State Consumer Disputes Redressal Commission
Jitendra Kumar Yadav vs Manager Iffco Tokio General Insurance ... on 28 August, 2017
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2017/218 lafLFkr fnukad&08.03.2017.
ftrsanz dqekj ;kno mQZ ftrsanz ;nqoa'kh] vk;q yxHkx 37 o"kZ] izks Jhjke fdjk;k Hk.Mkj] fuoklh&tekrikjk] xq:}kjk ds ikl] okMZ Øekad&24] rglhy o ftyk jktukanxkao ¼N-x-½ ----- vihykFkhZ@ifjoknh-
fo:) 'kk[kk izca/kd] bQdks Vksfd;ks tujy ba';ksjsal da- fyfe-
}kjk 'kk[kk izca/kd] 'kk[kk dk;kZy;&irk&vuqie uxj] dkSfju HkkBk jksM] Qqjlr ds iy gksVy ds lkeus rg- o ftyk jktukanxkao ¼N-x-½ ------- mRrjoknh@vukosnd- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k- ekuuh; Jh Mh-ds-iksn~nkj] lnL;-
ekuuh; Jh ujsanz xqIrk ] lnL;-
i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh lat; JhokLro] vf/koDRkkA mRrjoknh dh vksj ls Jh ih- ds- ikWy] vf/koDrkA vkns'k fnukad% 28@08@2017 }kjk%&ekuuh; U;k;ewfrZZ 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] jktukanxkao ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&2016@112 esa ikfjr vkns'k fnukad& 09-02-2017 ftlds }kjk vihykFkhZ@ifjoknh ds ifjokn dks vkaf'kd :i // 2 // ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd vkns'k fnukad ls 1 ekg dh vof/k ds Hkhrj%& ^^¼1½ vkns'k fnukad ls 1 ekg ds Hkhrj vukosnd chek daiuh ] ifjoknh dks {kfriwfrZ jkf'k :-
1]69]290@& ¼,d yk[k mugRrj gtkj nks lkS uCcs :i,½ dk Hkqxrku djsxk A fofgr vof/k ds Hkhrj jkf'k dk Hkqxrku u fd;s tkus ij vkns'k fnukad ls Hkqxrku frfFk rd 6 izfr'kr okf"kZd dh nj ls C;kt lfgr Hkqxrku djsxk A ¼2½ vkns'k fnukad ls ,d ekg ds Hkhrj vukosnd chek daiuh ifjoknh dks ekufld {kfriwfrZ ds :i esa :-
5]000@& ¼ikap gtkj :i,½ vnk djsaA ls nqf[kr gksdj izLrqr fd;k gS A 02- ftyk Qksje ds le{k vihykFkhZ@ifjoknh dk ifjokn laf{kIr esa bl izdkj jgk gS fd vihykFkhZ@ifjoknh Jhjke fdjk;k Hk.Mkj dk lapkyd gS rFkk mRrjoknh@vukosnd chek daiuh tks lHkh izdkj ds okgu nq?kZVuk chek] vfXu nq?kZVuk chek] fpfdRlh; chek bR;kfn chek laca/kh dk;Z djrs gSa rFkk chek vof/k E;kn ds nkSjku fdlh vfiz; ?kVuk ds ?kV tkus ij chek ikWfylhuqlkj {kfriwfrZ gsrq Dyse dh jkf'k dk Hkqxrku djrs gSaA mRrjoknh@vukosnd }kjk fu;qDr o izkf/kd`r ,tsaV fouksn lkgw ,oa losZ;j }kjk fdjk;k Hk.Mkj ls lacaf/kr fdjk;k lkefxz;ksa ds LVkWd o muds LVkWd jftLVj rFkk miyC/k laiw.kZ nLrkostksa dk lw{e xgu voyksdu dj