k ugha n'kkZ;k x;kA fnukad&27- 05-2014 dks ,fLVesV izLrqr fd;s tkus ij Jh mRd"kZ f'kaXosdj dks iz'uxr okgu dks gqbZ {kfr ds okLrfod vkadyu gsrq vafre losZ{k.k djus gsrq vuqjks/k fd;k x;k ftlds ikyu esa Jh f'kaXosdj }kjk fnukad&28-05- 2014 rFkk mlds Ik'pkr~ dbZ ckj odZ'kkWi esa tkdj okgu dk losZ{k.k fd;k x;k vkSj ;g ik;k x;k fd iz'uxr okgu de [kpZ esa ejEer ;ksX; gS rFkk ifjoknh dks bl ckr ds fy, jkth fd;k fd iz'uxr okgu tks fd lsdaM gS.M okgu Fkk] dh ejEer djok;s rc ifjoknh okgu dks lsdaM gS.M lkekuksa ds ek/;e ls ejEer djokus gsrq jkth gks x;k vkSj okgu dh ejEer djokbZ ftlesa ek= 1]11]300@&¼,d yk[k X;kjg gtkj rhu lkS :Ik;s½ gh O;; fd, x, ijUrq ejEer laca/kh fcy miyC/k ugha djk;s x;sA Jh mRd"kZ f'kaXosdj }kjk {kfrxzLr okgu dk losZ{k.k ifjoknh }kjk izLrqr ,fLVesV dks n`f"Vxr j[krs gq, viuh losZ fjiksVZ fnukad&14- 01-2015 }kjk dqy 4]36]800@&¼pkj yk[k NRrhl gtkj vkB lkS :Ik;s½ fd;k x;k tks fd chek ikWfylh dh 'krksZa ds ifjikyu rFkk chek daiuh }kjk vius nkf;Ro dks Lohdkj fd;s tkus dh 'krZ ij ns; FkkA ifjoknh }kjk {kfrxzLr okgu ds ejEer esa dqy 1]11]300@&¼,d yk[k X;kjg gtkj rhu lkS :Ik;s½ gh O;; fd;k x;k gS blfy, vukosnd chek daiuh okLrfod O;; gsrq gh nkf;Rok/khu gS c'krsZ ifjoknh }kjk Dyse izksfltj esU;qvy ds izko/kku ds vuqlkj ejEer laca/kh vly fcy] vius cSad [kkrs // 8 // dk bZ-lh-,l- daiuh dks miyC/k djk fn;k tkos ijUrq ifjoknh }kjk mDr nLrkost vukosnd chek daiuh dks vkt fnukad rd miyC/k ugha djk;k x;k gS ftlds laca/k esa vukosnd chek daiuh }kjk vius i= fnukad&29- 01-2015 }kjk ekax Hkh dh xbZ gS] mlds ckotwn Hkh ifjoknh mDr nLrkost miyC/k ugha djk jgk gS blfy, mlds nkos ds fujkdj.k esa gks jgs foyac gsrq og Lo;a ftEesnkj gSA vukosnd dz-1 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh dksbZ {kfriwfrZ jkf'k izkIr djus dk vf/kdkjh ugha gSA vr% ifjokn fujLr fd;k tkosA 04- vukosnd dz-2 dh vksj ls fyf[kr dFku izLrqr dj ;g vfHkopu fd;k x;k gS fd vukosnd dz-2 }kjk ifjoknh dks mYysf[kr eky okgd ;ku Vªd dzekad&lh-th- 05Mh@1258 gsrq _.k vuqca/k dzekad& XVFPRPV00001072923 fu"ikfnr dj 13]00]000@&¼rsjg yk[k :Ik;s½ _.k iznk; fd;k x;k Fkk vkSj fu/kkZfjr C;kt dh nj ij 45 ekg gsrq Qk;uasal fd;k x;k FkkA fookfnr okgu dks vukosnd dz-2 }kjk fnukad&15-10-2013 dks Qk;usal fd;k x;k Fkk ftldh e; C;kt vnk;xh 38]711@&¼vM+rhl gtkj lkr lkS X;kjg :Ik;s½ dh 45 fd'rksa esa fu;fer :Ik ls fnukad&10-08-2017 rd dh tkuh FkhA ifjoknh }kjk mDr okgu ds nq?kZVuk gksus dh lwpuk bZ&esy ds ek/;e ls fnukad&14- 03-2014 dks vukosnd dz-2 dks nh Fkh vkSj mDr bZ&esy ds dqN le; ckn fd'rksa dh fujarjrk dk dFku fd;k x;k Fkk ftls ifjoknh }kjk vukosnd dz-2 ds ckj&ckj ekax ij iwfrZ ugha fd;k x;k vkSj u gh fd'r dh fu;fer vnk;xh dh xbZ tks fd vuqca/k ds foijhr FkkA ifjoknh }kjk mDr okgu ds _.k isVs fnukad&31-03-2014 dks 5]000@&¼ikap gtkj :Ik;s½ dk Hkqxrku fd;k x;k gS rFkk fnukad&19-08-2014 dks 35]000@& ¼iSarhl gtkj :Ik;s½ ,oa fnukad&31-10-2014 dks 39]000@&¼mupkyhl gtkj :Ik;s½ tek djok;k x;k FkkA ifjoknh dks mlds }kjk iznRr /kukns'k dzekad&623349 fnukad&23-09-2014 jkf'k&10]000@&¼nl gtkj // 9 // :Ik;s½ ds vuknj.k dh lwpuk fnukad&31-10-2014 dks izsf"kr dh xbZ FkhA vukosnd dz-2 }kjk ifjoknh dks fnukad&19-11-2014 dks lwpuk izsf"kr dj fnukad&18-11-2014 rd cdk;k fd'r o O;; jkf'k&3]20]963@&¼rhu yk[k chl gtkj ukS lkS frjlB :Ik;s½ ,oa vnk;xh u fd, tkus ij fnukad&12-12-2014 dks cdk;k jkf'k&13]56]778@&¼rsjg yk[k NIiu gtkj lkr lkS vBgRrj :Ik;s½ dh ekax gsrq lwpuk izsf"kr dh xbZ FkhA ifjoknh }kjk mDr fookfnr Vªd ds nq?kZVuk gksus dk dFku dj dqN le; ckn fu;fer fd'r dh vnk;xh dk vk'oklu fn;k x;k Fkk ijarq ekpZ 2014 ds 05 ekg ckn rd jkf'k tek ugha fd;k x;k rFkk ekg vxLr esa Hkh ek= ,d ekg dh jkf'k tek fd;k x;k tcfd lkr ekg dh fd'r jkf'k dk Hkqxrku cdk;k Fkk tks fd vuqca/k dh 'krksZa ds foijhr Fkk ftlds dkj.k ls ifjoknh ls cdk;k jkf'k dh ekax ij mlds }kjk iznRr fnukad&23-09-2014 dk /kukns'k 10]00]000@&¼nl yk[k :Ik;s½ dks cSad esa izLrqr fd;k x;k tks fd vuknfjr gks x;k ftlds ckn iqu% ifjoknh }kjk laidZ dj fu;fer Hkqxrku dk dFku fd;k x;k vkSj fnukad&31-10- 2014 dks 39]000@&¼mupkyhl gtkj :Ik;s½ tek fd;k x;k ijUrq mlds Ik'pkr~ fujarj ekax ij Hkh cdk;k jkf'k e; C;kt dh vnk;xh ugha dh xbZ ftlds dkj.k fnukad&19-11-2014 dks cdk;k jkf'k gsrq rFkk fnukad&12-12-2014 dks laiw.kZ cdk;k jkf'k dh ekax laca/kh lwpuk izsf"kr dh xbZA vuqca/k dh 'krkZuqlkj fookfnr okgu o _.k laca/kh leLr okn psUubZ esa izLrqr fd;k tkuk pkfg,A _.k vuqca/k ds 'krZ dzekad&29 ds vuqlkj ;fn nksuksa i{kksa ds e/; dksbZ fookn mRiUu gksrk gS rks mldk fuiVkjk e/;LFk ,oa