State Consumer Disputes Redressal Commission
Reliance Gen. Ins. Co Ltd. vs Devendra Jain on 26 May, 2022
jkT; miHkksDrk vk;ksx] jktLFkku lfdZV cSap] mn;iqj&jkt0 fjyk;Ul tujy bU";ksjsUl da- fy] fo : ) nsosUnz tSu firk ekaxhyky]xkSre uxj] izrkix<+ vihy la[;k % 130@2016 fu.kZ; fnukad % 26-05-2022 jkT; miHkksDrk fookn izfrrks'k vk;ksx] jktLFkku lfdZV cSap] U;k;ky; ifjlj] mn;iqj&jkt0 le{k % ekuuh; Jh lqjsUnz dqekj tSu] ihBklhu lnL; ¼U;kf;d½ Jh "kSysUnz HkV~V] lnL;
fjyk;Ul tujy bU";ksjsUl dEiuh fyfeVsM] esdj VkWoj lSd.M Q~yksj] fuR;kuUn uxj] DohUl jksM] oS"kkyh uxj] t;iqj tfj;s eSustj ¼DysEl½ &&vihykFkh@foi{kh la[;k&2 fo : ) Jh nsosUnz tSu firk ekaxhyky tSu] fuoklh xkSre uxj] izrkix<+&jkt0+ && &&izR;FkhZ@ifjoknh vihy la[;k % 130@2016 vihy vUrxZr /kkjk 15 miHkksDrk laj{k.k vf/kfu;e 1986 fo:) ftyk miHkksDrk fookn izfrrks'k vk;ksx] izrkix<+&jkt0 ds fu.kZ; fnukad 13-05-2016] ifjokn izdj.k dzekad 44@2015 cmuoku nsosUnz tSu cuke fl)kFkZ iksjoky vf/kd`r chek ,ts.V o fjyk;Ul tujy bU";ksjsUl dEiuh fy0 A mifLFkr % vihykFkhZ@foi{kh la[;k 2 dh vksj ls Jh ";ke lqUnj "kekZ o mes"k "kekZ] vf/koDrk izR;FkhZ@ifjoknh dh vksj ls Jh xksiky d`'.k lq[koky] vf/koDrk A }kjk % Jh lqjsUnz dqekj tSu] ihBklhu lnL; ¼U;kf;d½ fu .kZ ; fnukad % 26-05-2022
- vihykFkhZ@ foi{kh la[;k&2 us ifjoknh@ izR;FkhZ ds fo:) ;g vihy fo}ku ftyk miHkksDrk fookn izfrrks'k eap] ¼orZeku esa vk;ksx½ izrkix<+& + jkt0+ ds }kjk ifjokn izdj.k dzekad 44@2015 cmuoku nsosUnz tSu cuke fl)kFkZ iksjoky vf/kd`r chek ,ts.V o fjyk;Ul tujy bU";ksjsUl dEiuh fy0 esa ikfjr fu.kZ; fnukad 13-05-2016 ds fo:) izLrqr dh gS ftlds }kjk mUgksaus ifjoknh@izR;FkhZ dk ifjokn i= Lohdkj dj fy;k gS A 2- mHk;i{k dh cgl lquh xbZ ,oa i=koyh dk voyksdu fd;k x;kA 1 jkT; miHkksDrk vk;ksx] jktLFkku lfdZV cSap] mn;iqj&jkt0 fjyk;Ul tujy bU";ksjsUl da- fy] fo : ) nsosUnz tSu firk ekaxhyky]xkSre uxj] izrkix<+ vihy la[;k % 130@2016 fu.kZ; fnukad % 26-05-2022 3- gLrxr izdj.k esa ;g rF; fufoZokfnr gS fd ifjoknh@izR;FkhZ dh eksVj lkbfdy vihykFkhZ@ foi{kh la[;k 2 chek dEiuh ds ;gkWa chfer Fkh rFkk chek vof/k esa gh fnukad 10-06-2014 dks ifjoknh dh eksVj lkbfdy pksjh gks xbZ A