State Consumer Disputes Redressal Commission
Smt. Sadhana Agrawal vs Senior Divisional Manager , Division ... on 3 June, 2019
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i{kdkjksa ds vf/koDrk ifjokfnuh dh vksj ls Jh eukst nqcs] vf/koDrkA vukosnd dh vksj ls Jh ih- ds- ikWy] vf/koDrkA vkns'k fnukad% 03@06@2019 }kjk%&ekuuh;k Jherh :fp xks;y] lnL;k Ikfjokfnuh us ;g ifjokn /kkjk&17 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr vukosnd ds fo:} fuEukuqlkj vuqrks"k fnyk;s tkus gsrq izLrqr fd;k gS%& v- ;g fd ifjokfnuh dks vukosnd ls laiw.kZ nkok'kqnk 20]00]000@&¼chl yk[k :Ik;s½ e; C;kt fnykbZ tkosA c- ;g fd ifjokfnuh dks vukosnd ls 1]00]000@&¼,d yk[k :Ik;s½ {kfriwfrZ jkf'k crkSj ekufld] 'kkjhfjd rFkk vkfFkZd osnuk ,oa larki ds fy, fnykbZ tkosA l- ifjokfnuh dks vukosnd ls okn O;; ,oa vU; vuqrks"k tks ekuuh; U;k;ky; mfpr le>s] fnykbZ tkosA** // 2 // 02- ifjokfnuh dk ifjokn laf{kIr esa bl izdkj gS fd ifjokfnuh ds ifr iznhi dqekj vxzoky fHkykbZ bLikr la;a= esa vfLVsaV tujy eSustj dksd tksu izkstsDV ds in ls fnukad&28-04-2010 dks fjVk;j gq, Fks ftudh O;fDrxr vkbZ- Mh-&52398 gSA ifjokfnuh ds ifr }kjk vukosnd ls fnukad&01-06-2010 dks vius foHkkxh; vkWfQllZ ,lksfl;s'ku ds ek/;e ls xzqi ba';ksjsal ikWfylh gsrq izLrko i= fn;k tkdj fu/kkZfjr izhfe;e vnk dj fnukad&01-06-2010 ls fnukad&31-05-2022 rd ds fy, vf/kdre chek ewY;&20]00]000@&¼chl yk[k :Ik;s½ dh ikWfylh dzekad&27030042100500000022 dz; fd;k x;k FkkA vukosnd chek daiuh }kjk ikWfylh tkjh djrs le; ifjokfnuh ds ifr dks ;g voxr djk;k x;k Fkk fd iz'uk/khu ikWfylh lHkh tksf[ke ,oa chekfj;ksa dks doj djrh gS rFkk ikWfylh ij nkok vkus ij chek daiuh }kjk nkok fujkdj.k Rofjr fd;k tkdj DykbZV vksfj;sUVsM joS;k viukrh gS ftl ij Hkh ifjokfnuh ds ifr }kjk ln~Hkkfod fo'okl fd;k x;k FkkA ifjokfnuh ds ifr dks chek daiuh }kjk izLrko fy;s tkus ds volj ij vFkok ikWfylh vaMj jkbZV fd;s tkus ds volj ij chek 'krksZa ls voxr ugha djk;k x;k Fkk vkSj ,DlhMsaVy xzqi ba';kjsasl gksus ds dkj.k ikWfylh ,oa ikWfylh 'krksZa dh izfr Hkh miyC/k ugha djkbZ xbZ FkhA fnukad&09-07-2016 dks ifjokfnuh ds ek;ds i{k esa fookg dk dk;Zdze jk;iqj esa vk;ksftr Fkk tgka ifjokfnuh ds ifr oSokfgd dk;Zdze esa 'kkfey gksus ds fy, viuh dkj okgu dzekad&lh-th- 07 tsM- Mh-@4117 ls x;s FksA ifjokfnuh ds ifr mDr okgu ls voafr fogkj jk;iqj ls dekZ vLirky ds Åij gksVy 'khry esa tgka fd os Bgjs gq, Fks] tkus ds fy, // 3 // jokuk gq, rHkh buksok dkj dzekad&lh- th- 04 Mh- ,u-@7500 ds pkyd }kjk rsth ,oa ykijokghiwoZd okgu pykrs gq, ifjokfnuh ds ifr dh dkj dks rsth ,oa ykijokghiwoZd pykdj xyr fn'kk ls vksojVsd djrs gq, vpkud cszsd ekj nsus ls ?kfVr ?kVuk esa ifjokfnuh ds ifr dks xaHkhj pksV dkfjr gqbZ vkSj okgu cqjh rjg ls {kfrxzLr gks x;k ftlesa 45]000@&¼iSarkyhl gtkj :Ik;s½ vuqekfur O;; ejEer esa gqvkA ifjokfnuh ds ifr dks rRdky 108 ,Ecqysal esa ys tk;k tkdj fnukad&09-07-2016 dks jked`".k ds;j vLirky esa HkrhZ djk;k x;k tgka bZykt ds nkSjku fnukad&12-08-2016 