State Consumer Disputes Redressal Commission
United India Insurance Company Ltd vs Adrash Singh Rathor on 26 March, 2014
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le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k ekuuh; lqJh ghuk BDdj] lnL;k i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ih- ds- ikWy] vf/koDrkA mRrjoknh dh vksj ls Jh Mh- ds- FkokbZr] vf/koDrkA vkns'k fnukad% 26@03@2014 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd ba';ksjsal daiuh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds izko/kku ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nf{k.k cLrj nUrsokM+k ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad& 03@2012 esa ikfjr vkns'k fnukad&03-06-2013 ftlds }kjk mRrjkoknh@ifjoknh dk ifjokn vkaf'kd :i ls Lohdkj djrs gq, ;g vknsf'kr fd;k gS fd fojks/kh i{k] ifjoknh dks 30 fnu ds vanj // 2 // dqy&2]48]000@&¼nks yk[k vM+rkyhl gtkj :i;s½ {kfriwfrZ jkf'k nq?kZVuk fnukad&17-09-2010 ls jde vnk;xh fnukad rd 7-5 izfr'kr okf"kZd C;kt lfgr vnk djsA lkFk esa ;g Hkh vknsf'kr fd;k gS fd fojks/kh i{k] ifjoknh dks ekufld {kfriwfrZ ds en esa 10]000@&¼nl gtkj :i;s½] vf/koDrk 'kqYd ,oa okn O;; ds :i esa 5]000@&¼ikap gtkj :i;s½ Hkh 30 fnu ds Hkhrj Hkqxrku djs] ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh@ifjoknh dk ifjokn laf{kIr esa bl izdkj gS fd mRrjoknh@ifjoknh okgu dzeakd&CG18G/0563 dk iathd`r Lokeh gS vkSj mDr okgu vihykFkhZ@vukosnd ba';ksjsl a daiuh ds ikl fnukad&10- 03-2010 ls ysdj fnukad&09-03-2011 rd dh vof/k ds fy, chfer Fkk vkSj mldk chfer ewY; 4]00]000@&¼pkj yk[k :i;s½ FkkA fnukad&16-09- 2010 ,oa 17-09-2010 dks tks nq?kZVuk dkfjr gqbZ Fkh mlds laca/k esa Fkkuk fdjUnqy] ftyk&narsokM+k esa izFke lwpuk&i= ntZ djk;k x;k Fkk vkSj ftlls okgu dks {kfr dkfjr gqbZ Fkh rFkk mRrjoknh@ifjoknh us fnukad&21-09-2010 dks vihykFkhZ@vukosnd ba';ksjsal daiuh ds ikl Dyse izLrqr fd;k Fkk ijUrq yxHkx 01 o"kZ 03 ekg rd dksbZ dk;Zokgh ugha dh xbZ] bl ij mRrjoknh@ifjoknh us vihykFkhZ@vukosnd dks jftLVMZ iksLV ls uksfVl izsf"kr fd;k FkkA nq?kZVuk fnukad&16-09-2010 dks okgu nq?kZVukxzLr gks x;k Fkk vkSj blfy, okgu NRrhlx<+ Dyc ds lkeus lM+d ds fdukjs [kM+h FkhA fnukad&16-09-2010 ,oa 17-09-2010 dh njE;kuh jkr esa vKkr O;fDr;ksa us okgu esa vkx yxk fn;k vkSj ftlds dkj.k ls okgu iw.kZr% {kfrxzLr gks x;k Fkk vkSj ftldh lwpuk Hkh mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd ba';ksjsal daiuh dks nh xbZ Fkh ijUrq vihykFkhZ@vukosnd ba';ksjsal daiuh }kjk fdlh izdkj dh {kfriwfrZ dh jkf'k mRrjoknh@ifjoknh dks ugha fn;k x;k blfy, ifjokn // 3 // ykus dh vko';drk iM+h gSA vr% mRrjoknh@ifjoknh dks vihykFkhZ@ vukosnd ba';ksjl sa daiuh ls dqy {kfriwfrZ 4]00]000@&¼pkj yk[k :i;s½ fnykbZ tkos vkSj nq?kZVuk fnukad&16-09-2010 ls {kfriwfrZ jkf'k izkIr djus ds fnukad rd nkok jkf'k ij 12 izfr'kr okf"kZd C;kt fnykbZ tkos vkSj nq?kZVuk fnukad&16-09-2010 ls rhu ekg ckn ls ,Ecqysl a O;olk; ls gqbZ {kfr jkf'k&75]000@&¼ipgRrj gtkj :i;s½ fnykbZ tkosA 03- vihykFkhZ@vukosnd ba';ksjsl a daiuh us fyf[kr dFku izLrqr dj vfHkopu fd;k gS fd okgu dzekad&CG18G/0563 fnukad&16-09-2010 ,oa 17-09-2010 