State Consumer Disputes Redressal Commission
Dinesh Kumar Larokar vs National Insurance Co.Ltd. & Ors. on 15 March, 2018
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vihykFkhZ dh vksj ls Jh eks- vj'kn [kku] vf/koDrkA mRrjoknh dz-1 ,oa 4 dh vksj ls Jh ih- ds- ikWy] vf/koDrkA mRrjoknh dz-2 ,oa 3 vuqifLFkrA vkns'k fnukad% 15@03@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@ifjoknh uss ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds rgr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ // 2 // ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&lh-lh-@2015@503 esa ikfjr vkns'k fnukad&02 Qjojh 2017 ftlds }kjk ifjoknh ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k gSA 02- vihykFkhZ@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl++ izdkj jgk gS fd ifjoknh f'kf{kr ;qod gS tks Lojkstxkj }kjk thfodksiktZu gsrq e'khu }kjk feV~Vh [kqnkbZ dk dk;Z djrk gS vkSj bl gsrq psu ekmaV e'khu nks'ku Mh ,Dl 210 gkW;j ipsZt esa dz; fd;k Fkk ftls vukosnd dz-1 ds ikl chfer djk;k FkkA ifjoknh dh mDr psu ekmaV e'khu vFkZewoj izd`fr dk gS ftls ,d LFkku ls nwljs LFkku ij vU; okgu dh lgk;rk ls gh ys tk;k tk ldrk gS vkSj bl rF; ls voxr gksrs gq, vukosnd dz-1 }kjk chek fd;k x;k gS rFkk chek nLrkost esa ifjoknh dk dk;Z LFky ljxqtk ,oa laiw.kZ NRrhlx<+ gksuk vafdr gSA chek djkrs le; vukosnd dz-1 }kjk ;g ugha crk;k x;k Fkk fd e'khu dks ,d LFkku ls nwljs LFkku ij ys tkus dh n'kk esa VªkaliksVsZ'ku gsrq vfrfjDr izhfe;e ns; gksxk rFkk bl vk'k; dk mYys[k chek nLrkost esa Hkh ugha gSA fnukad&12-06-2015 dks ifjoknh dh e'khu dks vukosnd dz-3 ds LokfeRo ds Vªsyj dzekad&lh-th- 04@2131 esa nq/kkok Mse dkadsj ls yksM dj /kerjh ys tk;k tk jgk Fkk rc Vsªyj ds pkyd vukosnd dz-2 us jkLrs esa ujgjiqj Fkkus ds varxZr Nkijikjk dzkflax ds ikl Vsªyj dks ykijokghiwoZd pykdj nq?kZVuk dkfjr dj // 3 // fn;k ftlls e'khu fxjdj {kfrxzLr gks xbZ ftldh f'kdk;r ifjoknh }kjk fnukad&16-06-2015 dks ujgjiqj] ftyk dkadsj esa fd, tkus ij izFke lwpuk dz-&100@2015 ntZ fd;k x;k rFkk ?kVuk dh lwpuk vukosnd dz-1 dks Hkh fnukad&12-06-2015 dks nsdj Dyse gsrq dk;Zokgh dk fuosnu fd;k ijUrq vukosnd dz-1 }kjk fnukad&15-07-2015 dks i= ds ek/;e ls {kfriwfrZ nsus ls badkj dj fn;k x;k ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd vfHkdfFkr e'khu dk chek vukosnd dz-1 us dkaVsªDVlZ IykaV ,aM e'khujh ikWfylh ds varxZr fd;k Fkk ftldh chek vof/k fnukad&13-06-2014 ls 12-06-2015 rd FkhA e'khu dk ifjlj dk;Z{ks= chek ikWfylh esa ljxqtk ,oa laiw.kZ NRrhlx<+ mYysf[kr gS rFkk e'khu dks ,d LFkku ls fdlh vU; LFkku ij ifjogu fd;k tkuk bl ikWfylh ds rgr mipkfjr ugha gksrk gSA ifjoknh us vukosnd dz-1 dks bl ckjs esa uk rks dgk gS vkSj uk gh tkudkjh nh gSA ;fn e'khu ,d LFkku ls vU; LFkku ifjogu dh tkrh gS rks blds fy, ejhu VªkaliksVZ ikWfylh ds rgr fjLd dOgj gksrk gS rFkk chek djrs le; ifjoknh dks crk;k x;k Fkk fd chek daiuh }kjk fdu&fdu tksf[keksa dks 'kkfey fd;k x;k gSA ifjoknh us Lo;a gh vksu Msest] vFkZDosd] ¶yksVj fjLd] VsjfjLV yksfMax ds fjLd dks pquk FkkA // 4 // ftl okgu esa ,slh e'khuksa dks ys tk;k tkrk gS mlh okgu dk Lokeh ejhu VªkaftV ikWfylh izkIr djrk gS bl dkj.k vukosnd dz-4 vdsys uqdlku dh HkjikbZ ds fy, ftEesnkj gSA nq?kZVuk dh lwpuk feyus ij vukosnd dz-1 }kjk losZ;j dh fu;qfDr dh xbZ vkSj losZ;j }kjk tkap ds ckn vukosnd dz-1 us ifjoknh dks fnukad&15-07-2015 dks i= fy[kdj iwNk Fkk fd ;fn ifjoknh us ejhu VªkaftV ikWfylh vukosnd dz-1 ls yh gS rks mls vfxze dk;Zokgh ds fy, lcfeV djs ijUrq ifjoknh us bldk dksbZ tokc ugha fn;kA vukosnd dz-1 us ifjoknh dks fnukad&15-09-2015 dks ;g crkrs gq, lwfpr fd;k fd ,d izkstsDV lkbZV ls nwljs izkstsDV lkbZV ij ifjogu fd;s tkus ds nkSjku gqbZ {kfr bl ikWfylh ds varxZr dOgj ugha gksrh gS blfy, nkok uks Dyse fd;k x;k gSA vukosnd dz-1 us ifjoknh dks ejhu VªkaftV ikWfylh tkjh ugha dh gS blfy, vukosnd dz-1 fdlh Hkh rjg dk vuqrks"k nsus ds fy, mRrjnk;h ugha gSA vukosnd dz-1 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd dz-1 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls ftyk Qksje ds le{k dksbZ fyf[kr dFku ,oa lk{; izLrqr ugha gSA 05- mRrjoknh dz-3@vukosnd dz-3 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh mDr psu ekmaV e'khu ds }kjk O;olk; djrk gS rFkk okgu O;kolkf;d // 5 // dk;Z gsrq iathc} ,oa chfer gSA ifjoknh }kjk vlR; ,oa c<+k&p<+kdj fjis;fjax dk fcy 11]52]956@&¼X;kjg yk[k ckou gtkj ukS lkS NIiu :Ik;s½ rFkk 74]100@&¼pkSgRrj gtkj ,d lkS :Ik;s½ dqy&12]26]000@&¼ckjg yk[k NCchl gtkj :Ik;s½ dk izLrqr fd;k x;k gS] fdUrq ifjokn&i= ,oa izFke lwpuk&i= esa bl laca/k esa dksbZ mYys[k ugha gS mDr e'khu esa D;k =qfV vkbZ Fkh rFkk ifjoknh }kjkl nq?kZVuk esa e'khu dh dk;Z{kerk ,oa vk;q dh deh crkrs gq, 3]00]000@&¼rhu yk[ :Ik;s½ dh {kfr crkbZ xbZ gS tcfd ifjoknh }kjk mDr e'khu ds vf/kdrj ikVZ~l dks cnys tkus ds laca/k esa dksVs'ku fn;k x;k gSA ifjoknh }kjk nq?kZVuk ds dkj.k e'khu esa dke u djus ls 8]000@&¼vkB gtkj :Ik;s½ izfrfnu ds vk; dk uqdlku crk;k x;k gS fdUrq ifjoknh }kjk bl laca/k esa dksbZ izek.k&i= is'k ugha fd;k x;k gS rFkk vU; enksa esa Hkh ifjoknh }kjk c<+k&p<+kdj jde dh ekax dh xbZ gS tks Lohdkj ;ksX; ugha gSA nq?kZVuk nqxZ ftys esa ugha gqbZ gS vkSj uk gh vukosnd dz-2 ,oa 3 nqxZ ftys ds fuoklh gSa blfy, ifjokn dh lquokbZ dk {ks=kf/kdkj ftyk Qksje nqxZ dks ugha gSA ifjoknh] vukosnd dz-3 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 06- mRrjoknh dz-4@vukosnd dz-4 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh ,oa vukosnd dz-4 ds e/; dksbZ chek lafonk ugha gS vkSj uk gh ifjoknh // 6 // us vukosnd dz-4 ls dksbZ chek ikWfylh fy;k gSA ,slh fLFkfr esa ifjoknh] vukosnd dz-4 dk **miHkksDrk** ugha gSA ifjoknh dk ifjokn vlR;] fujk/kkj ,oa diksydfYir gSA ifjoknh us vius ifjokn&i= esa ;g vfHkopu ugha fd;k gS fd vukosnd dz-4 us fdl izdkj ls lsok esa deh fd;k gSA vukosnd dz-4 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd dz-4 ls dksbZ vuqrks"k ikus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 07- vihykFkhZ@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k ek;k bysfDVªdy ,.M dkUVsªDVj }kjk fn;k x;k fcy fnukad&18-06-2015 dh Nk;kizfr ¼,usD'pj ,&1½] ifjoknh }kjk vukosnd dz-1 dks nh xbZ nq?kZVuk dh lwpuk fnukad&12-06-2015 dh Nk;kizfr ¼,usD'pj ,&2½] izFke lwpuk izfrosnu dh Nk;kizfr ¼,usD'pj ,&3½] deZ lsYl ,.M lfoZl dh lfoZl fjiksVZ fnukad&16-06-2015 dh Nk;kizfr ¼,usD'pj ,&4½] deZ lsYl ,.M lfoZl dk dksVs'ku fnukad&18-06-2015 dh Nk;kizfr ¼,usD'pj ,&5 ,oa ,&6½] chek ikWfylh dh Nk;kizfr ¼,usD'pj ,&7½] vukosnd dz-1 }kjk ifjoknh dks izsf"kr i= fnukad&15- 07-2015 dh Nk;kizfr ¼,usD'pj ,&8½] lfVZfQdsV vkWQ jftLVsª'ku dh Nk;kizfr ¼,usD'pj ,&9½] vukosnd dz-4 }kjk tkjh chek ikWfylh dh Nk;kizfr ¼,usD'pj ,&10½ rFkk isij izdk'ku dh izfr ¼,usD'pj ,&11½ izLrqr fd;k gSA // 7 // 08- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k dkUVsªDVlZ IykaV ,.M e'khujh chek ikWfylh dh fu;e ,oa 'krZ dh Nk;kizfr ¼,usD'pj ,u,&1½] vukosnd dz-1 }kjk ifjoknh dks izsf"kr i= fnukad&15-07-2015] 15-09-2015 dh Nk;kizfr ¼,usD'pj ,u,&2 ,oa ,u,&3½ rFkk losZ;j fjiksVZ fnukad&28-06-2015 dh Nk;kizfr ¼,usD'pj ,u,&4½ izLrqr fd;k gSA 09- mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ ftyk Qksje us ifjoknh ds ifjokn dks fujLr fd;k gS ftlds fo:} ;g vihy gSA 10- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh eksgEen vj'kn [kku dk rdZ gS fd ifjoknh us vius thfodksiktZu gsrq psu ekmaV e'khu nks'ku Mh&,Dl 210 dz; fd;k Fkk tks fd vukosnd dz-1 ds ikl chfer FkkA vukosnd dz-1 us chek djrs le; ;g ugha crk;k Fkk fd e'khu dks ,d LFkku ls nwljs LFkku ys tkus dh n'kk esa VªkaliksVsZ'ku gsrq vfrfjDr