State Consumer Disputes Redressal Commission
Iffco Tokio General Insurance Co.Ltd. & ... vs Rajesh Patel on 28 December, 2018
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2018/633.
lafLFkr fnukad: 26.07.2018.
1- bQdks&Vksfd;ks tujy ba';ksjsal daiuh fyfeVsM] }kjk&'kk[kk izca/kd] brokjh cktkj ds lkeus] u;k xat] 'kk[kk&jk;x<+] iksLV o ftyk&jk;x<+ ¼N-x-½ 2- bQdks&Vksfd;ks tujy ba';ksjsal daiuh fyfeVsM] }kjk&izHkkjh vf/kdkjh] dkiksZjsV dk;kZy; 4 ,oa 5oha eafty] IykWV ua-&3] lsDVj&29] xqM+xkao ¼gfj;k.kk½] fiu&122 001 [email protected]
fo:} jkts'k iVsy firk Jh lkgsc jke iVsy] mez&28 o"kZ djhc] fuoklh&LVsV cSad ds lkeus iqlkSj] ftyk&jk;x<+ ¼N-x-½ ---------------mRrjoknh@ifjoknh- le{k% ekuuh; U;k;ewfrZ Jh lh- ch- cktis;h] v/;{k-
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i{kdkjksa ds vf/koDrk vihykFkhZx.k dh vksj ls Jh ,l- vkj- ygjs] vf/koDrkA mRrjoknh dh vksj Jh lw;Zdkar 'kekZ] vf/koDrkA vkns'k fnukad&28@12@2018 }kjk%&ekuuh; Jh ujsanz xqIrk] lnL;
[email protected] us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;x<+ ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&103@2015 jkts'k iVsy fo:} 'kk[kk izca/kd] b¶dks&Vksfd;ks tujy ba';ksjsal daiuh fyfeVsM ,oa ,d vU; esa // 2 // ikfjr vkns'k fnukad&24-04-2018 ftlds }kjk mRrjoknh@ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd %& **v- vukosndx.k] vkosnd dks okgu ejEer jkf'k&1]74]159@&¼,d yk[k pkSgRrj gtkj ,d lkS mulB :i;s½ ,d ekg ds Hkhrj vnk djsaxsA c- vukosndx.k] vkosnd dks 'kkjhfjd ,oa ekufld {kfriwfrZ 15]000@&¼iUnzg gtkj :i;s½ rFkk okn O;; 2]000@&¼nks gtkj :i;s½ ,d ekg ds Hkhrj vnk djsaxsA l- vukosndx.k fMxzh jkf'k dk Hkqxrku ,d ekg ds Hkhrj dj nsosa] u djus dh fLFkfr esa ifjokn izLrqfr fnukad&24-07-2015 ls vnk;xh fnukad rd 09 izfr'kr okf"kZd nj ls C;kt ns; gksxkA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd mRrjoknh@ifjoknh Lojkt ektnk okgu dzekad&lh-th- 13 ,y@9210 dk Lokeh gS ftldk psfpl ua-& MBUWEL4XGZ0175358 ,oa baftu ua-&SLT3GZ168962 gS ftldk fof/kor~ chek [email protected] daiuh ds }kjk fnukad&27-12- 2014 dks fd;k x;k Fkk tks fnukad&28-12-2014 ls 27-12-2015 rd oS/k Fkk vkSj ftldk ikWfylh dzekad&1-33LOXA7-89595574 gSA mRrjoknh@ifjoknh ds }kjk mDr okgu ds pkyu gsrq n{k pkyd fu;qDr fd;k x;k FkkA mRrjoknh@ifjoknh dk mDr okgu fnukad&21-03-2015 dks VMksyk esa pyk;eku fLFkfr esa okgu ds ihNs dk VkW;j vpkud iapj // 3 // gksus ls okgu dk larqyu fcxM+ tkus ds dkj.k iyV xbZ ftlls okgu ds lkeus ls cka;h rjQ iwjk {kfrxzLr gks x;k ftldh lwpuk mRrjoknh@ifjoknh }kjk [email protected] dks Qksu ds ek/;e ls nh xbZ Fkh rc [email protected] }kjk okgu dk ejEer dj mlls lacaf/kr fcy daiuh esa tek djus gsrq dgk x;k FkkA mRrjoknh@ifjoknh }kjk vius mDr okgu dks Vkspu dj 16]000@&¼lksyg