State Consumer Disputes Redressal Commission
Rohit Kumar Sahu vs The New India Insurance Co.Ltd. on 25 January, 2018
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jksfgr dqekj lkgw ] vk- egs'k dqekj lkgw ] mez&33 o"kZ ] fuoklh&twgh ikjk okMZ uacj&14] ckyksn ftyk ckyksn ¼N-x-½ ---------- vihykFkhZ@ifjoknh fo:} fn U;w bafM;k ,';ksjsal daiuh fyfeVsM }kjk&'kk[kk izca/kd] 'kk[kk dk;kZy;&iqjkuk cl LVS.M] rg- ftyk jktukanxkao ¼N-x-½ ----------- mRrjoknh@vukosnd le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k-
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh vkbZ-,l-Bkdqj vf/koDrkA mRrjoknh dh vksj ls Jh ih-ds-ikWy vf/koDrk A vkns'k fnukad% 25@01@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@ifjoknh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] // 2 // jktukanxkao ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&177@2016 esa ikfjr vkns'k fnukad&11-09-2017 ftlds }kjk ifjoknh ds ifjokn fujLr fd;k x;k gS ] ls nqf[kr gksdj izLrqr fd;k gS A 02- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh ds LokfeRo dk okgu LdkfiZ;ks ftldk iath;u Øekad&C.G.07 M 6725 gS ,oa mDr okgu LdkfiZ;ks vukosnd chek daiuh esa chekd`r gS ] ftldk ikWfylh uacj&460300 @31@15@01@00002033 vof/k fnukad&06-09-2015 ls 05-09-2016 rd gS A ifjoknh fnukad& 25-03-2016 dks vius LokfeRo ds okgu LdkfiZ;ks Øekad&C.G.07 M 6725 esa vius ifjfpr eksgYysoklh fofur panzkdj] foosd panzkdj] fo'kky panzkdj] Jhefr m"kk panzkdj ] jkts'k Bkdqj ] clar dqekj dks ysdj fofur panzkdj ds fookg gsrq dU;k ns[kus ckyksn ls NqbZ[knku x;k Fkk ] NqbZ[knku ls okilh ds le; yxHkx jkf= 9-15 cts [kSjkx<+ ls jktukanxkao ds ekxZ ij in~ek Øs'kj ds ikl igqaps Fks ] mlh le; lkeus xk; vk tkus ls okgu iyV dj nq?kZVukxzLr gks x;h A mDr nq?kZVuk esa Jhefr m"kk panzkdj ,oa fouhr panzkdj dh e`R;q gks x;h rFkk ifjoknh o vU; lokjksa dks Hkh pksVsa vkbZ Fkha rFkk mDr nq?kZVuk esa ifjoknh ds LokfeRo dk okgu iwjh rjg ls {kfrxzLr gks x;k ,oa mDr nq?kZVuk ds dkj.k Fkkuk [kSjkx<+ ] ftyk jktukanxkao }kjk /kkjk&279] 337 o 304 ^v^ Hkk-n-fo-ds varxZr vijk/k iathc) fd;k x;k A ifjoknh }kjk vukosnd // 3 // dks mDr nq?kZVuk ds laca/k esa vukosnd chek daiuh ds {ks=h; dk;kZy; ] fHkykbZ esa lwpuk fn;k x;k Fkk ,oa okgu dh {kfriwfrZ ds laca/k esa tkudkjh ekaxk x;k Fkk ] ftl ij vukosnd chek daiuh ds {ks=h; dk;kZy; esa ifjoknh dks dgk x;k fd ] igys vki vius {kfrxzLr okgu dk ejEer~ djkbZ;s A mlds ckn vkidk Dyse ikl gksxk vkSj dqN nLrkost ds lkFk Dyse izLrqr djus dk funsZ'k fn;k x;k Fkk A ifjoknh us vukosnd chek daiuh }kjk chekd`r vius nq?kZVukxzLr okgu gsrq funsZ'kkuqlkj {kfriwfrZ nkoke; nLrkost izLrqr fd;k ] ftl ij dkQh foyac ls