State Consumer Disputes Redressal Commission
Mintu Kumar Yadav S/O Ramanand Yadav vs National Insurance Company Limited on 27 April, 2026
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vihy la[;k%&498@2023 feUVw dqekj ;kno iq= Jh jkekuUn ;kno] fuoklh&ds'kokuk] dksViwryh] ftyk&t;iqj &vihykFkhZ@ifjoknh Ckuke 1- Uks'kuy ba';ksjsl a daiuh fyfeVsM] ,uchlhlh lsaVj] lgdkj ekxZ] t;iqjA 302005 2- Uks'kuy ba';ksjsal daiuh fyfeVsM] fuejkuk fotul lsaVj] 'kkWi uacj 218] Jhd`".kk Vkoj] f}rh; eafty] fuejkuk] ftyk&vyojA tfj;s 'kk[kk izca/kdA 301705 &izR;FkhZx.k@foi{khx.k mifLFkr%& vihykFkhZ@ifjoknh dh vksj ls Jh xksiky 'kkL=h] vf/koDrk izR;FkhZx.k@foi{khx.k dh vksj ls Jh iz'kkar ea=h] vf/koDrk cgl lquus dh fnukad % 23-03-2026 fu.kZ; lqukus dh fnukad% 27-04-2026 fu.kZ;
[}kjk%&ekuuh; Jh fueZy flag esM+roky] lnL; ¼U;kf;d½] vihykFkhZ@ifjoknh feUVw dqekj ;kno us ;g vihy izR;FkhZx.k@foi{khx.k us'kuy ba';ksjsl a daiuh fyfeVsM ,oa vU; ds fo#) 2 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] t;iqj r`rh;] t;iqj ds fu.kZ; fnukad 19-10-2023 ls O;fFkr gksdj izLrqr dh xbZ gSA 02- izdj.k ds la{ksi esa rF; bl izdkj ls crk;s x;s gSa fd vihykFkhZ@ifjoknh feUVw dqekj ;kno us ,d ifjokn izR;FkhZx.k@foi{khx.k ds fo#) bl vk'k; dk izLrqr fd;k Fkk fd mlds okgu la[;k vkjts&32&thch&7784 gS] ftldk chek mlus fnukad 02-10-2019 ls 01-10-2020 rd dh vof/k ds fy;s 30]00]000@&:i;s ds chek/ku ds fy;s djk j[kk Fkk] ftldk izhfe;e 70]990@&:i;s fn;k x;k FkkA chek ikWfylh dh 'krsZa mls miyC/k ugha djkbZ xbZA ;g okgu fnukad 21-01-2020 dks fnYyh ls 60 QhV jksM+ ij fu;r ikfdZax ds LFkku ls mldks [kM+k djus ds vk/ks ?k.Vs ds vanj pksjh gks x;k] bl ij iqfyl Fkkuk] egjksyh] ¼lkmFk fMfLVªDl½ fnYyh esa lwpuk nh xbZ] ftldh ,Q-vkbZ-vkj- izLrqr dh xbZ gSA pksjh dh lwpuk izR;FkhZx.k@foi{khx.k ds Vksy Ýh uacj ij nh xbZA izR;FkhZx.k@foi{khx.k }kjk LikWV losZ;j vkSj Qkbuy losZ;j fu;qDr fd;s x;s] ftuds }kjk pkgs x;s leLr nLrkost vkSj lwpuk;sa miyC/k djkbZ xbZ] bl Dyse dks vkt rd lsVy ugha fd;k x;k] tks lsok esa deh gSA 03- fnukad 01-03-2021 dks vihykFkhZ@ifjoknh }kjk izR;FkhZx.k@foi{khx.k dks ,d i= izsf"kr fd;k x;k] ftlds laca/k esa izR;FkhZx.k@foi{khx.k us Hkh vihykFkhZ@ifjoknh dks ,d i= Hkstk] ftlesa iwNh xbZ leLr izdkj dh tkudkfj;ka vihykFkhZ@ifjoknh us vius tokc&i= ds }kjk izR;FkhZx.k@foi{khx.k ds dk;kZy; esa Hkst nh Fkh] ijarq Dyse jkf'k dk Hkqxrku ugha fd;k x;kA fu;eksa ds vuqlkj 90 fnu ds vanj Dyse dks lsVy fd;k tkuk pkfg;s] ysfdu vkt rd lsVy ugha fd;k gSA vihykFkhZ@ifjoknh dks okgu dh losZ fjiksVZ Hkh miyC/k ugha djkbZ tk jgh gSA izR;FkhZx.k@foi{khx.k dks fof/kd uksfVl Hkh izsf"kr fd;k gS] ysfdu mldk dksbZ fujkdj.k ugha fd;k x;k gS] vr% 30]00]000@&:i;s e; C;kt vkSj gtkZuk fnyk;s tkus dh izkFkZuk dh xbZ gSA 04- izR;FkhZx.k@foi{khx.k }kjk tokc bl vk'k; dk izLrqr fd;k x;k gS fd vihykFkhZ@ifjoknh dks ikWfylh ds lkFk gh ikWfylh dh 'krsZa@viotZu miyC/k djok fn;s x;s Fks D;ksafd vihykFkhZ@ifjoknh us vf/koDrk ds tfj;s Hksts x;s 3 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