vihykFkhZ@foi{kh la[;k 2 chek dEiuh us ifjoknh dk chek nkok bl vk/kkj ij vLohdkj dj fn;k fd ifjoknh us rhu fnu ckn iqfyl esa fjiksVZ ntZ djokbZ rFkk ?kVuk ds 102 fnu ckn chek dEiuh dks lwfpr fd;k A fo}ku ftyk miHkksDrk vk;ksx us mHk;i{k dh cgl lqudj ifjokn i= Lohdkj dj fy;k ftlls O;fFkr gksdj ;g vihy izLrqr dh xbZ gS A 4- fnukad 10-06-2014 dks pksjh dh ?kVuk gksus ij ifjoknh ds vuqlkj og iqfyl Fkkus esa fjiksVZ djus x;k Fkk] fdUrq iqfyl okyksa ds }kjk ;g dgk x;k fd igys vius Lrj ij okgu dh ryk"kh dh tkos A okgu ugha feyus ij iqfyl ds }kjk fnukad 13-06-2014 dks fjiksVZ ntZ dj yh xbZ gS A ifjoknh us Lo;a rFkk ";keyky ,oa fodkl ds "kiFk i= ls ;g lkfcr fd;k gS fd ifjoknh iqfyl esa fjiksVZ djkus x;k Fkk rc ml le; iqfyl ds }kjk okgu ryk"k djus dh ckr dgha xbZ Fkh A bl izdkj gLrxr ekeys esa ifjoknh us rhu fnu nsjh ls iqfyl esa fjiksVZ ntZ gksus dk i;kZIr Li'Vhdj.k ns fn;k gS A 5- vihykFkhZ@foi{kh la[;k&1 chek dEiuh us ekuuh; jk'Vªh; vk;ksx ds U;kf;d n`'VkUr II (2015) CPJ 469 (NC) tfrUnj flag o vU; cuke nh vksfj,.Vy ba";ksjsUa l dEiuh o vU; rFkk I (2016) CPJ 450 (NC) us"kuy ba";ksjsUl dEiuh cuke Jo.k flag izLrqr fd;s gSa] ftuesa ;|fi ;g ekuk x;k gS fd chek dEiuh dks nsjh ls lwpuk fn;k tkuk chek ikWfylh dh "krksZa dk mYya?ku gS] fdUrq ekuuh; loksZPp U;k;ky; us vius U;kf;d n`'VkUr 2017 ,l0,0vkj0 ¼flfoy½ 1149 flfoy vihy uacj 15611@2017] vkse izdk"k cuke fjyk;Ul tujy bU";ksjsUl fu.kZ; fnukad 04-10-2017 esa ;g ekuk gS fd ;fn ifjoknh ds }kjk nsjh ls fjiksVZ ntZ djkus dk Li'Vhdj.k ns fn;k tkrk gS rc nsjh ls chek dEiuh dks lwpuk fn;s tkus ds rduhdh vk/kkj ij chek nkok vLohdkj ugha fd;k tkuk pkfg, A mlds i"pkr~ ekuuh; loksZPp U;k;ky; us vius U;kf;d n`'VkUr flfoy vihy uacj 653@2020 2 jkT; miHkksDrk vk;ksx] jktLFkku lfdZV cSap] mn;iqj&jkt0 fjyk;Ul tujy bU";ksjsUl da- fy] fo : ) nsosUnz tSu firk ekaxhyky]xkSre uxj] izrkix<+ vihy la[;k % 130@2016 fu.kZ; fnukad % 26-05-2022 xqjf"kUnj flag cuke Jhjke tujy bU";ksjsUl dEiuh fu.kZ; fnukad 24-01-2020 esa Hkh ;g vfHkfu/kkZfjr fd;k gS fd nsjh ls lwpuk fn;s tkus ds vk/kkj ij chek nkok vLohdkj ugha fd;k tkuk pkfg,] bls rduhdh vk/kkj ij vLohdkj fd;k tkuk ekuk tkosxk A 