vfXu nq?kZVuk chek laca/kh tkudkjh vihykFkhZ@ifjoknh dks nh rRi'pkr~ mRrjoknh@vukosnd chek daiuh // 3 // }kjk vihykFkhZ@ifjoknh dks ;g ekSf[kd vk'oklu fn;k vkSj dgk fd mDr vfXu nq?kZVuk chek 1 o"kZ ds fy, gksxh ftldh fizfe;e jkf'k 3534@&¼rhu gtkj ikap lkS pkSrhl :i,½ jgsxhA mDr chek ikWfylh esa mYysf[kr le;kof/k E;kn ds nkSjku ;fn vkids fdjk;k Hk.Mkj esa vkdfLed vkx yx tkus ls fdjk;k HkaMkj esa j[ks fdjk;k HkaMkj ls lacaf/kr lkefxz;ksa dh vfXu nq?kZVuk ls gkfu@{kfr gksrh gS rks mlds fdjk;k Hk.Mkj dh lkefxz;ksa dh {kfriwfrZ gsrq chek daiuh 10]00]000@&¼nl yk[k :i,½ dk Hkqxrku 15 fnuksa ds Hkhrj iznku dj nsxh A mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh dks fn;s x;s vfXu nq?kZVuk {kfriwfrZ chek laca/kh tkudkjh o ekSf[kd vk'oklu i'pkr~ vihykFkhZ@ifjoknh us vius LokfeRo o vkf/kiR; ds Jhjke fdjk;k HkaMkj dk vfXu nq?kZVuk {kfriwfrZ chek fizfe;e jkf'k&3534@&¼rhu gtkj ikap lkS pkSrhl :i,½ mRrjoknh@vukosnd chek daiuh dks iznku dj jkf'k 10]00]000@&¼nl yk[k :i,½ dk vius LokfeRo ds Jhjke fdjk;k HkaMkj dk vfXu nq?kZVuk uqdlkuh {kfriwfrZ chek djk;kA rRi'pkr~ mRrjoknh@vukosnd us vihykFkhZ@ifjoknh dks chek ikWfylh iznku fd;k ftldk ikWfylh Øekad&11817546 gS tks fnukad&27-10-2015 ls fnukad&26-10-2016 rd dh vof/k ds fy, chfer gSA fnukad&14-12-2015 nksigj yxHkx 2-00 cts vihykFkhZ@ifjoknh ds fdjk;k Hk.Mkj esa vkdfLed Hkh"k.k vkx yx tkus ls fdjk;k HkaMkj esa j[ks laiw.kZ xn~nk] crZu] Vscy] ps;j] pqYgk] ia[kk lfgr fdjk;k HkaMkj ls lacaf/kr laiw.kZ lkexzh o nLrkost Hkou lfgr iw.kZ :i ls tydj u"V gks x;s ftlls // 4 // vihykFkhZ@ifjoknh dks 23]00]000@&¼rsbZl yk[k :i,½ dk uqdlku gqvkA mDr vfXu nq?kZVuk i'pkr~ vihykFkhZ@ifjoknh }kjk ?kVuk fnukad&14-12-2015 dks nwjHkk"k ds ek/;e ls o Loa; mRrjoknh@vukosnd chek daiuh ds dk;kZy; esa mifLFkr gksdj nh xbZ ,oa mDr vfXu nq?kZVuk dh fjiksVZ Fkkuk clariqj ftyk jktukanxkao esa ntZ djk;h x;h ftldk vkxtuh Øekad&06@15 ntZ dj foospd }kjk uqdlkuh iapukek rS;kj fd;k x;kA rRi'pkr~ fnukad&15-12-2015 o 19-12-2015 dks Hkh vihykFkhZ@ifjoknh }kjk mRrjoknh@vukosnd ds dk;kZy; esa Loa; mifLFkr gksdj fyf[kr esa vkosnu izLrqr dj fdjk;k HkaMkj esa gqbZ vfXu nq?kZVuk ls {kfr dh {kfriwfrZ jkf'k ikWfylh vuqlkj 10]00]000@&¼nl yk[k :i,½ dh ekax dh xbZA mDr vkosnu&i= izLrqr djrs le; tc vihykFkhZ@ifjoknh us izLrqr vkosnu i= dh izfr ij ikorh dh ekax dh rks mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh ls dgk fd ikorh dh vko';rk ugha gSA yxHkx 10 fnuksa dk le; O;rhr gks tkus ds i'pkr~ Hkh tc mRrjoknh@vukosnd }kjk fdlh Hkh izdkj dh lwpuk ugha nsus rFkk {kfriwfrZ jkf'k dk Hkqxrku ugha fd;s tkus ij vihykFkhZ@ifjoknh fnukad&28-12-2015 o 05-01-2016 dks iqu% mRrjoknh@vukosnd ds dk;kZy; esa Lor% mifLFkr gqvk rc mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh ls dgk x;k fd vkids }kjk izLrqr vkosnu o nLrkost ugha fn[k jgk gS fQj ls vkosnu o nLrkost tek dj nks rc vihykFkhZ@ifjoknh }kjk rRdky vius ikl miyC/k {kfriwfrZ jkf'k dh ekax gsrq fy[ks x;s vkosnu&i= e; miyC/k nLrkost // 5 // mRrjoknh@vukosnd dks rRdky iznku dj fn;k x;k rFkk vkosnu&i= izLrqr djrs le; Hkh tc vihykFkhZ@ifjoknh us mRrjoknh@vukosnd ls iqu% izLrqr vkosnu&i= dh izfr ij eqgj lfgr gLrk{kj dj ikorh dh ekax dh rc mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh dks Li"V :i ls badkj dj fn;k x;kA mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh dks foxr~ dbZ efguksa rd vius dk;kZy; dk pDdj dVokrs jgs fdUrq tc vihykFkhZ@ifjoknh dks mDr jkf'k dk Hkqxrku ugha fd;s rc vihykFkhZ@ifjoknh us fnukad&27-04-2016 dks ,d fyf[kr vkosnu&i= jftLVMZ Mkd ds ek/;e ls {kfriwfrZ jkf'k 10]00]000@&¼nl yk[k :i,½ dh ekax ckcr~ mRrjoknh@vukosnd dks izsf"kr fd;k ftl ij mRrjoknh@vukosnd }kjk fnukad&26-04-2016 o 27-04-2016 dks vaxzsth esa fy[kk jftLVMZ i= Mkd }kjk izsf"kr fd;k tks vihykFkhZ@ifjoknh dks fnukad&28-04-2016 o 29-04-2016 dks izkIr gqvk ftlesa mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh ij ncko Mkyrs gq, ek= 1]69]290@&¼,d yk[k mugRrj gtkj nks lkS uCcs :i,½ dk gh iznku fd;k tkosxk dk mYys[k fd;k x;kA fnukad&31-05-2016 dks vihykFkhZ@ifjoknh dks i= izkIr gqvkA mDr uksfVl ls mRrjoknh@vukosnd }kjk mYysf[kr fd;k x;k fd 7 fnol ds Hkhrj 1]68]757@&¼,d yk[k vMqlB gtkj lkr lkS larkou :i,½ izkIr dj ysus dk funsZ'k fn;k vkSj i= esa ;g Hkh mYys[k fd;k fd 7 fnol ds Hkhrj ;g jde izkIr ugha djus ij ;g jkf'k Hkh iznku ugha dh tkosxh vkSj gekjh laiw.kZ ftEesnkjh lekIr gks tkosxhA rc vihykFkhZ@ifjoknh] // 6 // mRrjoknh@vukosnd ds dk;kZy; esa chek ikWfylhuqlkj {kfriwfrZ jkf'k 10]00]000@&¼nl yk[k :i,½ dh ekax gsrq mRrjoknh@vukosnd ds le{k Lor% mifLFkr gqvk rc mRrjoknh@vukosnd }kjk vihykFkhZ@ifjoknh dks Mjkrs&/kedkrs gq, Hkxk fn;k x;kA mRrjoknh@vukosnd chek daiuh us vihykFkhZ@ifjoknh ds lkFk Ny& diV