lqyg vf/kfu;e ds izko/kkuksa ds varxZr e/;LFk fu;qDr dj ek/;LFke dk;Zokgh ds ek/;e ls fd;k tkosxk bl dkj.k orZeku fookn jkT; vk;ksx ds le{k iz;yu ;ksX; ugha gSA e/;LFk ,oa lqyg vf/kfu;e] 1996 ds varxZr /kkjk&8 ds izko/kkuksa ls Li"V gS fd ;fn i{kdkjksa ds e/; fdlh izdkj dk fookn mRiUu gksrk gS rks mldk fuiVkjk e/;LFk fu;qDr dj ek/;LFke dk;Zokgh ds ek/;e ls fd;k // 10 // tkosxk] laca/kh 'krZ dk mYys[k vuqca/k esa fd;k x;k gks rks og fdlh Hkh vU; U;k;ky; esa dk;Zokgh ugha dh tkosxhA ifjoknh ,oa vukosnd pksyke.Mye ds e/; fu"ikfnr vuqca/k ds vuqlkj vukosnd daiuh }kjk viuh cdk;k jkf'k e; C;kt gsrq ifjoknh ,oa tekurnkj ds fo:) ,d e/;LFk izdj.k Hkh izLrkfor gS ftldh tkudkjh ifjoknh dks iw.kZ :Ik ls gS vkSj ifjoknh mijksDr izdj.k esa vnk;xh ls cpus gsrq gh mDr ifjokn lafLFkr fd;k gS tks fd izFke n`"V;k fujLruh; gSA vukosnd dz-2 }kjk lsok esa dksbZ deh ugha dh xbZ gSA vr% ifjokn fujLr fd;k tkosA 05- ifjoknh dh vksj ls vius i{k leFkZu esa Lo;a dk 'kiFk&i= rFkk tokcnkjh i=] fcdzh jlhn] fMyhojh uksV fnukad&22-10-2013 ¼izn'kZ&1½] okgu fcdzh bdjkjukek fnukad&23-10-2013 ¼izn'kZ&2½] 'ksM~;wy vkWQ ,xzhesaV fnukad&31-10-2013 ¼izn'kZ&3½] jftLVªs'ku lfVZfQdsV fMVsYl ¼izn'kZ&4½] chek ikWfylh ¼izn'kZ&5½] c`tyky iztkifr dk MªkbZfoax ykbZlsal ¼izn'kZ&6½] osyde ysVj rFkk fjisesaV 'ksM~;wy fnukad&19-11-2013 ¼izn'kZ&7½] ifjoknh dk cpr [kkrk ikl cqd ¼izn'kZ&8½] fd'r tek jlhn fnukad&14-01-2014 ¼izn'kZ&9½] fd'r tek jlhn fnukad&15-02-2014 ¼izn'kZ&10½] ifjoknh }kjk Fkkuk izHkkjh] fljfxV~Vh ftyk fcykliqj esa izLrqr vkosnu fnukad&25-02-2014 ¼izn'kZ&11½] xfreki iqLrd ¼izn'kZ&12½] Vkspu pktZ jlhn fnukad&05-03-2014 ¼izn'kZ&13½] bZ&esy 14- 03-2014 ¼izn'kZ&14½] ifjoknh }kjk chek daiuh dks nh xbZ lwpuk fnukad&26-02-2014 ¼izn'kZ&15½] izFke lwpuk izfrosnu fnukad&25-02-2014 ¼izn'kZ&16½] ifjoknh }kjk vukosnd dz-2 ds le{k izLrqr vkosnu ¼izn'kZ&17½] tk;dk vkWVksekckbZYl ,.M Qk;usal izkbZosV fyfeVsM dk dksVs'ku fnukad&24-03-2014 ¼izn'kZ&18½] fd'r tek jlhn fnukad&31-03- 2014 ¼izn'kZ&18,½] vukosnd dz-1 }kjk ifjoknh dks izsf"kr i= fnukad&28-05-2015 ¼izn'kZ&19½] ifjoknh }kjk vukosnd dz-1 dks fy[kk x;k i= fnukad&28-05-2014 ¼izn'kZ&20½] fd'r tek jlhn fnukad&19- // 11 // 08-2014 ¼izn'kZ&20,½] egkjk"Vª eksVj fjis;fjax dk fcy fnukad&26-09- 2014 ¼izn'kZ&21½] flUVw eksVj xSjst dk fcy fnukad&30-09-2014 ¼izn'kZ&22½] flUVw eksVj xSjst dk fcy fnukad&30-09-2014 ¼izn'kZ&23½] fd'r tek jlhn fnukad&31-10-2014 ¼izn'kZ&24½] vukosnd dz-2 }kjk ifjoknh dks izsf"kr uksfVl fnukad&31-10-2014 ¼izn'kZ&25½] vukosnd dz-2 }kjk ifjoknh dks izsf"kr uksfVl fnukad&19-11-2014 ¼izn'kZ&26½] vukosnd dz-2 }kjk ifjoknh dks izsf"kr uksfVl fnukad&12-12-2014 ¼izn'kZ&27½] lXxw bathfu;fjax dkiksZjs'ku dk dS'k eseks fnukad&26-07-2014 ¼izn'kZ&28½] vukosnd dz-1 }kjk ifjoknh dks izsf"kr i= fnukad&29-01-2015 ¼izn'kZ&29½] izkfIr fyQkQk ¼izn'kZ&30½ dh QksVks dkih rFkk QksVks xzk¶l ¼izn'kZ&31 ls 36½ izLrqr fd;k gSA 06- vukosnd dz-1 dh vksj ls vius i{k leFkZu esa losZ;j Jh mRd"kZ f'kaXosdj ,oa vkj- ds- fd'kksj ofj"B eaMy izca/kd dk dk 'kiFk&i= izLrqr fd;k gSA lkFk gh chek ikWfylh ¼izn'kZ vks-ih-1&1½ dk vly] ifjoknh }kjk fn;k x;k lwpuk fnukad&26-02-2014 ¼izn'kZ vks-ih-1&2½ dk vly] losZ;j fjiksVZ fnukad&10-10-2014 ¼izn'kZ vks-ih-1&3½ dh izekf.kr izfr] vukosnd dz-1 }kjk ifjoknh dks izsf"kr i= fnukad&28-05-2014 ¼izn'kZ vks-ih-1&4½ dh dkcZu izfr] vukosnd dz-1 }kjk Jh mRd"kZ f'kaXosdj dks izsf"kr i= fnukad&21-10-2014 ¼izn'kZ vks-ih-1&5½ dk vly] vukosnd dz-1 }kjk Jh mRd"kZ f'kaXosdj dks izsf"kr i= fnukad&26-11-2014 ¼izn'kZ vks-ih-1&6½ dh dkcZu izfr] vukosnd dz-1 }kjk Jh mRd"kZ f'kaXosdj dks izsf"kr i= fnukad&12-12-2014 ¼izn'kZ vks-ih-1&7½ dk vly] losZ;j fjiksVZ fnukad&14-01-2015 ¼izn'kZ vks-ih-1&8½ dk vly] Jh mRd"kZ f'akXosdj }kjk vukosnd dz-1 dks izsf"kr i= fnukad&30-01-2015 ¼izn'kZ vks-ih-1&9½ dk vly rFkk vukosnd dz-1 }kjk ifjoknh dks izsf"kr i= fnukad&29-01- 2015 ¼izn'kZ vks-ih-1&10½ dk vly izLrqr fd;k gSA // 12 // 07- vukosnd dz-2 dh vksj ls vius i{k leFkZu esa vkfny vgen eq[R;kjvke dk 'kiFk&i= izLrqr fd;k gSA lkFk gh [kkrk fooj.kh rFkk eq[R;kjvke dh QksVks dkih izLrqr fd;k gSA 08- ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jkts'k ik.Ms; dk ;g rdZ gS fd ifjoknh us vukosnd dz-1 ls eky okgd Vªd ds laca/k esa ikWfylh izkIr fd;k Fkk tks fd fnukad&14-11-2013 ls fnukad&25-08-2014 dh vof/k ds fy, chfer Fkk vkSj ftlds v/khu leLr {kfr;ksa dks chfer djok;k x;k FkkA ifjoknh us mDr okgu vukosnd dz-2 ls foRrh; lgk;rk izkIr dj dz; fd;k Fkk vkSj fu;ekuqlkj fd'r vnk