State Consumer Disputes Redressal Commission
The National Insurance Co.Ltd. vs Kamlesh Kumar Sahu on 2 June, 2016
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh jru iqf"V] vf/koDrkA mRrjoknh dh vksj ls Jh deys'k lkgw] vf/koDrkA vkns'k fnukad% 02@06@2016 }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] dksjck ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ // 2 // ds ifjokn izdj.k dzekad&15@15 deys'k dqekj lkgw fo:} 'kk[kk izca/kd] us'kuy ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k fnukad&15-06- 2015 ftlds }kjk mRrjoknh@ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **v- vkosnd dks mlds fookfnr chfer gkbZok Vªd iath;u dzekad&lh-th- 12 lh@2453 dh chek/ku jkf'k&9]00]000@&¼ukS yk[k :Ik;s½ dks vukosnd vkt ls 02 ekg ds vanj Hkqxrku djsA mDr jkf'k ds laca/k esa ifjokn izLrqfr fnukad&11-02-2015 ls 09 izfr'kr dh nj ls okf"kZd C;kt dk Hkh Hkqxrku djsA vk- mijksDr vkns'k dk ikyu mDr vof/k esa vukosnd ds }kjk ugha fd;s tkus ij mijksDr jkf'k ds laca/k esa ifjokn izLrqfr fnukad&11-02-2015 ls 12 izfr'kr dh nj ls okf"kZd C;kt nsuk gksxkA b- vkosnd dks ekufld {kfriwfrZ ds :Ik esa 10]000@&¼nl gtkj :Ik;s½ vukosnd iznku djsA bZ- vkosnd dks ifjokn O;; ds :Ik esa 2]000@&¼nks gtkj :Ik;s½ vukosnd iznku djsA** ls nqf[kr gksdj izLrqr fd;k gSA 02- ftyk Qksje ds le{k mRrjoknh@ifjoknh dk ifjokn laf{kIr esa bl izdkj jgk gS fd mRrjoknh@ifjoknh vius thfodksiktZu ds fy, okgu ¼Vªd gkbZok½ dk lapkyu djrk Fkk ftldk dzekad&lh-th- 12 lh@2453 gSA mRrjoknh@ifjoknh us vius mDr okgu ds lapkyu esa gksus okyh leLr tksf[keksa ls cpus gsrq fnukad&03-05-2013 dks vihykFkhZ@vukosnd dk;kZy; esa 34]411@&¼pkSarhl gtkj pkj lkS X;kjg :Ik;s½ tek dj vius mDr okgu dk chek djk;k Fkk tks fnukad&03-05- // 3 // 2013 ls fnukad&02-05-2014 rd ds fy, oS/k FkkA mRrjoknh@ifjoknh us vius mDr okgu dks vius ifjfpr fcykliqj fuoklh vCnqy xQqj firk Jh 'kCchj [kku dks fnukad&28-09-2013 dks izfrekg 50]000@&¼ipkl gtkj :Ik;s½ ij fdjk;s esa pykus ds fy, fn;k Fkk ftlds }kjk mDr okgu dks fcykliqj ys tkus ds mijkar vkt fnukad rd mDr okgu o fdjk, dh jkf'k mRrjoknh@ifjoknh dks ugha fn;k vkSj u gh vCnqy xQqj firk Jh 'kCchj [kku dk dksbZ vrk&irk py ldk gS vkSj u gh mDr okgu dk vkt fnukad rd dksbZ irk py ldk gS ftlds laca/k esa mRrjoknh@ifjoknh }kjk dkQh [kkst&chu djus ds mijkar Hkh mDr okgu dk dksbZ irk ugha py ldk gS ftlds laca/k esa mRrjoknh@ifjoknh ds }kjk fnukad&26-12-2013 dks Fkkuk njhZ esa mDr okgu ls lacaf/kr f'kdk;r ntZ djkbZ xbZ ftl ij njhZ Fkkuk ds }kjk f'kdk;r izkIr gks tkus ds mijkar Hkh fdlh Hkh izdkj dh dksbZ dk;Zokgh