State Consumer Disputes Redressal Commission
Shri Ram General Insurance Co.Ltd. & ... vs Prakash Chand Bhansali & Ors. on 28 December, 2017
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh Mh- ds- FkokbZr] vf/koDrkA mRrjoknh Øekad&1 dh vksj ls Jh jksfgr lksuh] vf/koDrk A mRrjoknh Øekad&2 ,oa 3 vuqifLFkr A // 2 // vkns'k fnukad% 28@12@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd Øekad&1 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] cLrj LFkku txnyiqj ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad& lhlh@61@2016 esa ikfjr vkns'k fnukad&28-06-2017 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :i ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- vkosnd dk okgu cqysjks fidvi Øekad&C.G.-18-H- 1382 ds ejEer~ esa yxus okys O;; :-1]23]111@&¼,d yk[k rschl gtkj ,d lkS X;kjg :Ik;s½ dk Hkqxrku vukosnd Øekad&1 ds }kjk vkosnd dks vkns'k fnukad ls 30 fnol ds vanj fd;k tkosxkA 2- fu;r vof/k esa mDr jkf'k iznku djus esa vukosnd Øekad&1 vlQy jgrk gS] rks mDr jkf'k ij 9 izfr'kr lk/kkj.k okf"kZd C;kt vkosnu izLrqfr fnukad ls ns; gksxkA 3- vukosnd Øekad&1 vkosnd dks ekufld {kfr ,ot esa :-4000@&¼pkj gtkj :Ik;s½ iznku djsxk A 4- vukosnd Øekad&1 vius ifjokn O;; ds lkFk vkosnd dk ifjokn O;; :- 2000@&¼nks gtkj :Ik;s½ ogu djsxk A ls nqf[kr gksdj izLrqr fd;k gS A 02- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh us vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh // 3 // fyfeVsM ls fnukad&21-11-2014 dks uxn 14]640@&¼pkSng gtkj N% lkS pkyhl :Ik;s½ izhfe;e nsdj vius LokfeRo ds okgu egsanzk ,.M egsanzk daiuh ds cksysjs fidvi Øekad&CG 18 H/ 1382 dk iSdst ikWfylh ds rgr~ chek djok;k Fkk ftldk ikWfylh Øekad&10012/31/15/025622 ,oa oS/krk fnukad&21-11-2014 ls 20-11-2015 dh e/; jkf= rd FkkA fnukad&16-05-2015 fnu 'kfuokj dks Fkkuk &fdjanqy] ftyk narsokM+k N-x- ds iqfyl foHkkx }kjk ifjoknh ds LokfeRo ds okgu cksysjs fidvi Øekad&CG 18 H 1382 dks vf/kxzfgr dj vius dCts esa ysdj vius fu;a=.k o funsZ'k ij vius foHkkx ds okgu pkyd ls mDr okgu dks fdjanqy ls txnyiqj Hkstk Fkk fd mDr okgu ds pkyd us mDr cksysjks fidvi Øekad&CG 18 H/1382 dks fnukad&16-05-2015 dks jkf= ?kVuk LFky dkaVkdkank NH-63 esu jksM] Fkkuk dksMsukj] ftyk cLrj N-x- ij [kMh Vªd Øekad&CG 18 A 3189 esa Bksdj ekjdj nq?kZVuk dj fn;kA mDr nq?kZVuk esa cksysjs fidvi Øekad&CG 18 H 1382 dk lkeus dk fgLlk cqjh rjg {kfrxzLr gks x;kA ifjoknh us vukosnd Øekad&1 Jhjke tujy ba';ksjsal daiuh dks mDr nq?kZVuk dh lwpuk Qksu ij ,oa eksVj nkok izi= Hkjdj fn;k rc vukosnd chek daiuh }kjk mDr Dyse dks Dyse uacj&10000@31@16@lh@008176 ds :i esa jftLVMZ dj rFkk LikWV losZ;j fu;qDr dj mDr {kfrxzLr okgu dk LikWV losZ djok;k x;kA LikWV losZ djokus ds i'pkr~ vukosnd Øekad&1 chek daiuh ds funsZ'kkuqlkj ifjoknh us mDr {kfrxzLr okgu dks ?kVuk LFky ls Vkspu dj iqjkuk xhne ukdk txnyiqj fLFkr lkabZ vkWVks oDlZ esa ejEer~ gsrq // 4 // yk;k rFkk ogka ls mDr okgu ds ejEer esa vkus okys [kpksZa dk LVhesV tks fd 1]51]661@& ¼,d yk[k bD;kou gtkj N% lkS bdlB :Ik;s½ dk Fkk ysdj vukosnd Øekad&1 chek daiuh esa tek dj fn;kA ifjoknh }kjk fjis;fjax dk bLVhesV tek djus ds ckn vukosnd Øekad&1 chek daiuh }kjk QkbZuy losZ gsrq losZ;j fu;qDr fd;k x;k vkSj losZ;j us lkabZ vkWVks