uksfVl fnukad 22-05-2021 esa ikWfylh dh 'krsZa izkIr ugha gksus ckcr dksbZ dFku ugha fd;s gaSA ikWfylh dh 'krsZa miyC/k ugha gksus ij chek djkus dh frfFk ls pksjh tkus ds chp dh vof/k esa Hkh f'kdk;r dh tk ldrh Fkh] tks ugha dh xbZ] vr% ikWfylh dh 'krsZa vkSj viotZu vihykFkhZ@ifjoknh dks izkIr gksus dh vo/kkj.kk mRiUu gks tkrh gSA izR;FkhZx.k@foi{khx.k }kjk jke Hktu dks vUos"k.k djus gsrq fu;qDr fd;k x;kA ?kVuk ds le; okgu pyk jgs dfFkr pkyd Jh jktdqekj xqtZj }kjk foi{kh chek daiuh ds vUos"kd }kjk dfFkr ?kVuk ds lac/a k esa rgdhdkr djus ij vius fyf[kr c;kuksa esa crk;k fd fnukad 20-12-2020 dks og dksViqryh ls chfer okgu dks yksM djds Nrjiqj] tgka okgu esa j[kk eky vuyksM fd;k tkuk Fkk] ds fy;s jkr esa 9&10 cts jokuk gqvk FkkA losjs xarO; LFky ij ek= 5&6 fdyksehVj igys chfer okgu ds ihNs okyk ,d Vk;j iaDpj gks x;k Fkk] ftl otg ls chfer okgu dks dpjs ds <sj ds ikl] nksuksa lkbM taxy es]a jksM ij NksM+dj og iaDpj okys dks <wa<us pyk x;k FkkA mDr c;kuksa dh iqf"V vihykFkhZ@ifjoknh }kjk Hkh vius fyf[kr c;kuksa esa dh xbZ gSA vihykFkhZ@ifjoknh }kjk crk;s vuqlkj ;fn ?kVUkk ?kfVr gqbZ Hkh ekuh tkrh gS rks chfer okgu ds pkyd ds }kjk chfer okgu dks fu;r LFkku ij ikdZ fd;s fcuk ,oa fdlh dh ns[kHkky esa NksM+s fcuk] vdsys lM+d ij NksMd + j ykijokgh cjrh Fkh] ftldh otg ls dfFkr ?kVuk ?kVh Fkh] vr% fnYyh igqapdj chfer okgu dks fu;r LFkku ij 60 QhV jksM+ ij [kM+s djus ds feF;k dFku fd;s x;s gSaA iqfyl dks lwpuk pksjh ds 10 ?kaVs chr tkus ds Ik'pkr~ nh xbZ FkhA 05- vihykFkhZ@ifjoknh us pksjh dh ?kVuk ds 6 fnu Ik'pkr~ fnukad 27-01-2020 dks tfj;s izFke nkok lwpuk i= fn;k FkkA bl ekeys esa LikWV losZ;j vkSj Qkbuy losZ;j fu;qDr ugha fd;s x;s FksA pksjh ds izdj.kksa esa lkekU;r;k% vUos"kd gh fu;qDr fd;k tkrk gSA vUos"kd ls vihykFkhZ@ifjoknh us lg;ksx ugha fd;k vkSj le; ekaxs tkus ij fnukad 15-08-2020 rd feyus dk le; ugha fn;kA Dyse ls lacfa /kr nLrkost vkSj tkudkjh chek daiuh vFkok vUos"kd dks miyC/k ugha djk;h x;h] u gh Dyse ls lacaf/kr leLr vkSipkfjdrk;sa iw.kZ dh xbZA vUos"kd dh fjiksVZ ls izR;FkhZ chek daiuh }kjk 4 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
Dyse ds laca/k esa vihykFkhZ@ifjoknh dks 19-02-2021 dks i= fn;k x;k Fkk] ftldk tokc vihykFkhZ@ifjoknh us fnukad 01-03-2021 dks fn;k FkkA vihykFkhZ@ifjoknh ds tokc dks larks"ktud ugha ik;k x;kA blds vfrfjDr dqN dfe;ka chek daiuh ds i= fnukad 19-02-2021 esa of.kZr gksus ls Hkh jg xbZ Fkh] vr% ,d u;k i= tkjh djus okys Fks fd vihykFkhZ@ifjoknh ds vf/koDrk }kjk fn;k x;k dkuwuh uksfVl fnukad 22-05-2021 izkIr gqvk] ftlds Ik'pkr~ chek daiuh us ifjoknh dks fnukad 08-06-2021 dks i= fy[krs gq;s mlesa of.kZr fcanqvksa ds lac/a k esa Li"Vhdj.k] tkudkjh vkSj nLrkost miyC/k djkus gsrq dgk] ysfdu tkudkfj;ka ugha nh xbZA vkarfjd lek;kstu dh otg ls vihykFkhZ@ifjoknh ds Dyse ij dk;Zokgh djus okyk foi{kh chek daiuh dk dk;kZy; can gks x;k Fkk] ftl otg ls vihykFkhZ@ifjoknh dh Dyse Qkby lacfa /kr dk;kZy; esa