izhfe;e ns; gksxkA fnukad&12-06- 2015 dks ifjkonh dh e'khu dks vukosnd dz-3 ds LokfeRo dh Vsªyj dzekad&lh-th-04@2131 ls nq/kkok Mse dkadsj ls yksM dj /kerjh ys tk;k tk jgk Fkk ijUrq Vsªyj ds pkyd }kjk ykijokghiwoZd okgu pyk;k x;k ftlds dkj.k ls mDr okgu nq?kZVukxzLr gks xbZ vkSj ifjoknh dh e'khu Hkh {kfrxzLr gks x;k Fkk ftldh fjiksVZ fnukad&16-06-2015 dks ujgjiqj Fkkus esa ntZ fd;k x;k FkkA ifjoknh dks e'khu dks lq/kjokus esa // 8 // 19]97]056@&¼mUuhl yk[k larkucs gtkj NIiu :Ik;s½ dk O;; djuk iM+k gSA ifjoknh us nq?kZVuk dh lwpuk vukosnd dz-1 dks Hkh fn;k Fkk ijUrq vukosnd dz-1 us ifjoknh dks vLohdkj dj fn;k tcfd vukosnd dz-1 dk ;g drZO; Fkk fd og ifjoknh dks crkrk fd VªkaftV ikWfylh ds fy, vyx ls izhfe;e ns; gksxk] ijUrq vukosnd dz-1 us bl rF; dks fNikrs gq, chek ikWfylh tkjh fd;k Fkk vkSj ,slh fLFkfr esa tcfd ifjoknh us laiw.kZ NRrhlx<+ ds fy, ikWfylh izkIr fd;k Fkk] ,slh fLFkfr esa vxj VªkaliksVZs'ku ds le; e'khu {kfrxzLr gqvk gS rks og Hkh chek ikWfylh ls vkPNkfnr Fkk vkSj mldh {kfriwfrZ ds fy, vukosnd dz-1 nkf;Rok/khu gS] ijUrq ftyk Qksje us bu rF;ksa dks /;ku fn, fcuk =qfViw.kZ vkns'k ikfjr dj fn;k gSA vr% ifjoknh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr dj ifjoknh dks ifjokn& i= esa of.kZr vuqlkj vuqrks"k iznku dh tkosA ifjoknh us vius rdZ ds leFkZu esa United India Insurance Co. Ltd. Vs. M/s. Pushpalaya Printers 2004(2) Supreme 225 dk voyacu fy;k gSA 11- mRrjoknh dz-1@vukosnd dz-1 us'kuy ba';ksjsal daiuh fyfeVsM ,oa mRrjoknh dz-4@vukosnd dz-4 bQdks&Vksfd;ks tujy ba';ksjsal daiuh fyfeVsM dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd ifjoknh us vukosnd dz-1 ls dkUVsªDVlZ IykaV ,.M e'khujh ba';ksjsal ikWfylh izkIr fd;k Fkk vkSj blds vk/kkj ij dsoy IykaV vkSj e'khujh gh vkPNkfnr Fkk vkSj vxj e'khu dks ,d LFkku ls nwljs LFkku ij VªkaliksVsZ'ku fd;k tk jgk Fkk vkSj VªkaliksVsZ'ku ds nkSjku e'khu {kfrxzLr gksrk gS rks mlds fy, ikWfylh tkjh ugha Fkk vkSj // 9 // ifjoknh Lo;a e'khu dks vkWijsV djkrk gS vkSj ,slh fLFkfr esa mls ikWfylh ds rF;ksa ds ckjs esa tkudkjh Fkk vkSj ;fn ifjoknh chek ikWfylh ,oa mldh 'krksZa dks izkIr djus ds Ik'pkr~ mlls larq"V ugha Fkk rks mlds laaca/k esa chek daiuh dks fyf[kr esa lwpuk nsuk pkfg, Fkk] ijUrq ifjoknh }kjk bl izdkj dh dksbZ dk;Zokgh ugha fd;k x;k gS vkSj tks chek ikWfylh tkjh gqvk gS mldh 'krksZa dk vFkkZUo;u mlh vuq:Ik esa fd;k tkosxk ftl vuq:Ik esa ikWfylh tkjh gqvk gS rFkk ifjoknh ds vuqlkj vukosnd dz-3 ds okgu ls e'khu dks VªkaliksVZ fd;k tk jgk Fkk vkSj vukosnd dz-3 