State Consumer Disputes Redressal Commission
United India Insurance Company Limited ... vs Ram Avtar S/O Shri Nihal Singh on 6 April, 2026
1
jktLFkku jkT; miHkksDrk fookn izfrrks'k vk;ksx]
lfdZV cSap] Hkjriqj ¼jkt-½
vihy la[;k %& 112@2024
United India Insurance Company Limited, having its branch office at Dhulkot
Road, Dholpur through its Divisional Manager, United India Insurance Company
Limited having its Divisional Office Exhibition Road, Kumher Gate, Bharatpur
&& APPELLANT/NONCOMPLAINANT
Versus
Ram Avtar Son of Sh. Nihal Singh, Resident of Patti Jashupura, The.- Maniya,
Distt.- Dholpur.
&&RESPONDENT/COMPLAINANT
le{k %& ekuuh; Jh eqds'k] lnL; ¼U;kf;d½ ekuuh; Jh fnus'k dqekj] lnL;
mifLFkr %&
Jh fot; dqekj xks;y] vf/koDrk &&vihykFkhZ
Jh vfer [kqaVsfV;k] vf/koDrk &&izR;FkhZ@ifjoknh
cgl lquus dh fnukad %& 07@01@2026
fu.kZ; lqukus dh fnukad %& 06@04@2026
&%% fu.kZ; %%&
1- vihykFkhZ@foi{kh United India Insurance Company Limited us ;g
vihy izR;FkhZ@ifjoknh Ram Avtar ds fo:) ftyk miHkksDrk fookn izfrrks"k vk;ksx] /kkSyiqj ¼ftls vkxs fu.kZ; esa lqfo/kk dh n`f"V ls la{ksi esa ftyk miHkksDrk vk;ksx ds uke ls lacksf/kr fd;k tkosxk½ ds fu.kZ; fnukad 14@08@2024 ls O;fFkr gksdj jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV cSap] Hkjriqj esa fnukad 25@11@2024 dks izLrqr gqbZA 2- vihy ls lacfa /kr ifjokn&i= ds rF; la{ksi esa bl izdkj ls gS fd ifjoknh dk ,d Vªd ftldk pSfll uaå MAT448037 F2 K17988 gS ,oa batu uaå 63474359 gSA Vªd dk fuekZ.k o"kZ 2015 gS rFkk Vªd dk iath--r uaå RJ 11 GA 9062 gSA ifjoknh }kjk mä Vªd dk chek foi{kh chek dEiuh ls chek i‚fy'kh uaå 1414013116P112702315 fnukad 27@12@2016 ls 26@12@2017 rd ds fy, chfer djk;k gqvk gSA foi{kh us ifjoknh ds okgu dks chfer djrs jkT; miHkksDRkk vk;ksx] lfdZV csp a ] Hkjriqj United India Ins. cuke jkevorkj vihy la[;k& 112@2024 2 gq, 40]705@&:å dh uxn jkf'k çkIr dj ifjoknh ds Vªd dh ba';ksjsal fjLd doj oSY;w 17]00]000@& #i, chek çhfe;e çkIr dhA ifjoknh ,oa oS/k Mh,y /kkjd fQjkst mä okgu Vªd fnukad 14@09@2017 dks ,sVk ls fxêh [kkyh dj okfil ykSV jgs FksA pkyd mä Vªd lapkyu djrs gq, jkf= djhc 11%15 ds vklikl 'kkSp ds fy, Vªd dks lM+d fdukjs lkbM esa yxkdj Vªd dh dSfcu dks iw.kZ y‚d yxkdj pyk x;kA tc pkyd 'kkSp ds ckn nLr vkfn dh nokbZ ysdj 15 ls 20 feuV ckn ykSVk rks pkyd dks okgu lM+d fdukjs ugha feykA mä ?kVuk dh lwpuk pkyd }kjk iqfyl