State Consumer Disputes Redressal Commission
M/S Rakesh Raise Mil vs The New India Assurance Company Limited on 15 April, 2014
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Risk Covered:
1. Building - Rs. 19 lacs.
2. Plant and Machinery - Rs. 23 lacs.
3. Electrical Installation - Rs. 1.13 lacs.
4. Stocks - Rs. 23 lacs.
Total - Rs. 66.13 lacs.
fnukad&27-05-2010 dks vR;f/kd vka/kh&rwQku ds dkj.k jkbZl fey esa dkQh {kfr dkfjr gqbZ Fkh ftldh rRdky lwpuk vukosnd chek daiuh dks nh xbZ FkhA chek daiuh }kjk losZ;j dks ifjoknh ds ifjlj esa Hkstk x;k Fkk ijUrq losZ;j us viw.kZ fujh{k.k fd;k vkSj tks izfrosnu rS;kj fd;k Fkk mldh izfr ifjoknh dks iznku ugha dh xbZA ifjoknh }kjk Dyse QkeZ leLr nLrkostksa ds lkFk vukosnd dks izLrqr fd;k FkkA vka/kh vkSj rwQku ls ifjoknh dks yxHkx 40]00]000@&¼pkyhl yk[k :i;s½ dh {kfr dkfjr gqvk Fkk vkSj ftldk foLr`r fooj.k Hkh ifjoknh us izsf"kr fd;k FkkA vukosnd dh vksj ls fu;qDr losZ;j Jherh fdj.k NkcM+k fujh{k.k gsrq dsoy ,d ckj ifjoknh ds ifjlj esa vkbZ Fkh vkSj mlds ckn os Lo;a dHkh ugha vkbZ vkSj vius v/khuLFkksa ds ek/;e ls losZ fjiksVZ // 3 // rS;kj djok yh Fkh vkSj ml fjiksVZ dh tkudkjh ifjoknh dks ugha nh xbZ vkSj uk gh vkbZ-vkj-Mh-,- ds fu;eksa ds vuqlkj losZ fjiksVZ ds laca/k esa ifjoknh ls Lohd`fr fy;k Fkk vkSj vukosnd }kjk pkykdhiw.kZ d`R; djrs gq, fnukad&15-02-2011 dks ,d psd 2]22]710@&¼nks yk[k ckbZl gtkj lkr lkS nl :i;s½ Ogkmpj ds lkFk ifjoknh dks izsf"kr dj fn;k Fkk rFkk ifjoknh ls] mldh vYi f'kf{kr gksus dk ykHk mBkrs gq, Nis dkxtksa ij nLr[kr ys fy;s x;s vkSj 2]22]710@&¼nks yk[k ckbZl gtkj lkr lkS nl :i;s½ dk psd iznku fd;k FkkA ifjoknh us vius vf/koDrk ds ek/;e ls fnukad&07-03-2011 dks jftLVMZ Mkd }kjk vukosnd dks uksfVl Hkstk Fkk vkSj ftldk tokc Hkh ifjoknh dks izkIr gqvk FkkA vukosnd us diViwoZd ifjoknh ds nkos dks vLohdkj fd;k gS rFkk ifjoknh dks igaqph {kfr dk vkadyu vR;f/kd de fd;k x;k gS vkSj losZ;j }kjk =qfViw.kZ fjiksVZ iznku dh xbZ gSA ifjoknh dh tks e'khusa [kjkc gqbZ Fkh mldk dksVs'ku Hkh losZ;j dks fn;k x;k Fkk ijUrq bl ij dksbZ /;ku ugha fn;k x;k rFkk vukosnd us i;kZIr dkj.k ds fcuk vaMj ba';ksjsal dk fl}kUr viuk;k gS vkSj bl izdkj vukosnd }kjk vuqfpr O;kikj ,oa lsok esa deh fd;k x;k gS ftlds dkj.k ifjoknh dks ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= dh dafMdk&25 esa of.kZr vuqrks"k ifjoknh dks vukosnd ls fnykbZ tkosA 03- vukosnd] U;q bafM;k ba';ksjsl a daiuh fyfeVsM dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh ls lwpuk izkIr gksus ij vkbZ-vkj-Mh-,- ls vuqKfIr izkIr losZ;j Jherh fdj.k NkcM+k dks {kfr ds vkadyu gsrq losZ;j fu;qDr fd;k x;k Fkk vkSj losZ;j us ifjoknh vkSj mlds izfrfuf/k;ksa dh mifLFkfr esa fnukad&29-05-2010 dks tkdj fujh{k.k fd;k Fkk vkSj losZ;j us ;g ik;k fd ifjoknh }kjk NksVh fcfYMax esa dk;kZy; 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fey feL=h f?kojk jk;iqj dk LVhesV fnukad&28-06-2010] esllZ iq:"kksRre vxzoky dk fcy fnukad&18-06- 2010] f'koe daLVªD'ku }kjk