State Consumer Disputes Redressal Commission
Rakesh Singh vs The Oriental Insurance Company Ltd on 31 May, 2014
15UK O[ MN 7 PL +NN V 'UN I RRN Q ©I UUN V N N YN N V [@ LD 0MK @ M N L TM YLK\ HND G FA/13/645 OD I /)N U I QXN D G: 30.11.2013 jkd'sk flga vk- Jh dnskjukFk flga] mez yxHkx&43 o"kZ] fuoklh&edku ua-&6@,] lMd+ ua-&5] lDsVj&7] fHkykbZ uxj] rglhy o ftyk&nqxZ ¼N-x-½ -----YL K\N ) N K= I R nh vkfsj;UsVy b'a;kjsl as diauh fyfeVM s ] n~okjk&e.My izc/akd] 'kk[kk dk;kZy;&f'koukFk dkEiyDsl] th-b-Z jkM s ] lqiy s k] fHkykbZ] rglhy o ftyk&nqxZ ¼N-x-½ -----P5 UMR NQK OH^ N HN XXK 8 N HZ I U=
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-K J KXN %'GM @ OQ/ N L^NGNMNVD GV YI NR'UN vihykFkhZ dh vkjs ls Jh vkj- d-s jLrkx s h] vf/koDrkA mRrjoknh dh vkjs ls Jh ,y- d-s tk'skh] vf/koDrkA YN QV N I QXND G # # `N MN HN XXK 8 N HZ IU=
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KYN M O NHN = @ Y ^ N vihykFkhZ ¼ifjoknh½ us ;g vihy /kkjk&15 miHkkDsrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkkDsrk fookn izfrrks"k.k Qksje] nqxZ ¼N0x0½ ¼ftls vkxs lfa{kIr eas ^^ftyk Qkjse** lackfs/kr fd;k tk,xk½ ds ifjokn izdj.k dzekd a &118@2013 jkd'sk flga fo:n~/k fn vkfsj,.Vy b'a;ksjsl a daiuh fyfeVsM eas ikfjr vkn'sk fnukd a &06-11-2013 ftlds // 2 // n~okjk vihykFkhZ ¼ifjoknh½ ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gkd s j izLrqr fd;k gSA 02- vihykFkhZ ¼ifjoknh½ dk ifjokn ftyk Qksje ds le{k lfa{kIr esa bl izdkj gS fd vihykFkhZ ¼ifjoknh½ gk.sMk ,fDVok LdwVj dzekd a &lh-th-
07 ,-bZ@4536 dk it a hd`r Lokeh gS vkjS mDr okgu mRrjoknh ¼vukonsd½ ds ikl fnukd a &13-04-2012 ls fnukd a &12-04-2013 dh vof/k ds fy, chfer Fkk vkSj ml le; okgu dk chfer eYw;& 45]449@& ¼iSrakyhl gtkj pkj lkS mupkl :i;½s FkkA fnukd a &04-06-2012 dks ifjoknh dk fe= lqns'k lkx a oskj vihykFkhZ ¼ifjoknh½ ds ?kj vk;k Fkk vkSj 'kke 7-00 cts bfaXy'k dkfspx a Dykl tkus grsq eksVj lk;dy LVkVZ fd;k rks mldk eksVj lk;dy LVkVZ ugha gqvkA bl ij vihykFkhZ ¼ifjoknh½ us viuh gk.sMk ,fDVok LdVwj vius fe= dks dkfspx a Dykl tkus ds fy, fn;k Fkk vkSj lqns'k lkaxoskj us viuh dkfspx a Dykl ds lkeus vihykFkhZ ¼ifjoknh½ ds okgu dks [kMk+ djds ykWd dj dkfspx a Dykl esa x;k Fkk vkSj jkf= 8-30 cts ckgj fudyk rks mDr gk.sMk ,fDVok LdwVj dzekd a &lh-th- 07 ,-bZ@4536 ogka ij ugha FkkA bl ij mlus vkl&ikl ds ykx s kas ls iwNrkN fd;k ijUrq okgu izkIr ugha gqvk rc lqn'sk lkaxsokj us ekcskbZy ls vihykFkhZ ¼ifjoknh½ dks tkudkjh nhA bl ij vihykFkhZ ¼ifjoknh½ vius fe= ds ikl igqp a k Fkk vkSj jkf= 11-00 cts iqfyl Fkkuk dkrsokyh eas ?kVuk dh lp w uk fn;k Fkk rc iqfyl okyksa us dgk Fkk fd vkl&ikl okgu dk irk djas vkSj dqN fnu bratkj dj yk]s ;fn ,d ckj fjiksVZ fy[k fy;k x;k rks lai.wkZ dk;Zokgh gkx s h vkSj dgha vkids