dj vihykFkhZ@ifjoknh ds lgefr ds fcuk gh lgefr&i= izsf"kr fd;k gSA mDr lgefr ds laca/k eas vihykFkhZ@ifjoknh dks dksbZ tkudkjh ugha gS vkSj u gh vihykFkhZ@ifjoknh us chek daiuh dks dHkh lgefr iznku dh vkSj u gh vihykFkhZ@ifjoknh dks lgefr i= esa mYysf[kr /kujkf'k izkIr gqbZ gSA mRrjoknh@vukosnd chek daiuh us tku&cw>dj iwokZxzg ls xzflr gksdj vihykFkhZ@ifjoknh dks lgefr i= izsf"kr fd;k rkfd Qksje esa ekeyk nkf[ky gksus ij mRrjoknh@vukosnd daiuh viuk cpko dj ldsA vihykFkhZ@ifjoknh dks vfXu nq?kZVuk dh {kfriwfrZ gsrq chek Dyse dh {kfriwfrZ jkf'k chek ikWfylhuqlkj jkf'k 10]00]000@&¼nl yk[k :i,½ dk Hkqxrku vihykFkhZ@ifjoknh dks ugha fd;s tkus dk dkj.k mRrjoknh@vukosnd dk mDr d`R; vihykFkhZ@ifjoknh ds izfr lsok esa dh xbZ ?kksj deh dh Js.kh esa vkrk 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 tkos A 03 mRrjoknh@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd vihykFkhZ@ifjoknh // 7 // ds }kjk izdj.k esa leqfpr ,oa vko';d i{kdkj dk la;kstu ugha fd;k x;k gS vkSj ,slh fLFkfr eas vihykFkhZ@ifjoknh dk ifjokn izpyu ;ksX;
ugha gSA vihykFkhZ@ifjoknh dks u rks ikorh nsus ls badkj fd;k x;k vkSj u gh fdlh izdkj dh /kedh nh xbZA vihykFkhZ@ifjoknh ls mRrjoknh@vukosnd ds }kjk dHkh Hkh fdlh Hkh izdkj ls Ny diV ugha fd;k x;kA tgka rd lgefr i= dk laca/k gS og mRrjoknh@vukosnd dh vksj ls nkos ds fujkdj.k ds lkekU; vuqØe esa dh xbZ dk;Zokgh gSA ,slk izrhr gksrk gS fd vihykFkhZ@ifjoknh ds }kjk vius ifjokn eas vk;h deh dks nwj djus dh xjt ls rFkk eq[; fo"k; ls fo"k;karj djus dh xjt ls la'kks/ku izLrkfor fd;k x;k gSA vihykFkhZ@ifjoknh dh vksj ls izLrqr nkos bR;kfn ds laca/k esa fujkdj.k ckcr~ chek daiuh dh vksj ls losZ;j ,oa ykWl ,lslj fdj.k NkcM+k dks vf/kd`r fd;k x;k Fkk vkSj muds }kjk fnukad&29-03-2016 dks QkbZuy losZ ,.M ,llsesaV fjiksVZ izLrqr dh xbZ ftlesa vihykFkhZ@ifjoknh ds nkos ds laca/k esa fofHkUu rF;ksa ds laca/k esa tkudkjh nLrkost bR;kfn izkIr dj foLr`r fooj.k fn;k x;k gS ftlds vk/kkj ij chek daiuh dh vksj ls vihykFkhZ@ifjoknh dks fnukad&27-04-2016] 25-05-2016 ,oa fnukad&09- 06-2016 dks i= fy[kdj mDr jkf'k izkIr djus esa viuh lgefr gsrq vko';d nLrkost fu"ikfnr djus ds laca/k esa fuosnu fd;k x;k ijarq vihykFkhZ@ifjoknh ds }kjk mldk dksbZ tokc ugha fn;k x;kA chek daiuh dh vksj ls mDr i=ksa ds ek/;e ls vihykFkhZ@ifjoknh ds nkos ds laca/k esa fujkdj.k gsrq fooj.k Hkh iznku