ds okgu dk nq?kZVukxzLr gksus ls e'khu {kfrxzLr gqvk gS rks ,slh fLFkfr esa bafM;u dSfj;lZ ,DV] 1865 dk izko/kku vkdf"kZr gksrk gS vkSj blfy, /kkjk&10 dk uksfVl vko';d gS] ijUrq bl izdj.k esa vukosnd dz-3 dks dksbZ lwpuk&i= ugha fn;k x;k gS blfy, Hkh ifjoknh dk ifjokn vizpyu ;ksX; gS vkSj ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gSA vr% ifjoknh dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkns'k ;Fkkor~ j[kk tkosA 12- mRrjoknh dz-2 ,oa 3@vukosnd dz-2 ,oa 3 dh vksj ls dksbZ milatkr ugha gq, gSaA 13- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA // 10 // 14- ;g Lohd`r gS fd ifjoknh psu ekmaV e'khu nks'ku Mh ,Dl 210 dk iathd`r Lokeh Fkk vkSj ;g Hkh Lohd`r gS fd mDr e'khu vukosnd dz-1 ds ikl chfer Fkk vkSj chek vof/k ds nkSjku gh mDr e'khu {kfrxzLr gqvk FkkA 15- ifjoknh dk ;g dFku gS fd e'khu dks ,d LFkku ls nwljs LFkku ij ys tkus dh n'kk esa VªkaliksVsZ'ku dk tks vfrfjDr izhfe;e ns; gksxk] bl rF; dks vukosnd dz-1 }kjk ifjoknh dks voxr ugha djk;k x;k FkkA ifjoknh dk mDr rdZ Lohdkj fd;s tkus ;ksX; ugha gSA ifjoknh us chek ikWfylh ¼,usD'pj ,&7½ izLrqr fd;k gS tks fd dkUVsªDVlZ IykaV ,.M e'khujh ba';ksjsal ikWfylh gSA 16- Deokar Exports Pvt. Ltd. vs. New India Assurance Company Ltd., I (2009) CPJ 6 (SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "11. A policy of insurance is a contract based on an offer (proposal) and an acceptance. The appellant made a proposal. The respondent accepted the proposal with a modification. Therefore, it was a counter proposal. The appellant had three choices. The first was to refuse to accept the counter - proposal, in which event there would have been no contract. The second was to accept either expressly or impliedly, the counter proposal of the respondent (that is respondent's acceptance with modification) which would result in a concluded contract in terms of the counter proposal. The third was to make a counter proposal to the counter proposal of the respondent in which event there would have been no concluded contract unless the respondent agreed to such counter proposal. But the appellant // 11 // definitely did not have the fourth choice of propounding a concluded contract with a modification neither proposed nor agreed to by either party. If the appellant did not agree to the policy covering the period 26.8.1988 to 25.8.1989 instead of the period 12.3.1988 to 12.9.1989, the result would never create an insurance contract effective from 30.6.1989 or any other date".