gLrkarfjr dh xbZ FkhA dksjksuk iSaMsfed dh otg ls jkT; ljdkj }kjk yxk;s x;s ykWdMkmu vkSj mldh xkbMykbu dh otg ls Dyse dh dk;Zokgh djus esa dqN le; yxkA tokc ds lkFk fnukad 08-06-2021 dks fn;s x;s i= esa iwNs x;s Li"Vhdj.k dk mYys[k fd;k x;k gS] ftudks miyC/k ugha djkus ds dkj.k Dyse dk fuLrkj.k ugha fd;k x;k vkSj bl izdkj chek daiuh dh lsokvksa esa dksbZ nks"k gksuk ugha crk;kA Dyse&i= esa vk;s fojks/kkHkk"kksa dk Hkh mYys[k fd;k x;k gSA ;g Hkh dgk x;k gS fd fnukad 14-06-2020 dks tkjh VªkaftV ikl ds vuqlkj chfer okgu yksM fd;k x;k Fkk vkSj mlesa pkyd v'kksd FkkA ;fn okgu fnukad 21-01-2020 dks okgu pksjh gks x;k rks ;g dSls laHko gqvk vkSj bl ckjs esa Li"Vhdj.k Hkh nsus ds fy;s dgk Fkk] tks ugha fn;k x;kA chek ikWfylh dh 'krZ la[;k 5 dk mYys[k djrs gq;s okgu dh lqj{kk esa ykijokgh vihykFkhZ@ifjoknh }kjk dh xbZ gS vkSj bl dkj.k Dyse ns; gksuk ugha crk;k tkdj [kkfjt djus dh izkFkZuk dh xbZ gSA 06- fo}ku ftyk miHkksDrk vk;ksx }kjk vius fu.kZ; fnukad 19-10-2023 esa fuEu vkns'k ikfjr fd;k%& Þ11- foi{kh chek daiuh dks ;g Hkh vfèkdkj gS fd mlds }kjk ekaxh x, nLrkostksa] okafNr vkSipkfjdrkvksa dks iwjk djus dk nkf;Ro ifjoknh 5 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
ij gS] blfy, ge nksuksa i{kksa dks fuEu vkns'k nsuk mfpr le>rs gSa fd%& 1- foi{kh chek daiuh] ifjoknh dks ,d ekg ds vanj bl Dyse ls lacafèkr tks Hkh vkSipkfjdrk,a ,oa okafNr nLrkostkr vko';d gks mldh lwpuk ifjoknh dks tfj;s jftLVMZ i= ls nsxk] ftlls ifjoknh nLrkost miyCèk djok,xkA 2- ifjoknh foi{kh chek daiuh ds }kjk ekaxh xà vkSipkfjdrk,a ,oa okafNr leLr nLrkostkr foi{kh chek daiuh dks ,d ekg esa miyCèk djok,xk rFkk nLrkost çkIr gksus ds ,d ekg esa foi{kh chek daiuh Dyse lacaèkh fu;ekuqlkj dk;Zokgh dj ifjoknh dks viuk fu.kZ; ckcr~ Dyse lwpuk nsxk A 3- ;fn ifjoknh nkos ds fuLrkj.k ls larq"V ugÈ gks rks fuLrkj.k dh fnukad ls nks ekg dh vofèk esa iqu% ifjokn nk;j djus ds fy, Lora= jgsxkA mä vkns'k dh ikyuk nksuksa i{k la;qä :i ls vkt fnukad ls djsx a sA 07- rRi'pkr~ fnukad 13-08-2024 dks bl vk;ksx }kjk ;g fuEu varfje vkns'k fn;k x;k%& ÞvihykFkÊ@ ifjoknh ds vfèkoäk Jh xksiky 'kkL=h mifLFkrA çR;FkÊ@foi{kh ds vfèkoäk Jh ç'kkar ea=h mifLFkrA vihy ij lquok;h ds nkSjku mHk;i{k ds vfèkoäkx.k dh bl ckr ij lgefr cuh fd fo}ku ftyk miHkksäk vk;ksx }kjk ikfjr vkyksP; fu.kZ; fnå 19-10-2023 ds pj.k la[;k&11¼1½ esa fn;s x;s funsZ'kkuqlkj çR;FkÊ@foi{kh chek dEiuh }kjk vHkh rd dksà lwpuk i= vihykFkÊ@ifjoknh dks okafNr nLrkostkr@Li"Vhdj.k@vU; vkSipkfjdrk iw.kZ djus ckcr ugÈ fn;k x;k gSA ;ksX; vfèkoäk çR;FkÊ@ foi{kh dk dguk gS fd bl vk;ksx }kjk ikfjr mä vkns'k dh çekf.kr çfr çkIr gksus ds lkr fnu ds vUnj fo}ku ftyk miHkksäk vk;ksx ds mä funsZ'kkuqlkj okafNr nLrkostkr@Li"Vhdj.k@vU;
6jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