fdlh ifjfpr ds n~okjk tkucw>dj okgu ys tk;k x;k gkx s k rks mlds f[kykQ Hkh dk;Zokgh djuh gkx s h] blfy, okgu dh vkl&ikl ryk'k fd, ijUrq okgu ugha feykA bl ij fnukd a &14-06-2012 dks Fkkuk fHkykbZ uxj eas izFke lwpuk&i= ntZ djkbZ xbZ FkhA iqfyl okyksa ds dgus ij vihykFkhZ ¼ifjoknh½ us vkl&ikl okgu ryk'k fd;k Fkk vkSj tc okgu // 3 // ugha feyk rc chek diauh ds le{k nkok izLrqr fd;k Fkk vkSj chek diauh dks fyf[kr eas fnukd a &21-06-2013 dks lwpuk nh xbZ Fkh ijUrq chek diauh n~okjk fnukd a &03-07-2007 dks vihykFkhZ ¼ifjoknh½ ds nkos dks fujLr dj fn;k x;k vkSj QyLo:i vihykFkhZ ¼ifjoknh½ dks ifjokn ykus dh vko';drk iMh+ gSA vr% vihykFkhZ ¼ifjoknh½ dks okgu dh chfer jkf'k&45]449@&¼iSrakyhl gtkj pkj lkS mupkl :i;½s vkSj ml ij pksjh fnukd a ls jde dh vnk;xh fnukad rd 18 izfr'kr okf"kZd C;kt fnykbZ tkos vkSj ekufld ihMk+ ds fy, 10]000@&¼nl gtkj :i;½s fnykbZ tkos vkSj okn O;; ds :i eas 5]000@&¼ikp a gtkj :i;½s fnykbZ tkoAs 03- mRrjoknh ¼vukosnd½ b'a;ksjsl a daiuh us fyf[kr dFku izLrqr dj ;g vfHkopu fd;k gS fd vihykFkhZ ¼ifjoknh½ n~okjk 10 fnu ckn Fkkus esa fjikVsZ fd;k x;k gS vkSj chek diauh dks Hkh vR;f/kd foyac ls lwpuk fn;k x;k FkkA vihykFkhZ ¼ifjoknh½ us chek 'krkZsa dk mYya?ku fd;k gS vkSj vihykFkhZ ¼ifjoknh½ Lo;a mi{skk ds fy, mRrjnk;h gS vkSj vihykFkhZ ¼ifjoknh½ fdlh izdkj dh {kfrifwrZ ikus dk vf/kdkjh ugha gSA vr% vihykFkhZ ¼ifjoknh½ dk ifjokn fujLr fd;k tkoAs 04- ftyk Qkjse us mHk;i{kkas dh vkjs ls izLrqr nLrkot s h lk{; ij fopkj djus ds i'pkr~ ;g fu/kkZfjr djrs gq, fd ifjoknh us Fkkus esa foyca ls fjiksVZ ntZ djk;k Fkk vkSj chek diauh dks Hkh foyac ls lwpuk Hkt s h Fkh vkSj ,l s h fLFkfr eas chek diauh dks Dyes fujLr djus dk i.wkZ vf/kdkj gS vkSj chek diauh us losk eas dkbsZ deh dj O;olkf;d dnkpj.k ugha fd;k gS vkSj vihykFkhZ ¼ifjoknh½ dk ifjokn fujLr dj fn;k gSA // 4 // 05- vihykFkhZ ¼ifjoknh½ dh vkjs ls milt a kr gksus okys vf/koDrk Jh vkj- d-s jLrkx s h dk ;g rdZ gS fd vihykFkhZ ¼ifjoknh½ us vius fe= dks iz'uk/khu okgu dkfspx a Dykl tkus ds fy, fn;k Fkk vkSj iz'uk/khu okgu pkjsh gqvk FkkA vihykFkhZ ¼ifjoknh½ rRdky lwpuk izkIr gksus ds i'pkr~ ?kVuk LFky ij x;k Fkk vkSj vkl&ikl ryk'k fd;k vkSj mlh fnu iqfyl Fkkus dks ekSf[kd :i ls lfwpr fd;k Fkk ijUrq iqfyl n~okjk fjikVsZ ntZ ugha dh xbZ vkSj ekSf[kd funZs'k fn;k x;k fd okgu dh vkl&ikl ryk'k djas mlds i'pkr~ gh fjikVsZ ntZ fd;k tkox s kA vihykFkhZ ¼ifjoknh½ us rRdky ?kVuk dh lwpuk iqfyl dks fn;k Fkk vkSj vxj iqfyl us fjiksVZ ntZ ugha fd;k rks blds fy, vihykFkhZ ¼ifjoknh½ dks mRrjnk;h ugha Bgjk;k tk ldrk gS vkSj dosy foyca ds vk/kkj ij nkok fujLr djuk mfpr ugha gS vkSj vkbZ- vkj- Mh- ,- esU;qvy ds vuqlkj ukWu LVS.MMZ ¼vekud½ ij nkok jkf'k Lohdkj dh tk ldrh gS ijUrq ftyk Qksje us bl rF; dks n`f"Vxr u j[krs