vukosnd ds }kjk ifjoknh dks uksfVl izsf"kr dj nkok [kkfjt dj fn;k ] tks fd miHkksDrk dks feyus okyh lsok lqfo/kk esa deh dh Js.kh esa vkrk gS A ifjoknh }kjk ges'kk gh vius okgu dks futh dk;kZs ds fy, mi;ksx fd;k tkrk jgk gS ,oa nq?kZVuk fnukad dks Hkh ifjoknh vius okgu dks Loa; pykrs gq, vius fe= ds HkkbZ ds fookg gsrq dU;k ns[kus NqbZ[knku ftyk jktukanxkao x;k Fkk A ifjoknh }kjk dHkh Hkh vius okgu dks O;olkf;d iz;kstu gsrq mi;ksx ugha fd;k x;k gS A ifjoknh us fizfe;e dh fu;r jkf'k dk Hkqxrku dj vukosnd chek daiuh ls vius mDr okgu dk chek djk;k x;k Fkk ,oa chek dh fu;r vof/k ds Hkhrj gh ifjoknh dk okgu nq?kZVukxzLr gks x;k ] ftldh {kfriwfrZ gsrq vukosnd chek daiuh nkf;Rok/khu gS A vukosnd chek daiuh us vius nkf;Roksa dh iwfrZ djus esa vuko';d gh vR;f/kd foyac dj vkti;ZUr rd ugha fd;k gS ] ftlds dkj.k ifjoknh dks yxHkx 7 ekg ls vius okgu LdkfiZ;ksa dk mi;ksx ugha dj ikus ds dkj.k ekufld {kfr gqbZ // 4 // rFkk vkfFkZd :i ls okgu dh ejEer~ dk O;; :- 1]90]716@&¼,d yk[k uCcs gtkj lkr lkS lksyg :i,½ dh {kfr gqbZ gS rFkk ekufld {kfr dk vkadyu :- 25]000@& ¼iPphl gtkj :i,½ djrk gS A ifjoknh us fnukad&16-10-2016 dks vius vf/koDrk ds ek/;e ls vukosnd dks jftLVMZ ,-Mh- uksfVle; tokc izsf"kr dj lwfpr fd;k x;k A vukosnd dks mDr jftLVMZ ,-Mh- uksfVl fnukad&20-10-2016 dks izkIr gksus ij Hkh vukosnd us mDr jftLVMZ ,-Mh uksfVl dk vkt fnukad rd dksbZ tokc ugha fn;k ,oa vukosnd vius nkf;Roksa ds ifjikyu esa ifjoknh dks fdlh rjg dk {kfriwfrZ jkf'k iznku ugha fd;k bl izdkj vukosnd dk mDr d`R; ifjoknh ds izfr miHkksDrk dks feyus okyh lsok lqfo/kk esa deh dh Js.kh esa vkrk gS A bl dkj.k ifjoknh dks ifjokn ykus dh vko';drk iM+h gS A vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03 vukosnd chek daiuh us ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ;g vfHkopu fd;k gS fd vukosnd chek daiuh ds }kjk chek ikWfylh uacj&460300 @31@15@01@00002033 dk chek fnukad& 06-09-2015 ls 05-09-2016 rd dh vof/k ds fy, jksfgr lkgw ds okgu Øekad&C.G.07 M6725 ds fy, chek ikWfylh ds fu;e ,oa 'krksZa ds varxZr izk;osV okgu ds :i esa fd;k x;k Fkk A rFkkdfFkr ?kVuk fnukad ,oa le; ds mDr okgu dk mi;ksx ifjoknh ds }kjk O;olkf;d mn~ns'; ls fd;k tk jgk Fkk tks fd Loa; ifjoknh ds }kjk izLrqr vfHkys[k ,oa vUos"k.k fjiksVZ ls Li"V gS fd bl izdkj ifjoknh ds }kjk // 5 // izkbosV okgu dk mi;ksx okf.kfT;d mn~ns'; dh iwfrZ gsrq fd;s tkus ds dkj.k chek 'krZ dk mYya?ku gksus ls vukosnd fdlh Hkh izdkj ls {kfriwfrZ ds fy, nkf;Rok/khu ugha gS A vukosnd chek daiuh ds }kjk ifjoknh ds }kjk chek daiuh ds le{k nkok izi= nkf[ky fd;s tkus ds i'pkr~ vUos"kd ds ek/;e ls ,oa vU; izdkj ls tkap fd;s tkus ij ifjoknh ds nkos