vkSipkfjdrk iw.kZ djus ckcr lwpuk i= tkjh dj fn;k tkosxkA ;ksX; vfèkoäk vihykFkÊ@ ifjoknh bl gsrq lger gSaA mijksäkuqlkj vc çR;FkÊ@foi{kh chek dEiuh dks funsZf'kr fd;k tkrk gS fd og fo}ku ftyk miHkksäk vk;ksx ds vkyksP; fu.kZ; fnå 19-10-2023 ds pj.k la[;k 11¼1½ esa fn;s x;s funsZ'kkuqlkj bl vkns'k dh çekf.kr çfr çkIr gksus ds lkr fnu ds vUnj lwpuk&i= tkjh djsAa ;g Hkh Li"V fd;k tkrk gS fd vkyksP; fu.kZ; ds pj.k la[;k 11¼2½ esa fn;s x;s funsZ'kkuqlkj vihykFkÊ@ifjoknh lwpuk i= çkIr gksus ds vfèkdre ,d ekg esa okafNr nLrkostkr@Li"Vhdj.k @vU; vkSipkfjdrk iw.kZ dj nsxkA bl vihy esa mHk;i{k }kjk mä dk;Zokgh iw.kZ fd;s tkus ds ckn gh lquok;h fd;k tkuk mfpr çrhr gksrk gSA vr% i=koyh esa vkxkeh is'kh 08-10-2024 fu;r dh tkrh gSAÞ 08- rRi'pkr~ 24-10-2024 dks bl vk;ksx }kjk ;g ik;k x;k gS fd ikfjr vkns'k fnukad 13-08-2024 dh ikyuk esa mHk;i{k }kjk lwph ds lkFk nLrkostkr izLrqr fd;s x;sA mHk;i{k bl rF; ij lger gS fd izR;FkhZ chek daiuh vihykFkhZ ds Dyse ds laca/k esa viuk fu.kZ; ikfjr djds bl vk;ksx vkSj vihykFkhZ dks 15 fnu esa fyf[kr esa lwpuk nsxkA 09- bl ij izR;FkhZ@foi{kh chek daiuh ds }kjk vihykFkhZ@ifjoknh ds Dyse dks fujLr djrs gq;s mls vius i= fnukad 11-11-2024 ls lwfpr dj fn;kA rRi'pkr~ chek daiuh dh vksj ls ,d izkFkZuk&i= fnukad 07-02-2025 dks izLrqr dj vihy lquus ls iwoZ mldk fuLrkj.k djus dh izkFkZuk dhA bl ij mHk;i{k dks lquk tkdj bl vk;ksx }kjk vkns'k fnukad 21-04-2025 }kjk ;g ik;k x;k fd vihykFkhZ@ifjoknh us fo}ku ftyk miHkksDrk vk;ksx ds }kjk fn;s x;s funsZ'kksa dks bl vihy esa pqukSrh nh gS vkSj mu ij vHkh dksbZ fu.kZ; ugha gqvk gS] tcfd bl vk;ksx }kjk fn;s x;s funsZ'kksa dh ikyuk esa izR;FkhZ chek daiuh }kjk vihy dh lquokbZ ds nkSjku Dyse dks fujLr dj fn;k x;k gSA ;g Hkh ik;k x;k fd vc ;fn vihy lquokbZ ds nkSjku Dyse fujLr Hkh fd;k tkrk gS rks ,slh fLFkfr esa vihykFkhZ@ifjoknh dks lquokbZ dk ekSdk nsdj vihy dk 7 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
fuLrkj.k fd;k tkuk vko';d gS vkSj bl voLFkk ij izR;FkhZ@foi{kh ds fo}ku vf/koDrk }kjk fn;s x;s rdksZa ds en~nsutj vihykFkhZ@ifjoknh dks u;k okndkj.k iSnk gksus ds vk/kkj ij mls l{ke ftyk miHkksDrk vk;ksx ds le{k lquokbZ gsrq funsZf'kr ugha fd;k tk ldrk gS D;ksfa d bu rF;ksa dk fu/kkZj.k vihy ds nkSjku gh gqvk fd D;k vihykFkhZ@ifjoknh dk ifjokn izh&esP;ksj Fkk ;k ugha D;ksfa d bl ekeys esa bl vk;ksx }kjk fn;s x;s vkns'k ls bl fu"d"kZ ij ugha igqapk tk ldrk gS fd vihykFkhZ@ifjoknh dk ifjokn izh&esP;ksj gS] vr% bl dkj.k chek daiuh dk izkFkZuk&i= fnukad 07-02-2025 Þckcr [kkfjt fd;s tkus vihyÞ fujLr fd;k x;k vkSj ;g fVIi.kh dh xbZ fd bl vkns'k ds nkSjku dh xbZ fVIif.k;ka ewy vihy dks xq.kkoxq.k ij izHkkfor ugha djsxhA 10- vihykFkhZ@ifjoknh dh vksj ls fuEu uthjsa okLrs voyksdukFkZ izLrqr dh xbZ gSa%& 1- Ashok Kumar Vs. New India Assurance Co. Ltd.- 2023 NCJ 689 (SC) 2- BACHHU SINGH VERSUS NATIONAL INSURANCE COMPANY LTD. & ORS. - CIVIL APPEAL NO.1888 OF 2020- SUPREME COURT OF INDIA, Decided on- 28-02-2020 3- Mubarak Vs. New India Assurance Co.Ltd.