State Consumer Disputes Redressal Commission
Keshav Kumar Jaiswal vs Oriental Insurance Co.Ltd. on 13 November, 2017
NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj ifjokn izdj.k Øekad% CC/2017/18.
lafLFkr fnukad: 28.04.2017.
ds'ko dqekj tk;loky firk Jh NksVsyky tk;loky] fuoklh&tSu eafnj ds ihNs] eksgu ikjk] vdyrjk] ftyk&tkatxhj&pkaik ¼N-x-½ -----------ifjoknh@vkosnd-
fo:)
1- vksfj;saVy ba';ksjsal daiuh fyfeVsM]
e.My dk;kZy;] iqjkuk cl LVS.M ds ikl]
fcykliqj ¼N-x-½
2- VkVk eksVlZ QkbZusal fyfeVsM]
fcykliqj ¼N-x-½
ekQZr~&izca/kd
3- f'koe eksVlZ izkbZosV fyfeVsM]
lsDVj lh&4] fljfxV~Vh]
vkS|ksfxd {ks=] jk;iqj jksM fcykliqj]
rg- o ftyk&fcykliqj ¼N-x-½---vukosndx.k@fojks/kh i{kdkjx.k- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k-
ekuuh; Jh ujsna z xqIrk] lnL;-
i{kdkjksa ds vf/koDrk ifjoknh dh vksj ls Jh ftrsUnz JhokLro] vf/koDrkA vukosnd dzekad&1 dh vksj ls Jh jkt voLFkh] vf/koDrkA vukosnd dzekad&2 dh vksj ls Jh jkds'k iVsy] vf/koDrkA vukosnd dzekad&3 dh vksj ls Jh ds- tsM- valkjh] vf/koDrkA vkns'k fnukad% 13@11@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k Ikfjoknh us ;g ifjokn /kkjk&17 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr vukosndx.k ls fuEukuqlkj vuqrks"k fnyk;s tkus gsrq izLrqr fd;k gS%& // 2 // **v- vkosnd ds i{k esa vkSj vukosndx.k ds fo:} ;g vokMZ ikfjr fd;k tkos fd okgu esa gqbZ {kfr ,oa fd;s [kpZ yxHkx 20]00]000@&¼chl yk[k :Ik;s½ lfgr nq?kZVuk fnukad ls 1]00]000@&¼,d yk[k :Ik;s½ U;wure ekfld {kfriwfrZ vkSj vukosnd dz-3 dks ejEer ds fcy Hkqxrku fnukad ls 5]000@&¼ikap gtkj :Ik;s½ izfrfnu ds fglkc ls okgu okilh fnukad rd {kfriwfrZ fnykbZ tkosA c- vukosndx.k ds O;kikfjd dnkpj.k ,oa lsok esa deh ds fy, {kfriwfrZ 50]00]000@&¼ipkl yk[k :Ik;s½ ,oa jkf'k ij nq?kZVuk fnukad ls U;wure 12 izfr'kr ekfld C;kt lfgr {kfriwfrZ la;qDrr% ,oa i`Fkdr% vkosnd dks vukosndx.k Hkqxrku djsaA l- bl okn dk laiw.kZ O;; vukosnd.k ls fnykbZ tkosA n- vU; vuqrks"k tks izdj.k dh ifjfLFkfr;ksa esa vko';d gks] fnykbZ tkosA** 02- ifjoknh dk ifjokn laf{kIr esa bl izdkj gS fd ifjoknh ds LokfeRo ,oa vkf/kiR; dh ,d okgu dz-&lh-th- 11 ,ch@3114 ekWMy 4018 gS ftls ifjoknh us vukosnd dz-2 ls _.k ysdj dz; fd;k Fkk ftldk vukosnd dz-1 us fnukad&19-06-2014 ls 18-06-2015 dh e/; jkf= rd vlhfer chek djrs gq, ikWfylh ua-&193300@31@2015@3169 fnukad&23-06-2014 dks tkjh fd;k FkkA ifjoknh mDr okgu ek= ds vk; ls vius iwjs ifjokj dh vkthfodk pykrk gS vkSj vk; izkIr dj yxHkx 80]000@&¼vLlh gtkj :Ik;s½ izfrekg _.k ds fd'rksa dk Hkqxrku Hkh djrk gSA ifjoknh dk mDr okgu fnukad&22-04-2015 dks dk;Z ds nkSjku nq?kZVukxzLr gks x;k ftlesa fdlh izdkj dh tugkfu ugha gqbZA ifjoknh us ?kVuk dh lwpuk izkIr gksrs gh vukosndx.k dks okgu ds nq?kZVukxzLr // 3 // gksus dh lwpuk eksckbZy ls fn;k rc vukosnd dz-1 us ifjoknh dks funsZf'kr fd;k fd og mDr okgu fdlh Hkh okgu ls Vkspu dj vukosnd dz-3 ds dk;Z'kkyk esa ysdj tkos tgka okgu dk ejEer fd;k tkosxk rc ifjoknh us 7]000@&¼lkr gtkj :Ik;s½ nsdj nwljs okgu ds ek/;e ls {kfrxzLr okgu dks vukosnd dz-3 ds odZ'kkWi esa ykdj vukosnd dz-1 dks lwfpr dj fn;k rc vukosnd dz-1 ds vf/kdkjh ,oa losZ;j }kjk okgu dh tkap fd, vkSj vukosnd dz-3 ls odZ'kkWi ls vuqekfur [kpZ dk vkadyu izfrosnu izkIr dj ifjoknh }kjk vukosnd dz-1 dks izsf"kr djus fgnk;r fn;k ftls vukosnd dz-1 dks ifjoknh us fn;k vkSj ifjoknh dks funsZf'kr fd;k x;k fd mDr okgu dks ejEer dj nq:Lr djus ds fy, vukosnd dz-3 dks funsZf'kr dj fn;k x;k gS ftlesa le; yxus dh laHkkouk gSA vukosnd dz-3 ds }kjk ifjoknh dks fnukad&13-04-2016 dk lwpuk&i= izsf"kr dj ejEer ,oa vU; jkf'k Hkqxrku djus funsZf'kr fd;k x;k ftldh tkudkjh vukosnd dz-1 dks nsus ij ejEer djkrs gq, ejEer ds fcy ykus funsZf'kr fd;k FkkA ifjoknh us okgu ds ejEer fcy dks fnukad&29-04-2015 dks vukosnd dz-1 ds funsZ'k ij vukosnd dz-3 ls izkIr djrs gq, ns fn;k ftlesa 19]51]338@&¼mUuhl yk[k baD;kou gtkj rhu lkS vM+rhl :Ik;s½ lkeku ,oa 1]13]700@&¼,d