gtkj :i;s½ dk Hkqxrku dj jk;iqj ys tk;k x;k rFkk Lojkt daiuh ds vf/kd`r lfoZl lsaVj jk;iqj eksVj bathfu;fjax oDlZ esa okgu ejEer gsrq lkSaikA mDr ?kVuk dh fyf[kr lwpuk fnukad&28-03- 2015 dks mRrjoknh@ifjoknh }kjk [email protected] dks nh xbZ ,oa leLr nLrkostksa ds lkFk Dyse QkeZ Hkjdj izLrqr fd;k x;kA [email protected] }kjk nq?kZVukxzLr okgu dk losZ Hkh djk;k x;k FkkA okgu ejEer esa 1]38]000@&¼,d yk[k vM+rhl gtkj :i;s½] okgu dk VkW;j 10]400@&¼nl gtkj pkj lkS :i;s½] pDdk fje oxSjg esa 9]795@&¼ukS gtkj lkr lkS iapkucs :i;s½ rFkk okgu Vkspu dk O;; 16]000@&¼lksyg gtkj :i;s½ dqy&1]74]995@&¼,d yk[k pkSgRrj gtkj ukS lkS iapkucs :i;s½ dk O;; gqvk ftldk fcy Hkh mRrjoknh@ifjoknh }kjk [email protected] daiuh esa izLrqr fd;k x;k Fkk rc [email protected] daiuh ds }kjk mRrjoknh@ifjoknh dks dgk x;k fd iwjh izfdz;k gksus ds ckn chek {kfr/ku dk Hkqxrku dj fn;k tkosxk] ijUrq vpkud fnukad&08-04-2015 dk i= izkfIr fnukad&15-04-2015 ds ekQZr~ ;g lwfpr fd;k x;k fd // 4 // okgu pkyd dh vuqKfIr oS/k ugha Fkh bl dkj.k chek nkok dks fujLr dj fn;k x;k gSA mRrjoknh@ifjoknh }kjk fu;qDr okgu pkyd dh vuqKfIr iw.kZ :i ls oS/k Fkk tks fd ,y- ,e- Ogh- rFkk ,e- lh- MCY;w- th ds fy, vf/kd`r Fkk ,oa mRrjoknh@ifjoknh dk okgu ykbZV Oghdy dh Js.kh esa Fkk] fdUrq blds ckn Hkh [email protected] }kjk mRrjoknh@ifjoknh dk chek nkok fujLr dj fn;k x;kA [email protected] ds mDr d`R; ds dkj.k mRrjoknh@ifjoknh dks ekufld rFkk vkfFkZd {kfr dkfjr gqbZ gSA mRrjoknh@ifjoknh }kjk vius vf/koDrk ds ekQZr~ [email protected] dks fof/kd uksfVl izsf"kr dj chek nkok jkf'k dh ekax dh xbZ ftldk dksbZ tokc ugha fn;k x;k vkSj uk gh chek nkok jkf'k dk Hkqxrku fd;k x;k ftlds dkj.k mRrjoknh@ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% mRrjoknh@ifjoknh dks ifjokn&i= esa of.kZr vuqlkj vuqrks"k iznku dh tkosA 03- [email protected] dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd [email protected] dk dksbZ 'kk[kk dk;kZy; jk;x<+ esa ugha gS] cfYd jk;x<+ esa ,y- ,l- lh- gSA [email protected] daiuh ds }kjk ftl okgu dzekad&lh-th- 13 ,y ,@2296 dk chek fd;k x;k gS og Lojkt daiuh ds }kjk fufeZr eky okgd okgu gS uk fd efgUnzk daiuh dk cksysjks fidvi okguA mDr okgu dk chek fnukad&28-10-2014 // 5 // ls 27-10-2015 rd dh vof/k ds fy, chek ikWfylh esa mYysf[kr fu;e ,oa 'krksZa ds v/khu fd;k x;k Fkk ftldk ikWfylh dzekad&89595574 gSA mDr okgu ds fy, mRrjoknh@ifjoknh ds }kjk oS/k ,oa izHkkoh vuqKfIr /kkfjr okgu pkyd fu;qDr ugha fd;k x;k Fkk rFkk nq?kZVuk fnukad ,oa le; dks mDr okgu dks pkyd jRFkw firk esgRrj ds }kjk pyk;k tk jgk Fkk ftlds ikl xqM~l Oghdy pykus dk dksbZ oS/k ,oa izHkkoh vuqKfIr ugha FkkA okgu ds Vkspu gsrq 2]500@&¼nks gtkj ikap lkS :i;s½ rd ikWfylh dh 'krksZa ds vuqlkj ns; gSA [email protected] daiuh ds }kjk vkbZ- vkj- Mh- ,- ds ykbZlsalh ifjrks"k dqekj flag] fcykliqj ls okgu dk losZ djk;k x;k gS ftlds }kjk mDr okgu dk QkbZuy losZ fjiksVZ is'k djrs gq, dqy&97]726@&¼larkucs gtkj lkr lkS NCchl :i;s½ izkIr djus dh ik=rk ekuk gS] ysfdu mRrjoknh@ifjoknh mDr jkf'k rHkh izkIr djus dk vf/kdkjh gksxk tc ikWfylh 'krksZa dk dksbZ mYya?ku ugha fd;k x;k gks tcfd mRrjoknh@ifjoknh us chek ikWfylh dh 'krksZa dk mYya?ku djrs gq, rFkkdfFkr nq?kZVuk fnukad&21-03-2015 dks gksuk crk;k gSA mRrjoknh@ifjoknh us okgu pkyd jRFkw firk esgRrj dk tks pkyd vuqKfIr izLrqr fd;k x;k gS mlds vuqlkj okgu pkyd ds ikl eky okgd okgu pykus dk dksbZ oS/k ,oa izHkkoh vuqKfIr gksuk ugha ik;k x;k gS tks fd ikWfylh 'krksZa ds lkFk&lkFk dsUnzh; eksVj OghdYl ,DV] 1989 ds fu;e&3 dk mYya?ku gS ftlds dkj.k [email protected] chek daiuh us vius i= fnukad&08-04-2015 ds }kjk mRrjoknh@ifjoknh dk chek nkok vLohdkj djrs gq, mldh // 6 // lwpuk mRrjoknh@ifjoknh dks izsf"kr dj fn;k FkkA [email protected] chek daiuh ikWfylh dh 'krksZa ds Hkax gksus ij fdlh Hkh izdkj ls dksbZ {kfriwfrZ nsus ds fy, nkf;Rok/khu ugha gSA bl izdkj [email protected] chek daiuh }kjk mRrjoknh@ifjoknh dk chek nkok mfpr :i ls vLohdkj fd;k x;k gS ftlesa fdlh izdkj dh lsok esa fuEurk ugha gSA mRrjoknh@ifjoknh] [email protected] ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% mRrjoknh@ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k mRrjoknh@ifjoknh }kjk [email protected] dks okgu nq?kZVuk dh lwpuk fnukad&28-03-2015 dh Nk;kizfr ¼,usD'pj&1½] jRFkw dk MªkbZfoax yk;lsal dh Nk;kizfr ¼,usD'pj&2½] lfVZfQdsV vkWQ jftLVsª'ku dh Nk;kizfr ¼,usD'pj&3½] lfVZfQdsV vkWQ fQVusl dh Nk;kizfr ¼,usD'pj&4½] eky ;ku vuqKki= dh Nk;kizfr ¼,usD'pj&5½] jftLVsª'ku lfVZfQdsV fMVsYl dh Nk;kizfr ¼,usD'pj&6½] chek ikWfylh dh Nk;kizfr ¼,usD'pj&7½] eksVj Dyse QkeZ dh Nk;kizfr ¼,usD'pj&8½] jk;iqj eksVj bathfu;fjax oDlZ dk VSDl buokbZl dh Nk;kizfr ¼,usD'pj&9½] vkdk'k VkW;lZ dk dS'k@dzsfMV fcy fnukad&25 vizSy 2015 dh Nk;kizfr ¼,usD'pj&10½] jk;iqj eksVj bathfu;fjax oDlZ dk VSDl buokbZl ¼dS'k½ fnukad&29-04-2015 dh Nk;kizfr ¼,usD'pj&12½] dszUl lfoZl dk fcy fnukad&25-03-2015 dh Nk;kizfr ¼,usD'pj&13½] // 7 // nkok fujLrh i= fnukad&08-04-2015 dh Nk;kizfr ¼,usD'pj&14½] vf/koDrk uksfVl fnukad&13-07-2015 dh Nk;kizfr ¼,usD'pj&15½ rFkk iksLVy jlhn fnukad&13-07-2015 dk vly izLrqr fd;k gSA 05- [email protected] dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k eksVj QkbZuy losZ fjiksVZ fnukad&07 vizSy 2015 dh Nk;kizfr ¼nLrkost dz-1½] chek ikWfylh dh fu;e ,oa 'krZ dh Nk;kizfr ¼nLrkost dz-2½] uks Dyse ysVj fnukad&08-04-2015 ,oa iksLVy jlhn fnukad&09-04-2015 dh Nk;kizfr ¼nLrkost dz-3½] chek ikWfylh dh Nk;kizfr] eksVj Dyse QkeZ dh Nk;kizfr ¼nLrkost dz-4½] jftLVsª'ku