gq, vihykFkhZ ¼ifjoknh½ dk ifjokn fujLr dj fn;k gS tks fd i.wkZr% =qfVi.wkZ gSA vr% vihykFkhZ ¼ifjoknh½ ukWu LVS.MMZ ¼vekud½ ds vk/kkj ij {kfrifwrZ ikus dk vf/kdkjh gSA QyLo:i vihykFkhZ ¼ifjoknh½ dh vihy Lohdkj fd;k tkos vkSj ftyk Qkjse n~okjk ikfjr vkykPs; vkns'k fujLr fd;k tkoAs 06- mRrjoknh ¼vukosnd½ b'a;ksjsl a diauh dh vkjs ls milt a kr gkuss okys vf/koDrk Jh ,y- d-s tks'kh us ftyk Qkjse n~okjk ikfjr vkykPs; vkn'sk dk leFkZu djrs gq, fuosnu fd;k gS fd vihykFkhZ ¼ifjoknh½ n~okjk vR;f/kd foyac ls lp w uk fn;k x;k gS vkSj bl izdkj vihykFkhZ ¼ifjoknh½ us chek ds 'krZ ,oa fuc/akukas dk mYy?aku fd;k gSA QyLo:i vihykFkhZ ¼ifjoknh½ fdlh izdkj dh {kfrifwrZ ikus dk vf/kdkjh ugha gS vkSj ftyk Qkjse us tks vkns'k ikfjr fd;k gS og i.wkZr% fof/k vuqlkj gS vkSj mlesa fdlh izdkj ls gLr{ksi dh vko';drk ugha gSA vr% vihykFkhZ // 5 // ¼ifjoknh½ dh vihy fujLr fd;k tkoAs mRrjoknh ¼vukosnd½ dh vksj ls Ramesh Chandra Vs. ICICI Lombard General Insurance Co. Ltd. & Anr. I (2014) 321 (NC) and Virendra Kumar Vs. New India Assurance Co. Ltd. I (2013) CPJ 71 (NC) dk voycau fy;k gSA 07- geus mHk;i{k ds fo}ku vf/koDrkvkas dk rdZ Jo.k fd;k rFkk ftyk Qkjse ds vfHky[sk dk Hkh ifj'khyu fd;kA 08- ftyk Qksje us dsoy ,d ek= vk/kkj ij fd ifjoknh }kjk iqfyl ,oa chek diauh dks vR;f/kd foyca ls lp w uk fn;k Fkk blfy, chek diauh dks nkok vLohdkj djus dk vf/kdkj gS vkSj chek daiuh us fdlh izdkj dh losk eas deh ugha fd;k gS] vihykFkhZ ¼ifjoknh½ ds ifjokn dks fujLr dj fn;k gSA 09- ;g vfookfnr gS fd gk.sMk ,fDVok LdwVj dzekd a &lh-th- 07 ,-
bZ@4536 dk vihykFkhZ ¼ifjoknh½ it a hd`r Lokeh gS vkSj ;g okgu fnukd a &13-04-2012 ls fnukd a &12-04-2013 rd mRrjoknh ¼vukosnd½ b'a;ksjsl a diauh ds ikl chfer FkkA ?kVuk fnukd a &04-06-2012 dh gS vkSj bl izdkj ftl fnu ?kVuk ?kfVr gqbZ Fkh ml fnu okgu mRrjoknh ¼vukonsd½ b'a;kjsl as daiuh ds ikl chfer Fkh vkSj ikWfylh ds vuqlkj okgu dk chfer ewY; 45]449@&¼iSrakyhl gtkj pkj lkS mupkl :i;½s Fk k A 10- vihykFkhZ ¼ifjoknh½ dh vkjs ls izFke lp w uk&i= ¼,uDs'pj&lh 2½ izLrqr fd;k gS ftlds ifj'khyu ls Li"V gS fd Fkkus eas ?kVuk dh fjikVsZ fnukd a &10-06-2012 dks dh xbZ gS vFkkZr~ ?kVuk ds lkroas fnu izFke lp w uk&i= ntZ djkbZ xbZ gS rFkk mRrjoknh ¼vukonsd½ b'a;kjsl as daiuh // 6 // dks ,uDs'pj&lh 4 dk i= fy[kk x;k gS og fnukd a &21-06-2012 dks fy[kk x;k gS] og Hkh yxHkx 17 fnu ckn gSA blls Li"V gS fd vihykFkhZ ¼ifjoknh½ us iqfyl Fkkus eas vkSj mRrjoknh ¼vukonsd½ ba';kjssl a diauh dks vR;f/kd foyca ls lwpuk fn;k gSA 11- mRrjoknh ¼vukonsd½ ba';kjsl as diauh us tks Ramesh Chandra Vs. ICICI Lombard General Insurance Co. Ltd. & Anr.(Supra) ds U;k; n`"Vkar dk voyacu fy;k gS mleas 11 fnu ckn foyca ls lp w uk fn;k x;k Fkk vkSj mlh izdkj Virendra Kumar Vs. New India Assurance Co.