daVªksy :e ,oa ifjoknh dks nhA ifjoknh us lqcg rqjUr Fkkuk cjgu igqapdj Vªd ds pksjh tkus ckcr fjiksVZ iqfyl Fkkus esa ntZ djkuh pkgh ysfdu iqfyl }kjk fjiksVZ ugha fy[kh] ftl ij ifjoknh us U;k;ky; ds ek/;e ls Fkkuk cjgu ij ,Q-vkbZ-vkj- ua0 261 dk;e dh xbZA mä ?kVuk esa okgu Vªd ds lHkh vly dkxtkr Hkh Vªd ds lkFk pksjh gks x;sA ifjoknh us nwljs fnu 15@09@2017 dks foi{kh ds dk;kZy; esa mifLFkr gksdj Vªd pksjh gksus ckcr fyf[kr :i ls lwpuk nh] ftl ij foi{kh }kjk losZ;j fu;qä dj çkjfEHkd dk;Zokgh dhA vuqla/kku vf/kdkjh ,Q-vkj- 261 esa ckn vuqla/kku Vªd dk dksbZ lqjkx u feyus ij ,Q-vkbZ-vkj- 56@18 U;k;ky; vij eq[; U;kf;d eftLVªsV la[;k 11 vkxjk esa is'k dh] ftls U;k;ky; }kjk fnukad 08@12@2018 dks Lohdkj fd;k x;kA ifjoknh }kjk tuojh] 19 esa ,QvkbZvkj vkfn vkns'k ,Q-vkj- Loh--r dh lR; çekf.kr çfrfyfi çkIr djus ds ckn o foi{kh }kjk 2017&18 dk dj çek.k&i=] ijfeV lR;kiu] fQVusl vkfn dh ewy lR;kfir çfr;ka çkIr dj foi{kh }kjk pkgh xbZ leLr vkSipkfjdrk,a iw.kZ dj foi{kh ls chek {kfriwfrZ jkf'k ckn vko';d iwfrZ;ka djk;s tkus ds ckn fnyk;s tkus dk vkxzg fd;kA ifjoknh tuojh lu 2019 ls yxkrkj foi{kh ls lEidZ dj {kfriwfrZ Dyse ikl djkus ds ç;kl djrk jgk ysfdu foi{kh dk;Zokgh iSafMx gksus ds ckr crkdj 'kh?kz dk;Zokgh dk vk'oklu nsrs jgs gSaA ifjoknh us bl vk/kkj ij foi{kh ds fo:) lsok esa deh dk vkjksi yxkrs gq;s ifjokn esa of.kZrkuqlkj vuqrks"k fnykus dh izkFkZuk dh gSA 3- foi{kh us vius çR;qÙkj esa dFku fd;k gS fd Vªd ij pkyd ds lkFk gSYij Hkh gksrk gS] ftldk dksbZ fooj.k ifjokn esa ugha fd;k x;k gSA Vªd dks vutku txg ij fcuk fdlh lqj{kk ds ykijokghiwoZd NksM+uk chek i‚fylh dk jkT; miHkksDRkk vk;ksx] lfdZV csp a ] Hkjriqj United India Ins. cuke jkevorkj vihy la[;k& 112@2024 3 mYya?ku gS vkSj ,sls --R; ds fy, chek dEiuh dks mÙkjnk;h ugha Bgjk;k tk ldrk gSA ifjoknh }kjk nLrkost miyC/k ugha djk;s x;s gSaA bl lac/a k esa chek dEiuh ds i= fnukad 03@02@2020 ,oa fnukad 18@03@2020 dks iath--r i= Hksts x;s] ftuds }kjk okgu dh pkch] 29 o 30 ua- QkWeZ] [kjhn fcy] QkStnkjh çi= tks dksVZ ls Lohdkj gq;s gSa] 100 uEcj dh lwpuk] vkjVh, dh lwpuk rFkk ,ulhvkj dh fjiksVZ ekaxh xbZ] ijUrq ifjoknh }kjk vHkh rd miyC/k ugha djk;h xbZ gSA ifj.kkeLo:i nLrkostkr ds vHkko esa i=koyh can dh tk pqdh gS vkSj lwpuk ifjoknh dks nh tk pqdh gSA bl çdkj ls chek dEiuh dk dksbZ Hkh lsoknks"k ugha gSA vr% lsok esa deh ls bUdkj