fn;k x;k ewY;kadu izfrosnu] vUuiw.kkZ Qkm.Mªh oDlZ dk dksVs'ku fnukad&07-06-2010] Jherh fdj.k NkcM+k }kjk fn;k x;k losZ;j fjiksVZ fnukad&30-10-2010] ftyk foi.ku vf/kkdjh] NRrhlx<+ jkt; lgdkjh foi.ku la?k e;kZfnr jk;iqj ,oa jkds'k jkbZl fey ds chp gqbZ lafonk dh Nk;kizfr ,oa lkSnk i=d dh Nk;kizfr;ksa rFkk QksVks xzkQ~l dks izzLrqr fd;k x;k gSA 06- vukosnd chek daiuh dh vksj ls chek ikWfylh 'krksZa lfgr rFkk ifjoknh }kjk izsf"kr {kfr lwpuk&i= ,oa losZ;j fjiksVZ rFkk ifjoknh }kjk fn, x, tkudkjh ,oa fo|qr fcy rFkk vUuiw.kkZ Qkm.Mªh oDlZ dk dksVs'ku] ns;d Ogkmpj ,oa psd vkfn dh Nk;kizfr izLrqr fd;k x;k gSA 07- ifjoknh dh vksj ls milatkr gksus okys vf/koDrk Jh vkj- ds- Hkkoukuh dk rdZ gS fd ifjoknh us vka/kh&rwQku ls gksus okys uqdlku dh rRdky lwpuk vukosnd chek daiuh dks fn;k Fkk ijUrq vukosnd chek daiuh ds losZ;j }kjk lgh :i ls {kfr dk vkadyu ugha fd;k x;k vkSj losZ;j Jherh fdj.k NkcM+k dsoy ,d ckj ifjoknh laLFkku ds ifjlj esa vkbZ Fkh fQj nksckjk dHkh ugha vkbZ vkSj =qfViw.kZ <ax ls {kfriwfrZ dk vkadyu dj fjiksVZ izLrqr dh gSA mDr fjiksVZ vius vki esa lansgkLin gS rFkk pwfa d losZ;j us okLrfod {kfr;ksa dk ewY;kadu ugha fd;k gS ,slh fLFkfr esa losZ;j fjiksVZ dks vdkV~; 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Ltd Vs. Giriraj Proteins IV (2012) CPJ 151 (NC) rFkk Qqy ,.M QkbZuy lsVyesaV ds lac/a k esa Oriental Insurance Co. Ltd & Ors Vs. Government Tool Room and Training Centre I (2008) CPJ 267 (NC) rFkk First Appeal No. 152/2011 New India Assurance Co. Ltd. Vs. Shiv Khanna fu.kZ; fnukad&12-02-2004 rFkk bl vk;ksx ds vihy dzekad&120/2005 Amalndu Rudra Vs. The Oriental Insurance Co. Ltd & Ors vkns'k fnukad&12-07-2005 ,oa Kanoria Chemicals and Industries Ltd. Vs. National Insurance Company Ltd. 2008 (1) CPR 288 (NC) ,oa VElZ ,.M daMh'ku dh izfr ugha fn;s tkus ds lac/ak esa M/s Modern Insulators Ltd. Vs. Oriental Insurance Co. Ltd I (2000) CPJ 1 (SC) ds U;k; n`"Vkar dk voyacu fy;k gSA // 8 // 09- vukosnd chek daiuh dh vksj ls milatkr gksus okys vf/koDrk Jh ih- ds- ikWy dk ;g rdZ gS fd ifjoknh }kjk lwpuk izkIr gksus ij vkbZ-vkj-Mh-,- ls ekU;rk izkIr losZ;j Jherh fdj.k NkcM+k dks fu;qDr fd;k x;k FkkA Jherh fdj.k NkcM+k ekSds ij xbZ Fkh vkSj ifjoknh }kjk tks Hkh nLrkost miyC/k djk;k x;k Fkk mlh ds vk/kkj ij losZ;j fjiksVZ rS;kj fd;k x;k gS vkSj losZ;j us ekSds ij ;g ik;k Fkk fd e'khujh IykaV iw.kZr% lqjf{kr Fks rFkk tks cksfj;ksa esa /kku j[ks gq, Fks og iw.kZr% lqjf{kr Fks mlesa fdlh izdkj dh {kfr ugha ikbZ xbZ FkhA ifjoknh us dqN cksfj;ksa dks Qsaduk crk;k Fkk ijUrq ifjoknh og LFkku fn[kk ikus esa vleFkZ jgk gS vkSj blls Li"V gS fd ifjoknh }kjk feF;k dFku fd;k x;k gS fd ifjoknh }kjk fdl izdkj cksfj;ksa dk O;;u fd;k x;k Fkk mls lkfcr ugha dj ldk gSA ifjoknh Lo;a tks fd jkbZl fey dk O;olk; djrk gS] ds }kjk Ogkmpj ij gLrk{kj fd;k x;k gS vkSj ,slh fLFkfr esa tc ,d ckj dksbZ nLrkost fu"ikfnr gks tkrk gS rks og nLrkost ml i{k ij ca/kudkjh gks tkrk gSA ifjoknh }kjk ,slk