Raj Verma vs B.M, Shriram General Insurance Co.Ltd & ... on 2 February, 2023

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State Consumer Disputes Redressal Commission

Raj Verma vs B.M, Shriram General Insurance Co.Ltd & ... on 2 February, 2023

Appeal No. Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Date of FA/2022/191 Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Pronounced On - FA/2022/192 Vinod Kumar Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. 02 .02.2023 FA/2022/193 NRrhlx<+ jkT;

miHkksDrk fookn Áfrrks"k vk;ksx] iaMjh] jk;iqj lafLFkr fnukad&19-12-2022 vafre rdZ fnukad&02-02-2023 vkns'k fnukad&02@02@2023- vihy dzekad%&FA/2022/191 jkt oekZ vk- bZ'ojh oekZ] vk;q yxHkx&28 o"kZ] fuoklh xzke&cktxqM+k] Fkkuk o rglhy&lgliqj yksgkjk] ftyk&dchj/kke ¼N-x-½ ¼}kjk Jh vkj- ds- Hkkoukuh] vf/koDrk okLrs vihykFkhZZ½

---------- vihykFkhZ@ifjoknh-

                                      fo:)
1-     'kk[kk izca/kd]

Jhjke tujy ba';ksjsla daiuh fyfeVsM] 'kk[kk do/kkZ] irk&jk;iqj jksM] flf) fouk;d Iyktk ds ikl] do/kkZ] Fkkuk o rglhy&do/kkZ] ftyk&dchj/kke ¼N-x-½ 2- izca/kd] Jhjke tujy ba';ksjsl a daiuh fyfeVsM] jftLVMZ dk;kZy;&bZ ,.M bZ-ih-vkbZ-ih-] lhrkiqj baMfLVª;y ,fj;k] t;iqj ¼jktLFkku½&302022 ¼}kjk Jh nhis'k dqekj FkokbZr] vf/koDrk okLrs mRrjoknhx.k½

------------mRrjoknhx.k@fo:) i{kdkjx.k-

lafLFkr fnukad&19-12-2022 vafre rdZ fnukad&02-02-2023 vkns'k fnukad&02@02@2023- vihy dzekad%&FA/2022/192 jkt oekZ vk- bZ'ojh oekZ] vk;q yxHkx&28 o"kZ] fuoklh xzke&cktxqM+k] Fkkuk o rglhy&lgliqj yksgkjk] ftyk&dchj/kke ¼N-x-½ ¼}kjk Jh vkj- ds- Hkkoukuh] vf/koDrk okLrs vihykFkhZZ½

---------- vihykFkhZ@ifjoknh-

                                    fo:)
1-     'kk[kk izca/kd]

------------mRrjoknhx.k@fo:) i{kdkjx.k-

Allowed Page 1 of 8 Appeal No. Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Date of FA/2022/191 Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Pronounced On - FA/2022/192 Vinod Kumar Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. 02 .02.2023 FA/2022/193 lafLFkr fnukad&19-12-2022 vafre rdZ fnukad&02-02-2023 vkns'k fnukad&02@02@2023- vihy dzekad%&FA/2022/193 fouksn dqekj oekZ vk- Hkqou flag oekZ] vk;q yxHkx&42 o"kZ] fuoklh xzke&/kuxkao] Fkkuk o rglhy&lgliqj yksgkjk] ftyk&dchj/kke ¼N-x-½ ¼}kjk Jh vkj- ds- Hkkoukuh] vf/koDrk okLrs vihykFkhZZ½

---------- vihykFkhZ@ifjoknh-

                                            fo:)
1-      'kk[kk izca/kd]

