State Consumer Disputes Redressal Commission
Ramsawrup vs I C I C I Lombard General Insurance ... on 20 August, 2020
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mifLFkr%& vihykFkhZ ds vf/koDrk Jh HkkxhjFk jke fo'uksbZ izR;FkhZx.k ds vf/koDrk Jh larks"k pkS/kjh fu.kZ; fnukad% 20@08@2020 jkT; vk;ksx]lfdZV cSap]tks/kiqj ¼}kjk% Jh vrqy dqekj pVthZ] ihBklhu lnL;½ ;g vihy vihykFkhZ@ifjoknh }kjk ftyk miHkksDrk fookn izfrrks"k eap] tks/kiqj ¼f)rh;½ }kjk vius ifjokn la[;k 555@2012 ¼338@209½ esa fnuakd 27-05-2013 dks ikfjr fu.kZ; ds fo:) izLrqr dh x;h] ftlds }kjk vihykFkhZ@izkFkhZ dk ifjokn fo:) izR;FkhZ chek daiuh vLohdkj fd;k x;kA 2 izdj.k ds laf{kIr rF; bl izdkj gS fd izzkFkhZ }kjk chfer dkj chek vof/k esa 'kksVZ lfdZV gksus ds dkj.k fnukad 13-08-2008 dks tydj {kfrxzLr gks x;h] ftldh lwpuk vihykFkhZ@izkFkhZ }kjk mlh fnu iqfyl Fkkuk jkrkukM+k vkSj chek daiuh dks nh x;hA chek daiuh ds vf/kd`r O;fDr us {kfrxzLr okgu dk HkkSfrd lR;kiu dj dkj fjis;j djkus ds fy, dgk] izkFkhZ us viuh dkj fjis;j djokdj fjis;fjax [kpZ 1]19]782@&:i;s ¼,d yk[k mUuhl gtkj lkr lkS fc;klh :-½ dk fcy Dyse ds lkFk izLrqr fd;k ysfdj fnuakd 06-02-2009 dks izR;FkhZ chek daiuh us ikWfylh lgh ugha gksus ds dkj.k Hkqxrku djus ls euk dj fn;kA izR;FkhZ chek daiuh }kjk fnuakd 31-01-2009 ds i= }kjk izkFkhZ dh chek ikWfylh fnukad 16-02-2009 ls fujLr djus dh lwpuk nh x;hA mDr i= izkFkhZ dks fnuakd 09-02-2009 dks izkIr gqvkA izkFkhZ }kjk ckotwn uksfVl izR;FkhZ chek daiuh }kjk izkFkhZ dks Dyse Hkqxrku ugha fd;s tkus ] u gh chek ikWfylh cgky djus dks lsok esa deh crkrs gq;s ifjokn izLrqr fd;k x;kA vizkFkhZx.k chek daiuh dh vksj ls tokc izLrqr fd;k x;k] ftlds vuqlkj izkFkhZ us ewy Lokeh eksgEen jetku dknjh ls fnuakd 11-12-2007 dks dkj dz; dh ,ao izkFkhZ }kjk fnuakd 20-07-2008 ds iziksty ij xr chek ikWfylh nLrkost dh ekax dh x;h ,ao izkFkhZ }kjk izLrqr fd;s x;s nLrkostkr~ vkSj lwpukvksa ds vk/kkj ij fizfe;e izkIr 3 dj ikWfylh tkjh dh x;hA tokc ds vuqlkj izkFkhZ }kjk iqfyl dks nh x;h fjiksVZ esa pkyw xkM+h NksM+dj ckFk:e tkuk fy[kk gS tcfd ifjokn esa [kM+h xkM+h esa vkx yxuk dgk x;k gSA tokc ds vuqlkj xSl fdV dk lgh j[kj[kko ugha djus vkSj yhdst dh ejEer ugha djkus ls okgu esa vkx yxh gSA tokc ds vuqlkj chek daiuh }kjk losZ;j fu;qDr fd;k x;k] ftlds }kjk dqy 63]109@&:i;s ¼rjslB gtkj ,d lkS uks :-½ dk Dyse vlslesaV fd;k x;kA izkFkhZ us lwpuk ls vf/kdre 65]000@&:i;s ¼iSlB gtkj :-½ dk Dyse izkIr djus dk izLrko fn;kA Dyse izkl s sl djus ds nkSjku izkFkhZ }kjk fnuakd 19-07-2008 dh igys dh vof/k ds fy, us'kuy ba';ksjsl a daiuh fyfeVsM dk >wBk chek izek.k i= is'k fd;k x;k] ftlds dkj.k izkFkhZ dh chek ikWfylh 15 fnu dk uksfVl nsdj fu;ekuqlkj fujLr dh x;h ,ao izkFkhZ dk Dyse fnuakd 16-01-2009 ds i= }kjk [kkfjt dj fn;k x;kA bl izdkj viuh vksj ls chek daiuh }kjk dksbZ lsok esa deh dkfjr ugha djuk crk;k x;kA fo}ku ftyk eap us mHk; i{k dh lk{; izkIr dj] cgl lqudj