dk fujkdj.k dj nkos dks ^uks Dyse* fd;s tkus dh lwpuk ifjoknh dks fof/kor~ iznku dj nh xbZ gS A rFkkdfFkr ?kVuk ds laca/k esa iqfyl Fkkuk [kSjkx<+ ds }kjk vijk/k Øekad&125@16 fnukad&25-03-2016 dks jkts'k dqekj Bkdqj ds }kjk fy[kkbZ xbZ izFke lwpuk izfrosnu ds vuqlkj & ^pkyd jksfgr dqekj lkgw dh xkM+h dks fdjk;s esa ysdj Jhefr m"kk panzkdj mlds yM+dk fnyhi panzkdj eaS rFkk clar Bkdqj ns[kus ds fy, x;s Fks A * bl izdkj Li"V gS fd mDr chfer okgu dk mi;ksx rFkkdfFkr ?kVuk fnukad ,oa le; ij ifjoknh ds }kjk okf.kfT;d mn~ns'; dh iwfrZ gsrq fdjk;s ls fd;k tk jgk Fkk ] tcfd okgu dk chek dsoy izkbosV mi;ksx fd;k x;k Fkk vkSj tks fd chek ikWfylh dh 'krZ dk mYya?ku gksus ds dkj.k vukosnd fdlh izdkj ls {kfriwfrZ ds fy, nkf;Rok/khu ugha gS A vukosnd chek daiuh ds }kjk rFkdfFkr nq?kZVuk ds laca/k esa losZ;j oSY;woj ,.M ykWl vllsj uank ,.M uank ,lksfl,V~l ds ek/;e ls losZ;j izfrosnu izkIr fd;k x;k Fkk ] ftlesa {kfriwfrZ jkf'k :-133810@& ¼,d yk[k rSarhl gtkj vkB lkS nl :i,½ vkadfyr dh xbZ gS A ifjoknh }kjk vR;f/kd c<+k p<+kdj ifjokn izzLrqr fd;k x;k gS A ifjoknh ds }kjk chek ikWfylh dh 'krZ ds :i esa // 6 // of.kZr gk;j ,.M fjokMZ dh 'krZ dk mYya?ku fd;s tkus ds dkj.k chek daiuh fdlh Hkh izdkj ls {kfriwfrZ ds fy, nkf;Rok/khu ugha gS A ifjoknh dk ifjokn lO;; fujLr fd;k tkos rFkk ifjoknh dk ifjokn bl vukosnd ds fo:) fujLr fd;k tkos rFkk ifjoknh dks vukosnd ls :-
10000@& ¼nl gtkj :i,½ crkSj {kfriwfrZ O;; fnyk;k tkos A 04- ifjoknh dh vksj ls vius i{k leFkZu esa fcy fnukad&28-04-2016 dh Nk;kizfr (nLrkost Øekad-1)] fcy fnukad&23-05-2016 dh Nk;kizfr (nLrkost Øekad-2)] fcy fnukad&26-05-2016 dh Nk;kizfr (nLrkost Øekad-3)] fcy fnukad&14-06-2016 dh Nk;kizfr (nLrkost Øekad-4)] fcy fnukad&18-06-2016 dh Nk;kizfr (nLrkost Øekad-5)] fcy fnukad&26-06-2016 dh Nk;kizfr ] (nLrkost Øekad-6)] fcy fnukad& 04-07-2016 dh Nk;kizfr (nLrkost Øekad-7)] fcy fnukad&04-07-2016 dh Nk;kizfr (nLrkost Øekad-8)] fcy fnukad&04-07-2016 dh Nk;kizfr (nLrkost Øekad-9)] fcy fnukad&12-07-2016 dh Nk;kizfr (nLrkost Øekad-10)] uksfVl fnukad&08-09-2016 dh Nk;kizfr ] (nLrkost Øekad-
11)] uksfVle; fnukad&17-10-2016 dh Nk;kizfr ] (nLrkost Øekad-12)] ikorh fnukad&20-10-2016 dk vly (nLrkost Øekad-13)] U;k;ky;hu dFku fnukad&06-12-2016 dh izekf.kr izfrfyfi U;k;ky;hu dFku fnukad&19-06-2017 dh izekf.kr izfrfyfi dks nLrkost ds :i esa izLrqr fd;k x;k gS A // 7 // 05 vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k ,Q-vkbZ-vkj- fnukad&25-03-2016 dh Nk;kizfr (ANX-1)] uks Dyse ysVj fnukad&08-09-2016 dk ewy (ANX -2)] vkj-lh-cqd fnukad&29-04-2016 dk ewy (ANX-3)] Mh-,y-iVhZdwyj dk ewy (ANX-4)] losZ;j uank ,.M uank dk izfrosnu