State Consumer Disputes Redressal Commission
National Insurance Co.Ltd. vs Smt. Meera Devi on 22 February, 2011
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----izfR;FkZ;ka&ifjokfnuh le{k%& ek0 Jh th-,l-gksjk]ihBklhu lnL;] ek0 Jherh foeyk lsfB;k] lnL;k] mifLFkr%& Jh fnus'k dkyk],M0]vihykFkhZ&foi{khA Jh Mh-,e-ekFkqj ,ao Jh vt;jkt VkafV;k],M0]izfRFkZ;ka&ifjokfnuhA vkns'k fnuakd%22-02-2011 }kjk Jh th-,l-gksjk]ihBklhu lnL;% ;g vihy ftyk miHkksDrk eap] t;iqj f)rh;] t;iqj ds vkns'k fnuakd 12-4-2007 ds fo:} is'k dh xbZ ftlds }kjk ifjokfnuh dk ifjokn Lohdkj djrs gq, vihykFkhZx.k&foi{khx.k dks funsZ'k fn;k fd oks bl vkns'k dh rkjh[k ls nks ekg esa ifjokfnuh dks 7]26]000@&:i;s dh jkf'k ] ifjokn izLrqfr fnuakd 25ekpZ 2006 ls vnk;xh rd 9 izfr'kr izfr o"kZ dh nj ls C;kt lfgr vnk djs rFkk ifjokn O;; ds 3]000@&:i;s Hkh vnk djsA ifjokfn;k }kjk bl vk'k; dk ifjokn is'k fd;k x;k Fkk fd mlus fnuakd 5-10-2005 dks ,d Vªd jks'ku eksVlZ] t;iqj ls dz; fd;k Fkk ftldk mlh fnu foi{kh chek daiuh ls chek djok;k x;kA chfer Vªd dks fnuakd 7-10-2005 dks ifjokfn;k us vius ?kj ij [kM+k fd;k ftls vKkr O;fDr pqjkdj ysa x;kA bl laca/k esa izFke lwpuk fjiksVZ varxZr /kkjk 379 Hkkjrh; n.M lafgrk fnuakd 14-10-2005 dks iathd`r djok;h xbZA Vªd pksjh tkus dh lwpuk ifjokfn;k }kjk fnuakd 20-11-2005 ,ao 9-12-2005 dks foi{kh la-,d chek daiuh dks nh xbZA ifjokfn;k dk dFku gS fd mldk Dyse foi{kh }kjk blfy, fujLr dj fn;k x;k D;ksafd ifjokfn;k }kjk lwpuk nsus esa nsjh dh xbZA ifjokfn;k dk dFku jgk fd mlds nknsj 'olqj Jh yknwjke ftudh mez 90 o"kZ Fkh fnuakd 4-10-2005 ls chekj py jgs Fks vkSj bZykt pkyw FkkAiwoZ esa pkSew f=yksd uflZax vLirky esa bZykt py jgk Fkk vkj mlds i'pkr~ vf/kd chekjh gksus ds dkj.k fiadflVh gkVZ ,.M tujy 2 gkWfLiVy]eqjyhiqjk]lhdj jksM+] t;iqj esa HkrhZ djok;k tgak mudh e`R;q fnuakd 13-1-2006 dks gks x;hA ifjokfn;k dk ;g dFku gS fd mijksDr dkj.kksa ls og lgh le; ij lwpuk iqfyl ,ao chek daiuh dks ugha nsa ldhA ifjokfn;k dk dFku gS fd chek daiuh us vuqfpr vk/kkj ij Dyse [kkfjt fd;k blfy, mlus chfer jkf'k e; C;kt fnyok;s tkus dh izkFkZuk dhA chek daiuh dk ;g tokc jgk fd ikWfylh dh 'krZ la-,d o vkB ds vuqlkj lwpuk lgh le; ij ugha nsus ds dkj.k ifjokfn;k dk Dyse [kkfjt fd;k x;k vkSj bl izdkj muds }kjk dksbZ lsok esa nks"k dkfjr ugha fd;k x;kA