State Consumer Disputes Redressal Commission
Nageshwar Rao vs United India Insurance Co.Ltd. & Ors. on 12 February, 2018
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh lkxj nsojs] vf/koDrkA mRrjoknh Øekad&1 dh vksj ls Jh ih- ds- ikWy] vf/koDrkA mRrjoknh Øekad&2 ,oa 4 vuqifLFkrA mRrjoknh dzekad&3 dh vksj ls Jh fot; ;kno] vf/koDrkA vkns'k fnukad% 12@02@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@ifjoknh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] // 2 // cLrj] LFkku txnyiqj ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&lhlh@18@2017 esa ikfjr vkns'k fnukad&28-10-2017 ftlds }kjk ifjoknh ds ifjokn dks fujLr fd;k gS] ls nqf[kr gksdj izLrqr fd;k gSA 02- vihykFkhZ@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh LdkfiZ;ks okgu dzekad&lh-th-18 ds@4184 dk iathd`r Lokeh gS vkSj mDr okgu vukosnd dz-1 ;qukbZVsM bafm;k ba';ksjsal daiuh fyfeVsM ds ikl fnukad&10-06-2015 ls 09-06-2016 rd dh vof/k ds fy, chfer Fkk vkSj mldk chfer ewY;&8]21]711@&¼vkB yk[k bDdhl gtkj lkr lkS X;kjg :Ik;s½ FkkA ifjoknh ds okgu dks iqfyl v/kh{kd] chtkiqj }kjk vf/kxzfgr dj mi egkfujh{kd lh- vkj- ih- ,Q- ds gejkg M~;wVh esa pyk;k tk jgk FkkA fnukad&06-02-2015 dks mDr LdkfiZ;ks dks okgu pkyd vfuy ,p- ,e- okgu esa lh- vkj- ih- ,Q- ds vU; tokuksa dks cSBkdj vukosnd dz-3 ds QkWyksxkMZ ds :Ik esa txnyiqj ls chtkiqj tk jgk Fkk fd fnu ds djhc 11%00 cts xzke ekoyh HkkVk jk"Vªh; jktekxZ esu jksM ij vpkud nks cSy yM+rs gq, okgu ds lkeus vk x;s ftls cpkrs le; okgu vfu;af=r gksdj iyV xbZ vkSj ftlls okgu iw.kZr% {kfrxzLr gks x;k vkSj blesa pkyd ,oa ,d vU; O;fDr dks xaHkhj pksVsa vkbZ Fkh vkSj pkyd vfuy ,p- ,e- ,oa vuwi ?kks"k dh e`R;q gks xbZ FkhA nq?kZVuk dh lwpuk Fkkus esa nh xbZ Fkh vkSj vukosnd dz-1 dks Hkh lwpuk nh xbZ FkhA vukosnd dz-1 }kjk losZ;j // 3 // fu;qDr fd;k x;k Fkk vkSj losZ;j ds funsZ'k ij okgu dks dzsu dh enn ls mBokdj ckykth eksVlZ txnyiqj ys tk;k x;k Fkk ftls fujh{k.k dj 7]45]809@&¼lkr yk[k iSarkyhl gtkj vkB lkS ukS :Ik;s½ dk ,fLVesV cukdj fn;k x;k FkkA ifjoknh }kjk lqlaxr nLrkostksa ds lkFk Dyse QkeZ izLrqr fd;k x;kA ifjoknh dk okgu iw.kZr% {kfrxzLr gks x;k Fkk ijUrq vukosnd dz-1 chek daiuh }kjk ;g fu/kkZfjr djrs gq, fd okgu lh- vkj- ih- ,Q- mi egkfujh{kd chtkiqj }kjk vf/kxzfgr dj fy;s tkus ds dkj.k okgu ij ifjoknh dk vkf/kiR; ugha Fkk vkSj nkos dks fujLr dj fn;k x;k Fkk] blfy, ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA pwafd losZ;j us iw.kZ {kfr fu/kkZfjr fd;k gS blfy, ifjoknh laiw.kZ chfer ewY; izkIr djus dk vf/kdkjh gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k iznku dh tkosA 03- vukosnd dz-1 ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vk/kkj fy;k x;k gS fd ifjoknh ds i{k esa izkbZosV dkj iSdst ikWfylh tkjh fd;k x;k Fkk vkSj chfer ewY;&8]21]711@&¼vkB yk[k bDdhl gtkj lkr lkS X;kjg :Ik;s½ Fkk] ijUrq ifjoknh us okgu dk mi;ksx chek 'krksZa ds foijhr fd;k FkkA nq?kZVuk dh lwpuk izkIr gksus ij vukosnd dz-1 us Jh vatu lkgw dks losZ;j fu;qDr fd;k Fkk vkSj losZ;j }kjk eksVj nkok QkeZ] ,fLVesV ,oa vU; nLrkostksa dk voyksdu djus ds Ik'pkr~ VksVy ykWl ds vk/kkj ij 8]21]711@&¼vkB yk[k bDdhl gtkj lkr