State Consumer Disputes Redressal Commission
Shiv Prakash Gupta vs The Oriental Insurance Co.Ltd on 25 May, 2016
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh lat; frokjh] vf/koDrkA mRrjoknhx.k dh vksj ls Jh eukst izlkn] vf/koDrkA vkns'k fnukad% 25@05@2016 }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] dkfj;k] cSdq.Biqj ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&22@2015 f'koizdk'k xqIrk fo:} fn vksfj,.Vy ba';ksjsal daiuh fyfeVsM ,oa ,d vU; esa ikfjr vkns'k // 2 // fnukad&03-11-2015 ftlds }kjk vihykFkhZ@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 vihykFkhZ@ifjoknh okgu dzekad&lh-th- 16 ,@1825 dk Lokeh gS ftls og isVªksfy;e izksMDV ifjogu djus gsrq dz; fd;k Fkk vkSj mDr okgu dk chek [email protected] ls djk;k Fkk ftldk ikWfylh dzekad&191491@31@2014@1099 gS tks fnukad&30-08- 2013 ls 29-08-2014 dh e/; jkf= rd ds fy, laiw.kZ {kfr gsrq chfer FkkA vihykFkhZ@ifjoknh dk okgu fnukad&08-01-2014 dks VSadj [kkyh djus yksM ysdj tk jgk Fkk fd rkjikasxh ds ikl VSd a j dk cSysal fcxM+us ds dkj.k isM+ ls Vdjkus ds dkj.k {kfrxzLr gks x;k Fkk ftldh Fkkuk esa f'kdk;r ntZ djkbZ xbZ FkhA mDr nq?kZVuk esa fdlh izdkj dh tu laca/kh {kfr dkfjr ugha gqbZ Fkh ysfdu okgu cqjh rjg {kfrxzLr gks x;k Fkk ftls cuokus esa vihykFkhZ@ifjoknh dks 7]30]059@&¼lkr yk[k rhl gtkj mulB :Ik;s½ dk Hkqxrku djuk iM+kA mijksDr ?kVuk dh f'kdk;r lfgr nq?kZVuk chek/ku jkf'k ds Hkqxrku ckor~ vkosnu&i= chek dk;kZy; dks izsf"kr fd;k x;k ftlds ifjikyu esa chek dk;kZy; }kjk fnukad&04-06- 2014 dks izsf"kr dj yksM pkyku fjiksVZ o ejEer fcy ds u;s lkeku dk fcy laca/kh nLrkost dh ekax dh xbZ ftls vihykFkhZ@ifjoknh }kjk izLrqr fd;k tk pqdk gS rFkk fnukad&23-05-2014 dks ,d vkSj i= izsf"kr dj VSDl yksM pkyku o ejEer fcy laca/kh nLrkost dh ekax dh xbZ ftls vihykFkhZ@ifjoknh }kjk fnukad&20-01-2014 dks fn;k tk pqdk FkkA vihykFkhZ@ifjoknh }kjk vius okgu dks dz; djrs le; Jhjke tujy ba';ksjsal daiuh ls chek iwoZ esa djk;k Fkk ysfdu mDr chek daiuh dk dke Bhd ugha gksus ds dkj.k vihykFkhZ@ifjoknh }kjk viuh okgu vksfj,.Vy ba';ksjsal daiuh ls chek djk;k FkkA fnukad&11-08-2014 dks chek daiuh }kjk i= izsf"kr dj bl vk'k; dh tkudkjh nh xbZ Fkh NCB // 3 // 35% fn;k x;k Fkk tcfd iwoZ chek daiuh }kjk fdlh izdkj dh uk {kfriwfrZ fn;k x;k gS vkSj uk gh fdlh izdkj dk Dyse vihykFkhZ@ifjoknh }kjk Hkqxrku izkIr fd;k x;k gSA vihykFkhZ@ifjoknh }kjk [email protected] ls vkdfLed nq?kZVuk ls mRiUu vkfFkZd {kfr dks fuokfjr djus ds fy, chek djk;k x;k Fkk ijUrq [email protected] chek daiuh }kjk fcuk fdlh iq"V vk/kkj ds dkYifud vk/kkj ij nkok fujLr fd;k x;k gS tcfd nq?kZVuk fnukad dks okgu chfer FkhsA [email protected] }kjk vihykFkhZ@ifjoknh ds }kjk lHkh vko';d izi= miyC/k djkus ds mijkar Hkh fcuk fdlh mfpr dkj.k ds vihykFkhZ@ifjoknh dk nkok fujLr dj lsok esa deh ,oa O;kolkf;d dnkpj.k fd;k gS ftlds dkj.k vihykFkhZ@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 vihykFkhZ@ifjoknh us nq?kZVukxzLr okgu dzekad&lh-th- 16,@1825 ds uohuhdj.k ds le; 35 izfr'kr ,u- lh- ch- ¼uks Dyse cksul½ fn vksfj,.Vy ba';ksjsal daiuh fyfeVsM ls izkIr fd;k gS tcfd mDr okgu iwoZ esa Jhjke tujy ba';ksjsal daiuh izk- fyfeVsM esa nkok ntZ fd;k x;k gSA nq?kZVuk ds laca/k esa vihykFkhZ@ifjoknh us uohuhdj.k djrs le; bl vk'k; dh lwpuk fn vksfj,.Vy ba';ksjsal