- COMPLAINT CASE NO:73/2020 RAJASTHAN STATE CONSUMER DISPUTES REDRESSAL COMMISSION, JAIPUR , Decided on-15.2.2021 4- fnus'k dqekj cuke ,l-ch-vkbZ- tujy ba';ksjsal daiuh fyfeVsM ,oa vU;] izFke vihy la[;k&156@2021] jktLFkku jkT; miHkksDrk vk;ksx] fu.kZ; fnukad& 16-02-2022 5- ICICI LOMBARD GENERAL INSURANCE CO. LTD. Vs. RAJENDRA KUMAR GUPTA & ANR. - I (2013) CPJ 624 (NC) 6- fn vksfj;.Vy ba';ksjsal daiuh fyfeVsM cuke us=iky] vihy la[;k 195@2025 ,oa us=iky cuke vksfj;.Vy ba';ksjsl a daiuh fyfeVsM] vihy la[;k 226@2025] fu.kZ; fnukad&28-11-2025] jkt- jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj 8 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
7- The Oriental Insurance Company Limited Vs. Veerbhan Gurjar, vihy la[;k 40@2025] fu.kZ; fnukad&01-01-2026] jkt- jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj 8- dqej ,oa vU; cuke esXek ,p Mh vkbZ tujy ba';ksjsal daiuh fyfeVsM ,oa vU;] vihy la[;k&32@2023] fu.kZ; fnukad 20-11-2024] jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csap Hkjriqj 11- chek daiuh dh vksj ls fuEu uthjsa voyksdukFkZ izLrqr dh xbZ%& 1- RELIANCE GENERAL INSURANCE COMPANY LIMITED VS JAGESHWAR SINGH- 2017 1 CPJ 27(Chhat.) 2- ASHOK KUMAR MISHRA Vs. BRANCH MANAGER, NEW INDIA ASSURANCE COMPANY LTD. & ORS.- III (2003) CPJ 86 (NC) 3- PRIYA COPAL STORES versus NATIONAL INSURANCE CO. LTD. - I (2009) CPJ 22 (NC) 4- SHESHKALA RUSTUM PAWAR versus RELIANCE GENERAL INSURANCE CO. LTD. & ANR.- II (2011) CPJ 243 5- KANHU CHARAN NANDA Vs. NEW INDIA ASSURANCE CO. LTD.- 1 (1995) CPJ 327 6- M/s. Sarvottam Petrochem Pvt. Ltd. Vs. M/s National Insurance Co.
Ltd. & Ors.- 2022 NCJ 343 (NC) 7- Anjal Garments Vs. Oriental Insurance Company- III (2016) CPJ 28 (NC) 8- Vishal Singh Ramdas and ors. Vs. New India Assurance Company Limited and ors.- IV (2009) CPJ 124 (NC) 9- Best Food International Vs. National Insurance Company Ltd. and anr. - IV (2009) CPJ 77 (NC) 10- Rakesh Kumar Sharma Vs. ICICI Prudential Life Insurance Co. Ltd.
and anr.- II (2014) CPJ 196 (NC) 11- Kanwarjit Singh King Vs. ICICI Lombard General Ins. Co. Ltd. and anr.- 2022 ACJ 1647 12- NksVw yky lqFkkj cuke nh U;w bafM;k ba';ksjsal daiuh fyfeVsM] vihy la[;k&331@2024] fu.kZ; fnukad&26-03-2025] jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj 9 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
13- National Insuurance Company Ltd. Vs. Chief Electoral Officer and ors.- I (2023) CPJ 26 (SC) 14- Satya International Vs. New India Insurance Company Limited and ors.- III (2020) CPJ 236 (NC) 15- Aman Kapoor Vs. National Insurance Co. Ltd. and ors.- III (2017) CPJ 319 (NC) 16- Uks'kuy ba';ksjsal daiuh fyfeVsM cuke Jherh tkudks o vU;] vihy la[;k 286@2015 ,oa Jherh tkudks o vU; cuke us'kuy ba';ksjsal daiuh fyfeVsM] vihy la[;k 335@2015] fu.kZ; fnukad 01-09-2015 12- vihykFkhZ@ifjoknh ds fo}ku vf/koDrk dh ;g cgl gS fd bl ekeys esa fo}ku ftyk miHkksDrk vk;ksx }kjk vius fu.kZ; dh pj.k la[;k 11 esa vihykFkhZ@ifjoknh dks Dyse ls lacaf/kr vkSipkfjdrk;sa vkSj okafNr nLrkostkr izkIr djus gsrq chek daiuh dks funsZ'k fn;s tkus vkSj nLrkost ds miyC/k djk;s tkus ds ckn Dyse lac/a