dks nq?kZVukxzLr ugha gqbZ FkhA okgu pkyd ccyw us okgu dks fnukad&16-09-2010 dks ykijokghiwoZd pyk;k Fkk vkSj jkf= 10-00 cts ds yxHkx nq?kZVuk dkfjr fd;k ftlls ikap yksxksa dks pksaVsa vkbZ vkSj ftuesa ls rhu yksxksa dh e`R;q gks xbZ gS vkSj ftlds dkj.k vKkr yksxksa us mDr okgu esa vkx yxk fn;s Fks tks fd nq?kZVuk fnukad&16-09-2010 ds ifj.kke Lo:i fnukad&17-09-2010 dks ?kfVr gqbZ Fkh rFkk mRrjoknh@ ifjoknh us okgu dks vlqjf{kr voLFkk esa NksM+ fn;k Fkk vkSj fnukad&17- 09-2010 dks ?kfVr ?kVuk mRrjoknh@ifjoknh dh ykijokgh ds dkj.k ?kfVr gqbZ gSA mRrjoknh@ifjoknh us fnukad&16-09-2010 ds ?kVuk dh lwpuk vihykFkhZ@vukosnd ba';ksjsal daiuh dks nwjHkk"k ij fnukad&17-09- 2010 dks lqcg 8-30 cts fn;k Fkk vkSj chek daiuh dk;kZy; dks fyf[kr esa lwpuk fn;k rc fnukad&17-09-2010 dks gh chek daiuh }kjk Jh lrh'k dkR;k;u dks losZ;j ,oa ykWl vlslj fu;qDr fd;k x;k ftUgksaus LFky fujh{k.k dj viuh fjiksVZ fnukad&24-09-2010 dks chek daiuh dks fn;k Fkk vkSj blds i'pkr~~ mRrjoknh@ifjoknh }kjk eksVj nkok izi= vko';d nLrkost] iath;u iqfLrdk] pkyd ykbZlasl] bLVhesV vkfn izLrqr fd;k Fkk vkSj bl ij ls Jh lh- ,e- 'kekZ dks losZ;j ,oa ykWl vlslj ds :i esa // 4 // fu;qDr fd;k x;k vkSj ftUgksua s okgu dk lw{; voyksdu dj 3]98]000@&¼rhu yk[k vaBkucs gtkj :i;s½ dh {kfr dk vkadyu dj fnukad&17-01-2011 dks fjiksVZ izLrqr fd;k Fkk vkSj ftlesa Jh 'kekZ us mDr okgu ds lkYost dh dher&1]50]000@&¼,d yk[k ipkl gtkj :i;s½ vkadyu fd;k gSA ,slh fLFkfr esa losZ;j }kjk vkadyu dh xbZ {kfriwfrZ dh jkf'k lkYost dh jkf'k ?kVkdj vFkok ;fn chek/kkjh lkYost chek dks okil djrk gS rks mDr vuqlkj gh {kfriwfrZ jkf'k vnk dh tkrh gS] ;fn okgu dk mi;ksx chek ikWfylh dh 'krksZa ds vuqlkj ik;k tkrk gS rHkh {kfriwfrZ nh tk ldrh gSA mRrjoknh@ifjoknh dks vf/kdre 2]48]000@&¼nks yk[k vM+rkyhl gtkj :i;s½ dk Hkqxrku djrhA mRrjoknh@ifjoknh us lkYost Lo;a j[kus vkSj laiw.kZ jkf'k esa ls 1]50]000@&¼,d yk[k ipkl gtkj :i;s½ ?kVkdj izkIr djus dk vkosnu fn;k gS ijUrq tc chek daiuh us vUos"kd ih;w"k frokjh ds }kjk MªkbZfOgax ykbZlal s dh tkap djok;k rks ;g ik;k x;k fd okgu pkyd ccyw ds ikl LMV-HGV okgu pykus dk ykbZlsal FkkA vihykFkhZ@vukosnd ba';ksjsal daiuh us {ks=h; ifjogu vf/kdkjh txnyiqj ls tkudkjh pkgk rc ;g tkudkjh izkIr gqbZ fd okgu ,Ecqysal (Tata 407/31 EURO) ds pkyd ds ikl gYdk ifjogu ;ku LTV dk yk;lsl a gksuk pkfg, vkSj mDr okgu dks LMV+HGV ykbZlsal /kkjd ugha pyk ldrk gSA mDr fjiksVZ vUos"kd Jh ,-ds- nhf{kr us vius i= fnukad&05-09-2011 ds ek/;e ls vihykFkhZ@vukosnd ba';ksjsal daiuh dks izsf"kr fd;k Fkk vkSj bl izd kj nq?kZVuk fnukad dks okgu pkyd ccyw ds ikl oS/k ,oa izHkkoh MªkbZfOgax ykbZlal s ugha FkkA QyLo:i mRrjoknh@ifjoknh fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gS vkSj blfy, vihykFkhZ@ vukosnd ba';ksjsal daiuh us mfpr :i ls nkok vLohdkj fd;k gSA mRrjoknh@ifjoknh dk ifjokn fujLr fd;s tkus ;ksX; gSA // 5 // 04- mHk;i{kksa dh vksj ls izLrqr nLrkostksa ds ifj'khyu i'pkr~~ ftyk Qksje us mRrjoknh@ifjoknh dk ifjokn vkaf'kd :i ls Lohdkj djrs gq, mij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gSA 05- vihykFkhZ@vukosnd ba';ksjsl a daiuh dh vksj ls