daiuh fyfeVsM dks ugha fn;k gSA bl izdkj vihykFkhZ@ifjoknh us lgh rF;ksa dks fNikdj ,u- lh- ch- ¼uks Dyse cksul½ dk ykHk izkIr fd;k gS tks chek 'krksZa dk Li"V mYya?ku gS ftlds dkj.k dksbZ nkok ns; ugha gSA vihykFkhZ@ifjoknh us chek ikWfylh ysrs le; lgh rF;ksa dks fNikrs gq, pkykdhiwoZd ikWfylh izkIr fd;k gS tks chek 'krksZa dk mYya?ku gSA ,slh fLFkfr essa chek daiuh dh {kfriwfrZ ds laca/k esa dksbZ ftEesnkjh ugha curh gS rFkkfi ;fn U;k;ky; fopkj.k // 4 // Ik'pkr~ bl vafre fu"d"kZ ij igaqprh gS fd chek 'krksZa dk mYya?ku ugha gS rks losZ;j ,.M ykWl vlslj f=ykspu ,l- VqVstk dh vafre losZ fjiksVZ fnukad&02-05-2014 ds vuqlkj lkYost jcj vk;Ve] Xykl vk;Ve dh fu;ekuqlkj dVkSrh Ik'pkr~ fu/kkZfjr 1]56]900@&¼,d yk[k NIiu gtkj ukS lkS :Ik;s½ ds Hkqxrku laca/kh vkns'k fn;k tkuk U;k;ksfpr gksxkA mRrjoknh dz-1@vukosnd dz-1 us vius i= fnukad&11-08-2014 esa vihykFkhZ@ifjoknh ls ,u- lh- ch- ¼uks Dyse cksul½ ds laca/k esa Li"Vhdj.k ekaxk gSA mRrjoknh dz-1@vukosnd dz-1 us vihykFkhZ@ifjoknh dks iathd`r i= fnukad&30-12-2014 izsf"kr dj nkok fujLr djus dh fof/kor~ lwpuk fn;k gSA vihykFkhZ@ifjoknh dk nkok {ks=kf/kdkj o okn dkj.k ds vHkko esa Hkh izFke n`"V;k fujLr fd;s tkus ;ksX; gSA vihykFkhZ@ifjoknh dk okgu fnukad&08-01-2014 dks rkjiksaxh jk;iqj easa nq?kZVukxzLr gqvk gS] ,slh fLFkfr esa vihykFkhZ@ifjoknh dk nkok ftyk Qksje ds le{k lquokbZ ;ksX; ugha gSA vihykFkhZ@ifjoknh us mRrjoknh dz-1@vukosnd dz-1 dks ukgd gtsZ o [kpsZ esa Mkyus ds fy, ;g ifjokn izLrqr fd;k gSA vr% vihykFkhZ@ifjoknh dk ifjokn 5]000@&¼ikap gtkj :Ik;s½ {kfriwjd O;; fnykrs gq, fujLr fd;k tkosA 04- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd vihykFkhZ@ifjoknh dk ekeyk ftyk Qksje ds {ks=kUrxZr okn dkj.k mRiUu ugha gksus ls izFke n`"V;k gh fujLr fd;s tkus ;ksX; gSA vihykFkhZ@ifjoknh dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vihykFkhZ@ifjoknh us nq?kZVukxzLr okgu dzekad&lh-th- 16,@1825 ds uohuhdj.k ds le; 35 izfr'kr ,u- lh- ch- ¼uks Dyse cksul½ fn vksfj,.Vy ba';ksjsal daiuh fyfeVsM ls izkIr fd;k gS tcfd mDr okgu iwoZ esa Jhjke tujy ba';ksjsal daiuh izk- fyfeVsM esa nkok ntZ fd;k x;k gSA nq?kZVuk ds laca/k esa vihykFkhZ@ifjoknh us uohuhdj.k djrs le; bl // 5 // vk'k; dh lwpuk fn vksfj,.Vy ba';ksjsal daiuh fyfeVsM dks ugha fn;k gSA bl izdkj vihykFkhZ@ifjoknh us lgh rF;ksa dks fNikdj ,u- lh- ch- ¼uks Dyse cksul½ dk ykHk izkIr fd;k gS tks chek 'krksZa dk Li"V mYya?ku gS ftlds dkj.k dksbZ nkok ns; ugha gSA vihykFkhZ@ifjoknh us chek ikWfylh ysrs le; lgh rF;ksa dks fNikrs gq, pkykdhiwoZd ikWfylh izkIr fd;k gS tks chek 'krksZa dk mYya?ku gSA ,slh fLFkfr essa chek daiuh dh {kfriwfrZ ds laca/k esa dksbZ ftEesnkjh ugha curh gS rFkkfi ;fn U;k;ky; fopkj.k Ik'pkr~ bl vafre fu"d"kZ ij igaqprh gS fad chek 'krksZa dk mYya?ku ugha gS rks losZ;j ,.M ykWl vlslj f=ykspu ,l- VqVstk dh vafre losZ fjiksVZ fnukad&02-05-2014 ds vuqlkj lkYost jcj vk;Ve] Xykl vk;Ve dh fu;ekuqlkj dVkSrh Ik'pkr~ fu/kkZfjr 1]56]900@&¼,d yk[k NIiu gtkj ukS lkS :Ik;s½ ds Hkqxrku laca/kh vkns'k fn;k tkuk U;k;ksfpr gksxkA vihykFkhZ@ifjoknh ,d O;olk;h gS rFkk mlus O;kolkf;d iz;kstu gsrq okgu dzekad&lh-th-16,@1825 VSadj dk chek djk;k FkkA pwafd O;kolkf;d iz;kstu esa ?kVuk fnukad dks okgu dk iz;ksx fd;k tk jgk Fkk blfy, ;g fookn ftyk Qksje ds {ks=kf/kdkj ds