lkS X;kjg :Ik;s½ fu/kkZfjr // 4 // fd;k Fkk ftlesa lkWYost dh dher&2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ vkadfyr fd;k Fkk vkSj ,Dlsl jkf'k&2]000@&¼nks gtkj :Ik;s½ ?kVkus ds Ik'pkr~ 5]69]711@&¼ikap yk[k mugRrj gtkj lkr lkS X;kjg :Ik;s½ {kfr dk vkadyu fd;k x;k Fkk] ijUrq okgu nq?kZVuk ds le; okgu Lokeh ds vkf/kiR; esa ugha Fkk vkSj okgu dks iqfyl v/kh{kd] chtkiqj }kjk vf/kxzfgr dj fy;k x;k Fkk vkSj ftl le; nq?kZVuk gqbZ Fkh ml le; okgu lh- vkj- ih- ,Q- mi egkfujh{kd ds }kjk pyk;k tk jgk Fkk vkSj ftlds fdjk, dk Hkqxrku ifjoknh dks fd;k tk jgk Fkk vkSj ifjoknh dks 1]13]274@&¼,d yk[k rsjg gtkj nks lkS pkSgRrj :Ik;s½ dk Hkqxrku fd;k x;k Fkk vkSj iqfyl v/kh{kd] chtkiqj }kjk fn, x, lwpuk ds vf/kdkj ds rgr iznRr tkudkjh ls Li"V gS fd okgu LdkfiZ;ks dzekad&lh- th- 18 ds@4184 dk vf/kxzg.k fnukad&28-07-2015 dks fd;k x;k Fkk vkSj okgu fdjk, ij py jgk Fkk vkSj bl izdkj chek /kkjd }kjk chek 'krksZa dk mYya?ku fd;k x;k gS vkSj nq?kZVuk fnukad dks chek /kkjd dk okgu ij vf/kiR; ugha Fkk vkSj ,slh fLFkfr esa vukosnd dz-1 chek daiuh {kfriwfrZ ds fy, nkf;Rok/khu ugha gSA ;fn ifjoknh dksbZ {kfriwfrZ ikus dk vf/kdkjh Hkh gS rks mlds fy, vukosnd dz-2 ls 3 mRrjnk;h gSaA vr% ifjoknh dk ifjokn vukosnd dz-1 ds laca/k esa fujLr fd;k tkosA 04- vukosnd dz-2 iqfyl v/kh{kd] chtkiqj dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g cpko fy;k x;k gS fd ifjoknh ds okgu LdkfiZ;ks // 5 // dzekad&lh- th- 18 ds@4184 dks iqfyl v/kh{kd }kjk vf/kxzfgr ugha fd;k x;k Fkk] cfYd mDr okgu dks vuqfoHkkxh; n.Mkf/kdkjh] chtkiqj ds }kjk vf/kxzfgr fd;k x;k Fkk vkSj ifjoknh iqfyl foHkkx dk;kZy; iqfyl v/kh{kd chtkiqj ls fu;fer :Ik ls fdjk;k izkIr djrk jgk gSA vuqfoHkkxh; n.Mkf/kdkjh] chtkiqj }kjk ifjoknh ds LdkfiZ;ks okgu dks vf/kxzfgr fd;k tkdj iqfyl v/kh{kd] chtkiqj dks lqiqnZ fd;k x;k Fkk ftls vfr vko';d 'kkldh; dk;Z uDlyh x'r lfpaZx ,oa dkuwu O;oLFkk ds fy, lh- vkj- ih- ,Q- ds mi egkfujh{kd] chtkiqj dks fn;k x;k Fkk tks fd lh- vkj- ih- ,Q- mi egkfujh{kd] chtkiqj ds gejkg M~;wVh ij py jgk Fkk] blfy, vukosnd dz-2 dk ifjoknh **miHkksDrk** ugha gSA vr% ifjoknh dk ifjokn fujLr fd;k tkosA 05- vukosnd dz-3 ,oa 4 ftyk Qksje ds le{k ,di{kh; jgs gSaA 06- mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ ftyk Qksje us ifjoknh ds ifjokn dks bl vk/kkj ij fujLr fd;k gS fd nq?kZVuk fnukad dks okgu vkosnd ds fu;a=.kk/khu ugha jgdj fdjk;k izkIr dj pyok;k tk jgk Fkk vkSj mDr okgu dks pykus esa vkosnd dk pkyd Hkh ugha yxk Fkk vkSj vkosnd }kjk okgu dk mi;ksx chek 'krksZa dk mYya?ku dj fd;k tk jgk Fkk blfy, vukosnd dz-1 dk mDr dk;Z lsok esa deh dh Js.kh esa ugha vkrk gS vkSj ifjoknh fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gS vkSj ifjokn fujLr dj fn;k gS ftlds fo:} ;g vihy gSA // 6 // 07- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lkxj nsojs dk rdZ gS fd ifjoknh okgu dzekad&lh- th- 18 ds@4184 dk iathd`r Lokeh Fkk vkSj mDr okgu iqfyl foHkkx }kjk vf/kxzfgr fd;k x;k Fkk vkSj lh- vkj- ih- ,Q- ds mi egkfujh{kd }kjk mldk mi;ksx fd;k tk jgk Fkk rFkk okgu vukosnd dz-1 ds ikl chfer Fkk vkSj nq?kZVuk fnukad dks Hkh okgu vukosnd dz-2 ,oa 3 ds vkf/kiR; esa Fkk