State Consumer Disputes Redressal Commission
G.R Infraproject Ltd vs National Insurance Co. Ltd. on 17 February, 2022
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}kjk%& lqJh mfeZyk oekZ] ihBklhu lnL; ¼U;kf;d½ mifLFkr % vihykFkhZ@ifjoknh dh vksj ls vf/koDrk Jh vuhy vklfy;k izR;FkhZ@foi{kh dh vksj ls vf/koDrk Jh ds ,e lsBh fu .kZ ; fnukad % 17-02-2022 1- vihykFkhZ@ifjoknh us izR;FkhZ@foi{kh ds fo:} ;g vihy fo}ku ftyk miHkksDrk fookn izfrrks'k eap] mn;iqj ds ifjokn la[;k 326@13 th vkj bUQzkizkstDs Vl fyfe- cuke us'kuy bU';ksjsal d- fy- esa ikfjr fu.kZ; fnukad 09-02-15 ds fo:) izLrqr dh gS] ftlds }kjk mUgksua s izR;FkhZ@ifjoknh dk ifjokn vLohdkj fd;k gSA 1 vihy la[;k 48 @15 eS0 th vkj cuke us'kuy bU';ksjl sa 2- laf{kIr rF;ksa ds vuqlkj ifjoknh uss vihykFkhZ@foi{kh ds fo:/k ifjokn bl vk'k; dk is'k fd;k fd mlds LokfeRo dk ,d Vz~d Vªksyk la[;k vkjts 09 th , 2767 dk chek foi{kh chek daiuh ds ;gka fnukad 25-05-11 ls 24-05-12 dh vof/k ds fy, djok j[kk FkkA fnukad 17-02-17 dks mldk pkyd ctjaxflag bl okgu dks ysdj mn;iqj ls f'kykax&es?kky; tk jgk Fkk fd eqTtQj lhrke<h ds ikl fdlh vKkr okgu ds pkyd us vius okgu dks ykijokgh ls pykdj ,dne lkeus yk;k] mldh VDdj ls cpus ds fy, pkyd us vius okgu dk gkbczsd ,dne yxk;k ijUrq ml vKkr okgu us Vªksyk ds VDdj ekj dj nq?kZVuk dkfjr dhA 3- ifjokn esa vkxs of.kZr fd;k fd blls Vªksyk dh Mhty Vadh ds QVus ls mlesa vkx yx x;h vkSj Vªksyk iw.kZr;k ty dj u"V gks x;k ftldh lwpuk iqfylFkkuk dkaVh ftyk eqTtQjiqj dks nh x;hA bldk LiksV losZ djkus ij ,LVhesV 16]20]535:i;s dk fn;kA okgu iw.kZr;k tydj u"V gks x;k ftldh vkbZMhoh osY;w 8]80]717:i;s ds eqdkcys fjis;j dk ewY; vf/kd gksus ls VksVy yksl esa okgu dk vkadyu fd;k x;kA bl ckcr Dyse izLrqr fd;k ysfdu jkf'k ugha nh x;hA vr% fuosnu fd;k x;k fd Dyse jkf'k 3]09]500 :i;s ekuh x;h tks e; C;kt ds fnykbZ tkos] ekufld larki o ifjokn O;; Hkh fnyk;s tkus dh izkFkZuk dh x;hA 4- foi{kh dh vksj ls tokc ds ek/;e ls ifjokn esa of.kZr rF;ksa dks vLohdkj djrs gq, vfHkdFku fd;k fd ifjoknh ls foi{kh dk dksbZ chek vuqac/k ugha gqvkA vkj lh vksuj ds :i esa Dyse dks ns[kk tk;s rks mDr okgu VSadj ds :i esa iathd`r gS vkSj chek Hkh Vsd a j dk gh fd;k x;k gS tcfd nq?kZVuk Vªksyk Vªsyj ds :i esa gqbZ gS vFkkZr mDr okgu vkjts 09 th, 2767 HkkSfrd :i ls Vsd a j ugha gksdj Vªksyk Vªsyj FkkA bl ckcr chekdaiuh dks lwpuk Hkh ugha nh x;h blfy, vU; izdkj