dksbZ rF; ugha yk;k x;k gS ftlls ;g izdV gks fd mlus fcuk le>s vkSj i<+s Ogkmpj ij gLrk{kj fd;k gSA ifjoknh us Lo;a fyf[kr esa fn;k Fkk fd pkaoy [kjkc gks jgs Fks rks cSad okys ds dgus ij yksM djds Qsad fn;k gS ijUrq fdl LFkku esa Qsd a k x;k gS] mlds lac/ak esa tkudkjh nsus esa vleFkZ jgk gSA ifjoknh }kjk fMLpktZ Ogkmpj esa gLrk{kj fd;k x;k gS vkSj fMLpktZ Ogkmpj esa gLrk{kj fnukad&17-10-2011 dks fd;k x;k gS vkSj ifjoknh dks fnukad&16-10-2011 ds i= ds ek/;e ls psd dzekad&007642 fnukad&15-02-2011 ds }kjk 2]22]710@&¼nks yk[k ckbZl gtkj lkr lkS nl :i;s½ dk psd izsf"kr fd;k x;k Fkk ijUrq ifjoknh us fnukad&09-03- 2011 dks mDr psd ds laca/k esa vk{ksi fd;k vFkkZr~ yxHkx 12&13 fnu ckn ifjoknh }kjk Ogkmpj ds fu"iknu dks badkj fd;k x;k gS tks fd // 9 // vius vki esa lansgkLin gS vkSj blls Li"V gS fd ifjoknh us ckn esa tku&cw>dj vf/kd ykHk izkIr djus ds vk'k; ls ;g nkok izLrqr fd;k gSA Jherh fdj.k NkcM+k ekU;rk izkIr losZ;j ,oa ykWl vlslj gS vkSj mlus ekSds ij tkdj fujh{k.k ds i'pkr~ gh viuh fjiksVZ rS;kj dh gSA losZ;j fjiksVZ ,d egRoiw.kZ nLrkost gS vkSj mls izFke n`"V;k lansgkLin ekurs gq, R;Dr ugha fd;k tk ldrk tc rd fd mls vdkV~; lk{; ds }kjk [kf.Mr uk dj fn;k tkosA ifjoknh ds }kjk ,slk dksbZ lk{; ugha yk;k x;k gS ftlds vk/kkj ij ;g ekuk tk lds fd losZ;j fjiksVZ lansgkLin gS vkSj ,slh fLFkfr esa tks fd iw.kZ larqf"V esa jfk'k izkIr dj fy;k gS] ifjokn pyus ;ksX; ugha gSA ifjoknh dksbZ Hkh vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjokn fujLr fd;k tkosA 10- vukosnd ds fo}ku vf/koDrk us losZ;j fjiksVZ ds lac/ak esa Oriental Insurance Co. Ltd Vs. Mehta Wool Store 2008 NCJ 82 (NC) rFkk Bhim Singh Vs. National Insurance Co. Ltd. IV (2011) CPJ 323 (NC) rFkk KhimjiBhai & Sons Vs. New India Assurance Co. Ltd. IV (2011) CPJ 458 (NC) ds U;k; n`"Vkar dk voyacu fy;k gSA 11- vukosnd chek daiuh ds fo}ku vf/koDrk dk ;g Hkh rdZ gS fd pwfa d ifjoknh us iw.kZ larqf"V esa jkf'k izkIr dj fy;k gS vkSj vc og {kfriwfrZ dh jkf'k ds Quantum ¼[email protected]½ ds lac/a k esa fookn mRiUu fd;k gS blfy, bl vk;ksx dks fopkj.k dk {ks=kf/kdkj ugha gS vkSj bldk fujkdj.k l{ke flfoy U;k;ky; }kjk gh fd;k tk ldrk gS vkSj ifjoknh dks flfoy okn lafLFkr dj vuqrks"k izkIr djuk pkfg,A bl lac/a k esa vukosnd chek daiuh dh vksj ls Champalal Verma Vs. // 10 // Oriental Insurance Co. Ltd. III (2008) CPJ 93 (NC) ds U;k; n`"Vkar dk voyacu fy;k x;k gSA 12- geus mHk;i{k ds fo}ku vf/koDrkvksa dk rdZ Jo.k fd;k rFkk vfHkys[k dk ifj'khyu fd;k x;kA 13- ;g Lohd`r gS fd bl izdj.k esa Jherh fdj.k NkcM+k dks losZ;j fu;qDr fd;k x;k Fkk vkSj ;g Hkh Lohd`r gS fd Jherh fdj.k NkcM+k ifjoknh ds ifjlj esa fujh{k.k ds fy, xbZ FkhA gkykafd ifjoknh dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd dsoy ,d ckj vkSipkfjd fujh{k.k ds fy, xbZ Fkh mlds i'pkr~ mlds lgk;d }kjk fjiksVZ rS;kj fd;k x;k ijUrq ifjoknh ds }kjk bl laca/k esa dksbZ larks"kizn lk{; ugha gS fd losZ;j Jherh fdj.k NkcM+k us ifjlj dk mfpr :i ls fujh{k.k ugha dh gSA 14- ifjoknh }kjk Jherh fdj.k NkcM+k ls iz'ukoyh ds ek/;e ls izfrijh{k.k fd;k gS vkSj Jherh fdj.k NkcM+k us iz'ukoyh dk mRrj 'kiFk&i= ds izk:i esa izLrqr dh gS vkSj iz'u dzekad&2 ds mRrj esa Li"V :i ls dFku gS fd og fnukad&28-05-2010 dks vka/kh&rwQku dh {kfr ds vkadyu gsrq esllZ jkds'k jkbZl fey esa xbZ Fkh rFkk vius mRrj dh dafMdk&6]7]9]10]12]16]18]20 ,oa 24 esa foLr`r mRrj izLrqr dh gS tks fuEukuqlkj gS%&