milatkr gksus okys vf/koDrk Jh ih- ds- ikWy dk ;g rdZ gS fd mRrjoknh@ifjoknh us tks vuqrks"k pkgk gS og ?kVuk fnukad&16-09-2010 ls lacaf/kr gS vkSj fnukad&16-09-2010 dh nq?kZVuk ?kfVr gqbZ Fkh mlesa rhu O;fDr;ksa dh e`R;q gqbZ gS vkSj bl rF; dks mRrjoknh@ifjoknh }kjk fNik;k x;k gS rFkk fnukad&16-09-2010 dh ?kVuk ls lacfa /kr izFke lwpuk&i= izLrqr ugha fd;k x;k gS vkSj mRrjoknh@ifjoknh dks tks {kfriwfrZ fnyk;k x;k gS og fnukad& 17-09-2010 dh ?kVuk ds lac/a k esa gS tc fd mRrjoknh@ifjoknh us fnukad&17-09-2010 dh ?kVuk ds lac/a k esa dksbZ vuqrks"k dh ekax ugha fd;k gS vkSj bl izdkj mRrjoknh@ifjoknh dks okLro esa D;k {kfr gqbZ gS ;g mRrjoknh@ifjoknh lkfcr ugha dj ldk gSA Jh ih- ds- ikWy vf/koDrk dk ;g Hkh rdZ gS fd dfFkr okgu ,acqys al okgu Fkk vkSj okgu pkyd ccyw ds ikl ,acqysal okgu pykus dk dksbZ ykbZlasl ugha FkkA nq?kZVuk ds le; MªkbZOgj ccyw ds ikl LMV okgu pykus dk ykbZlsal Fkk rFkk tu lwpuk vf/kdkjh] {ks=h; ifjogu vf/kdkjh ls izkIr lwpuk ds vuqlkj ;g Li"V gS fd ,acqysl a dks og O;fDr ugha pyk ldrk ftlds ikl LMV-HGV ykbZlasl gS tcfd ,acqysl ds fy, gYdk ifjogu ;ku LTV dk ykbZlsal gksuk pkfg, rFkk LMV+HGV ykbZlsal/kkjh pkyd mDr okgu dks pykus ds fy, l{ke ugha gS vkSj bl izdkj mRrjoknh@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gSA Jh ikWy vf/koDrk dk ;g Hkh rdZ gS fd eksVj OghdYl ,DV] 1988] esa tks la'kks/ku gqvk gS mlds i'pkr~~ SO-451(E) fnukad&19-06-1992 ds }kjk eksVj // 6 // OghdYl ,DV] 1988] esa la'kks/ku dj vf/klwpuk tkjh fd;k x;k gS vkSj ftlds vuqlkj VªkaliksVZ Oghdy esa ,acqysl a 'kkfey gS vkSj blfy, ,acqysl a ds fy, i`Fkd ls MªkbZfOgax ykbZlasl dh vko';drk gS ;k mldk i`"Bkadu gksuk vko';d gS tc fd mRrjoknh@ifjoknh ds okgu pkyd ds ikl bl izdkj dk dksbZ MªkbZfOgax ykbZlasl nq?kZVuk fnukad dks ugha FkkA QyLo:i mRrjoknh@ifjoknh fdlh izdkj ls {kfriwfrZ ikus dk vf/kdkjh ugha gSA 06- vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls Reginal Manager, Oriental Insurance Co. Ltd. & Another Vs. Pramod Kumar Nahak 2013 (I) C.G.L.J. 1 (Chhattisgarh), Amit Kumar & Anr. Vs. New India Assurance Co. Ltd. & Anr. I (2012) CPJ 256 (NC), NRrhlx<+ jkT; vk;ksx ds vihy dzekad&651/2010 Bajaj Allianz General Insurance Co. Ltd. & Other Vs. Shivalaya Ispat & Power Pvt. Ltd. Order Dated 26.04.2011, Keshav Natu Mahatre Vs. New India Assurance Co. Ltd. & Others IV (2011) CPJ 135 (NC) rFkk Revision Pitition No. 2292/2006 Order Dated 13.11.2006 Manoj Agrawal Vs. Bajaj Allianz Genral Insurance Co.dk voyacu fy;k gSA 07- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys vf/koDrk Jh Mh- ds- FkokbZr dk ;g rdZ gS fd mRrjoknh@ifjoknh us ?kVuk fnukad&16-09-2010 dh fjiksVZ Fkkus esa fd;k Fkk vkSj okgu nq?kZVukxzLr gks xbZ Fkh vkSj VªsfQd izHkkfor gks jgk Fkk blfy, iz'kklu ds vkns'k ls okgu dks gVok;k x;k Fkk vkSj vKkr yksxksa us ml ij vkx yxk fn;k // 7 // ftldh fjiksVZ Fkkuk fdjUnqy esa fnukad&17-09-2010 dks gh fd;k x;k Fkk vkSj mDr izFke lwpuk&i= esa iwoZ nq?kZVuk dk mYys[k fd;k x;k gS rFkk vihykFkhZ@vukosnd ba';ksjsl a daiuh us vius fyf[kr dFku esa fnukad&16- 09-2010 ds nq?kZVuk dh lwpuk feyus ds rF; dks Lohdkj