kh fu;ekuqlkj dk;Zokgh dj vihykFkhZ@ifjoknh dks vius fu.kZ; ckcr lwfpr djuk vkSj fu.kZ; ls larq"V ugha gksus ij nks ekg dh vof/k esa iqu% ifjokn nk;j djus ds fy;s Lora= gksus dk tks vkns'k fn;k x;k gS] og fof/k ds fo#) gS D;kafs d mlds }kjk nLrkostkr vkSj leLr lwpuk;sa iwoZ esa miyC/k djk nh xbZ Fkh vkSj bl izdkj fo}ku ftyk miHkksDrk vk;ksx }kjk mlds chek Dyse dks Lohdkj ugha djus esa rF;kRed vkSj fof/kd Hkwy dh xbZ gS] vr% fu.kZ; dks vikLr dj Dyse dks fnyk;s tkus dk vkns'k ikfjr fd;k tk;sA mudh vksj ls ;g Hkh cgl dh xbZ gS fd bl ekeys esa okgu dk pksjh tkuk iw.kZ :i ls lkfcr gSA mudh ;g Hkh cgl gS fd Ms<+ o"kZ dh vof/k esa Dyse ij fu.kZ; ugha fd;k x;k gS] vr% bl dkj.k chek daiuh dh lsok esa deh dh vo/kkj.kk dh tk ldrh gS] blds ckotwn fo}ku ftyk miHkksDrk vk;ksx }kjk Dyse dks Lohd`r ugha dj voS/krk dkfjr dh xbZ gSA fo}ku ftyk miHkksDrk vk;ksx }kjk iz'uxr okgu dks 14-06-2020 dks pksjh ds ckn dh frfFk esa pyk;eku gksuk xyr :Ik ls ekuk x;k gS D;ksfa d mlesa crk;k x;k okgu pksjh x;s okgu ls fHkUu gSA mudh ;g Hkh cgl gS fd iz'uxr okgu ds uke ls pksjh dh frfFk ds lac/a k esa i= xyr :Ik ls tkjh gqvk gS] bl ckcr i= ds 10 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
miyC/k gksrs gq;s Hkh fo}ku ftyk miHkksDrk vk;ksx }kjk mldk laKku ugha fy;k x;k gS] vr% vihy Lohdkj djus dh izkFkZuk dh xbZ gSA 13- izR;FkhZx.k@foi{khx.k ds fo}ku vf/koDrk }kjk ;g cgl dh xbZ gS fd bl ekeys esa fo}ku ftyk miHkksDrk vk;ksx }kjk vkSj bl vk;ksx }kjk ;g eku fy;k x;k Fkk fd vihykFkhZ@ifjoknh us vko';d vkSipkfjdrk;sa vkSj nLrkost miyC/k ugha djk;s x;s gSa vkSj blh dkj.k vkns'k fnukad 13-08-2024 ds }kjk bl vk;ksx }kjk vihykFkhZ@ifjoknh dks iqu% nLrkost chek daiuh dks miyC/k djkus dk vkns'k fn;k x;k Fkk] vr% bl dkj.k fo}ku ftyk miHkksDrk vk;ksx }kjk ikfjr fd;k x;k vkns'k fof/klEer gSA mudh ;g Hkh cgl gS fd bl ekeys esa vihykFkhZ@ifjoknh ds Dyse dk fuLrkj.k vihy dh lquokbZ ds nkSjku fd;k x;k gS vkSj Dyse fujLr dj fn;k x;k gS] vr% bl dkj.k ;g fl) gksrk gS fd vihykFkhZ@ifjoknh us ifjokn le;iwoZ izLrqr dj fn;k Fkk D;ksfa d mlds }kjk chek daiuh ds i= fnukad 08-06-2021 dh ikyuk esa okafNr tkudkfj;ka vkSj nLrkost miyC/k ugha djk;s x;s Fks] vr% ;g cgl dh xbZ gS fd vihy dks [kkfjt fd;k tkdj vihykFkhZ@ifjoknh dks chek daiuh ds jsiwfM;s'ku i= fnukad 11-11-2024 ls mRiUu gq;s okndkj.k ls u;k ifjokn izLrqr djus dk vkns'k fn;k tkos] tSlkfd fo}ku ftyk miHkksDrk vk;ksx }kjk vius vkyksP; fu.kZ; esa funsZ'k fn;k x;k gSA mudh ;g Hkh cgl gS fd vuqla/kkudrkZ }kjk bl ekeys esa vuqla/kku ds Ik'pkr~ tks fu"d"kZ fudkyk x;k gS] og bl rF; ij lansg iSnk djrk gS] okLro esa iz'uxr Vªd pksjh gqvk Fkk] vr% bl dkj.k vihykFkhZ@ifjoknh dh vihy [kkfjt dj jsIkwfM;s'ku i= ds vk/kkj ij mRiUu gq;s okndkj.k ds vuqlj.k esa u;k ifjokn izLrqr djus dh NwV nh tkos vkSj vihykFkhZ@ifjoknh }kjk fo}ku ftyk miHkksDrk vk;ksx ds le{k izLrqr fd;k x;k ifjokn [kkfjt fd;k tkosA 14- mHk;i{k dh cgl lquh xbZ ,oa izLrqr'kqnk uthjksa dk llEeku v/;;u fd;k x;kA 15- vihy ds nkSjku vihykFkhZ@ifjoknh dh vksj ls Department Of Mining and Geology, Rajasthan ds VªkaftV ikl dh ,d izfr izLrqr dh xbZ gS] tks fnukad 14-06-2020 dks fnu esa 1%43 ih,e ls 1%46 ih,e ds chp tujsV 11 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