6. That, I saw the water has entered in the Stock kept in go-down and testing of same needs to be done. The building shed and structure etc. have been affected due to storm resulting the A.C. sheets fixed on roof have been uprooted. The occurrence of rains after the storm has affected the stocks of rice, rice bran, Rafi etc. lying in the plant shed of the insured. The insured was suggested fo safeguard the affected // 11 // material from further damage and the segregation and weighment of the affected and safe goods was to be done. It was noted/observed in the few rice bags that the water has entered and the pieces of rice have formed lumps. The detail checking of each bag was yet to be done. The Stock of Paddy about 30 bags, as some was in bags and some quantity was lying loose on ground was noted to be visibly safe and escaped from any damages due to water entry. The insured was of the opinion that slight water has entered in paddy also so I suggested him to segregate the same and testing of affected sample would be done to finalise the same.
7. That, the total stock of Rice on the day of my first visit was of Qwt. 403.75 Qtls for Rs. 7,51,800.00 (Rupes Seven lacs fifty one thousand and eight hundred only). The tatal paddy in th plant was for value of Qty. 15.0 Qtl for Rs. 22,500.00 (Rupees twenty two thousand and five hundred only). Where as the insured has claimed for rice of Qty. of 1,070 Qtls. in his estimate which is in excess of more than hundred percent. The paddy has been claimed of Qty. of 60 Qtl., which is four times of the stock observed on my first visit. The estimate (A-13) submitted of date 10.06.2010 is without any seal/signature.
9. That, the insured did not call the undersigned and further on my own I visited the insured's plant on date 02.06.2010 and was surprised to note that the entire rice which was kept for FCI was missing and the insured explained us that as it had been affected by water entry so the same has been thrown and disposed. I asked the insured that why they have disposed without segregating the safe and affected material and without the knowledge and consent of surveyor/insurance company for which the insured could not reply satifactorily and told us that their financer told them to throw the affected material. I further asked the insured to show the place where he has thrown the dameged material, but he was unable to show the same. This was taken in writing from the insured and the same has been enclosed with my survey report.