fd;k gS vkSj blls Li"V gS fd okgu nq?kZVukxzLr gqvk Fkk vkSj pwfa d okgu pykus dh fLFkfr esa ugha Fkk blfy, okgu dks NksMk+ x;k Fkk] ;fn okgu pykus yk;d fLFkfr esa gksrk rks iqfyl Fkkus esa fjiksVZ djus ds ckn iqfyl }kjk tIrh dk;Zokgh dh xbZ gksrh vkSj blls Li"V gS fd okgu Fkkus rd ykus dh fLFkfr esa ugha Fkk vkSj vkokxeu ckf/kr gks jgk Fkk blfy, iz'kklu ds }kjk NRrhlx<+ Dyc ds fdukjs [kM+h dj nh xbZ Fkh vkSj tc jkf= esa vKkr O;fDr;ksa us vkx yxk dj {kfr dkfjr fd;k gS ftldh Hkh lwpuk vihykFkhZ@vukosnd ba';ksjsl a daiuh dks nh xbZ FkhA Jh FkokbZr vf/koDrk dk ;g Hkh rdZ gS fd Hkys gh ifjokn&i= esa fnukad&17-09-2010 dk Li"V mYys[k ugha gS ijUrq ifjokn&i= esa Li"V mYys[k gS fd fnukad&17-09- 2010 vkSj fnukad&16-09-2010 dh fjiksVZ Fkkuk fdjUnqy esa dh xbZ Fkh vkSj blds laca/k esa fnukad&21-09-2010 dks ba';ksjsl a daiuh ds ikl nkok izLrqr fd;k x;k Fkk vkSj ba';ksjsal daiuh us blh vk/kkj ij losZ;j fu;qDr fd;k FkkA ,slh fLFkfr esa vihykFkhZ@vukosnd ba';ksjsal daiuh dk ;g dFku fd ?kVuk fnukad&17-09-2010 ds laca/k esa dksbZ vuqrks"k ugha pkgk gS] Lohdkj ;ksX; ugha gSA 08- Jh FkokbZr vf/koDrk dk ;g Hkh rdZ gS fd okgu pkyd ds ikl LMV ,oa HGV okgu pykus dk MªkbZfOgax ykbZlasl Fkk vkSj tks O;fDr Hkkjh eky okgu (HGV) pykus ds fy, ykbZlsal /kkj.k djrk gS og gYdk eksVj ;ku (LTV) pykus ds fy, vf/kd`r gS vkSj dsoy bl dkj.k ls fd // 8 // okgu ,acqysl ds :i esa py jgk Fkk] ;g ugha dgk tk ldrk fd pkyd ccyw ds ikl oS/k ,oa izHkkoh MªkbZfOgax ykbZlsal ugha FkkA 09- Jh FkokbZr vf/koDrk dk ;g Hkh rdZ gS fd eksVj Oghdy ,DV] 1988] esa o"kZ 1994 esa la'kks/ku fd;k x;k gS vkSj ftlesa VªkaliksVZ OghdYl esa jksM jksyj vkSj fofufnZ"V izdkj ds eksVj ;ku dks izfrLFkkfir fd; x;k gS vkSj ,slh fLFkfr esa tks Hkkjh eky okgu pykus ds fy, ykbZlsl a j[krk gS og fofufnZ"V izdkj ds okgu dks Hkh pyk ldrk gS vkSj ,slh fLFkfr esa okgu pkyd ccyw ds ikl ,acqysal pykus ds fy, oS/k ,oa izHkkoh ykbZlal s Fkk rFkk ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gS vkSj mlesa fdlh izdkj ls gLr{ksi dh vko';drk ugha gSA vr% vihykFkhZ@ vukosnd ba';ksjsal daiuh dh vihy fujLr fd;k tkosA 10- mRrjoknh@ifjoknh dh vksj ls Revision Petition No. 2501/2011 Shivalaya Ispat & Power Pvt. Ltd. Vs. Bajaj Allianz General Insurance Co. Ltd. & Others Order Dated 21.08.2013, ,l- b;~~;iu fo:} ;wukbVsM bf.M;k ba';ksjsUl da- fy- ,oa ,d vU; 2013 ¼3½ ,lhlhMh 1337 ¼mPpre U;k;ky;½ ,oa Bajaj Alliance General Insurance Co. Ltd. Vs. Ashok Kumar Dhruv 2013 (3) C.G.L.J. 332 ds U;k; n`"Vkar dk voyacu fy;k gSA 11- bl izdj.k esa geus mHk;i{k ds fo}ku vf/koDrkvksa dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k dk ifj'khyu fd;kA // 9 // 12- bl izdj.k esa vihykFkhZ@vukosnd ba';ksjsal daiuh us vihy dzekad&651/2010 Bajaj Allianz General Insurance Co. Ltd. & Other Vs. Shivalaya Ispat & Power Pvt. Ltd. Order Dated 26.04.2011 dk voyacu fy;k gS ijUrq ekuuh; jk"Vªh; vk;ksx }kjk Revision Petition No. 2501/2011 Shivalaya Ispat & Power Pvt. Ltd. Vs. Bajaj Allianz General Insurance Co. Ltd. & Others Order Dated 21.08.2013 ds }kjk bl vk;ksx }kjk ikfjr vkns'k dks fujLr dj fn;k gS vkSj ftyk Qksje }kjk ikfjr vkns'k dh iqf"V fd;k gSA QyLo:i vihykFkhZ@vukosnd ba';ksjsl a daiuh us tks Bajaj Allianz General Insurance Co. Ltd. & Other Vs. Shivalaya Ispat & Power Pvt. Ltd. Order Dated 26.04.2011 okys U;k; n``"Vkar dk voyacu fy;k gS og ekuuh; jk"Vªh; vk;ksx }kjk fujLr dj fn;k x;k gSA 13- ifjokn&i= ds ifj'khyu ls ;g izdV gksrk gS fd mRrjoknh@ ifjoknh us vius ifjokn&i= esa ?kVuk ds lac/a k esa nks frfFk dk mYys[k fd;k gS ftlesa ,d frfFk&16-09-2010 ,oa nwljh frfFk&17-09-2011 vafdr dj fn;k gS ijUrq tks izFke lwpuk&i= dzekad&66@2010 fnukad&17-09- 2010 izLrqr fd;k x;k gS mlesa okgu esa vkx yxus dh ?kVuk fnukad&17-09-2010 crk;k x;k gS rFkk vihykFkhZ@vukosnd ba';ksjsal daiuh us Hkh vius fyf[kr dFku esa fnukad&17-09-2010 ds ?kVuk dh lwpuk izkIr gksus ds lac/a k esa Lohdkj fd;k gS vkSj blls ,slk izrhr gksrk gS fd Vad.k =qfVo'k fnukad&17-09-2010 dh txg fnukad&17-09-2011 Vafdr gks x;k gSA // 10 // 14- vihykFkhZ@vukosnd ba';ksjsl a daiuh us vius fyf[kr dFku esa Lohdkj fd;k gS fd mlus iwoZ esa Jh lrh'k dkR;k;u dks ,oa rRi'pkr~~ Jh lh- ,e- 'kekZ dks losZ;j ,oa ykWl vlslj ds :i esa fu;qDr fd;k Fkk rFkk losZ;j ,oa ykWl vlslj Jh lh- ,e- 'kekZ us vius losZ;j fjiksVZ nLrkost dzekad&7 lh izLrqr fd;k gS ftlesa {kfr dk ewY;kadu 3]98]000@&¼rhu yk[k vaBkucs gtkj :i;s½ fd;k gS vkSj lkYost dk ewY;kadu 1]50]000@&¼,d yk[k ipkl gtkj :i;s½ fd;k gS vkSj lkYost ykWl csfll ds vk/kkj ij 2]48]000@&¼nks yk[k vM+rkyhl gtkj :i;s½ {kfr dk vkadyu fd;k gSA 15- In the case of The New India Assurance Co. Ltd. Through its Assistant Manager, Vidhi Prakosth v Vinay Kumar Pandey, 2014 (1) CPR 5 (NC), Hon'ble National Commission observed thus :-
"5. We have examined the entire material on record and given a thoughtful consideration to the arguments advanced before us. The report submitted by the surveyor, Vijay & Co. Does mention that the original estimate for repair, including the cost of spare parts and labour had been estimated to be Rs.2,69,211/-. However, after thorough inspection of the vehicle, the surveyor had assessed the approximate net loss to be Rs.1,15,305/-, including the amount of Rs.31,500/- as total labour charges. A detailed description of damaged items / parts has been given in this report and it has also been stated that they had made comparison with the report of spot survey as well as the estimate of repairs given by M/s Subhash Motors. However, a perusal of the orders passed by the State Commission and // 11 // the District Forum indicates that they have not advanced any cogent reasons for differing with the report given by the surveyor. The impugned order of the State Commission makes a mention of the case decided by the National Commission, i.e., New India Assurance Co. Ltd. versus Deen Dayal Revision Petition No.68/2005, decided on 16.12.2008 as in which it was held that the report of the surveyor is an important document and cannot be brushed aside lightly without any material to the contrary on record. The National Commission set aside the order passed by the State Commission, saying that it was without rationale or basis.