fnukad&28-05-2016 dk ewy (ANX-5)]dks nLrkost ds :i esa izLrqr fd;k gS A 06 ftyk Qksje us mHk;&i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ifjoknh ds ifjokn dks fujLr fd;k gS ] ftlds fo:) ;g vihy gSA 07 vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys vf/koDrk Jh vkbZ-,l-Bkdqj dk ;g rdZ gS fd ifjoknh okgu LdkfiZ;ks ftldk iath;u Øekad&C.G.07 M 6725 gS] dk iathd`r Lokeh gS A ftldk ikWfylh uacj&460300 @31@15@01@00002033 ] fnukad&06-09-2015 ls 05-09-2016 rd dh vof/k ds fy, mRrjoknh@vukosnd ds ikl chfer Fkk A fnukad&25-03-2016 dks ifjoknh vius LokfeRo ds okgu LdkfiZ;ks Øekad&C.G.07 M 6725 esa vius ifjfpr eksgYysoklh fofur panzkdj] foosd panzkdj] fo'kky panzkdj] Jhefr m"kk panzkdj ] jkts'k Bkdqj ] clar dqekj dks ysdj fofur panzkdj ds fookg gsrq dU;k ns[kus ckyksn ls NqbZ[knku x;k Fkk ] NqbZ[knku ls okilh ds le; yxHkx jkf= 9-15 cts [kSjkx<+ ls jktukanxkao ds ekxZ ij in~ek Øs'kj ds ikl igqaps Fks ] mlh le; lkeus xk; vk tkus ls ]mls cpkus ds iz;kl esa okgu // 8 // iyV dj nq?kZVukxzLr gks x;h A mDr nq?kZVuk esa Jhefr m"kk panzkdj ,oa fouhr panzkdj dh e`R;q gks x;h rFkk ifjoknh o vU; lokfj;ksa dks Hkh pksVsa vkbZ Fkha rFkk mDr nq?kZVuk esa ifjoknh ds LokfeRo dk okgu iw.kZr% {kfrxzLr gks x;k ] ftldh lwpuk Fkkuk [kSjkx<+ ] ftyk jktukanxkao }kjk /kkjk&279] 337 o 304 ^v^ Hkk-n-fo- rFkk /kkjk&66@192 eksVj ;ku vf/kfu;e ds varxZr vijk/k iathc) fd;k x;k A nq?kZVuk dh lwpuk chek daiuh dks Hkh fn;k x;k Fkk vkSj okgu ds ejEer~ esa :-
1]90]716@& ¼,d yk[k uCcs gtkj lkr lkS lksyg :i,½ O;; gqvk Fkk A ijarq ] chek daiuh }kjk nkos dks vLohdkj dj fn;k x;k A chek daiuh us bl vk/kkj ij fd okgu dk O;olkf;d iz;kstu dk mi;ksx gqvk Fkk ] nkos dks vLohdkj dj fn;k x;k Fkk vkSj ftyk Qksje us mDr rF;ksa dks ekurs gq, ifjoknh }kjk izLrqr lk{; dks vuns[kh djrs gq, ] vkyksP; vkns'k ikfjr fd;k gS ]tks fd =qfViw.kZ gS A vr% vihykFkhZ@ifjoknh dk vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkos A ifjoknh dks ifjokn&i= esa of.kZrvuqlkj vuqrks"k iznku dh tkos A 08- mRrjoknh@vukosnd dh vksj ls milatkr gksus okys vf/koDrk Jh ih-ds-ikWy dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr gS A ifjoknh ds okgu dk chek izk;osV ikWfylh ds :i esa djk;k Fkk ] tcfd ifjoknh mldk mi;ksx O;olkf;d mn~ns'; ds fy, dj jgk Fkk ] tks izFke lwpuk&i= ntZ djk;k x;k gS] mlesa Li"V :i ls mYysf[kr gS fd // 9 // okgu dks fdjk;s ij fn;k x;k Fkk ] tks fd chek 'krksZa dk mYya?ku gS vkSj ,slh fLFkfr esa ] chek daiuh us nkos dks vLohdkj dj fdlh izdkj dh lsok esa dksbZ deh ugha fd;k gS A ftyk Qksje ds vkns'k esa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS A vr% vihykFkhZ dh vihy fujLr fd;k tkos A