// 12 //
10. That, the insured has finished the opportunity of the surveyor to assess the loss to the stocks as the weighment of the stock was yet to be done after segregating the safe and affected material. This is to be noted by the insurers. The statement of insured was taken is enclosed herewith. It was also observed during my second visit dated 02.06.2010 that the stock of rice was being loaded in the truck (photo enclosed in CD) and the insured explained us that they have mixed major proportion of good quality rice with minor proportion of the rice affected by water and in this way they are selling it to FCI. This indicated that the loss to the stock was not of very severe nature and some of the affected rice was being utilized by the insured by mixing it with the good quality rice and selling it to their customers.
12. That, the insured has claimed for Bran new polisher of Rs. 3,00,000.00 with 4HP blower etc and on my visit date 21.06.2010, the polisher was turned on and it was noted to be in working condition, thus as per the insured peril of storm the item has not been affected thus disallowed. The video shooting (11 files taken on date 21.06.2010) of plant machinery in running condition has been done and enclosed in the CD for the reference and records of the insurer's. One more copy of CD is being enclosed with this affidavit for the kind perrsal.
16. That, the mill has been in operation/function after the occurrence of this loss and production has been taken out as told by the insured so once the mill has started no question arises of any calim on the part of plant and machinery.
18. That, the insured has not replaced any part of plant and machinery as claimed by him till the submission of our report. In case the parts have been affected, the insured should have gone for replacement of the same.
20. That, the insured has claimed for complete new plant and machinery as if the storm and rains followed by storm has completely damaged the plant and machinery and further the production has also // 13 // been taken out of the plant after the date of occurrence of loss. So, both things are contradictory.
24. That, the lot no. 31013 was noted lying in the go-down of insured on 29.05.2010 i.e. on my first visit and as the qty. of rice noted lying was 225 qtl. in bags and rest in loose condition so how the insured is claiming for 500 qtls. of rice common as demanded in his estimete, I have, however considered the loss as 20% as the rice was noted to be wet and affected but in appears that major portion of the rice from the bags have been recovered by the insured and mixed with fresh stocks and sold to FCI and further the rice has been supplied no 10.06.2010 and the date of loss is 27.05.2010 so after the occurrence of mishap some more prodution might have been taken by the insured. This is very significant to be noted by the insurers.
15- Sunanda Kishor Bhand & Anr. Vs. United India Insurance Company Limited I (2014) CPJ 369 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd %& "8. The second authority is reported in New India Assurance Company Ltd. V. Pardeep Kumar, IX (2009) ACC 356 (SC)=(2009) 7 Supreme Court Cases 787, wherein it was held:
"22. In other words although the assessment of loss by the approved Surveyor is a prerequisite for payment or settlement of claim of twenty thousand rupees or more by insurer, but surveyor's report is not the last and final word. It is not that sacrosanct that it cannot be departed from; it is not conclusive. The approved surveyor's report may be the basis or foundation for settlement of a claim by the insurer in respect of the loss suffered by the insured but surely such report is neither binding upon the insurer nor insured."
10. In United India Insurance Co. Ltd. & Others v. Roshan lal Oil Mills Ltd. & Ors., (2000) 10 Supreme Court Cases 19, in para No.7, it was held:
// 14 // "7. The appellant had appointed joint Surveyors in terms of Section 64-UM (2) of the Insurance Act, 1938. Their report has been placed on the record in which a detailed account of the factors on the basis of which the joint Surveyors had come to the conclusion that there was no loss or damage caused on accoun of fire, was given and it was on this basis that the claim was not found entertainable. This is an important document, which was placed before thh Commission but the Commission, curiously, has not considered the teport. Since the claim of the respondent was repudiated by the appellant on the basis of the joint survey report, the Commission was not justified in awarding the insurance amount to the respondent without adverting itself to the contents of the joint survey report specially the factors enumerated therein. In our opinion, non-consideration of this important document has resulted in serious miscarriage of justice and vitiates the judgment passed by the Commission. The case has, therefore, to be sent back to the Commission for a fresh hearing."
11. It is well settled law that a surveyor's report has significant evidentiary value, unless is proved otherwise which the complainant has failed to do so in the case. This view was taken in the case of D.M- Badoni v. Oriental Insurance Co.Ltd., I (2012) CPJ 272 (NC).