dks ifjokfnuh ds ifr dk nsgkolku gks x;k vkSj bZykt esa 8]44]904@&¼vkB yk[k paokyhl gtkj ukS lkS pkj :Ik;s½ O;; ogu djuk iM+kA ifjokfnuh }kjk e`R;q nkok izi= lqlaxr nLrkostksa lfgr vukosnd chek daiuh ds le{k izLrqr fd;k x;k ftldk nkok izdj.k dzekad&2703004216 lh 050322001 iathc} fd;k x;k vkSj nkok Rofjr fujkdj.k djus dk vk'oklu fn;k x;kA fnukad&10-04-2017 dks vukosnd chek daiuh }kjk esllZ vkWfQllZ ,lksfl,'ku fHkykbZ dks ;g voxr djkrs gq, fd e`rd iznhi dqekj vxzoky esEcjf'ki ua-& 507 ds ikl ?kVuk fnukad&09-07-2016 dks oS/k ,oa izHkkoh ykbZlsal ugha Fkk ftlds dkj.k ls ikWfylh dh 'krZ dzekad&5 ¼b½ ds rgr nkok czhp vkWQ ykW ds dkj.k Hkqxrku ;ksX; uk gksus ls uks Dyse fd;s tkus dh tkudkjh iznku dh xbZA ifjokfnuh ds ifr dkj pykuk ughas tkurs Fks vFkok ?kVuk ifjokfnuh ds ifr ds }kjk mis{kk ,oa ykijokghiwoZd okyu pykus ls gh ?kfVr gqbZ gS] ,slk dksbZ lk{; ugha gS ,oa ifjokfnuh ds ifr ds ikl fnukad&02-02-2015 rd oS/k ,oa izHkkoh // 4 // MªkbZfoax ykbZlsal jgk gS rc dh fLFkfr esa ,slk Hkh ugha dgk tk ldrk gS fd ifjokfnuh ds ifr ds ikl ykbZlsal izkIr djus dh ik=rk ugha FkhA vkijkf/kd izdj.k ls Hkh ;g Li"V gS fd ifjokfnuh ds ifr nq?kZVuk ds fy, buksok dkj pkyd ds fo:} vijk/k dzekad&193@16 ntZ fd;k x;k gS vkSj ifjokfnuh ds ifr ds fo:} dksbZ ekeyk mDr ?kVuk dks ysdj iathc} ugha fd;k x;k gSA ifjokfnuh ds ifr }kjk uk rks ikWfylh 'krksZa dk mYya?ku fd;k x;k gS vkSj uk gh vU; dksbZ czhp vkWQ ykW dfeV fd;k x;k gSA vukosnd chek daiuh }kjk vuqfpr vk/kkjksa ij euekus <ax ls ifjokfnuh dk nkok fujLr fd;k x;k gS ftlds dkj.k ifjokfnuh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokfnuh dks ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- vukosnd dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjokfnuh }kjk iznhi dqekj vxzoky dks fHkykbZ bLikr la;a= esa ,- th- ,e- dksd tksu izkstsDV ds in ij dk;Zjr~ gksdj vkbZ- Mh- ua-&52398 izkIr djus vkSj fnukad&28-04-2010 dks fjVk;j gksus rFkk foHkkxh; vkWfQllZ ,lksfl,'ku ds ek/;e ls fnukad&01-06-2010 dks xzqi ba';ksjsal ikWfylh dz; fd;s tkus laca/kh ckrsa ifjokfnuh ,oa fHkykbZ bLikr la;a= ds vkWfQllZ ,lksfl,'ku ds e/; mRiUu dFku gS vkSj mDr ckrksa dks fl} djus gsrq fHkykbZ bLikr la;a= dk vkWfQllZ ,lksfl,'ku vko';d i{kdkj gS ftls i{kdkj uk cuk;s tkus ds dkj.k i{kdkjksa ds vla;kstu ds dkj.k ifjokn fujLrh ;ksX; gS rFkk vkWfQllZ ,lksfl,'ku fHkykbZ LVhy IykaV] fHkykbZ ds // 5 // }kjk vukosnd ls VsyjesM xzqi ilZuy ,DlhMsaV ikWfylh laiw.kZ lafonkRed 'krksZa] viotZukvksa] fucZa/kuksa ,oa fu;eksa ds rgr izkIr fd;k x;k Fkk ftldk ikWfylh dz-&190502@ 42@10@05@000000022] E;kn fnukad&01-06-2010 ls 31-05-2015 rFkk fnukad&30-09-2010 dks blesa baMkslZesaV dj 05 o"kZ ds fy, tkjh fd, x, vof/k dks vkWVks fjuhoy dj vfxze 07 o"kksZa ds fy, izHkkoh fd;k x;k Fkk] vr% mDr chek/kkjd gksus ds dkj.k mDr vkWfQllZ ,lksfl,'ku fHkykbZ LVhy IykaV] fHkykbZ bl izdj.k esa egRoiw.kZ i{kdkj gS ftls i{kdkjksa ds indze esa la;ksftr fd;k tkuk vko';d