vkSj pwafd iqfyl foHkkx }kjk okgu dks vf/kxzfgr dj fy;k x;k Fkk mlds ckn Hkh okgu ij LokfeRo ifjoknh dk gh Fkk rFkk ifjoknh }kjk nq?kZVuk dh lwpuk chek daiuh dks fn;k x;k Fkk rFkk chek daiuh }kjk losZ;j fu;qDr fd;k x;k vkSj ftlus {kfr dk vkadyu fd;k FkkA okgu dk chfer ewY; 8]21]711@&¼vkB yk[k bDdhl gtkj lkr lkS X;kjg :Ik;s½ Fkk vkSj losZ;j us VksVy ykWl fu/kkZfjr fd;k gS vkSj losZ;j ds }kjk tks {kfriwfrZ fu/kkZfjr fd;k x;k gS og {kfriwfrZ jkf'k ifjoknh izkIr djus dk vf/kdkjh gS] ijUrq chek daiuh us ifjoknh ds nkos dks vLohdkj fd;k gS tks fd fuf'pr gh lsok dh deh dks n'kkZrk gS vkSj ftyk Qksje us bu lc rF;ksa dks /;ku fn, fcuk =qfViw.kZ vkns'k ikfjr dj fn;k gSA vr% ifjoknh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 08- mRrjoknh dz-1@vukosnd dz-1 ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd ;g Lohd`r gS fd ifjoknh okgu dzekad&lh- th- 18 // 7 // ds@4184 dk iathd`r Lokeh Fkk vkSj tks fd nq?kZVuk fnukad dks vukosnd dz-1 ds ikl chfer Fkk] ijUrq mDr okgu dh ikWfylh izkbZosV dkj iSdst ikWfylh ds :Ik esa tkjh gqvk Fkk fdUrq ifjoknh okgu dks fdjk, ij pyk jgk FkkA mDr okgu dks iqfyl v/kh{kd] chtkiqj }kjk vf/kxzfgr dj lh- vkj- ih- ,Q- ds mi egkfujh{kd ds vkf/kiR; esa fn;k x;k Fkk vkSj nq?kZVuk fnukad dks ifjoknh dk vkf/kiR; okgu ij ugha FkkA losZ;j }kjk VksVy ykWl csfll ds vk/kkj ij 8]21]711@&¼vkB yk[k bDdhl gtkj lkr lkS X;kjg :Ik;s½ dh {kfr dk vkadyu fd;k x;k Fkk vkSj lkWYost dh dher 2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ rFkk ,Dlsl dh jkf'k&2]000@&¼nks gtkj :Ik;s½ ekU; fd;k x;k Fkk vkSj ftls ?kVkus ds Ik'pkr~ 5]69]711@&¼ikap yk[k mugRrj gtkj lkr lkS X;kjg :Ik;s½ {kfr dk fu/kkZj.k fd;k x;k Fkk] ijUrq ifjoknh us chek 'krksZa dk mYya?ku fd;k gS vkSj okgu dks iqfyl foHkkx }kjk vf/kxzfgr dj fy;k x;k FkkA ,slh fLFkfr esa ifjoknh] vukosnd dz-1 chek daiuh ls fdlh izdkj dh {kfriwfrZ izkIr djus dk vf/kdkjh ugha gSA ftyk Qksje us vukosnd dz-1 ds laca/k esa ifjokn fujLr fd;k gS og iw.kZr% mfpr gS vkSj mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA vr% ifjoknh dh vihy fujLr fd;k tkosA vukosnd dz-1 dh vksj ls vius rdZ ds leFkZu esa National Insurance Co. Ltd. Vs. Deepa Devi and Others 2008 ACJ 705, Purnya Kala Devi Vs. State of Assam and another 2014 ACJ 1269 dk voyacu fy;k gSA // 8 // 09- mRrjoknh dz-3@vukosnd dz-3 mi iqfyl egkfujh{kd] lh- vkj- ih- ,Q- dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh fot; ;kno dk rdZ gS fd ifjoknh ds okgu dks vuqfoHkkxh; n.Mkf/kdkjh] chtkiqj }kjk vf/kxzfgr fd;k x;k Fkk] iqfyl foHkkx }kjk vf/kxzfgr ugha fd;k x;k Fkk rFkk ifjoknh fu;ekuqlkj okgu dk fdjk;k izkIr dj jgk Fkk vkSj blfy, vxj okgu esa dksbZ nq?kZVuk dkfjr gqvk gS rks mlds fy, vukosnd dz-3 mRrjnk;h ugha gSA ftyk Qksje us mfpr :Ik ls ifjokn dks fujLr fd;k gSA vr% ifjoknh dh vihy lkjghu gksus ls fujLr fd;k tkosA 10- bl vk;ksx }kjk mRrjoknh dz-2 iqfyl v/kh{kd] chtkiqj ,oa mRrjoknh dz-4 dysDVj] chtkiqj dks uksfVl Hkstk x;k Fkk vkSj uksfVl rkehyh ds ckn Hkh mudh vksj ls dksbZ mifLFkr ugha gSA 11- geus vihykFkhZ@ifjoknh ,oa mRrjoknh dz-3@vukosnd dz-3 ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA 12- ;g