State Consumer Disputes Redressal Commission
The Oriental Insurance Co.Ltd. vs Ram Prasad Khunte on 5 November, 2015
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh f'kf'kj HkaMkjdj] vf/koDrkA mRrjoknh dh vksj ls Jh lat; frokjh] vf/koDrkA vkns'k fnukad% 05@11@2015 }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] jk;x<+ ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&105/2014 jkeizlkn [kawVs fo:) 'kk[kk izca/kd] fn vksfj,aVy ba';ksjsal daiuh fyfeVsM ,oa ,d vU; esa ikfjr // 2 // vkns'k fnukad&19-05-2015 ftlds n~okjk mRrjoknh@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, vknsf'kr fd;k x;k gS fd%& **v- vukosndx.k@fo:) ikVhZx.k] vkosnd@ifjoknh dks 82]157@&¼c;klh gtkj ,d lkS larkou :Ik;s½ ,d eghus ds Hkhrj Hkqxrku djsaxsA c- vukosndx.k@fo:) ikVhZx.k] vkosnd@ifjoknh dks ekufld {kfriwfrZ 10]000@&¼nl gtkj :Ik;s½ rFkk okn O;; 2]000@&¼nks gtkj :Ik;s½ Hkh Hkqxrku djsaxsA** ls nqf[kr gksdj izLrqr fd;k gSA 02- ftyk Qksje ds le{k mRrjoknh@ifjoknh dk ifjokn la{ksi esa bl izdkj jgk gS fd mRrjoknh@ifjoknh }kjk dz;'kqnk iathd`r eky okgd gYdk ;ku efgUnzk ,.M efgUnzk daiuh fyfeVsM }kjk fufeZr o"kZ 2009 Mhty pfyr lQsn jax eSDl fidvi iath;u dz-&lh-th-13 Mh@3416 dk chek vihykFkhZ@vukosnd dz-1 }kjk fnukad&12-03-2012 dks chek vof/k fnukad&13-03-2012 ls fnukad&12-03-2013 rd dh vof/k ds fy, fd;k tkdj chek ikWfylh dOgj uksV dz-193400450200 ,oa ikWfylh dz-& 193400@31@2012@2703 tkjh fd;k x;k FkkA mRrjoknh@ifjoknh dh mijksDr iz'uk/khu okgu dh cktkj dher dk vkadyu vihykFkhZ@ vukosnd dz-1 ds }kjk 2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ fd;k tkdj nq?kZVuk tksf[ke chek lsok Lo:Ik 14]369@&¼pkSng gtkj rhu lkS mugRrj :Ik;s½ vihykFkhZ@vukosnd dz-1 }kjk mRrjoknh@ifjoknh ls izkIr fd;k x;k FkkA mRrjoknh@ifjoknh dh iz'uk/khu okgu dks fnukad&08-12-2012 dks okgu pkyd uUnjke lksuh mlds ikfjokfjd lnL;ksa] fj'rsnkjksa ,oa ifjfprksa dks xzke dkSrck ds lehiLFk xzke ydM+keqM+k ls Jh panzgkfluh nsoh eafnj ls eUur&eukSrh dh iwtk vpZuk djds okil x`g xzke ykSV jgk Fkk rHkh LFkkuh; twV fey ckW; ikl ekxZ jk;x<+ esa xzke dksleukjk ckck lR;ukjk;.k /kke ds fudV igqaprs gh // 3 // lkeus ls rst j¶Qkj ykijokgh] vlko/kkuh ,oa mrkoysiu ls vk jgh vU; fidvi okgu dz- lh-th-13Mh@9419 ds pkyd us lh/ks tcZnLr Bksdj ekjdj nq?kZVuk dkfjr dj fn;k ftlls mRrjoknh@ifjoknh dh okgu gok esa Åaph mNy xbZ vkSj okgu ds ij[kPps mM+ x;s vkSj okgu ls ykSV jgs ifjtuksa] ifjfprksa ,oa fj'rsnkjksa esa ls 04 O;fDr;ksa dh mDr nq?kZVuk LFky ij gh e`R;q gks xbZ rFkk vk/kk ntZu yksx t[eh@?kk;y gks x;sA mDr nq?kZVuk dh izFke lwpuk&i= vkj{kh dsUnz dksrjk jksM] jk;x<+ esa ntZ djkbZ xbZ Fkh tgka vijk/k dz-&251@2012 iathc) fd;k x;k Fkk vkSj mDr vijk/k esa nq?kZVukxzLr okgu dks lacaf/kr iqfyl }kjk tIr fd;k x;k Fkk ftlls mDr tIr'kqnk okgu U;k;ky; U;kf;d eftLVsªV izFke Js.kh jk;x<+ }kjk ikfjr lqiqnZukek vkns'k fnukad&18-12-2012 dks mRrjoknh@ifjoknh dks lqiqnZxhukek esa nh xbZ FkhA okgu ds nq?kZVukxzLr gksus dh tkudkjh vihykFkhZ@vukosnd dz-1 ds dk;kZy; esa fof/kor~ fnukad&18-12-2012 dks izsf"kr dh xbZ rc vukosndx.k chek daiuh ds losZ;j }kjk okgu laca/kh izkjafHkd tkap mijkar