ls ,slsljht vkSj ckWMh ifjofrZr dj yh] 2 vihy la[;k 48 @15 eS0 th vkj cuke us'kuy bU';ksjl sa blfy, 'krZ dk mYya?ku gksus ls Hkh jkf'k ns; ugha gSA vr% ifjokn [kkfjt fd;s tkus dh izkFkZuk dhA 5- fo}ku ftyk eap us mHk; i{k dh cgl lqu dj vkyksP; vkns'k ds }kjk ifjoknh dk ifjokn fo:} foi{kh vLohdkj dj [kkfjt dj fn;k ftlls O;fFkr gksdj vihykFkhZ dh vksj ls ;g vihy is'k dh gSA 6- geus mijksDr mHk; i{kh; cgl lquh ,oa i=koyh dk voyksdu fd;kA 7- fo}ku vf/koDrk vihykFkhZ us vihy eheks esa vafdr rF;ksa dks nksgjkrs gq, ;g Hkh rdZ fn;k rdZ gS fd mudk okgu la[;k vkj ts 09 th, 2767] fnukad 25-05-11 ls 24-05-12 rd dh vof/k ds fy, chfer Fkk ,oa blh vof/k ds nkSjku fnukad 17-02-12 dks ;g nq?kZVuk gqbZ gSA mDr okgu esa nks dadjhV feDlj e'khu ys tk;h tk jgh Fkh rc Vªksyk nq?kZVukxzLr gqvk gSA izR;FkhZ chek daiuh us bl okgu dk chek ;qfuloZy lksEikss tujy bU';ksjsl a da- dk chek ns[k dj fjU;w fd;k gSA ;qfuloZy lksEiks tujy bU';ksjsl a da-dh chek ikwfylh esas bl okgu dks Vªsyj ds :i esa gh nf'kZr fd;k gSA 8- blds vfrfjDr izn'kZ ,u , 7 chek daiuh dk nLrkost gS] ftlesa ;qfuloZy lksEikss tujy bU';ksjsal da- chek ds vk/kkj ij izR;FkhZ chek daiuh ds }kjk bl okgu dk chek fd;k tkuk fy[kk gSA vr% izR;FkhZ chek daiuh dks bl ckr dh lwpuk gks x;h Fkh fd mUgksua s Vsd a j dks cny dj Vªksyk cuk fy;k gSA blh vk/kkj ij izR;FkhZ }kjk chek djkrs le; uks Dyse cksul 45 izfr'kr fn;k gS rFkk xzkl s Oghdy osV isVs 7614:i;s pktZ fd;s gSA vr% vc chek daiuh dk bl vk/kkj ij chek Dyse [kkfjt djuk lgh ugha gS fd okgu ds Lo:i esa ifjorZu dj fn;k tks chek ikfylh dh 'krksZa dk mYya?ku gSA% 3 vihy la[;k 48 @15 eS0 th vkj cuke us'kuy bU';ksjl sa 9- blds izfrdwy fo}ku vf/koDrk izR;FkhZ chek daiuh dk ;g rdZ gS fd vihykFkhZ dk okgu Vsd a j ds :i esa jftLVMZ gS rFkk chek Hkh mudh vkj lh ns[k dj fd;k x;k gS A nq?kZVuk ds i'pkr losZ;j dh fjiksVZ ds vuqlkj vihykFkhZ us Vsd a j dks Vªksyk esa ifjofrZr dj fy;k ftl ij nks feDlj e'khu nq?kZVuk ds oDr ys tk;h tk jgh Fkh ,oa bldh lwpuk chek daiuh dks ugha nh u gh jftLVz~s'ku esa Vsd a j ds cnys Vªksyk dk vadu djok;kA 10- bl izdkj ftl okgu dk chek fd;k Fkk mldk iw.kZr;k Lo:i cny fn;k x;k gS] vr% chek dh 'krksZA dk mYya?ku gSA bl vk/kkj ij vihykFkhZ ifjoknh dk Dyse [kkfjt fd;k gS rFkk ftyk vk;ksx us Hkh tks fu.kZ; ikfjr fd;k gS og lgh gS vr% vihykFkhZ dh vihy [kkfjt djus dh izkFkZuk dhA 11- eSaus mHk; i{kksa dks