6. It is interesting to observe, however, that even after quoting this judgment, the learned State Commission has not given any reasons for making a departure from the report of the surveyor. They have also not stated whether this was a case of total loss or not and whether the insured deserved to be compensated as per the IDV of the vehicle, stated in the Insurance Policy."
16- tgka rd losZ;j fjiksVZ dk laca/k gS] og ,d egRoiw.kZ nLrkost gS vkSj tc rd fd losZ;j fjiksVZ dks lqn`<+ lk{; ls [kf.Mr uk fd;k tkos losZ;j fjiksVZ dks R;Dr ugha fd;k tk ldrk tc rd fd vU;Fkk mls [kf.Mr uk dj fn;k tkos vkSj losZ;j us 3]98]000@&¼rhu yk[k vaBkucs gtkj :i;s½ dqy {kfr dk vkadyu djrs gq, lkYost dk ewY; 1]50]000@&¼,d yk[k ipkl gtkj :i;s½ dks ?kVkus ds i'pkr~~ 2]48]000@&¼nks yk[k vM+rkyhl gtkj :i;s½ {kfr dk vkadyu fd;k gS // 12 // vkSj ogh ftyk Qksje }kjk mRrjoknh@ifjoknh dks {kfriwfrZ ds :i esa fnyk;k x;k gSA 17- vihykFkhZ@vukosnd ds fo}ku vf/koDrk dk eq[; rdZ ;g gS fd ftl le; okgu dks mRrjoknh@ifjoknh ds pkyd ccyw }kjk pyk;k tk jgk Fkk ml le; mlds ikl oS/k ,oa izHkkoh MªkbZfOgax ykbZlasl ugha FkkA vihy dzekad&651/2010 Bajaj Allianz General Insurance Co. Ltd. & Other Vs. Shivalaya Ispat & Power Pvt. Ltd. Order Dated 26.04.2011 dh dafMdk&11 esa ;g foospuk fd;k x;k gS fd okgu ds pkyd ds ikl LMV ,oa HGV dk MªkbZfOgax ykbZlasl Fkk rFkk dzsu vFkZ ewOgj okgu gksrk gS vkSj ftlds fy, i`Fkd ls MªkbZfOgax ykbZlsal dh vko';drk gksrh gS vkSj tks fd fofufnZ"V izdkj dh eksVj ;ku gS vkSj mlds fy, i`Fkd ls MªkbZfOgax ykbZlsl a dh vko';drk gksxh vkSj dafMdk& 12 esa ;g fu/kkZfjr fd;k x;k gS fd &
12. As the driver, who was driving the vehicle at the time of accident, was not having an effective and valid driving license, there was clear violation of the terms of policy and as such, repudiation of claim by the insurer cannot be said to be a deficiency in service. So, order of the District Forum, allowing the complaint cannot be sustained and is hereby set aside. This appeal is allowed. The complaint is dismissed. No orders as to cost.
ftlds fo:} Shivalaya Ispat & Power Pvt. Ltd. }kjk ekuuh; jk"Vªh; vk;ksx ds le{k vihy lafLFkr dh xbZ Fkh vkSj vihy Lohdkj djrs gq, bl vk;ksx ds vkns'k dks fujLr dj fn;k Fkk vkSj ftyk Qksje }kjk ikfjr vkns'k dh iqf"V dh xbZ FkhA ,slh fLFkfr esa vihy dz-
// 13 // 651/2010 Bajaj Allianz General Insurance Co. Ltd. & Other Vs. Shivalaya Ispat & Power Pvt. Ltd. okys izdj.k esa ikfjr vkns'k dk dksbZ ykHk vihykFkhZ@vukosnd ba';ksjsal daiuh dks ugha feyrk gSA 18- mRrjoknh@ifjoknh dh vksj ls vihykFkhZ@vukosnd ba';ksjsl a daiuh }kjk izsf"kr i= dzekad&19005@685@2011 fnukad&31-01-2012 izLrqr fd;k x;k gS ftlesa ;g mYysf[kr gS fd **vkids }kjk fof'k"V iz;kstukFkZ iathd`r ,Ecqysal dk chek djok;k x;k gS] ftldh cSBd {kerk 1+1+2 vkSj ldy ;ku Hkkj 5250 fdyksxzke gS rFkk eksVj ;ku vf/kfu;e ds vuqlkj ,slk okgu ifjogu ;ku dh Js.kh esa ifjHkkf"kr fd;k x;k gS] vr,o cSBd {kerk vkSj Hkkj {kerk ds vuqlkj mDr okgu] **ykbZV VªkaliksVZ osfgdy&eksVj dSc** gS] ijUrq vkids pkyd dk yk;lsal LMV ds fy;s fof/kekU; gSA bu ckrksa ls Li"V gS fd nq?kZVuk ds le; chfer okgu dks pyk;s tkus ds fy;s vkids pkyd dk yk;lsl a fof/kiw.kZ ugha Fkk] ftlls chek lafonk Hkax djuk vuqKkr gSA** vihykFkhZ@vukosnd ba';ksjsal daiuh us eksVj MªkbZfOgax ykbZlsal dk fooj.k izLrqr fd;k gS ftlesa pkyd ccyw ds MªkbZfOgax ykbZlsal dk fooj.k fn;k x;k gS ftlds vuqlkj igys LMV ds fy, ykbZlsal tkjh gqvk Fkk vkSj ckn esa HGV dk i``"Bkadu fd;k x;k gS tks fd fnukad&25-08-2008 ls izHkkoh gqvk gS vkSj fnukad&26-10-2009 dks uohuhd`r fd;k x;k Fkk tks fd fnukad&25- 10-2012 rd ds fy, oS/k FkkA bl izdkj ;g Li"V gS fd pkyd ccyw ds ikl LMV+HGV okgu pykus dk ykbZlsl a FkkA // 14 // 19- Bajaj Alliance General Insurance Co. Ltd. Vs. Ashok Kumar Dhruv & Others 2013 (3) C.G.L.J. 332 esa ekuuh; NRrhlx<+ mPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd&
6. Admittedly, the offending vehicle was a light motor vehicle; was used at the fime of accident, as passenger carrying vehicle. To drive the said vehicle, a licence to drive transport vehicle is required under the provision of Motor Vehicles Act. As per evidence adduced in this case, the driver was possessing licence to drive Light Motor Vehicle as well as Heavy Goods Vehicle. Therefore, it cannot be said that he was disentitled to drive a transport vehicle. The Supreme Court, in the case of Oriental Insurance Co. Vs. Zaharulnisha & Ors., in a case where the offending vehicle was a Scooter and the Scooter driver was not holding any licence to drive the Scooter and was holding licence to drive Heavy Motor Vehicle, has held that the driver was not possessing valid and effective driving licence. However, the facts of the present case are different. In the instant case, the driver of the offending vehicle was possessing to drive light motor vehicle as well as licence to drive heavy goods vehicle, and therefore.
20- Hon'ble Supreme Court in the case of S. Iyyapan vs. M/s United India Insurance Company Ltd. and another (Civil Appeal No.4834 of 2013) decided on 01.07.2013, has observed thus :-
"16. In the case of National Insurance Company Ltd. vs. Annappa Irappa Nesaria alias Nesaragi and Others, 2008 (3) SCC 464, the vehicle involved in the accident was a matador having a goods carriage permit and was insured with the insurance company. An issue was raised that the driver of the vehicle did not possess an effective driving licence to drive a transport vehicle. The Tribunal held // 15 // that the driver was having a valid driving licence and allowed the claim. In appeal filed by the insurance company, the High Court dismissed the appeal holding that the claimants are third parties and even on the ground that there is violation of terms and conditions of the policy the insurance company cannot be permitted to contend that it has no liability. This Court after considering the relevant provisions of the Act and definition and meaning of light goods carriage, light more vehicles, heavy goods vehicles, finally came to conclusion that the driver, who was holding the licence duly granted to drive light motor vehicle, was entitled to drive the light passenger carriage vehicle, namely, the matador. This Court observed as under :
"20. From what has been noticed hereinbefore, it is evident that "transport vehicle" has now been substituted for "medium goods vehicle" and "heavy goods vehicle". The light motor vehicle continued, at the relevant point of time to cover both "light passenger carriage vehicle" and "light passenger carriage vehicle" and "light goods carriage vehicle". A driver who had a valid licence to drive a light motor vehicle, therefore, was authorized to drive a light goods vehicle as well."