ugha djus ij mRrjoknh@ifjoknh }kjk dV?kksjk ds U;k;ky; esa mDr O;fDr vCnqy xQqj firk 'kCchj [kku ds fo:} nkf.Md ifjokn izLrqr izLrqr fd;k ftl ij U;kf;d n.Mkf/kdkjh izFke Js.kh] dV?kksjk ds }kjk ifjokn&i= Lohdkj dj mDr O;fDr ds fo:} fxj¶rkjh okj.V tkjh fd;k x;k gS] ijUrq vkt fnukad rd mDr O;fDr ekeys easa Qjkj py jgk gSA mDr O;fDr }kjk fd, x, d`R; ls mRrjoknh@ifjoknh dks vkfFkZd {kfr dkfjr gqbZ gS rFkk mRrjoknh@ifjoknh vius mDr laifRr ls LFkk;h :Ik ls oafpr gks x;k gSA mRrjoknh@ifjoknh }kjk leLr nLrkostksa lfgr mDr okgu dh chek jkf'k izkIr djus gsrq fnukad&23-07-2014 fd;k ftl ij vihykFkhZ@vukosnd }kjk foxr 06 ekg ls mRrjoknh@ifjoknh dks ;g dgdj fd vihykFkhZ@vukosnd ds eq[;ky; ls 'kh?kz gh mDr nkok dh jde izkIr gks tkosxh dk vk'oklu nsdj ?kqekrs jgk gS vkSj vkt fnukad rd nkok jkf'k iznk; ugha fd;k x;k gSA mDr okgu ds lapkyu // 4 // ds nkSjku fdlh Hkh izdkj ls vkbZ {kfr ij vihykFkhZ@vukosnd chfer okgu dk ?kksf"kr ewY; vnk djus gsrq tokcnsg Fkk fQj Hkh vihykFkhZ@vukosnd ds }kjk nkok izkIr djus ,oa vUos"k.k djus ds Ik'pkr~ Hkh vkt fnukad rd mRrjoknh@ifjoknh dks chek jkf'k dk Hkqxrku ugha fd;k x;k gS 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- vihykFkhZ@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ;g vfHkopu fd;k x;k gS fd okgu dzekad&lh-th-12 lh@2453 dk chek fnukad&03-05-2013 ls fnukad&02-05-2014 rd ds fy, fd;k x;k FkkA okgu dk chek] chek 'krksZa ds v/khu tksf[keksa ds vk/kkj ij chek daiuh dk nkf;Ro fu/kkZfjr gksrk gSA mRrjoknh@ifjoknh ds }kjk ;g crk;k tk jgk gS fd mlds }kjk okgu dks fdjk, ij pykus ds fy, fn;k x;k Fkk vkSj mRrjoknh@ifjoknh }kjk viuh lgefr ls okgu dks fn;s tkus ds vk/kkj ij vkSj mDr okgu dk irklkth fd;s tkus ds mijkar irk ugha pyus ij mRrjoknh@ifjoknh ds }kjk mDr ekeys ckor~ nkf.Md ifjokn izLrqr fd;s tkus ds laca/k esa mRrjoknh@ifjoknh vkSj mlds fdjk;snkj ds e/; dk fookn gksus ds dkj.k chek daiuh dk bl ekeys ls dksbZ laca/k ugha gSA vihykFkhZ@vukosnd chek daiuh }kjk nkok dh jde Hkqxrku djus dk dksbZ vk'oklu ugha fn;k x;k FkkA mRrjoknh@ifjoknh ds }kjk Lo;a viuk okgu LosPN;k ls vU; O;fDr dks fdjk, ij fn;k ftls og vc ykSVk ugha jgk gSA mDr nkok okgu dh ikWfylh dh ifjf/k esa ugha gksus ds dkj.k ls mRrjoknh@ifjoknh }kjk izLrqr nkok dks Hkqxrku ;ksX; chek daiuh ds }kjk ugha gksuk ik;k x;k gS vkSj bl ckor~ l{ke vf/kdkjh dks Lohd`fr gsrq Hkstk x;k gS vkSj Lohd`fr izkIr gksrs gh nkok jkf'k Hkqxrku // 5 // fd;s tkus vFkok ugha fd;s tkus dh lwpuk mRrjoknh@ifjoknh dks izsf"kr dh tkuh gS] ijUrq mRrjoknh@ifjoknh }kjk blls iwoZ f'kdk;r izLrqr dh xbZ gS tks fujLrh ;ksX; gSA mRrjoknh@ifjoknh dks tks {kfr dkfjr gqbZ gS og mlds Lo;a dh ykijokgh ls gqbZ gSA mRrjoknh@ifjoknh] chek daiuh ls fdlh izdkj dh {friwfrZ ;k vU; vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu eas ftyk Qksje ds le{k chek ikWfylh (Annexure A-1)] lfVZfQdsV vkWQ jftLVªs'ku (Annexure A-2)] eky ;ku vuqKki= (Annexure A-3)] fyf[kr fjiksVZ fnukad&25-12-2013 (Annexure A-4) dh QksVks dkih rFkk ifjokn&i= varxZr /kkjk&200 n.M izfdz;k lafgrk (Annexure A-5) dh lR; izfrfyfi] nkok lwpuk&i= fnukad&22-07-2014 (Annexure A-6) dh dkcZu izfr rFkk eksVj nkok izi= (Annexure A-6 B) dh QksVks dkih rFkk vf/koDrk uksfVl fnukad&20-01-2015 (Annexure A-7) dh f}rh; izfr izLrqr fd;k gSA 05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k iksLVy jlhn fnukad&05-03-2015 (Annexure D-1) rFkk vf/koDrk uksfVl dk tokc fnukad&02-02-2015 (Annexure D-2) dh QksVks dkih izLrqr fd;k gSA 06- ftyk Qksje us mHk;{k }kjk izLrqr vfHkopu ,oa nLRkkosth lk{; ds ifj'khyu ds Ik'pkr~ mRrjoknh@ifjoknh ds ifjokn dks Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS] ftlds fo:} ;g vihy gSA 07- vihykFkhZ@vukosnd dh vksj ls vkns'k&41 fu;e&27 lh- ih- lh- dk vkosnu&i= izLrqr fd;k x;k gSA vihykFkhZ@vukosnd us mDr // 6 // vkosnu&i= ds lkFk us'kuy ba';ksjsal daiuh fyfeVsM ds ikWfylh 'krksZa dks izLrqr djuk pkgk gSA 08- vkosnu&i= ij lquk x;kA 09- vkosnu&i= ij fopkj fd;k x;kA 10- mRrjoknh@ifjkoknh us vius ifjokn&i= esa ;g vfHkopu fd;k gS fd okgu fnukad&03-05-2013 ls fnukad&02-05-2014 rd ds fy, chfer Fkk rFkk vihykFkhZ@vukosnd us Hkh bl rF; dks Lohdkj fd;k gS vkSj ftyk Qksje ds le{k ikWfylh izLrqr fd;k x;k gSA ,slh fLFkfr esa ikWfylh 'krkZsa dks vihyh; voLFkk esa vfHkys[k esa fy;s tkus ij mRrjoknh@ifjoknh ij dksbZ izfrdwy izHkko ugha iM+rk gSA 11- vr% vkosnu&i= vkns'k&41 fu;e&27 lh- ih- lh- Lohdkj fd;k tkrk gS vkSj vihykFkhZ@vukosnd }kjk izLrqr nLrkost vihyh; voLFkk esa vfrfjDr lk{; ds :Ik esa vfHkys[k esa fy;k tkrk gSA 12- tgka rd xq.k&nks"k dk laca/k gS] vihyFkhZ@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jru iqf"V dk ;g rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA bl izdj.k esa mRrjoknh@ifjoknh ds vuqlkj mlus okgu dks pykus ds fy, 50]000@&¼ipkl gtkj :Ik;s½ ekfld fdjk, ij vCnqy xQqj uked O;fDr dks fn;k Fkk vkSj vCnqy xQqj }kjk okgu okil ugha fd;k x;kA bl izdkj ;g izdj.k vijkf/kd U;kl Hkax dk gS u fd pksjh dkA blfy, chek ikWfylh ls vkPNkfnr ugha gS rFkk mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd ba';ksjsal daiuh dks 07 ekg ckn lwpuk fn;k x;k FkkA ;gka rd fd Fkkus esa Hkh yxHkx 03 ekg ckn fjiksVZ ntZ djkbZ xbZ Fkh] ijUrq ftyk Qksje us bu rF;ksa dks // 7 // /;ku esa fn, fcuk vkyksP; vkns'k ikfjr dj fn;k gS tks fd =qfViw.kZ gSA vr% vihykFkhZ@vukosnd dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vihykFkhZ@vukosnd dh vksj ls New India Assurance Company Limited Vs. Trilochan Jane, IV (2012) CPJ 441 (NC) dk voyacu fy;k gSA 13- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh deys'k lkgw dk ;g rdZ gS fd ftyk Qksje dk vkns'k fof/k lEer vkns'k gS] mlesa fdlh izdkj dh dksbZ voS/kkfudrk ugha gSA pksjh vkSj vijkf/kd U;kl Hkax nksuksa Hkkjrh; n.M lafgrk ds v/;k;&17 ds varxZr laifRr ds fo:} vijk/k gS rFkk vijkf/kd U;kl Hkax ,d izdkj ls pksjh gS vkSj vCnqy xQqj }kjk mRrjoknh@ifjoknh dk mDr okgu okil ugha fd;k x;k] blfy, mRrjoknh@ifjoknh }kjk lacaf/kr Fkkus esa fjiksVZ djrs gq, U;kf;d eftLVsªV izFke Js.kh] dV?kksjk ds U;k;ky; esa /kkjk&406 ,foa 420 Hkk- n- fo- ds rgr ifjokn lafLFkr fd;k gS vkSj pwafd okgu chfer Fkk vkSj chfer vof/k esa okgu dks nqfoZfu;ksx fd;k x;k gS blfy, chek daiuh {kfriwfrZ ds fy, nkf;Rok/khu gS vkSj ftyk Qksje us tks fu"d"kZ fudkyk gS og iw.kZr% mfpr gSA vr% vihykFkhZ@vukosnd dh vihy fujLr fd;k tkosA mRrjoknh@ifjoknh dh vksj ls Venkateshwara Borewells Vs. Oriental Insurance Co. Ltd.; III (2002) CPJ 308 (NC) dk voyacu fy;k gSA 14- geus mHk;i{k 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 // 8 // 15- ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&12 esa jkrqy nkl fo:} vksfj,.Vy ba';ksjsal daiuh fyfeVsM 2009 ¼2½ ,lhlhMh 657 ¼xkSgkVh mPp U;k;ky;½ ds U;k; n`"Vkar dk voyacu ysrs gq, ;g fu/kkZfjr fd;k gS fd **okgu dks HkkM+s ij ysus ds cgkus ;kf=;ksa ds }kjk okgu pkyd ds lkFk vf/kgj.k dj fy;s tkus ds ckn mDr okgu dHkh Hkh okil ugha ykSVk;k x;k] mlds laca/k esa /kkjk&406] 420] 379 Hkk-n-fo- ds v/khu nkf.Md izdj.k dk ekeyk lkfcr fd;s tkus gsrq lk{; ds vHkko esa R;kx fn;s tkus ij Hkh chek iz;kstu ds fy, nkf.Md fof/kd ds v/khu rFkk visf{kr pksjh ds lcwr dh vko';drk ugha gksuk crkrs gq, chfer okgu ds Lokeh dks mDr okgu ls oafpr fd;s tkus dk rF; LFkkfir gksus ij chek 'krkZsa ds v/khu okgu Lokeh dks eqvkots dk gdnkj gksuk ekuk x;k gS** rFkk vkns'k dh dafMdk&11 esa vksfj,.Vy ba';ksjsal daiuh fyfeVsM fo:} jksfgr dqekj xqIrk 1994 ¼1½ lh- ih- ts- 196 ¼,ulh½ dk voyacu ysrs gq, ;g crkus dk iz;kl fd;k x;k gS fd **okgu Lokeh ds }kjk okgu pkyd dks okgu lkSais tkus ds ckn ;fn mDr pkyd okgu dks okil u dj okgu dks pksjh vFkok nqfoZfu;ksx dj ysrk gS rks okgu Lokeh mDr okgu ds ugha feyus ij laiw.kZ chek jkf'k izkIr djus dk vf/kdkjh gksxkA** 16- orZeku izdj.k dh ifjfLFkfr esa