mlesa vko';d ejEer@ fjis;fjax ,oa dyiqtsZ] jn~nkscny djkus ds fy, funsZf'kr fd;k x;k rc mRrjoknh@ifjoknh }kjk mDr okgu dks vU; okgu ls Vkspu dj x`g xzke iRFkyxkao ys x;k tgka eksVj xSjst esa okgu dh ejEer ,oa dyiqtksZa dks jn~nkscny djok;k x;kA mRrjoknh@ifjoknh }kjk mDr okgu ds laca/k esa {kfriwfrZ dk nkok vkosnu e; ewy ns;dksa ,oa QksVksxzk¶l ds lkFk fnukad&14-03-2013 dks vihykFkhZ@vukosnd dz-1 ds dk;kZy; esa 1]09]543@&¼,d yk[k ukS gtkj ikap lkS frjkyhl :Ik;s½ dh /kujkf'k iznk; djus gsrq izsf"kr fd;k x;k ftls vihykFkhZ@vukosnd dz-1 }kjk cnfu;fr ,oa nqHkkZoukxzLr gksdj voS/k o vuqfpr :Ik ls fof/k foijhr gksdj {kfriwfrZ nkok vkosnu dks fiNyh fnukad&18-06-2013 esa fujLr fd;k tkdj mldk fujLrh i= mRrjoknh@ifjoknh dks fnukad&20-07- 2013 dks vR;f/kd foyac ls izsf"kr fd;k x;k tks fd vihykFkhZ@ vukosnd dh lsok esa deh o vuqfpr] voS/k O;kikfjd izFkk dks izdV // 4 // djrk gSA iz'uk/khu nq?kZVuk fnukad&08-12-2012 dks mRrjoknh@ifjoknh dh mDr okgu oS/k vuqKfIr/kkjh okgu pkyd }kjk pyk;h tk jgh Fkh ftls okgu iath;u vf/kdkjh }kjk oS/k okgu pkyd vuqKfIr iznku dh gSA mRrjoknh@ifjoknh dh okgu }kjk dksbZ vijkf/kd d`R; ugha fd;k gS vkSj uk gh iqfyl }kjk ;krk;kr fu;eksa ds mYya?ku dk dksbZ izdj.k mRrjoknh@ifjoknh dh okgu vFkok okgu pkyd uUnjke lksuh ds fo:) fufeZr fd;k x;k gSA iz'uk/khu {kfriwfrZ nkok fujLrh vkns'k ds tfj;s vihykFkhZ@vukosnd dz-1 dh vksj ls mRrjoknh@ifjoknh dks Li"Vhdj.k izLrqr djus ds fy, vknsf'kr fd;k x;k ftlls mRrjoknh@ ifjoknh }kjk fnukad&01-08-2013 dks viuk Li"Vhdj.k vihykFkhZ@ vukosnd dz-1 ds dk;kZy; esa izLrqr fd;k] ijUrq mDr Li"Vhdj.k ds mijakr Hkh dksbZ {kfriwfrZ jkf'k iznku ugha dh xbZ vkSj uk gh Li"Vhdj.k dks fujLr djus laca/kh lwpuk nh xbZ 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- [email protected] dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ifjokn&i= ds egRoiw.kZ vfHkopuksa dks vLohdkj djrs gq, ;g vfHkopu fd;k x;k gS fd mRrjoknh@ifjoknh }kjk dfFkr ?kVuk fnukad&08-12-2012 ds laca/k esa nkok izi= fnukad&14- 03-2013 dks is'k fd;k tkuk crk;k x;k gSA mRrjoknh@ifjoknh }kjk vR;ar foyac ls dk;Zokgh dh xbZ gSA mRrjoknh@ifjoknh us okgu ds iath;u dk nLrkost ,oa pkyd uUnjke lksuh dh okgu pkyu vuqKfIr dh izfr layXu dh FkhA mRrjoknh@ifjoknh dk okgu ykbZV xqM~l Oghdy gSA mRrjoknh@ifjoknh }kjk izLrqr uUnjke lksuh dh okgu pkyu vuqKfIr eksVj lkbZfdy foFk fx;j ,oa ykbZV eksVj Oghdy pkyu gsrq iznku dh xbZ gSA mRrjoknh@ifjoknh }kjk izLrqr dkxtkr vuqlkj mRrjoknh@ifjoknh ds mDr okgu dk pkyu djus gsrq okgu pkyd // 5 // uUnjke lksuh fof/kd vuqKk/kkjh ugha gSA [email protected] us vius i= fnukad&28-06-2013 vuqlkj mDr rF; ls mRrjoknh@ifjoknh dks lwfpr djrs gq, mlds }kjk izLrqr nkok ekU; ugha gksuk n'kkZ;k gS blds ckotwn [email protected] us O;kikfjd laca/kksa ds en~nsutj ,d volj mRrjoknh@ifjoknh dks iznku djrs gq, nks lIrkg ds Hkhrj mDr laca/k esa Li"Vhdj.k izLrqr djus gsrq dgk Fkk ftlds ckn Hkh mRrjoknh@ifjoknh }kjk mDr laca/k esa dksbZ Li"Vhdj.k izLrqr ugha fd;k x;kA mRrjoknh@ ifjoknh dks izkjaHk ls Kkr gS fd mlds okgu pkyd uUnjke lksuh ds ikl lacaf/kr okgu pkyu gsrq fof/kd ,oa izHkko'khy vuqKk ugha gS blds