mRrjoknh@vukosnd dh vksj ls vius i{k leFkZu esa Rajesh Kumar Vs. National Insurance Company Ltd. & Ors. III (2017) CPJ 214 (NC), National Insurance Co. Ltd. Vs. Meena Aggarwal 2009 ACJ 666 (SC), T. N. Das Vs. Oriental Insurance Co. Ltd. & Ors. IV (2012) CPJ 438 (NC), rFkk bl vk;ksx ds Appeal NO.FA/2017/394 National Insurance Company Ltd. Vs Kishor Parmar Vide Order Dtd 08-09-2017 Appeal NO.FA/2016/777 394 Donald Kulbhushan Bara Vs National Insurance Company Ltd. Vide Order Dtd 26-04-2017 dk voyacu fy;k gS A 09- 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- ifjoknh dk vfHkopu gS fd og okgu LdkfiZ;ks Øekad&C.G.07 M 6725 dk iathd`r Lokeh gS ,oa mDr okgu LdkfiZ;ks fnukad&06-09-2015 ls 05-09-2016 rd ds fy, vukosnd ds ikl chfer Fkk A vukosnd dh vksj ls bl rF; dk [k.Mu ugha fd;k x;k gS vkSj tks Oghdy iVhZdqyj izLrqr fd;k x;k gS ] mlds ifj'khyu ls Li"V gS fd ifjoknh mDr okgu dk iathd`r Lokeh Fkk vkSj okgu vukosnd ds ikl chfer Fkk A // 10 // 11- vukosnd dh vksj ls eq[; vk/kkj ;g fy;k x;k gS fd okgu dks O;olkf;d mn~ns'; ds fy, pyk;k tk jgk Fkk A 12- ifjoknh us eksVj nkok izdj.k Øekad&87@2016 esa xokg fodkl dqekj panzkdj] jkts'k Bkdqj ds dFku dks izLrqr djrs gq, ] ;g crkus dk iz;kl fd;k x;k gS fd okgu dks ifjoknh }kjk vius eksgYys ds fuoklh gksus ds ukrs fn;k Fkk vkSj okgu [kqn ifjoknh pyk jgk Fkk A eksVj nkok izdj.k Øekad&87@2016 esa jkts'k Bkdqj dk tks izfr&ijh{k.k gqvk gS ] fd dafMdk&3 esa crk;k x;k gS fd & ^^ eSa tqj hZi kjk ckyksn esa jgrk gwa A fofur pan zkdj Hkh blh eksg Yys es a jgrk Fkk A ?kVuk ds le; okgu jksf gr lkgw pyk jgk Fkk A jksf gr lkgw Hkh gekjs eks g Yys es a jgrk gS A ;g dguk lgh gS fd eSa jksf gr lkgw vkSj fouhr pan zkdj vkil es a dkQh vPNs fe= gSa A fouhr pan zkdj ds fy, yM+d h ns[ kus ge yksx jksf gr lkgw ds okgu ls Nqb Z[ knku x;s Fks ] tgka ls okil vkrs le; mDr nq? kZV uk ?kfVr gqb Z A ;g dguk lgh gS fd jksf gr lkgw ds okgu dks fouhr pan zkdj us fdjk;s ij ysd j ugha x;k Fkk A ** chek daiuh }kjk izfr&ijh{k.k djus ij c;ku dafMdk&6 esa crk;k gS fd %& ^^;g dguk lgh gS fd iz - ih- 02 o 04 ds v ls v Hkkx ij esj s gLrk{kj gSa A ;g dguk lgh gS fd iqf yl Fkkuk es a es j s }kjk ?kVuk dh tkudkjh fn;k x;k Fkk A ;g dguk lgh gS fd esj s crk;s vuql kj Fkkuk [kSj kx<+ es a fjiksV Z ntZ dh xbZ Fkh A ;g dguk lgh gS fd blds ckn esj s gLrk{kj fy;s x;s Fks A** // 11 // 13- jkts'k Bkdqj us izFke lwpuk&i= fy[kkuk vkSj ml ij gLrk{kj djuk Lohdkj fd;k gS A izFke lwpuk&i= dh dafMdk&12 esa ;g Li"V :i ls mYysf[kr gS fd ^^ eSa ckyksn twj hikjk dk fuoklh gw a is af Vx dk dke djrk gw a vkt fnuka d 25-03-16 dks m"kk pan zkdj ds yM+ d k fouhr pan zk dj ds fy, yM+ d h ns [ kus