oDlZ iqjkuk xhne ukdk txnyiqj esa vkdj mDr {kfrxzLr okgu cksysjs fidvi Øekad&CG 18 H/1382 dk losZ fd;k x;k rFkk fjis;fjax pkyw djus dk funsZ'k fn;k x;k rc ifjoknh }kjk viuh mDr okgu dk ejEer~ dk dk;Z pkyw djok;k x;kA cksysjs fidvi Øekad& CG 18 H/1382 ds ejEer ds nkSjku fnukad&13-06-2015 dks jftLVM ,@Mh ds ek/;e ls vkosnd dks vukosnd Øekad&1 Jhjke tujy ba';ksjsal daiuh }kjk fnukad&04-06-2015 dks tkjh bl vk'k; dk i= feyk fd nq?kZVuk ds le; vkids Mªk;oj ds ikl bQsfDVo Mªk;foax yk;lsal ugha Fkk rFkk okgu chek nq?kZVuk ikWfylh ds 'krksZa ds mYya?ku esa pyk;k tk jgk Fkk dk vkjksi yxkrs gq,] ifjoknh dk mDr Dyse fof/k fo:) <ax ls fjstsDV dj fn;k x;k] tcfd mDr okgu dks pykus dk oS/k ,oa izHkkoh pkyu vuqKfIr Fkh rFkk nq?kZVuk ds le; cksysjs fidvi Øekad&CG 18 H/1382 dks fdlh Hkh chek 'krksZa ds mYya?ku esa ugha pyk;k tk jgk FkkA ;g ekekyk okgu cksysjks fidvi Øekad&CG 18 H/1382 dk ds Msest ls lacaf/kr gS uk fd fdlh O;fDr ds pksV ;k e`R;q ls lacaf/kr gS bl dkj.k ls vukosndx.k la;qDr :i ls ifjoknh dks mlds cksysjs fidvi Øekad&CG 18 H/1382 dks ejEer esa vkus okys [kpksZa ds fy, // 5 // C;kt lfgr {kfriwfrZ vnk djus gssrq mRrjnk;h gSa ftlds dkj.k ifjoknh dks ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkos A 03- vihykFkhZ@vukosnd Øekad&1 Jhjke tujy ba';ksjsal daiuh us ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k gS fd nq?kZVukxzLr okgu cksysjs fidvi Øekad&CG 18 H/1382 dk chek fnukad&21-11-2014 ls fnukad&20-11-2015 rd ds fy, vukosnd chek daiuh ds }kjk okgu Lokeh izdk'k pan Hkalkyh ds uke ij tkjh dh xbZ Fkh ysfdu vukosnd chek daiuh dk nkf;Ro chek lafonk ds vk/kkj ij mRiUu gksrk gS rFkk mDr lafonk ,oa mlesa of.kZr 'krsZa mHk; i{kdkjksa ij leku :i ls ca/kudkjh gksrk gSA nq?kZVukxzLr okgu ds pkyd ds ikl nq?kZVuk ds le; ek= Light Motor Vehicle (LMV) pykus ds fy, vf/kd`r vuqKfIr Fkk tcfd nq?kZVukxzLr okgu dk pkyu l{ke pkyd /kkjd ds }kjk ugha fd;s tkus ls fdlh Hkh izdkj dh {kfr dh iwfrZ dh ftEesnkjh chek daiuh dh ugha gksxh rFkk vijkf/kd nLrkostksa ds voyksdu ls ;g Kkr gksrk gS fd okgu dk iz;ksx chek 'krksZa ds foijhr ;k=h okgu ds :i esa fd;k x;k tcfd nq?kZVukxzLr okgu ,d eky okgd okgu gS rFkk mldk chek okgu Lokeh ds }kjk eky okgd okgu ds :i esa djok;k x;k gS ftl dkj.k ls Hkh {kfr dss iwfrZ dh ftEesnkjh chek daiuh dh ugha gksxkA fdjanqy Fkkuk ds }kjk xkM+h dks vius iz;kstu gsrq iz;ksx djus ds ,ot esa fdjk;s ds :i esa ifjoknh dks 16]000@&¼lksyg gtkj :Ik;s½ // 6 // rFkk 50 yhVj Mhty dk Hkqxrku fd;k x;k gS ftlls ;g Li"V gksrk gS fd iqfyl foHkkx ds }kjk ifjoknh ds okgu dks fdjk;s ij yh xbZ Fkh u fd vf/kxzfgr dh x;h Fkh rFkk okgu dk mi;skx O;olkf;d :i esa fd;k tk jgk FkkA fjis;fjax dk bLVhesV tek djus ds ckn vukosnd Øekad&1 chek daiuh }kjk losZ gsrq losZ;j fnukad&03-06-2015 dks dkr;k;u ds }kjk fnukad&04-06-2015 dks tkap djus ds iwoZ gh okgu dks fMLesaVy dj mDr okgu ds ejEer~ dk dk;Z ifjoknh }kjk Loa; gh pkyw djok fn;k x;k Fkk rFkk losZ;j }kjk okgu dh {kfr dk vkadyu ek= 55]062@&¼ipiu gtkj ck;B :Ik;s½ dk gh fd;k x;k gSA okgu ds losZ gq, fcuk gh ifjoknh ds }kjk okgu dks fMlesaVy dj fjis;fjax dk dk;Z pkyw djok fn;k x;k Fkk rFkk okgu dk iz;ksx chek 'krksZa ds foijhr ;k=h okgu ds :i esa fd;k x;k tcfd nq?kZVukxzLr okgu ,d