16. In the case of Ashu Textiles v. New India Assurance Company & Anr., III (2009) CPJ 272 (NC), Hon'ble National Commission observed that the Surveyor's report has to be given more weightage than the report of Fire Brigade and compensation to be assessed on basis of detailed survey report.
17. In Khimjibhai & Sons v. New India Assurance Co. Ltd., IV (2011) CPJ 458 (NC), Hon'ble National Commission observed that "It is // 15 // to be noted that it is in accordance with the requirement of law that a surveyor is required to be appointed by the Insurance Company and when such a surveyor who is licensed professional to assess such loss gives a report with reasons to support the same, such a report can be discredited only on the basis of specific grounds which are required to be recorded in the order."
18. In the case of Ankur Surana v. United India Insurance Co. Ltd., I (2013) CPJ 440 (NC), Hon'ble National Commission observed that "it is well established by now that the report of the surveyor is an important document and the same should not be rejected by the Fora below unless cogent reasons are recorded for doing so. The State Commission has stated that it did not see any legal ground before the District Forum to reject the report of the Surveyor. The report of the surveyor should have been rebutted on behalf of the complainant/petitioner since the respondents/OPs had filed the surveyor's report as their evidence."
19- bl izdj.k esa Jherh fdj.k NkcM+k dk losZ;j fjiksVZ layXu gS rFkk Jherh fdj.k NkcM+k dh iz'ukoyh ds ek/;e ls ifjoknh }kjk izfrijh{k.k fd;k x;k gS vkSj losZ;j }kjk tks mRrj fn;k x;k gS mldk mYys[k bl vkns'k dh dafMdk&14 esa foLr`r :i ls fd;k x;k gS rFkk losZ;j us viuh fjiksVZ esa {kfr ds vkadyu ds laca/k esa tks fu"d"kZ fn;k gS og iw.kZr% mfpr gS vkSj ldkj.k fu"d"kZ fn;k x;k gS vkSj lai.w kZ rF;ksa ds ifj'khyu ds i'pkr~ gh 2]23]020-10 ¼nks yk[k rsbZl gtkj chl :i;s nl iSl½s dh {kfr dk vkadyu fd;k x;k gSA // 16 // 20- losZ;j }kjk ifjoknh ls [kjkc pkaoy ,oa iqjkus lkeku ds laca/k esa i`PNk fd;k x;k Fkk bl ij ifjoknh }kjk i= fnukad&02-06-2010 ,oa fnukad&21-06-2010 ds }kjk mRrj izsf"kr fd;k x;k tks fd dze'k% nLrkost dzekad&vks-ih-&4 ,oa vks-ih-&5 gSA vks-ih-&4 ds }kjk ;g crk;k x;k gS fd **geus tks [kjkc pkaoy Fkk mls cSad okys ds dgus ij yksM djds Qsad fn;k ,oa dgka Qsadk ;g tkudkjh ugha gS D;ksfa d Orissa dh xkM+h esa fHktok;k gSA** mlh izdkj i= fnukad&21-06-2010 vks-ih-&5 esa ;g crk;k x;k gS fd& **1- Paddy cleaner 02 Bearing chang fd;k gSA 2- Paddy cleaner dk tkyh chang fd;k gSA 3- Polisher stone chang fd;k gS Polisher ij ikuh ls dksbZ uqdlku ugha fn[kkA 4- iqjkuk lkeku fn[kk;k& Polisher Stone Bearing 02, tkyhA 5- Shed lc Repair gks x;k gSA 6- Stock vkt dh rkjh[k esa dqN Hkh ugha fn[kk;k gSA (Damage Stock Nil as on date) 7- vkSj Machinery [kqyus ij losZ;j dks lwpuk nsx a sA Rakesh