fd;k x;kA bl izdkj // 8 // vihykFkhZ@ifjoknh ds izfr mRrjoknh@vukosnd chek daiuh ds }kjk fdlh Hkh izdkj ls lsok esa deh ugha dh xbZA mDr dFku vukosnd chek daiuh dh vksj ls fnukad&09-06-2016 dks vihykFkhZ@ifjoknh dks jftLVMZ Mkd ls izsf"kr dj lwfpr fd;k x;k Fkk ftlds ckotwn Hkh muds }kjk okafNr dk;Zokgh ugha fd;s tkus ds dkj.k bl mRrjoknh@vukosnd ds }kjk fdlh Hkh izdkj ls vihykFkhZ@ifjoknh ds izfr lsok esa deh ugha dh xbZ vkSj bl dkj.k vihykFkhZ@ifjoknh dk ifjokn fujLrh ;ksX; gSA vr% ifjokn lO;; fujLr fd;k tkosA 04 vihykFkhZ@ifjoknh dh vksj ls ftyk Qksje ds le{k vius i{k leFkZu esa vkx cq>kbZ LFky izfrosnu fnukad&14-12-2015 dh Nk;kizfr (Anx A-01)] uqdlkuh iapukek fnukad&21-12-2015 dh Nk;kizfr (Anx A-
02)] mRrjoknh@vukosnd chek daiuh dks jftLVMZ Mkd ls Hksts x;s uksfVl fnukad&27-04-2016 dh Nk;kizfr] (Anx A-03)] jlhn fnukad&27- 04-2016 dh Nk;kizfr (Anx A-04)] uksfVl dh ikorh fnukad&30-04-2016 dh Nk;kizfr (Anx A-05)] chek ikWfylh fnukad&27-10-2015 ls 26-10-2016 rd E;kn dh oS/krk dh Nk;kizfr (Anx A-06)] mRrjoknh@vukosnd chek daiuh }kjk Hksth x;h uksfVl e; fyQkQk dUlVZ ysVj fnukad&26-04- 2016 dh Nk;kizfr (Anx A-07)] mRrjoknh@vukosnd chek daiuh }kjk Hksth x;h uksfVle; fyQkQk fnukad&27-04-2016 dh Nk;kizfr (Anx A-
08)] mRrjoknh@vukosnd chek daiuh }kjk Hksth x;h uksfVl e; fyQkQk fnukad&26-05-2016 dh Nk;kizfr (Anx A-09)] fMLpktZ okmpj // 9 // fnukad&13-05-2016 dh Nk;kizfr] (Anx A-10)] vihykFkhZ@ifjoknh dk vk/kkj dkMZ dh Nk;kizfr (Anx A-11)] Jhjke fdjk;k HkaMkj esa gq, vfXu nq?kZVuk dk QksVksxzk¶l dk vly (Anx A-12)] ckykth LVwfM;ks dk fcy fnukad&14-12-2015 dh Nk;kizfr] (Anx A-13)] isu dkMZ dh Nk;kizfr (Anx A-14)] bUde VSDl fjVuZ OgsjhfQds'ku QkeZ 2015&16 (Anx A-15)] Mh-Ogh-Mh- 1 ux (Anx A-16) izLrqr fd;k gSA 05 mRrjoknh@vukosnd dh vksj ls ftyk Qksje ds le{k vius i{k leFkZu esa chek ikWfylh ,oa fu;e o 'krksZa dh Nk;kizfr (Anx NA-1)] losZ;j fjiksVZ fnukad&29-03-2016 dh Nk;kizfr (Anx NA-2)] vihykFkhZ@ifjoknh dks Hkstk x;k i= fnukad&09-06-2016 dh Nk;kizfr (Anx NA-3) izLrqr fd;k gSA 06- mHk;&i{k }kjk izLrqr vfHkopu ,oa nLrksoth lk{;ksa ds ifj'khyu ds Ik'pkr~ ftyk Qksje us vihykFkhZ@ifjoknh ds ifjokn dks vkaf'kd :i ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gS A 07- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lat; JhokLro dk rdZ gS fd vihykFkhZ@ifjoknh us mRrjoknh@vukosnd chek