ckgj gks tkrk gS vkSj vihykFkhZ@ifjoknh] miHkksDrk laj{k.k vf/kfu;e ds varxZr **miHkksDrk** dh Js.kh esa ugha vkrk gSA mRrjoknh dz-1@vukosnd dz-1 us vius i= fnukad&11-08-2014 esa vihykFkhZ@ifjoknh ls ,u- lh- ch- ¼uks Dyse cksul½ ds laca/k esa Li"Vhdj.k ekaxk gSA mRrjoknh dz-1@vukosnd dz-1 us vihykFkhZ@ifjoknh dks iathd`r i= fnukad&30-12-2014 izsf"kr dj nok fujLr djus dh fof/kor~ lwpuk fn;k gSA vihykFkhZ@ifjoknh dk nkok {ks=kf/kdkj o okn dkj.k ds vHkko esa Hkh izFke n`"V;k fujLr fd;s tkus ;ksX; gSA vihykFkhZ@ifjoknh dk okgu fnukad&08-01-2014 dks rkjiksaxh jk;iqj easa nq?kZVukxzLr gqvk gS] ,slh fLFkfr esa vihykFkhZ@ifjoknh dk nkok ftyk Qksje ds le{k lquokbZ ;ksX; ugha gSA vr% vihykFkhZ@ifjoknh dk ifjokn 5]000@&¼ikap gtkj :Ik;s½ {kfriwjd O;; fnykrs gq, fujLr fd;k tkosA // 6 // 05- vihykFkhZ@ifjoknh dh vksj +ls vius i{k leFkZu esa ftyk Qksje ds le{k lfVZfQdsV vkWQ jftLVªs'ku (Annexure A-1)] vihykFkhZ@ifjoknh }kjk eSustj] fn vksfj,.Vy ba';ksjasl daiuh fyfeVsM] vfEcdkiqj dks Dyse ds laca/k esa izsf"kr i= (Annexure A-2)] jkts'k fe=k] eSustj }kjk Fkkuk izHkkjh] iqfyl Fkkuk] /kjlhoka ftyk jk;iqj dks okgu nq?kZVuk dh lwpuk nsus gsrq izsf"kr i= fnukad&08-01-2014 (Annexure A-3)] chek ikWfylh (Annexure A-4)] [email protected] }kjk vihykFkhZ@ifjoknh dks izsf"kr i= fnukad&28-05-2014 (Annexure A-5)] [email protected] }kjk vihykFkhZ@ifjoknh dks izsf"kr i= fnukad&04-06-2014 (Annexure A-6)] [email protected] }kjk vihykFkhZ@ifjoknh dks izsf"kr i= fnukad&11-08-2014 (Annexure A-7)] [email protected] }kjk vihykFkhZ@ifjoknh dks izsf"kr i= fnukad&30-12-2014 (Annexure A-8) rFkk Jh jke ykWftfLVd dk fcy fnukad&20-01-2014 (Annexure A-9) dh QksVks dkih izLrqr fd;k gSA 06- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k Jhjke tujy ba';ksjsal daiuh }kjk vihykFkhZ@ifjoknh dks izsf"kr i= fnukad&10-09-2013 (Annexure D-1)] Jhjke tujy ba';ksjsal daiuh }kjk tkjh ikWfylh (Annexure D-2)] vihykFkhZ@ifjoknh }kjk eSustj] fn vksfj,.Vy ba';ksjsal daiuh fyfeVsM dks izsf"kr i= (Annexure D-3)] [email protected] }kjk vihykFkhZ@ifjoknh dks izsf"kr i= fnukad&11-08-2014 (Annexure A-4)] [email protected] }kjk Jhjke tujy ba';ksjsal daiuh fyfeVsM dks izsf"kr i= fnukad&02-09-2013 (Annexure D-5)] chek ikWfylh (Annexure A-6)] Jhjke tujy ba';ksjsal daiuh fyfeVsM }kjk tkjh chek ikWfylh (Annexure D-7)] losZ;j fjiksVZ (Annexure D-8)] eksVj nkok izi= (Annexure D-9) dh QksVks dkih izLrqr fd;k gSA // 7 // 07- ftyk Qksje us mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{; ds ifj'khyu Ik'pkr~ vkns'k ikfjr djrs gq, vihykFkhZ@ifjoknh ds ifjokn dks fujLr fd;k gS ftlds fo:} ;g vihy gSA 08- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh lat; frokjh dk ;g rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA ftyk Qksje }kjk mlds le{k izLrqr nLrkostksa dk leqfpr :Ik ls fcuk ifj'khyu fd, vkyksP; vkns'k ikfjr fd;k x;k gS vkSj =qfViw.kZ :Ik ls fu/kkZfjr djrs gq, fd vihykFkhZ@ifjoknh **miHkksDrk** ugha gS rFkk okLrfod rF;ksa dks fNik;k gS] ifjokn dks fujLr dj fn;k gSA vihykFkhZ@ifjoknh }kjk fdlh izdkj ds rF;ksa dks fNik;k ugha x;k gSA okgu dks Qk;usal djkdj dz; fd;k FkkA vihykFkhZ@ifjoknh us iwoZ ds chek ikWfylh ds rF; dks ugha fNik;k Fkk vkSj u gh rF; dks fNikdj chek Dyse cksul ds :Ik easa izkIr fd;k gSA vihykFkhZ@ifjoknh us