lquk o i=koyh dk voyksdu fd;k ,oa fo}ku ftyk eap ds fu.kZ; dk voyksdu fd;kA 12- vihykFkhZ ifjoknh ds okgu ds jftLVz~s'ku lVhZfQdsV dk voyksdu djs rks mDr lVhZfQdsV izn'kZ lh 1 ds :i esa is'k fd;k x;k gS ftlesa VkbZi vkQ ckWMh ds vkxs Vsd a j fy[kk gqvk gS];kuh mDr okgu Vsd a j ds :i esa jftLVMZ gS] rFkk izn'kZ lh 2 nLrkost bl okgu dh chek ikWfylh gS tks 25-05-11 ls 24-05-12 rd izHkkoh Fkh ftlesa Hkh okgu dk esd VkVk 4018 Vsd a j vafdr gSA 13- mDr ikWfylh esa dgha ij Hkh ;g vafdr ugha gS fd mDr okgu dh ;qfuloZy lksEikss tujy bU';ksjsal da- dh iwoZ ikwfylh ns[k dj uohu ikWfylh izR;FkhZ us tkjh dh gSA tks uks cksul Dyse fn;k gS] og mDr okgu igys ls chfer Fkk ,oa ml vof/k esa fdlh izdkj dk chek Dyse ugha mBk;k x;k] bl ckcr fn;k x;k gSA vU;Fkk Hkh iwoZ dh ikWfylh tks izn'kZ lh 14 ds :i esa i=koyh is'k dh x;h gS mlls izR;FkhZ&chek daiuh fdlh Hkh :i esa ck/; ugha gSA 4 vihy la[;k 48 @15 eS0 th vkj cuke us'kuy bU';ksjl sa vr% rdZ ds fy;s ;g eku Hkh fy;k tk;s fd ;qfuloZy lksEiks tujy bU';ksjsl a da- us Vªsyj ds :i esa iz'uxr okgu dk chek fd;k Fkk] rks og chek lekIr gks pqdk gSA ,oa izR;FkhZ chek daiuh dh chek ikWfylh esa bl okgu dks Vsd a j ds :i esa gh nf'kZr fd;k x;k gS] tcfd Lohd`fr :i ls ifjoknh us Vsadj dks Vªksyk esa ifjofrZr dj fy;k gS ,oa bl nq?kZVuk dh fjiksVZ esa Hkh bl okgu dk mYys[k Vªksyk ds :i esa fd;k gS rFkk losZ;j dh fjiksVZ ds vuqlkj nq?kZVuk ds oDr nks dadjhV fefDlax e'khu mDr Vz~ksyk esa ys tk;h tk jgh FkhA 14- vr% tc vihykFkhZ&ifjoknh us Vsd a j dks Vªksyk es aifjofrZr dj fy;k Fkk rks mldks jftLVz~s'ku lVhZfQdsV esa lacfa /kr vFkksfjVh ls okgu ds Lo:i ifjofrZr djus dk bUnzkt djkuk pkfg, Fkk ,oa chek daiuh dks Hkh bldh lwpuk nsuh pkfg, Fkh rFkk Vz~ksyk vafdr djokuk pkfg, FkkA ijUrq Lohd`r :i ls ,slh dksbZ lwpuk chek daiuh izR;FkhZ dks ugha nh gS u gh jftLVz~s'ku lVhZfQdsV esa ifjorZu djok;k gSA bl izdkj vihykFkhZ ifjoknh us ikWfylh izn'kZ ,u , 1 ds viokn ekdZ lh 3&, ds vuqlkj okgu dk Lo:i vkSj mi;ksx ifjorZu dj fy;k gS tks chek ikfylh dh 'krksZa dk mYya?ku gSA ftl Lo:i esa okgu dk chek djok;k x;k Fkk mlls izfrdwy okgu dk Lo:i ifjofrZr dj fy;k rks fo"k; oLrq fHkUu gks x;h] ftlds fy, chek ugha fd;k x;k Fkk ;kfu tks chek fd;k x;k Fkk] og Vsd a j ds fy, Fkk Vªksyk ds fy;s ugha fd;k x;k Fkk rFkk nq?kZVuk ds oDr Vsadj esa eky ugha ys tk;k tk jgk Fkk cfYd Vªksyk ds :i esa eky dk ifjogu gks