yk[k rsjg gtkj lkr lkS :Ik;s½ etnwjh dk fcy gSA mDr fcy vukosnd dz-1 }kjk izkIr dj vukosnd dz-3 ds ikl tek djk nsus ,oa chek dh jkf'k Hkqxrku djus ds fy, fcy ls lacaf/kr vko';d vkSipkfjdrk mijkar Lohd`r dj lwfpr djus dh ckr dgh xbZ fdUrq lwfpr ugha fd;k x;k vkSj varr% ;g dgk x;k fd chek dh jkf'k dk Hkqxrku vukosnd dz-3 dks fd;k tk pqdk gSA // 4 // ifjoknh us vukosnd dz-3 ls eqykdkr dj ejEer ds fcy ds Hkqxrku ds laca/k esa iwNk x;k rks crk;k x;k fd lHkh jkf'k dk Hkqxrku vukosnd dz- 1 }kjk ugha fd;k x;k gS ftlls okgu ifjoknh dks nsuk laHko ugha gSA ifjoknh us vukosnd dz-2 dks laiw.kZ oLrqfLFkfr ls ,oa viuh vkfFkZd fLFkfr ls voxr djkrs gq, _.k ds fd'r Hkqxrku ds laca/k esa dk;Zokgh djus dk vuqu;&fou; fd;k fdUrq dksbZ lwpuk ifjoknh dks vukosndx.k }kjk ugha fn;k x;k tks fd vukosndx.k dh lsok esa deh dks nf'kZr djrk gSA vukosndx.k ds mDr d`R; ds dkj.k ifjoknh viuh okgu ds mi;ksx&miHkksx ls oafpr jgk gS rFkk izfrekg 80]000@&¼vLlh gtkj :Ik;s½ ds vuqekfur _.k ds fd'rksa ds Hkqxrku ,oa viuh vkthfodk ds fy, izkIr 40]000@&¼pkyhl gtkj :Ik;s½ ds ekfld vk; ls oafpr gks pqdk gSA ifjoknh us vius vf/koDrk ds ek/;e ls vukosndx.k dks uksfVl izsf"kr fd;k ftldk dksbZ tokc ugha fn;k x;k ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k iznku dh tkosA 03- vukosnd dz-1 dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd iz'uk/khu okgu dz-&lh-th- 11 , ch@3114 dk fnukad&19-06-2014 ls 18-06-2015 dh e/; jkf= rd chek ikfylh dz-&193300@31@2015@3169 ds ek/;e ls vukosnd dz-1 }kjk chfer fd;k x;k gSA iz'uk/khu okgu ds nq?kZVukxzLr gksus dh lwpuk izkIr gksus ij vukosnd dz-1 us LFky fujh{k.k djus ds fy, fujisUnz flag losZ;j ,oa ykWl ,lslj dks funsZf'kr ,oa vf/kd`r fd;k Fkk ftUgkssaus viuh losZ fjiksVZ // 5 // fnukad&27-04-2015 dks vukosnd dz-1 dks izsf"kr fd;k Fkk okgu dks dkfjr {kfr ds ewY;kadu ,oa fu/kkZj.k gsrq vkj- ch- ,l- ba';ksjsal daiuh losZ;j ,oa ykWl ,lslj izk-fy- dks funsZf'kr ,oa vf/kd`r fd;k ftudh fjiksVZ fnukad&19-09-2015 dks izkIr gqbZ ftlesa losZ;j us dkLV vkWQ Lis;j ikVZ~l ds :Ik esa 5]56]418-50 ¼ikap yk[k NIiu gtkj pk lkS vV~Bkjg :Ik;s ipkl iSls½] yscj pktZ ds :Ik esa 93]800@&¼frjkucs gtkj vkB lkS :Ik;s½ dqy&6]50]218-50 ¼N% yk[k ipkl gtkj nks lkS vV~Bkjg :Ik;s ipkl iSls½ dh {kfr dk ewY;kadu fd;k Fkk ftlesa lkYost dk ewY;kadu 60]000@&¼lkB gtkj :Ik;s½ ,o ikWfylh ,Dlsl DykWt ds :Ik esa 1]500@&¼,d gtkj ikap lkS :Ik;s½ dh dVkSrh fd;k tkuk fu/kkZfjr fd;k gSA okgu ds ejEer dk;Z iw.kZ gksus ij rFkk okgu ds iqu% mi;ksx esa vk tkus dh n'kk esa vukosnd dzz-1 ds }kjk izkIr funsZ'kksa ds vk/kkj ij iYlqys vk'kh"k , losZ;j us iz'uk/khu okgu dk fj&bUlisD'ku dj viuh fjiksVZ fnukad&20-11-2015 dks vukosnd dz-1 dks iznku fd;k FkkA okgu dks dkfjr {kfr ,oa l{ke ,oa vf/kd`r ykbZlsal'kqnk losZ;j }kjk fd, x, ewY;kadu ds vk/kkj ij vukosnd dz-1 }kjk Hkqxrku fd;k tk pqdk gS vkSj chek ikWfylh ds 'krksZa ds rgr ifjoknh vkSj dksbZ jkf'k izkIr djus dk vf/kdkjh ugha gSA vukosnd dz-1 }kjk lsok esa dksbZ deh ugha fd;k x;k gSA vr% ifjokn fujLr fd;k tkosA 04- vukosnd dz-2 dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh us vukosnd dz-2 Qk;uasl daiuh ls okgu gsrq yksu izkIr fd;k x;k Fkk ftl laca/k esa ifjoknh ,oa vukosnd // 6 // dz-2 ds e/; ,d yksu vuqca/k fu"ikfnr fd;k x;k Fkk ftlds vuqlkj ifjoknh ,oa vukosnd dz-2 ds e/; fdlh Hkh izdkj ds fookn dh fLFkfr esa laacaf/kr fookn ds fujkdj.k gsrq e/;LFk ,oa lqyg vf/kfu;e ds varxZr e/;LFk ds le{k dk;Zokgh dh tkosxhA bl dkj.k ifjokn ds fopkj.k dk {ks=kf/kdkj vk;ksx dks ugha gSA vr% ifjokn fujLrh ;ksX; gSA ifjoknh ds }kjk fd'rksa dk fu;fer :Ik ls Hkqxrku fd;s tkus esa fMQkYV fd;s tkus ij vukosnd dz-2 }kjk ifjoknh dks fd'rksa dk Hkqxrku djus laca/kh fuosnu fd;s tkus ij Hkh ifjoknh }kjk fd'rksa dk Hkqxrku ugha fd;k x;k rc vukosnd dz-2 }kjk vuqca/k esa of.kZr vkfcZVsª'ku DykWt ds izdk'k esa dk;Zokgh izkjaHk djrs gq, Jh ,u- lh- tkslsQ dks vkfcZVsªVj fu;qDr fd;k x;k