17- Dr. Tarunjit Dutta Roy Vs. The Branch Manager, The New India Assurance Company Ltd., 2013 NCJ 418 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "21. In Oriental Insurance Co. Ltd. vs. Sony Cheriyan, this Court held (SCC p 455, para 17) .................... the terms of the agreement have to be strictly construed to determine the extent of liability of the insurer. The insured cannot claim anything more than what is covered by the insurance policy. That being so, the insured has also to act strictly in accordance with the statutory limitations or terms of the policy expressly set out therein."
"23 In the case of Polymat India (P) Ltd., and Another as National Insurance Co. Ltd., and Ors. and National Insurance Co. Ltd., vs. Polymat India (P) Ltd., and Another (2005) 9 Supreme Court Case 174, the Apex Court has held that:
....................
In this connection a reference may be made to a series of decisions of this Court wherein it has been held that it is the duty of the court to interpret the document of contract as was understood between the parties. In the case of General Assurance Society Ltd. vs. Chandumull Jain SCR at P 510 A-B it was observed as under:
"In interpreting documents relating to a contract of insurance, the duty of the court is to interpret the words in which the // 12 // contract is expressed by the parties, because it is not for the court to make a new contract, however, reasonable, if the parties have not made it themselves".
"25. In the case of Suraj Mal Ram Niwas Oil Mills Private Limited vs. United India Insurance Company Ltd., and Another (2010) 10 Supreme Court Cases 567, the Apex Court has held as under :
"Before embarking on an examination of the correctness of the grounds of repudiation of the policy, it would be apposite to be examine the nature of a contract of insurance. It is trite that in a contract of insurance, the rights and obligations are governed by the terms of the said contract. Therefore, the terms of contract of insurance have to be strictly construed, and no exception can be made on the ground of equity.
In General Assurance Society Ltd., a Constitution Bench of this Court had observed that (AIR p.1649, para 11) ........In interpreting documents relating to a contract of insurance, the duty of the court is to interpret the words in which the contract is expressed by the parties, because it is not for the court to make a new contract, however reasonable, if the parties have not been made it themselves".
18- mijksDr U;k; n`"Vkarksa ds ifjisz{; esa ;g Li"V gS fd ikWfylh ftl Lo:Ik esa tkjh fd;k x;k gS og mlh Lo:Ik esa ekU; gksxk rFkk ifjoknh dks ;g tkudkjh Fkk fd mlds }kjk dkUVsªDVlZ IykaV ,.M e'khujh ba';ksjsal ikWfylh izkIr fd;k x;k gS rFkk mlds lkFk mls fu;e ,oa 'krZ Hkh izkIr gqvk Fkk vkSj ,slh fLFkfr esa fu;e ,oa 'krksZa ds foijhr ifjoknh dk dFku fd vukosnd dz-1 }kjk ikWfylh ds laca/k esa ugha crk;k x;k Fkk] Lohdkj fd;s tkus ;ksX; ugha gSA // 13 // 19- ifjoknh us ;g vfHkopu fd;k gS fd **fnukad&12-06-2015 dks e'khu dks vukosnd dz-3 ds LokfeRo dh Vsªyj dz- lh-th- 04@2131 ls nq/kkok Mse dkadsj ls yksM dj /kerjh ys tk;k tk jgk Fkk ijUrq Vsªyj ds pkyd vukosnd dz-2 }kjk jkLrs esa ujgjiqj Fkkus ds varxZr Nkijikjk dzkflax ds ikl Vsªyj dks ykijokghiwoZd pykdj nq?kZVuk dkfjr dj fn;k] Qyr% ifjkonh dh e'khu fxjdj {kfrxzLr gks xbZA** bl izdkj ;g Li"V gS fd ifjoknh }kjk e'khu dks ,d LFkku ls nwljs LFkku ifjogu fd;k tk jgk FkkA 20- vukosnd dz-1 dh vksj ls chek ikWfylh dh fu;e ,oa 'krZ izLrqr fd;k x;k gSA mDr fu;e ,oa 'krZ esa tks otZu [k.M gS mlds [k.M&,p esa ;g Li"V :Ik ls mYysf[kr gS fd%& "h. Loss or damage whilst in transit, from one location to another location. (Public Liability will not be payable while Contractors Plant & Machineries are on Public Roads)."