------------mRrjoknhx.k@fo:) i{kdkjx.k-

le{k% ekuuh; U;k;ewfrZ Jh xkSre pkSjfM+;k] v/;{k-

ekuuh;k Jherh :fp xks;y] lnL;-

ekuuh; Jh xksiky panz 'khy] lnL;-

ekuuh; Jh izeksn dqekj oekZ] lnL;-

vafre rdZ esa mifLFkr& vihykFkhZ dh vksj ls Jh vkj- ds- Hkkoukuh] vf/koDrkA mRrjoknhx.k dh vksj ls Jh nhis'k dqekj FkokbZr] vf/koDrkA ekSf[kd vkns'k ¼ }kjk%& U;k;ewfrZ xkSre pkSjfM+;k] v/;{k½ vihykFkhZ@ifjoknh us vihy dzeakd&,Q,@2022@191] ,Q,@2022@ 192 ,oa ,Q,@2022@193 /kkjk&41 miHkksDrk laj{k.k vf/kfu;e] 2019 ds varxZr ftyk miHkksDrk fookn izfrrks"k vk;ksx] dchj/kke ¼N-x-½ ¼ftls vkxs laf{kIr esa **lacaf/kr ftyk vk;ksx** lacksf/kr fd;k tkosxk½ ds dze'k% ifjokn izdj.k dzekad&lhlh@2021@16] lhlh@2021@17 ,oa lhlh@2021@18 esa Allowed Page 2 of 8 Appeal No. Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Date of FA/2022/191 Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Pronounced On - FA/2022/192 Vinod Kumar Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. 02 .02.2023 FA/2022/193 ikfjr vkns'k fnukad&22-11-2022 ftlds }kjk vihykFkhZ@ifjoknh ds ifjokn dks **miHkksDrk** ugha gksus ,oa izdj.k ds fujkdj.k gsrq foLr`r lk{; dh vko';drk gksus ds dkj.k Qksje@vk;ksx ds le{k iks"k.kh; ugha gksus ds vk/kkj ij fujLr fd;k x;k gS] ls {kqC/k gksdj izLrqr fd, gSaA lqfo/kk dh n`f"V ls rhuksa vihyksa dk fujkdj.k ,d lkFk fd;k tk jgk gSA 02- rhuksa izdj.kksa esa vihykFkhZ@ifjoknh dk ifjokn la{ksi esa bl izdkj gS fd vihykFkhZ@ifjoknh us vius LokfeRo ds okgu dk mRrjoknhx.k@fo:) i{kdkjx.k ds ikl chek djk;k FkkA mDr okgu VªkaliksVZ ;ku gS rFkk VªkaliksVZ ;ku ds :i esa gh chekd`r FkkA ebZ 2019 esa f'ko dqekj okfj;kj uked O;fDr us Ny dh fu;r ls vihykFkhZ@ifjoknh dks izfrekg fdjk, nsus dk ykyp nsdj mDr okgu fdjk, esa izkIr dj fy;k vkSj mDr okgu vU;= fodz; dj Qjkj gks x;kA vihykFkhZ@ifjoknh us vius okgu dh dkQh [kkstchu dh] fdara q f'ko dqekj okfj;kj ,oa okgu dk irk ugha pyus ij mlus iqfyl Fkkus esa fjiksVZ ntZ djkbZ vkSj mRrjoknhx.k@fo:) i{kdkjx.k ds le{k nkok izLrqr fd;k] fdarq mRrjoknhx.k@fo:) i{kdkjx.k us vihykFkhZ@ifjoknh }kjk izLrqr chek nkok dks fujLr dj lsok esa deh fd;s tkus ds vk/kkj ij lacaf/kr ftyk vk;ksx ds le{k ifjokn izLrqr dj okgu dh laiw.kZ {kfr jkf'k] 'kkjhfjd ,oa ekufld ihM+k gsrq {kfriwfrZ] {kfriwfrZ jkf'k ij nkok fujLrh fnukad&18-10-2019 ls olwyh fnukad rd 02 izfr'kr ekfld C;kt rFkk okn O;; fnyk;s tkus dk fuosnu fd, gSaA 03- mRrjoknh dzekad&1@fo:) i{kdkj dzekad&1 lacaf/kr ftyk vk;ksx ds le{k vuqifLFkr jgk gS ,oa mldh vksj ls dksbZ fyf[kr dFku] 'kiFk&i= ,oa nLrkost izLrqr ugha gSA Allowed Page 3 of 8 Appeal No. Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Date of FA/2022/191 Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Pronounced On - FA/2022/192 Vinod Kumar Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. 