djrs gq;s ifjokn fujLr djus dk fuosnu fd;k x;kA 4- ifjoknh o foi{kh ds vfHkopuksa ds i"pkr mHk;i{k dh lk{; ysdj o mHk;i{k dks lqudj fo}ku ftyk miHkksDrk vk;ksx] /kkSyiqj us vkns"k fnukad 14@08@2024 dks fuEu vkns'k ikfjr fd;k x;k%& ^^ifj.kker% ifjoknh dk ifjokn foi{kh ds fo:) Lohdkj fd;k tkdj ifjoknh ds pksjh gq, okgu dh chek i‚fylh esa okgu oSY;w 17]00]000@& lrjg yk[k :å ifjokn çLrqfr dh fnukad ls 9 çfr'kr okf"kZd e; C;kt dh nj ls vnk djus ds vkns'k fn;s tkrs gSaA ifjoknh dks vkfFkZd o ekufld {kfriwfrZ 10]000@& nl gtkj :å ,oa ifjokn O;; 5]000@& ikap gtkj :å vyx ls fnyk;s tkus ds vkns'k fn;s tkrs gSaA vkns'k dh ikyuk nks ekg esa fd;s tkus dh lqfuf'prrk dh tkosA** 5- geus fo}ku vf/koDrkx.k mHk;i{k dks lqukA fo}ku ftyk miHkksDrk vk;ksx o vihy i=koyh dk /;kuiwoZd voyksdu fd;kA 6- vihykFkhZ ds fo}ku vf/koDrk Jh fot; dqekj xks;y us cgl dh gS fd FIR 64 fnu nsjh ls ntZ djkbZ xbZ gS] Vksy dh iphZ is'k ugha dh xbZ gSA chek daiuh dks lwpuk 14 fnu nsjh ls nh xbZ gSA chek daiuh }kjk ekaxs x, nLrkostkr miyC/k ugha djk, x,A Qkbusl a j pksyk e.Mye dks u rks i{kdkj cuk;k gS] u gh mlls vns; çek.k&i= çkIr fd;k gSA fo}ku ftyk miHkksäk vk;ksx }kjk mä rF;ksa ij fopkj ugha dj tks vkns'k ikfjr fd;k gS] og vikLr fd, tkus ;ksX; gS vkSj vikLr fd, tkus dh çkFkZuk dh gSA jkT; miHkksDRkk vk;ksx] lfdZV csp a ] Hkjriqj United India Ins. cuke jkevorkj vihy la[;k& 112@2024 4 7- bl cgl dk [kaMu djrs gq, izR;FkhZ@ifjoknh ds fo}ku vf/koäk Jh vfer [kqaVfs V;k us ;g cgl dh gS dh ?kVuk 14@09@2017 dh gSA lacfa /kr Fkkus ij mlh fnu fjiksVZ ns nh FkhA iqfyl v/kh{kd dks fjiksVZ 15@09@2017 dks Mkd ls Hkst nh xbZA chek Dyse 45 fnu esa r; ugha fd;k x;k] tks lsok nks"k gSA f=i{kh; lafonk esa chek daiuh gh vko';d i{kdkj gSA Qkbusalj dks i{kdkj cukuk vko';d ugha FkkA ifjoknh ds }kjk Dyse gsrq lHkh vkSipkfjdrk,a dh iwfrZ dh xbZA fo}ku ftyk miHkksäk vk;ksx }kjk ikfjr fu.kZ; fof/k lEer gS vkSj vihy [kkfjt dh tkosa vkSj [kkfjt fd, tkus dh izkFkZuk dhA 8- bl cgl dk tokc nsrs gq, vihykFkhZ ds fo}ku vf/koäk us fuEu U;kf;d -"Vkar is'k fd, gSa%& ¼1½ 2018 ¼1½ ICICI Lombard General Insurance Co. Ltd. Vs. Dr. Amit Kumar Thakur & Anr. ¼2½ III (2012) CPJ 4 (SC) - Suryapal Singh Vs. Siddha Vinayak Motors & Anr. ¼3½ 2024 (1) SCC 375 (SC) - Kanwarjit Singh Kang Vs. ½ ICICI Lombard General Insurance Co. Ltd. ¼4½ çFke vihy la[;k 22@2014 & Shriram