gS] foQy jgus ij ifjokn viks"k.kh; o fujLrh ;ksX; gSA ifjokfnuh dh Lor% ;g LohdkjksfDr gS fd fnukad&09-06-2016 dks iznhi dqekj vxzoky dkj dzekad&lh-th- 07 tsM- Mh-@4117 pykdj fdlh vU; buksok dkj dzekad&lh-th- 04 Mh- ,u-@7500 ls Vdjkdj grkgr gqvk Fkk vkSj bZykt ds nkSjku fnukad&12-08-2016 dks mudh e`R;q gqbZ FkhA mDr dFkuksa ds leFkZu esa e`rd ds oS/k mRrjkf/kdkjhx.k ,oa vkfJrksa ds }kjk r`rh; i{k tksf[ke ls lacaf/kr ekeyk mDr buksok dkj ds pkyd] Lokeh o chekdrkZ ds fo:} izLrqr djuk vkSj e`rd ds dk;Z] vk;] fpfdRlk O;; o vU;kU; {kfr ds fy, vuqrks"k dh ekax fd;k tkuk vis{kh; gS ftls tku&cw>dj bl izdj.k esa ifjokfnuh ds }kjk fNik;k x;k gS] tcfd miHkksDrk laj{k.k vf/kfu;e ls laacaf/kr ekeys laf{kIr izd`fr ds gksrs gSa] Qyr% i{kdkjksa ls ldy ckrsa m}`r djus dh vis{kk lk/kkj.kr% j[kh tkrh gS] fdUrq ifjokfnuh ds }kjk rF;ksa dks Nqikdj ifjokn is'k fd;k x;k gS tks fujLrh ;ksX; gSA e`rd iznhi dqekj vxzoky ds }kjk fnukad&09-07-2016 dks dkj dzekad&lh-
// 6 // th- 07 tsM- Mh-@4117 dks pykrs gq, lkoZtfud ekxZ ij nq?kZVuk dkfjr fd;k tkuk ifjokn&i= ,oa nLrkostksa ls Li"V gksrk gS vkSj mDr nkok ds leFkZu esa iznhi dqekj vxzoky firk Lo- jkeewfrZ vxzoky dk Mªk;foax ykbZlsal izLrqr fd;k tkuk vko';d o vfuok;Z gS] fdUrq ifjokfnuh us tku&cw>dj ifjokn ds leFkZu esa mDr yk;lsal izLrqr uk dj rF;ksa dks fNikus dk iz;kl fd;k gS tks vokaNuh; gSA ifjokfnuh us nkok ds fy, chek/kjd iznhi dqekj vxzoky dk Mªk;foax ykbZlsal dz-&P/12543/DURG izLrqr fd;k Fkk tks fnukad&02-02-2015 rd izHkkoh FkkA bl izdkj ?kVuk fnukad&09-07-2016 ds iwoZ gh mDr okgu ds pkyd dk yk;lsal oS/k o izHkkoh ugha Fkk vkSj mDr Mªk;foax ykbZlsal fnukad&02-02-2015 dks lekIr gks pqdk Fkk vkSj mlds 30 fnuksa ds Hkhrj mls uohuhd`r djok;k tkuk ifjokfnuh dh vksj ls fl} ugha fd;k x;k gSA bl izdkj e`rd ds }kjk oS/k o izHkkoh Mªk;foax ykbZlsal /kkfjr fd, fcuk lkoZtfud ekxZ ij mYysf[kr dkj pyk;k tkuk KkfIr gks] tks fof/kd izko/kkuksa dk ?kksj mYya?ku gSA vkWfQllZ ,lksfl,'ku fHkykbZ LVhy IykaV] fHkykbZ us tks VsMjesM xzqi ilZuy ,DlhMsaV ikWfylh fof'k"V lafonk ds rgr vukosnd ls izkIr fd;k gS] mlds viotZu 5 ¼e½ ds vuq;kj ;fn dksbZ chfer lnL; dh e`R;q dk dkj.k fdlh fof/k ds mYya?ku ds dkj.k gqvk gks rks chek daiuh dksbZ Hkh {kfr nkok jkf'k Hkqxrku djus gsrq nkf;Rok/khu ugha gksxh] dk rF; bl izdj.k esa vkdf"kZr gks pqdk Fkk ftlds dkj.k vukosnd }kjk vius i= dzekad&270300@19@2017 fnukafdr&10-04-2017 ds ek/;e ls chek/kkjd vkWfQllZ ,lksfl,'ku fHkykbZ LVhy IykaV] fHkykbZ dks mDr rF;ksa dh lwpuk nsdj ;g voxr djk;k x;k // 7 // Fkk fd Claim is not payble as cause of death is arising or resulting from the insured committing any breach of the law. Ek`rd us Lor% fof/kd izko/kkuksa dk ?kksj mYya?ku djrs gq, nq?kZVuktU; ifjfLFkfr;ka fufeZr dj lkoZtfud ekxZ ij okgu pykrs gq, vfr tksf[keiw.kZ d`R; fd;k gS ftlls uk ek= dkj pkyd dk vfirq vU;kU; O;fDr o laink dks {kfr gksuk Hkh iz;qDr gks pqdk gS] vr% tku&cw>dj e`rd ds }kjk Lor% fof/kd nks"k djrs