eky okgd okgu gS rFkk mldk chek eky okgd okgu ds fy, fd;k x;k gS rFkk okgu dk pkyu l{ke pkyd vuqKfIr/kkjd ds }kjk ugha fd;k tk jgk Fkk] ds vk'k; dk i= fnuakd&04-06-2015 dks chek daiuh ds }kjk tkjh dj ifjoknh ds okgu ds Dyse dks fujLr fd;k x;k gS tks fd okgu LOkkeh dks izkIr gks pqdk gSA vr% chek daiuh cksysjks fidvi Øekad&CG18H/1382 ds fjis;fjax esa vkus okys [kpZ 1]28]000@&¼,d yk[k vVBkbZl gtkj :Ik;s½ C;kt lfgr dk ;k losZ;j }kjk vkadfyr {kfr 55]062@&¼ipiu gtkj ck;lB :Ik;s½ ;k ekufld ihM+k ;k ijs'kkuh gsrq Hkqxrku djus ds fy, mRrjnk;h ugha gSA vr% ifjoknh ds ifjokn&i= dks lO;; [kkfjt fd;k tkos A // 7 // 04- vukosnd Øekad&2 ,oa 3 us ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k gS fd fnukad&16-05-2015 ds 9-10 cts rRdkyhu Fkkuk izHkkjh fujh{kd jkts'k nsonkl gejkg LVkQ ds Fkkuk fdjanqy ds exZ Øekad&21@2015] 22@2015 /kkjk&174 tk-QkS- dh exZ tkap dk;Zokgh ,oa ih-,e- djkus vKkr 'ko dk ?kVuk LFky Vh- ,l- jkLrk ,u,eMhlh ekbZfuax {ks= fdjanqy jokuk gqvkA ?kVukLFky igqapdj vKkr iq:"kksa dh 'ko dk fujh{k.k fd;k x;k] iapukek dk;Zokgh i'pkr~ 'ko djhcu 5 fnu iwoZ dk gksus ls lM+u fLFkfr esa dhM+s yxk gqvk gksuk ik;k x;k ftl ij ih- ,p- lh MkWDVj ih- ,l- iVsy ?kVuk LFky igqapdj 'ko dks fujh{k.k djus ij ?kVukLFky dh ifjfLFkfr ,oa 'ko dh fLFkfr ls ih- ,e- esfMdy dkWyst txnyiqj ls djus ckWMh dks esfMdy dkWyst fjQj djus ij ,u,eMhlh ls laidZ dj ckWDl esa e`rdksa ds 'ko dks lqjf{kr dj uxj ikfydk 'ko okgu esa LVs'ku yk;k x;kA uxj ikfydk 'ko okgu 'kgjh {ks= ls ckgj tkus dh vuqefr ugha gksus ls 'ko txnyiqj esfMdy dkWyst Hkstus O;oLFkk fd;k x;kA fnuakd&16-05-2015 ds 16-20 cts rRdkyhu Fkkuk izHkkjh fujh{kd jkts'k nsonkl gejkg }kjk vKkr 'ko dks ih- ,e- djkus ds gsrq txnyiqj ys tkus okLrs okgu cksysjs fidvi Øekad&CG 18 H/1382 dks vf/kxzg.k fd;k x;kA fnukad&16-05-2015 ds 16-45 cts rRdkyhu Fkkuk izHkkjh fujh{kd jkts'k nsonkl gejkg }kjk 'ko dk ih-,e- djkus tokcnkjh vf/kdkjh Hksstuk vko';d gksus ls mifujh{kd mes'k fljekSj gks gejkg vkj{kd dqcsj ekS;Z xksiuh; lSfud okgu pkyd ineukFk ,oa lg;ksx gsrq vkyksd rkMh dks // 8 // vf/kxzfgr fidvi fidvi Øekad&CG 18 H/1382 esa vKkr iq:"kksa ds nks 'ko ds lkFk esfMdy dkWyst txnyiqj ds fy, jokuk fd;k x;kA fnukad&16-05-2015 ds 16-20 cts Fkkus esa vkj{kd Øekad&109 dqcsj ekS;Z us eksckbZy Qksu ls lwpuk fn;k fd vKkr nks 'ko dks fidvi okgu ls ih,e djkus ds fy, txnyiqj vLirky ys tk jgs Fks] dksM+sukj Fkkuk ds vkxs fidvi okgu dk ,DlhMsaV gks x;k] lHkh ?kk;y gSA fnukad&16-05- 2015 ds 19-40 cts rRdkyhu Fkkuk izHkkjh fujh{kd jkts'k nsonkl gejkg LVkQ ds lkFk lgk;rk gsrq dksM+sukj jokuk gq,A ?kVuk LFky igaqps tgka ij Vh- vkbZ- dksM+sukj mifLFkr feys ftlls tkudkjh feyh dh fidvi okgu [kM+h Vªd ls VDdj ekj nsus ls ,l- vkbZ- fljekSj ekSds esa [kRe gks x;k] pkyd ,oa vU; lokj ?kk;y Fks ftUgas bZykt gsrq ftyk vLirky txnyiqj Hkstk x;kA vKkr 'ko {kfrxzLr fidvi esa j[kk gvk feyk ftls Vh- vkbZ dksM+sukj ygjh ds lg;ksx ls e`r mifujh{kd fljekSj dk 'ko ,oa vKkr 'ko dks vyx okgu ls esfMdy dkWyst ejpqjh nkf[ky fd;kA mifujh{kd fljekSj dk 'ko ih-,e- i'pkr~ muds ifjtu dks lqinZ dj rFkk vKkr 'ko dk ih-,e djkus deZpkjh rSukr dj fnukad&17-05- 2015 dks Fkkuk okil vk;kA izdj.k chek daiuh ds fo:) vuqrks"k izkIr djus gsrq izLrqr