jgk FkkA bl izdkj chfer ls izfrdwy fo"k; oLrq nq?kZVuk ds oDr ik;h xbZA bl vk/kkj ij chekdaiuh us vihykFkhZ&ifjoknh dk Dyse [kkfjt fd;k gSA 15- fo}ku ftyk eap us Hkh vius fu.kZ; esa ;g mYys[k fd;k gS fd chekdaiuh us tks jsiqfM,'ku i= ekdZ lh& 12 tkjh fd;k gS mlesa ;gh mYys[k gS fd jftLVz~s'ku lfVZfQdsV esa Vadj vafdr gS tcfd 5 vihy la[;k 48 @15 eS0 th vkj cuke us'kuy bU';ksjl sa ?kVuk ds oDr ls Vz~ksyk ds :i esa ifjofrZr dj mlls dadjhV feDlj e'khu ifjogu dh tk jgh Fkh blfy, mDr i= izn'kZ lh 12 esa chek daiuh us ;g vafdr fd;k gS fd As per Commercial Vehicle Policy General Exceptions (3)(a) :The Company shall not be liable under this policy in respect of any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is being used otherwise than in accordance with the Limitations as to Use.
16- bl izdkj okgu dk ewy :icny dj mldh ckWMh esa ifjorZu dj fn;k x;k ,oa Vsd a j ds cnys Vªksyk cuk dj mi;ksx esa yk;k x;k ftldh lwpuk chek daiuh dks ugha nh x;h tks chek dh 'krksZa dk mYya?ku gSA 17- vihykFkhZ&ifjoknh us ;g rdZ fn;k gS fd chek ikWfylh djrs gq, izR;FkhZ us gsoh xqMl Oghdy dk ljpktZ Dyse fd;k gS ftlls ekuk tk;sxk fd chek daiuh dks mlds okgu dks Vªksyk esa ifjorZu dh lwpuk gks x;h FkhA ijUrq chek ikWfylh djrs le; xzksl Oghdy osV dk ljpktZ olwy fd;k gS mlls ;g ugha ekuk tk ldrk fd chek daiuh dks vihykFkhZ ds okgu Vsd a j dk Lo:i cny dj Vªksyk djus dh lwpuk gks x;h FkhA fo}ku vf/koDrk vihykFkhZ dk ;g Hkh rdZ gS fd chek daiuh us mlds okgu esa gqbZ {kfr dks 03]09]500:i;s esa lsVy djus dh lgefr ekaxh Fkh tks mlds }kjk nh x;h Fkh ftldk mYys[k izn'kZ ,u&,a 4 losZ;j fjiksVZ esa gSA blls Li"V gS fd chek daiuh chek dh {kfr Lo:i jkf'k vnk djus ds fy, mRrjnk;h FkhA blh dkj.k mUgksua s lsVyesaV dh lgefr mlls ekaxh FkhA ijUrq eSa muds bl rdZ ls H lger ugha gWwa D;ksfa d losZ fjiksVZ izn'kZ ,u , 4 esa losZ;j us Li"V :i ls ;g mYys[k fd;k gS fd It may Please be noted that as per policy and RC the vehicle is a Tanker Trailer while at the time of accident the vehicle profile / identity was changed to open trailer without obtaining necessary endorsement from the insurer Under the circumstances when the vehicle dentity is not found as per insurance policy and RC the claim is not admissible in our candid opinion. However the asswessment of loss is carried out merely to indicate insurer's liability had the loss been admitted.
