State Consumer Disputes Redressal Commission
The New India Assurance Co. Ltd. vs Arvind Kumar on 18 September, 2012
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dh fVIi.kh dh] fd okgu dk chek Jh vjfoan dqekj ds uke ls gSA vr% Jherh chVk] ftuds uke okgu iathÑr gS] dk dksbZ ba';ksjscy bUVjsLV ugha gksus ds dkj.k chek dEiuh ekeys ij fopkj djsA foi{kh dEiuh us bl vk/kkj ij fd Jherh chVk vkSj chek dEiuh ds e/; okgu ds chek ds lEcU/k esa dksbZ vuqcU/k ugha gS] nkok vLohdkj dj fn;kA ifjoknhx.k }kjk bls foi{kh & chek dEiuh }kjk dh xbZ lsok esa deh ekurs gq, ,d miHkksDrk ifjokn ftyk Qksje] nsgjknwu ds le{k çLrqr fd;k x;kA ftyk Qksje us okn ds leLr rF;ksa ij fopkj djus ds ckn vius fu.kZ;kns'k fnuakd 06-01-2009 }kjk miHkksDrk ifjokn vkaf'kd :i ls Lohdkj djrs gq, foi{kh & chek dEiuh dks mijksDrkuqlkj vknsf'kr fd;kA vkns"k ls {kqC/k gksus ij foi{kh & chek dEiuh }kjk ;g vihy çLrqr dh x;h gSA 3- bl vk;ksx us vius vkns'k fnukad 25-06-2012 }kjk lquokbZ gsrq vfUre frfFk fnukad 03-09-2012 fu;r dh Fkh] ijUrq ;g vfUre volj fn;s tkus ds ckotwn bl frfFk dks çR;FkhZx.k & ifjoknhx.k ds fo}ku vf/koDrk us iqu% lquokbZ LFkfxr djus gsrq çkFkZuk i= fn;kA vr% geus fnuakd 03-09-2012 dks vihykFkhZ ds fo}ku vf/koDrk dks lqukA fnuakd 14-09-2012 dks çR;FkhZx.k & ifjoknhx.k ds fo}ku vf/koDrk mifLFkr gq,] vr% geus mUgsa Hkh lquk vkSj vfHkys[k dk voyksdu fd;kA 4- vihykFkhZ ds fo}ku vf/koDrk dk eq[; rdZ ;g gS fd okgu dk chek Jh vjfoan dqekj ds uke ls gS] ijUrq os okgu ds iathÑr Lokeh ugha gSaA okgu dh iathÑr Lokfeuh Jherh chVk gSa vkSj muds uke ls chek ikWfylh u gksus ds dkj.k 3 vihykFkhZ & chek dEiuh fdlh çdkj dh {kfriwfrZ nsus ds fy, mRrjnk;h ugha gSA vius rdZ ds leFkZu esa fo}ku vf/koDrk us fuEufyf[kr fu.kZ;ksa dks lanfHkZr fd;k %& i. ek0 jk'Vªh; vk;ksx }kjk ;wukbZVsM bf.M;k bU';ksjsal dEiuh fy0 cuke oh0lh0 nhun;ky ,oa vU;] III ¼2009½ lhihts 260 ¼,ulh½] ds okn esa fn;k x;k fu.kZ;( ii. gfj;k.kk jkT; vk;ksx }kjk ,pMh,Qlh bxksZ tujy bU';ksjsal dEiuh fy0 cuke fd'ku yky ,oa vU;] II ¼2011½ lhihts 533] ds okn esa fn;k x;k fu.kZ;( iii. fgekpy çns'k jkT; vk;ksx }kjk U;w bafM;k ,';ksjal s dEiuh fy0 cuke lUr jke pkSgku] I ¼2006½ lhihts 478] ds okn esa fn;k x;k fu.kZ;( 5- bu rhuksa gh fu.kZ;ksa esa ;g fl)kUr çfrikfnr fd;k x;k fd ;fn ifjoknh vkSj chek dEiuh ds chp dksbZ vuqcU/k ugha gqvk gS rks chek dEiuh {kfriwfrZ vnk djus ds fy, mRrjnk;h ugha gSA 6- çR;FkhZx.k & ifjoknhx.k ds fo}ku vf/koDrk us viuh cgl esa dgk fd ifjoknhx.k ifr&iRuh gSaA ;fn {kfriwfrZ dh /kujkf'k Jherh chVk 'kekZ & çR;FkhZ la0 2 dks bl vk/kkj ij ns; ugha gS fd chek ikWfylh mlds uke ls ugha gS rks {kfriwfrZ dh /kujkf'k Jh vjfoan dqekj & çR;FkhZ la0 1] tks Jherh chVk "kekZ ds ifr gSa] dks nh tkuh pkfg,A nksuksa us gh la;qDr :i ls miHkksDrk ifjokn çLrqr fd;k gSA ftyk Qksje us mijksDr lHkh rF;ksa ij HkyhHkkafr fopkj djds U;k;ksfpr fu.kZ; fy;k gSA vr% ftyk Qksje }kjk ikfjr fu.kZ;kns'k dk leFkZu fd;k tk;A vius rdksZ ds leFkZu esa fo}ku vf/koDrk us ekuuh; jk'Vªh; vk;ksx }kjk vksfj;UVy ba';ksjsal dEiuh fy0 cuke dSEij dkWudkLV fy0] III ¼2009½ lhihts 66 ¼,ulh½( ds okn esa fy;s x;s fu.kZ; dk lanHkZ fn;kA 7- geusa nksuksa i{kksa ds fo}ku vf/koDrkvksa }kjk çLrqr rdksZ ij ,oa fof/kd fLFkfr ij fopkj fd;kA ;fn Jh vjfoan dqekj & çR;FkhZ la0 1 us fnukad 27-04-2000 dks viuk okgu viuh iRuh Jherh chVk 'kekZ ds uke gLrkUrfjr dj fn;k Fkk vkSj iath;u vf/kdkjh us mDr okgu dks Jherh chVk & çR;FkhZ la0 2 ds uke iathÑr dj fn;k Fkk] rks eksVj okgu vf/kfu;e] 1988 dh /kkjk&157 ¼2½ ds vUrxZr chek dk ykHk ysus ds fy, Jherh chVk & çR;FkhZ la0 2 ds fy, ;g vko';d Fkk fd og okgu gLrkUrfjr gksus ds 14 fnu ds vUnj chek dEiuh dks lwfpr dj nsrh] fd mDr okgu dh og vc iathÑr Lokfeuh gSaA ijUrq Jherh chVk 'kekZ & çR;FkhZ la0 2 4 }kjk ,slk ugha fd;k x;k vkSj chek ikWfylh Jh vjfoan dqekj ds uke ls gh pyrh jghA ;fn Jherh chVk "kekZ us mijksDr fof/kd çkfo/kku dk vuqikyu ;Fkkle; o'kZ 2000 esa gh dj fn;k gksrk] rks fnukad 23-05-2002 ls fnukad 22-05-2003 rd dh vof/k ds fy, çHkkoh ç'uxr chek ikWfylh esa mUgha dk uke gksrkA lkekU;r;k] tc okgu Ø; fd;k tkrk gS] rks ml le; chek dEiuh vfHkys[k ds vk/kkj ij okLrfod Øsrk ds uke ls gh chek ikWfylh tkjh djrh gSAa vxys o'kksZ esa uohuhdj.k blh ikWfylh ds vk/kkj ij] ftlesa ^^uks Dyse** cksul dk ykHk Hkh çhfe;e dh /kujkf'k esa lek;ksftr fd;k tkrk gS] rc rd fd;k tkrk gS tc rd eksVj okgu vf/kfu;e] 1988 dh /kkjk&157¼2½ ds vuqlkj chek dEiuh dks ;g lwfpr ugha dj fn;k tkrk fd okgu dk iathÑr Lokeh çFke Øsrk ds ctk; vc nwljk Øsrk gSA vr% ge ftyk Qksje dh bl fVIi.kh ls lger ugha gSa fd chek dEiuh dks iath;u çek.k i= ns[kdj ikWfylh dk uohuhdj.k djuk pkfg,A ge ftyk Qksje dh bl fVIi.kh dks Hkh fof/kd n`f'V ls =qfViw.kZ ekurs gSa fd ifjoknhx.k ifr&iRuh gSAa vr% ;fn chek ikWfylh ifr ds uke ls gS rks chek dEiuh bl vk/kkj ij Dyse nsus ls euk ugha dj ldrh fd ba';ksjscy baVjsLV ifr ds uke ugha gSA chek ikWfylh lnSo okgu ds iathÑr Lokeh vkSj chek dEiuh ds e/; gqvk ,d vuqcU/k gSA vr% ba';ksjscy baVjsLV lnSo iathÑr Lokeh dk gh jgrk gSA ftl çdkj ifr&iRuh dk lEcU/k gksus ds vk/kkj ij iRuh ds uke iathÑr okgu] edku vkfn dks cspus dk vf/kdkj ifr dks ugha gS ;k fdlh cSad esa iRuh ds ,dy uke ls [kksys x;s cSad ,dkmUV dks lapkfyr djus dk Hkh vf/kdkj ifr dks ugha gS] mlh çdkj iRuh dks okgu dh ,slh chek ikWfylh dk ykHk çkIr djus dk vf/kdkj ugha gS tks ifr ds uke ls gS] Hkys gh okgu dh iathÑr Lokeh og Lo;a gksA 8- ;g Hkh mYys[kuh; gS fd tc okgu fnukad 27-04-2000 dks Jh vjfoan dqekj }kjk Jherh chVk ds uke gLrkUrfjr fd;k x;k] ml le; fnukad 23-05-1999 ls fnukad 22-05-2000 rd dh vof/k ds fy, chek ikWfylh çHkkoh jgh gksxhA rRi'pkr~ mDr chek ikWfylh dks fnuakd 23-05-2000 ls fnuakd 22-05-2001 rd dh vof/k ds fy, vkSj iqu% fnuakd 23-05-2001 ls fnuakd 22-05-2002 rd dh vof/k ds fy, Jh vjfoan dqekj ds uke ls gh uohuhÑr djkdj **uks Dyse** cksul dk nks ckj ykHk Hkh fy;k x;k gksxk vkSj ç'uxr ikWfylh] tks fnuakd 23-05-2002 ls fnuakd 22-05-2003 rd ds fy, çHkkoh Fkh] esa iqu% ^^uks Dyse** cksul dk ykHk fy;k x;k gksxkA blh çdkj ds rF;ksa ij ekuuh; jk'Vªh; vk;ksx }kjk ;wukbZVsM bafM;k ba';ksjl sa dEiuh fy0 cuke oh0lh0 nhun;ky ,oa vU; ¼lqçk½ ds okn esa fn;k x;k fu.kZ; gS] ftlesa ekuuh; jk'Vªh; vk;ksx us Li'V :i ls dgk gS fd%& 5 "In order to avail the benefit under the policy, there has to be a contract between the parties and de facto possession of the vehicle will not confer any legal right on respondent / complainant No. 2 to avail the benefit under the policy. "
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