iwoZ esa Jhjke tujy ba';ksjsal daiuh fyfeVsM ls chek djk;k x;k Fkk] bldh tkudkjh nh xbZ gS vkSj ;g tkudkjh nh xbZ Fkh fd ,u- lh- ch- ¼ uks Dyse cksul½ ds varxZr jde izkIr fd;k gSA mlds ckn Hkh ftyk Qksje us vihykFkhZ@ifjoknh dk ifjokn fujLr fd;k gS tks fd =qfViw.kZ gSA vr% vihykFkhZ@ifjoknh dh vihy Lohdkj fd;k tkosA 09- [email protected] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh eukst izlkn dk ;g rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% fof/k lEer gS vkSj mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA vihykFkhZ@ifjoknh us Jhjke tujy ba';ksjsal daiuh fyfeVsM ls chek laca/kh rF;ksa dks fNik;k gS vkSj [email protected] ls ,u- lh- ch- ¼uks Dyse cksul½ izkIr fd;k gSA tcfd vihykFkhZ@ifjoknh }kjk Jhjke tujy ba';ksjsal daiuh // 8 // fyfeVsM esa nkok ntZ fd;k x;k gS vkSj vihykFkhZ@ifjoknh ds }kjk ikWfylh uohuhdj.k djkrs le; bl rF; dks [email protected] ba';ksjsal daiuh ds le{k izdV ugha fd;k gS vkSj bl izdkj rF;ksa dks fNikdj ikWfylh izkIr fd;k gS rFkk vihykFkhZ@ifjoknh ds ikl dbZ Vªdas gSa ftudk mi;ksx og O;kolkf;d iz;kstu ds fy, dj jgk Fkk] blfy, vihykFkhZ@ifjoknh **miHkksDrk** ugha gS vkSj ftyk Qksje us bl laca/k esa tks fu"d"kZ fudkyk gS] og iw.kZr% mfpr gSA vr% vihykFkhZ@ifjoknh dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 10- 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 11- ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&10 esa ;g crk;k gS fd **orZeku esa ifjoknh lkykuk 10]00]000@&¼nl yk[k :Ik;s½ dk izhfe;e nsdj leLr okguksa dk chek djk;s tkus dh ckr mYysf[kr fd;k gSA ,slh fLFkfr esa miHkksDrk laj{k.k vf/kfu;e] dh /kkjk&2 ¼?k½ ¼ii½ fojks/kh i{kdkj ls chek lsok O;kolkf;d iz;kstu ls izkIr fd;k gSA og Lo;a ifjoknh }kjk fd;s x;s chek nkok izi= Mh&09 ls Li"V gksrk gSA mleas Hkh ifjoknh us chek djk;s x;s okgu ds iz;kstu dks dkef'kZ;y mi;ksx gksuk crk;k gS** rFkk dafMdk&12 esa ;g fu/kkZfjr fd;k gS fd **ifjoknh ds }kjk izLrqr ifjokn vuqlkj ifjoknh Lo;a us viuh O;kolkf;d okgu dk chek djk;k gS** blfy, vihykFkhZ@ifjoknh **miHkksDrk** dh Js.kh esa ugha vkrk gSA 12- ftyk Qksje us tks fu"d"kZ fn;k gS fd vihykFkhZ@ifjoknh **miHkksDrk** ugha gS] og fu"d"kZ =qfViw.kZ gS vkSj Lohdkj fd;s tkus ;ksX; ugha gSA // 9 // 13- miHkksDrk laj{k.k vf/kfu;e] 1986] dh /kkjk&2 ¼1½ ¼Mh½ esa miHkksDrk dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj & ¼?k½ **miHkksDrk** ls ,slk dksbZ O;fDr vfHkizsr gS] tks& ¼i½ fdlh ,sls izfrQy ds fy, ftldk lank; fd;k x;k gS ;k opu fn;k x;k gS ;k Hkkxr% lank; fd;k x;k gS] vkSj Hkkxr% opu fn;k x;k gS ;k fdlh vkLFkfxr lank; dh i}fr ds v/khu fdlh eky dks dz; djrk gS] vkSj blds vUrxZr ,sls fdlh O;fDr ls fHkUu] tks ,sls izfrQy ds fy, ftldk lank; fd;k x;k gS ;k opu fn;k x;k gS ;k Hkkxr% lank; fd;k x;k gS ;k Hkkxr% opu fn;k x;k gS ;k vkLFkfxr lank; dh i}fr ds v/khu eky dks dz; djrk gS ;k ,sls eky dk dksbZ iz;ksxdrkZ Hkh gS] tc ,slk iz;ksx ,sls O;fDr ds vuqeksnu ls fd;k tkrk gS fdUrq blds vUrxZr ,slk dksbZ O;fDr ugha gS tks ,sls eky dks iqu% fodz; ;k fdlh okf.kfT;d iz;kstu ds fy, vfHkizkIr djrk gS] vkSj ¼ii½ fdlh ,sls izfrQy ds fy, ftldk lank; fd;k x;k gS ;k opu fn;k x;k gS ;k Hkxr% lank; fd;k x;k gS vkSj Hkkxr% opu fn;k x;k gS] ;k fdlh vkLFkfxr lank; dh i}fr ds v/khu lsokvksa dks [HkkM+s ij ysrk gS ;k miHkksx djrk