gS tks iqfyl v/kh{kd narsokM+k dks vuko';d i{kdkj ds :i eas la;ksftr fd;k x;k gSA izdj.k lsok dh deh ls lacaf/kr gS rks og chek daiuh vkSj ifjoknh ds e/; fofuf'pr~ fd;k tkuk pkfg,A vr% ifjoknh dk ifjokn lO;; fujLr djus dh d`ik djsa A // 9 // 05- ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vukosnd }kjk tkjh Dyse fjtsD'ku ysVj fnukad&04-06-2015 dh Nk;kizfr (Anx-1), {kfrxzLr okgu cksysjs fidvi Øekad&CG 18 H 1382 dk ba';ksjsal ikWfylh fnukad&21-11-2015 dh Nk;kizfr (Anx-2), {kfrxzLr okgu cksysjs fidvi Øekad&CG 18 H/1382 dk vkj- lh- cqd fnukad&15-12-2014 dh Nk;kizfr (Anx-3), {kfrxzLr okgu cksysjs fidvi Øekad&CG 18 H/1382 dk fQVusl fnukad&1012-2014 dh Nk;kizfr (Anx-4), pkyd dk MªkbZfoax ykbZlsal fnuakd&15-02-2008 dh Nk;kizfr (Anx-5), {kfrxzLr okgu cksysjs fidvi Øekad&CG 18 H/1382 ds ejEer~ esa gksus okys [kpksZa dk bLVhesV dh Nk;kizfr (Anx-6), {kfrxzLr okgu cksysjs fidvi Øekad&CG 18 H/1382 ds ejEer esa gq, [kpksZ dk fcy dk vly (Anx-7), {kfrxzLr okgu cksysjs fidvi Øekad&CG 18 H/1382 ds isafVax esa gq, [kpksZa dk fcy fnukad&17-082015 dk vly (Anx-8), {kfrxzLr okgu cksysjs fidvi Øekad & CG 18 H 1382 ds lhV dOgj esa ejEer dk fcy (Anx-9), {kfrxzLr okgu cksysjs fidvi Øekad&CG 18 H/ 1382 ds ejEer esa gq, bysDVªhdy odZ dk fcy fnukad&10-08-2015 dk vly (Anx-10), izFke lwpuk i= fnukad&16-05-2015 dh lR;kfir izfr (Anx-11), laifRr tfIr i= fnukad&16-05-2015 dh lR;kfir izfr (Anx-
12), vafre izfrosnu fnukad&20-05-2015 dh lR;kfir izfr (Anx-13), izFke lwpuk&i= fnukad&16-05-2015 dh lR;kfir izfr(Anx-14), vijk/k fooj.k QkeZ fnukad&17-05-2015 dh lR;kfir izfr (Anx-15), laifRr tCrh i= fnukad&20-05-2015 dh lR;kfir izfr (Anx-16), laifRr tCrh i= // 10 // fnukad&23-05-2015 dh lR;kfir izfr (Anx-17), laifRr tCrh i= fnukad&23-05-2015 dh lR;kfir izfr (Anx-18), lqiqnZukek vkns'k fnukad&21-05-2015 dh lR;kfir izfr (Anx-19), vafre tkap izfrosnu fnukad&21-05-2015 dh lR;kfir izfr (Anx-20), laifRr tCrh i= fnukad&20-05-2015 dh lR;kfir izfr (Anx-21), okgu cksysjks fidvi Øekad&CG 18 H/1382 dk iqfyl foHkkx }kjk vf/kxzg.k ls lacaf/kr nLrkost fnukad&16-05-2015 dh Nk;kizfr (Anx-22), /kkjk 80 lh-ih-lh- dk uksfvl fnukad&09-05-2016 dk vly (Anx-23) izLrqr fd;k gS A 06- vukosnd Øekad&1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k Vehicle 's Particulars of CG 18 H 1382 Dtd 07-12-2012, ine/kj dk Mªk;foax yk;lsal fnukad&15-02-2008] bUosLVhxs'ku fjiksVZ fnuakd& 12-01-2017 dk vly] jsiqfM,'ku ysVj fnuakd&04-06-2015 dh Nk;kizfr] iksLVy jlhn fnukad&05-06-2015 dh Nk;kizfr] losZ fjiksVZ fnuakd&17-05- 2015 dh Nk;kizfr] losZ fjiksVZ fnuakd&03-06-2015 dh Nk;kizfr] lfVZfQdsV de ikWfylh 'ksM~;wy fnukad&21-11-2014 ls 201-11-2015 dh lR;kfir izfr izLrqr fd;k gS A 07- vukosnd Øekad&2 ,oa 3 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k Shriram General Insurance Co-Ltd Certificate cum policy shedule Policy no 10012/31/15/025622 Dtd 07-12-2012, fQVusl izek.k i= fnukad&14-12-2015] Mªk;foax yk;lsal fnukad&15-02-2008] okgu ds vkxeu dk fglkc i=d] izFke lwpuk fjiksVZ ,oa vU; nLrkost] U;kf;d // 11 // eftLVªsV izFke Js.kh txnyiqj dk i= Ø D;w@U;k;-@15 fnukad&21-05- 2016] izdk'kpanz Hkalkyh dk vkosnu i= dks izLrqr fd;k gS A 08- ftyk Qksje us