gS vkSj vkfcZVsªVj Jh ,u- lh- tkslsQ }kjk ,d i= fnukad&20-11- 2015 dks ifjoknh dks izsf"kr dj izdj.k esa vkfcZVsªVj fu;qDr gksus ds laca/k esa lwfpr fd;k x;k gS vkSj uksfVl fn;s tkus ds Ik'pkr~ Hkh vkfcZVsª'ku izdj.k esa mifLFkr ugha gksus ij vkfcZVsªVj }kjk fnukad&20-02- 2016 dks ifjoknh ds fo:} ,di{kh; vokMZ ikfjr fd;k x;k gSA bl izdkj vkfcZVsªVj ds }kjk vokMZ ikfjr fd;k tk pqdk gS blfy, izdj.k miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr fopkj.k ;ksX; ugha gSA ifjoknh }kjk okgu dk Qk;usal **O;kolkf;d iz;kstu** gsrq izkIr fd;k x;k gS bl dkj.k ifjoknh **miHkksDrk** dh Js.kh esa ugha vkrk gS vkSj vkSj ifjoknh ,oa vukosnd dz-2 ds e/; **miHkksDrk** o **lsok iznkrk** dk laca/k uk gksdj ifjoknh _.kh ,oa vukosnd dz-2 _.knkrk gS] vr% ifjoknh dk ifjokn {ks=kf/kdkj ls ckf/kr gksus ls fujLrh ;ksX; gSA ifjoknh o vukosnd dz-2 ds e/; eq[; :Ik ls ,dkÅaV~l laca/kh fookn gS // 7 // vkSj blesa dbZ fookfnr rF;ksa dk lekos'k gS ftldk fopkj.k laf{kIr izfdz;k }kjk laHko ugha gSA vr% ifjokn fujLrh ;ksX; gSA vukosnd dz-2 VkVk eksVlZ Qk;usal fyfeVsM] daiuh vf/kfu;e] 1956] ds varxZr xfBr ,d iathd`r Qk;usal daiuh gksdj Qk;usal laca/kh lqfo/kk,a iznku djus dk dk;Z djrh gSA blh rkjrE; esa ifjoknh }kjk O;kikj ds lkekU; vuqdze esa ,d vkosnu&i= izLrqr dj yksu dh ekax dh xbZ Fkh vkSj ifjoknh }kjk fn, x, nLrkost ,oa vk'oklu ij Hkjkslk djrs gq, ifjoknh dks _.k lqfo/kk iznku dh xbZ Fkh vkSj ifjoknh ,oa vukosnd dz- 2 ds e/; ,d gkbZiksfFkds'ku vuqca/k dz-&5001590842 Hkh fu"ikfnr fd;k x;k Fkk ftlds vuqlkj ifjoknh dks 24]50]000@&¼pkSchl yk[k ipkl gtkj :Ik;s½ dk _.k iznku fd;k x;k Fkk tks fd dqy 40 fd'rksa ds ek/;e ls okil fd;k tkuk Fkk vkSj izFke fd'r fnukad&15-07-2014 dks ,oa vafre fd'r fnukad&15-10-2017 dks fu;r Fkh fdUrq ifjoknh }kjk le; ij ,oa fu;fer :Ik ls Hkqxrku ugha fd;k x;k rc vukosnd dz-2 }kjk vuqca/k esa of.kZr vkfcZVsª'ku DykWt ds izdk'k esa vkfcZVsª'ku dh dk;Zokgh izkjaHk dh xbZ fdUrq ifjoknh mDr vkfcZVsª'ku dk;Zokgh esa mifLFkr ugha gqvk bl dkj.k vkfcZVsªVj }kjk fnukad&20-02-2016 dks ifjoknh ds fo:} ,di{kh; vokMZ ikfjr fd;k x;k vkSj ;g vknsf'kr fd;k x;k fd Qk;usal daiuh] Qk;usal okgu dks iqu% izkIr dj mDr okgu dks fodz; dj izkIr jkf'k dk lek;kstu _.k [kkrs esa djs ftlds izdk'k esa vukosnd dz-2 fof/k vuqlkj dk;Zokgh djrs gq, okgu dks fof/kor~ iqu% izkIr fd;k x;k vkSj Qk;usal okgu dks uhykeh ds ek/;e ls fnukad&27-02-2017 dks fodz; dj izkIr jkf'k dk lek;kstu ifjoknh ds // 8 // _.k [kkrs esa fd;s tkus ds Ik'pkr~ 23]26]301-93 ¼rsbZl yk[k NCchl gtkj rhu lkS ,d :Ik;s frjkucs iSls½ ykWl vkWu lsy ds :Ik esa cdk;k gS tks fd vukosnd dz-2] ifjoknh ls izkIr djus dk vf/kdkjh gSA vukosnd dz-2 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd dz-2 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjokn lO;; fujLr fd;k tkosA 05- vukosnd dz-3 dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd okgu ds nq?kZVuk laca/kh dksbZ lwpuk ifjoknh }kjk vukosnd dz-3 dks ugha nh xbZ gSA vukosnd dz-3 us nq?kZVukxzLr okgu ds ejEer dk; gsrq vuqekfur [kpZ dk vkadyu izfrosnu fn;k Fkk] rnqijkar okgu dk ejEer dk;Z fd;k x;kA vukosnd dz-1 }kjk yxHkx 09 ekg foyac ls fnukad&11-08-2016 dks 10]76]509@&¼nl yk[k fNgRrj gtkj ikap lkS ukS :Ik;s½ tek fd;k x;kA ifjoknh }kjk Hkh fnukad&27-05-2015 dks 50]000@&¼ipkl gtkj :i;s½ ,oa fnukad&16-12- 2015 dks 50]000@&¼ipkl gtkj :Ik;s½ tek fd;k x;k gSA okgu ejEer Ik'pkr~ rS;kj gksus ij fcy lfgr Hkqxrku gsrq ifjoknh dks lwpuk Hksth xbZ Fkh vkSj tc rd iwjh jkf'k izkIr ugha gks tkrh rc rd vukosnd dz-3 ejEer dh xbZ okgu dks ifjoknh dks lkSaius gsrq ck/; ugha gSA vukosnd dz-3 }kjk vius vf/koDrk ds ek/;e ls Hkh ifjoknh dks uksfVl izsf"kr fd;k x;k mlds ckn Hkh ifjoknh uk rks okgu ysus vk;k vkSj uk gh mDr laca/k esa dksbZ dk;Zokgh fd;k x;kA vukosnd dz-3 }kjk lsok esa dksbZ deh ugha dh xbZ gSA vr% ifjokn lO;; fujLr fd;k tkosA // 9 // 06- ifjoknh dh vksj ls vius i{k leFkZu esa