gS] vkSj blds vUrxZr ,sls fdlh O;fDr ls fHkUu tks ,sls fdlh izfrQy ds fy, ftldk lank; fd;k x;k gS vkSj opu fn;k x;k gS vkSj Hkkxr% lank; fd;k x;k gS vkSj Hkkxr% opu fn;k x;k gS ;k fdlh vkLFkfxr lank; dh i}fr ds v/khu lsokvksa dks [HkkM+s ij ysrk gS ;k miHkksx djrk gS] ,slh lsokvksa dk dksbZ fgrkf/kdkjh Hkh gS tc ,slh lsokvksa dk mi;ksx izFke of.kZr O;fDr ds vuqeksnu ls fd;k tkrk gS [fdUrq blesa ,slk O;fDr 'kkfey ugha gS] tks // 10 // fdlh okf.kfT;d iz;kstu ds fy, ,slh lsok izkIr djrk gSA] Li"Vhdj.k & [bl [k.M ds iz;kstuksa ds fy, **okf.kfT;d mn~ns';** esa Lojkstxkj lk/ku }kjk mlds vkthfodk miktZu ds ,dek= mn~~ns'; ds fy, mlds }kjk dz; fd, x;s vkSj mi;ksx fd, x;s eky vkSj mlds }kjk izkIr lsok ds O;fDr }kjk iz;ksx 'kkfey ugha gSA] 14- miHkksDrk laj{k.k vf/kfu;e] 1986] dh /kkjk&2 (1) (o) esa lsok dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj & **¼ o½ **lsok** ls fdlh Hkh o.kZu dh dksbZ lsok vfHkizsr gS tks mlds izR;kf'kr 1{iz;ksxdrkZvksa dks miyC/k djkbZ tkrh gS vkSj blds vUrxZr lfEefyr gS} cSaddkjh] foRriks"k.k] chek] ifjogu] izlaLdj.k] fo|qr ;k vU; mtkZ ds iznk;
2cksMZ ;k fuokl ;k nksuksa] {x`g fuekZ.k]} euksjatu] vkeksn&izeksn ;k lekpkjksa ;k vU; tkudkjh igaqpkus ds laca/k esa lqfo/kkvksa dk izca/k Hkh gS] fdUrq ;g bl izko/kkuksa rd lhfer ugha gS ijUrq blds vUrxZr fu%'kqYd ;k O;fDrxr lsok lafonk ds v/khu lsok dk fd;k tkuk 'kkfey ugha gS;** 15- The Divisional Manager, L.I.C. vs. Shri Bhavanam Srinivas Reddy, 1991 (2) CPR 144 (NC), Eksa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. The first point of objection raised by the Insurance Company before the State Commission and reiterated before us namely is that no dispute arising out of a contract of insurance can be made subject // 11 // matter of adjudication under the Consumer Protection Act. This contention cannot be sustained in view of decision of this Commission dated July 28, 1989 in Shri Umedilal Aggarwal v. United India Assurance Company Ltd., F.A. Nos.3 and 4 of 1989 (Reported in I (1991) CPJ-3, 1991 (1) CPR 217 (NC), wherein we have held as follows :-
"We find no merit in the contention put forward by the insurance company that a complaint relating to the failure on the part of the insurer to settle the claim of the insured within a reasonable time and the prayer for the grant of compensation in respect of such delay will not fall within the jurisdiction of the Redressal Forums constituted under the Consumer Protection Act. The provision of facilities in connection with insurance has been specifically included within the scope of the express 'service' by the definition of the said word contained in Section 2(i)(o) of the Act. Our attention was invited by Mr. Malhotra, learned counsel for the Insurance Company to the decision of the Queen's Bench in National Transit Insurance Company Ltd. vs. Customs and Central Excise Commissioner, (1975) (1) all England Reports Page 303) The observations contained in the said judgment relating to the scope of the expression 'insurance' occurring the schedule of the enactment referred to therein are of no assistance at all to us in this case because the context in which the expression is used in the English enactment considered in the case is entirely different.