vkyksP; fu.kZ; ikfjr fd;kA cgl tfj;s fofM;ksdksUQszflax lquh x;h ,ao i=koyh dk voyksdu fd;kA vihy esa cgl ds nkSjku ;ksX; vf/koDrk vihykFkhZ@izkFkhZ dk dguk gS fd Lohd`r rkSj ij vihykFkhZ@izkFkhZ ls izR;FkhZ chek daiuh us 4 fizfe;e izkIr dj okgu dk chek fd;k ,ao chek vof/k esa gh okgu {kfrxzLr gqvk] ftldks losZ;j us lgh ekurs gq;s uqdlku dk vkadyu fd;k fdUrq chek daiuh }kjk nks"kiw.kZ nq?kZVuk dk dfFkr rkSj ij vihykFkhZ@izkFkhZ ds okgu dh iwoZ dh vof/k dh chek ikWfylh >wBh gksuk crkrs gq;s Dyse fujLr fd;k x;k] tks lgh ugha gSA muds vuqlkj Lohd`r rkSj ij izR;FkhZ chek daiuh us fnuakd 16-02-2009 ls ikWfylh fujLr dh gS vFkkZr~ fnuakd 16-02-2009 ls iwoZ dh vof/k esa chek izkjaHk gksus dh fnukad ls ysdj mDr fnukad rd dh vof/k dks gksus okys uqdlku ds fy, chek daiuh mRrjnk;h gSA mUgksaus fo}ku ftyk eap ds vkyksP; fu.kZ; esa bl vk/kkj ij fookfnr fd;k fd fo}ku ftyk eap us xyr rjhds ls iwoZ dh ikWfylh dks >wBk gksus dk nkf;Ro vihykFkhZ@izkFkhZ dk ekurs gq;s ifjokn fujLr fd;k gS] tks fd lgh ugha gSA bu rdksZa dk ;ksX; vf/koDrk izR;FkhZ chek daiuh us fojks/k fd;k] muds vuqlkj izR;FkhZ chek daiuh dh vksj ls izLrqr nLrkostkr~ ds vuqlkj izR;FkhZ chek daiuh ls djok;s x;s chek dh vof/k fnukad 19-07-2008 ls 18-07-2009 dh e/; jkf= rd dh Fkh fdUrq blls iwoZ dh vof/k ds uqdlku dks chek ikWfylh ds lEcU/k esa tks ikWfylh izkFkhZ dh vksj ls izLrqr dh x;h gS] mlds ckcr~ iwoZ dh chek ikWfylh us'kuy ba';ksjsl a daiuh fyfeVsM ls tkudkjh izkIr djus ij ;g ik;k x;k fd 5 chfer okgu] okgu Lokeh eksgEen jetku dknjh dh vksj ls fnuakd 14-04-2007 ls fnuakd 13-04-2008 rd dh vof/k ds fy, chfer djok;k x;k Fkk] ftldk ikWfylh la[;k 2034981 FkkA okgu ds lEcU/k esa nks doj uksV ¼ikWfyfl;ka½ vfHkys[k ij dze'k% izn'kZ Mh&8 ,ao izn'kZ Mh&9 izLrqr fd;k x;k gS] ftuesa izn'kZ Mh&8 xyr <ax ls fnukad 19-07-2007 ls 17-07-2008 rd dk gksuk n'kkZ;k x;k gS] tcfd izn'kZ Mh&9 ds vuqlkj okLro esa okgu iwoZ chek daiuh us'kuy ba';ksjl sa daiuh fyfeVsM esa fnuakd 14-04-2007 ls 13-04-2008 dh vof/k ds fy, chfer FkkA muds vuqlkj fo}ku ftyk eap }kjk mHk; i{k dh lk{; ds vk/kkj ij xq.kkoxq.k ij iw.kZr% lgh fu.kZ; ikfjr fd;k x;k gSA geusa mDr rdksZa dk euu fd;k ,ao leLr vfHkys[k dk voyksdu fd;kA ;g lgh gS fd ljljh rkSj ij ns[kk tk; rks vihykFkhZ@izkFkhZ dk okgu nq?kZVuk dkfjr gksus okyh frfFk dks izR;FkhZ chek daiuh ds ;gak chfer Fkk ,ao mDr ikWfylh fnukad 16-02-009 rd izHkkoh Fkh ,ao mDr fnuakd ds i'pkr~ izR;FkhZ@vizkFkhZ chek daiuh us ikWfylh dks bl vk/kkj ij fujLr dj fn;k fd izR;FkhZ@vizkFkhZ chek daiuh ls chek izkIr djus ls iwoZ foKr vof/k dh chek dh tks ikWfylh ¼doj uksV½ izLrqr fd;k x;k Fkk] og >wBk@QthZ@dwVjfpr FkkA vfHkys[k ij izR;FkhZ@vizkFkhZ chek daiuh us izn'kZ&10 iwoZ dh chek daiuh us'kuy ba';ksjsl a daiuh 6 fyfeVsM ls izkIr lsD'ku 64 V iVhZdwyj izLrqr fd;k gS] ftlds vuqlkj ikWfylh la[;k 2034981 fnuakd 14-04-2007 ls 13-04-2008 dh vof/k esa eksgEen jetku dknjh ds uke