Ltd. (Supra) eas 15 fnu ckn lp w uk fn;k Fkk] rks ekuuh; jk"Vªh; vk;kx s n~okjk ;g fu/kkZfjr fd;k gS fd chek diauh us ifjoknh ds nkos dks mfpr :i ls vLohdkj fd;k gS vFkkZr~ nkok fujLr djuk U;k;kfspr FkkA ijUrq bl izdj.k ds rF;ksa dks n[skrs gq, mDr U;k; n`"Vkarksa dk ykHk mRrjoknh ¼vukonsd½ ba';kjsasl daiuh dks ugha feyrk gSA 12- National Insurance Company v. Lajwanti, II (2007) CPJ 48 (NC), eas ekuuh; jk"Vªh; vk;kx s n~okjk ;g fu/kkZfjr fd;k x;k gS fd%& "the vehicle was stolen on 19.01.2002 at about 4.00 a.m. and report was lodged on the same day under Section 379, IPC and despite best efforts made by Police, the car could not be traced. The claim of the complainant was repudiated by the Insurance Company on the ground that stolen was doubtful. The State Commission allowed the appeal and awarded compensation to the complainant and National Commission upheld the finding recorded by the State Commission."
13. Amalendu Sahoo v. Oriental Insurance Co. Ltd., II (2010) CPJ 9 (SC), eas ekuuh; lokZsPp U;k;y; n~okjk ;g fu/kkZfjr fd;k x;k gS fd%& // 7 // "12. Reference in this case may be made to the decision of National Commission rendered in the case of United India Insurance Company Limited v. Gian Singh, reported in II (2006) CPJ 83 (NC) = 2006 CTJ 221 (CP) ((NCDRC). In that decision of the National Consumer Disputes Redressal Commission (NCDRC) it has been held that in a case of violation of condition of the policy as to the nature of use of the vehicle, the claim ought to be settled on a non-standard basis. The said decision of the National Commission has been referred to by this Court in the case of National Insurance Company v. Nitin Khandelwal, reported in IV (2008) CPJ 1 (SC) = 2008 (7) SCALE 351. In paragraph 13 of the judgment, in the case of Nitin Khandelwal (supra) this Court held :
"...... The appellant Insurance Company is liable to indemnify the owner of the vehicle when the insurer has obtained comprehensive policy for the loss caused to the insurer. The respondent submitted that even assuming that there was a breach of condition of the insurance policy, the appellant Insurance Company ought to have settled the claim on non-standard basis."
14. National Insurance Company Ltd. Vs. Nitin Khandelwal, IV (2008) CPJ 1 (SC), eas ekuuh; lokZsPp U;k;y; n~okjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. In the case in hand, the vehicle has been snatched or stolen. In the case of theft of vehicle breach of condition is not germane. The appellant Insurance Company is liable to indemnify the owner of the vehicle when the insurer has obtained comprehensive policy for the loss caused to the insurer. The respondent submitted that even assuming that there was a breach of condition of the insurance policy, the appellant Insurance Company ought to have settled the claim on non standard basis. The Insurance Company cannot repudiate the claim in toto in case of loss of vehicle due to theft.