Having regard to the philosophy of the Consumer Protection Act and its avowed object of providing cheap and speedy redressal to consumers affected by the failure on the part of persons providing "service" for a consideration, we do not find it possible to hold that the settlement of insurance claims will not be covered by the expression "insurance" occurring in Section 2(1)(d). Whenever there is a default or negligence in regard to such settlement of an insurance claim that will constitute a 'deficiency' in the service on the part of the // 12 // Insurance company and it will be perfectly open to the concerned aggrieved consumer to approach the Redressal Forums under the Act seeking appropriate relief. We, accordingly over the objection raised by the Insurance Company regarding the jurisdiction of the State Commission to adjudicate upon the complaint.
16. The Divisional Manager, L.I.C. vs. Uma Devi, 1991 (1) CPR 662 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. The very fact that the Insurance Act provides for a machinery for remedy for grievances arising out of repudiation of a claim under section 45 leads to show that the Corporation has to satisfy a Court that the repudiation was justified. Accordingly, it is for the consumer to choose a forum convenient to him to seek remedy for the loss suffered because of deficiency in service. As the provisions of this Act are in addition to and not in derogation of any other law for the time being in force, the State Commission has the jurisdiction to entertain the complaint and to investigate whether the repudiation was justified or not and to grant such relief as deems fit if it is satisfied that there was deficiency in service. We therefore, cannot uphold this contention in view of the decision of this Commission in Revision Petition No.12 of 1990 (New India Assurance Co. Ltd. v. Vipro Electronics Pvt. Ltd., 1991 (1) C.P.R. (NC) 531, where the identical point has been elaborately discussed".
17. The New India Assurance Co. Ltd. vs. M/s Vipro Electronics Pvt. Ltd., 1991 (1) C.P.R. (N.C.) 531, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "We are not impressed with the contention raised by Shri S.K. Paul, learned counsel appearing on behalf of the Petitioner that merely because of Insurer had totally repudiated his liability in respect of the // 13 // claim, no proceedings could be validly initiated under the Consumer Protection Act by the insurer. This contention squarely falls within the ruling given by this Commission in Ummedilal Agrawal v. United India Assurance Co. Ltd. (O.P.No.3 & 4 of 1989, decided on 28.7.1989". In that decision this Commission has observed that it is not possible to hold that settlement of a disputed insurance claim will not be covered by the expression "service" occurring in Section 2(d) of the Act. It was laid down that whenever there is default or negligence in regard to service that will constitute "deficiency in service" on the part of the insurer and it is perfectly open to the aggrieved party for seeking appropriate relief under the Act.
In the result, the Revision Petition has no merits and it is accordingly dismissed".
18. M/s. Harsolia Motors vs. M/s. National Insurance Co. Ltd. & Ors. 2005 (1) CPR 1 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "13. In Halabury's Laws of England Vol. 25, 4th Edition, the origin and common principles of insurance is discussed and in paragraph 3 it has been discussed and in paragraph 3 it has been mentioned that it is based on principle of indemnity. Thereafter, relevant discussion is to the effect that most of contract of insurance belong to general category of contracts of indemnity. In the sense that insurers' liability is limited to the actual loss which is , in fact, proved. The contract is one of indemnity and, therefore, insured can recover the actual amount of loss and no more.
14. In this view of the matter, taking of the insurance policy is for protection of the interest of the assured in the articles or goods and not for making any profit or trading for carrying on commercial purpose.
16. We would refer to few relevant judgments :
// 14 // In Regional Provident Fund Commissioner vs. Shiv Kumar Joshi, (2000) 1 SCC 98, the Court elaborately considered the provisions of Sections 2(1)(d) and 2(1)(o) as well as earlier decisions and held that :-
"The combined reading of the definitions of 'consumer' and 'service' under the Act and looking at the aims and object for which the Act was enacted, it is imperative that the words "consumer" and "service" as defined under the Act should be construed to comprehend consumer and services of commercial and trade-oriented nature only. Thus any person who is found to have hired services for consideration shall 'be deemed to be a consumer notwithstanding that the services were in connection with any goods or their user. Such services may be for any connected commercial activity and may also relate to the services as indicated in Section 2(1)(o) of the Act."