gq, nq?kZVuk vkeaf=r fd;k tkuk ifj.kker% mudh e`R;q gksuk Kkr gksus ds dkj.k vukosnd us chek lafonkuqlkj nkok Bhd gh fujLr fd;k gS ftlesa dksbZ =qfV ugha gSA okgu Lokeh pwafd Lor% mDr dkj dk pkyd gksdj lkoZtfud ekxZ ij okgu pykus dk midze fd;k Fkk] vr,o mlds }kjk fof/k ds vkKkid izko/kku ds vuqlkj Mªk;foax ykbZlsal /kkfjr fd;k tkuk vfuok;Z o vko';d Fkk ftldk vHkko bl izdj.k esa gS D;ksafd e`rd ds }kjk nq?kZVuk ds le; oS/k o izHkkoh yk;lsal /kkfjr fd, tkus laca/kh dksbZ Hkh rkfRod izek.k nkosnkj ifjokfnuh dh vksj ls izLrqr ugha fd;k x;k gS ftlls Li"V gS fd e`rd iznhi dqekj vxzoky ds }kjk fof/kd izko/kkuksa dk mYya?ku dj vkijkf/kd ea'kk j[kdj Lor% nks"k fd;k x;k gS] vr,o chek lafonk ds viotZu ds rgr mlds fy, izLrqr nkok Lohdkj ;ksX; ugha Fkk] vr% vukosnd us chek vgZrkvksa ds ifjizs{; esa gh ifjokfnuh dk nkok fujLr fd, tkus dh lwpuk fn;k gS tks vukosnd dh lsok esa fuEurk ugha gSA bl izdj.k easa iznhi dqekj vxzoky ds }kjk /kkjk&3 eksVj ;ku vf/kfu;e ds vuqikyu esa eksVj lkbZfdy pykus ds fy, Mªk;foax ykbZlsal /kkfjr ugha fd;k x;k vkSj iwoZ esa izkIr Mªk;foax ykbZlsal dks 66 o"khZ; o`} gksus ds ckn mldk uohuhdj.k // 8 // fu;ekuqlkj ugha djok;k x;k] vr,o mudk d`R; /kkjk&181 eksVj ;ku vf/kfu;e ds varxZr n.Muh; vijk/k gSA bl izdj.k esa Jh iznhi dqekj vxzoky }kjk tku&cw>dj vkijkf/kd ea'kk j[kdj Lor% nks"k fd;k x;k gS vkSj ;g nks"k fof/kd izko/kkuksa dk mYya?ku dj fd;k x;k gS] vr% chek lafonk ds viotZu [k.M ds vuqlkj mldk nkok Lohdkj ;ksX; ugha Fkk] bl dkj.k mls fujLr fd;k x;k gS tks vukosnd dh lsok esa fuEurk ugha gSA vr% ifjokfnuh dk ifjokn lO;; fujLr fd;k tkosA 04- ifjokfnuh dh vksj ls vius i{k leFkZu esa Lo;a dk 'kiFk&i= rFkk lwph vuqlkj nLrkost izLrqr fd;k x;k gSA 05- vukosnd dh vksj ls vius i{k leFkZu esa tujatu iqjksfgr ofj"B eaMy izca/kd dk 'kiFk&i= rFkk lwph vuqlkj nLrkost izLrqr fd;k x;k gSA 06- ifjokfnuh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh eukst nqcs us fyf[kr rdZ izLrqr djrs gq, ;g rdZ izLrqr fd;k gS fd iz'uk/khu ikWfylh xzqi ,DlhMsaVy ikWfylh gS uk fd eksVj chek ikWfylh] iz'uk/khu ikWfylh esa chfer O;fDr nq?kZVuk ds fo:} chfer jgk gS] vr% pkyd ds yk;lsal dh oS/krk izdj.k ds fujkdj.k ds fy;s lqlaxr rF; ugha gSA chekd`r O;fDr }kjk vkijkf/kd bjkns ls fdlh dkuwu dk mYya?ku djus ls ;k mDr ds ifj.kke Lo:Ik gh e`R;q gksuk izekf.kr djus esa chek daiuh iwjh rjg foQy jgh gSA chek daiuh chfer O;fDr dk vkijkf/kd bZjknk izekf.kr djus esa Hkh foQy jgh gS] vr% nkok Hkqxrku ;ksX; gSA nq?kZVuk ijO;fDr }kjk tku&cw>dj fd;s x;s d`R; vFkok vkijkf/kd d`R; }kjk dkfjr {kfr ikWfylh // 9 // ds iz;kstukFkZ nq?kZVuktU; le>h tk,xhA nq?kZVuk pkyd dh vksj ls fdlh =qfV ds fcuk ?kVh pkyd ds ikl fof/kekU; pkyu vuqKfIr gS vFkok ugha ;g iz'u O;FkZ gks tk,xkA chek daiuh dh ikWfylh 'krZ esa chfer O;fDr fcuk yk;lsal okgu pkyu djuk viotZu DykWt esa fof'k"V rkSj ij vfHkfyf[kr ugha gS] vr% chek daiuh ,suh czhp vkWQ ykW ds vk/kkj ij nkok fujLr ugha dj ldrhA chfer O;fDr