Rice Mill & ,d Seperator can gkyr esa tks Use ugha gks jgk Fkk og j[kk Fkk Fit ugha FkkA & Rice Mill Plant dk lc Machinery pkyw djk dj ds ns[kk vkSj Working Condition i.e. Machinery pkyw FkhA & Motor dk Wiring [kksy dj ugha fn[kk;k x;kA & ,d Seperator gS tks pkyw ,oa nwljk fudky dj j[kk gqvk gSA ** 21- ;g vk'p;Ztud gS fd ifjoknh Lo;a us xkM+h esa yksM dj [kjkc pkaoy dks fQadok;k gks vkSj mls Lo;a tkudkjh uk gksA ifjoknh }kjk // 17 // fdl okgu ls fQadok;k x;k gS] ml okgu dk uacj Hkh mYys[k ugha fd;k x;k gS rFkk ifjoknh }kjk fn, x, mRrj ls izdV gksrk gS fd ifjoknh }kjk okLrfod rF;ksa dks fNikrs gq, tkudkjh fn;k x;k gS vkSj bu lc ifjfLFkfr;ksa esa losZ;j }kjk {kfr dk vkadyu fd;k x;k gS ml ij vfo'okl djus dk dksbZ vk/kkj fo|eku ugha gSA losZ;j fjiksVZ ds laca/k esa ifjoknh }kjk dksbZ fu'p;kRed lk{; izLrqr ugha fd;k x;k gS ftlds vk/kkj ij losZ;j fjiksVZ dks R;Dr fd;k tk lds vkSj ,slh fLFkfr esa mijksDr U;k; n`"Vkarksa ds ifjizs{; esa losZ;j }kjk fn;k x;k fjiksVZ ,d egRoiw.kZ lk{; gS vkSj ml ij vfo'okl djus dk dksbZ vk/kkj fo|eku ugha gSA 22- bl izdj.k esa ifjoknh dh vksj ls ;g O;Dr fd;k x;k gS fd ifjoknh us lsVyesaV Ogkmpj ij gLrk{kj fd;k gS vkSj 2]22]710@&¼nks yk[k ckbZl gtkj lkr lkS nl :i;s½ dk psd Lohdkj fd;k gS vkSj rRdky fojks/k uk djrs gq, jde Lohdkj djus ds yxHkx&12&13 fnu ckn ifjoknh }kjk uksfVl Hkstk x;k gS vkSj lsVyesaV Ogkmpj ij ifjoknh ds gLrk{kj gSA ifjoknh jkbZl fey dk lapkyd gS vkSj ,slh fLFkfr esa mldk ;g dFku fd og de i<+k&fy[kk gS] Lohdkj ;ksX; ugha gSA 23- ifjoknh us lsVyesaV Ogkmpj ij gLrk{kj dks vLohdkj ugha fd;k gS vfirq mldk ;g rdZ jgk gS fd og de i<+k&fy[kk O;fDr gS ftlds dkj.k fizaVsM QkeZ esa nLr[kr dj fn;k gSA 24- Bharathi Knitting Company vs. DHL Worldwide Express Courier Division of Airfreight Ltd. (1996) 4 Supreme Court Cases 704, esa ekuuh; loksZPp U;k;ky; }kjk ;g vfHkfu/kkZfjr fd;k gS fd %& // 18 // "6.............it was stated that a person who signs a document containing contractual terms is normally bound by them even though he has not read them, and even though he is ignorant of their precise legal effect. But if the document is not signed, being merely delivered to him, then the question arises : whether the terms of the contract were adequately brought to his notice ? The terms of the contract have elaborately been considered and decided. The details thereof are not necessary for us to pursue. It is seen that when a person signs a document which contains certain contractual terms, as rightly pointed out by Mr. R.F. Nariman, learned Senior Counsel, that normally parties are bound by such contract; it is for the party to establish exception in a suit. When a party to the contract disputes the binding nature of the singed document, it is for him to prove the terms in the contract or circumstances in which he came to sign the documents need to be established."