fo}ku eap }kjk ifjokfn;k ds nknsj 'olqj Jh yknwjke dh chekjh dks vk/kkj ekurs gq, ekuk fd ;fn mlds }kjk izFke lwpuk nsjh ls ntZ djok;h x;h gS rks mldks Dyse ds fy, ?kkrd ugha ekuk tk ldrk vkSj bl izdkj ifjokfn;k dk ifjokn Lohdkj djrs gq, mijksDr izdkj ls vkyksP; vkns'k ikfjr fd;k x;kA vihykFkhZ ds ;ksX; vf/koDrk Jh dkyk }kjk ikWfylh dh 'krZ la-,d o vkB dk voyac ysrs gq, ek-jk"Vªh; vk;ksx }kjk QLVZ vihy la-321@2005 U;w bf.M;k ,';ksjsal daiuh fy0 cuke~ f=ykspu tSu dk fofu.kZ; is'k fd;k vkSj ;g rdZ fn;k x;k fd pwafd ifjokfn;k ds nknsj 'olqj chekjs Fks ftudk bZykt gkWfLiVy esa py jgk Fkk blfy, ;fn fjiksVZ nsjh ls ntZ djok;h xbZ ,ao chek daiuh dks nsjh ls lwpuk Hksth xbZ gS rks mDr dkj.kksa ls ifjokfn;k dk Dyse [kkfjt ugha fd;k tkuk pkfg;s FkkA vius dFkuksa ds leFkZu esa ek- fcgkj jk"Vªh; vk;ksx] iVuk dk II(1993)CPJ 1030 cmuoku~ us'kuy ba';ksjsal daiuh fy0 cuke~ uxsUnz ih-Mh- flag ,ao ek-jk"Vªh; vk;ksx] ubZ fnYyh II(2008)CPJ 483 tujy ba';ksjsal daiuh fy0 o vU;
cuke~ vfHkthr lSuh o vU; is'k fd;s x;sA nksuksa i{kksa ds rdZ&fordksZ ij fopkj fd;k x;kAchek ikWfylh dh 'krZ la-,d o vkB fuEu izdkj gS%& "Notice shall be given in writing to the company immediately upon the occurrence of any accident or loss or damage and in the event of any claim and thereafter the insured shall give all such information and assistance as the company shall require Every letter claim writ summons and/or process shall be forwarded to the company immediately on receipt by the Insured. Notice shall also be given in writing to the company immediately the insured shall have knowledge of any impending prosecution inquest Fatel 3 Inquiry in respect of any occurrence which may give rise to claim under this policy. In case of theft or other criminal at which may be subject of claim under this policy the insured shall give immediate notice to the police and co-operte with the company in securing the conviction of the offender."
(8)"The due observance and fulfilment of the terms conditions and endor sements of this policy in so far as they related to anything to be done or complied with by the Insured and the truth of the statement and answers in the said proposal shall be conditions precedent to any liability of the company to make any payment under this policy."