Lo;a dk 'kiFk&i= rFkk MªkbZfoax ykbZlsal dh Nk;kizfr ¼,usD'pj&1½] jftLVsª'ku lfVZfQdsV fMVsYl dh Nk;kizfr ¼,usD'pj&2½] lfVZfQdsV vkWQ fQVusl dh Nk;kizfr ¼,usD'pj&3½] pkSdh izHkkjh dks nh xbZ lwpuk dh Nk;kizfr ¼,usD'pj ih&4½] nq?kZVukxzLr okgu dk QksVksxzk¶l ¼,usD'pj&5 ls 7½] f'koe eksVlZ ¼izk-½ fyfeVsM dk dksVs'ku fnukad&29 vizsy 2015 dh Nk;kizfr ¼,usD'pj&8½] dydRrk vkWVks bysfDVªdYl ds fcy dh Nk;kizfr ¼,usD'pj&9½] fulkj eksVj xSjst ds fcy dh Nk;kizfr ¼,usD'pj&10½] vf/koDrk uksfVl fnukad&05-12-2016 dh Nk;kizfr ¼,usD'pj&11½] iksLVy jlhn fnukad&05-11-2016 dh Nk;kizfr ¼,usD'pj&12 ls 14½] vukosnd dz-2 }kjk izsf"kr tokc dh Nk;kizfr ¼,usD'pj&15½ rFkk chek ikWfylh dk vly izLrqr fd;k gSA 07- vukosnd dz-1 dh vksj ls vius i{k leFkZu esa fouksn flag mi izca/kd dk 'kiFk&i= ,oa chek ikWfylh dh Nk;kizfr ¼vuqyXud ,u,&1,½] eksVj ¼LikWV½ losZ fjiksVZ fnukad&27-04-2015 dh Nk;kizfr ¼vuqyXud ,u,&1ch½] eksVj ¼QkbZuy½ losZ fjiksVZ fnukad&19-098-2015 dh Nk;kizfr ¼vuqyXud ,u,&1lh½] fjokbZTM fcy psd fjiksVZ fnukad&28-01-2016 dh Nk;kizfr ¼vuqyXud ,u,&1 lh ii½ rFkk eksVj ¼fj&balisD'ku½ losZ fjiksVZ fnukad&20-11-2015 dh Nk;kizfr ¼vuqyXud ,u,&1Mh½ izLrqr fd;k gSA 08- vukosnd dz-2 dh vksj ls vius i{k leFkZu esa vEczh'k feJk dk 'kiFk&i= ,oa yksu de gkbZiksfFkds'ku de xkjaVh ,xzhesaV dh Nk;kizfr // 10 // ¼,usD'pj&1½] LVsVesaV vkWQ ,dkÅ.V dh Nk;kizfr ¼,usD'pj&2½] yksu fjdkWy uksfVl dh Nk;kizfr ¼,usD'pj&3½] vkfcZVsªVj fu;qDr fd;s tkus laca/kh i= dh Nk;kizfr ¼,usD'pj&4½] ifjoknh dks izsf"kr i= fnuka&20- 011-2015 dh Nk;kizfr ¼,usD'pj&5½] vokMZ dh Nk;kizfr ¼,usD'pj&6½] dofjax ysVj fnukad&20-02-2016 dh Nk;kizfr ¼,usD'pj&7½] izh lsy uksfVl fnukad&31-12-2016 dh Nk;kizfr ¼,usD'pj&8½ izLrqr fd;k gSA 09- vukosnd dz-3 dh vksj ls vius i{k leFkZu esa ,l- ,l- fc"V Mk;jsDVj f'koe eksVlZ izkbosV fyfeVsM dk 'kiFk&i= ,oa vukosnd dz-3 }kjk ifjoknh dks izsf"kr i= fnukad&08-08-2015 ,oa 15-10-2015 dh Nk;kizfr] vukosnd dz-3 }kjk izsf"kr vf/koDrk uksfVl fnukad&13-04-2015]a 21-06-2016] 28-09-2016 ,oa 16-11-2016 dh Nk;kizfr] VSDl buokbZl fnukad&25-07-2015 dh Nk;kizfr] dS'k fjlhIV OgkÅpj fnukad&16 fnlacj 2015] 27 ebZ 2015 ,oa 11 vxLr 2016 dk vly] VSDl buokbZl fnukad&28-08-2014 dh Nk;kizfr rFkk yksu de gkbZiksfFkds'ku de xkjaVh ,xzhesaV dh Nk;kizfr izLrqr fd;k gSA 10- ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ftrsUnz JhokLro dk rdZ gS fd ifjoknh okgu dz-&lh-th- 11,ch@3114 dk iathd`r Lokeh gS vkSj mDr okgu dks mlus vukosnd dz-2 ls _.k izkIr dj dz; fd;k Fkk vkSj vukosnd dz-1 ds ikl chek djok;k Fkk tks fd fnukad&19-06-2014 ls 18-06-2015 rd ds fy, izHkkoh FkkA fnukad&22-04-2015 dks mDr okgu nq?kZVukxzLr gks x;k ftldh rRdky lwpuk eksckbZy }kjk vukosnd dz-1 dks nh xbZ Fkh vkSj vukosnd dz-1 ds // 11 // funsZ'k ij okgu dks nwljs okgu ls Vkspu dj vukosnd dz-3 ds odZ'kkWi esa yk;k x;k Fkk ftlesa 7]000@&¼lkr gtkj :Ik;s½ ifjoknh us O;; fd;k FkkA vukosnd dz-1 }kjk losZ;j fu;qDr fd;k x;k Fkk ftlus okgu dk fujh{k.k fd;k Fkk vkSj vuqekfur O;; dk vkadyu fn;k Fkk vkSj mlds Ik'pkr~ ifjoknh }kjk vukosnd dz-1 ds funsZ'k ij vukosnd dz-3 ls fcy izkIr fd;k Fkk tks fd 19]51]338@&¼mUuhl yk[k baD;kou gtkj rhu lkS vM+rhl :Ik;s½ lkeku dk ,oa 1]13]700@&¼,d yk[k rsjg gtkj lkr lkS :Ik;s½ etnwjh dk fcy Fkk ftls ifjoknh }kjk vukosnd dz-1 ds ikl Hkqxrku gsrq izLrqr fd;k x;k] ijUrq vukosnd dz-1 }kjk ifjoknh ds nkos dks vLohdkj dj fn;k x;k rFkk vukosnd dz-3 }kjk okgu dk ejEer ugha fd;k tk jgk gS vkSj vuko';d :Ik ls jkf'k dh ekax fd;k tk jgk gS rFkk vukosnd dz-2 }kjk Hkh cyiwoZd ,oa ncko Mkydj C;kt dh jkf'k olwyk tk jgk gS vkSj mDr okgu ls ifjoknh viuk thfodksiktZu djrk Fkk blfy, mls izfrekg 80]000@&¼vLlh gtkj :Ik;s½ _.k ds fd'rksa ds Hkqxrku ,oa viuh vkthfodk ds fy, izkIr jkf'k ls oafpr gksuk iM+ jgk gS vkSj 40]000@&¼pkyhl gtkj :Ik;s½ ekfld vk; ls oafpr gks x;k gS ftls ifjoknh] vukosndx.k ls izkIr djus dk vf/kdkjh gSA vr% ifjoknh dks vukosndx.k ls