dj jgk Fkk ijUrq fnukad&25-02-2014 dks okgu Vªd dz-&lh-th- 05 Mh@1258 jk;x<+ ls dks;yk yksM dj jk;iqj vk jgk Fkk rks fljfxV~Vh fcykliqj ds ikl nwljs okgu us Vªd dks tcZnLr Bksdj ekj fn;k Fkk ftlls okgu esa vkx yx xbZ Fkh vkSj okgu iw.kZ :is.k {kfrxzLr gks x;k Fkk ftldh rRdky lwpuk iqfyl LVs'ku fljfxV~Vh dks nh xbZ Fkh rFkk vukosnd dz-1 dks Hkh lwpuk nh xbZ FkhA ifjoknh dk okgu iw.kZ :is.k {kfrxzLr gks x;k Fkk rFkk vukosnd dz-1 }kjk losZ;j fu;qDr fd;k x;k Fkk vkSj losZ;j }kjk ifjoknh ds okgu dk fujh{k.k fd;k x;k Fkk ijUrq losZ;j us vR;f/kd foyac ls fjiksVZ fn;k vkSj losZ;j }kjk vius drZO;ksa dk mfpr :Ik ls fuoZgu fd, fcuk gh ifjoknh ij ncko cuk;k tkrk jgk fd lsdaM gSaM ikVZ~l ls okgu dh ejEer djok, vkSj ,d izdkj ls losZ;j }kjk lykgdkj (Counseller) ds :Ik esa dk;Z fd;k x;k vkSj ifjoknh dks lsd.M gSaM ikVZ~l ls okgu ejEer djkus gsrq foo'k fd;k x;k vkSj ifjoknh }kjk foo'krko'k lsdaM gSaM ikVZ~l }kjk okgu ejEer djkus dh lgefr iznku dh xbZA Jh jkts'k ik.Ms; vf/koDrk dk ;g Hkh rdZ gS fd vukosnd dz-1 }kjk nkos dk fujkdj.k ugha fd;k x;k gS vkSj nkos ds fujkdj.k esa foyac dkfjr fd;k x;k gS rFkk ifjoknh ij ncko Mkyk tk jgk Fkk fd og dksjs fMLpktZ // 13 // OgkÅpj ij gLrk{kj dj fMLpktZ OgkÅpj izLrqr djs ftldh iqf"V vukosnd dz-1 ds fyf[kr dFku dh dafMdk&6 ,oa vukosnd dz-1 }kjk izsf"kr i= vuqyXud&29 ls gksrk gS vkSj bl izdkj vukosnd dz-1 }kjk vuko';d :Ik ls ifjoknh ds nkos dk fujkdj.k ugha fd;k x;k gS vkSj ifjoknh dks foo'k fd;k tk jgk Fkk fd og fMLpktZ OgkÅpj gLrkfjr djs] tcfd vukosnd dz-1 }kjk nkos dk fujkdj.k gh ugha fd;k x;k FkkA blls Li"V gS fd vukosnd dz-1 }kjk lsok esa deh fd;k x;k gS vkSj O;olkf;d dnkpj.k fd;k x;k gSA Jh jkts'k ik.Ms; vf/koDrk dk ;g Hkh rdZ gS fd okgu iw.kZ :is.k {kfrxzLr gks x;k Fkk tks fd VksVy ykWl dh Js.kh esa vkrk gS vkSj blfy, ifjoknh tks chfer ewY; gS] mls izkIr djus dk vf/kdkjh gS vkSj vukosnd dz-1 }kjk nkos ds fujkdj.k esa foyac dkfjr fd;k x;k gS blfy, ifjoknh ekufld ihM+k ds fy, {kfriwfrZ ikus dk vf/kdkjh gSA vr% ifjoknh }kjk ifjokn&i= esa tks vuqrks"k pkgk x;k gS og vuqrks"k iznku dh tkosA ifjoknh dh vksj ls bl laca/k esa Worldfa Exports Pvt. Ltd. Vs. United India Insurance Co. Ltd. I (2016) CPJ 8 (Del.) ds U;k; n`"Vkar dk voyacu fy;k gSA 09- vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh f'kf'kj Hk.Mkjdj dk ;g rdZ gS fd ifjoknh }kjk O;olkf;d iz;kstu ds fy, Vªd dks [kjhnk x;k gS vkSj blfy, og miHkksDrk dh Js.kh esa ugha vkrk gS vkSj ifjokn fujLrh ;ksX; gSA ifjoknh dks chek daiuh }kjk i= fy[kk x;k Fkk fd og lqlaxr nLrkost izLrqr djs ijUrq ifjoknh }kjk nLrkost izLrqr ugha fd;k x;kA Dyse izksfltj esU;qvy ds varxZr fu/kkZfjr izfdz;k dk ikyu fd;k tkuk vko';d gksrk gS vkSj og rHkh laHko gksrk gS tc chfer }kjk okgu laca/kh leLr nLrkost chek daiuh dks rRDky miyC/k djk fn;k tkos ijUrq ifjoknh }kjk nLrkost miyC/k ugha djok;k x;kA ifjoknh us tks ,fLVesV izLrqr fd;k gS og =qfViw.kZ gSA ifjoknh dk okgu VksVy ykWl dh Js.kh esa ugha vkrk gSA Jh mRd"kZ // 14 // f'kaXosdj tks fd ykbZlsal'kqnk losZ;j gS] tks fd fu"i{k O;fDr gS vkSj mlds }kjk okLrfod :Ik ls {kfr dk vkadyu dj fjiksVZ fn;k x;k gSA ifjoknh dk okgu tks fd lsd.M gSaM okgu Fkk] mldh ejEer djkus ds fy, ifjoknh us lgefr O;Dr fd;k Fkk vkSj lsd.M gSaM lkeku yxk;s tkus ds fy, Hkh viuh lgefr fn;k Fkk blfy, ifjoknh dks dkfjr {kfr gS og dsoy 4]36]800@&¼pkj yk[k NRrhl gtkj vkB lkS :Ik;s½ fu/kkZfjr fd;k x;k Fkk ijUrq ifjoknh }kjk fMLpktZ OgkÅpj fu"ikfnr ugha fd;k x;k blfy, nkos dk fujkdj.k ugha fd;k x;kA ifjoknh fdlh izdkj dh dksbZ {kfriwfrZ ikus dk vf/kdkjh ugha gSA okgu iqjkuk Fkk vkSj blfy, Msfizfl,'ku dkVk tkuk vko';d gS vkSj vukosnd dz-1 }kjk bl laca/k esa bafM;k eksVj VsfjQ ds i`"B dzekad&143 vkSj 144 esa tks 'ksM~;wy fn;k x;k gS mldk voyacu ysrs gq, O;Dr fd;k gS fd okgu iqjkuk gksus ij vuqlwph vuqlkj Msfizfl,'ku dkVk tkosxk vkSj mlh vk/kkj ij mRd"kZ f'kaXosdj }kjk {kfr dk vkadyu fd;k x;k gS vkSj ,slh fLFkfr esa ifjoknh ;fn fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh gS rks og losZ;j fjiksVZ ds vk/kkj ij gh ikus dk vf/kdkjh gS u fd chfer ewY; ds vk/kkj ijA Jh f'kf'kj HkaMkjdj dk ;g Hkh rdZ gS fd losZ;j ds laca/k esa tks xkbZM ykbZu gS mlds vuqlkj og chfer ,oa chekdrkZ dks {kfr ds fu/kkZj.k ds laca/k esa le>kbZ'k ns ldrk gS vkSj bl izdj.k esa mRd"kZ f'kaXosdj us mls iznRr vf/kdkjksa dk mi;ksx fd;k gS vkSj ,slh fLFkfr esa ;g ugha dgk tk ldrk fd losZ;j }kjk ncko Mkydj ifjoknh ls lgefr fy;k x;k gS vkSj vkSj losZ;j fjiksVZ dk lkf{kd ewY; gS vkSj tc rd fd fu'p;kRed lk{; }kjk mls [kf.Mr