Lohd`r gS fd ifjoknh okgu dzekad&lh- th- 18 ds-@4184 dk iathd`r Lokeh gS vkSj mDr okgu fnukad&10-06-2015 ls fnukad&09- 06-2016 rd dh vof/k ds fy, vukosnd dz-1 ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM ds ikl chfer FkkA // 9 // 13- ifjoknh us vius ifjokn&i= dh dafMdk&3 ¼v½ esa ;g ;g crk;k gS fd **okgu dzekad&lh- th- 18 ds@4184 dks iqfyl v/kh{kd] chtkiqj }kjk vf/kxzfgr dj mi egkfujh{kd] lh- vkj- ih- ,Q- vukosnd dz-3 ds gejkg M~;wVh esa pyok;k tk jgk Fkk vkSj fnukad&06-02-2016 dks mDr LdkfiZ;ks okgu dk pkyd vfuy ,p- ,e- okgu esa lh- vkj- ih- ,Q- ds vU; tokuksa dks cSBkdj vukosnd dz-3 ds QkWyksxkMZ ds :Ik esa txnyiqj ls chtkiqj tk jgk Fkk fd fnu ds djhc 11%00 cts xzke ekoyh HkkVk jk"Vªh; jktekxZ esu jksM ij vpkud nks cSy yM+rs gq, okgu ds lkeus vk x;s ftls cpkus ds iz;kl esa okgu pkyd vfuy ,p- ,e- okgu dks fdukjs rjQ fd;k ijUrq okgu vfu;af=r gksdj iqy ls Vdjkdj iyV xbZ vkSj ftlesa okgu iw.kZr% {kfrxzzLr gks xbZ Fkh rFkk okgu esa lokj pkyd ,oa vU; O;fDr;ksa dks xaHkhj pksaVsa vkbZ Fkh vkSj pkyd vfuy ,oa vuwi ?kks"k dh e`R;q gks xbZ FkhA** ifjoknh dh vksj ls izFke lwpuk izfrosnu ¼izn'kZ ih&6½ izLrqr fd;k x;k gS vkSj lkFk esa izn'kZ ih&10 tks fd ch- ,u- 'kekZ vf/koDrk ds }kjk Fkkuk izHkkjh] Fkkuk dksM+sukj] ftyk cLrj dks fy[kk x;k i= gS ftlds }kjk vafre izfrosnu] izFke lwpuk i=] laifRr tIrh i=d bR;kfn dh ekax dh xbZ gS vkSj izn'kZ ih&11 Fkkuk izHkkjh] dksM+sukj }kjk izLrqr nLrkostksa dh lwph gS ftlds ifj'khyu ls Li"V gS fd iz'uk/khu okgu fnukad&06-02-2016 dks nq?kZVukxzLr gks xbZ Fkh vkSj mDr okgu dks tIr Hkh fd;k x;k Fkk rFkk vafre izfrosnu esa Hkh ;g mYysf[kr gS fd **fnukad&06-02-2015 dks e`rd pkyd vfuy ,p- ,e- firk Jh eksguk] mez 40 o"kZ] lkfdu Mh- vkbZ- th- vkWfQl // 10 // chtkiqj 222 ch- ,u- lh- vkj- ih- ,Q-] ewy fuoklh xzke gksaxk Fkkuk nYyk] ftyk glu ¼dukVZd½ }kjk LdkfiZ;ks okgu dzekad&lh- th- 18 ds@4184 dks pykrs gq, ,DlhMsaV dj fn;k ftlls pkyd Lo;a dks pksV vkus ls bZykt ds fy, egkjkuh vLirky txnyiqj ys x;s Fks fd bZykt nkSjku vfuy ,p- ,e- dk e`R;q gks x;k gSA** bl izdkj Li"V gS fd iz'uk/khu okgu nq?kZVukxzLr gqvk FkkA 14- vc ;g ns[kuk gS fd D;k ifjoknh] vukosnd dz-1 ls {kfriwfrZ izkIr djus dk vf/kdkjh gS\ vukosnd dz-2 iqfyl v/kh{kd] chtkiqj us ftyk Qksje ds le{k tokc izLrqr fd;k gSA bl tokc dh dafMdk&2 esa ;g Li"V mYysf[kr gS fd **LdkfiZ;ks okgu dzekad&lh-th- 18 ds@4184 dks nq?kZVuk ds le; iqfyl v/kh{kd] chtkiqj }kjk vf/kxzfgr fd;k x;k Fkk** rFkk dafMdk&4 esa ;g crk;k gS fd **f'kdk;rdrkZ@vkosnd iqfyl foHkkx dk;kZy; iqfyl v/kh{kd] chtkiqj] ftyk chtkiqj ls vius LdkfiZ;ks okgu dzeakd&lh- th- 18 ds@4184 ls fu;fer :Ik ls fdjk;k izkIr dj jgk gS** rFkk dafMdk&5 esa ;g mYysf[kr fd;k x;k gS fd **vuqfoHkkxh; n.Mkf/kdkjh] chtkiqj }kjk vkosnd ds LdkfiZ;ks okgu dks vf/kxzfgr fd;s tkdj iqfyl v/kh{kd] chtkiqj dks lqiqnZ fd;k x;k Fkk ftls vfr vko';d 'kkldh; dk;Z uDlyh x'r lfpZax ,oa dkuuw O;oLFkk ds fy;s lh- vkj- ih- ,Q- ds mi egkfujh{kd] chtkiqj dks fn;k x;k Fkk rFkk ?kVuk fnukad dks Hkh mDr LdkfiZ;ks okgu dzeakd&lh- th- 18 ds@4184 lh- vkj- ih- ,Q- mi egkfujh{kd] chtkiqj ds gejkg // 11 // M~;wVh esa py jgh FkhA** Jh vejsUnz dqekj