25- bl izdj.k esa lsVyesaV Ogkmpj izLrqr fd;k x;k gS vkSj ml ij ifjoknh dk gLrk{kj gS vkSj ,slh fLFkfr esa ;g fln~/k djus dk Hkkj ifjoknh ij Fkk fd og fdu ifjfLFkfr;ksa esa lsVyesVa Ogkmpj ij gLrk{kj fd;k gS ijUrq ifjoknh }kjk bl lac/ak esa dksbZ fu'p;kRed lk{; izLrqr ugha fd;k gS vkSj dsoy ifjoknh dk ;g vfHkopu fd mlus fizaVsM QkeZ esa de i<+k&fy[kk gksus ds dkj.k nLr[kr dj fn;k Fkk] Lohdkj ;ksX; ugha gSA 26- bl izdj.k esa vukosnd chek daiuh dk ;g vfHkopu gS fd ifjoknh us Ogkmpj ij gLrk{kj dj psd izkIr fd;k gS vkSj bl izdkj ifjoknh iw.kZ rqf"V esa psd dks Lohdkj fd;k gS blfy, vc dksbZ okndkj.k 'ks"k ugha jg tkrk gSA geus fojks/kh i{k dh vksj ls izLrqr // 19 // nLrkost dzekad&9 tks fd MLpktZ Ogkmpj gS] dk ifj'khyu fd;k x;kA bl ij ifjoknh ds gLrk{kj gSa vkSj blesa fy[kk gqvk gS fd& **:i;s dh jkf'k izkIr gqbZ Two lac twenty three thousand twenty only ftls eSa@ge ikWfylh uacj&11@09@11@00000661 ds v/khu dEiuh ds ckjs esa esjs@gekjs nkos dh iw.kZ n`f"V vkSj mUekspu esa Lohdkj djus dk djkj djrk gW@ aw djrs gSaA** bl nLrkost ds ifj'khyu ls Li"V gS fd fMLpktZ Ogkmpj esa ifjoknh ds gLrk{kj gSa vkSj ifjoknh ;g lkfcr ugha dj ldk gS fd mlus fcuk le>s ;k ncko esa vkdj mDr nLrkost esa gLrk{kj fd;k gSA
27. In Chittiprolu Lokeswara Rao v. United India Insurance Co. Ltd & Anr., I (2014) CPJ 39 (NC), Hon'ble National Commission, has observed thus :-
"9. Learned Counsel for the petitioner has placed reliance on II (1999) CPJ 10 (SC) = VI (1999) SLT 590 = (1999) 6 SCC 400, United India Insurance v. Ajmer Singh Cotton & General Mills and Ors., in which it was held that the mere execution of the discharge voucher would not always deprive the consumer from preferring claim if he is in a position to satisfy that discharge voucher has been obtained under the circumstances which can be termed as fraudulent or exercise of undue influence or by misrepresentation. We agree with the principle laid down in aforesaid judgment, but in the case in hand, we do not find any circumstances proving fraud, undue influence, misrepresentation etc. on the part of OP. Letter dated 10.5.2010, appears to be in the handwriting of complainant himself and no protest was made till encashment of cheques. In such circumstances, aforesaid citation does not help to the petitioner. He has also placed reliance on decision of this // 20 // Commission in R.P.No.4275 of 2007 decided on 11.1.2008 in which it was held as under :
"5. The complainant has submitted in his complaint that after 7 days of receipt of Rs.3,45,968/-, the complainant had approached the Insurance Company (O.P.1) and demanded the balance amount which was declined and he was asked to approach O.P.2. He further submitted that since the entire stock was burnt and the business had come to a standstill and because of financial crisis and heavy loss of interest, the complainant was constrained to sign on the discharge voucher, which was in a printed format. Therefore, he had no option but to file a complaint for the balance amount. This we feel is an act of coercive bargaining indulged in by the Insurance Company. A distressed insured person, who has lost all mans of earning his livelihood in a catastrophic fire, has no other choice but to accept any amount as an initial payment in the first instance.
10. Facts of aforesaid case are different from the facts of case in hand. In the aforesaid case printed discharge voucher was signed by the complainant under compelling circumstances and complainant approached Insurance Co. just after 7 days of receipt of payment whereas in the present case, complainant has given letter in his own handwriting and notice has been given after 50 days of letter dated 10.05.2010 for final settlement."
28. In National Insurance Company Ltd. vs. Nipha Exports Pvt.
Ltd. 2007 (1) CPR 80 (SC , Hon'ble Supreme Court observed thus:
"9. In the letter, thus read there is no complaint that the discharge voucher or receipt had been obtained from the complainant respondent herein fraudulent or by exercise of undue influence or by misrepresentation or the like or coercive bargaining. In the case of United India Insurance Vs. Ajmer Singh Cotton & General Mills, (1999) 6 SCC 400, it was pointed out by this Court that mere execution of discharge voucher would not always deprive the consumer from preferring claim with respect to the deficiency in service or consequential benefits arising out of the amount paid in default of the service tendered. It was further pointed out that despite execution of the discharge voucher, the consumer may be in a position to satisfy the Tribunal or the Commission under the Act that such discharge voucher or receipt had been obtained from him under // 21 // circumstances which can be termed as fraudulent or exercise of undue influence or by misrepresentation or the like, and if such a case is proved, the authority before whom the complaint is made would be justified in granting appropriate relief.
11. In the present case, the claim of the complainant was finally settled by a letter dated 8.4.1994 and the payment was made on 8.6.1994, which was accepted by the respondent without any qualifications. It cannot, therefore, be said that the payment was made belatedly. The important date on which the quantum of compensation and to whom it should be paid is finally decided and not from the dates on which the correspondences ensured between the parties."
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