i`Fkd&i`Fkd ,oa la;qDr :i ls ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 11- vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jkt voLFkh dk rdZ gS fd ifjoknh ls lwpuk izkIr gksus ij vukosnd dz- 1 us Jh fujisUnz flag losZ;j ,.M ykWl ,lslj dks LikWV losZ gsrq // 12 // funsZf'kr fd;k Fkk ftlus viuh fjiksVZ fnukad&27-04-2015 dks vukosnd dz-1 dks izsf"kr fd;k Fkk vkSj mlds Ik'pkr~ vkj- ch- ,l- ba';ksjsal daiuh losZ;j ,.M ykWl ,lslj izkbZosV fyfeVsM dks losZ djus gsrq fu;qDr fd;k x;k Fkk ftlds }kjk {kfr dk vkadyu djrs gq, 5]56]418-50 ¼iakp yk[k NIiu gtkj pkj lkS vV~Bkjg :Ik;s ipkl iSls½ ,oa yscj pktZ ds :Ik esa 93]800@&¼frjkucs gtkj vkB lkS :Ik;s½ dqy&6]50]218-50 ¼N% yk[k ipkl gtkj nks lkS vV~Bkjg :Ik;s ipkl iSls½ {kfr dk vkadyu fd;k Fkk ftlesa lkYost dk ewY; 60]000@&¼lkB gtkj :Ik;s½ ,oa ikWfylh ,Dlsl DykWt ds :Ik essa 1]500@&¼,d gtkj ikap lkS :Ik;s½ dVkSrh djrs gq, 'ks"k jkf'k dh {kfr dk fu/kkZj.k fd;k x;k gSA ifjoknh }kjk 19]51]338@&¼mUuhl yk[k baD;kou gtkj rhu lkS vM+rhl :Ik;s½ dk O;; ugha fd;k x;k gSA vukosnd dz-1 }kjk fdlh izdkj ls lsok esa deh ugha fd;k x;k gS vkSj uk gh O;kolkf;d nqjkpj.k fd;k x;k gSA ifjoknh fdlh izdkj dk vuqrks"k vukosnd dz-1 ls izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn fujLr fd;k tkosA 12- vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jkds'k iVsy us foLr`r fyf[kr rdZ izLrqr fd;k gS vkSj mlds }kjk fofHkUu U;k; n`"Vkarksa dk mYys[k fd;k gS] ijUrq dksbZ Hkh U;k; n`"Vkar bl vk;ksx ds le{k izLrqr ugha fd;k gSA Jh jkds'k iVsy vf/koDrk us ;g vk/kkj fy;k gS fd ifjoknh us vukosnd dz-2 ls _.k fy;k Fkk ftlds laca/k esa vuqca/k fu"ikfnr gqvk Fkk vkSj ftlesa vkfcZVsª'ku [k.M gS vkSj ifjoknh }kjk fd'rksa dk Hkqxrku ugha fd;k x;k blfy, vukosnd dz-2 // 13 // us izdj.k vkfcZVsªVj Jh ,u- lh- tkslsQ dks lanfHkZr fd;k Fkk vkSj bl ifjokn izLrqfr ds iwoZ gh vkfcZVsªVj Jh ,u- lh- tkslsQ us vokMZ ikfjr dj fn;k gS vkSj ,slh fLFkfr esa ifjoknh dk ifjokn vukosnd dz-2 ds fo:} la/kkj.kh; ugha gSA vukosnd dz-2 us ;g Hkh vk/kkj fy;k gS fd ifjoknh us ;g ifjokn /kkjk&12 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr izLrqr fd;k gSA /kkjk&12 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr dsoy ftyk Qksje dks gh lquokbZ dk vf/kdkj izkIr gS vkSj jkT; vk;ksx dks ugha gS vkSj bu nksuksa vk/kkj ij ifjokn fujLr fd;s tkus ;ksX; gSA pwafd ifjoknh }kjk fd'rksa dk Hkqxrku ugha fd;k x;k Fkk ,slh fLFkfr esa okgu dk iqu% vkf/kiR; izkIr djus dk vf/kdkj vukosnd dz-2 dks gSA vukosnd dz-2 ls ifjoknh fdlh izdkj dk dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% vukosnd dz-2 ds laca/k esa ifjoknh dk ifjokn fujLr fd;k tkosA 13- vukosnd dz-3 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ds- tsM- valkjh dk rdZ gS fd ifjoknh }kjk nq?kZVukxzLr okgu dks vukosnd dz-3 ds ikl ejEer ds fy, yk;k x;k Fkk vkSj okgu ejEer Ik'pkr~ ifjoknh dks ejEer O;; ,oa ikVZ~l dh jkf'k Hkqxrku djus gsrq lwfpr fd;k x;k Fkk ijUrq vukosnd dz-1 }kjk yxHkx 09 ekg foyac ls fnukad&11-08-2016 dks 10-76]509@&¼nl yk[k fNgRrj gtkj ikap lkS ukS :Ik;s½ tek fd;k x;k gS vkSj ifjoknh us fnukad&27-05-2015 dks 50]000@&¼ipkl gtkj :Ik;s½ ,oa fnukad&16-12-2015 dks 50]000@&¼ipkl gtkj :Ik;s½ tek fd;k gS] tcfd iwjh jkf'k izkIr ugha // 14 // gks tkrh rc rd vukosnd dz-3 ejEer dh xbZ okgu dks ifjoknh dks lkSaius gsrq ck/; ugha gS vkSj pwafd ifjoknh us ejEer dh jkf'k dk Hkqxrku ugha fd;k gS] ,slh fLFkfr esa vukosnd dz-3 }kjk fdlh izdkj ls lsok esa dksbZ deh ugha fd;k x;k gS vkSj ifjoknh] vukosnd dz-3 ls fdlh izdkj dk dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjokn vukosnd dz-3 ds laca/k esa fujLr fd;k tkosA 14- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk vfHkys[k dk ifj'khyu fd;k x;kA 15- vukosnd dz-2 }kjk loZizFke ;g vk{ksi fd;k x;k gS fd ifjoknh us ;g ifjokn /kkjk&12 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr lafLFkr fd;kl gS blfy, ifjokn