gqvk FkkA blesa Vªd dk uacj vkjts32thch7784 fy[kk gqvk gS] tks bl ekeys esa pksjh x;s Vªd dk uacj gSA blesa MªkbZoj dk uke v'kksd crk;k x;k gS vkSj mldk eksckby uacj Hkh fy[kk gqvk gSA izkIrdrkZ Gawar Construction Limited, Village Shimla, Tehsil Narnaul, Mahendragarh, Haryana dk irk fn;k x;k gSA blds lkFk D;w-vkj- dksM ls iz'uxr Vªd dk QksVks Hkh tujsV fd;k x;k gS vkSj lkFk esa ekbfuax fMikVZesaV dh ÝSapkbth eksnh ,xzhxsV us ;g uksV yxk;k gS fd og ekbfuax foHkkx dh vksj ls VªkaftV ikl fudkyus ds fy;s vf/kd`r gS] ftlesa Vªd la[;k vkjts32thch7684 dk VªkaftV ikl fudky jgs Fks] ftlesa ,d vad xyr gks x;k gS vkSj 7684 dh txg 7784 gks x;k] tks xyrh ls gks x;k gS] ftldk esy ekbfuax vkWfQl esa dj nsrk gwAa ml esy dh izfr vihykFkhZ@ifjoknh dh vksj ls izLrqr ugha dh xbZ gSA bl VªkaftV ikl esa tks QksVks izLrqr dh xbZ gS] mlesa Vªd ds uacj Hkh fn[kus ;ksX; ugha gSA bu nksuksa nLrkostkr ds vk/kkj ij vihykFkhZ@ifjoknh us chek daiuh ds bl ,rjkt dks xyr gksuk crk;k gS fd pksjh dh frfFk ds ckn pksjh x;s Vªd ls eky vihykFkhZ@ifjoknh us bl VªkaftV ikl ds tfj;s gfj;k.kk Hkstk FkkA 16-chek daiuh dh vksj ls i= fnukad 27-08-2024 izLrqr fd;k x;k gS] tks feUVq dqekj ;kno ds uke ls gS] tks bl vk;ksx ds vkns'k fnukad 13-08-2024 dh ikyuk esa tkjh fd;k x;k Fkk] blesa dqy 16 Li"Vhdj.k vihykFkhZ@ifjoknh ls ekaxs x;s gSaA blds tokc esa vihykFkhZ@ifjoknh us fnukad 30-09-2024 dks viuk tokc Hkh izLrqr fd;k gS vkSj ;g izkFkZuk dh gS fd mlds }kjk laiw.kZ nLrkost vkidks fn;s tk pqds gSa vkSj pksjh ds izdj.k esa nLrkostkr dh dksbZ izklafxdrk Hkh ugha jgrh gSA izFke n`"V;k pksjh dh frfFk izekf.kr gksuk t:jh gS] tks fd bl izdj.k esa izekf.kr gS] ftls Lo;a vkids bUosLVhxsVj Hkh Lohdkj djrs gSa] vr% mUgsa Dyse fnyk;k tk;sA 17-bu nks u;s nLrkostkr ds izdk'k esa ekeys dk voyksdu djus ls nf'kZr gksrk gS fd bl lac/a k esa chek daiuh dh vksj ls rks viuk tokc fnukad 19-08-2021 esa 15 fcanqvksa ds ckjs esa fo'ks"k fooj.k esa mYys[k fd;k gS] tcfd VªkaftV ikl QksVks lfgr ,d u;k nLrkost gS] tks vihy ds nkSjku igyh ckj 12 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
izLrqr gqvk gS] ftldk dksbZ tokc fof/kor chek daiuh }kjk fn;k tkuk nf'kZr ugha gksrk gSA 18-fo}ku ftyk miHkksDrk vk;ksx ds fu.kZ; dk voyksdu djus ls nf'kZr gksrk gS fd muds }kjk vius fu.kZ; ds iSjk la[;k 11 esa tks funsZ'k fn;k x;k gS] mldh ikyuk bl vihyh; U;k;ky; }kjk djok nh xbZ gS] ysfdu chek daiuh }kjk i= fnukad 08-06-2021 esa mBk;s x;s iz'uksa ds laca/k esa vius fu.kZ; ugha fn;k gSA pwfa d vc vihykFkhZ@ifjoknh dk Dyse chek daiuh }kjk vius i= fnukad 11-11-2024 ls [kkfjt dj fn;k gS vkSj mlesa mBk;s x;s rF;ksa ds laca/k esa vihykFkhZ@ifjoknh }kjk dksbZ Li"Vhdj.k vius ifjokn esa Hkh ugha fn;k x;k gSA jsiqfM;s'ku