u fd;k tkos losZ;j fjiksVZ dks R;Dr ugha fd;k tk ldrk gSA ,slh fLFkfr esa ifjoknh dk ;g dFku fd vukosnd dz-1 }kjk lsok esa deh fd;k x;k gS] Lohdkj ;ksX; ugha gSA ifjoknh fdlh izdkj dk vuqrks"k ikus dk vf/kdkjh ugha gSA vr% ifjokn fujLr fd;k tkosA vukosnd dz-1 dh vksj ls bl laca/k esa Khimjibhai & Sons Vs. New India Assurance Co. Ltd. IV (2011) CPJ 458 (NC) ,oa // 15 // United India Insurance Co. Ltd. Vs. Durga Carriers Pvt. Ltd. I (2013) CPJ 212 (NC) dk voyacu fy;k gS vkSj blds vk/kkj ij ifjoknh ds ifjokn dks fujLr fd;s tkus dk fuosnu fd;k gSA 10- vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lkSjHk 'kqDyk dk ;g rdZ gS fd ifjoknh }kjk fu;fer fd'r dh jkf'k dk Hkqxrku ugha fd;k x;k gS vkSj ;fn ifjoknh dks fdlh izdkj dh {kfriwfrZ jkf'k fnyk;k tkrk gS rks og jkf'k Qk;usa'kj gksus ds ukrs vukosnd dz-2 izkIr djus dk vf/kdkjh gSA vr% ;fn dksbZ funsZ'k fn;k tkrk gS rks vukosnd dz-1 dks funsZf'kr fd;k tkos fd og jkf'k vukosnd dz-2 dks Hkqxrku djs rkfd ifjoknh ds _.k esa mls le;kftr fd;k tk ldsA 11- geus mHk;i{k ds fo)ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk vfHkys[k dk ifj'khyu fd;kA 12- loZizFke ;g fopkj djuk gS fd D;k ifjoknh **miHkksDrk** gS\ 13- miHkksDrk laj{k.k vf/kfu;e] 1986] dh /kkjk&2 ¼1½ ¼Mh½ esa miHkksDrk dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj & ¼?k½ **miHkksDrk** ls ,slk dksbZ O;fDr vfHkizsr gS] tks& ¼i½ fdlh ,sls izfrQy ds fy, ftldk lank; fd;k x;k gS ;k opu fn;k x;k gS ;k Hkkxr% lank; fd;k x;k gS] vkSj Hkkxr% ogpu fn;k x;k gS ;k fdlh vkLFkfxr lank; dh i}fr ds v/khu fdlh eky dk dz; djrk gS] vkSj blds vUrxZr ,sls fdlh O;fDr ls fHkUu] tks ,sls izfrQy ds fy, ftldk lank; fd;k x;k gS ;k opu fn;k x;k gS ;k Hkkxr% lank; fd;k x;k gS ;k Hkkxr% opu fn;k x;k gS ;k vkLFkfxr lank; dh i}fr ds v/khu eky dk dz; djrk gS ;k ,sls eky dk dksbZ iz;ksxdrkZ Hkh gS] tc ,slk iz;ksx // 16 // ,sls O;fDr ds vuqeksnu ls fd;k tkrk gS fdUrq blds vUrxZr ,slk dksbZ O;fDr ugha gS tks ,sls eky dks iqu% fodz; ;k fdlh okf.kfT;d iz;kstu ds fy, vfHkizkIr djrk gS] vkSj ¼ii½ fdlh ,sls izfrQy ds fy, ftldk lank; fd;k x;k gS ;k opu fn;k x;k gS ;k Hkxr% lank; fd;k x;k gS vkSj Hkkxr% opu fn;k x;k gS] ;k fdlh vkLFkfxr lank; dh i}fr ds v/khu lsokvksa dks [HkkM+s ij ysrk gS ;k miHkksx djrk gS] vkSj blds vUrxZr ,sls fdlh O;fDr ls fHkUu tks ,sls fdlh izfrQy ds fy, ftldk lank; fd;k x;k gS vkSj opu fn;k x;k gS vkSj Hkkxr% lank; fd;k x;k gS vkSj Hkkxr% opu fn;k x;k gS ;k fdlh vkLFkfxr lank; dh i}fr ds v/khu lsokvksa dks [HkkM+s ij ysrk gS ;k miHkksx djrk gS] ,slh lsokvksa dk dksbZ fgrkf/kdkjh Hkh gS tc ,slh lsokvksa dk mi;ksx izFke of.kZr O;fDr ds vuqeksnu ls fd;k tkrk gS [fdUrq blesa ,slk O;fDr 'kkfey ugha gS] tks fdlh okf.kfT;d iz;kstu ds fy, ,slh lsok izkIr djrk gSA] Li"Vhdj.k & [bl [k.M ds iz;kstuksa ds fy, **okf.kfT;d mn~ns';** esa Lojkstxkj lk/ku }kjk mlds vkthfodk miktZu ds ,dek= mn~~ns'; ds fy, mlds }kjk dz; fd, x;s vkSj mi;ksx fd, x;s eky vkSj mlds }kjk izkIr lsok ds O;fDr }kjk iz;ksx 'kkfey ugha gSA] 14- miHkksDrk laj{k.k vf/kfu;e] 1986] dh /kkjk&2 ¼1½ ¼vks½ esa lsok dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj & **¼vks½ **lsok** ls fdlh Hkh o.kZu dh dksbZ lsok vfHkizsr gS tks mlds izR;kf'kr 1{iz;ksxdrkZvksa dks miyC/k djkbZ tkrh gS vkSj blds vUrxZr lfEefyr gS} cSaddkjh] foRriks"k.k] chek] ifjogu] izlaLdj.k] fo|qr ;k vU; mtkZ ds iznk; cksMZ ;k fuokl ;k nksuksa] 2 {x`g fuekZ.k]} euksjatu] vkeksn&izeksn ;k lekpkjksa ;k vU;
// 17 // tkudkjh igaqpkus ds laca/k esa lqfo/kkvksa dk izca/k Hkh gS] fdUrq ;g bl izko/kkuksa rd lhfer ugha gS ijUrq blds vUrxZr fu%'kqYd ;k O;fDrxr lsok lafonk ds v/khu lsok dk fd;k tkuk 'kkfey ugha gS;** 15- bl izdj.k esa mHk;i{k }kjk Policy Schedule Cum Certificate of Insurance Commercial Vehicle Package Policy izLrqr fd;k x;k gS rFkk mDr ikWfylh dks vukosnd dz-1 }kjk Lohdkj fd;k x;k gSA ikWfylh ds vuqlkj okgu dk chfer ewY; 15]00]000@&¼iUnzg yk[k :Ik;s½ fu/kkZfjr fd;k x;k gS vkSj ;g ikWfylh Commercial Vehicle Package Policy ds :Ik esa tkjh fd;k x;k gSA 16- The Divisional Manager, L.I.C. vs. Shri Bhavanam Srinivas Reddy, 1991 (2) CPR 144 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. The first point of objection raised by the Insurance Company before the State Commission and reiterated before us namely is that no dispute arising out of a contract of insurance can be made subject matter of adjudication under the Consumer Protection Act. This contention cannot be sustained in view of decision of this Commission dated July 28, 1989 in Shri Umedilal Aggarwal v. United India Assurance Company Ltd., F.A. Nos.3 and 4 of 1989 (Reported in I (1991) CPJ-3, 1991 (1) CPR 217 (NC), wherein we have held as follows :-