General Insurance Co. Ltd. Vs. Anand Singh ¼5½ 2017 ¼2½ CPJ 83 (NC) - Universal Sompo General Insurance Company Limited Vs. Roop Lal Dangi vkSj vihy Lohdkj fd, tkus dh çkFkZuk dh gSA 9- mHk;i{kksa ds rdksaZ ij euu fd;k x;kA fo}ku ftyk miHkksäk vk;ksx rFkk vihy i=koyh dk voyksdu fd;k x;kA 10- i{kdkjksa ds e/; bl lac/a k esa dksbZ fookn ugha gS fd ifjoknh ds }kjk Vªd la[;k RJ 11 GA 9062 dk chek vihykFkhZ chek daiuh ls 27@12@2016 ls 26@12@2017 rd ds fy, djk;k x;kA ftldh vkbZ-Mh- oSY;w 17]00]000@& #i, FkhA ifjoknh ds vuqlkj fnukad 14@09@2017 dks tc ifjoknh vkSj mldk Mªkboj fQjkst Vªd dks ,Vk ls yk jgs Fks rks Vªd dks [kkyh dj Mªkboj fQjkst yxHkx jkr ds 11%15 cts Vªd lM+d fdukjs yxkdj Vªd dh dsfcu iw.kZ :i ls ykWd yxkdj 'kkSp ds ckn nLr vkfn dh nokbZ ysus gsrq x;k vkSj 15&20 feuV ckn ykSVk rks ik;k fd Vªd ogka ugha FkkA lacfa /kr Fkkus ij lwpuk nh xbZ] ftldh MR dkVh xbZA ,Q-vkbZ-vkj- ntZ ugha dhA /kkjk 156¼3½ Cr P.C. ds vkosnu i= ds ek/;e ls ,Q-vkbZ-vkj- uacj 261@17 ntZ djkbZ xbZA jkT; miHkksDRkk vk;ksx] lfdZV csp a ] Hkjriqj United India Ins. cuke jkevorkj vihy la[;k& 112@2024 5 11- vihykFkhZ dh çfrj{kk ;g gS fd ifjoknh ds }kjk Vªd dks vutku txg ij NksM+k x;k vkSj nLrkostkr miyC/k ugha djk, x,A pkch ,oa vkjVhvks dh lwpuk fjiksVZ miyC/k ugha djkbZ xbZA 12- lHkh vk;keksa ij fopkj fd;k x;kA ftyk ifjogu vf/kdkjh /kkSyiqj dk ;g çek.k i= gS fd RJ 11 GA 9062 ij o"kZ 2017&18 ds dj ljpktZ isuYVh dh dqy jkf'k 18]270@& #i, tek gSA o"kZ 2016 rd dk fQVusl çek.k&i= gSA vij eq[; U;kf;d eftLVªsV la[;k 11 vkxjk ds le{k FR is'k gqbZ] tks Lohdkj dh xbZA dkxtkr fnykus gsrq chek daiuh ds }kjk uksfVl fn;k x;kA chek daiuh dks u rks ifjoknh ds }kjk dkxtkr fn, xk;s vkSj u gh chek daiuh us Dyse ds laca/k esa dksbZ fu.kZ; ikfjr fd;kA 13- vihykFkhZ dh vksj ls çLrqr U;kf;d -"Vkar 2018 ¼1½ CPJ B(CN) ICICI Lombard General Insurance Co. Ltd. Vs. Dr. Amit Kumar Thakur & Anr. esa ;g fl)kar çfrikfnr fd;k x;k fd Qkbusalj ls vns; çek.k&i= is'k ugha fd;k x;k vkSj u gh mls i{kdkj cuk;k x;kA ,xzhesVa ds vuqlkj okgu ij ifjoknh mifufgfr (Bailee) dh fLFkfr j[krk gSA fo}ku ftyk vk;ksx dks i{kdkj cukus gsrq ifjokn okil fd;k x;kA U;kf;d n`"Vkar III (2012) CPJ 4 (SC) - Suryapal Singh Vs. Siddha Vinayak Motors & Anr. esa ;g fl)kar çfrikfnr fd;k x;k fd Hire Purchase Agreement ds vuqlkj fdLrksa dh vnk;xh ugha dh gS] rks Qkbusl a j }kjk okgu dks dCts esa fy;k tk ldrk gS vkSj og Qkbusalj dk fof/kd vf/kdkj gSA 2024 (1) SCC 375 (SC) - Kanwarjit Singh Kang Vs. ICICI Lombard General Insurance Co. Ltd. esa ;g fl)kar çfrikfnr fd;k x;k fd ;fn okgu esa pkch yxh gqbZ NksM+h xbZ gS rks ba';ksjsal Dyse dks [kkfjt fd;k tk ldrk gSA U;kf;d -"Vkar ds ekeys esa FIR 8 fnu nsjh ls ntZ djkbZ xbZ rFkk chek daiuh dks lwpuk 16 fnu ckn nh xbZA gLrxr ekeys esa iqfyl dks lwpuk rRdky ns nh gS] ijarq FIR ntZ ugha dh xbZ] mlds ckn 156¼3½ vkbZ-ih-lh- esa ntZ djkbZ xbZA vr% mä U;kf;d -"Vkar rF;ksa ,oa ifjfLFkfr;ksa dh fHkUurk ds dkj.k vihykFkhZ dh fdlh çdkj ls enn ugha djrk gSA çFke vihy la[;k 22@2014 & Shriram General Insurance Co. Ltd. Vs. Anand Singh ds ekeys esa pksjh fnukad 09@01@2012 dks gqbZA FIR fnukad jkT; miHkksDRkk vk;ksx] lfdZV csp a ] Hkjriqj United India Ins. cuke jkevorkj vihy la[;k& 112@2024 6 10@01@2012 dks ntZ djok;h x;h rFkk chek daiuh dks lwpuk 19@01@2012 dks nh xbZ] ftls ?kkrd ekukA 2017 ¼2½ CPJ 83 (NC) - Universal Sompo General Insurance Company Limited Vs. Roop Lal Dangi ds ekeys esa FIR nsjh ls ntZ djkbZ xbZ rFkk lwpuk nsjh ls nh xbZA eksckby ij Hkh lwpuk ugha nh xbZA 07 fnu dh nsjh dks ?kkrd ekuk gSA bl ekeys esa lwpuk lacaf/kr Fkkus dks ns nh xbZ] gkyk¡fd FIR ntZ ugha djkbZ xbZA gLrxr ekeys esa ifjoknh ds }kjk chek daiuh dks u rks lwpuk;sa miyC/k djkbZ xbZ vkSj u gh NOC miyC/k ugha djkbZ xbZ] RC ugha nh xbZ] okgu dh pkch ugha nh xbZ] Dyse iwjh rjg ls [kkfjt ugha fd;k x;kA ,slh fLFkfr esa tcfd okgu ij _.k cdk;k gS vFkok ugha] ;g Li"V ugha fd;k x;k gS vkSj tc rd _.k cdk;k gS] Qkbusl a j gh okgu dk ekfyd@Lokeh gS vkSj ;fn chek daiuh ds }kjk vknsf'kr jkf'k vnk dj nh tkrh gS rks okgu dh RC chek daiuh ds i{k esa jgh rks ml fLFkfr esa okgu ds fey tkus ij Hkh okgu chek daiuh }kjk çkIr ugha fd;k tk ldrk gS vkSj pkch ds vHkko esa rFkk VªkalQj ugha gksus ij okgu dks cspk tk ldrk gSA ml fLFkfr esa chek daiuh ds vf/kdkj çfrdwy :i ls çHkkfor gksus dh laHkkouk gSa fo}ku ftyk miHkksäk vk;ksx }kjk mä rF;ksa ij fopkj ugha fd;k x;kA vr% fo}ku ftyk miHkksäk vk;ksx }kjk ikfjr fu.kZ; fLFkj j[ksa tkus ;ksX; ugha gSA 14- vihykFkhZ ds }kjk chek Dyse [kkfjt fd;k tkuk Hkh fuf'pr :i ls ,d lsok nks"k gS] ijarq lsok nks"k ds ckotwn vihykFkhZ dks okgu dh pkch] okgu dh RC, Qkbusalj ls NOC rFkk okgu dks varfjr djus gsrq Motor Vehcile Act esa