nhf{kr vf/koDrk us lwpuk dk vf/kdkj vf/kfu;e] 2005 ds rgr tu lwpuk vf/kdkjh] dk;kZy; iqfyl v/kh{kd chtkiqj ls tkudkjh izkIr fd;k Fkk ftlds ifjizs{; esa tkudkjh miyC/k djkbZ xbZ Fkh vkSj mlesa Hkh ;g crk;k x;k gS fd **iz'uk/khu okgu iqfyl mi egkfujh{kd] chtkiqj }kjk pyk;k tk jgk FkkA** vukosnd dz-1 }kjk vejsUnz dqekj nhf{kr vf/koDrk dks vUos"kd fu;qDr fd;k x;k Fkk vkSj mlus vUos"k.k fjiksVZ Hkh izLrqr fd;k gS vkSj ftlesa Hkh ;g mYysf[kr gS fd **okgu dk mi;ksx iqfyl vf/kxzg.k ds nkSjku HkkM+s esa fd;k tk jgk Fkk tcfd okgu dk iath;u ,oa chek izkbZosV dkj ds :Ik esa fd;k x;k gSA** 15- mijksDr laiw.kZ foospuk ds ifjisz{; esa Li"V gS fd ifjoknh }kjk okgu dk mi;ksx fdjk, ij fd;k tk jgk Fkk vkSj mDr okgu dk mi;ksx iqfyl v/kh{kd }kjk fd;k tk jgk Fkk vkSj rc okgu nq?kZVukxzLr gqvk Fkk vkSj bl izdkj ifjoknh ds vkf/kiR; esa okgu ugha Fkk] og iqfyl v/kh{kd ds dCts esa FkkA 16- /kkjk&2 ¼30½ eksVj ;ku vf/kfu;e] 1988] esa Lokeh dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj%& **30- Lokeh ls og O;fDr vfHkizsr gS ftlds uke esa eksVj ;ku jftLVj gS vkSj tgka ,slk O;fDr vo;Ld gS] ogka ml vo;Ld dk laj{k.k vfHkizsr gS vkSj ml eksVj ;ku ds laca/k esa tks vodz; djkj ;k iV~Vs ds djkj ;k vkMeku ds djkj ij fy;k x;k gS] // 12 // og O;fDr vfHkizsr gS ftldk ml ;ku ij ml djkj ds v/khu dCtk gS;** 17- /kkjk&2 ¼30½ eksVj ;ku vf/kfu;e] 1988] esa tks Lokeh dks ifjHkkf"kr fd;k x;k gS mlds ifj'khyu ls Li"V gS fd ftl le; okgu nq?kZVukxzLr gqvk Fkk ml le; okgu mlds okLrfod Lokeh ¼ifjoknh½ ds vkf/kiR; esa ugha Fkk] vfirq mDr okgu dks vukosnd dz-2 }kjk vkf/kiR; esa fy;k x;k Fkk vkSj mi iqfyl egkfujh{kd] lh- vkj- ih- ,Q- ds }kjk vkf/kiR; izkIr fd;k x;k Fkk vFkkZr~ vukosnd dz-2 ,oa 3 ds vkf/kiR; esa Fkk vkSj bl izdkj okLrfod Lokeh ¼ifjoknh½ dk ml le; okgu ij fu;a=.k ugha Fkk vkSj nq?kZVuk ds le; okgu okLrfod Lokeh ¼ifjoknh½ ds vkf/kiR; esa Hkh ugha FkkA 18- National Insurance Co. Ltd. Vs. Deepa Devi and others 2008 ACJ 705 (SC) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor Vehicles Act, 1988, sections 147 (1), 2 (30) and 168 (1) - Motor insurance - Requisition of vehicle - Owner - Liability of - Liability of insurance company - Car was requisitioned by the State for election duty when it met with accident resulting in death of a boy
- vehicle was insured for private purpose - Tribunal held that under the terms of the policy, insurance company was not liable - High Court in appeal held that owner, State Government and insurance company are jointly and severally liable and directed insurance company to deposit the compensation award - Owner does not exercise any control over the vehicle while the vehicle remains under requisition - Driver may be employee of the owner but he has to drive // 13 // as per direction of the officer of the State - Whether the owner of the vehicle and consequently insurance company are liable - Held : no; save and except for legal ownership, for all intent and purport the registered owner loses entire control over the vehicle; State alone is liable."