mHk;&i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ 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 09- vihykFkhZ@vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh fyfeVsM dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh Mh- ds- FkokbZr dk rdZ gS fd nq?kZVukxzLr okgu ifjoknh ds vkf/kiR; esa ugha Fkk] mls iqfyl foHkkx dks fdjk, ij fn;k x;k Fkk vkSj ifjoknh us iqfyl foHkkx ls 16]000@&¼lksyg gtkj :Ik;s½ ,oa 50 yhVj Mhty dk Hkqxrku izkIr fd;k gS vkSj bl izdkj okgu fdjk, ij fn;k x;k Fkk uk fd mls vf/kd`r fd;k x;k FkkA nq?kZVukxzLr okgu eky okgd Fkk vkSj eky okgd ds :Ik esa chek fd;k x;k Fkk tcfd mlesa ;k=h <ks;k tk jgk Fkk rFkk pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk vkSj bl izdkj ifjoknh us chek 'krksZa dk mYya?ku fd;k gS vkSj okgu nq?kZVukxzLr gqvk Fkk mldk losZ djk;k fd;k x;k Fkk vkSj losZ;j }kjk {kfr dk vkadyu 55]062@&¼ipipu gtkj ck;lB :Ik;s½ fd;k x;k gS tcfd ftyk Qksje }kjk dsoy ,fLVesV ds vk/kkj ij {kfriwfrZ fnyk;k x;k gSA chek daiuh fdlh izdkj dh {kfriwfrZ ds fy, nkf;Rok/khu ugha gSA ftyk Qksje dk vkns'k =qfViw.kZ gSA vr% vihykFkhZ@vukosnd dz-1 dh vihy // 12 // Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 10- mRrjoknh dz-1@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jksfgr lksuh dk rdZ gS fd ifjoknh us okgu iqfyl foHkkx dks ugha lkSaik Fkk vfirq iqfyl foHkkx }kjk cyiwoZd okgu dk dCtk ys fy;k x;k Fkk vkSj mlesa 'ko dk iksLV ekVZe djkus ds fy, ys tk;k tk jgk Fkk vkSj blfy, ugha dgk tk ldrk fd okgu esa ;k=h] ;k=k dj jgs FksA ifjoknh }kjk okgu fdjk, ij ugha pyk;k tk jgk Fkk vkSj pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal FkkA ifjoknh us fdlh izdkj dh chek 'krksZa dk mYya?ku ugha fd;k gSA ftyk Qksje dk vkns'k iw.kZr% mfpr gSA vr% vukosnd dz-1 dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 11- uksfVl rkehyh ds ckn Hkh vukosnd dz-2 ,oa 3 dh vksj ls dksbZ milatkr ugha gq, gSaA 12- 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 13- ifjoknh us vius ifjokn&i= dh dafMdk&3 esa ;g vfHkopu fd;k gS fd **ifjoknh okgu cksysjks fidvi dzeakd&lh-th- 18 ,p@1382 dk iathd`r Lokeh gS vkSj mDr okgu fnukad&21-11-2014 ls 20-11-2015 dh // 13 // e/; jkf= rd vukosnd dz-1 ds ikl chfer FkkA** vukosnd dz-1 us Hkh vius fyf[kr dFku esa bl rF; dks Lohdkj fd;k gSA bl izdkj Li"V gS fd okgu vukosnd dz-1 ds ikl chfer FkkA 14- ifjoknh dk ;g Hkh vfHkopu gS fd **fnukad&16-05-2015 fnu 'kfuokj dks Fkkuk fdjanqy] ftyk nUrsokM+k ds iqfyl foHkkx }kjk ifjoknh ds LokfeRo dh okgu cksysjks fidvi dz-&lh- th- 18 ,p@1382 dks vf/kxzfgr dj vius dCts esa ysdj rFkk vius fu;a=.k o funsZ'k ij vius foHkkx ds okgu pkyd ls mDr okgu dks fdjanqy ls txnyiqj Hkstk Fkk vkSj fnukad&16-05-2015 fnu 'kfuokj ds jkf= 7%30 cts xzke dkVkdkank ,u- ,p-&63 esu jksM] Fkkuk dksM+sukj] ftyk cLrj ds ikl nq?kZVukxzLr gks x;k FkkA** vukosnd dz-2 ,oa 3 us vius fyf[kr dFku esa tks fo'ks"k dFku fd;k gS mldh dafMdk&1 esa ;g vfHkopu fd;k gS fd **fnukad&16-05-2015 ds 9%10 cts rRdkyhu Fkkuk izHkkjh fujh{kd jkts'k nsonkl gejkg LVkQ ds Fkkuk fdjanqy ds exZ dz-&21@2015 ,oa 22@2015 /kkjk&174 n- iz- la- dh exZ tkap dk;Zokgh ,oa ih- ,e- djkus vKkr 'ko dk ?kVuk LFky Vh- ,l- jkLrk ,u- ,e- Mh- lh- ekbZfuax {ks= fdjanqy jokuk gqvk Fkk** rFkk