ckotwn mRrjoknh@ifjoknh }kjk mDr okgu pkyd ls okgu pkyu djok;k x;k gS rFkk fdlh izdkj ls okgu pkyd dh vuqKfIr dks fof/kd n'kkZus dk iz;kl fd;k tk jgk gSA [email protected] ds losZ;j }kjk okgu laca/kh izkjafHkd tkap mijkar mlesa vko';d ejEer@fjis;fjax ,oa dyiqtsZ jn~nkscny djkus dk u rks funsZ'k fn;k x;k gS vkSj u gh mRrjoknh@ifjoknh }kjk okgu dh ejEer esa 1]09]542@&¼,d yk[k ukS gtkj ikap lkS ca;kyhl :Ik;s½ dk O;; fd;k x;k gSA mRrjoknh@ifjoknh }kjk izLrqr leLr ejeEr fcy QthZ ,oa cukoVh gS ftudk okLrfodrk ls fdlh izdkj dk dksbZ laca/k ugha gSA mRrjoknh@ifjoknh }kjk okgu dks dkfjr okLrfod {kfr ds laca/k esa dksbZ lwpuk ,oa dkxtkr [email protected] dks ugha fn;s x;s gSa vkSj u gh ,fLVesV fn;k gSA mRrjoknh@ifjoknh }kjk eux<ar ,oa cukoVh rF;ksa dks vk/kkfjr dj] QthZ nLrkostksa ds vk/kkj ij okgu dks {kfr dkfjr gksuk] okgu dh ejEer djkuk ,oa 1]09]542@&¼,d yk[k ukS gtkj ikap lkS ca;kyhl :Ik;s½ O;; gksuk crk;k tk jgk gS tks fof/k vuqlkj ekU; fd;s tkus ;ksX; ugha gSA mRrjoknh@ifjoknh }kjk is'k nLrkostksa ls Li"V gS fd lacaf/kr ykbZV xqM~l Oghdy esa nks vknfe;ksa ds cSBus dk LFkku gS tcfd mRrjoknh@ifjoknh }kjk nks O;fDr;ksa dh txg 24 O;fDr;ksa dks cSBkdj okgu dk pkyu fd;k x;k gSA mRrjoknh@ifjoknh }kjk ftl // 6 // nkf.Md izdj.k dks vk/kkj cukdj vfHkopu fd;k x;k gS ,oa ftlds nLrkost izdj.k esa is'k fd, x, gSa] mls izdj.k esa bl izdkj okgu pkyu dk rFkk iqfyl }kjk xokg panu pkSgku] uanjke lksuh] panjke lksuh] ghjkyky ceZu o djewjke ds dFku ls Li"V gS ,oa mDr rF; dk dFku losZ;j Jh eqds'k xks;y vf/koDrk jk;x<+ dks Hkh mu iqfyl xokgksa }kjk fd;k x;k gS vkSj mRrjoknh@ifjoknh us tku&cw>dj bl rF; dks Nqik;k gSA mRrjoknh@ifjoknh }kjk chek ikWfylh dh 'krksZa dk mYya?ku fd;k x;k gS ,slh fLFkfr esa mRrjoknh@ifjoknh dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjokn fujLr fd;k tkosA 04- ftyk Qksje us mHk;i{k dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFk&i=ksa ds ifj'khyu Ik'pkr~ mRrjoknh@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gSA 05- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k HkkfV;k VªkaliksVZ dh jlhn fnukad&19-12-2012 (Annexure A-1)] f'ko 'kfDr VsªoYl ,aM VªkaliksVZ dk fcy fnukad&19-12-2012 (Annexure A-2)] nqxkZ QksVks LVwfM;ks dk fcy fnukad&20-12-2012 (Annexure A-3)] nqxkZ QksVks LVwfM;ks dk fcy fnukad&19-12-2013 (Annexure A-4)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&11-02-2013 (Annexure A-5)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&12-02-2013 (Annexure A-6)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&13-02-2013 (Annexure A-7)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&14-02-2013 (Annexure A-8)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&15-02-2013 (Annexure A-9)] fodkl eksVj xSjst dk fcy fnukad&15-01-2013 (Annexure A-10)] fodkl eksVj xSjst dk fcy fnukad&25-01-2013 (Annexure A-11)] jkaph vkWVks bysfDVªf'k;u dk fcy // 7 // fnukad&20-02-2013 (Annexure A-12)] ccyw MsafVax odZ'kkWi dk fcy fnukad&14-01-2013 (Annexure A-13)] lfVZfQdsV vkWQ jftLVªs'ku (Annexure B-1)] chek ikWfylh (Annexure B-2)] izFke lwpuk izfrosnu fnukad&08-12-2012 (Annexure