19. Purnya Kala Devi Vs. State of Assam and another, 2014 ACJ 1269 (SC) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor Vehicles Act, 1988 - Section 2 (30) and Assam Requisition and Control of Vehicles Act, 1968, Section 5 (1) - Owner - State - Requisition of vehicle - Liability of State - Bus requisitioned by the State and placed on government duty - Vehicle met with accident resulting in death of cyclist - Widow of the deceased filed claim under Motor Vehicles Act, vehicle was not insured and Tribunal awarded compensation against registered owner - High Court held that State Government cannot be held liable because liability to pay the compensation is upon registered owner, insurance company or driver of the vehicle or all or any of them - Contention that vehicle was under requisition of State Government and under Assam Requisition and Control of Vehicles Act, State Government is liable to pay compensation - Defense that State Government had only requisitioned the vehicle, it was neither the owner nor driver of the vehicle and had already released the vehicle before the accident - Claimant stated that accident occurred at 10.15 a.m. and officers of the State maintain that vehicle was released at 10.30 a.m. and accident occurred at 10.30 a.m. but failed to produce any evidence such as notice in writing served on the owner as mandated under Section 5(1) of Assam Act about date and time of release of vehicle - Legislative intention that registered owner of vehicle should not be held liable if vehicle was not in his possession and control - Whether vehicle was under
requisition of State Government under the provisions of Assam Act at the time of accident and State Government is covered under definition of 'owner' as contained in Section 2(30) - Held: yes State Government // 14 // is liable; State Government has violated Section 146 (1) by plying an uninsured vehicle in public place."
20. T.N. Das Vs. Oriental Insurance Co. Ltd. & Ors. iV (2012) CPJ 438 (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
- Vehicle met with accident - Extensively damaged - Hire or reward - Claim repudiated - Alleged deficiency in service - District Forum dismissed complaint - State Commission dismissed appeal - Hence Revision - Vehicle suffered accident when it was being used by some police personnel during visit of Home Minister of State - Fora below rightly held that insured vehicle was taken on hire or reward by Government - Owner of vehicle had parted away with possession of vehicle without informing Insurance Company - Repudiation justified."
21. Niranjan Kumar Yadav Vs. National Insurance Company Limited, II (2011) CPJ 64 (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
- Vehicle set on fire - Breach of terms and conditions of policy - Vehicle used by local M.L.A. during election - Near polling station vehicle attacked by some people and was set on fire - Alleged deficiency in service - District Forum dismissed complaint - State Commission dismissed appeal - Hence revision - Vehicle standing near polling booth in violation of Election Commission orders - Repudiation valid - Orders of Fora below upheld."