dafMdk&2 esa ;g vfHkopu fd;k gS fd **fnukad&16-05-2015 ds 16%20 cts rRdkyhu Fkkuk izHkkjh fujh{kd jkts'k nsonkl }kjk vKkr 'ko dks ih- ,e- djkus gsrq txnyiqj ys tkus okLrs fidvi dz- lh- th- 18 ,p@1382 dks vf/kxzg.k fd;k x;k** rFkk // 14 // dafMdk&3 esa Hkh okgu dks vf/kxzfgr fd;s tkus dk mYys[k gS vkSj dafMdk&4 esa nq?kZVuk gksus dk mYys[k gSA 15- bl izdj.k esa ifjoknh dh vksj ls izFke lwpuk izfrosnu ¼,usD'pj ih&10½] tIrh i=d ¼,usD'pj ih&11½] QkbZuy fjiksVZ ¼,usD'pj ih&12½ ,oa izFke lwpuk izfrosnu ¼,usD'pj ih&13½] vijk/k fooj.k dk QkeZ ¼,usD'pj ih&14½] laifRr tIrh i=d ¼,usD'pj ih&15] ih&16 ,oa ih&17½] ,oa lqiqnZxh vkns'k fnukad&21-05-2015 ¼,usD'pj ih&18½ izLrqr fd;k x;k gSA mlh izdkj vukosnd dz-2 ,oa 3 dh vksj ls Hkh mDr nLrkostksa dks izLrqr fd;k x;k gSA 16- mDr nLrkostksa ds ifj'khyu ls Li"V gS fd okgu dks iqfyl foHkkx }kjk gh vf/kd`r fd;k x;k Fkk vkSj okgu nq?kZVukxzLr gks x;k FkkA bl izdkj Li"V gS fd nq?kZVuk ds le; okgu ifjoknh ds vkf/kiR; esa ugha Fkk vfirq iqfyl foHkkx }kjk fof/kor~ vf/kxzfgr dj vius dCts esa fy;k x;k FkkA 17- /kkjk&2 ¼30½ eksVj ;ku vf/kfu;e] 1988] esa Lokeh dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj%& **30- Lokeh ls og O;fDr vfHkizsr gS ftlds uke esa eksVj ;ku jftLVj gS vkSj tgka ,slk O;fDr vo;Ld gS] ogka ml vo;Ld dk laj{k.k vfHkizsr gS vkSj ml eksVj ;ku ds laca/k esa tks vodz; djkj ;k iV~Vs ds djkj ;k vkMeku ds djkj ij fy;k x;k gS] // 15 // og O;fDr vfHkizsr gS ftldk ml ;ku ij ml djkj ds v/khu dCtk gS;** 18- /kkjk&2 ¼30½ eksVj ;ku vf/kfu;e] 1988] esa tks Lokeh dks ifjHkkf"kr fd;k x;k gS mlds ifj'khyu ls Li"V gS fd ftl le; okgu nq?kZVukxzLr gqvk Fkk ml le; okgu mlds okLrfod Lokeh ¼ifjoknh½ ds vkf/kiR; esa ugha Fkk] vfirq mDr okgu dks vukosnd dz-2 ,oa 3 }kjk vkf/kiR; esa fy;k x;k Fkk vkSj Fkkuk izHkkjh fdjanqy ds }kjk vkf/kiR; izkIr fd;k x;k Fkk vFkkZr~ vukosnd dz-2 ,oa 3 ds vkf/kiR; esa Fkk vkSj bl izdkj okLrfod Lokeh ¼ifjoknh½ dk ml le; okgu ij fu;a=.k ugha Fkk vkSj nq?kZVuk ds le; okgu okLrfod Lokeh ¼ifjoknh½ ds vkf/kiR; esa Hkh ugha FkkA 19- National Insurance Co. Ltd. Vs. Deepa Devi and others 2008 ACJ 705 (SC) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor Vehicles Act, 1988, sections 147 (1), 2 (30) and 168 (1) - Motor insurance - Requisition of vehicle - Owner - Liability of - Liability of insurance company - Car was requisitioned by the State for election duty when it met with accident resulting in death of a boy
- vehicle was insured for private purpose - Tribunal held that under the terms of the policy, insurance company was not liable - High Court in appeal held that owner, State Government and insurance company are jointly and severally liable and directed insurance company to deposit the compensation award - Owner does not exercise any control over the vehicle while the vehicle remains under requisition - Driver may be employee of the owner but he has to drive // 16 // as per direction of the officer of the State - Whether the owner of the vehicle and consequently insurance company are liable - Held : no; save and except for legal ownership, for all intent and purport the registered owner loses entire control over the vehicle; State alone is liable."