B-3)] mRrjoknh@ifjoknh }kjk 'kk[kk izca/kd dks izsf"kr i= fnukad&18-12-2012 (Annexure B-4)] lqiqnZukek vkns'k fnukad&18-12-2012 (Annexure B-5)] uUn jke lksuh dk MªkbZfoax ykbZlsal (Annexure B-6)] jftLVªs'ku ikfVZdqylZ lfVZfQdsV (Annexure B-7)] mRrjoknh@ifjoknh }kjk 'kk[kk izca/kd dks izsf"kr i= fnukad&14-03-2013 (Annexure B-8)] vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&28-06-2013 (Annexure B-9)] mRrjoknh@ifjoknh }kjk ofj"B fMfotuy izca/kd dks izsf"kr i= fnukad&01-08-2013 (Annexure B-10)] vijk/k fooj.k QkeZ (Annexure B-11) rFkk vijk/k fooj.k (Annexure B-12) dh QksVks dkih izLrqr fd;k gSA 06- [email protected] dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vUos"kd eqds'k xks;y dk izfrosnu e; panu pkSgku] pUnjke lksuh] uUn jke lksuh] ghjkyky ceZu] djewjke dk c;ku dh QksVks dkih (Annexure -1) rFkk eqds'k xks;y dk 'kiFk&i= (Annexure -2)] eksVj nkok izi= (Annexure -1)] ccyw MsfVax odZ'kkWi dk fcy fnukad&23-12-2012 (Annexure -1 v)] ,fLVesV (Annexure -1 c)] fodkl eksVj xSjt dk fcy fnukad&23-12-2012 (Annexure -1 l ,oa n)] turk vkWVks bysfDVªf'k;u dk fcy (Annexure -1 bZ)] mRrjoknh@ifjoknh }kjk 'kk[kk izca/kd dks izsf"kr i= fnukad&14-03-2013 (Annexure -2)] HkkfV;k VªkaliksVZ dh jlhn fnukad&19-12-2012 (Annexure-2 v)] f'ko 'kfDr VsªoYl ,aM VªkaliksVZ dk fcy fnukad&19-12-2012 (Annexure-2 c)] nqxkZ QksVks LVwfM;ks dk fcy fnukad&20-12-2012 (Annexure-2 l)] nqxkZ QksVks LVwfM;ks dk fcy // 8 // fnukad&19-12-2013 (Annexure-2 n)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&11-02-2013(Annexure-2 bZ)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&12-02-2013 (Annexure-2 Q)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&13-02-2013 (Annexure-2 p)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&14-02-2013 (Annexure-2 N)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&15-02-2013 (Annexure-2 t)] fodkl eksVj xSjst dk fcy fnukad&15-01-2013 (Annexure-2 >)] fodkl eksVj xSjst dk fcy fnukad&25-01-2013 (Annexure-2 d)] jkaph vkWVks bysfDVªf'k;u dk fcy fnukad&20-02-2013 (Annexure-2 [k)] ccyw MsafVax odZ'kkWi dk fcy fnukad&14-01-2013(Annexure-2 x) rFkk QksVks xzk¶l dk vly izLrqr fd;k gSA 07- vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls vkns'k&41 fu;e&27 lh- ih- lh- dk vkosnu&i= izLrqr fd;k x;k gSA 08- geus vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls izLrqr vkosnu&i= varxZr vkns'k&41 fu;e&27 lh- ih- lh- ij mHk;{k dks lqukA 09- vkosnu&i= ij fopkj fd;kA 10- vihykFkhZ@vukosnd ba';ksjsal daiuh us losZ;j rq"kkj pkSgku ds losZ fjiksVZ dks izLrqr djuk pkgk gSA losZ;j dh fjiksVZ ,d egRoiw.kZ nLrkost // 9 // gksrk gS vkSj losZ;j }kjk tks {kfr fu/kkZj.k fd;k tkrk gS] og {kfriwfrZ fnykus ds fy, vk/kkj cuk;k tk ldrk gS] mls ns[krs gq, losZ fjiksVZ bl izdj.k ds okLrfod U;k; fu.kZ;u ds fy, vko';d nLrkost gSA ,slh fLFkfr esa vihykFkhZ@vukosnd ba';ksjsal daiuh }kjk izLrqr vkosnu&i= vkns'k&41 fu;e&27 lh- ih- lh- Lohdkj fd;k tkrk gS vkSj losZ fjiksVZ dks vihyh; voLFkk esa vfrfjDr lk{; ds :Ik esa vfHkys[k esa fy;k tkrk gSA 11- vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh f'kf'kj HkaMkjdj dk ;g rdZ gS fd ftyk Qksje }kjk ikfjr vkyksP; vkns'k fof/k foijhr vkns'k gS vkSj fujLrh ;ksX; gSA iz'uk/khu okgu esa] chek ikWfylh rFkk lfVZfQdsV vkWQ jftLVªs'ku esa tks cSBus dh {kerk fu/kkZfjr fd;k x;k gS mlls vf/kd yxHkx 24 ;kf=;ksa dks cSBkdj okgu pyk;k tk jgk Fkk tcfd iz'uk/khu okgu gYds Js.kh dk eky okgd ;ku Fkk vkSj ,slh fLFkfr esa eky okgd ;ku esa ;kf=;ksa dks yk;k ugha tk ldrk gS vkSj tcfd mDr okgu esa ;k=hx.k cSBs gq, FksA bl izdkj mRrjoknh@ifjoknh us chek 'krksZa dk mYya?ku fd;k gS rFkk eky okgd ;ku ds pkyd ds ikl MªkbZfoax ykbZlsal Hkh ugha Fkk vkSj nq?kZVuk ds le; pkyd ds ikl izHkko'khy MªkbZfoax ykbZlsal ugha Fkk rks ,slh fLFkfr esa ;g ekuk tkosxk fd mRrjoknh@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS vkSj bl izdkj chek 'krksZa dk mYya?ku gksus ls vekud ¼Non Standard Basis½ vk/kkj ij {kfriwfrZ jkf'k ugha fnyk;k tk ldrk gS vkSj ftyk Qksje us vekud ¼Non Standard Basis½ vk/kkj ij tks {kfriwfrZ jkf'k fnyk;k gS og =qfViw.kZ gSA vr% vihykFkhZ@vukosnd ba';ksjsal daiuh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls vius rdZ ds leFkZu esa New India Assurance Co. Ltd. Vs. // 10 // Ishwar Singh Rathore II (2015) CPJ 28 (NC), Iffco Tokio General Insurance Co. Ltd. Vs. Gaurav Bhargava II (2015) CPJ 196 (NC), United India Insurance Co. Ltd. Vs. D.A.V. Centenary Public School & Anr III (2015) CPJ 227 (NC), ,oa Sandeep Kumar Vs. Iffco Tokio General Insurance Company Ltd. & Anr. II (2014) CPJ 505 (NC) dk voyacu fy;k gSA 12- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh lat; frokjh dk ;g rdZ gS fd pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk vkSj Hkys gh fu/kkZfjr lhek ls vf/kd O;fDr okgu esa cSBs Fks] mlds vk/kkj ij ;g ugha dgk tk ldrk fd mRrjoknh@ifjoknh us chek 'krksZa dk mYya?ku fd;k gS vkSj blfy, mRrjoknh@ifjoknh vekud ¼Non Standard Basis½ vk/kkj ij {kfriwfrZ ikus dk vf/kdkjh gSA ftyk Qksje us mfpr :Ik ls {kfriwfrZ jkf'k iznku fd;k gSA vr% vihykFkhZ@vukosnd ba';ksjsal daiuh dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 13- geus mHk;i{k ds fo)ku vf/koDrkvksa dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 14- loZizFke ;g ns[kuk gS fd D;k okLro esa iz'uk/khu okgu ds pkyd ds ikl nq?kZVuk fnukad dks oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk\ mRrjoknh@ifjoknh dh vksj ls pkyd uan jke lksuh ds MªkbZfoax ykbZlsal dh Nk;kizfr izLrqr fd;k x;k gSA mDr MªkbZfoax ykbZlsal essa okgu dh Js.kh ,y-,e-Ogh-@eksVj lkbZfdy foFk fx;j dh fnukad&28-08-2009 ls fnukad&27-08-2029 rd ds fy, oS/k gksuk n'kkZ;k x;k gS vkSj ftls ukWu // 11 // VªkaliksVZ Oghdy ds fy, fnukad&27-08-2029 rd ds fy, oS/k gksuk crk;k x;k gS vkSj VªkaliksVZ ds fy, Valid Till fy[kk gqvk gSA 15- vc ;g ns[kuk gS fd D;k fdlh O;fDr ds ikl ,y- ,e- Ogh- pykus dk MªkbZfoax ykbZlsal gS ml MªkbZfoax ykbZlsal ds vk/kkj ij LGV ¼Light Goods Vehicle½ dks pykus ds fy, l{ke gS\ mRrjoknh@ifjoknh us vius ifjokn&i= dh dafMdk&1 esa ;g dFku fd;k gS fd og gYdk eky okgu ;ku efgUnzk ,aM efgUnzk daiuh dk dz; fd;k Fkk tks fd vihykFkhZ@vukosnd ba';ksjsal daiuh ds ikl chfer FkkA mRrjoknh@ifjoknh dh vksj ls lfVZfQdsV vkWQ jftLVªs'ku tks