ftl okgu esa lokj Fkk ml ij dksbZ vkijkf/kd izdj.k Hkh ntZ ugha gS] dksbZ mis{kk Hkh izekf.kr ugha gS] vr% ukWu LVS.MMZ csfll ij Hkh Hkqxrku fopkj.kh; gSA ifjokfnuh dh vksj ls vius rdZ ds leFkZu esa National Insurance Co. Ltd. Vs. Swaran Singh and others 2004 (2) BLJ 37 (SC), LIC of India Vs. Ratan Kaur II (2008) CPJ 61 (NC), United India Fire & Genl. Ins. Co. Ltd. Vs. Ayisa and other 1979 ACJ 526 (High Court of Madras), Lakhmi Chand Vs. Reliance General Insurance Co. Ltd.
2016 ACJ 551 (SC) dk voyacu fy;k gSA 07- vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds-
ikWy dk rdZ gS fd ifjokfnuh }kjk chek/kkjd vkWfQllZ ,lksfl,'ku fHkykbZ LVhy IykaV] fHkykbZ dks i{kdkj ugha cuk;k x;k gS tks fd bl izdj.k esa vko';d i{kdkj gSA ifjokfnuh dh Lor% ;g LohdkjksfDr gS fd fnukad&09- 06-2016 dks iznhi dqekj vxzoky dkj dzekad&lh-th- 07 tsM- Mh-@4117 pykdj fdlh vU; buksok dkj dzekad&lh-th- 04 Mh- ,u-@7500 ls Vdjkdj grkgr gqvk Fkk vkSj bZykt ds nkSjku fnukad&12-08-2016 dks mudh e`R;q gqbZ FkhA e`rd iznhi dqekj vxzoky ds }kjk fnukad&09-07-2016 dks dkj dzekad&lh-th- 07 tsM- Mh-@4117 dks pykrs gq, lkoZtfud ekxZ // 10 // ij nq?kZVuk dkfjr fd;k tkuk ifjokn&i= ,oa nLrkostksa ls Li"V gksrk gS vkSj mDr nkok ds leFkZu esa iznhi dqekj vxzoky firk Lo- jkeewfrZ vxzoky dk Mªk;foax ykbZlsal izLrqr fd;k tkuk vko';d o vfuok;Z gS] fdUrq ifjokfnuh us tku&cw>dj ifjokn ds leFkZu esa mDr yk;lsal izLrqr uk dj rF;ksa dks fNikus dk iz;kl fd;k gS tks vokaNuh; gSA ifjokfnuh us nkok ds fy, chek/kkjd iznhi dqekj vxzoky dk Mªk;foax ykbZlsal dz-& P/12543/DURG izLrqr fd;k Fkk tks fnukad&02-02-2015 rd izHkkoh FkkA bl izdkj ?kVuk fnukad&09-07-2016 ds iwoZ gh mDr okgu ds pkyd dk yk;lsal oS/k o izHkkoh ugha Fkk vkSj mDr Mªk;foax ykbZlsal fnukad&02-02- 2015 dks lekIr gks pqdk Fkk vkSj mlds 30 fnuksa ds Hkhrj mls uohuhd`r djok;k tkuk ifjokfnuh dh vksj ls fl} ugha fd;k x;k gSA bl izdkj e`rd ds }kjk oS/k o izHkkoh Mªk;foax ykbZlsal /kkfjr fd, fcuk lkoZtfud ekxZ ij mYysf[kr dkj pyk;k tkuk KkfIr gks] tks fof/kd izko/kkuksa dk ?kksj mYya?ku gS ftlds dkj.k vukosnd }kjk vius i= dzekad&270300@19@ 2017 fnukafdr&10-04-2017 ds ek/;e ls chek/kkjd vkWfQllZ ,lksfl,'ku fHkykbZ LVhy IykaV] fHkykbZ dks mDr rF;ksa dh lwpuk nsdj ;g voxr djk;k x;k Fkk fd Claim is not payble as cause of death is arising or resulting from the insured committing any breach of the law. Ek`rd us Lor% fof/kd izko/kkuksa dk ?kksj mYya?ku djrs gq, nq?kZVuktU; ifjfLFkfr;ka fufeZr dj lkoZtfud ekxZ ij okgu pykrs gq, vfr tksf[keiw.kZ d`R; fd;k gS ftlls uk ek= dkj pkyd dk vfirq vU;kU; O;fDr o laink dks {kfr gksuk Hkh iz;qDr gks pqdk gS] vr% tku&cw>dj e`rd ds }kjk Lor% fof/kd nks"k djrs // 11 // gq, nq?kZVuk vkeaf=r fd;k tkuk ifj.kker% mudh e`R;q gksuk Kkr gksus ds dkj.k vukosnd us chek lafonkuqlkj nkok Bhd gh fujLr fd;k gS ftlesa dksbZ =qfV ugha gSA bl izdj.k easa iznhi dqekj vxzoky ds }kjk /kkjk&3 eksVj ;ku vf/kfu;e ds vuqikyu esa eksVj