mDr nksuksa U;k; n`"Vkarksa dk ykHk mRrjoknh@ifjoknh dks ugha feyrk gSA jkrqy nkl fo:} vksfj,.Vy ba';ksjsal daiuh fyfeVsM ¼mijksDr½ ds U;k; n`"Vkar ds ifj'khyu ls Li"V gS fd ;kf=;ksa }kjk fnukad&24-05-2003 dks ;ku dks 10%00 cts iwokZUg esa HkkM+s ij fy;k x;k Fkk vkSj rRlaca/k esa fnukad&26-05-2003 dks gh izFke lwpuk&i= ntZ djk;k x;k FkkA bl izdkj ?kVuk ds rhljs fnu gh izFke lwpuk&i= ntZ djk;k x;k Fkk vkSj bl vk/kkj ij chek daiuh dks nkf;Rok/khu ekuk x;k FkkA izLrqr izdj.k esa mRrjoknh@ifjoknh ds // 9 // vuqlkj fnukad&28-09-2013 dks 50]000@&¼ipkl gtkj :Ik;s½ ekfld fdjk, ij pykus ds fy, vCnqy xQqj firk 'kCchj [kku dks fn;k Fkk vkSj mRrjoknh@ifjoknh }kjk fnukad&26-12-2013 dks Fkkuk njhZ esa mDr okgu ds laca/k esa izFke ckj f'kdk;r ntZ djk;k x;k FkkA bl izdkj ?kVuk ds 03 ekg ckn iqfyl dks lwpuk fn;k x;k Fkk rFkk chek daiuh dks fnukad&22-07-2014 dks lwpuk nh xbZ FkhA ifjokn&i= ds ifj'khyu ls Li"V gS fd mRrjoknh@ifjoknh us fnukad&28-09-2013 dks okgu dks vCnqy xQqj dks 50]000@&¼ipkl gtkj :Ik;s½ ekfld fdjk, ij pykus ds fy, fn;k Fkk rFkk mRrjoknh@ifjoknh dks ;g tkudkjh Fkk fd vCnqy xQqj }kjk fdjk, dh jkf'k vnk ugha fd;k tk jgk gS vkSj og okgu ds laca/k esa vijkf/kd U;kl Hkax dj jgk gS rks ,slh fLFkfr esa mls rRdky lwpuk lacaf/kr iqfyl Fkkus dks nsuk pkfg, Fkk ijUrq mRrjoknh@ifjoknh }kjk fnukad&26-12-2013 dks izFke ckj fyf[kr f'kdk;r iqfyl Fkkuk] njhZ] ftyk dksjck esa fd;k x;k Fkk rFkk chek daiuh dks fnukad&22-07-2014 dks lwpuk nh xbZ gSA mijksDr ifjfLFkfr esa ftyk Qksje us ftu U;k; n`"Vkarksa dk voyacu fy;k gS] mlds rF; bl izdj.k ds rF; ls iw.kZr% fHkUu gS vkSj mldk ykHk mRrjoknh@ifjoknh dks ugha feyrk gSA 17- New India Assurance Company Limited Vs. Trilochan Jane (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "9. In the case of theft where no bodily injury has been caused to the insured, it is incumbent upon the respondent to inform the Police about the theft immediately, say within 24 hours, otherwise, valuable time would be lost in tracing the vehicle. Similarly, the insurer should also be informed within a day or two so that the insurer can verify as to whether any theft had taken place and also to take immediate steps to get the vehicle traced. The insurer can coordinate and cooperate // 10 // with the Police to trace the car. Delay in reporting to the insurer about the theft of the car for 9 days, would be a violation of condition of the Policy as it deprives the insures of a valuable right to investigate as to the commission of the theft and to trace/help in tracing the vehicle.
