State Consumer Disputes Redressal Commission
Hanuman Prasad Sharma vs The New India Insurance Company Ltd. on 23 September, 2020
1 jkT; miHkksDrk fookn izfrrks"k vk;ksx] cSap la[;k 1] jktLFkku] t;iqj vihy la[;k& 368@2020 guqeku izlkn 'kekZ
-----vihykFkhZ Ckuke nh U;w bf.M;k ba';ksjsl dEiuh fy- o vU;
----- izR;FkhZx.k le{k % ekuuh; dk;Zokgd v/;{k ekuuh; Jhefr 'kksHkk flag] lnL;
mifLFkr %& vihykFkhZ dh vksj ls Jh dsnkj 'kekZ] vf/koDrk tfj;s ohfM;ks dkWUQzsflax vkns'k fnukad 23 flrEcj] 2020 jkT; vk;ksx jktLFkku t;iqj }kjk Jh dey dqekj ckxM+h] ;g vihy guqeku izlkn 'kekZ dh vksj ls nh U;w bf.M;k ba';ksjsl dEiuh fy- o vU; ds fo:) ftyk miHkksDrk fookn izfrrks"k eap] t;iqj r`rh;] t;iqj ds fu.kZ; fnukad 13-12-2019 ls O;fFkr gksdj is'k dh xbZ gSA izdj.k ds rF; bl izdkj gS fd ifjoknh guqeku izlkn 'kekZ us vius okgu vkj-ts-14&2th&2605 dk chek foi{kh chek dEiuh ls 01-01-2009 ls 31-12-2009 rd dh vof/k ds fy, djok;k FkkA mDr okgu ij foi{kh la[;k 2 us Qkbusal miyC/k djok;k FkkA mDr okgu fnuakd 27-05-2009 dks mlus vius fuokl LFkku ij jkf= esa [kM+k fd;k Fkk lqcg mBdj ns[kk rks okgu ugha feyk dkQh ryk'k djus ij Hkh ugha feyus ij iqfyl Fkkuk eqgkuk esa izFke lwpuk fjiksVZ lWa[;k 149@2009 fnukad 01-06-2009 dks ntZ djok;hA foi{kh dks Hkh lwpuk nhA foi{kh us vkt rd Dyse jkf'k dk Hkqxrku ugha fd;k gSA foi{kh us 2 Dyse jkf'k dk Hkqxrku ugha fd;k bl dkj.k QkbZusal dEiuh us Qkbusal fjDojh ds fy, ifjoknh ds fo:) l{ke U;k;ky; esa okn izLrqr fd;k ftlds fy, foi{kh lWa[;k 1 ftEesnkj gSA vf/koDrk ds ek/;e ls 29-08-2012 dks foi{kh dks uksfVl fn;k fQj Hkh chek jkf'k dh vnk;xh ugha dh tks foi{kh dk lsoknks"k gSA foi{kh lWa[;k 1 chek dEiuh dk tokc esa dguk gS fd ifjoknh us okgu ds laca/k esa chek dEiuh ds fu;ekuqlkj fofgr vof/k esa lwpuk miyC/k ugh a djok;h tks chek ikWfylh dh 'krksZ dk mYya/ku gS blfy, ifjoknh dk ifjokn [kkfjt fd;k tkosA rFkkdfFkr ?kVuk iz'uxr chfer okgu ds lEcU/k esa fnukad 27-05-2009 dh crk;h gS ijUrq foi{kh ds le{k ,slk dks nLrkost is'k ugha fd;k gS fd mlus vius okgu dks xEHkhjrkiwoZd ryk'k fd;k blds vykok ?kVuk esa ,Qvkj- is'k djus dh lwpuk foi{kh dks fu;ekuqlkj fofgr le;kof/k esa miyC/k ugha djok;hA ifjoknh us chek dh 'krksZ dk Li"V mYya?ku fd;k gSA rFkkdfFkr ?kVuk dh lwpuk] ?kVuk ?kfVr gksus ds rqjUr i'pkr foi{kh dks iw.kZ fooj.k lfgr fu/kkZfjr QkeZ esa fyf[kr esa nh tkuh vko';d Fkh tks mlus ugha nh blfy, og chek dEiuh ls dksbZ {kfriwfrZ izkIr djus dk vf/kdkjh ugha gS blfy, foi{kh us dksbZ lsoknks"k ugha fd;k gSA okgu pksjh ds djhc 4 o"kZ ckn ifjoknh us ifjokn is'k fd;k gS tks le;kof/k ckf/kr gS cgl foyEc ekQh ds izkFkZuk [email protected] vf/koDrk vihykFkhZ tfj;s ohfM;ks dkWUQzsflax lquh xbZ rFkk i=koyh dk v?kksiku voyksdu o euu fd;k x;kA ifjoknh dk vkj-ts-14&2th&2605 okgu Fkk ftldk fnukad 01-01-2009 ls 31-12-2009 rd chek FkkA fnukad 27-05-2009 dks fuokl ij okgu [kMk Fkk] lqcg mBdj ns[kk rks pksjh gks x;k] iqfyl Fkkuk eqgkuk esa fnukad 01-06-2009 dks izFke lwpuk fjiksVZ ntZ djk;h o Dyse is'k fd;k