fu/kkZfjr QkeZ la[;k 29&30 Hkh fn;k tkuk vko';d gS] tks ifjoknh ds }kjk ugha fn, x, gSa vkSj u gh fo}ku ftyk miHkksäk vk;ksx us ,slk fd;s tkus gsrq ifjoknh dks vknsf'kr fd;k gSA ,slh fLFkfr esa vihykFkhZ chek daiuh ds fgrksa dks fo}ku ftyk miHkksäk vk;ksx }kjk lqjf{kr ugha fd;k x;k gSA Qkbusalj dk fdruk Dyse cdk;k gS] bl ckcr~ Qkbusalj dh vuqifLFkfr esa dksbZ Hkh vkns'k ikfjr ugha fd;k tk ldrk ;k Qkbusalj dh vuqifLFkfr esa ,slk vkns'k ikfjr fd;k tkuk mfpr ugha gS] gkyk¡fd l'krZ vkns'k ikfjr fd;k tk ldrk gS] ijarq chek daiuh }kjk Dyse [kkfjt djus dh fLFkfr dks ns[krs gq, fo}ku ftyk jkT; miHkksDRkk vk;ksx] lfdZV csp a ] Hkjriqj United India Ins. cuke jkevorkj vihy la[;k& 112@2024 7 miHkksäk vk;ksx dks ifjokn okil Hkstdj ifjokn dk fof/kuqlj iqu% fuLrkj.k djus gsrq izfr&izsf"kr djuk mfpr ik;k tkrk gSA &%% vkns'k %%& 15- vr% vihykFkhZ United India Insurance Company Limited dh vksj ls çLrqr vihy vkaf'kd :i ls Lohdkj dh tkdj fo}ku ftyk miHkksäk fookn çfrrks"k vk;ksx] /kkSyiqj }kjk ifjokn la[;k 129@2022 muokuh jke vorkj cuke 'kk[kk izcU/kd] ;wukbZVsM bf.M;k ba';ksjsal dEiuh fyfeVsM ikfjr fu.kZ; fnukad 14@08@2024 dks vikLr fd;k tkrk gS ,oa fo}ku ftyk miHkksäk fookn çfrrks"k vk;ksx] /kkSyiqj dks vknsf'kr fd;k tkrk gS fd pksyk eaMye Qkbusal daiuh dks fu;ekuqlkj i{kdkj cukrs gq, foi{kh la[;k 02 ds :i esa la;ksftr djrs gq, ifjokn iqu ntZ jftLVj fd;k tkosa ,oa ifjokn dk fof/k vuqlkj iqu% mHk;i{k dks lquokbZ dk mfpr volj nsdj fuLrkj.k fd;k tkosaA 16- mHk;i{kdkjksa dks vknsf'kr fd;k tkrk gS fd os fo}ku ftyk miHkksäk fookn çfrrks"k vk;ksx] /kkSyiqj ds le{k fnukad 29-04-2026- dks mifLFkr jgsaA 17- blds lkFk&lkFk izR;FkhZ@ifjoknh dks Hkh vkns'k gS fd vihykFkhZ@foi{kh la[;k 01 chek dEiuh dks NOC, okgu dh pkch] ukdkcanh dh fjiksVZ] vkj-Vh-vks- ls çkIr lwpuk Q‚eZ uacj 29&30] NCRT dh fjiksVZ is'k djsaA vihykFkhZ chek daiuh ifjoknh }kjk mDr nLrkostr is'k djus dh fLFkfr esa 15 fnol esa fuLrkj.k djsa vkSj leLr vko';d nLrkost fo}ku ftyk miHkksäk fookn çfrrks"k vk;ksx] /kkSyiqj ds le{k 'kh?kz is'k djuk lqfuf'pr djsaA pksyk eaMye Qkbusal daiuh dks fu;ekuqlkj ryc djus ds i'pkr gh ifjokn dk iqu% fuLrkj.k fd;k tkosA 18- vkns"k dh izekf.kr izfr ds lkFk ewy vfHkys[k fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] /kkSyiqj dks vfoyEc izsf'kr fd;k tkosaA ¼fnus'k dqekj½ ¼eqds'k½ lnL; lnL; ¼U;kf;d½ /Rathore/-