la/kkj.kh; ugha gSA vukosnd dz-2 dk mDr rdZ Lohdkj ;ksX; ugha gSA dsoy xyr /kkjk dk mYys[k dj nsuk ek= gh nkos dks fujLr djus ds fy, Ik;kZIr ugha gSA nkos ds Lo:Ik ,oa vuqrks"k dks ns[kk tkuk gksrk gSA /kkjk&12 miHkksDrk laj{k.k vf/kfu;e] 1986] esa tgka nkos dk ewY; 20]00]000@&¼chl yk[k :Ik;s½ rd dk gS] ftyk Qksje dks lquokbZ dk {ks=kf/kdkj fn;k x;k gS vkSj /kkjk&17 miHkksDrk laj{k.k vf/kfu;e] 1986] esa ;g crk;k x;k gS fd tc fo"k; oLrq dk ewY; 20]00]000@&¼chl yk[k :Ik;s½ ls vf/kd gS rc jkT; miHkksDrk vk;ksx dks ifjokn dh lquokbZ dk vkfFkZd {ks=kf/kdkj izkIr gS vkSj bl izdj.k esa ifjoknh us tks vuqrks"k pkgk gS mlesa ifjoknh }kjk 20]00]000@&¼chl yk[k :Ik;s½ okgu ds ejEer O;; ds :Ik esa vkSj 1]00]000@&¼,d yk[k :Ik;s½ U;wure ekfld {kfriwfrZ dh ekax fd;k gS // 15 // vkSj O;kikfjd dnkpj.k ,oa lsok esa deh ds fy, 50]00]000@&¼ipkl yk[k :Ik;s½ dh ekax fd;k gSA bl izdkj ifjokn dk tks ewY;kadu ifjoknh }kjk fd;k x;k gS og 20]00]000@&¼chl yk[k :Ik;s½ ls vf/kd gS vkSj 1]00]00]000@&¼,d djksM+ :Ik;s½ ls de gS vkSj blfy, jkT; miHkksDrk vk;ksx dks ifjokn dh lquokbZ dk {ks=kf/kdkj izkIr gS vkSj ,slh fLFkfr esa dsoy /kkjk&12 miHkksDrk laj{k.k vf/kfu;e] 1986] dk ifjokn esa mYys[k dj nsuk ek= gh ifjokn dks vxzkg~; djus ds fy, Ik;kZIr ugha gSA 16- vukosnd dz-2 }kjk ;g vk{ksi fd;k x;k gS fd ifjoknh us mlls _.k fy;k Fkk vkSj _.k ds fd'rksa dh vnk;xh ugha fd;s tkus ij vuqca/k ds 'krksZa ds vuqlkj vukosnd dz-2 us izdj.k vkfcVsªVj dks lanfHkZr dj fn;k Fkk vkSj vkfcZVsªVj }kjk ifjokn izLrqr djus ds iwoZ gh vokMZ ikfjr dj fn;k x;k gS blfy, ;g ifjokn la/kkj.kh; ugha gSA 17- ,usD'pj&1 yksu de gkbZiksfFkds'ku de xkjaVh ,xzhesaV gS vkSj mDr ,xzhesaV ds 'krZ dz-&23 esa vkfcZVsª'ku [k.M dk mYys[k gS vkSj blh dafMdk ds ifjizs{; esa vukosnd dz-2 }kjk izdj.k ,d ek= vkfcZVsªVj Jh ,u- lh- tkslsQ dks lanfHkZr fd;k x;k FkkA vukosnd dz-2 }kjk vkfcZVsªVj Jh ,u- lh- tkslsQ }kjk ikfjr vokMZ fnukad&20-02-2016 dh izfr izLrqr fd;k x;k gS vkSj lkFk esa vkfcZVsªVj }kjk ifjoknh dks izsf"kr lwpuk&i= dh izfr Hkh izLrqr fd;k x;k gSA // 16 // 18- vkfcZVsªVj }kjk ikfjr vokMZ fnukad&20-02-2016 dks ns[kk x;kA vokMZ dh dafMdk&1 esa ;g crk;k x;k gS fd ;g vkfcZVsª'ku izdj.k mRrjoknhx.k vFkkZr~ bl izdj.k ds ifjoknh ,oa mlds tekurnkj ds fo:} 24]29]924-22 ¼pkSchl yk[k murhl gtkj ukS lkS pkSchl :Ik;s ckbZl iSls½ dh olwyh gsrq fnukad&10-11-2015 dks izkIr gqvk gS rFkk vkxs ;g mYysf[kr fd;k gS fd mRrjoknhx.k dks lwpuk&i= izsf"kr fd;k x;k FkkA izn'kZ vkj@2&7 lwpuk&i= dh izfr gS tks vkfcZVsªVj }kjk ds'ko tk;loky ¼ifjoknh½ ,oa ek/koh tk;loky dks izsf"kr lwpuk&i= gS ftlds }kjk ifjoknh dks vokMZ dh dkih izsf"kr fd;k x;k gSA vkfcZVsªVj Jh ,u- lh- tkslsQ us fnukad&20-02-2016 dks vokMZ ikfjr dj fn;k gS] tcfd ifjoknh us ;g ifjokn fnukad&02-03-2017 dks bl vk;ksx ds le{k lafLFkr fd;k Fkk] vFkkZr~ vokMZ ikfjr gksus ds ,d lky ds ckn ;g ifjokn lafLFkr fd;k x;k gSA 19- Chandresh Kumar Vs. Kotak Mahendra Bank Ltd. I (2017) CPJ 121 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. ...... In our opinion, the complainant / petitioner having invoked the jurisdiction of the Civil Court and having not challenged the order of the said Court referring the parties to arbitration, he could not have filed a consumer complaint, challenging the legality of the repossession of the vehicle by the bank. Though, the remedy provided to a consumer under the provisions of the Consumer Protect Act, 1986 is an additional remedy, the complainant / petitioner having himself chosen to approach the Civil Court instead of filing a consumer complaint in the first instance, he could not have filed a consumer complaint after the Civil Court had referred the parties to arbitration in accordance with the arbitration clause contained in the // 17 // agreement between them. The consumer complaint, therefore, was clearly not maintainable, in the aforesaid facts and circumstances."