The aforesaid ratio makes it abundantly clear that the services may be for any connected commercial activity, yet it would be within the purview of the Act."
19- vihykFkhZ@ifjoknh us [email protected] ls fnukad&30- 08-2013 dh vof/k ls ysdj fnukad&29-08-2014 dh vof/k ds fy, ikWfylh izkIr fd;k Fkk vkSj mDr ikWfylh vius laifRr dh lqj{kk ds lanHkZ esa izkIr fd;k Fkk vkSj dsoy bl vk/kkj ij fd vihykFkhZ@ifjoknh }kjk O;kolkf;d chek ikWfylh izkIr fd;k x;k gS] ;g ugha dgk tk ldrk fd chek daiuh **lsok iznkrk** ugha gS D;ksafd chek daiuh ls vihykFkhZ@ifjoknh dksbZ ykHk vftZr ugha dj jgk gS vfirq chek daiuh ls dsoy laifRr dh lqj{kk lqfuf'pr djus gsrq ikWfylh fy;k x;k Fkk] u fd ykHk vftZr djus ds fy, vkSj ,slh fLFkfr esa vihykFkhZ@ifjoknh **miHkksDrk** vkSj fookn **miHkksDrk fookn** ds varxZr vkrk gSA // 15 // 20- tgka rd Jhjke tujy ba';ksjsal daiuh fyfeVsM ls iwoZ esa chek djkus vkSj rF;ksa dks fNikus dk laca/k gS] ds laca/k esa fopkj fd;k tk jgk gSA vihykFkhZ@ifjoknh us vius ifjokn&i= dh dafMdk&5 esa ;g vfHkopu fd;k gS fd **okgu dks dz; djrs le; Jhjke tujy ba';ksjsal daiuh ls ls chek iwoZ esa djk;k Fkk ysfdu mDr chek daiuh dk dke Bhd&Bkd ugha gksus ds dkj.k ls vkosnd }kjk viuh okgu dks vksfj,.Vy ba';ksjsal daiuh ls chek djk;k Fkk] fnukad&11-08-2014 dks chek daiuh }kjk i= izsf"kr dj bl vk'k; dh tkudkjh nh xbZ Fkh NCB 35 % fn;k x;k Fkk tcfd iwoZ chek daiuh }kjk fdlh izdkj dh uk {kfriwfrZ fn;k x;k gSA** blds foijhr [email protected] us vius fyf[kr dFku esa Li"V :Ik ls crk;k gS fd **ifjoknh }kjk iz'uk/khu okgu ds uohuhdj.k ds le; 35 izfr'kr ,u- lh- ch- ¼uks Dyse cksul½ vukosndx.k daiuh ls izkIr fd;k gS tcfd mDr okgu iwoZ esa Jhjke tujy ba';ksjsal daiuh izk- fyfeVsM esa chfer Fkk vkSj mlds laca/k esa nkok ntZ fd;k x;k gS vkSj vihykFkhZ@ifjoknh }kjk uohuhdj.k djrs le; bl vk'k; dh lwpuk fn vksfj,.Vy ba';ksjsal daiuh fyfeVsM dks ugha fn;k Fkk fd mlus Jhjke tujy ba';ksjsal daiuh ds le{k nkok lafLFkr fd;k gS vkSj bl rF; dks fNikdj ,u-lh-ch- ¼uks Dyse cksul½ dk ykHk izkIr fd;k gS vkSj ifjoknh us chek ikWfylh ysrs le; lgh rF;ksa dks fNikrs gq, pkykdhiwoZd ikWfylh izkIr fd;k gS tks fd chek 'krksZa dk mYya?ku gSA** vihykFkhZ@ifjoknh dh vksj ls ,slk dksbZ lk{; izLrqr ugha fd;k x;k gS ftlls ;g izdV gks fd mlus Jhjke tujy ba';ksjsal daiuh ds le{k nkok izLrqr fd;k gS] ds rF; dks [email protected] ba';ksjsal daiuh ds le{k izdV fd;k FkkA mRrjoknh dz-1@vukosnd dz-1 dh vksj ls ,usD'pj Mh&7 izLrqr fd;k x;k gS tks fd Jhjke tujy ba';ksjasl daiuh }kjk tkjh chek ikWfylh gS vkSj ftlds vuqlkj vihykFkhZ@ifjoknh dk iz'uk/khu okgu Jhjke tujy ba';ksjal daiuh ds ikl fnukad&30-08-2012 ls fnukad&29-08- // 16 // 2013 dh vof/k ds fy, chfer FkkA ,usD'pj Mh&1 dk i= Jhjke tujy ba';ksjsal daiuh }kjk vihykFkhZ@ifjoknh f'ko dqekj xqIrk dks izsf"kr i= gS tks fnukad&10-09-2013 dk gS] ftlds }kjk