02 .02.2023 FA/2022/193 04- mRrjoknh dzekad&2@fo:) i{kdkj dzekad&2 dh vksj ls lacaf/kr ftyk vk;ksx ds le{k rhuksa izdj.kksa esa ,d leku fyf[kr dFku izLrqr dj vfHkopu fd;k x;k gS fd vihykFkhZ@ifjoknh us vius iz'uk/khu okgu dks f'ko dqekj okfj;kj dks izfrekg fdjk, ij pykus ds fy, fn;k Fkk vkSj f'ko dqekj okfj;kj us mDr okgu vU;= fodz; dj fn;kA bl izdkj vihykFkhZ@ifjoknh us mDr okgu dks fdjk, ij pykus gsrq nsdj chek ikWfylh dh 'krksZa dk mYya?ku fd;k gS ftlds dkj.k mudh dksbZ ns;rk ugha curh gSA mRrjoknh dzekad&2@fo:) i{kdkj dzekad&2 us lsok esa fdlh izdkj ls dksbZ deh ugha dh gSA vr% vihykFkhZ@ifjoknh dk ifjokn fujLr fd;s tkus dk fuosnu fd;k gSA 05- lacfa /kr ftyk vk;ksx us vihykFkhZ@ifjoknh }kjk izLrqr ifjokn dks **miHkksDrk** ugha gksus ,oa izdj.k ds fujkdj.k gsrq foLr`r lk{; dh vko';drk gksus ls Qksje@vk;ksx ds le{k iks"k.kh; ugha gksus ds vk/kkj ij fujLr fd;k gS ftlds fo:) ;g vihy gSA 06- vihykFkhZ@ifjoknh ds fo}ku vfHkHkk"kd Jh vkj- ds- Hkkoukuh dk rdZ gS fd ekuuh; ftyk vk;ksx }kjk ikfjr vkns'k fof/k ,oa rF;ksa ds foijhr gSA vihykFkhZ@ifjoknh us iz'uk/khu okgu dk mRrjoknhx.k@fo:) i{kdkjx.k ds ikl chek djk;k Fkk tks fd VªkaliksVZ ;ku gS rFkk VªkaliksVZ ;ku ds :i esa gh chekd`r FkkA ebZ 2019 esa f'ko dqekj okfj;kj uked O;fDr us Ny dh fu;r ls vihykFkhZ@ifjoknh dks izfrekg fdjk, nsus dk ykyp nsdj mDr okgu fdjk, esa izkIr dj fy;k vkSj mDr okgu vU;= fodz; dj Qjkj gks x;k ftldh lwpuk iqfyl Fkkus esa nh xbZ vkSj nkok izLrqr fd;k x;k] fdarq mRrjoknhx.k@fo:) i{kdkjx.k us chek nkok dks fujLr dj lsok esa deh dh gS ftlds dkj.k vihykFkhZ@ifjoknh us ekuuh; ftyk vk;ksx ds le{k ifjokn izLrqr dj {kfriwfrZ fnyk;s tkus dk fuosnu fd;k] fdarq ekuuh; ftyk vk;ksx Allowed Page 4 of 8 Appeal No. Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Date of FA/2022/191 Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Pronounced On - FA/2022/192 Vinod Kumar Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. 02 .02.2023 FA/2022/193 }kjk izdj.k ds laiw.kZ rF;ksa ij fopkj u djrs gq, ek= vihykFkhZ@ifjoknh dks **miHkksDrk** ugha gksus ,oa izdj.k ds fujkdj.k gsrq foLr`r lk{; dh vko';drk gksus ds dkj.k Qksje@vk;ksx ds le{k iks"k.kh; ugha gksus ds vk/kkj ij fujLr dj fn;k gS tks fd mfpr ugha gSA vihykFkhZ@ifjoknh dk okgu VªkaliksVZ ;ku Fkk] okgu dks fdjk, ij fn;k x;k vkSj mldk VªkaliksVZ okgu ds :i esa chek fd;k x;k Fkk] bl rF; ds ckotwn Hkh pwfa d chek ikWfylh viuh laifRr dh {kfriwfrZ gsrq fy;k x;k Fkk] vr% tgka rd chek lsok ysus dk iz'u gS mls O;kolkf;d iz;kstu ls fy;k tkuk ekudj vihykFkhZ@ifjoknh dks **miHkksDrk** dh Js.kh ls ckgj ugha fd;k tk ldrk vkSj izdj.k esa izLrqr leLr rF;ksa ,oa nLrkostksa ds vk/kkj ij izdj.k dk mfpr fujkdj.k fd;k tk ldrk gSA vr% vihykFkhZ@ifjoknh dh vksj ls izLrqr vihy Lohdkj dj izdj.k xq.k&nks"kksa ij fujkdj.k gsrq ekuuh; ftyk vk;ksx dh vksj izfrizsf"kr fd;k tkosA vihykFkhZ@ifjoknh dh vksj ls vius rdZ ds leFkZu esa Harsolia Motors Vs. National Insurance Co. Ltd. I (2005) CPJ 27 (NC) dk voyacu fy;k gSA 07- mRrjoknhx.k@fo:) i{kdkjx.k ds fo)ku vfHkHkk"kd Jh nhis'k dqekj FkokbZr us lacfa /kr ftyk vk;ksx }kjk ikfjr vkns'k dk leFkZu djrs gq, vihykFkhZ@ifjoknh dh vihy vikLr fd;s tkus dk fuosnu fd;k gSA 08- geus lacfa /kr ftyk vk;ksx }kjk ikfjr vkns'k fnukad&22-11-2022 dk voyksdu fd;kA ewy vfHkys[k Hkh ns[ksA 09- izdj.k esa ;g rF; vfookfnr gS fd vihykFkhZ@ifjoknh us vius LokfeRo ds okgu dk mRrjoknhx.k@fo:) i{kdkjx.k ds ikl chek djk;k FkkA mDr okgu VªkaliksVZ ;ku gS rFkk VªkaliksVZ ;ku ds :i esa gh chekd`r FkkA ebZ 2019 esa f'ko dqekj okfj;kj uked O;fDr us Ny dh fu;r ls vihykFkhZ@ifjoknh dks Allowed Page 5 of 8 Appeal No. Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Date of FA/2022/191 Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Pronounced On - FA/2022/192 Vinod Kumar Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. 02 .02.2023 FA/2022/193 fdjk;k nsus dk ykyp nsdj mDr okgu fdjk, esa izkIr dj fy;k vkSj mDr okgu vU;= fodz; dj Qjkj gks x;k ftldh lwpuk iqfyl Fkkus esa ntZ djkbZ xbZ FkhA 10- vihykFkhZ@ifjoknh ds fo)ku vfHkHkk"kd dk eq[; rdZ ;g gS fd okgu VªkaliksVZ ;ku Fkk] okgu dks fdjk, ij fn;k x;k vkSj mldk VªkaliksVZ okgu ds :i esa chek fd;k x;k Fkk] bl rF; ds ckotwn Hkh pwfa d chek ikWfylh viuh laifRr dh lqj{kk@{kfriwfrZ gsrq fy;k x;k Fkk] vr% vihykFkhZ@ifjoknh **miHkksDrk** dh Js.kh esa vkrk gSA tcfd mRrjoknhx.k@fo:) i{kdkjx.k ds fo)ku vfHkHkk"kd dk rdZ gS fd vihykFkhZ@ifjoknh dk okgu VªkaliksVZ ;ku gS vkSj mldk VªkaliksVZ ;ku ds :i esa jftLVsª'ku ,oa chek fd;k x;k Fkk rFkk vihykFkhZ@ifjoknh }kjk vius mDr okgu dks fdjk, ij fdlh vU; O;fDr dks fn;k x;k Fkk ftlus mDr okgu fdlh vU; dks fodz; dj fn;k blfy, vihykFkhZ@ifjoknh **miHkksDrk** dh Js.kh esa ugha vkrk gSA 11- izdj.k ds rF;ksa ij fopkj djrs gq, ge ;g ikrs gSa fd lacfa /kr ftyk vk;ksx us izdj.k ds xq.k&nks"kksa ij fopkj fd, fcuk vihykFkhZ@ifjoknh dks **miHkksDrk** dh Js.kh esa ugha ekurs gq, ifjokn dks fujLr dj fn;k gS tcfd fof/k dk ;g lqLFkkfir fl}kar gS fd chek dk vuqca/k {kfriwfrZ dk vuqca/k gksrk gS blfy, chek ikWfylh ds O;kolkf;d dkj.kksa ls ysus dk iz'u gh ugha mBrk D;ksfa d chek ikWfylh laifRr dh lqj{kk@{kfriwfrZ gsrq fy;k x;k gSA bl laca/k esa vihykFkhZ@ifjoknh dh vksj ls ekuuh; jk"Vªh; vk;ksx }kjk Harsolia Motors (Supra) esa ikfjr vkns'k dk voyacu fy;k gSA ekuuh; jk"Vªh; vk;ksx us S. R. Pharmacuticals Vs. HDFC Ergo General Insurance Co. Ltd. & Anr. I (2023) CPJ 126 (NC) esa ikfjr vkns'k ds iSjk&11 esa Harsolia Motors (Supra) dks m|`r djrs gq, U;kf;d fl}kar izfrikfnr fd;k gS tks fuEukuqlkj gS%& Allowed Page 6 of 8 Appeal No. Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Date of FA/2022/191 Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Pronounced On - FA/2022/192 Vinod Kumar Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. 02 .02.2023 FA/2022/193 "11. Regarding preliminary issue of maintainability of the Complaint, we find that no complicated facts are involved as alleged by the Opposite Party. The State Commission was very well within its jurisdiction to decide the Consumer Complaint. Opposite Party alleged that as the Complainant was involved in commercial activities, it was not a "Consumer. This Commission in Harsolia Motors v. National Insurance Company Ltd., [I (2005) CPJ 26 (NC)] held that a contract of insurance is a contract of indemnity and, therefore, there is no question of commercial purpose in obtaining insurance coverage. In view of law laid down by Hon'ble Supreme Court, the Complainant is a "Consumer" and the Complaint before the State Commission was maintainable."