is'k fd;k x;k gS mlesa okgu dh Js.kh esa LGV ¼Light Goods Vehicle½ fy[kk gqvk gSA 16- /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 // 12 // 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 17- lfVZfQdsV vkWQ jftLVªs'ku ls Li"V gS fd okgu dzekad&lh-th- 13 Mh@3416 dk ynku jfgr Hkkj 1400 fdyks xzke vkSj ynku lfgr Hkkj 2300 fdyks xzke gS rFkk lfVZfQdsV vkWQ jftLVªs'ku ,oa ba';ksjsal ikWfylh ds ifj'khyu ls Li"V gS fd dfFkr okgu LGV ¼Light Goods Vehicle½ ds varxZr vkrk gSA pkyd uanjke lksuh dk MªkbZfoax ykbZlsal dh Nk;kizfr izLrqr fd;k x;k gS mlds vuqlkj og LMV ¼Light Motor Vehicle½ dks pykus ds fy, l{ke Fkk tcfd iz'uk/khu okgu LGV ¼Light Goods Vehicle½ gSA bl izdkj pkyd uanjke lksuh ds ikl tks MªkbZfoax ykbZlsal Fkk og LMV ¼Light Motor Vehicle½ dk Fkk u fd LGV (Light Goods Vehicle) pykus dkA 18- 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 // 13 // 31.10.2006 and by that time, necessary amendments in 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."
19- Sandeep Kumar Vs. Iffco Tokio General Insurance Company Ltd.
& Anr. (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "11. This Commission in the case of Mudipalli Ellappa Ravi v. M/s. Royal Sundram Alliance Insurance Co. Ltd., IV (2012) // 14 // CPJ 816 (SC)=revision petition No. 1272 of 2012 decided on 06.09.2012, held:
"We have heard Counsel for the petitioner and have considered her submissions. She only submits that the violation of the terms and conditions of the policy could be waived by the respondent Insurance Company and the claim could have been settled at least on non-standard basis, if not, as full claim going by the decision of Supreme Court in the case of Amlendu Sahoo v. Oriental Insuracne Co. Ltd., (decision dated 25.03.2010 in Civil Appeal No. 2703/2010). We have noted down these submissions only to be rejected because if the nature and kind of breach of the terms and conditions of the policy did not entitle the petitioner even the settlement of his claim even on non-standard basis. The breach being of fundamental in nature, we see no merit in these contentions. The order passed by the State Commision is justified on record and does not suffer from any illegality, material irregularity, much less any jurisdictional error, which warrants interference of this Commission. Dismissed."
13. In another case, National Insurance Co. Ltd. v. Prithipati Satthiyya and Ors. IV (2011) CPJ 133 (SC) = Revision Petition No.2717 of 2007, a Bench of this Commission, headed by Hon'ble Mr. Justice Ashok Bhan, held :
"The driver of the vehicle in question was holding a license to drive LMV only and there was no endorsement on the licence authorizing him to drive the taxi which was a transport vehicle to carry passengers. The Hon'ble Supreme Court in the judgment in the case of New India Assurance Co. Ltd. v. Prabhu Lal, I (2008) CPJ 1 (SC), held that if driver of the vehicle did not have a valid licence to drive the transport vehicle, the Insurance // 15 // Company is not liable to reimburse for the loss caused to the vehicle in the accident."