ds fy, Nqb Z [knku okgu LdkfiZ; ks Øeka d &&lh-th- 07 ,e- 6725 pkyd jksf gr dqe kj lkgw dh xkM+ h dks fdjk;s es a ys d j Jhefr m"kk pan zk dj mlds yM+d k fnyhi pan zkdj eSa rFkk clar Bkdqj ns [ kus ds fy, x, Fks tks ckyksn okil tk jgs Fks yxHkx 9-15 cts jkr dh ckr gS tSl s gh inek Øs' kj ds ikl eksM jktukan xkao tkus ds ekxZ ds ikl igqa p s rHkh LdkfiZ; ks a ds pkyd jksf gr lkgw viuh okgu dks dkQh rst j¶rkj ,oa ykijokghiwo Zd pykrs ys tkdj xk; dks cpkrs cpkrs xkM+h dks iyVk fn;k xkM+ h pkj iyVh [kk;h blh nkSj ku Jhefr m"kk pan zkdj ,oa mldk yM+d k fouhr pan zkdj ,oa eSa xkM+ h ls ckgj fudy x;s ncus ls m"kk pa n zkdj ,oa fouhr pan zkdj dh ekSd s ij gh e`R ;q gks x;h esj s flj ,oa clar ds flj rFkk pkyd jksf gr dqe kj lkgw ds nkfgus gkFk es a pks V vk;h gS A okgu LdkfiZ; ks a dk Ms e st gks x;k gS ] ftldh fjiks V Z djrk gw a tka p dh tkos fjiksV Z i<+ d j ns[ kk tSl s crk;k oSl s fy[kh x;h gS A** 14- izFke lwpuk&i= ds ifj'khyu ls Li"V gS fd okgu dks fdjk;s ij fn;k x;k Fkk vkSj fdjk;s ls okgu pyk jgk Fkk ] tcfd ikWfylh izk;osV Oghdy ds :i esa Fkk A 15- National Insurance Company Limited Vs. Savitri Devi and Others, (2013) 11 SCC 554, esa ekuuh; loksZP; U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 12 // "8. After having gone through the award of the Claims Tribunal and the judgment and order National Insurance Co. Ltd. V. Savitri Devi, FAO No.143 of 2000, decided on 28-7-2005 (HP), passed by the learned Single Judge of the High Court, we are not able to understand as to how it has been found that the appellant Insurance Company can still be held liable to pay the amount of compensation as there has been a categorical finding by both the courts recording that the vehicle in question was insured only as "goods carrying vehicle". The custom of carrying barat in the village on the said truck will not be sufficient to hold the appellant Insurance Company liable to pay the amount of compensation. Admittedly, the appellant Insurance Company would not know unless the accident takes place as to for what purpose the vehicle in question was being used. The terms and conditions of the insurance policy are very clear and categorical and it creates a specific bar on carrying of any passengers, except the employees other than the driver, not exceeding six (6) in number, who should also come under the purview of the Workmen's Compensation Act.
9. The specific case of the claimants was that the barat was being taken in the said open truck on 12-11-1996 when the accident had taken place. Thus, according to us, it clearly violates the terms and conditions of the policy."