20. Vishnu Chandra Sharma Vs. Sriram Finance Company Ltd. and Another, 2017 (2) CPR 277 (NC)=III (2017) CPJ 211 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "10. ...................... Section 3 of the Consumer Protect Act, 1986 states that the provisions of Consumer Protection Act, 1986 shall be in addition to and not in derogation of the provisions of any other law for the time being in force. Thus, it is clear that the provisions of the Consumer Protection Act, 1986 cannot be used in derogation of The Arbitration and Reconciliation Act, 1996. Remedy under Consumer Protection Act, 1986 is an additional remedy if the main remedy under the concerned Act has not been taken. In the present case, it was made known to the petitioner / complainant that the remedy under the Arbitration and Reconciliation Act, 1996 was already taken up by OP-1 as per the provisions of the Agreement, therefore, the proceedings under the Consumer Protection Act, 1986 could not have been taken as an alternative remedy................."
21. T. Srinivas & Anr. Vs. Srija Constructions, I (2016) CPJ 552 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "10. .... This Commission in Beverly Park Maintenance Services Ltd. v. Kashmir Fab Styles Pvt. Ltd., II (2014) CPJ 109 (NC) = Revision Petition No.2064 of 2012 decided on 13.3.2014 has observed :
"7. Now the core question is, whether two parallel proceedings for similar relief can be persuaded before two different forums. Learned Counsel for the respondent submitted that Section 3, Consumer Protection Act enables // 18 // complainant to file complaint under the Consumer Protection Act in spite of proceedings initiated before the arbitrator for similar relief. I do not agree with the submission of learned Counsel for the respondent because two proceedings for similar relief cannot run simultaneously in two forums. This Commission in I (1994) CPJ 1 (NC), Hanuman Prasad v. The New India Assurance Company Limited held that when a case is pending in a Court in which full evidence is to be recorded the Forums constituted under the Consumer Protection Act, 1986 should not entertain the complaint with respect to the same cause of action.
8. Respondent is entitled to prove his claim before the arbitrator by leading evidence, whereas proceedings before the State Commission were to be disposed summarily. Once respondent participated in proceedings before the arbitrator for the same relief, proceedings for similar relief could not have been initiated before the State Commission and the State Commission committed error in holding that both the proceedings may go simultaneously . The words 'in addition' appearing in Section 3, C.P. Act enables complainant to file complaint before Consumer Fora also if not filed before other Forum."
22. Magma Fincorp Limited Vs. Gulzar Ali, II (2016) CPJ 231 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. It may be mentioned here that as per the agreement entered into between the parties, it was stipulated that in the case of dispute between the parties, the matter could not be referred to an Arbitrator. It is well settled that terms and conditions of the agreement to this effect do not bar jurisdiction of the Consumer Fora but when the parties opt to proceed, first of all, before the Arbitrator, in that event, the jurisdiction of this Commission stand barred. It is settled Law that the Consumer Fora cannot question the award. It has no power to set aside the award or decree passed by the Civil Court. If this // 19 // power is given to the Consumer Fora, this will lead to contradictory judgments as has been done in this case. The order passed by the Fora below in this case is not legally tenable."
23. Beverly Park Maintenance Services Ltd. Vs. Kashmir Fab Styles Pvt. Ltd. II (2014) CPJ 109 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Once respondent participated in proceedings before arbitrator for same relief, proceedings for similar relief could not have been initiated before State Commission."