20- Åij foospuk ds ifjizs{; esa ;g Li"V gS fd ftl le; nq?kZVuk dkfjr gqvk ml le; pkyd uan jke lksuh ds ikl dsoy gYdk eksVj ;ku pykus ds fy, MªkbZfoax ykbZlsal FkkA LGV (Light Goods Vehicle) pykus ds fy, MªkbZfoax ykbZlsal ds laca/k esa dksbZ i`"Bkadu mlds MªkbZfoax ykbZlsal esa ugha FkkA bl izdkj nq?kZVuk fnukad dks pkyd uan jke lksuh ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA 21- bl izdj.k esa vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls nkok fujLr djus ds fy, ;g Hkh vk/kkj fy;k x;k gS fd iz'uk/khu okgu LGV (Light Goods Vehicle) Fkk vkSj mlesa dqy 02 O;fDr;ksa ds cSBus ds fy, izkf/kd`r fd;k x;k Fkk vkSj mlds LFkku ij nq?kZVuk ds le; okgu esa 24 O;fDr;kasa dks cSBkdj okgu dk pkyu fd;k tk jgk Fkk tks fd ikWfylh 'krksZa dk ?kksj mYya?ku gS vkSj blfy, vekud (Non Standard Basis) vk/kkj ij Hkh {kfriwfrZ ugha fnykbZ tk ldrh gS vkSj chek diauh us tks nkok dks fujLr fd;k gS mlesa fdlh izdkj dh lsok esa deh ugha gSA 22- mRrjoknh@ifjoknh us tks lfVZfQdsV vkWQ jftLVªs'ku izLrqr fd;k gS mlesa Hkh okgu dks LGV (Light Goods Vehicle) crk;k gS vkSj cSBus dh {kerk 1$1 vafdr gSA mRrjoknh@ifjoknh us eksVj ba';ksjsal lfVZfQdsV de ikWfylh 'ksM~;wy izLrqr fd;k gS ftlesa okgu dk jftLVªs'ku dzekad&lh-th- 13 Mh 3416 vkSj okgu ds izdkj esa eSDl fidvi mYysf[kr gS vkSj mlesa cSBus dh {kerk 2$1 mYysf[kr gSA bl izdkj Li"V gS fd tks okgu Fkk og eky okgu Fkk vkSj mlesa MªkbZOgj feykdj 03 O;fDr;ksa ds cSBus ds laca/k esa chek fd;k x;k FkkA vihykFkhZ@vukosnd // 16 // ba';ksjsal daiuh dh vksj ls Jh eqds'k xks;y buosLVhxsVj dh fjiksVZ ¼,usD'pj&1½ izLrqr fd;k x;k gS] ml fjiksVZ esa iqfyl fjiksVZ vkSj nLrkost ds vk/kkj ij ;g crk;k x;k gS fd fidvi okgu esa xuifr lrukeh] veksn ceZu] xksdqekj lnu pkSgku] calrhckbZ] uanjke lksuh] larks"k lrukeh] eksgu lrukeh] lksek: jke] xksfy;k vkfn 24 O;fDr lokj Fks ftlesa xuifr lrukeh] veksn ceZu] xksdqekj lnu pkSgku] calrhckbZ ,oa uanjke lksuh dks pksVsa vkbZ Fkh ,oa larks"k lrukeh] eksgu lrukeh] lksek: jke] xksfy;k dks ,DlhMsaV ls pksVsa vkus ij ekSds ij gh e`R;q gks xbZ gSA izFke lwpuk&i= dh izfrfyfi Hkh izdj.k esa is'k gS] blesa Hkh Åij of.kZr O;fDr;ksa dks pksVsa vkus ,oa e`R;q gksus dk mYys[k gSA uan jke lksuh dk c;ku Hkh izLrqr fd;k x;k gS vkSj ftlesa Hkh uan jke lksuh us ;g crk;k gS fd%& **okgu dzekad lh-th- 13 Mh 3416 dks pykrk gWaw fd fnukad&08-12- 2012 dks eSa dksrck ls vius ifjokj ds firkth djew HkkbZ pUnjke lksuh rFkk esjs thtkth ds ifjokj rFkk eksgYys ds cky&cPps lfgr 24 vkneh cSBdj esjs thtk ghjkyky pUnziqj esa cdjk ns jgk Fkk tks mlh ds fy;s lHkh yksx x;s FksA ogka ij cdjk cukdj [kkuk [kkdj okil 'kke dks vk jgs jk;x<+ ckck/kke jksM ds ikl lkeus rjQ ls fidvi dz-lh-th-13Mh 9419 ds pkyd rst ,oa ykijokgh iwoZd pykdj esjs fidvi dks Bksdj ekj fn;kA Bksdj ekus ls larks"k lskuh] lek:jke] eksgujke lksuh] x.kifr [kwaVs ,oa xqfy;k x<+ghu dk ,DlhMsUV ls QkSr gks x;k ,oa xkM+h esa cSBs esjs firkth] thtkth ,oa vU; yksxksa dks pksV yxk gSA fidvi dz-lh-th-13Mh 9419 ds pkyd rst ,oa ykijokgh iwoZd pykdj ,DlhMsUV djus ls QkSr gqvk gS rFkk pksVsa vkbZ gSA** bl izdkj pkyd uan jke lksuh us Lohdkj fd;k gS fd okgu esa nq?kZVuk ds le; 24 O;fDr cSBs gq, FksA blh izdkj ghjkyky ceZu] // 17 // djewjke ds c;ku ls Hkh Li"V gS fd okgu esa nq?kZVuk ds le; yxHkx 24 O;fDr cSBs gq, Fks vkSj bl izdkj mDr okgu esa ;kf=;ksa dk ifjogu fd;k tk jgk Fkk tcfd okgu esa cSBus dh {kerk 2$1 Fkk] mlds LFkku ij 24 ;kf=;ksa dks yk;k tk jgk FkkA 23- New India Assurance Co. Ltd. Vs. Ishwar Singh Rathore (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. It is admitted case of the parties that complainant's vehicle was truck with capacity of 1+2 including driver and it was insured with opposite party at the time of accident. Admittedly, it was a goods vehicle but at the time of accident 34/36 persons were travelling in the vehicle and on account of accident 29 persons died and 5 persons sustained injuries. Thus, there was clear violation of the terms and conditions of policy. As per policy and registration certificate of the vehicle only 3 persons were allowed to sit in the vehicle whereas at the time of accident 34/36 persons were travelling in the vehicle.