vihykFkhZ@ifjoknh dks ;g lwfpr fd;k x;k Fkk fd nq?kZVuk fnukad dks pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk tks fd ikWfylh 'krksZa dk xaHkhj mYya?ku gS vkSj lkFk gh lkFk eksVj Oghdy ,DV ds izko/kku dk mYya?ku gS vkSj bl vk/kkj ij vihykFkhZ@ifjoknh ds nkos dks jsiqfM,V fd;k x;k Fkk vkSj vkSj ,usD'pj Mh&7 dk lfVZfQdsV ikWfylh dzekad&209038@31@13@000860 ds laca/k esa tkjh fd;k x;k FkkA ,usD'pj Mh&7 chek ikWfylh gS vkSj tks okgu dzekad&lh-th- 16,@1825 ls lacaf/kr gS tks fd bl izdj.k esa Hkh iz'uk/khu okgu gS vkSj bl izdkj Li"V gS fd vihykFkhZ@ifjoknh us iz'uk/khu okgu ds laca/k esa Jhjke tujy ba';ksjsal daiuh fyfeVsM ds le{k nkok izLrqr fd;k Fkk vkSj mldk nkok fnukad&10-09-2013 dks fujLr fd;k x;k Fkk vkSj [email protected] ls ikWfylh fnukad&30-08-2013 dks izkIr fd;k FkkA bl izdkj ;g Li"V gS fd ftl le; ikWfylh [email protected] ls izkIr fd;k x;k Fkk ml le; vihykFkhZ@ifjoknh dk nkok Jhjke tujy ba';ksjsal daiuh fyfeVsM ds le{k yafcr Fkk vkSj bl izdkj vihykFkhZ@ifjoknh us Jhjke tujy ba';ksjasl daiuh fyfeVsM ds le{k mlus tks nkok lafLFkr fd;k Fkk] ml rF; dks fNikrs gq, [email protected] ls ikWfylh izkIr fd;k gS vkSj nq?kZVuk dh lwpuk ugha gksus ij Hkh uks Dyse cksul dh 35 izfr'kr jkf'k dk ykHk izkIr fd;k gS vkSj blls izdV gS fd vihykFkhZ@ifjoknh }kjk egRoiw.kZ rF;ksa dks fNikrs gq, [email protected] ls ikWfylh izkIr fd;k gS vkSj ,slh fLFkfr esa [email protected] us vihykFkhZ@ifjoknh nkos dks vLohdkj dj fdlh izdkj ls lsok esa deh ugha fd;k gS vkSj bl laca/k esa ftyk Qksje us tks fu"d"kZ fudkyk gS og iw.kZr% mfpr gSA // 17 // 21- mijksDr foospuk ds ifjizs{; esa ftyk Qksje us tks ;g fu"d"kZ fudkyk gS fd vihykFkhZ@ifjoknh **miHkksDrk** ugha gS og iw.kZr% =qfViw.kZ gS ijUrq tks ;g fu"d"kZ fudkyk gS fd vihykFkhZ@ifjoknh us rF;ksa dks fNikrs gq, chek ikWfylh izkIr fd;k gS vkSj chek 'krksZa dk mYya?ku fd;k gS] og iw.kZr% fof/k lEer gSA ftyk Qksje us tks ;g fu"d"kZ fudkyrs gq, fd vihykFkhZ@ifjoknh us egRoiw.kZ rF;ksa dks fNikrs gq, [email protected] ls ikWfylh izkIr fd;k gS vkSj vihykFkhZ@ifjoknh ds ifjokn dks fujLr fd;k gS og iw.kZr% fof/k lEer gS] mlesa gLr{ksi dh vko';drk ugha gSA 22- mijksDr foospuk ds ifjizs{; esa ftyk Qksje dk ;g fu"d"kZ fd vihykFkhZ@ifjoknh us rF;ksa dks fNikrs gq, ,u- lh- ch- ¼uks Dyse cksul½ 35 izfr'kr izkIr fd;k gS vkSj ikWfylh izkIr fd;k gSA bl izdkj vihykFkhZ@ifjoknh }kjk egRoiw.kZ rF;ksa dks fNikrs gq, ikWflyh izkIr fd;k gS] blh vk/kkj ij vihykFkhZ@ifjoknh dk ifjokn fujLr fd;s tkus ;ksX; gSA 23- vr% vihykFkhZ@ifjoknh dh vihy lkjghu gksus ls fujLr fd;k tkrk gSA bl vihy dk O;; 3]000@&¼rhu gtkj :Ik;s½ vihykFkhZ@ifjoknh] [email protected] dks vnk djsxkA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼lqJh fguk BDdj½ ¼Mh- ds- iksn~nkj½ ¼ujasnz xqIrk½ v/;{k lnL;k lnL; lnL;
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