21- bl izdkj Li"V gS fd e'khu dks ,d LFkku ls nwljs LFkku ifjogu fd;k tk jgk Fkk tks fd chek ikWfylh ls vkPNkfnr ugha FkkA 22- ifjoknh dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd vukosnd dz-3 dh =qfV ds dkj.k e'khu {kfrxzLr gqvk gS vkSj vukosnd dz-3 VªkaliksVZj gS vkSj ,slh fLFkfr esa bafM;u dSfj;lZ ,DV] 1865] dk izko/kku ykxw gksxkA /kkjk&10 bafM;u dSfj;lZ ,DV esa ;g crk;k x;k gS fd%& // 14 // Section 10 of The Indian Carriers Act, 1965 runs thus :-
"10. Notice of loss or injury to be given within six months.- No suit shall be instituted against a common carrier for the loss of, or injury to [goods (including container, pallets or similar article of transport used to consolidate goods) entrusted] to him for carriage, unless notice in writing of the loss or injury has been given to him before the institution of the suit and within six months of the time when the loss or injury first came to the knowledge of the plaintiff.] 23- Patel Roadways Ltd., Vs. Birla Yamaha Ltd. (2000) 4 Supreme Court Cases 91, esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "30. From the provisions of the Consumer Protection Act noted in the foregoing paragraph the position is clear that the consumer disputes redressal agencies, i.e. District Forums, State Commissions and the National Commission are vested with powers of adjudication of all types of consumer disputes. No exception is made in case of consumer disputes in which the allegations made in the complaint regarding deficiency of service causing damage to or loss of the goods are contested. Indeed finality is attached to the orders of the redressal agencies and provision is made for execution and implementation of the orders passed by them treating such orders as decree of the court. It is relevant to state here that on a perusal of the provisions of the Act it is clear that the scheme of the statute is to provide a hierarchy of redressal forums for attending to the grievances of consumers regarding deficiency in service promptly and give finality to the orders passed by the agencies. Therefore, it is difficult to accept the contention that the dispute redressal agencies provided in the Consumer Protection Act are not forums which have jurisdiction to entertain the complaints in which claims for loss or damage to goods entrusted to a carrier for transportation is seriously disputed."
// 15 //
24. P. Rama Rao Vs. P. Nirmala and Others, (1997) 1 Supreme Court Cases 757, esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Notice under Section 10 of the Carriers Act has to be issued, when the damage was caused to the goods, which is being carried due to an accident covered under the policy of insurance. So, a notice is required to be issued to the Insurance Company within six months from the date of the knowledge of the injury to or loss of the goods entrusted for carriage before filing the suit. In this case, such a notice was issued after expiry of six months from the date of the accident. The appellant - petitioner stepped into the shoes of the carrier i.e., P. Notice issued by the Indian Oil Corporation to the petitioner as well as common carrier and the Insurance Company would not be construed to be a notice under Section 10 . Under these circumstances, it must be held that the suit against the Insurance Company would not lie, though a suit may lies against the common carrier."
25. Arvind Mills Ltd. Vs. Associated Roadways, 2004 CTJ 1041 (Supreme Court) (CP), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. .................... Merely because the procedure under the Consumer Protection Act is summary in nature does not in any way warrant the abrogation of the requirement to serve notice under Section 10 of the Carriers Act before fastening any liability under that Act on the carriers."