lkbZfdy pykus ds fy, Mªk;foax ykbZlsal /kkfjr ugha fd;k x;k vkSj iwoZ esa izkIr Mªk;foax ykbZlsal dks 66 o"khZ; o`} gksus ds ckn mldk uohuhdj.k fu;ekuqlkj ugha djok;k x;k] vr,o mudk d`R; /kkjk&181 eksVj ;ku vf/kfu;e ds varxZr n.Muh; vijk/k gSA bl izdj.k esa Jh iznhi dqekj vxzoky }kjk tku&cw>dj vkijkf/kd ea'kk j[kdj Lor% nks"k fd;k x;k gS vkSj ;g nks"k fof/kd izko/kkuksa dk mYya?ku dj fd;k x;k gS] vr% chek lafonk ds viotZu [k.M ds vuqlkj mldk nkok Lohdkj ;ksX; ugha Fkk] bl dkj.k mls fujLr fd;k x;k gS tks vukosnd dh lsok esa fuEurk ugha gSA vr% ifjokfnuh dk ifjokn lO;; fujLr fd;k tkosA vukosnd dh vksj ls vius rdZ ds leFkZu esa Revision Petition No. 2086 of 2016 Sharda Bai Vs. Manager, Liberty Videocon General Insurance Company Limited & 2 Ors. Order Dated-03 March 2017 dk voyacu fy;k gSA 08- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ifjokfnuh ,oa vukosnd }kjk izLrqr 'kiFk&i= rFkk nLrkosth lk{;ksa dk Hkh voyksdu fd;k x;kA 09- vukosnd ds }kjk ;g rdZ fd;k x;k gS fd mDr izdj.k esa i{kdkjksa dk vla;kstu gS] vr% loZizFke bl iz'u dk fu/kkZj.k djuk vko';d gSA // 12 // 10- vukosnd ds }kjk vius fyf[kr dFku dh dafMdk&1 esa ;g vfHkopu fd;k x;k gS fd **iznhi dqekj vxzoky ds }kjk fHkykbZ bLikr la;a= esa ,- th- ,e- dksd tksu izkstsDV ds in ij dk;Zjr gksdj vkbZMh ua-&52398 izkIr djus vkSj fnukad&28-04-2010 dks fjVk;MZ gksus rFkk foHkkxh; vkWfQllZ ,lksfl,'ku ds ek/;e ls fnukad&01-06-2010 dks xzqi ba';ksjsal ikWfylh dz; fd, tkus laca/kh ckrsa e`rd@ifjokfnuh ,oa fHkykbZ bLikr la;a= ds vkWfQllZ ,lksfl,'ku ds e/; mRiUu dFku gS] vr% mDr ckrsa dks fl} djus gsrq bl izdj.k esa **fHkykbZ bLikr la;a= dk vkWfQllZ ,lksfl,'ku** vko';d i{kdj gS] ftUgsa i{kdkj u cuk, tkus ds dkj.k i{kdkjksa ds vla;kstu ds vk/kkj ij ifjokn fujLrh ;ksX; gSA** 11- ifjokfnuh ds }kjk izn'kZ lh&1 ¼II½ izLrqr fd;k x;k gS tks fd chek izek.k&i= ¼lfVZfQdsV vkWQ ba';ksjsal½ gS ftlesa vkWfQlj dk uke iznhi dqekj vxzoky rFkk chek/ku 20]00]000@&¼chl yk[k :Ik;s½ of.kZr gS ,oa ifjokfnuh ds }kjk vukosnd ls mDr chek/ku fnyk;s tkus dh izkFkZuk dh xbZ gSA ,slh fLFkfr esa vukosnd dk ;g vk{ksi dh i{kdkjksa dk vla;kstu gS] vLohdkj fd;k tkrk gSA 12- ifjokfnuh ds }kjk ifjokn&i= dh dafMdk&1 esa ;g vfHkopu fd;k x;k gS fd **ifjokfnuh ds ifr iznhi dqekj vxzoky fHkykbZ bLikr la;a= esa vflLVsaV tujy eSustj dksd tksu izkstsDV ds in ls fnukad&28-04-2010 dks fjVk;MZ gq;s Fks] ftudh O;fDrxr vkbZ- Mh- 52398 gSA ifjokfnuh ds ifr }kjk vukosnd ls o"kZ 01-06-2010 dks vius foHkkxh; vkWfQllZ ,lksfl,'ku // 13 // ds ek/;e ls xzqi ba';ksjsal ikWfylh dz; fd;k x;k gSA ikWfylh gsrq izLrko&i= fn;k tkdj fu/kkZfjr izhfe;e vnk dj fnukad&01-06-2010 ls fnukad&31-05-2022 rd ds fy, vf/kdre chek ewY; 20]00]000@&¼chl yk[k :Ik;s½ dh ikWfylh dzekad&27030042100500000022 dz; fd;k x;k FkkA ikWfylh ds ek/;e ls ifjokfnuh ds ifr iznhi dqekj vxzoky chfer jgs gSaA** 13- vukosnd ds }kjk vius fyf[kr dFku dh dafMdk&1 esa ;g vfHkopu fd;k x;k gS fd **vkWfQllZ ,lksfl,'ku fHkykbZ LVhy IykaV] fHkykbZ ds }kjk bl fo:} i{kdkj vFkkZr~ ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM ls **VsyjesM xzqi ilZuy ,DlhMsaV ikWfylh** lEiw.kZ lafonkRed 'krksZa] viotZukvksa] fucZa/kuksa ,oa fu;eksa ds rgr izkIr fd;k x;k Fkk ftldk ikWfylh dzeakd&190502@42@10@05@000000022] E;kn fnukad&01-06- 2010 ls 31-05-2015 Fkk rFkk fnukad&30-09-2010 dks blesa baMkslZesaV dj 05 o"kZ ds fy, tkjh fd, x, vof/k dks vkWVks fjuhoy dj vfxze 07 o"kksZ ds fy, izHkkoh fd;k x;k FkkA** 14- ifjokfnuh ds }kjk ,usD'pj lh&1 izLrqr fd;k x;k gS rFkk vukosnd }kjk Hkh ;g Lohdkj fd;k x;k gS fd nq?kZVuk ds le; e`rd iznhi dqekj vxzoky vukosnd ds ikl chfer FkkA bl izdkj ;g Li"V gS fd e`rd iznhi dqekj vxzoky us **VsyjesM xzqi ilZuy ,DlhMsaV ikWfylh** izkIr fd;k Fkk vkSj nq?kZVuk ds le; og vukosnd ds ikl chfer FkkA // 14 // 15- vc ;g ns[kuk gS fd D;k ifjokfnuh mDr **VsyjesM xzqi ilZuy ,DlhMsaV ikWfylh** ds varxZr chek/ku izkIr djus dh vf/kdkfj.kh gS\ 16- vukosnd us nkok fujLrh ds laca/k esa fnukad&10-04-2017 dks ifjokfnuh dks tks i= fy[kk Fkk mlesa e`rd iznhi dqekj vxzoky dk Mªk;foax ykbZlsal dzekad&CG 07/1989/0012543 gSA ;g Mªk;foax ykbZlsal fnukad&21-08-1989 ls vkj- Vh- vks- dk;kZy; }kjk tkjh fd;k x;k Fkk rFkk vafre izHkkoh fnukad&02-02-2015 gSA ;g Mªk;foax ykbZlsal nq?kZVuk fnukad&09-07-2016 dks izHkkoh ugha Fkk tks fd chek 'krZ dh dafMdk&5(e) Claim is not payable as cause of death is arising or resulting from the insured committing any breach of the law." viotZu ds varxZr vkrk gSA blfy, vukosnd ds }kjk nkok fujLr fd;k x;k gSA 17- bl laca/k esa ifjokfnuh dk ;g rdZ Fkk fd ikWfylh xzqi ,DlhMsaV ikWfylh gS uk fd eksVj chek ikWfylh gSA mDr ikWfylh ds nkos Hkqxrku ds fy, yk;lsal dh oS/krk vko';d ugha gSA e`rd iznhi dqekj vxzoky ds }kjk vkijkf/kd bjkns ls fdlh dkuwu dk mYya?ku djus ;k mDr ds ifj.kke Lo:Ik e`R;q gksuk izekf.kr djus esa chek daiuh iwjh rjg ls foQy jgh gSA chek daiuh O;fDr dk vkijkf/kd bjknk izekf.kr djus esa foQy jgh gS] vr% nkok Hkqxrku ;ksX; gSA vukosnd ds }kjk ifjokfnuh dk nkok Mªk;foax ykbZlsal ugha gksus ds dkj.k fujLr fd;k x;k gSA vukosnd ds }kjk ;g rdZ fd;k x;k gS fd oS/k ,oa izHkkoh Mªk;foax ykbZlsal dk gksuk eksVj Oghdy // 15 // ,DV ds varxZr vfuok;Z gS tks fd chek ikWfylh dh viotZu DykWt 5(e) ds varxZr vkrk gS] vr% ifjokfnuh {kfriwfrZ ikus dh vf/kdkfj.kh ugha gSA 18- Kailash Chandra Kalkhundia Vs. Oriental Insurance Co. Ltd. and Anr. 2017 (4) CPR 209 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& **;fn nq?kZVuk ds le; okgu pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk rks chek daiuh us nkos dks vLohdkj dj fdlh izdkj ls lsok esa deh ugha fd;k gSA** 19- Karnail Singh Vs. United India Insurance Company Limited, II (2010) CPJ 104 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Driver driving vehicle without valid licence, in violation of terms and conditions of policy, repudiation of claim by insurer is justified."