lfVZfQdsV fMVsYl dh Nk;kizfr] lfVZfQdsV vkWQ jftLVsª'ku dh Nk;kizfr] jRFkw ds MªkbZfoax yk;lsal dh Nk;kizfr] lfVZfQdsV vkWQ fQVusl dh Nk;kizfr] eky ;ku vuqKk&i= dh Nk;kizfr rFkk NRrhlx<+ VªkaliksVZ fMikVZesaV dh jlhn dh Nk;kizfr izLrqr fd;k gSA 06- mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ ftyk Qksje us mRrjoknh@ifjoknh ds ifjokn dks Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA 07- [email protected] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,l- vkj- ygjs us fyf[kr rdZ izLrqr djrs gq, ;g rdZ izLrqr fd;k gS fd mRrjoknh@ifjoknh ds eky <ksus okyh okgu // 8 // dzekad&lh- th- 13 ,y@9210 dk chek [email protected] }kjk fd;k x;k Fkk ftldk ikWfylh dz-&89595574 gS tks nq?kZVuk fnukad&21- 03-2015 dks {kfrxzLr gks xbZ Fkh ftldh lwpuk chek daiuh dks fn;k x;k Fkk ftlds vk/kkj ij {kfr dk vkadyu vkbZ- vkj- Mh- ,- ls yk;lsal izkIr losZ;j Jh ikfjrks"k dqekj flag ls djok;k x;k Fkk] fdUrq chek /kkjd ds okgu pkyd jRFkw firk esgRrj ds }kjk /kkfjr yk;lsal ,e- lh- MCY;w- th- ,oa ,y- ,e- Ogh- ukWu VªkaliksVZ okgu pykus ds fy, Fkk tcfd mRrjoknh@ifjoknh dk mDr okgu eky <ksus ds iz;kstukFkZ vkj- Vh- vks- dk;kZy; jk;x<+ ls iathd`r djk;k x;k Fkk vkSj iath;u ds vuqlkj mldh Hkkj jfgr otu 2-640 fdyks xzke ,oa Hkkj lfgr otu 7]200 fdyks xzke gS bl dkj.k 7]200&2]640=4]560 fdyks xzke otu <ksus ds iz;kstukFkZ mDr okgu dk ijfeV okgu Lokeh us izkIr fd;k FkkA eksVj ;ku vf/kfu;e dh /kkjk&2 ¼31½ ds vuqlkj ijfeV ls vk'k; izknsf'kd ifjogu izkf/kdj.k vFkok bl fufeRr izkf/kdkjh ds }kjk ifjogu ;ku dks mi;ksx djus ds fy, vuqKk nsuk vfHkizsr gS rFkk eksVj ;ku vf/kfu;e dh /kkjk&2 ¼14½ ds vuqlkj eky okgu ls rkRi;Z dsoy eky <ksus ds dke esa yk, tkus okgu ls vfHkizsr gSA fof/k ds mDr izko/kkuksa ds vuqlj.k esa fdlh **ifjogu ;ku** ds fy, /kkjk&56 ds vuqikyu esa fQVusl j[ks tkus ,oa /kkjk&66 ds vuqikyu esa ijfeV j[ks tkus dh vis{kk mDr fof/k n'kkZrh gS ,oa budk ikyu djrs gq, okgu Lokeh@chek /kkjd us mDr chfer okgu dk fQVusl o ijfeV izkIr fd;k gSA ifj.kker% mDr okgu ,d ifjogu ;ku ds fy, ifjHkkf"kr gS] bl dkj.k // 9 // /kkjk&10 eksVj ;ku vf/kfu;e ds izko/kkukuqlkj okgu pkyd ds }kjk ifjogu ;ku pykus ds fy, yk;lsal j[kk tkuk vis{kh; Fkk vkSj ,sls yk;lsal dh izHkkoh frfFk /kkjk&14 eksVj ;ku vf/kfu;e ds vuqlkj dsoy rhu o"kksZa dh vof/k ds fy, izHkkoh gksuk Hkh vis{kh; FkkA bl izdj.k esa okgu Lokeh us vius pkyd dks tks yk;lsal is'k fd;k gS og ,e- lh- MCY;w- th- ,oa ,y- ,e- Ogh- ukWu VªkaliksVZ ls lanfHkZr gS vkSj 20 o"kksZa ds fy, yk;lsaflax vFkkWfjVh us tkjh fd;k gS] vFkkZr~ ,e- ,y- Ogh- ¼ukWu VªkaliksVZ½ vFkkZr~ ukWu VªkaliksVZ ykbZV eksVj Oghdy ds fy, ;g yk;lsal oS/k o izHkkoh Fkk vkSj mldh vof/k rhu o"kZ ds fy, fof/kuqlkj uk gksdj 20 o"kksZa ds fy, FkkA vr% mDr yk;lsal/kkjh