12. ........In the present case, the respondent did not care to inform the Insurance Company about the theft for a period of 9 days, which could be fatal to the investigation. The delay in lodging the F.I.R. after 2 days of the coming to know of the theft and 9 days to the Insurance Company, can be fatal as, in the meantime, the car could have travelled a long distance or may have been dismantled by that time and sold to Kabaadi (Scrap dealer)."
18- Revision Petition No.1782 of 2015 - Siddhanth Yadav vs Oriental Insurance Company Limited, decided by Hon'ble National Commission on 30.07.2015, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "9. We find that the District Forum has extensively dealt with the issue regarding the delay in the petitioner informing the respondent in their order as reproduced in paragraph 4 above. The State Commission in their order have also exhaustively dealt with the contention of the counsel that in view of the IRDA circular dated 20.09.2011 the respondent should not have repudiated the claim on the ground of delay alone unless the reasons for delay are specifically ascertained and the insurers have satisfied themselves that the delayed claims would otherwise have been rejected even if reported on time. The State Commission held that this circular was merely an advisory to the insurance companies. It will not overwrite a specific condition mentioned in the policy. Unless the insurance companies incorporate the changes in the policy document, delay will be settled // 11 // to a claim of theft of vehicle as per the existing terms and conditions of the policy.
10. We find that the Petitioner has nowhere explained the reasons for the delay in informing the respondent by giving a written notice regarding the theft of the vehicle to the respondent as per the terms and conditions of the policy."
19. Revision Petition No.3548 - 3549 of 2013 - Ramesh Chandra vs. I.C.I.C.I. Lombard General Insurance Company Limited and another, decided by Hon'ble National Commission on 13.01.2014, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. It is contended by learned counsel for the petitioner that the State Commission has committed a grave error in failing to appreciate that during police investigation, one Akbar was arrested who confessed that he had stolen the truck. As such, there can be no doubt about the correctness of the story of the theft of the truck. This factor, in our view, is of no avail to the petitioner particularly when he has violated the terms and conditions of the insurance policy by failing to report the theft to the police as well as the insurance company within a reasonable time. Even the judgment of the Supreme Court in the matter of Amalendu Sahoo Vs. Oriental Insurance Co. Ltd. II (2010) CPJ 9 (SC) is of no avail to the petitioner for the reason that aforesaid judgment is based on its own peculiar facts. In that case, the vehicle insured was a personal vehicle but it was used for hire which according to the insurance company was violative of the terms and conditions of the policy. The aforesaid misuser which was subject matter of the Amalendu Sahoo's case had no casual link to the theft.
// 12 // However, in the instant case, the violation committed by the petitioner is grave because by failing to intimate the theft to the police and the insurance company, the petitioner has prevented those authorities from taking prompt action to locate and recover the truck."