16- National Insurance Co. Ltd. Vs. Meena Agrawal 2009 ACJ 666 (SC) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor Insurance - Damage to vehicle - Repudiation of claim - Van was damaged in accident and insured claimed damages - Claim was rejected by insurance company on the ground that driver was not possessing a valid driving licence and the van, a private vehicle insured for personal use, was being used as a taxi for hire - Owner filed complaint before District Forum under Consumer Protection Act which was rejected - State Commission declared the claim as "non-standard", held that there was no fundamental breach of terms of policy and directed the insurance company to pay Rs.90,000 - National Commission held that even though vehicle was being used as a // 13 // commercial vehicle and driver had no valid licence, there was no fundamental breach of terms of policy and dismissed the revision filed by insurance company. Whether insurance company was justified in repudiating the claim - Held : yes."
17- Rajesh Kumar Vs. National Insurance Company Ltd. & Ors. III (2017) CPJ 214 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986- Sections 2 (1) (g), 21 (b)- Insurance- Theft of vehicle- Vehicle used for hire purpose- Violation of policy conditions- Claim repudiated- Deficiency in service- District Forum allowed complaint- State commission allowed appeal- Hence revision- Vehicle was being used as a taxi although it was insured as a private vehicle- Use of vehicle for commercial purpose as a taxi is duly proved- Repudiation justified."
18- S.G. Shivamurtheppa vs Reliance General Insurance Company Limited I (2012) CPJ 175 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor vehicle was registered for carriage of passengers not exceeding to 12 - At time of accident, vehicle was instead carrying 16 persons - There was explicit and admitted violation of condition of insurance policy and so, claim rightly repudiated by Insurance Company. "
19. T. N. Das Vs. Oriental Insurance Co. Ltd. & Ors. IV (2012) CPJ 438 (NC),esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "2. ........ the said vehicle was used for hire or reward at the relevant time and owner of the vehicle had parted away with the possession of the vehicle without intimating the Insurance Company and hence the Insurance Company was not liable to pay any amount by // 14 // way of compensation to the petitioner / complainant on account of damages to the insured vehicle in the road accident. After hearing the parties and considering the documents placed before it, the District Forum agreed with the defence taken by the Insurance Company that the insured vehicle was taken on hire or reward by the Government and dismissed the complaint by the impugned order. As stated above, the State Commission vide its impugned order also upheld the order of the District Forum and dismissed the appeal of the petitioner."
20. Shakeel Ahmed Vs. National Insurance Company Limited, 2015 (2) CPR 568 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "5. The learned counsel for the complainant / petitioner relies upon the decision of the Hon'ble Supreme Court in B.V. Nagaraju vs. Oriental Insurance Company Ltd. (1996) 4 SCC 647, the learned counsel for the respondent relies upon the subsequent decision of the Hon'ble Apex Court in National Insurance Company Limited Vs. Savitri Devi & Others (2013) 11 SCC 554. A perusal of the decision of the Hon'ble Apex Court in B.V. Nagaraju (supra) would show that at the time the vehicle met with an accident, it was carrying not only 9 persons including the driver of the vehicle but also the goods belonging to the persons who were travelling in the vehicle. The fact that the vehicle was carrying only the goods and the owners of those goods clearly shows that primarily it was being used as a goods carrying vehicle and not as a passenger vehicle. The learned counsel for the petitioner draws my attention to para 7 of the decision whether the Hon'ble Apex Court interalia observed that the workmen who were travelling in the vehicle are assumed not to have increased any risk from the point of view of the insurance company on occurring of an accident and therefore, they could not have contributed to the causing of the accident. It was also noticed by the Hon'ble Apex Court that it was not the case of anybody that the driver was responsible for the accident. In Savitri Devi (supra) it was found that a barat was being carried in the vehicle which had been registered as a goods vehicle.
// 15 // Allowing the appeal filed by the Insurance Company, the Hon'ble Apex Court interalia noted that the Insurance Company would not know unless the accident takes place as to what purpose the vehicle in question was being used. It was further observed that the terms and conditions of the policy were clear and categorical and created a specific bar on carrying the passenger except the employees othe than the persons not exceeding 6 in number. It would thus be seen that in Savitri Devi (supra), only passengers were found travelling in the vehicle at the time it met with an accident, whereas in B.V. Nagaraju (supra), goods were also found loaded in the vehicle and the passengers travelling in the said vehicles were none other than the owners of those goods. Therefore, in Savitri Devi (supra), the complainant was being used predominantly for carrying passengers at the time it met with an accident whereas it was being used primarily for carrying goods in B.V. Nagaraju (supra) when it met with the accident."
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