State Consumer Disputes Redressal Commission
Pradeep Sharma S/O Vishnu Dutt Sharma vs Natiosnal Insurance Company Limited ... on 4 July, 2017
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----izR;FkhZx.k@foi{khx.k le{k%&,dy ihB U;k;kf/kifr Jherh fu'kk xqIrk] v/;{k mifLFkr%& vihykFkhZ vf/koDrk% Jh xksiky 'kkL=h izR;FkhZ la-,d ds vf/koDrk % xk;=h tks'kh izR;FkhZ la-nks ds vf/koDrk % Jh vkn'kZ oekZ vkns'k fnuakd 04@07@2017 jkT; vk;ksx]jktLFkku]t;iqj] ¼}kjk% Jherh fu'kk xqIrk] v/;{k½ ;g vihy v/khuLFk ftyk eap] t;iqj prqFkZ] t;iqj ds vkns'k fnukad 11-03-2016 ds fo:) izLrqr dh x;hA vihykFkhZ dk ;g dFku gS fd mlds ejEer esa dqy 5]48]260@&:i;s ¼v{kjs ikap yk[k vM+rkyhl gtkj nks lkS lkB :-½ 2 [kpZ gq;s] tcfd mls dsoy 2]72]589@&:i;s ¼nks yk[k cgRrj gtkj ikap lkS uoklh :-½ dk Hkqxrku gqvk gS vr% mldk Dyse Lohdkj fd;k tk;sA foi{kh dk ;g dFku gS fd losZ;j fjiksVZ ds vk/kkj ij mfpr jkf'k dk Hkqxrku dj fn;k x;k gS rFkk ,d ckj tc jkf'k vihykFkhZ }kjk Lohdkj dj yh x;h gS rks og miHkksDrk ugha gSA nksuksa i{kksa dks lquk x;kA ftyk eap ds vkns'k ,ao ewy i=koyh dk voyksdu fd;k x;kA bl fLFkfr esa dksbZ fookn ugha gS fd 2]72]589@&:i;s ¼nks yk[k cgRrj gtkj ikap lkS uoklh :-½ dk Hkqxrku vihykFkhZ dks fd;k tk pqdk gSA vihykFkhZ dk ;g dFku gS fd mlds }kjk rRdky bl lEcU/k esa vkifRr izn'kZ&5 ds tfj;s fnuakd 24-04-2013 dks is'k dh x;h Fkh vkSj mlus vkifRr ds v/khu jkf'k izkIr dh gS ,slh fLFkfr esa mldk Dyse ikS"kuh; gSA jkf'k dk Hkqxrku tfj;s pSd izn'kZ vkj&3 ls gqvk gS vkSj rRle; vihykFkhZ }kjk dksbZ vkifRr dh x;h gks] ,slh dksbZ fLFkfr ugha gS vkSj bl lEcU/k esa foi{kh dh vksj ls 2014¼1½ lh ih vkj 244 ¼,u lh½&fpVhiksjyq yksds'ojk jkW; cuke~ ;qukbZVsM bf.M;k ba';ksjsl a daiuh fyfeVsM o 2013 ,u lh ts 481 ¼,u lh½& gfj;k.kk LVsV dks&vkWijsfVo lIykbZ ,.M ekdsZfVax QsMjs'ku fyfeVsM cuke~ bZQdks VksD;ks tujy ba';ksjsal daiuh dk fofu'p; is'k fd;k] ftlesa dgk x;k 3 fd tc ,d ckj jkf'k dks ifjoknh }kjk Lohdkj dj fy;k x;k gS rks og bl ij vkifRr ugha dj ldrkA izLrqr izdj.k esa Hkh fLFkfr blh ds leku gSA vihykFkhZ dk ;g dFku gS fd mlds }kjk izLrqr fcyksa ds vk/kkj ij mlus okgu esa 142 dh x.kuk esa ejEer dh x;h] tcfd losZ;j }kjk dsoy 81 vkbZVe gh ns[ks x;s gS vkSj 'ks"k ejEer dks vLohdkj djus dk dksbZ dkj.k ugha n'kkZ;k x;k gS vkSj bl lEcU/k esa ekuuh; jk"Vªh; vk;ksx dh fjfotu fifV'ku la[;k 4456@2014& U;w bf.M;k ,';ksjasl daiuh fyfeVsM cuke~ fufru dqekj eDdM+ dk fofu'p; is'k fd;kA foi{kh dk ;g dFku