20. Jaspal Kaur & Anr. vs. New India Assurance Company Limited, II (2015) CPJ 727 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. We are of the considered view that the order passed by the State Commission cannot be faulted. The Apex Court in Oriental Insurance Co. Ltd. v. Parvesh Chander Chadha, Civil Appeal No.6739, decided on 17.08.2010, was pleased to hold :
"Admittedly the respondent had not informed the appellant about the alleged theft of the insured vehicle till he sent letter dated 22.5.1995 to the Branch Manager. In the complaint filed by him, the respondent did not give any explanation for this unusual delay in informing the appellant about the incident which give rise to cause for claiming compensation. Before the District Forum, the respondent did state that he had given copy of the first information report to Rajender Singh Pawar through whom he had insured the car and untraced report prepared by police on 19.9.1995 was given to the said Shri Rajender Singh Pawar, but his explanation was worthless because in terms of the policy, the respondent was required to inform the appellant about the theft of the insured vehicle. It is difficult, if not impossible to fathom any reason why the respondent, who is said to have lodged First Information Report on 20.1.1995 about the theft of car did not inform the Insurance Company about the incident. In terms of the policy // 13 // issued by the appellant, the respondent was duty bound to inform it about the theft of the vehicle immediately after the incident. On account of delayed intimation, the appellant was deprived of its legitimate right to get an inquiry conducted into the alleged theft of the vehicle and make an endeavour to recover the same. Unfortunately, all the consumer Foras omitted to consider this grave lapse on the part of the respondent and directed the appellant to settle his claim on non-standard basis. In our view, the appellant cannot be saddled with the liability to pay compensation to the respondent despite the fact that he had not complied with the terms of the policy."
4. Again this Commission in the case of New India Assurance Co. Ltd. vs. Trilochan Jane, IV (2012) CPJ 441 (NC) = in First Appeal No.321 of 2005, decided on 09.12.2009 took the same view and discussed the word immediately :
"As per Strouds Judicial Dictionary, Fifth Edition, word immediately is defined as under :
(1) The word immediately, although in strictness it excludes all mean times, yet to make good the deeds and intents of parties it shall be construed such convenient time as is reasonable requisite for doing the thing.
As per Black's Law Dictionary, Sixth Edition, word immediately means :
Immediately. Without interval of time, without delay, straightaway, or without any delay or lapse of time. When used in contract is usually construed to mean within a reasonable time having due regard to the nature of the circumstances of the case, although strictly, it means, not deferred by any period of time. The words immediately and // 14 // forthwith have generally the same meaning. They are stronger than the expression within a reasonable time and imply prompt, vigorous action without any delay."
Halsbury's Laws of England, 4th Ed., Vol. 23, para 1618, p. 1178 where it meant immediately is to be construed as meaning with all reasonable speed, considering the circumstances of the case.
The word immediately is stronger than the expression within a reasonable time. It was held that compensation on non-standard basis cannot be granted. The case of National Insurance Company Limited v. Nitin Khandelwal, reported in IV (2008) CPJ 1 (SC) = (2008) 11 SCC 256, was also discussed."
21. Shriram General Insurance Co. Ltd. & Anr. vs. Gurshinder Singh & Anr., II (2015) CPJ 750 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. Admittedly, there is delay of 52 days in intimation to Insurance Company. Learned Counsel for the petitioner placed reliance on judgment of this Commission in IV (2012) CPJ 441 (NC), New India Assurance Co. Ltd. v. Trilochan Jane, in which on account of delay of 2 days in lodging FIR and delay of 9 days in intimation to Insurance Company regarding theft of vehicle, claim of complainant was dismissed. He has also placed reliance on I (2014) CPJ 29 (NC), New India Assurance Co. Ltd. vs. Ram Avtar, in which claim was dismissed on account of delay of 35 days in intimation to Insurance Company regarding theft of vehicle, though, FIR was lodged on the same day. He also placed reliance on judgment of Apex Court in C.A. No.6739 of 2010, Oriental Insurance Co. Ltd. v. Parvesh Chander Chadha, in which orders of Fora below including National Commission were set aside and complaint was dismissed as vehicle // 15 // was stolen between 18.1.1995 to 20.1.1995 and FIR was lodged on 20.1.1995, but intimation to Insurance Co. was given on 22.5.1995. In the aforesaid case, it was also observed that complainant was duty- bound to inform about theft of the vehicle to the Insurance Company immediately after the incident.
7. In the light of aforesaid judgments, it becomes clear that on account of delay of 52 days in intimation to Insurance Company regarding theft of insured vehicle, OP has not committed any deficiency in repudiating claim and learned District Forum committed error in allowing complaint and learned State Commission further committed error in dismissing appeal."