24- bl izdkj Li"V gS fd ifjokn izLrqr djus ds iwoZ gh vukosnd dz-2 }kjk izdj.k vkfcVsªVj dks lanfHkZr fd;k tk pqdk Fkk vkSj vkfcZVsªVj }kjk vokMZ Hkh ikfjr fd;k tk pqdk gS vkSj vokMZ dh dkih ifjoknh dks izsf"kr fd;k x;k Fkk vkSj mlds ,d lky ckn ifjoknh us ;g ifjokn lafLFkr fd;k gS vkSj ifjoknh ds ikl dsoy ,d ek= mipkj ;g miyC/k Fkk fd og /kkjk&34 vkfcZVsª'ku ,.M dkaflfy,'ku ,DV] 1996] ds varxZr vokMZ dks fujLr djkus gsrq vkosnu izLrqr djrk vFkok /kkjk&37 vkfcZVsª'ku ,.M dkaflfy,'ku ,DV] 1996] ds varxZr vihy lafLFkr djrk] ijUrq bl izdkj dh dksbZ dk;Zokgh vihykFkhZ@ifjoknh }kjk ugha fd;k x;k gSA ,slh fLFkfr esa ;g ifjokn vukosnd dz-2 ds fo:} la/kkj.kh; ugha gS vkSj ifjoknh] vukosnd dz-2 ls fdlh izdkj dk dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA 25- tgka rd ifjoknh dk ;g vfHkopu fd ifjoknh us okgu ds ejEer esa 19]51]338@&¼mUuhl yk[k baD;kou gtkj rhu lkS vM+rhl // 20 // :Ik;s½ O;; fd;k gS fdUrq vukosnd dz-1 }kjk 10]76]509@&¼nl yk[k fNgRrj gtkj ikap lkS ukS :Ik;s½ ejEer O;; dk Hkqxrku fd;k gS vkSj vukosnd dz-3 }kjk xkM+h ifjoknh dks ugha fn;s tkus ds dkj.k ifjoknh dks vkfFkZd {kfr mBkuh iM+ jgh gS] ds laca/k esa fopkj fd;k tk jgk gSA vukosnd dz-3 us vius fyf[kr dFku esa Li"V :Ik ls vfHkopu fd;k gS fd chek daiuh }kjk 09 ekg Ik'pkr~ vukosnd dz-3 dks fnukad&11-08- 2016 dks 10]76]509@&¼nl yk[k fNgRrj gtkj iakp lkS ukS :Ik;s½ dk Hkqxrku fd;k x;k Fkk vkSj ifjoknh Lo;a us fnukad&27-05-2015 dks 50]000@&¼ipkl gtkj :Ik;s½ ,oa fnukad&16-12-2015 dks 50]000@&¼ipkl gtkj :Ik;s½ bl izdkj vukosnd dz-3 dks ek= 11]76]509@&¼X;kjg yk[k fNgRrj gtkj ikap lkS ukS :Ik;s½ dk Hkqxrku izkIr gqvk gS vkSj tc rd fd ifjoknh }kjk iw.kZ Hkqxrku vukosnd dz-3 dks ugha fd;k tkrk gS rc rd vukosnd dz-3 dks okgu ifjoknh dks lkSaius gsrq ck/; ugha fd;k tk ldrk gS vkSj ;fn vukosnd dz-3 us okgu ifjoknh dks ugha fn;k gS rks ,slh fLFkfr esa vukosnd dz-3 }kjk fdlh izdkj ls lsok esa deh fd;k tkuk ,oa O;kolkf;d nqjkpj.k fd;k tkuk lkfcr ugha gksrk gSA 26- vc ;g ns[kuk gS fd D;k ifjoknh] vukosnd dz-1 ls mDr laiw.kZ jkf'k ftldk mYys[k mlus ifjokn&i= ds vuqrks"k [k.M esa fd;k gS] izkIr djus dk vf/kdkjh gS\ vukosnd dz-1 us vius fyf[kr dFku esa ;g crk;k gS fd ifjoknh }kjk lwpuk izkIr gksus ij vukosnd dz-1 us fujisUnz flag losZ;j ,oa ykWl ,lslj dks LikWV losZ ds fy, fu;qDr fd;k Fkk] fQj // 21 // vkj- ch- ,l- ba';ksjsal losZ;j ,oa ykWl ,lslj izkbZosV fyfeVsM }kjk losZ fd;k tkdj {kfr dk vkadyu fd;k x;kA vukosnd dz-1 dh vksj ls fujisUnz flag dh fjiksVZ vuqyXud ,u,&1 ch izLrqr fd;k x;k gS vkSj ftlesa okgu esa D;k&D;k {kfr gqvk gS mldk mYys[k fd;k gS vkSj okgu ds nq?kZVuk ds rF; dks lgh ekuk gS vkSj mlds Ik'pkr~ vkj- ch- ,l- ba';ksjsal losZ;j ,oa ykWl ,lslj izkbZosV fyfeVsM }kjk losZ fd;k x;k vkSj ml losZ;j }kjk {kfr dk vkadyu 10]76]509@&¼nl yk[k fNgRrj gtkj ikap lkS ukS :Ik;s½ fd;k x;k vkSj blh jkf'k dks vukosnd dz-3 }kjk vukosnd dz-1 ls izkIr djuk Lohdkj fd;k x;k gS rFkk iYlqys vk'kh"k , losZ;j us iz'uk/khu okgu dk fj&bUlisD'ku fd;k gS vkSj {kfr ds vkadyu Ik'pkr~ fj&bUlisD'ku fjiksVZ fn;k gSA 27- 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 28- 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%& "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."
// 22 // 29- 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)."
30. 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** 31- 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 fd;k tk ldrk tc rd mls fo'oluh; lk{; ds }kjk [kf.Mr u dj fn;k tkosA**
32. 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%& // 23 // "Surveyor being a third person, report submitted by him is entitled to a great weight and should ordinarily be accepted." 33- pwafd bl izdj.k esa losZ;j }kjk {kfr dk vkadyu 10]76]509@&¼nl yk[k fNgRrj gtkj ikap lkS ukS :Ik;s½ fd;k x;k gS vkSj mDr losZ fjiksVZ ij vfo'okl djus dk dksbZ vk/kkj fo|eku ugha gS vkSj vukosnd dz-1 }kjk mDr jkf'k vukosnd dz-3 dks Hkqxrku fd;k tk pqdk gS rFkk vukosnd dz-3 }kjk okgu ifjoknh dks ugha lkSaius ds dkj.k ifjoknh dks fdlh izdkj dh {kfr ;fn gqvk Hkh gS rks mlds fy, ifjoknh Lo;a mRrjnk;h gS D;ksafd chek daiuh dsoy mlh jkf'k dk Hkqxrku djus ds fy, nkf;Rok/khu gS tks losZ;j }kjk {kfr dk vkadyu fd;k x;k gS vkSj ftldk Hkqxrku vukosnd dz-1 chek daiuh }kjk vukosnd dz-3 ftlds }kjk okgu ejEer dk;Z fd;k x;k gS] dks dj fn;k x;k gS vkSj ,slh fLFkfr esa vukosnd dz-1 }kjk Hkh fdlh izdkj dh lsok esa deh ;k O;kolkf;d nqjkpj.k ugha fd;k x;k gSA 34- ifjoknh] vukosndx.k ls vc fdlh izdkj dk dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA QyLo:Ik ifjoknh dk ifjokn fujLr fd;s tkus ;ksX; gSA 35- vr% ifjoknh dk ifjokn fujLr fd;k tkrk gSA izdj.k dh ifjfLFkfr dks ns[krs gq, i{kdkj viuk&viuk okn O;; Lo;a ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼ujsanz xqIrk½ v/;{k lnL;
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