20. Purnya Kala Devi Vs. State of Assam and another, 2014 ACJ 1269 (SC) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor Vehicles Act, 1988 - Section 2 (30) and Assam Requisition and Control of Vehicles Act, 1968, Section 5 (1) - Owner - State - Requisition of vehicle - Liability of State - Bus requisitioned by the State and placed on government duty - Vehicle met with accident resulting in death of cyclist - Widow of the deceased filed claim under Motor Vehicles Act, vehicle was not insured and Tribunal awarded compensation against registered owner - High Court held that State Government cannot be held liable because liability to pay the compensation is upon registered owner, insurance company or driver of the vehicle or all or any of them - Contention that vehicle was under requisition of State Government and under Assam Requisition and Control of Vehicles Act, State Government is liable to pay compensation - Defense that State Government had only requisitioned the vehicle, it was neither the owner nor driver of the vehicle and had already released the vehicle before the accident - Claimant stated that accident occurred at 10.15 a.m. and officers of the State maintain that vehicle was released at 10.30 a.m. and accident occurred at 10.30 a.m. but failed to produce any evidence such as notice in writing served on the owner as mandated under Section 5(1) of Assam Act about date and time of release of vehicle - Legislative intention that registered owner of vehicle should not be held liable if vehicle was not in his possession and control - Whether vehicle was under
requisition of State Government under the provisions of Assam Act at the time of accident and State Government is covered under definition of 'owner' as contained in Section 2(30) - Held: yes State Government // 17 // is liable; State Government has violated Section 146 (1) by plying an uninsured vehicle in public place."
21. T.N. Das Vs. Oriental Insurance Co. Ltd. & Ors. iV (2012) CPJ 438 (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), 21(b) - Insurance
- Vehicle met with accident - Extensively damaged - Hire or reward - Claim repudiated - Alleged deficiency in service - District Forum dismissed complaint - State Commission dismissed appeal - Hence Revision - Vehicle suffered accident when it was being used by some police personnel during visit of Home Minister of State - Fora below rightly held that insured vehicle was taken on hire or reward by Government - Owner of vehicle had parted away with possession of vehicle without informing Insurance Company - Repudiation justified."
22. Niranjan Kumar Yadav Vs. National Insurance Company Limited, II (2011) CPJ 64 (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) 21(b) - Insurance
- Vehicle set on fire - Breach of terms and conditions of policy - Vehicle used by local M.L.A. during election - Near polling station vehicle attacked by some people and was set on fire - Alleged deficiency in service - District Forum dismissed complaint - State Commission dismissed appeal - Hence revision - Vehicle standing near polling booth in violation of Election Commission orders - Repudiation valid - Orders of Fora below upheld."
// 18 // 23- bl izdkj Li"V gS fd ifjoknh dk okgu ifjoknh ds vkf/kiR; esa ugha Fkk vkSj ifjoknh ds okgu dks iqfyl foHkkx }kjk vkf/kiR; esa fy;k x;k FkkA ,slh fLFkfr esa vukosnd dz-1 chek daiuh {kfriwfrZ ds fy, nkf;Rok/khu ugha gSA 24- ijUrq ;g Li"V gS fd okgu dks iqfyl foHkkx }kjk ifjoknh ls vf/kxzfgr fd;k x;k Fkk vkSj mlh nkSjku okgu nq?kZVukxzLr gqvk FkkA ,slh fLFkfr esa ifjoknh tks Hkh {kfriwfrZ ikus dk vf/kdkjh gS og vukosnd dz-2 iqfyl v/kh{kd] nf{k.k cLrj narsokM+k ,oa vukosnd dz-3 N-x- 'kklu }kjk dysDVj] nf{k.k cLrj narsokM+k ls ikus dk vf/kdkjh gSA 25- ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&21 esa {kfriwfrZ dk fu/kkZj.k fd;k gS vkSj ml ij ftyk Qksje us tks fu"d"kZ fudkyk gS og iw.kZr% mfpr gS vkSj mlh ds vuq:Ik ifjoknh 1]23]111@&¼,d yk[k rsbZl gtkj ,d lkS X;kjg :Ik;s½ {kfriwfrZ ikus dk vf/kdkjh gS] ijUrq ifjoknh mDr {kfriwfrZ dh jkf'k vukosnd dz-2 ,oa 3 ls izkIr djus dk vf/kdkjh gSA 26- vukosnd dz-2 ,oa 3 dks bl vihy dk uksfVl Hkstk x;k Fkk ijUrq vukosnd dz-2 ,oa 3 dh vksj ls dksbZ mifLFkr ugha gq, gSa rFkk ftyk Qksje ds le{k vukosnd dz-2 ,oa 3 us fyf[kr dFku izLrqr dj bl rF; dks Lohdkj fd;k gS rd okgu dks vf/kxzfgr fd;k x;k FkkA // 19 // vukosnd dz-2 ,oa 3 }kjk ,slk dksbZ Hkh dFku ugha yk;k x;k gS fd ifjoknh dks okgu dh jkf'k dk Hkqxrku fd;k x;k gSA 27- vukosnd dz-1 chek daiuh us ,d vU; cpko ;g fy;k gS fd okgu eky okgd ds :Ik esa Fkk tcfd mldk ifjpkyu ;k=h okgu ds :Ik esa fd;k tk jgk FkkA vukosnd dz-1 chek daiuh dk mDr rdZ Lohdkj ;ksX; ugha gSA vukosnd dz-2 ,oa 3 ds dFku ls Li"V gS fd mDr okgu dks vKkr 'ko dk 'ko ij{k.k djus ds fy, ys tk;k tk jgk FkkA ,slh fLFkfr esa ;g ugha dgk tk ldrk fd okgu dks ;k=h okgu ds :Ik esa mi;ksx esa yk;k tk jgk FkkA 28- tgka rd MªkbZfoax ykbZlsal dk laca/k gS] Mukund Dewangan Vs. Oriental Insurance Co. Ltd. 2017 ACJ 2011 (SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Motor Vehicle Act, 1988, Section 3 and 10(2)(d) - Driving Licence - Light Motor Vehicle - Whether a person holding licence to drive 'light motor vehicle' is competent to drive transport vehicle or omnibus, the gross vehicle weight of which does not exceed 7,500 kg or a motor car or tractor or road-roller, the unladen weight of which does not exceed 7,500 kg - Held : Yes; no separate endorsement on the licence is required to drive a transport vehicle of light motor vehicle class; a licence issued under Section 10 (2) (d) continues to be valid after amendment vide Act 54 of 1994 in MV Act and in Form 4 under rule 14 (1) of Central Motor Vehicles Rules, 1989, w.e.f. 28.03.2001. [2000 ACJ 319 (SC), 2001 ACJ 1441 (SC), 2013 ACJ 1944 (SC), 2014 ACJ 2873 (SC) confirmed; 2008 ACJ 721 (SC) partially overruled: 20978 ACJ 627 (SC), 2008 ACJ 2161 (SC), 2009 ACJ 1411 (SC) overruled'.