12- mijksDr U;k; n`"Vkar ds vkyksd esa izdj.k ds leLr rF;ksa ,oa nLrkostksa ij fopkj mijkar ge bl fu"d"kZ ij igaqprs gSa fd lacfa /kr ftyk vk;ksx }kjk ikfjr vkyksP; vkns'k =qfViw.kZ gksus ls vikLr fd;s tkus ;ksX; gSA 13- vr% vihykFkhZ@ifjoknh dh vksj ls izLrqr vihy Lohdkj dh tkrh gS ,oa laacaf/kr ftyk vk;ksx }kjk ikfjr vkns'k vikLr fd;k tkrk gSA izdj.k ds xq.k&nks"kksa ij fcuk dksbZ fopkj fd, ;g izdj.k lacaf/kr ftyk vk;ksx dks mijksDr U;k; n`"Vkar ds vkyksd esa iqu% xq.k&nks"kksa ij fopkj.k ,oa vkns'k ikfjr djus gsrq izfrizsf"kr fd;k tkrk gSA 14- mHk;i{k izdj.k ds xq.k&nks"kksa ij fopkj.k gsrq ;fn dksbZ nLrkost ,oa fyf[kr rdZ izLrqr djuk pkgsa rks os izLrqr dj ldsaxs ftlds mijkar lacfa /kr ftyk vk;ksx xq.k&nks"kksa ij vkns'k ikfjr djsaxsA mHk;i{k lacfa /kr ftyk vk;ksx ds le{k fnukad&27-02-2023 dks mifLFkr jgsaxsA ;fn mDr frfFk ij lacaf/kr ftyk vk;ksx dk dk;Z fnol u gks rks vkxkeh dk;Z fnol ij mHk;i{k mifLFkr jgsx a sA ewy vfHkys[k vkns'k dh izekf.kr lR; izfrfyfi ds lkFk lacaf/kr ftyk vk;ksx dks rRdky Hksth tkosA vihy dk O;; mHk;i{k Lo;a ogu djsaxsA Allowed Page 7 of 8 Appeal No. Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Date of FA/2022/191 Raj Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. Pronounced On - FA/2022/192 Vinod Kumar Verma Vs. B.M., Shriram General Ins. Co. Ltd. & Anr. 02 .02.2023 FA/2022/193 15- vkns'k dh ewy izfr vihy dzekad&,Q,@2022@191 esa layXu dh tkos ,oa vkns'k dh izekf.kr lR; izfrfyfi vihy dzekad&,Q,@2022@192 ,oa ,Q,@2022@193 esa layXu dh tkosA ¼ U;k;ewfrZ xkSre pkSjfM+;k ½ ¼ Jhefr :fp xks;y ½ v/;{k lnL;

      ¼ xksiky panz 'khy ½                                                 ¼ izeksn dqekj oekZ ½
              lnL;                                                                 lnL;


Pronounced on- 02nd Februry 2023




Allowed                                                                                Page 8 of 8

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Raj Verma vs B.M, Shriram General Insurance Co.Ltd & ... on 2 February, 2023