18. Reading the provisions of Section 146 and 147 of the Motor Vehicles Act, it is evidently clear that in certain circumstances the insurer's right is safeguarded but in any event the insurer has to pay compensation when a valid certificate of insurance is issued notwithstanding the fact that the insurer may proceed against the insured for recovery of the amount. Under Section 149 of the Motor Vehicles Act, the insurer can defend the action inter alia on the grounds, namely, (i) the vehicle was not driven by a named person, (ii) it was being driven by a person, who was not having a duly granted licence, and (iii) person driving the vehicle was disqualified to hold and obtain a driving licence. Hence, in our considered opinion, the insurer cannot disown its liability on the ground that although the driver was holding a licence to drive a light motor vehicle but before driving light // 16 // motor vehicle used as commercial vehicle, no endorsement to drive commercial vehicle was obtained in the driving licence. In any case, it is the statutory right of a third party to recover the amount of compensation as awarded from the insurer. It is for the insurer to proceed against the insured for recovery of the amount in the event there has been violation of any condition of the insurance policy.
19. In the instant case, admittedly the driver was holding a valid driving licence to drive light motor vehicle. There is no dispute that the motor vehicle in question, by which accident took place, was Mahindra Maxi Cab. Merely because the driver did not get any endorsement in the driving licence to drive Mahindra Maxi Cab, which is a light motor vehicle, the High Court has committed grave error of law in holding that the insurer is not liable to pay compensation because the driver was not holding the licence to drive the commercial vehicle. The impugned judgment is, therefore, liable to be set aside."
21- mijksDr U;k; n`"Vkarksa ds ifjizs{; esa nLrkostksa dk ifj'khyu fd;k x;k vkSj ;g Li"V gS fd pkyd ccyw }kjk iwoZ esa LMV ds fy, MªkbZfOgax ykbZlasl izkIr fd;k x;k Fkk vkSj ckn esa mlesa HGV ¼Hkkjh eky okgu½ dk i`"Bkadu gqvk gSA ,slh fLFkfr esa dsoy bl vk/kkj ij fd okgu ,acqysal ds fy, i`Fkd ls i`"Bkadu ugha Fkk vkSj ,acqysl a gYdk ifjogu ;ku dh Js.kh esa vkrk gS] ;g ugha dgk tk ldrk fd nq?kZVuk ds le; pkyd ccyw ds ikl oS/k MªkbZfOgax ykbZlsal ugha FkkA ftl le; nq?kZVuk ?kfVr gqbZ Fkh ml le; pkyd gYdk eksVj ;ku ,oa Hkkjh eky okgu pykus dk vuqKfIr&i= /kkj.k djrk gS rks ,slh fLFkfr esa og gYdk eksVj ;ku ¼ifjogu ;ku½ dks pykus ds fy, Hkh vf/kd`r gS vkSj bu ifjfLFkfr;ksa esa vihykFkhZ@vukosnd dk ;g rdZ fd nq?kZVuk ds le; pkyd ds ikl oS/k ,oa izHkkoh MªkbZfOgax ykbZlsl a ugha Fkk] Lohdkj ;ksX; ugha gSA // 17 // 22- mijksDr laiw.kZ foospuk ds ifjizs{; esa ftyk Qksje }kjk ;g mfpr :i ls fu/kkZfjr fd;k x;k gS fd mRrjoknh@ifjoknh] vihykFkhZ@ vukosnd ba';ksjsal daiuh ls 2]48]000@&¼nks yk[k vM+rkyhl gtkj :i;s½ {kfriwfrZ ikus dk vf/kdkjh gS vkSj nq?kZVuk fnukad dks pkyd oS/k ,oa izHkkoh MªkbZfOgax ykbZlasl /kkj.k djrk Fkk vkSj bl izdkj ftyk Qksje }kjk ikfjr vkyksP; vkns'k esa fdlh izdkj dh voS/kkfudrk ugha gS vkSj uk gh gLr{ksi dh vko';drk gSA 23- vr% vihykFkh@vukosnd ba';ksjsal daiuh dh vihy lkjghu gksus ls fujLr fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&03-06-2013 dh iqf"V dh tkrh gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼ lqJh ghuk BDdj ½ v/;{k lnL;k @03@2014 @03@2014