24- National Insurance Company Limited vs. Meena Agrawal, 2009 (III) D.M.P. 111 (SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986 - Section 23 - Liability of insurance company - Damage to vehicle in a vehicular accident - Claim for cost of repairs of vehicle - Alleged breach of conditions of insurance policy - Driver allegedly not possessing valid driving licence - Vehicle insured for personal use but being used as taxi. - Hence use of vehicle against conditions of insurance policy - District Consumer Forum rejected the claim for damages - On appeal being preferred // 18 // State Commission allowed the claim partly on ground that though vehicle was used as a taxi there was no fundamental breach of conditions of insurance policy - Revision filed by insurance company dismissed by National Commission - Held, owner of vehicle is under obligation to verify that driver of vehicle has a valid driving licence - Claim for damage to vehicle in question - No reasons assigned by State Commission and the National Commission to conclude that there was no fundamental breach of policy conditions - When vehicle insured for personal use being used for commercial purpose - Orders of State Commission and National Commission not sustainable - Impugned order set aside."
25. New India Assurance Co. Ltd. vs. B. Satyajit Reddy & Anr. I (2011) CPJ 132 (NC), 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) - Motor Vehicles Act, 1988 - Section 3(1) - Insurance - Breach of policy conditions - Accident claim - Injuries to occupants - Driving licence validity - Claim repudiated - Forum dismissed compliant - State Commission allowed appeal - Hence revision
- Contention of respondent No.2 was that vehicle was not being used as transport vehicle but for personal purpose - Not accepted - Vehicle continued to be registered as a transport vehicle for which a specific authorized licence was a statutory necessity - Act in driving a taxi was illegal and such driving was in contravention of terms of policy conditions - Repudiation justified.
// 19 //
26. 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%& "Consumer Protection Act, 1986 - Sections 2(1)(g), 21(b) - Insurance - Carrying of - Excessive passengers - Breach of policy conditions - Vehicle met with accident - Claim repudiated - Complaint partly allowed - Appeal allowed and order of District Forum set aside - Hence, revision petition - 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 - Impugned order of State Commission valid."
27- bl izdkj Li"V gS fd ifjogu ;ku esa ;k=h yk;k tk jgk Fkk tcfd okgu dk jftLVªs'ku LGV (Light Goods Vehicle) ds :Ik esa gqvk gS vkSj mlh :Ik esa mldk chek fd;k x;k gS vkSj 2$1 ds LFkku ij yxHkx 24 O;fDr;ksa dks cSBk;k x;k Fkk vkSj okgu dk ifjpkyu fd;k tk jgk Fkk tks fd Li"V :Ik ls chek 'krksZa dk mYya?ku gS vkSj ,slh fLFkfr esa mRrjoknh@ifjoknh ds }kjk chek 'krksZa dk mYya?ku fd;s tkus ds dkj.k ls og vekud (Non Standard Basis) vk/kkj ij {kfriwfrZ jkf'k izkIr djus dk vf/kdkjh ugha gS vkSj vihykFkhZ@vukosnd ba';ksjsal daiuh us tks mRrjoknh@ifjoknh ds nkos dks fujLr fd;k gS mlesa fdlh izdkj dh dksbZ voS/kkfudrk ugha gSA vihykFkhZ@vukosnd ba';ksjsal daiuh dks nkos dks fujLr djus dk iw.kZ vf/kdkj gSA // 20 // 28- mijksDr foospuk ds vk/kkj ij ftyk Qksje us tks vekud (Non Standard Basis) vk/kkj ij {kfriwfrZ jkf'k fnyk;k gS og =qfViw.kZ gSA mRrjoknh@ifjoknh fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fLFkj j[ks tkus ;ksX; ugha gSA 29- vr% vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&19-05-2015 fujLr fd;k tkrk gSA ifj.kker% ifjokn Hkh fujLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA 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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