26. Delhi Assam Roadways Corporation Ltd. Vs. B.L. Sharma, 2003 CTJ 491 (CP) (NCDRC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 16 // "15. In Ps. Rama Rao v. P. Nirmala & others, 1997 (1) SCC 757 Supreme Court observed that reading of Section 10 of Carriers Act would make it clear that no suit shall be instituted against a common carrier for the loss or injury to the goods entrusted to him for carriage unless notice in writing of the loss or injury to the goods has been given to him before institution of the suit within six months of the time when the loss or injury to the goods first came to the knowledge of the plaintiff. If a notice as required by Section 10 is not issued a suit would not lie against the common carrier. In the case before the Supreme Court, however, insured had recovered the loss occasioned to him from the insurer in respect of his goods lost by the common carrier."
27- bl izdj.k esa ifjoknh us vukosnd dz-3 tks VªkaliksVZj gS] mldks /kkjk&10 bafM;u dSfj;lZ ,DV] 1865] ds izko/kku ds vuqlkj lwpuk&i= izsf"kr ugha fd;k gS vkSj ,slh fLFkfr esa /kkjk&10 bafM;u dSfj;lZ ,DV] 1865 dk lwpuk&i= fn;k tkuk vkKkid gS vkSj vkKkid izko/kku dk ikyu ugha fd;s tkus ds dkj.k Hkh ifjoknh dk ifjokn la/kkj.kh; ugha gSA 28- ifjoknh dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd e'khu ejEer esa 19]97]056@&¼mUuhl yk[k larkucs gtkj NIiu :Ik;s½ O;; gqvk gS] ijUrq ifjoknh ds }kjk fcy izLrqr ugha fd;k x;k gS] dsoy ,d dksVs'ku izLrqr fd;k x;k gS tks fd deZ lsYl ,.M lfoZl dk gSA tgka rd dksVs'ku dk laca/k gS] og dsoy ,d ,fLVesV vFkkZr~ vuqekfur vkadyu gksrk gS og fcy ;k jkf'k Hkqxrku fd;s tkus laca/kh nLrkost ugha gksrk gS vkSj ifjoknh }kjk ,slk dksbZ lk{; ;k nLrkost izLrqr ugha // 17 // fd;k x;k gS ftlls ;g izdV gks fd mlus e'khu dk ejEer djk;k gS vkSj ejEer esa mls 19]97]056@&¼mUuhl yk[k larkucs gtkj NIiu :Ik;s½ dk O;; vk;k gS vkSj dsoy dksVs'ku ds vk/kkj ij ifjoknh dks {kfriwfrZ dh jkf'k ugha fn;k tk ldrk gSA 29- pwafd ifjoknh }kjk ;g lkfcr ugha fd;k tk ldk gS fd mldh e'khu fof/kor~ :Ik ls vukosnd dz-1 ds ikl chfer Fkk vkSj pwafd e'khu chek ikWfylh ls vkPNkfnr ugha Fkk vkSj ,slh fLFkfr esa ;fn og nq?kZVukxzLr gksdj {kfrxzLr gqvk gS rks mlds fy, chek daiuh mRrjnk;h ugha gS rFkk vukosnd dz-3 ftlds okgu esa mDr e'khu ifjogu fd;k tk jgk Fkk] dks bafM;u dSfj;lZ ,DV] 1865 dh /kkjk&10 dk uksfVl ugha fn;k x;k gS vkSj blds vHkko esa Hkh ifjoknh dk ifjokn la/kkj.kh; ugha gS rFkk ifjoknh ;g lkfcr ugha dj ldk gS fd mlus e'khu esa 19]97]056@&¼mUuhl yk[k larkucs gtkj NIiu :Ik;s½ O;; fd;k gSA 30- mijksDr foospuk ds ifjizs{; esa ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gS vkSj mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS vkSj uk gh fdlh izdkj ds gLr{ksi dh vko';drk gSA 31- vr% vihykFkhZ@ifjoknh dh vksj ls izLrqr vihy lkjghu gksus ls fujLr fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k // 18 // fnukad&02 Qjojh 2017 dh iqf"V dh tkrh gSA bl vihy dk O;;
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