// 15 // 22- bl izdkj Li"V gS fd okgu ifjoknh ds vkf/kiR; esa ugha Fkk vkSj ifjoknh ds okgu dks iqfyl }kjk vf/kxzfgr fd;k x;k Fkk rFkk vukosnd dz-1 }kjk izkbZosV dkj iSdsy ikWfylh ds :Ik esa ikWfylh tkjh fd;k x;k Fkk] tcfd ifjoknh dk okgu fdjk, ij vukosnd dz-2 ,oa 3 dks lkSaik x;k Fkk vkSj fuf'pr gh chek 'krksZa dk mYya?ku gSA ,slh fLFkfr esa bl izdj.k esa vukosnd dz-1 chek daiuh ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM {kfriwfrZ ds fy, nkf;Rok/khu ugha gSA 23- ijUrq ;g Li"V gS fd okgu iqfyl foHkkx ds vkf/kiR; esa Fkk vkSj ml nkSjku okgu nq?kZVukxzLr gqvk Fkk rFkk losZ;j us nq?kZVukxzLr okgu dks VksVy ykWl dh Js.kh esa j[kk gS vkSj lkWYost ,oa ,Dlsl dkVus ds Ik'pkr~ {kfr dk vkadyu 5]69]711@&¼ikap yk[k mugRrj gtkj lkr lkS X;kjg :Ik;s½ fd;k x;k gSA 24- tgka rd losZ;j fjiksVZ dk laca/k gS og ,d egRoiw.kZ lk{; gksrk gS vkSj mls ewY;oku lk{; ds :Ik esa xzg.k fd;k tk ldrk gSA 25- Rohtas & Ors. Vs. United India Insurance Co. Ltd. & Ors., IV (2017) CPJ 501 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "11. ....The surveyor further stated that they had based their conclusions and assessment on physical inspection, accounting, volumetric analysis, remnants of burnt items etc. It is clear from above that the report made by the surveyor is based on methodical assessment done in a professional manner. The petitioners have not // 16 // been able to pin-point any irregularity or shortcoming in the said report. The case of the petitioner is that the bank statements of stock etc. reflect a different picture. However, it is made out from the report of the Surveyor that he has taken into consideration the stock statements as well, while making his report...." "12. It is a settled legal proposition that the report made by a surveyor in the discharge of his professional duty should be accepted unless some serious discrepancies / shortcomings are pointed out in the same. This view has been expressed by the Hon'ble Supreme Court in their judgment in Sri Venkateswara Syndicate v. Oriental Insurance Company Limited & Anr., II (2010) SLT 664 = II (2010) CPJ 1 (SC) = 2009, 8 SCC 507, in which it has been held as under :-
"Scheme of Section 64-UM, particularly of Sub-sections (2), (3) and (4) would show that the insurer cannot appoint a second surveyor just as a matter of course. If for any valid reason the report of the surveyor is not acceptable to the insurer may be for the reason if there are inherent defects, if it is found to be arbitrary, excessive, exaggerated, etc., it must specify cogent reasons, without which it is not free to appoint second surveyor or surveyors till it gets a report which would satisfy its interest. Alternatively, it can be stated that there must be sufficient ground to disagree with the findings of surveyor/surveyors. There is no prohibition in the Insurance Act for appointment of second surveyor by the insurance company, but while doing so, the insurance company has to give satisfactory reasons for not accepting the report of the first surveyor and the need to appoint second surveyor."
26- Devendra Malhotra Vs. United India Insurance Co. Ltd. & Anr. 2016 (3) CLT 525 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 17 // "Consumer Protection Act, 1986, Sections 2 (1) (g), 19 & 21 (a) (ii)- Insurance claim Surveyor report Held It is a established legal proposition that the report made by the surveyor, who is a professional in his field, cannot disbelieved, unless there are cogent and convincing reasons to do so."
27- Oriental Insurance Co. Ltd. Vs. Pavan Enterprises & Anr. I (2016) CPJ 503 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. I see no reason to discard the report of the Surveyor. He appears to be a guideless witness. No motive was ever attributed to him. There must be some reasonable ground or doubt to reject his report. The report of the Surveyor carries infinite significance as was held in Roshan Lal Oil Mills Ltd. & Ors., 2014 (SLT Soft) 1 = 2014 (CPJ Soft) 1 = (2000) 10 Supreme Court Cases 19 and in D.N. Badoni v. Oriental Insurance Co. Ltd., I (2012) C.P.J. 272 (NC)."