ls okgu chfer Fkk vFkkZr~ vfHkys[k ls ;g Li"V gS fd izn'kZ Mh&8 ikWfylh ftlds vuqlkj okgu fnukad 19-07-2007 ls 18-07-2008 ds e/; chfer gksuk crk;k x;k gS] og lgh ugha gS ,ao Li"Vr% >wBk@QthZ@dwVjfpr gS gkykafd ;ksX; vf/koDrk vihykFkhZ@ifjoknh us ;g rdZ nsus dk iz;kl fd;k gS fd izR;FkhZ chek daiuh ;g lkfcr djus esa lQy ugha gq;h fd mDr nLrkost vihykFkhZ@izkFkhZ us gh izLrqr fd;k gS fdUrq ;fn rdksZa dks lqfo/kk dh n`f"V ls eku Hkh fy;k tk; fd vihykFkhZ@izkFkhZ us mDr izn'kZ Mh&8 ikWfylh izLrqr ugha dh gS rks Hkh ;g ns[krs gq;s fd izR;FkhZ chek daiuh chek izkjaHk gksus ls iwoZ dh vof/k dh chek dh fLFkfr ds lEcU/k esa ;g fLFkfr lkeus vk;h gS fd okgu okLro esa fnukad 13-04-2008 rd gh chfer Fkk] tcfd ;g n'kkZus dk iz;kl fd;k x;k gS fd okgu fnukad 18-07-2008 rd iwoZ chek daiuh ls chfer Fkk ,slh fLFkfr esa dsoyek= bl vk/kkj ij fd nksuksa i{kksa ds e/; chek lafonk gksus ,ao fnukad 16-02-2009 rd mDr lafonk izHkkoh gksus ds dkj.k fdlh Hkh fLFkfr esa izR;FkhZ@vizkFkhZ chek daiuh chek Dyse nsus gsrq mRrjnk;h gS] ;g lgh ekus tkus ;ksX; ugha gSA gekjs fouez erkuqlkj chek ikWfylh dh 'krZ 7 la[;k&8 bl izdkj ds ekeyksa esa fuf'pr :i ls ns[ks tkus ;ksX; gS] tks fuEu izdkj gS%& " The due obervance and fulfillment of the terms, conditions and endorsements of this policy in so far as they relate to anything to be done or complied with by the insured and the truth of the statements and answers in the said proposal shall be conditions precedents to any liability of the company to make any payment under this policy."
gekjs fouez erkuqlkj mDr 'krZ ds vuqlkj vihykFkhZ@izkFkhZ ls ;g visf{kr Fkk fd og vius okgu dh iwoZ dh vof/k ds chek ds lEcU/k esa lgh fLFkfr izdV djrk fdUrq mijksDr foospukuqlkj Lohd`r rkSj ij okLrfod chek vof/k fnuakd 13-04-2008 dks lekIr gks tkus ds ckotwn mlh ikWfylh dks fnuakd 18-07-2008 rd izHkkoh gksuk crkus ls lEcfU/kr nLrkost izLrqr fd;k x;k vFkkZr~ vihykFkhZ@izkFkhZ us vius }kjk izR;FkhZ chek daiuh ls dh x;h lafonk ds izHkkoh gksus ls iwoZ ikyu fd;s tkus okyh 'krZ dk mYy?kau fd;k gS] ftlds dkj.k i{kdkjku~ ds e/; fu"ikfnr lafonk izR;FkhZ chek daiuh }kjk Hkax fd;s tkus ;ksX; gS ,ao mlh vk/kkj ij izR;FkhZ@vizkFkhZ chek daiuh us bls Hkax fd;k gSA tgak rd losZ;j fu;qDr fd;s tkus ,ao uqdlku ds vkadyu dk lEcU/k gS] ;g ,d izfdz;kRed igyw gS ,ao dsoyek= bl vk/kkj ij mijksDr ifjfLFkfr;ksa esa ;g lkfcr gksus ds ckotwn dh izR;FkhZ chek daiuh ls ikWfylh djok;s tkus ls iwoZ dh vof/k ds chek ds lEcU/k esa 8 xyr fooj.k fn;k x;kA dsoyek= losZ;j fjiksVZ ds vk/kkj ij izkFkhZ Dyse izkIr djus dk vf/kdkjh ugha ekuk tk ldrkA mijksDr foospukuqlkj gekjs fouez erkuqlkj v/khuLFk ftyk eap us mHk; i{k dh lk{; dk xq.kkoxq.k ij lgh fo'ys"k.k djrs gq;s vkyksP; vkns'k ikfjr fd;k gS] ftlesa fdlh Hkh izdkj ls gLr{ksi djuk mfpr izrhr ugha gksrk gS ifj.kkeLo:i vihykFkhZ dh ;g vihy Lohdkj ;ksX;
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