"We find no merit in the contention put forward by the insurance company that a complaint relating to the failure on the part of the insurer to settle the claim of the insured within a reasonable time and the prayer for the grant of compensation in respect of such delay will not fall within the jurisdiction of the Redressal Forums constituted under the Consumer Protection // 18 // Act. The provision of facilities in connection with insurance has been specifically included within the scope of the express 'service' by the definition of the said word contained in Section 2(i)(o) of the Act. Our attention was invited by Mr. Malhotra, learned counsel for the Insurance Company to the decision of the Queen's Bench in National Transit Insurance Company Ltd. vs. Customs and Central Excise Commissioner, (1975) (1) all England Reports Page 303) The observations contained in the said judgment relating to the scope of the expression 'insurance' occurring the schedule of the enactment referred to therein are of no assistance at all to us in this case because the context in which the expression is used in the English enactment considered in the case is entirely different. Having regard to the philosophy of the Consumer Protection Act and its avowed object of providing cheap and speedy redressal to consumers affected by the failure on the part of persons providing "service" for a consideration, we do not find it possible to hold that the settlement of insurance claims will not be covered by the expression "insurance" occurring in Section 2(1)(d). Whenever there is a default or negligence in regard to such settlement of an insurance claim that will constitute a 'deficiency' in the service on the part of the Insurance company and it will be perfectly open to the concerned aggrieved consumer to approach the Redressal Forums under the Act seeking appropriate relief. We, accordingly over the objection raised by the Insurance Company regarding the jurisdiction of the State Commission to adjudicate upon the complaint.
17. The Divisional Manager, L.I.C. vs. Uma Devi, 1991 (1) CPR 662 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. The very fact that the Insurance Act provides for a machinery for remedy for grievances arising out of repudiation of a claim under // 19 // section 45 leads to show that the Corporation has to satisfy a Court that the repudiation was justified. Accordingly, it is for the consumer to choose a forum convenient to him to seek remedy for the loss suffered because of deficiency in service. As the provisions of this Act are in addition to and not in derogation of any other law for the time being in force, the State Commission has the jurisdiction to entertain the complaint and to investigate whether the repudiation was justified or not and to grant such relief as deems fit if it is satisfied that there was deficiency in service. We therefore, cannot uphold this contention in view of the decision of this Commission in Revision Petition No.12 of 1990 (New India Assurance Co. Ltd. v. Vipro Electronics Pvt. Ltd., 1991 (1) C.P.R. (NC) 531, where the identical point has been elaborately discussed".
18. The New India Assurance Co. Ltd. vs. M/s Vipro Electronics Pvt. Ltd., 1991 (1) C.P.R. (N.C.) 531, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "We are not impressed with the contention raised by Shri S.K. Paul, learned counsel appearing on behalf of the Petitioner that merely because of Insurer had totally repudiated his liability in respect of the claim, no proceedings could be validly initiated under the Consumer Protection Act by the insurer. This contention squarely falls within the ruling given by this Commission in Ummedilal Agrawal v. United India Assurance Co. Ltd. (O.P.No.3 & 4 of 1989, decided on 28.7.1989". In that decision this Commission has observed that it is not possible to hold that settlement of a disputed insurance claim will not be covered by the expression "service" occurring in Section 2(d) of the Act. It was laid down that whenever there is default or negligence in regard to service that will constitute "deficiency in service" on the part of the insurer and it is perfectly open to the aggrieved party for seeking appropriate relief under the Act.