6- ekuuh; loksZPp U;k;ky; ds mijksDr U;kf;d n`'VkUrksa ds vk/kkj ij ge ;g ikrs gSa fd chek dEiuh dks nsjh ls lwpuk fn;k tkuk ?kkrd ugha gSa A gLrxr izdj.k esa foi{kh chek dEiuh dk ;g dguk ugha gS fd pksjh dh ?kVuk lafnX/k jgh gks A iqfyl ds }kjk Hkh vuqla/kku esa ;g ugha ekuk x;k gS fd pksjh dh ?kVuk lafnX/k gks A bl izdkj tc pksjh dh ?kVuk lafnX/k ugha gS rFkk rhu fnu ckn iqfyl esa fjiksVZ ntZ djk nh xbZ gS] nsjh dk Hkh Li'Vhdj.k fn;k x;k gS rc fQj mlds i"pkr~ ;fn nsjh ls Hkh chek dEiuh dks lwpuk nh tkrh gS rc rduhdh vk/kkj ij chek nkok vLohdkj ugha fd;k tkuk pkfg, A gLrxr izdj.k esa ;|fi ifjoknh@izR;FkhZ us ;g Hkh LFkkfir fd;k gS fd mlus ?kVuk dh lwpuk vihykFkhZ@foi{kh la[;k 2 chek dEiuh ds ,ts.V foi{kh la[;k 1 dks ns nh Fkh rFkk leLr nLrkostkr Hkh ns fn;s Fks A bl rF; dk [k.Mu foi{kh la[;k 1 chek ,ts.V ds }kjk ugha fd;k x;k gS A vihykFkhZ@foi{kh la[;k 2 chek dEiuh ds }kjk Hkh ;g ugha crk;k x;k gS fd ifjoknh us fdl ek/;e ls mUgsa lwpuk nh A bl izdkj gLrxr izdj.k esa nsjh ls chek dEiuh dks lwpuk fn;k tkuk Hkh lkfcr ugha gS] fdUrq ;g ik;k tkrk gS fd ;fn nsjh ls lwpuk fn;k tkuk Hkh ekuk tkos] rc Hkh ekuuh; loksZPp U;k;ky; ds mijksDr U;kf;d n`'VkUrksa ds vk/kkj ij ge ;gh ikrs gSa fd vihykFkhZ@foi{kh la[;k 2 chek dEiuh ds }kjk nsjh ls lwpuk fn;s tkus ds vk/kkj ij tks chek nkok vLohdkj fd;k gS] og lsoknks'k gS A fo}ku ftyk miHkksDrk vk;ksx] izrkix<+&jkt0 us mHk;i{k dh cgl lqudj lgh rkSj ij ifjokn&i= Lohdkj fd;k gS] ftlesa dksbZ =qfV ugha gS A Qyr% ;g vihy [kkfjt fd;s tkus ;ksX; gS A 3 jkT; miHkksDrk vk;ksx] jktLFkku lfdZV cSap] mn;iqj&jkt0 fjyk;Ul tujy bU";ksjsUl da- fy] fo : ) nsosUnz tSu firk ekaxhyky]xkSre uxj] izrkix<+ vihy la[;k % 130@2016 fu.kZ; fnukad % 26-05-2022 vk ns "k
- vihykFkhZ@ foi{kh la[;k&2 chek dEiuh ds }kjk ifjoknh@izR;FkhZ ds fo:) izLrqr ;g vihy [kkfjt dh tkrh gS A fo}ku ftyk miHkksDrk fookn izfrrks'k vk;ksx izrkix<+&jkt0 }kjk ifjokn izdj.k dzekad 44@2015 cmuoku nsosUnz tSu cuke fl)kFkZ iksjoky vf/kd`r chek ,ts.V o fjyk;Ul tujy bU";ksjsUl dEiuh fy0 esa ikfjr vk{ksfir fu.kZ; fnukad 13-05-2016 iq'V fd;k tkrk gS A ¼"kSysUnz HkV~V½ ¼lqjsUnz dqekj tSu½ lnL; ihBklhu lnL;
4