O;fDr chfer okgu pykus ds fy, vf/kd`r ugha Fkk ftlds dkj.k mRrjoknh@ifjoknh dk nkok fujLr fd;k x;k gS tks fof/k vuqlkj ,oa chek ikWfylh dh lafonk ds ifjizs{; esa mfpr vkSj ;qfDriw.kZ gS ftls ftyk Qksje }kjk /;ku ugha fn;k x;k gSA mRrjoknh@ifjoknh }kjk okgu dz; djus dh frfFk ls fujarj djhc 02 o"kksZa ls vf/kd pyk, tkus ds dkj.k mldk voewY;u Hkh gzkl fd;k tkuk pkfg, vkSj ,Dlsl ewY; ds lkFk gh lkWYost dk ewY; Hkh iw.kZ ewY;kafdr jkf'k esa de fd;k tkuk pkfg, Fkk] ijUrq ,sls fdlh Hkh gzkl ewY; dks de fd, fcuk mRrjoknh@ifjoknh ds }kjk ekaxh xbZ laiw.kZ jkf'k fnyk;s tkus dk vkns'k ikfjr fd;k x;k gS tks fd =qfViw.kZ gSA oLrqr% vkbZ- vkj- Mh- ,- ls vuqKfIr izkIr losZ{kd Lora= vkSj fu"i+{k fo'ks"kr gksrs gSa vkSj muds fjiksVZ ds [k.Mu esa fof'k"V rkfRod lk{; izLrqr fd;k tkuk vko';d gksrk gS ftls fl} uk dj ikus ij losZ;j // 10 // dh fjiksVZ ekU; ;ksX; gksrk gS ftls ftyk Qksje }kjk vuns[kk fd;k x;k gSA ftyk Qksje }kjk vius foosd ls ewY;kafdr jkf'k 1]74]159@&¼,d yk[k pkSgRrrj gtkj ,d lkS mulB :Ik;s½ dk Hkqxrku mRrjoknh@ifjoknh dks ,d ekg ds Hkhrj uk fd, tkus ij 'kkfLr Lo:Ik C;kt ftldk ewY;kadu fnukad&24-07-2015 ls 09 izfr'kr nj ij fd;k x;k gS] Hkh Hkqxrku djus ds fy, vknsf'kr fd;k x;k gS rFkk 'kkjhfjd ,oa ekufld {kfriwfrZ ds fy, 15]000@&¼iUnzg gtkj :Ik;s½ rFkk okn O;; ds fy, 2]000@&¼nks gtkj :Ik;s½ fnyk;k x;k gS tks fd =qfViw.kZ gSA vr% [email protected] dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lw;Zdkar 'kekZ us ftyk Qksje }kjk ikfjr vkns'k dk leFkZu djrs gq, [email protected] dh vihy fujLr fd;s tkus dk fuosnu fd;k gSA 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 Hkh ifj'khyu fd;k x;kA 10- izdj.k ds U;k;ksfpr fujkdj.k gsrq geas bl iz'u ij fopkj.k djuk gS fd D;k [email protected] }kjk mRrjoknh@ifjoknh ds chek nkok dks uks Dyse dj lsok esa dksbZ deh dh xbZ gS rFkk D;k // 11 // mRrjoknh@ifjoknh] [email protected] ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh gS\ ;fn gkWa rks fdruh\ 11- mRrjoknh@ifjoknh }kjk izdj.k esa [email protected] }kjk mRrjoknh@ifjoknh ds nkos dks vLohdkj djrs gq, tks jsiqfM,'ku ysVj fn;k x;k gS mldh Nk;kizfr izLrqr fd;k x;k gS tks fuEukuqlkj gS%& " No Claim Latter Mr. Rajesh Patel 08/04/2015 S/d/W/o Saheb Ram Patel, Village: Pussore Dist: Raigarh- 496440 (Chhattisgarh) WITHOUD PREJUDICE Mob# 9755760561 Dear Sir, Re: Claim on policy no. 89595574, Date of Loss 21/03/2015, Vehicle Regd. No. CG13L9210 We are in receipt of the papers in respect of the above-refferred claim. On careful perusal of the documents submitted, it has been observed that:
1) On the Day & time of loss ie. 21/03/2015 insured vehicle was Driving by Ratthu s/o Megattar & he is holding driving License not Valid to drive subjected class of vehicle.