28. New India Assurance Company Ltd. Vs. Balaji Emporium I (2015) CPJ 588 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& **losZ;j fjiksVZ dks Ik;kZIr egRo nsuk pkfg, tc rd fd mls vLohd`r djus ds fy, Ik;kZIr ,oa Bksl vk/kkj fo|eku ugha gSA** 29- blh izdkj Iffco-Tokio General Insurance Co. Ltd. Vs. Beena Raghav III (2015) CPJ 75 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& **losZ;j ,d Lora= O;fDr gksrk gS vkSj mlds }kjk tks fjiksVZ fn;k tkrk gS mldk lkf{kd egRo gS vkSj mls rc rd vuns[kk ugha // 18 // fd;k tk ldrk tc rd mls fo'oluh; lk{; ds }kjk [kf.Mr u dj fn;k tkosA**
30. M/s. Hinafil India Limited vs. United India Insurance Company Limited & Another, 2015 (3) CPR 35 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Surveyor being a third person, report submitted by him is entitled to a great weight and should ordinarily be accepted." 31- pwafd losZ;j }kjk {kfr dk vkadyu 5]69]711@&¼ikap yk[k mugRrj gtkj lkr lkS X;kjg :Ik;s½ fd;k x;k gS vkSj losZ;j fjiksVZ ij vfo'okl djus dk dksbZ vk/kkj fo|eku ugha gSA ,slh fLFkfr ifjoknh mDr 5]69]711@&¼ikap yk[k mugRrj gtkj lkr lkS X;kjg :Ik;s½ vukosnd dz-2 ls 4 ls izkIr djus dk vf/kdkjh gSA 32- mijksDr foospuk ds ifjizs{; esa ;g vihy mRrjoknh dz- 1@vukosnd dz-1 ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM ds fo:} fujLr fd;s tkus ;ksX; gS] ijUrq vihykFkhZ@ifjoknh dh vihy mRrjoknh dz-2 ls 4@vukosnd dz-2 ls 4 ds fo:} Lohdkj fd;s tkus ;ksX; gSA 33- vr% vihykFkhZ@ifjoknh dh vksj ls izLrqr vihy mRrjoknh dz-2 ls 4@vukosnd dz-2 ls 4 ds laca/k esa Lohdkj fd;k tkrk gS vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&28-10-2017 mRrjoknh dz-2 ls 4@vukosnd dz-2 ls 4 ds laca/k esa vikLr fd;k tkrk gS] ijUrq // 19 // mRrjoknh dz-1@vukosnd dz-1 ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM ds laca/k esa ;Fkkor~ j[kk tkrk gS vkSj ;g vknsf'kr fd;k tkrk gS fd%& 01- mRrjoknh dz-2@vukosnd dz-2 iqfyl v/kh{kd] chtkiqj] ftyk chtkiqj ,oa mRrjoknh dz-3@vukosnd dz-3 mi iqfyl egkfujh{kd] lh- vkj- ih- ,Q-] 222 cVkfy;u] chtkiqj] ftyk chtkiqj rFkk mRrjoknh dz-4@vukosnd dz-4 N-x- 'kklu }kjk dysDVj la;qDr ,oa i`Fkd&i`Fkd :Ik ls vihykFkhZ@ifjoknh dks 5]69]711@&¼ikap yk[k mugRrj gtkj lkr lkS X;kjg :Ik;s½ vkns'k fnukad ls 45 fnu ds Hkhrj vnk djsaxsA 02- mRrjoknh dz-2@vukosnd dz-2 iqfyl v/kh{kd] chtkiqj] ftyk chtkiqj ,oa mRrjoknh dz-3@vukosnd dz-3 mi iqfyl egkfujh{kd] lh- vkj- ih- ,Q-] 222 cVkfy;u] chtkiqj] ftyk chtkiqj rFkk mRrjoknh dz-4@vukosnd dz-4 N-x- 'kklu }kjk dysDVj la;qDr ,oa i`Fkd&i`Fkd :Ik ls vihykFkhZ@ifjoknh dks mDr 5]69]711@&¼ikap yk[k mugRrj gtkj lkr lkS X;kjg :Ik;s½ ij ifjokn izLrqfr fnukad&29-04-2017 ls jde dh vnk;xh fnukad rd 09 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls C;kt Hkh vnk djsaxsA 03- mRrjoknh dz-2@vukosnd dz-2 iqfyl v/kh{kd] chtkiqj] ftyk chtkiqj ,oa mRrjoknh dz-3@vukosnd dz-3 mi iqfyl egkfujh{kd] lh- vkj- ih- ,Q-] 222 cVkfy;u] chtkiqj] ftyk chtkiqj rFkk mRrjoknh dz-4@vukosnd dz-4 N-x- 'kklu }kjk // 20 // dysDVj la;qDr ,oa i`Fkd&i`Fkd :Ik ls vihykFkhZ@ifjoknh dks okn O;; dk 3]000@&¼rhu gtkj :Ik;s½ ,oa bl vihy dk O;; 2]000@&¼nks gtkj :Ik;s½ dqy&5]000@&¼ikap gtkj :Ik;s½ Hkh vnk djsaxsA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsUnz xqIrk½ v/;{k lnL; lnL;
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