// 20 // In the result, the Revision Petition has no merits and it is accordingly dismissed".
19. M/s. Harsolia Motors vs. M/s. National Insurance Co. Ltd. & Ors. 2005 (1) CPR 1 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "13. In Halabury's Laws of England Vol. 25, 4th Edition, the origin and common principles of insurance is discussed and in paragraph 3 it has been discussed and in paragraph 3 it has been mentioned that it is based on principle of indemnity. Thereafter, relevant discussion is to the effect that most of contract of insurance belong to general category of contracts of indemnity. In the sense that insurers' liability is limited to the actual loss which is , in fact, proved. The contract is one of indemnity and, therefore, insured can recover the actual amount of loss and no more.
14. In this view of the matter, taking of the insurance policy is for protection of the interest of the assured in the articles or goods and not for making any profit or trading for carrying on commercial purpose.
16. We would refer to few relevant judgments :
In Regional Provident Fund Commissioner vs. Shiv Kumar Joshi, (2000) 1 SCC 98, the Court elaborately considered the provisions of Sections 2(1)(d) and 2(1)(o) as well as earlier decisions and held that :-
"The combined reading of the definitions of 'consumer' and 'service' under the Act and looking at the aims and object for which the Act was enacted, it is imperative that the words "consumer" and "service" as defined under the Act should be construed to comprehend consumer and services of commercial and trade-oriented nature only. Thus any person who is // 21 // found to have hired services for consideration shall 'be deemed to be a consumer notwithstanding that the services were in connection with any goods or their user. Such services may be for any connected commercial activity and may also relate to the services as indicated in Section 2(1)(o) of the Act."
The aforesaid ratio makes it abundantly clear that the services may be for any connected commercial activity, yet it would be within the purview of the Act."
20- bl izdkj Li"V gS fd ifjoknh us tks ikWfylh izkIr fd;k gS og vius dz; fd, x, okgu ds fgr dks lqjf{kr j[kus ds fy, fy;k gS u fd vk; vftZr djus ds iz;kstu ls vkSj tks ifjoknh ,oa vukosnd dz-1 ds chp lafonk gS og {kfriwj.k (Indemnification) lafonk gS vkSj ,slh fLFkfr esa ifjoknh] vukosnd dz-1 dk **miHkksDrk** gS vkSj vukosnd dz-1 mldk **lsok iznkrk** gSA 21- vc ;g ns[kuk gS fd D;k ifjoknh] ifjokn&i= esa of.kZr vuqlkj vuqrks"k izkIr djus dk vf/kdkjh gS\ 22- ifjoknh }kjk tokcnkjh i=] fcdzh jlhn] fMyhojh uksV izLrqr fd;k x;k gS vkSj lkFk esa okgu fcdzh dk bdjkjukek izLrqr fd;k gS] mls ns[kus ls Li"V gS fd ifjoknh us okgu dks fnukad&23-10-2013 dks 15]60]000@&¼iUnzg yk[k lkB gtkj :Ik;s½ esa dz; fd;k Fkk rFkk ifjoknh }kjk tks lfVZfQdsV vkWQ jftLVªs'ku izLrqr fd;k x;k gS mlds vuqlkj ifjoknh nq?kZVukxzLr okgu dzekad&lh-th- 05 Mh@1258 dk iathd`r Lokeh gSA 23- vukosnd dz-1 dh vksj ls tks bafM;k eksVj VsfjQ izLrqr fd;k x;k gS mlesa Msfizfl,'ku dkVus dk mYys[k gS ftlds lsD'ku&1 esa Loss of or Damage to the Vehicle Insured esa fdl izdkj dk Msfizfl,'ku // 22 // fd;k tkuk gS mldk mYys[k fd;k x;k gS vkSj lkFk esa Insured Declared Value Hkh fu/kkZfjr fd;s tkus dk mYys[k gS tks bl izdkj gS%& Age of Vehicle % of Depreciation Not Exeeding 6 months ......... Nil Exceeding 6 months but not exceeding 1 years ..... 5% Exceeding 1 years but not exceeding 2 years ..... 10% Exceeding 2 years but not exceeding 3 years ..... 15% Exceeding 3 years but not exceeding 4 years ..... 25% Exceeding 4 years but not exceeding 5 years ..... 35% Exceeding 5 years but not exceeding 10 years ..... 40% Exceeding 10 years ..... 50% SUM INSURED- INSURED'S DECLARED VALUE (IDV) THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE AGE OF THE VEHICLE % OF DEPRECIATION FOR FIXING IDV Not Exeeding 6 months 5% Exceeding 6 months but not exceeding 1 year 15 % Exceeding 1 Year but not exceeding 2 years 20 % Exceeding 2 Years but not exceeding 3 years 30 % Exceeding 3 Years but not exceeding 4 years 40 % Exceeding 4 Years but not exceeding 5 years 50 % blds ifj'khyu ls Li"V gS fd ftl le; Insured Declared Value fudkyk tkosxk ml le; okgu esa vuqlwph esa tks Insured Declared Value fn;k x;k gS mlds vuqlkj dVkSrh djus ds Ik'pkr~ okgu dk chfer ewY; fu/kkZfjr fd;k tkosxk vkSj bl izdj.k esa vukosnd dz-1 }kjk okgu dk chfer ewY; 15]00]000@&¼iUnzg yk[k :Ik;s½ fu/kkZfjr fd;k x;k gS vkSj mDr chfer ewY; vukosnd dz-1 }kjk Lohdkj fd;k x;k gSA ,slh fLFkfr esa ;g ekuk tkosxk fd vukosnd dz-1 us okgu dk ewY; tks // 23 // 15]00]000@&¼iUnzg yk[k :Ik;s½ fu/kkZfjr fd;k x;k gS] mls Lohdkj fd;k gS vkSj ,slh fLFkfr esa mldk ewY; fu/kkZfjr fd;s tkus ds le; iqu% Msfizfl,'ku dkVs tkus dk dksbZ iz'u mRiUu ugha gksrk gSA 24- ifjoknh dh vksj ls ;g crk;k x;k gS fd fnukad&25-02-2014 dks okgu nq?kZVukxzLr gqvk Fkk ftlesa vkx yx xbZ FkhA ifjoknh dh vksj ls fyf[kr fjiksVZ fnukad&25-02-2014 izLrqr fd;k x;k gS tks fd Fkkuk izHkkjh] fljfxV~Vh fcykliqj dks fn;k x;k gS vkSj ftl ij Fkkus dh ikorh ,oa xksy lhy yxh gqbZ gS vkSj gLrk{kj gS ftlds ifj'khyu ls Li"V gS fd ?kVuk dh lwpuk ifjoknh }kjk lacaf/kr Fkkus dks nh xbZ gSA ifjoknh dh vksj ls vuqyXud&16 tks fd izFke lwpuk izfrosnu dh Nk;kizfr gS] izLrqr fd;k x;k gS ftlesa ?kVuk fnukad&25-02-2014 ds nksigj 12%10 cts mYysf[kr gS vkSj bl izdkj ifjoknh }kjk rRdky ?kVuk dh lwpuk nh xbZ gS vkSj izFke lwpuk&i= esa ifjoknh us ;g Li"V :Ik ls ntZ djk;k gS fd okgu ds leus dk fgLlk {kfrxzLr ,oa ty pqdk gS] okgu dk dkxtkr Hkh ty pqdk gSA vukosnd dz-1 dh vksj ls izn'kZ vks-ih1&3 izLrqr fd;k x;k gS tks fd bathfu;j ,- fprk jatu ik=ks dk fjiksVZ gS vkSj bl fjiksVZ esa dsfcu] psfpl] baftu] yksM ckWMh dk tyuk crk;k x;k gS vkSj mlds Ik'pkr~ vukosnd dz-1 }kjk Jh mRd"kZ f'kaXosdj dks losZ;j fu;qDr fd;k x;k Fkk vkSj mlus izn'kZ vks- ih-1&8 dh fjiksVZ fn;k gS vkSj mlus Hkh viuh fjiksVZ esa ;g mYysf[kr fd;k gS fd%& "On initial inspection the vehicle was observed with its cowl and cabin assy. Badly burnt to a skeleton including all its fitments. The engine tappet cover, radiator, intercooler, pulley, fuel pump, turbo charger, air governor, self, alternator were the major parts of the engine assy. which were badly damaged/burnt/melted due to the immense generated heat alongwith the pipe lines. The Chassis front portion was bent and buckled due to the impact and also was sagged due to the heat and flames. Diesal tank, steering box, battery, front tyres, // 24 // shockups, foundation, hoses, engine hood, fan, belts were the othe major parts seen damaged. The Insured demanded for a complete new engine assy and a new chassis frame. During the course of discussions he had expressed his inability to spend a heavy amount involved in the repairs and was finally convinced for a second hand engine assy. and the Chassis to be repaired with required strapping to improve its strength. Even after a span of 08 months the Insured had not been able to repair the vehicle. However, the details of assessment are as under. The Insured submitted a quotation of an authorized dealer but the rates considered are the prevailing market rates as the vehicle is being repaired outside."