daiuh ls vius fdjk;k Hk.Mkj dk 10]00]000@&¼nl yk[k :Ik;s½ dk chek djk;k Fkk tks fnukad&27-10- 2015 ls 26-10-2016 rd dh vof/k ds fy, izHkkoh Fkk vkSj fnukad&14-12- // 10 // 2015 dks nksigj 2%00 cts fdjk;k Hk.Mkj esa vkx yx tkus ls fdjk;k Hk.Mkj esa j[ks laiw.kZ xn~nk] crZu] Vscy] ps;j] pqYgk] ia[kk vkfn ty x;k Fkk ftldh rRdky lwpuk Qk;j fczxsM ,oa iqfyl Fkkus dks nh xbZ Fkh vkSj vkx dks cq>k;k x;k FkkA iqfyl us {kfr dk vkadyu djrs gq, ;g ik;k Fkk fd vihykFkhZ@ifjoknh dks 23]00]000@&¼rsbZl yk[k :Ik;s½ dh {kfr gqbZ gS vkSj pwafd vihykFkhZ@ifjoknh ds fdjk;k Hk.Mkj dk 10]00]000@&¼nl yk[k :Ik;s½ dk chek djk;k x;k Fkk blfy, vihykFkhZ@ifjoknh us mDr lhek rd nkok izLrqr fd;k Fkk] ijUrq mRrjoknh@vukosnd chek daiuh }kjk dsoy 1]69]290@&¼,d yk[k mugRrj gtkj nks lkS uCcs :Ik;s½ dh jkf'k Lohdkj dj vihykFkhZ@ifjoknh dks fMLpktZ OgkÅpj fu"ikfnr djus gsrq ncko Mkyk x;kA pwafd vihykFkhZ@ifjoknh dks 10]00]000@&¼nl yk[k :Ik;s½ ls vf/kd dh {kfr gqbZ Fkh vkSj tks iqfyl izfrosnu ls Li"V izekf.kr gS] mlds ckn Hkh mRrjoknh@vukosnd chek daiuh }kjk mDr jkf'k iznku ugha dj Li"V :Ik ls lsok esa deh fd;k gS vkSj ftyk Qksje us bu rF;ksa dks /;ku ugha fn;k gS vkSj losZ;j fjiksVZ ds vk/kkj ij dsoy 1]69]290@&¼,d yk[k mugRrj gtkj nks lkS uCcs :Ik;s½ fn;s tkus dk vkns'k ikfjr fd;k gS tks fd =qfViw.kZ gSA vihykFkhZ@ifjoknh] ifjokn&i= esa of.kZr vuqlkj vuqrks"k izkIr djus dk vf/kdkjh gSA vr% vihykFkhZ@ifjoknh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k dks la'kksf/kr djrs gq, vihykFkhZ@ifjoknh }kjk okafNr vuqrks"k iznku dh tkosA // 11 // 08- mRrjoknh@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd losZ;j fjiksVZ ,d egRoiw.kZ nLrkost gksrk gS vkSj tc rd mls vU;Fkk :Ik ls [kf.Mr uk dj fn;k tkos] ml ij vfo'okl djus dk dksbZ vk/kkj fo|eku ugha gS rFkk losZ;j us {kfr dk vkadyu fd;k gS og iw.kZr% rF;ksa ij vk/kkfjr gS vkSj iqfyl }kjk tks {kfr dk vkadyu fd;k tkrk gS og lk{; esa xzkg~; ugha gS vkSj mlds vk/kkj ij {kfr dk fu/kkZj.k ugha fd;k tk ldrk gSA ftyk Qksje us mfpr :Ik ls vkns'k ikfjr fd;k gSA vr% vihykFkhZ@ifjoknh dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 09- 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 ifj'khyu fd;k x;kA 10- ;g vfookfnr gS fd vihykFkhZ@ifjoknh Jhjke fdjk;k Hk.Mkj dk lapkyd gS vkSj vihykFkhZ@ifjoknh }kjk mRrjoknh@vukosnd chek daiuh ls vius mDr nqdku ds laca/k