20. M/s. MRH Associates Through its Partner, Mr. Harsh Kumar Handa vs. National Insurance Co. Ltd., Through its Branch Manager & Anr., 2015 (1) CPR 137 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "If driver of vehicle is not holding a valid and effective licence for driving vehicle in question, it shall be a serious violation of statutory requirement under Motor Vehicles Act as also conditions of insurance policy which would vitiate contract of insurance and as such insurance company would be entitled to repudiate claim."
// 16 // 21- New India Assurance Co. Ltd. Vs. Musharaf Alam II (2012) CPJ 55 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "10. .....................................the driver of the Respondent did not have a valid licence at the time of accident and this is clearly a violation of the terms and conditions of the insurance policy as also Section 15 of the Motor Vehicles Act. These are sufficient grounds on which the claim can justifiably be repudiated."
22- bl izdkj e`rd iznhi dqekj vxzoky ds ikl nq?kZVuk fnukad&09-07- 2016 dks oS/k ,oa izHkkoh Mªk;foax ykbZlsal ugha Fkk vkSj dsoy ifjokfnuh ds }kjk ;g vfHkopu dj nsus ek= ls fd ;g ,d xzqi ilZuy ,DlhMsaV ikWfylh gS uk fd eksVj chek ikWfylh] blfy, pkyd ds ykbZlsal dh oS/krk dk izdj.k ds fujkdj.k ds fy, lqlaxr rF; ugha gS] e`rd iznhi dqekj vxzoky dks Mªk;foax ykbZlsal ls mUeksfpr ugha djrk gSA e`rd iznhi dqekj vxzoky Lo;a okgu dkj dzekad&lh-th- 07 tsM-Mh-@4117 pyk jgk Fkk vkSj okgu pkyu djrs le; gh nq?kZVuk dkfjr gqvk gSA eksVj ;ku vf/kfu;e ds vuqlkj lkoZtfud LFkku esa okgu pkyu gsrq Mªk;foax ykbZlsal gksuk vkKkid gS vkSj pwafd fcuk Mªk;foax ykbZlsal ds okgu pyk;k tk jgk Fkk] ;g eksVj ;ku vf/kfu;e dk mYya?ku gS tks fd ikWfylh ds viotZu dh dafMdk&5 (e) ds varxZr gS ftlds vuqlkj ;fn dksbZ chfer lnL; dh e`R;q dk dkj.k fdlh fof/k ds mYya?ku ds dkj.k gqvk gks rks chek daiuh dksbZ Hkh {kfr nkok dh jkf'k Hkqxrku djus gsrq nkf;Rok/khu ugha gksxhA chek ,d lafonk gS vkSj blds fu;e ,oa 'krsZa nksuksa i{kdkjksa ij ca/kudkjh gSA e`rd iznhi dqekj vxzoky ds }kjk chek 'krksZa dk mYya?ku fd;k x;k gSA vr% ifjokfnuh chek // 17 // ikWfylh ds rgr fdlh izdkj dh {kfriwfrZ izkIr djus dh vf/kdkfj.kh ugha gSA 23- ifjokfnuh us tks U;k; n`"Vkar izLrqr fd;k gS og bl izdj.k ds rF;ksa ls fHkUu gksus ls Lohdkj ;ksX; ugha gSA 24- mijksDr foospuk ds ifjizs{; esa ge bl fu"d"kZ ij igaqprs gSa fd ifjokfnuh vius ifjokn dks izekf.kr djus esa foQy jgh gSA 25- vr% ifjokfnuh dk ifjokn fujLr fd;k tkrk gSA izdj.k dh ifjfLFkfr;ksa dks ns[krs gq, i{kdkj viuk&viuk O;; ogu djsaxsA ¼U;k;ewfrZ lh- ch- cktis;h½ ¼Jherh :fp xks;y½ v/;{k lnL;
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