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14. In the facts and circumstances of the case, the real question is whether, according to the contract between the respondent and the appellant, the respondent is required to be indemnified by the appellant. On the basis of the settled legal position, the view taken by the State Commission cannot be faulted and the National Commission has correctly upheld the said order of the State Commission"
15. Baljeet v. United India Insurance Company Limited., 2014 (1) CPR 61 (NC), eas ekuuh; jk"Vªh; vk;kx s n~okjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. The above issue is no more resintegra. Similar question came up for consideration before the National Commission in the matter of United India Insurance Company Limited Vs. Gian Singh (2006) 2 CPJ 83 (NC) wherein it has been held that in case violation of conditions of the policy so as to nature of use of the vehicle, the claim ought to be settled on a non-standard basis.
13. The question whether the insurance company is justified in repudiating the claim of the insured for violation of the terms and conditions of the insurance policy in the case of theft of vehicle came up before the Hon'ble Supreme Court in the matter of National Insurance Company Limited Vs. Nitin Khandelwal (2008) 11 SCC 259, wherein the Hon'ble Supreme Court observed thus :
"In the case in hand, the vehicle has been snatched or stolen. In the case of theft of vehicle breach of condition is not germane. The appellant Insurance Company is liable to indemnify the owner of the vehicle when the insurer has obtained comprehensive policy for the loss caused to the insurer. The respondent submitted that even assuming that there was a breach of condition of the insurance policy, the appellant Insurance Company ought to have settled the claim on non-standard basis. The Insurance Company cannot repudiate the claim in toto in case of loss of vehicle due to theft.
// 9 // In the instant case, the State Commission allowed the claim only on non-standard basis, which has been upheld by the National Commission. On consideration of the totality of the facts and circumstances in the case, the law seems to be well settled that in case of theft of vehicle, nature of use of the vehicle cannot be looked into and the Insurance Company cannot repudiate the claim on that basis.
In the facts and circumstances of the case, the real question is whether, according to the contract between the respondent and the appellant, the respondent is required to be indemnified by the appellant. On the basis of settled legal position, the view taken by the State Commission cannot be faulted and the National Commission has correctly upheld the said order of the State Commission".
16- mijkDsr U;k; n`"Vkraksa ds ifjiz{s; eas chek daiuh dks nkok dks i.wkZ :i ls fujLr ugha fd;k tkuk Fkk vfirq ukWu LVS.MMZ ¼vekud½ vk/kkj ij chfer eYw; dk 75 izfr'kr dk Hkqxrku fd;k tkuk pkfg, Fkk tcfd chek diauh us vihykFkhZ ¼ifjoknh½ ds lai.wkZ nkos dks fujLr dj fn;k gS og i.wkZr% =qfVi.wkZ gSA 17- chek ikWfylh ds vuqlkj okgu dk chfer eYw; 45]449@& ¼iSrakyhl gtkj pkj lkS mupkl :i;½s gS vkSj mldk ukWu LVS.MMZ ¼vekud½ vk/kkj ij 75 izfr'kr 34]086-75 ¼pkSrahl gtkj fN;klh :i;s ipgRrj iSl½s ftls iw.kkd aZ eas 34]087@&¼pkSrahl gtkj lrklh :i;½s fu/kkZfjr fd;k tkrk gS] vihykFkhZ ¼ifjoknh½ izkIr djus dk vf/kdkjh gSA 18- mijkDsr foop s uk ds vk/kkj ij vihykFkhZ ¼ifjoknh½ dh vihy Lohdkj fd;k tkrk gS vkSj ftyk Qksje n~okjk ikfjr vkyksP; vkn'sk fnukd a &06-11-2013 fujLr fd;k tkrk gS rFkk ;g vknfs'kr fd;k tkrk // 10 // gS fd mRrjoknh ¼vukosnd½ b'a;kjsl as diauh bl vk;kx s ds vkn'sk fnukd a ls 30 fnu ds Hkhrj vihykFkhZ ¼ifjoknh½ dks 34]087@&¼pkSrahl gtkj lrklh :i;½s {kfrifwrZ ds :i eas vnk djx s kA ;fn mRrjoknh ¼vukonsd½ b'a;ksjsl a daiuh 30 fnu ds Hkhrj mDr jkf'k vnk djus esa pd w djrk gS rc mRrjoknh ¼vukosnd½ b'a;ksjasl diauh mDr 34]087@&¼pkSrahl gtkj lrklh :i;½s ij vihykFkhZ ¼ifjoknh½ dks 09 izfr'kr okf"kZd C;kt dh nj ls C;kt jde dh vnk;xh fnukd a rd vnk djx s kA izdj.k dh ifjfLFkfr;kas dks n[skrs gq, i{kdkj viuk&viuk okn O;; Lo;a ogu djx as sA ¿ 8 N HZ I U= YN M O NHN = ¾ ¿ OT
-K J KXN %'GM ¾ Y ^ N OQ/ N # # # #