22. Sarfarjudeen v. New India Assurance Co. Ltd., I (2015) CPJ 748 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "5. We do not find any infirmity in the impugned order, which would justify our interference with it. The petitioner has not placed any material before us to take a different view. We, therefore, do not find any substance in the revision petition, which is liable for dismissal. While on the subject we would like to mention that in addition to what is observed by the State Commission, we may note that there was delay of four days in lodging FIR and admittedly, the intimation about the information of theft was sent to the Insurance Company after a month of the theft. The terms of the policy require immediate action in such cases and as per settled law, such delay in the case of theft would result in outright repudiation of the claim because delay in lodging the FIR or intimating the Insurance Company would be disastrous to the interests of the Insurance Company and the same constitutes violation of a fundamental condition of the insurance contract. On this count also we are convinced that the claim of the petitioner was liable for repudiation.
// 16 // In view of above, the revision petition is dismissed but with no order as to costs."
23. Shriram General Insurance Co. Ltd. vs. Mahender Jat, I (2015) CPJ 74 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%&
17. We have considered the rival contentions. Hon'ble Supreme Court in the matter of Oriental Insurance Co. Ltd. vs. Parvesh Chander Chadha (supra) dismissed the complaint holding that in terms of the policy issued by the insurance policy, the insured was duty bound to inform about the theft of the vehicle immediately after the accident. Delay in intimation deprives the insurance company of its legitimate right to get enquiry conducted into the alleged theft of vehicle and make an endeavour to recover the same. It was further held that the insurance company could not be saddled with the liability to pay the compensation to the insured despite the fact that he has not complied with the terms of the policy. Relevant observations of the Supreme Court read as under :-
"Admittedly the respondent had not informed the appellant about the alleged theft of the insured vehicle till he sent letter dated 22.5.1995 to the Branch Manager. In the complaint filed by him, the respondent did not give any explanation for this unusual delay in informing the appellant about the incident which gave rise to cause for claiming compensation. Before the District Forum, the respondent did state that he had given copy of the first information report to Rajender Singh Pawar through whom he had insured the car and untraced report prepared by police on 10.9.1995 was given to the said Shri Rajinder Singh Pawar, but this explanation was worthless because in terms of the policy, the respondent was required to inform the appellant about the theft of the insured vehicle. It is difficult, if not impossible, to fathom any reason why the respondent, who is said to // 17 // have lodged First Information Report on 20.1.1995 about the theft of car did not inform the insurance company about the incident. In terms of the policy issued by the appellant, the respondent was duty bound to inform the theft of the vehicle immediately after the incident. On account of delayed intimation, the appellant was deprived of its legitimate right to get an inquiry conducted into the alleged theft of the vehicle and make an edeavour to recover the same. Unfortunately, all the consumer foras omitted to consider this grave lapse on the part of the respondent and directed the appellant to settle his claim on non-standard basis. In our view, the appellant cannot saddled with the liability to pay compensation to the respondent despite the fact that he had not complied with the terms of the policy."
18. The said judgment has been followed by Coordinate Bench of this Commission in the matter of Dharambir v. Oriental Insurance Co. Ltd. (supra). From this it is evident that the issue raised in this revision petition is no more res integra. Admittedly the intimation of theft was given to the Insurance Company 21 days after the theft. Thus, finding of the State Commission allowing the claim by the respondent is not justified."
24. Kulwant Singh vs. The Managing Director, United India Insurance Co. Ltd. & Others, 2015 (1) CLT 106, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "in terms of policy issued by the appellant, the respondent was duty bound to inform it about the theft of the vehicle immediately after the incident. On account of delayed intimation, the appellant was deprived of its legitimate right to get an inquiry conducted into the alleged theft of the vehicle and make an endeavour to recover the // 18 // same. It is further observed that such a delay can be fatal as within three days the vehicle could have been driven long distance even across the border of the country or could have been dismantled and sold to the scrap dealer. Thus, by delaying the information of theft to the police, the petitioner insured had acted against the interest of the insurer and this violation of condition is fundamental to the loss caused which justifies the repudiation of claim by the respondent Insurance Company."
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