// 20 // Motor Vehicles Act, 1988 Section 2(21) read with Sections 2(15) and 2(48) - Light Motor Vehicle - Whether a 'light motor vehicle' as defined in section 2(21) would include a transport vehicle as per the weight prescribe in section 2(21) read with sections 2 (15) and 2 (48)
- Held : Yes : Such transport vehicles are not excluded by virtue of Amendment Act 54 1994.
Motor Vehicles Act, 1988 - Section 10(2)(e) - Transport vehicle - Whether expression 'transport vehicle' as substituted in section 10(2) (3) by virtue of Act 54 of 1994 w.e.f. 14.11.1994 relates to medium goods vehicle, medium passenger motor vehicle, heavy goods vehicle and heavy passenger motor vehicle as per section 10(2) (e) to (h) [prior to amendment of 1994] of Motor Vehicles Act, 1988 - Held :
yes, it does not exclude transport vehicle from purview of section 10 (2) (d) and section 2(21) of the Act.
Motor Vehicles Act, 1988, Section 3 and Central Motor Vehicles Rules, 1989, rule 14 (1) read with Form 4 - Driving licence - Light Motor Vehicle - Insertion of expression 'transport vehicle' in Form 4 w.e.f 28.3.2001 relates only to medium goods, medium passengers motor vehicle, heavy goods vehicles and heavy passenger motor vehicle which were submitted as transport vehicle in 1994 - Whether procedure to obtain driving licence for transport vehicle of class of light motor vehicle continues to be the same and has not been changed
- Held : yes; driver holding licence to drive light motor vehicle can drive transport vehicle of that class without any endorsement to that effect.
Interpretation of statutes - While interpreting a legislative provision, intention of the legislature, motive and philosophy of the relevant provisions, goals to be achieved by enacting the same, have to be taken into consideration - Interpretation which makes the textual interpretation match the contextual is the best - Correct interpretation is one that best harmonises the words with object of the statute - Court cannot supply casus omissus."
// 21 // 29- mDr U;k; n`"Vkar ds ifjizs{; esa bl izdj.k esa Hkh pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk] ijUrq tks Hkh {kfriwfrZ dk nkf;Ro gS og vukosnd dz-2 ,oa 3 dk gSA ,slh fLFkfr esa vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh fyfeVsM dks nkf;Ro ls eqDr fd;k tkuk mfpr gksxkA 30- vr% vihykFkhZ@vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh fyfeVsM dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&28-06-2017 vihykFkhZ@vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh fyfeVsM ds laca/k esa vikLr fd;k tkrk gS vkSj vihykFkhZ@vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh fyfeVsM dks nkf;Ro ls mUeksfpr fd;k tkrk gS] ijUrq ;g vknsf'kr fd;k tkrk gS fd mRrjoknh dz-2@vukosnd dz-2 iqfyl v/kh{kd] nf{k.k cLrj nUrsokM+k ,oa mRrjoknh dz-3@vukosnd dz-3 N-x- 'kklu }kjk dysDVj] mRrjoknh dz-1@ifjoknh dks okgu dzekad&lh- th- 18,p@1382 ds ejEer esa gksus okyk O;; 1]23]111@&¼,d yk[k rsbZl gtkj ,d lkS X;kjg :Ik;s½ bl vkns'k fnukad ls 30 fnol ds Hkhrj vnk djsaxs vkSj mDr jkf'k ij ifjokn izLrqfr fnukad&23-07-2016 ls jde dh vnk;xh fnukad rd 09 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls C;kt Hkh vnk djsaxsA mRrjoknh dz-2@vukosnd dz-2 iqfyl v/kh{kd] nf{k.k cLrj nUrsokM+k ,oa mRrjoknh dz-3@vukosnd dz-3 N-x- 'kklu }kjk dysDVj] mRrjoknh dz-
// 22 // 1@ifjoknh dks okn O;; dk 2]000@&¼nks gtkj :Ik;s½ ,oa bl vihy dk O;; 2]000@&¼nks gtkj :Ik;s½ Hkh vnk djsaxsA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsUnz xqIrk½ v/;{k lnL; lnL;
28@12@2017 28@12@2017 28@12@2017