esa LVS.MMZ Qk;j ,.M Lis'ky isfjYl ikWfylh izkIr fd;k Fkk ftldk chfer ewY; 10]00]000@&¼nl yk[k :Ik;s½ Fkk vkSj mDr ikWfylh fnukad&27-10-2015 ls 26-10-2016 rd ds fy, izHkkoh FkkA ;g Hkh Lohd`r gS fd fnukad&14-12-2015 dks vihykFkhZ@ifjoknh dh mDr nqdku esa vkx yxk FkkA vihykFkhZ@ifjoknh dh vksj ls nLrkost dzekad&1 izLrqr fd;k x;k gS tks fd vkx cq>kbZ LFky izfrosnu gS rFkk uqdlkuh iapukek ls Hkh Li"V gS fd // 12 // vihykFkhZ@ifjoknh dh nqdku esa fnukad&14-12-2015 dks nksigj 2%00 cts ds djhc vkx yxk Fkk vkSj ftls Qk;j fczxsM }kjk cq>k;k x;k FkkA 11- vc ;g ns[kuk gS fd D;k vihykFkhZ@ifjoknh laiw.kZ chfer jkf'k izkIr djus dk vf/kdkjh gS\ 12- vihykFkhZ@ifjoknh dh vksj ls uqdlkuh iapukek izLrqr fd;k x;k gSA iqfyl us vius uqdlkuh iapukek esa 23]00]000@&¼rsbZl yk[k :Ik;s½ dh {kfr dk vkadyu fd;k gS] ijUrq vihykFkhZ@ifjoknh dh vksj ls ,slk dksbZ nLrkost izLrqr ugha fd;k x;k gS ftlls ;g izdV gks fd ftl le; nqdku esa vkx yxh Fkh ml le; mldh nqdku esa tks chfer jkf'k gS] mrus dk lkeku LVkWd esa Fkk vkSj tgka rd iqfyl }kjk tks uqdlkuh iapukek cuk;k tkrk gS og lk{; esa xzkg~; ugha gksrk gS] dsoy ,d laiks"kd lk{; ds :Ik esa gh mldk mi;ksx fd;k tk ldrk gSA 13- mRrjoknh@vukosnd ds }kjk bl izdj.k esa fdj.k NkcM+k dks losZ;j fu;qDr fd;k x;k Fkk vkSj fdj.k NkcM+k us viuh fjiksVZ esa tks fd QkbZuy losZ ,.M vlslesaV fjiksVZ fnukad&29-03-2016 dks iznku fd;k x;k gS vkSj ftlesa Li"V :Ik ls mlus mYysf[kr fd;k gS fd og ?kVuk LFky ij tkdj tkap dh Fkh rFkk nqdku ds laca/k esa viuh fjiksVZ esa fooj.k nh gS rFkk fjiksVZ ds ist dz-&3 dh dafMdk&10 esa {kfr ds laca/k esa foLr`r dkj.k nf'kZr djrs gq, {kfr dk vkadyu dh gSA mlh izdkj ist&5 dh dafMdk&13 esa fjekDlZ dkWye esa Hkh mYysf[kr dh gS vkSj // 13 // mlds vk/kkj ij {kfr dk vkadyu 1]69]290@&¼,d yk[k mugRrj gtkj nks lkS uCcs :Ik;s½ dh xbZ gSA 14- tgka rd losZ;j fjiksVZ dk laca/k gS og ,d egRoiw.kZ lk{; gksrk gS vkSj mls ewY;oku lk{; ds :Ik esa xzg.k fd;k tk ldrk gSA 15- Devendra Malhotra Vs. United India Insurance Co. Ltd. & Anr. 2016 (3) CLT 525 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986, Sections 2 (1) (g), 19 & 21 (a) (ii)- Insurance claim Surveyor report Held It is a established legal proposition that the report made by the surveyor, who is a professional in his field, cannot disbelieved, unless there are cogent and convincing reasons to do so."