bl izdkj ;g Li"V gS fd ifjoknh dk okgu yxHkx ty pqdk Fkk vkSj tks fd iw.kZ {kfr dh Js.kh esa vkrk gSA 25- losZ;j fjiksVZ ds ifj'khyu ls ;g izdV gksrk gS fd losZ;j }kjk ckj&ckj ifjoknh dks lsd.M gSaM ikVZ~l yxokus dh le>kbZ'k fn;k Fkk vkSj mlh le>kbZ'k dh otg ls ifjoknh ls lsd.M gSaM ikVZ~l ls ejEer djkus dh lgefr fn;k Fkk vkSj bu ifjfLFkfr;ksa esa losZ;j us tks vkadyu fd;k gS og lsd.M gSaM ikVZ~l ds vk/kkj ij vkadyu fd;k gS vkSj ,slh fLFkfr esa 4]36]800@&¼pkj yk[k NRrhl gtkj vkB lkS :Ik;s½ {kfr dk vkadyu fd;k gSA losZ;j fjiksVZ ls Li"V gS fd losZ;j us viuh fjiksVZ esa ;g rks fu/kkZfjr fd;k gS fd okgu ds baftu] psfpl] jsfM;sVj] baVjdqyj] ¶;wy iai vkfn iw.kZ :is.k ty pqdk Fkk rFkk losZ;j fjiksVZ ls ;g Hkh izdV gksrk gS fd losZ;j us ifjoknh dks okgu dk ejEer lsd.M gSaM ikVZ~l ds ek/;e ls djkus ds fy, le>kbZ'k fn;k FkkA blls izdV gksrk gS fd ifjoknh losZ;j ds }kjk ckj&ckj dgus ij gh lsd.M gSaM ikVZ~l ds }kjk vius okgu dk ejEer djkus dh lgefr fn;k gSA 26- losZ;j mRd"kZ f'kaXosdj us viuh fjiksVZ ds ist dzekad&5 esa tks {kfr dk fu/kkZj.k fd;k gS mlesa gj {kfr dk fu/kkZj.k lsd.M gSaM ikVZ~l // 25 // ds vk/kkj ij fd;k gSA losZ;j us tks ,M yscj pktsZl dk tks dkWye cuk;k gS mldh dafMdk&8 ls 11 lHkh esa lsd.M gSaM ikVZ~l }kjk ejEer djk;s tkus dk mYys[k fd;k gS vkSj blls Li"V gS fd losZ;j us tks {kfr dk vkadyu fd;k gS og lsd.M gSaM ikVZ~l ds vk/kkj ij fd;k gS vkSj bu lc ifjfLFkfr dk ns[krs gq, losZ;j }kjk fu/kkZfjr {kfr dk vkadyu Lohdkj ;ksX; ugha gS vkSj ,slh fLFkfr esa vukosnd dz-1 us tks nks U;k; n`"Vkarksa dk Åij voyacu fy;k gS mldk ykHk bl izdj.k esa vukosnd dz-1 dk ugha feyrk gSA 27- vukosnd dz-1 dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd ifjoknh }kjk nLrkost izLrqr ugha fd;k x;k gS vkSj blfy, nkos ds fujkdj.k esa foyac gqvk gSA vukosnd dz-1 dk mDr rdZ Hkh Lohdkj ;ksX; ugha gSA vukosnd dz-1 us vuqyXud&19 fnukad&28-05-2014 ,oa vuqyXud&20 fnukad&28-05-2014 dk voyacu fy;k gS ftlds vk/kkj ij ;g crkus dk iz;kl fd;k x;k gS fd ,fLVesV foyac ls tek fd;k x;k gS vkSj bl foyac ds laca/k esa ifjoknh us tks Li"Vhdj.k fn;k gS og larks"kizn ugha gSA blls Li"V gS fd losZ;j mRd"kZ f'kaXosdj dks losZ;j fu;qDr fd;k x;k Fkk vkSj mRd"kZ f'kaXosdj us viuh fjiksVZ esa crk;k gS fd mls fnukad&27-05-2014 dks vkns'k izkIr gqvk Fkk vkSj fnukad&28-05- 2014 dks mlus fujh{k.k fd;k Fkk ijUrq mRd"kZ f'kaXosdj us viuh fjiksVZ fnukad&14-01-2015 dks izLrqr fd;k gSA bl izdkj tks fjiksVZ gS og vR;f/kd foyac ls izLrqr fd;k x;k gS rFkk vukosnd dz-1 }kjk losZ;j dks fnukad&26-11-2014 rFkk fnukad&12-12-2014 dks tks i= fy[kk x;k Fkk vkSj mlds ckn losZ;j }kjk fjiksVZ izLrqr fd;k x;k gS vkSj ,slh fLFkfr esa ;g ugha dgk tk ldrk fd ifjoknh }kjk nLrkost izLrqr djus esa foyac fd;k x;k gS ftlds dkj.k ls nkos dk fujkdj.k le; ij ugha gks ldk gSA // 26 // 28- vukosnd dz-1 dh vksj ls ifjoknh dks tks i= Hkstk x;k gS mlesa ifjoknh dks funsZf'kr fd;k x;k Fkk fd og fof/kor~ gLrk{kfjr fMLpktZ OgkÅpj izLrqr djsA vukosnd dz-1 us vius fyf[kr dFku dh dafMdk&6 ds i`"B dzekad&5 esa Hkh ;g mYysf[kr fd;k gS fd Dyse izksfltj esU;qvy ds izko/kku ds vuqlkj ejEer laca/kh vly fcy] vius cSad [kkrs dk bZ- lh- ,l- fooj.k rFkk fMLpktZ OgkÅpj gLrk{kfjr dj chek daiuh dks miyC/k djk,xkA tgka rd Dyse izksfltj esU;qvy dk laca/k gS] mlesa fMLpktZ OgkÅpj gLrk{kfjr dj ekax fd;s tkus dk dksbZ izko/kku ugha gS vkSj dksjs fMLpktZ OgkÅpj izLrqr djus ds fy, ck/; djuk ,d izdkj ls mRihM+u@voihM+u (coercion) ,oa vlE;d vlj (undue infuence) dh Js.kh esa vkrk gSA 29- Worldfa Exports Pvt. Ltd. Vs. United India Insurance Co. Ltd.