gS fd losZ;j fjiksVZ ds vk/kkj ij Dyse ikfjr fd;k x;k gS lkFk gh ukWu bysDVªhdYl vlsljht ds fy, dksbZ fizfe;e ugha fy;k x;k Fkk] tSlkfd ikWfylh ls lkfcr gS rFkk cgl ds nkSjku ftyk eap ds le{k gj vkbZVe dh fLFkfr dks fyf[kr rkSj ij lkfcr fd;k x;k Fkk vkSj ,slh fLFkfr esa ftyk eap }kjk mfpr vkns'k ikfjr fd;k x;k gS vkSj bl lEcU/k esa izFke ¼2016½ lh ih ts 555 ¼,u lh½& ;qukbZVsM bf.M;k ba';ksjsl a daiuh fyfeVsM cuke~ jktdqekj] 2009 ¼izFke½ lh ih vkj 284 ¼,u lh½&;qukbZVsM bf.M;k ba';ksjsal daiuh fyfeVsM cuke~ nhu n;ky ds fofu'p; is'k fd;s gS] ftuesa dgk x;k gS fd losZ;j fjiksVZ ,d egRoiw.kZ nLrkost gS vkSj vU;Fkk lkfcr u 4 gksus rd bl ij vfo'okl ugha fd;k tk ldrkA izLrqr izdj.k esa Hkh fLFkfr blh ds leku gSA losZ;j }kjk {kfr dk iw.kZ vkadyu fd;k x;k gS vkSj rRle; bl ij dksbZ vkifRr vihykFkhZ }kjk ugha dh x;h gS cfYd mlus chek daiuh }kjk Hkstk x;k {kfriwfrZ dk pSd Lohdkj fd;k gS vr% vc vkifRr vuko';d gSA vihykFkhZ dk ;g dFku gS fd foi{kh la[;k nks }kjk mfpr izdkj ls ejEer ugh dh x;h vkSj dqN ikV~lZ ugha yxk;s x;s vkSj blds isVs mlus izn'kZ&8 fcy cukdj fn;k FkkA ;fn ,slh fLFkfr Fkh rks okgu dh lqiqnZxh ysrs le; gh vihykFkhZ dks vkifRr djuh pkfg;s Fkh] tks mlds }kjk ugha dh x;hA bl lEcU/k esa foi{kh la[;k nks dh vksj ls Jh fd'kksj flag] funs'kd dk 'kiFk i= is'k gqvk gS fd vihykFkhZ us larq"V gksus ds i'pkr~ gh okgu dh lqiqnZxh yh Fkh ,slh fLFkfr esa foi{kh la[;k nks dk Hkh dksbZ lsok nks"k gksuk lkfcr ugha gS lkFk gh ;g fLFkfr lkeus vkrh gS fd vihykFkhZ }kjk okgu esa ikVZ ugha Myokus ds ckotwn Hkh mldk fcy foi{kh la[;k nks ls izkIr fd;k vkSj ,slh fLFkfr esa vihykFkhZ }kjk izLrqr fcy fo'oluh; ugha jg tkrs vkSj mu ij fopkj ugha fd;k tk ldrk] tcfd losZ;j }kjk xgu tkWap ds i'pkr~ viuh fjiksVZ nh gS rFkk iqu% fujh{k.k ds i'pkr~ chek daiuh }kjk {kfriwfrZ dh jkf'k 2]62]000@&:i;s ¼v{kjs nks yk[k cklB gtkj :-½ ds LFkku ij 2]70]000@&:i;s ¼v{kjs nks yk[k lRrj gtkj :-½ fd;k x;k gSA 5 foi{kh dh vksj ls prqFkZ ¼2004½ lh ih ts 49 ¼,l lh½& ikWyhesV bf.M;k izkbZosV fyfeVsM cuke~ us'kuy ba';ksjsl a daiuh fyfeVsM] 2010 ¼2½ i`"B 318 ¼,l lh½& ;qukbZVsM bf.M;k ba';ksjsl a daiuh fyfeVsM cuke~ dkfUr dyj ySc dk fofu'p; is'k fd;k] ftlesa dgk x;k fd chek daiuh dh ftEesnkjh okLrfod uqdlku rd gh gS rFkk izLrqr izdj.k esa losZ;j }kjk okLrfod uqdlku dk vkadyu fd;k x;k gS] ftl ij fo'okl dj ftyk eap }kjk dksbZ =qfV ugha dh x;h gSA vr% vihy esa cy u gksus ls vihy vLohdkj dh tkrh gSA ¼ fu'kk xqIrk ½ v/;{k