"Hence it is violation of Driver clause."
As per the Rule 3 of Central Motors Vehicle Act, 1989 'Any person including insured, provided that the person driver holds on effective driving license. Provided also that the person holding an effective learner's license may also drive the vehicle and that such a person satisfies the requirments of Rule 2 of CMV ACT 1989'.
As above mentioned reasons we regret our inability to consider the claim.
// 12 // We are sure that you would appreciate our stand that payment of any claim has to be in accordance with the conditions and provision of the policy issued. While expressing our inability to pay this claim due to the above mentioned-mentioned reasons, we reiterate our commitment to pay all admissible claim fairly and promptly." 12- mRrjoknh@ifjoknh }kjk vius ifjokn&i= esa ;g vfHkopu fd;k x;k gS fd ifjoknh ds MªkbZoj jRFkw ds ikl iz'uk/khu okgu dks pykus gsrq ,y- ,e- Ogh- ,e- lh- MCY;w- th- dk yk;lsal FkkA bl yk;lsal ds vuqlkj MªkbZoj jRFkw iz'uk/khu okgu dks pykus gsrq vf/kd`r FkkA 13- mRrjoknh@ifjoknh dh vksj ls MªkbZfoax yk;lsal ¼,usD'pj&2½ dh Nk;kizfr izLrqr fd;k x;k gS ftlds vuqlkj MªkbZfoax yk;lsal ua- lh-th- 13 2011 0004539 gS vkSj tks fd ,y- ,e- Ogh-] ,e- lh- MCY;w- th- ds fy, tkjh fd;k x;k gSSA [email protected] }kjk tks eksVj ¼QkbZuy½ losZ fjiksVZ ¼nLrkost dz-1½ izLrqr fd;k x;k gS mlesa Hkh MªkbZfoax yk;lsal ds laca/k esa lR;kiu fd;s tkus ij mls ,y- ,e- Ogh- yk;lsal ik;k x;k gSA 14- chek ikWfylh ,oa lfVZfQdsV vkWQ jftLVsª'ku ds vuqlkj okgu Lojkt ektnk mYysf[kr gS tks fd xqM~l dSfjax Oghdy gS rFkk lfVZfQdsV vkWQ jftLVsª'ku ¼,usD'pj&5½ esa okgu ,y- th- Ogh- ¼Light Goods Vehicle½ vafdr fd;k x;k gS] tcfd izLrqr izdj.k esa pkyd jRFkw ds MªkbZfoax yk;lsal esa dsoy ,y- ,e- Ogh-] ,e- lh- MCY;w- th- mYysf[kr gSA // 13 // 15- Reliance General Insurance Co. Ltd. Vs. Jivabhai Maldebhai Godhaniya III (2017) CPJ 1 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "15. ...........it is abundantly clear that the vehicle in question was a commercial vehicle, but the person who was driving the vehicle at the time of the accient, did not have a valid an effective licence to drive the same. Considering the distinct requirments laid down in The Motor vehicles Act, 1988 and The Central Motor Vehicles Rules, 1989 about the grant of licence for commercial vehicles, it is clear that the holder of the LMV licence had no authority to drive the commercial vehicle without proper endorsement from the concerned transport authority." 16- ICICI Lombared General Insurance Co. Ltd. Vs. Mainuddin, I (2015) CPJ 328 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. Learned counsel for the petitioner has drawn my attention to Sri Annappa Irappa Nesaria case (Supra) in which it was observed that light motor vehicle continued at the relevant point of time to cover both light passenger carriage vehicle and light goods carriage vehicle and driver who had a valid driving licence to drive light motor vehicle was authorized to drive light goods vehicle. This case pertains to accident on 09.12.1999, whereas in the case in hand, vehicle met with an accident on 31.10.2006 and by that time, necessary amendments in Motor Vehicle Act had already been incorporated. Hon'ble Apex Court in III (2009) SLT 586=II (2009) ACC 313 (SC)=C.A. No. 1102 of 2009- Oriental Ins. Co. Ltd. V. Angad Kol & Ors., referred Sri Annappa Irappa Nesaria case and observed that from 