i= dk voyksdu djus ls nf'kZr gksrk gS fd dqy 7 vk/kkjksa ij vihykFkhZ@ifjoknh dk Dyse [kkfjt fd;k x;k gS] ftuds fy;s mfpr vfHkopu ds vk/kkj ij vkSj lk{; ds vk/kkj ij fu.kZ; gksuk vko';d gS D;ksafd izR;FkhZ chek daiuh }kjk fn;s x;s i= fnukad 27-08-2024 vkSj vihykFkhZ@ifjoknh }kjk ml ij fn;s x;s tokc fnukad 22-09-2024 ij dksbZ vfHkopu miyC/k ugha gS] tcfd bu nLrkostkr ds laca/k esa i{kdkj dks mfpr vfHkopu vkus ds ckn mu ij fu.kZ; gksuk vko';d gS] tks fcuk lk{; ds bl ekeys esa vihy dh voLFkk ij gksuk laHko ugha gSA 19- gkykafd vihyh; U;k;ky; us vius iwoZ ds vkns'k fnukad 24-05-2025 ls ;g fu"d"kZ ml oDr dh ifjfLFkfr;ksa esa fudyk Fkk fd bl rF; dk fu/kkZj.k vihy ds nkSjku gh gksxk fd D;k vihykFkhZ@ifjoknh dk ifjokn izh&esP;ksj Fkk vFkok ugha D;ksafd bl ekeys esa bl vk;ksx }kjk fn;s x;s vkns'k ls bl fu"d"kZ ij ugha igqapk tk ldrk fd vihykFkhZ@ifjoknh dk ifjokn izh&esP;ksj Fkk D;ksfa d vc vihy dk xq.kkoxq.k ij fu.kZ; fd;k tk jgk gS vkSj mlls ;g rF; tkfgj vk;k gS fd vihykFkhZ@ifjoknh }kjk vihy ds nkSjku chek daiuh }kjk pkgs x;s Li"Vhdj.k izLrqr fd;s gSa vkSj mlds vk/kkj ij vihykFkhZ@ifjoknh dk chek Dyse [kkfjt fd;k tk pqdk gS rks ,slh fLFkfr esa fo}ku ftyk miHkksDrk vk;ksx }kjk vius fu.kZ; ds iSjk la[;k 11¼3½ ds vuqlkj vihykFkhZ@ifjoknh dks bl vihy ds fuLrkj.k ds nks ekg dh vof/k esa iqu% u;k ifjokn nk;j djus dh Lora=rk fn;s tkus dh vko';drk gSA 13 jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k%& 498@2023 feUVw dqekj ;kno Ckuke Uks'kuy ba';ksjl sa daiuh fyfeVsM ,oa vU;
19- bl vk;ksx }kjk vius vkns'k fnukad 21-04-2025 esa ;g Hkh /kkfjr fd;k x;k Fkk fd ml vkns'k esa ikfjr dh xbZ fVIi.kh ekeys dks izHkkfor ugha djsxh] vr% ml vkns'k esa dh xbZ ;s fVIif.k;ka fd vihyh; U;k;ky; Hkh izR;FkhZx.k@foi{khx.k }kjk vihykFkhZ@ifjoknh ds Dyse dks [kkfjt fd;s tkus ds jsiqfM;s'ku&i= ds vk/kkj ij ekeys dk fu.kZ; dj ldrs gSa] ls focaf/kr ugha gS vkSj bl dkj.k mHk;i{k dh cgl lquus ds Ik'pkr~ vihykFkhZ@ifjoknh dh vihy dks Lohdkj fd;k tkuk mfpr ugha ik;k tkrk gS vkSj bl funsZ'k ds lkFk [kkfjt fd;k tkuk mfpr ik;k tkrk gS fd ;fn vihykFkhZ@ifjoknh] chek daiuh }kjk mlds fo#) mldk chek Dyse fujLr djus ds i= fnukad 11-11-2024 ls larq"V ugha gS rks bl vihy ds fuLrkj.k dh fnukad ls nks ekg dh vof/k esa iqu% u;k ifjokn l{ke ftyk miHkksDrk vk;ksx ds le{k izLrqr djus fy;s Lora= jgsxkA vkns'k vr% vihykFkhZ@ifjoknh feaVq dqekj ;kno }kjk izLrqr vihy fo#) izR;FkhZx.k@foi{khx.k us'kuy ba';ksjsal daiuh fyfeVsM ,oa vU; bl funsZ'k ds lkFk [kkfjt dh tkrh gS fd ;fn vihykFkhZ@ifjoknh] chek daiuh }kjk mlds fo#) mldk chek Dyse fujLr djus ds i= fnukad 11-11-2024 ls larq"V ugha gS rks bl vihy ds fuLrkj.k dh fnukad ls nks ekg dh vof/k esa iqu% u;k ifjokn l{ke ftyk miHkksDrk vk;ksx ds le{k izLrqr djus fy;s Lora= jgsxkA vihy dk [kpkZ i{kdkjku viuk&viuk ogu djsaxsA fu.kZ; dh ,d izfr ds lkFk fo}ku ftyk miHkksDrk vk;ksx dk fjdkWMZ vfoyac okil ykSVk;k tkosA ¼jkefuokl lkjLor½ ¼fueZy flag esM+roky½ lnL; lnL;¼U;kf;d½ @lk{kh ikjhd@