6vihy la[;k 48 @15 eS0 th vkj cuke us'kuy bU';ksjl sa 18- bl izdkj mUgksaus ikWfylh dh VeZl~ ,aM dafM'kul~ ds rgr gh lsVyesaV djus dh ckr dgh gS ,oa lacfa /kr czkap dh gsM vkWfQl dks mDr lgefr Hksth x;h gS ftl ij chek daiuh dh vksj ls izn'kZ ,u, 5 i= fnukad 27-06-12 ifjoknh&vihykFkhZ dks fy[kk gS ftlesa ;g mYys[k gS fd%& mDr okgu dh ikWfylh Vsd a j dh]dh x;h FkhA tcfd ?kVuk ds oDr mldk vU;Fkk mi;ksx fy;k tk jgk FkkA blds vfrfjDr ;g Hkh mYys[k fd;k gS fd Vsadj dk mi;ksx cny dj Vªksyk dj fn;k Fkk ftlesa nks dadfjV fefDlax e'khu ys tk;h tk jgh Fkh tks chek 'krksZa dk mYya?ku gSA 19- blds vfrfjDr ;g Hkh fy[kk gS fd vihykFkhZ us vkj lh] Mh ,y] ijfeV] fQVusl o thvkj vkfn losZ;j dks ekSds ij ;k ckn esa izLrqr ugha fd;sA vr% vihykFkhZ&ifjoknh dks ;g i= Hkst dj bl laca/k esa muds desaV ekaxs gS ftldk tokc 06-07-12 dks vihykFkhZ&ifjoknh us fn;k gS ,oa mDr Vsadj dks Vªksyk esa cny fn;k rFkk bl izdkj mldk jftLVz~s'ku o ikWfylh ls fHkUu mi;ksx fd;k ml iz'u dk tokc nsus ds fy, ,d eghus dk VkbZe ekaxk gSA mlds ckn fdlh izdkj dk tokc chek daiuh izR;FkhZ ds i= izn'kZ ,u , 5 dk fn;k gks] ,slk dksbZ nLrkost i=koyh ij is'k ugha fd;k gSA ftl ij izn'kZ ,u , 1 i= fnukad 21-11-12 ls chek daiuh us vihykFkhZ dk Dyse [kkfjt fd;k gSA blls Hkh ;g Li"V gS fd vihykFkhZ us vius okgu dh vkj lh o vU; nLrkost nq?kZVuk ds i'pkr ekSdk fujh{k.k djrs le; ;k mlds ckn chek daiuh dks miyC/k ugha djok;s ,oa ;g Li"Vhdj.k Hkh ugha fn;k fd Vsd a j dk mi;ksx Vªksyk ds :i esa djus dh lwpuk mlus chekdaiuh dks D;ks ugh nh FkhA 20- bl izdkj vius okgu esa vkeqypwy ifjorZu djrs gq, mldk mi;ksx fd;k tks chek ikfylh dh 'krksZa dk mYya?ku gS vr% lsVyesaV dh jkf'k Hkh chek daiuh us chek ikWfylh dh 'krksZa dk mYya?ku djus ds dkj.k ugha nh gSA bl izdkj izR;FkhZ chek daiuh 7 vihy la[;k 48 @15 eS0 th vkj cuke us'kuy bU';ksjl sa us fdlh izdkj dk lsok nks"k dkfjr ugha fd;k gS ,oa fo}ku ftyk eap uss Hkh ifjoknh dk ifjokn [kkfjt fd;k gS og fcYdqy lgh gS mlesa fdlh izdkj dh =qfV ugha gSA bl izdkj vihykFkhZ dh vihy esa dksbZ lkj ugha gksus ls vLohdkj fd;s tkus ;ksX; ik;h tkrh gSA vk ns 'k vihykFkhZ@ifjoknh dh vksj ls izR;FkhZ@foi{kh ds fo:} izLrqr ;g vihy vLohdkj dh tkdj fo}ku ftyk miHkksDrk eap] mn;iqj ds }kjk izdj.k la[;k 326@13 th vkj bUQzkizkstDs V~l fyfe- cuke us'kuy bU';ksjsal d-fya esa ikfjr fu.Zk; fnukad 09-02-15 iq"V fd;k tkrk gSA ¼jkeQwy xqtZj ½ ¼lqJh mfeZyk oekZ½ lnL; ihBklhu lnL;
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