(supra) esa fnYyh mPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Unfair trade practice - withholding of admitted amount by Insurance Companies unless discharge is given- Deficiency in service under Section 2 (1) (g) of Consumer Protection Act- Insistence of Insurance Company to sign discharge voucher of full and final settlement before release of admitted claim amounts to coercion and undue influence under Sections 15 and 16 of Contract Act- Such contracts are voidable under Sections 19 and 19A of Contract Act- There is no clause in insurance policy that amount assessed by Insurance Company shall not be paid unless complete discharge is given- No law permits Insurance Company to withhold payment of admitted amount unless receipt of full and final settlement issued by insured- IRDA has set the controversy at rest by issuing circular dated 24.09.2015- All Insurance Companies are bound to comply with circular issued by IRDA and shall not insist on discharge voucher for releasing admitted amount."
30- bl izdj.k esa vukosnd dz-1 }kjk dsoy fMLpktZ OgkÅpj gLrk{kj dj ekax fd;k x;k gS ijUrq vukosnd dz-1 }kjk ifjoknh ds nkos // 27 // dk fujkd.k] {kfriwfrZ dk fu/kkZj.k fdruh lhek rd fd;k gS] bldk mYys[k ugha gSA ;fn vukosnd dz-1 losZ;j dh fjiksVZ dks Lohdkj ;ksX; ik;k Fkk rks vukosnd dz-1 dk drZO; Fkk fd og losZ;j fjiksVZ ds lkFk ifjoknh dks lwfpr djrk fd losZ;j us {kfr dk vkadyu tks fd;k gS mDr jkf'k dks ;fn ifjoknh Lohdkj djrk gS rks rRlaca/k esa fMLpktZ OgkÅpj gLrk{kfjr dj izsf"kr djs ijUrq bl izdkj dh dksbZ dk;Zokgh vukosnd dz-1 }kjk ugha fd;k x;k gS vkSj dksjs fMLpktZ OgkÅpj ij gLrk{kj dj fMLpktZ OgkÅpj dh ekax fd;k x;k gS tks fd fuf'pr gh mRihM+u vkSj vlE;d vlj dh Js.kh esa vkrk gS vkSj tks fd O;olkf;d dnkpj.k gSA 31- losZ;j fjiksVZ ds vuqlkj gh ;g izrhr gksrk gS fd ifjoknh dk okgu iw.kZ :is.k py pqdk Fkk vkSj dsoy lsd.M gSaM ikVZ~l cnyus ds vk/kkj ij gh {kfr dk vkadyu fd;k x;k vkSj bl izdkj losZ;j us tks {kfr dk vkadyu fd;k gS og Lohdkj ;ksX; ugha gS vkSj pwafd okgu VksVy ykWl dh Js.kh esa vkrk gS blfy, ifjoknh tks okgu dk chfer ewY; gS mldk 75 izfr'kr jkf'k {kfriwfrZ ds :Ik esa izkIr djus dk vf/kdkjh gSA okgu dk chfer ewY; 15]00]000@&¼iUnzg yk[k :Ik;s½ gS ftldk 75 izfr'kr 11]25]000@&¼X;kjg yk[k iPphl gtkj :Ik;s½ gksrk gS vkSj ogh jkf'k ifjoknh izkIr djus dk vf/kdkjh gSA 32- ifjoknh us ekufld ihM+k ds fy, 5]00]000@&¼ikap yk[k :Ik;s½ dh ekax fd;k gS tks Lohdkj ;ksX; ugha gSA pwafd ifjoknh dks okgu ds chfer ewY; dk 75 izfr'kr jkf'k fnyk;k x;k gS] vr% ifjoknh dks i`Fkd ls ekufld ihM+k ds fy, dksbZ jkf'k fnyk;k tkuk mfpr ugha gksxkA ifjoknh us 18 izfr'kr okf"kZd C;kt dh nj ls C;kt dh ekax fd;k gS tks Lohdkj ;ksX; ugha gSA ifjoknh dks tks {kfriwfrZ jkf'k fnyk;k tk jgk gS ml ij ifjoknh ifjokn izLrqfr fnukad ls jde dh vnk;xh fnukad rd // 28 // 09 izfr'kr okf"kZd dh nj ls C;kt ikus dk vf/kdkjh gSA ifjoknh us vukosnd dz-2 ls Hkh ekufld ihM+k ,oa larki gsrq jkf'k fnyk;s tkus dh ekax fd;k gSA pwafd vukosnd dz-2 Qk;usa'kj gS vkSj mlds }kjk fdlh izdkj ls nkos ds fujkdj.k esa foyac dkfjr djuk ;k fujkdj.k esa O;o/kku Mkyuk lkfcr ugha gksrk gSA ,slh fLFkfr esa vukosnd dz-2 ls ifjoknh fdlh izdkj dk vuqrks"k ikus dk vf/kdkjh ugha gSA 33- mijksDr foospuk ds ifjizs{; esa ifjoknh dk ifjokn vkaf'kd :i ls Lohdkj fd;k tkrk gS vkSj ;g vknsf'kr fd;k tkrk gS fd%& 01- vukosnd dz-1] ifjoknh dks {kfriwfrZ ds :Ik esa 11]25]000@&¼X;kjg yk[k iPphl gtkj :Ik;s½ vkns'k fnukad ls 45 fnol ds Hkhrj vnk djsxkA 02- vukosnd dz-1 mDr jkf'k&11]25]000@&¼X;kjg yk[k iPphl gtkj :Ik;s½ ij ifjokn izLrqfr fnukad&20-01-2015 ls jde dh vnk;xh fnukad rd 09 izfr'kr okf"kZd C;kt dh nj ls C;kt Hkh ifjoknh dks vnk djsxkA 03- vukosnd dz-1] ifjoknh dks 5]000@&¼ikap gtkj :Ik;s½ okn O;; ds :Ik esa Hkh vnk djsxkA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼lqJh fguk BDdj½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL;k lnL; lnL;
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