State Consumer Disputes Redressal Commission
Smt.Ranjana Devi vs National Insurance Co.Ltd. on 13 December, 2011
vihy la[;k% 644@98 jkT; miHkksDrk fookn izfrrks"k vk;ksx]jktLFkku-] t;iqj vihy la[;k%2393@2010 Jherh jatuk nsoh cuke us'kuy ba';ksjsal daiuh fyfeVsM o vU;
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}kjk ifjokn la-356@2008 ds fu.kZ; fnuakd 30-11-2010 ds fo:} izLrqr gq;h gS ftlds }kjk mUgksaus vihykfFkZ;ka dk ifjokn chek daiuh ds fo:} fujLr dj fn;kA laf{kIr rF;ksa ds vuqlkj vihykfFkZ;ka us izR;FkhZ la-nks ls _.k ysdj ,d edku dk fuekZ.k djok;k Fkk rFkk bl edku dk chek izR;FkhZ la-,d ls HkwdEi o vkxtuh ds fo:} djok;k x;k FkkA ;g chek fnuakd 08-07-2005 ls 07-07-2006 rd izHkkoh FkkA ;g crk;k x;k fd fnuakd 08-10-2005 dks HkwdEi ds dkj.k vihykfFkZ;ka ds edku esa njkjsa vk x;h ftldh ejEer dk Dyse mlus izR;FkhZ la-,d ds le{k izLrqr fd;k tks fujLr dj fn;k x;kA vihykfFkZ;ka }kjk ftyk eap ds le{k fd;k x;k ifjokn Hkh Lohdkj ugha gqvkA izR;FkhZ la-,d us eq[; :i ls nks vk/kkjksa ij vihykfFkZ;ka dk ;g Dyse fujLr fd;k gSA izFke dkj.k ;g crk;k x;k gS fd vihykfFkZ;ka us bl ?kVuk dh lwpuk ?kVuk ds rhu&pkj efgus ckn chek daiuh dks nh FkhA nwljk dkj.k ;g crk;k x;k gS fd vihykfFkZ;ka ;g izekf.kr ugha dj ik;h fd mlds edku esa vk;h njkjsa HkwdEi ds dkj.k vk;h FkhA bl vihy ds uksfVl izR;FkhZx.k dks izsf"kr fd;s x;sA vihy xzg.kkFkZ fd;s tkus ds fcUnw ij nksuksa i{kksa dks lquk x;kA ;g rF; fookfnr ugha gS fd vihykfFkZ;ka ds edku esa njkjsa vk;h Fkh] chek daiuh dks bldh lwpuk nh xbZ FkhA chek daiuh us viuk losZ;j Hkh ekSds ij tkap ds fy;s HkstkA losZ;j us viuh fjiksVZ esa edku dh {kfr ds :i esa 22]789@&:i;s gksuk vafdr fd;k gS ijUrq mlus ;g Hkh mYys[k fd;k gS fd ;g {kfr HkwdEi ls gh gqbZ gks] bl laca/k esa vihykFkhZ ds le{k dksbZ izek.k izLrqr ugha dj ik;sA losZ fjiksVZ ds vuqlkj edku esa vkbZ bl {kfr dk dkj.k losZ;j us The present loss is due to land settlement or movement of made up ground floor and defective design or workmanship or use of defective material used in the construction gksuk crk;k A bl fcUnw ij fopkj djus ij ;g ik;k x;k fd ;|fi vihykfFkZ;ka us ?kVuk dh lwpuk chek daiuh dks nsjh ls nh gS ijUrq ;g rF; fookfnr ugha gS fd edku esa {kfr gqbZ Fkh vkSj lwpuk ds ckn tc losZ;j x;k rks mlus bl {kfr dk vkadyu Hkh fd;k FkkA ek=k nsjh ls lwpuk nsuk gh Dyse ds fy;s ?kkrd ugha gks ldrkA nwljk dkj.k ;g crk;k x;k fd HkwdEi ds ckjs esa dksbZ izek.k izLrqr ugha fd;k x;kA bl fcUnw ij Hkh ;fn blesa ge losZ;j dh fjiksVZ ij fopkj fd;k tk;s rks mUgksaus edku esa vk;h ;g njkjsa movement of made up ground floor ds dkj.k gksuk crk;k A bl izdkj Hkwfe f[kldus ls gh ;sa njkjsa vkuk bl fjiksVZ ls Hkh izrhr gksrh gSA bl vk/kkj ij ge ;g ekurs gS fd fo}ku ftyk ep }kjk ifjokn fujLr fd;s tkuk mfpr ugha Fkk A bl LVst ij vihy esa vc vU; dksbZ rF;kRed rFkk fof/k dk iz'u fopkj ;ksX; ugha jgrkA vr% vihy bl LVst ij fuLrkfjr djrs gq;s ;g vkns'k fn;k tkrk gS fd izR;FkhZ la-,d vihykfFkZ;ka dks losZ;j }kjk vkadfyr jkf'k :i;s 22]789@& bl vkns'k ds ,d efgus ds Hkhrj vnk dj nsxk ftlesa =kqfV gksus ij 9 izfr'kr okf"kZd dh nj ls C;kt Hkh vkns'k dh frfFk ls ns; gksxkA vihy dk [kpkZ nksuksa i{kdkjku~ viuk&viuk Loa; ogu djsaxsA ¼ fou; dqekj pkoyk ½ ¼ v'kksd ifjgkj ½ lnL;
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