iz'u ;gh gS fd D;k ikWfylh dh 'krksZa dk mYy?kau ifjokfn;k }kjk fd;k x;k vkSj bl dkj.k ls mldks dksbZ Hkh jkf'k ns; ugha gSA i=koyh ds voyksdu ls Li"V gS fd ifjokfn;k dk nknsj 'olqj Jh yknwjke dks chekjh ds dkj.k f=yksd uflZax gkse] pkSew esa fnuakd 4-10-2005 dks fn[kk;k x;k vkSj ml le; Jh yknwjke ?kj ij gh bZyktjr FksA fnuakd 18-10-2005 dks mudks fiad flVh gkVZ ,.M tujy gkWfLiVy] t;iqj HkrhZ djok;k x;k tgak ls mudks fnuakd 24-10-2005 dks fMLpktZ dj fn;k x;k] dk lgkjk ysdj ifjokfn;k dk ;g dFku jgk gS fd izFke lwpuk fjiksVZ ntZ djokus esa nsjh gqbZA gekjs fopkj ls ;g nyhy pyus ;ksX; ugha gSA fnuakd 4-10-2005 dks Jh yknwjke dks chekj gksuk crk;k tkrk gS vkSj tc og bZykt ysa jgs Fks rks fnuakd 5-10-2005 dks Vªd [kjhnk fy;k x;k] Vªd [kjhnus ds i'pkr~ mldk chek Hkh mlh fnu djok fy;k x;k ;fn ikap rkjh[k dks bruk dk;Z djuk laHko Fkk rks ,slk dksbZ dkj.k ugha Fkk fd Vªd pksjh tkus ds i'pkr~ bldh fjiksVZ le; ij ntZ ugha djok;h tkrhA,slh dksbZ lk{; vfHkys[k ij ugha gS fd ftlls ;g dgk tk lds fd yknwjke ml fnu xaHkhj chekjh ls ihfM+r FkkA oSls Hkh tgak u;k Vªd ftldh chfer jkf'k 7]26]000@&:i;s Fkh] pksjh pyk tk, vkSj mldh fjiksVZ rqjUr ntZ ugha djok;h tk,] laHko izrhr ugha gksrkA ,slh dksbZ lk{; ugha vk;h gS fd ifjokfn;k ds ifjokj esa ,slk dksbZ lnL; ugha Fkk tks fd iqfyl Fkkus esa tkdj fjiksVZ ntZ djokrkA nsjh ls fjiksVZ ntZ djokus ,ao nsjh ls chek daiuh dks lwpuk nsuk ek-jk"Vªh; vk;ksx }kjk xaHkhj :i ls fy;k x;k vkSj bl laca/k esa ek-jk"Vªh; vk;ksx dk fofu.kZ; QLVZ vihy la-321@2005 U;w bf.M;k ,';ksjsal daiuh fy0 cuke~ f=ykspu tSu egRoiw.kZ gSAbl fu.kZ; ds egRoiw.kZ va'k bl izdkj gS% 4 "In the case of theft where no bodily injury has been caused to the insured, it is incumbent upon the respondent to inform the Police about the theft immediately, say within 24 hours,otherwise, valuable time would be lost in tracing the vehicle. Similarly, the insurer should also be informed within a day or two so that the insurer can verify as to whether any theft had taken place and also to take immediate steps to get the vehicle traced. The insurer can coordinate and cooperate with the Police to trace the car. Delay in reporting to the insurer about the theft of the car for 9 days, would be a violation of condition of the Policy as it deprives the insures of a valuable right to investigate as to the commission of the theft and to trace/help in tracing the vehicle."
ekStwnk ekeys esa ifjokfn;k }kjk le; ij fjiksVZ ntZ ugha djokuk vkSj u gh chek daiuh dks rqjUr lwfpr djuk] Dyse [kkfjt djus ds fy, i;kZIr FkkA ;fn le; ij fjiksVZ ntZ djok;h tkrh rks iqfyl dks Vªd <w<aus esa lqfo/kk gks ldrh Fkh vkSj Vªd feyus dh laHkkouk gks ldrh FkhA ifjokfn;k ds fuf"dz; gksus ds dkj.k chek daiuh dks chfer jkf'k ds Hkqxrku ds fy, mRrjnk;h ugha Bgjk;k tk ldrkA gekjs fopkj ls fo}ku eap }kjk ifjokfn;k ds i{k esa vokMZ ikfjr djus esa Hkwy dh xbZ gS vr% vkns'k vikLr gksus ;ksX; gSA ifj.kker%vihy Lohdkj dj eap dk vkyksP; vkns'k fnuakd 12-4-2007 vikLr fd;k tkrk gS ftlds ifj.kkeLo:i ifjokn [kkfjt fd;k tkrk gSA lnL;k ihBklhu lnL;
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