28.03.2001, amendment has been carried out in Motor Vehicle Act and there is distinction between light motor vehicle and a transport vehicle and ultimately held that respondent was not holding valid and effective driving licence for driving goods vehicle which amounted to breach of conditions of the insurance policy as in the aforesaid case driver of the vehicle was holding licence to drive light motor vehicle . In the case in // 14 // hand also driver of the vehicle was holding licence to drive LMV non- transport and as at the time of accident he was driving goods vehicle, licence held by him was not valid driving licence for driving goods vehicle. To drive a transport vehicle licence is issued for 3 years, whereas for driving light motor vehicle, licence is issued for 20 years. Licence issued to driver Gulappa Hadpad which was valid from 20.09.2004 to 19.09.2024, but he was not permitted to drive Transport Vehicle. Hon'ble Apex Court in IV (2008) ACC 759 (SC)=C.A. No. 3496 of 2008- New India Assurance Co. Ltd. v. Roshanben Rahemansha Fakir & Anr., also referred Sri Annappa Irappa Nesaria case and observed that light motor vehicle would not include light transport vehicle and on that basis, order allowing claim against Insurance Company was set aside."
17- M/s. MRH Associates Through its Partner, Mr. Harsh Kumar Handa Vs. National Insurance Co. Ltd., Through its Branch Manager & Anr., 2015 (1) CPR 137 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "If driver of vehicle is not holding a valid and effective licence for driving vehicle in question, it shall be a serious violation of statutory requirement under Motor Vehicles Act as also conditions of insurance policy which would vitiate contract of insurance and as such insurance company would be entitled to repudiate claim." 18- New India Assurance Co. Ltd. Vs. Musharaf Alam II (2012) CPJ 55 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "10. .....................................the driver of the Respondent did not have a valid licence at the time of accident and this is clearly a violation of the terms and conditions of the insurance policy as also Section 15 of the Motor Vehicles Act. These are sufficient grounds on which the claim can justifiably be repudiated."
// 15 // 19- bl izdkj Li"V gS fd mRrjoknh@ifjoknh dk okgu LGV ¼Light Goods Vehicle½ ds :Ik esa iathc} gqvk Fkk vkSj mlh :Ik esa mldk chek djk;k x;k Fkk tcfd mRrjoknh@ifjoknh ds MªkbZoj jRFkw ds ikl dsoy LMV, MCWG pykus ds fy, MªkbZfoax yk;lsal Fkk vkSj mlesa Hkh dksbZ i`"Bkadu ugha FkkA MªkbZoj jRFkw dk yk;lsal 20 o"kksZa ds fy, Fkk tcfd /kkjk&10 eksVj;ku vf/kfu;e ds vuqlkj ifjogu ;ku pykus ds fy, yk;lsal ek= 03 o"kksZa ds fy, gh tkjh fd;k tkrk gSA bl izdkj Li"V gS fd nq?kZVuk fnukad dks pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax yk;lsal ugha FkkA ,slh fLFkfr esa mRrjoknh@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS vkSj mRrjoknh@ifjoknh fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gSA 20- mijksDr foospuk ds ifjizs{; esa ftyk Qksje us tks vkns'k ikfjr fd;k gS og =wfViw.kZ gS ,oa fof/k fo:} gS rFkk fLFkj j[ks tkus ;ksX; ugha gSA 21- vr% [email protected] dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&24-04- 2018 fujLr fd;k tkrk gSA ifj.kker% mRrjoknh@ifjoknh dk ifjokn fujLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ lh- ch- cktis;h½ ¼ujsanz xqIrk½ v/;{k lnL;
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