16- Oriental Insurance Co. Ltd. Vs. Pavan Enterprises & Anr. I (2016) CPJ 503 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. I see no reason to discard the report of the Surveyor. He appears to be a guideless witness. No motive was ever attributed to him. There must be some reasonable ground or doubt to reject his report. The report of the Surveyor carries infinite significance as was held in Roshan Lal Oil Mills Ltd. & Ors., 2014 (SLT Soft) 1 = 2014 // 14 // (CPJ Soft) 1 = (2000) 10 Supreme Court Cases 19 and in D.N. Badoni v. Oriental Insurance Co. Ltd., I (2012) C.P.J. 272 (NC)."
17. New India Assurance Company Ltd. Vs. Balaji Emporium I (2015) CPJ 588 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& **losZ;j fjiksVZ dks Ik;kZIr egRo nsuk pkfg, tc rd fd mls vLohd`r djus ds fy, Ik;kZIr ,oa Bksl vk/kkj fo|eku ugha gSA** 18- blh izdkj Iffco-Tokio General Insurance Co. Ltd. Vs. Beena Raghav III (2015) CPJ 75 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& **losZ;j ,d Lora= O;fDr gksrk gS vkSj mlds }kjk tks fjiksVZ fn;k tkrk gS mldk lkf{kd egRo gS vkSj mls rc rd vuns[kk ugha fd;k tk ldrk tc rd mls fo'oluh; lk{; ds }kjk [kf.Mr u dj fn;k tkosA**
19. M/s. Hinafil India Limited vs. United India Insurance Company Limited & Another, 2015 (3) CPR 35 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Surveyor being a third person, report submitted by him is entitled to a great weight and should ordinarily be accepted."
// 15 // 20- vihykFkhZ@ifjoknh dh vksj ls ,slk dksbZ Hkh lk{; izLrqr ugha fd;k x;k gS ftlds vk/kkj ij losZ;j dh fjiksVZ ij vfo'okl fd;k tk lds vkSj losZ;j }kjk {kfr dk vkadyu 1]69]290@&¼,d yk[k mugRrj gtkj nks lkS uCcs :Ik;s½ fd;k x;k gS tks fd mfpr gS vkSj ftyk Qksje us losZ;j fjiksVZ ds vk/kkj ij gh {kfriwfrZ jkf'k iznku fd;k gS tks fd iw.kZr% mfpr gSA 21- mijksDr foospuk ds ifjizs{; esa ftyk Qksje }kjk ikfjr vkyksP; vkns'k iw.kZr% mfpr gSA mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS vkSj uk gh fdlh izdkj ds gLr{ksi dh vko';drk gSA 22- vr% ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&09-02-2017 dh iqf"V djrs gq, vihykFkhZ@ifjoknh dh vksj ls izLrqr vihy lkjghu gksus ls fujLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼ Mh-ds-iksn~nkj ½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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