ijUrq ugha fn;kA QkbZuSaUlj us fjdojh dk nkok dj fn;kA tokc esa izFke lwpuk fjiksVZ nsjh ls ntZ djkuk] chek dEiuh dks nsjh ls lwpuk nsuk rFkk ifjokn fe;kn ckgj gksuk crk;k gSaA ifjoknh dk okgu fnukad 27-05-2009 o 28-05-2009 dh njfe;kuh jkr pksjh gqvk gSa] izFke lwpuk fjiksVZ fnukad 01-06-2009 dks ntZ djk;h gSa tks 5 fnu 3 nsjh ls ntZ djk;h gSa] chek dEiuh dks lwpuk nsjh ls nh x;h gSaA bl izdkj chek 'krksZ dk mYya?ku gqvk gSaA ?kVuk fnukad 27-05-2009 o 28-05-2009 dh njfe;kuh jkr dh gSaA ifjokn fnukad 07-11-2012 dks is'k fd;k gSa tks nks lky dh vof/k ds ckgj gSaA /kkjk 24&A CP Act esa vof/k ekQ djus dk dksbZ izkFkZuk i= is'k ugha fd;kA bl laca/k es a(2009) 7 Supreme Court Cases 768 KANDIMALLA RAGHAVAIAS AND COMPANY Vs. NATIONAL INSURANCE COMPANY AND ANOTHER esa ekuuh; loksZPp U;k;ky; us fuEu fu/kkZfjr fd;k gS %& A. Consumer Protection Act, 1986 -S.24-A--Limitation-- Dismissal of complaint on the ground of limitation alone--Mandatory duty of consumer fora regarding--Express duty of consumer fora to dismiss complaints which are barred by limitation and where no sufficient cause has been shown, re-emphasised B. Limitation--Cause of action -Meaning and import, discussed--Held, it has wide import, different meanings in different contexts--Words and Phrases--"Cause of action"
C. Consumer Protection Act, 1986--S.24-A Limitation-- Cause of action/starting date--Complaint whether barred by limitation
-fire in complainant's go down on 22-3-1988/23-3-1988 damaging insured tobacco stocks--Complaint filed on 24-10-1997 i.e. after more than nine years and that too without any application for condo nation of delay (limitation being two years) -Effect--Held, the cause of action began on 23-3-1988, when fire in the go down took place damaging the insured crops--The complaint was manifestly barred by limitation and the National Commission was justified in dismissing it on this short ground-Limitation for the purpose of S. 24-A began to run from 23-3- 198 D. Consumer Protection Act, 1986 -S.24-A--Limitation-- Extension of limitation -Permissibility--Plea of non--issue of insurance claims form and non-processing of claim-- Maintainability--Complainant for the first time asking for claim forms on 6-11-1992 for cause of action which arose on 23-3-1988--On facts, 4 held, extension of limitation is not permissible on the said plea which ought to have been filed within two years from the cause of action i.e. from 23-3-1988 (when fire damaged the insured goods) ekuuh; loksZPp U;k;ky; }kjk fu/kkZfjr fl}karksa ds vuqlkj ifjokn fe;kn ckgj gSa] chek 'krksZ dk Hkh mYya?ku gqvk gSaA fo}ku ftyk eap us tks ifjokn [kkfjt fd;k gSa]]mlessa fdlh izdkj dh =qfV ugha gSa rFkk ;g vihy Hkh 230 fnu nsjh ls is'k dh x;h gSa rFkk /kkjk 5 fe;kn vf/kfu;e ds izkFkZuk i= esa tks dkj.k crk;s gSa os U;k;ksfpr ugha gSaA Qyr% vihykFkhZx.k dh vihy xzg.kkFkZ LVst ij vLohdkj dj [kkfjt dh tkrh gSaA ¼Jhefr 'kksHkk flag½ ¼dey dqekj ckxMh½ lnL;
izlkn