State Consumer Disputes Redressal Commission
Liberty Videocon General Insurance ... vs Smt. Kaushalya Bai & Anr. on 27 September, 2016
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ,u- ds- Bkdqj] vf/koDrkA mRrjokfnuh dz-1 dh vksj ls Jh vkj- ds- Hkkoukuh] vf/koDrkA mRrjoknh dzekad&2 dh vksj ls Jh ,l- ih- vxzoky] vf/koDrkA vkns'k fnukad% 27@09@2016 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd dz-2 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&2015@173 Jherh dkSf'kY;k ckbZ fo:} ftyk lgdkjh dsUnzh; cSad e;kZfnr }kjk eq[; dk;Zikyu vf/kdkjh ,oa ,d // 2 // vU; esa ikfjr vkns'k fnukad&24-05-2016 ftlds }kjk mRrjokfnuh dz- 1@ifjokfnuh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- vukosnd dz-2 chek daiuh] ifjokfnuh dks chek jkf'k] chek ikWfylh dz- 4112&200501&13&5000016& 00&000 ds ,ot esa 5]00]000@&¼ikap yk[k :Ik;s½ ,oa ikWfylh dz-& 4112&400301&13&5000034&00&000 ds ,ot esa 5]00]000@&¼ikap yk[k :i;s½ dqy&10]00]000@& ¼nl yk[k :Ik;s½ vnk djsA 2- vukosnd dz-2 chek daiuh }kjk fu/kkZfjr le;kof/k ds Hkhrj mijksDr jkf'k dk Hkqxrku ifjoknh dks ugha fd;s tkus ij vukosnd dz-2] ifjokfnuh dks vkns'k fnukad ls Hkqxrku fnukad rd 12 izfr'kr okf"kZd dh nj ls C;kt vnk djus ds fy, mRrjnk;h gksxkA 3- vukosnd dz-2] ifjokfnuh dks ekufld {kfriwfrZ ds :Ik esa 1]00]000@&¼,d yk[k :Ik;s½ vnk djsA 4- vukosnd dz-2] ifjokfnuh dks okn O;; ds :Ik esa 5]000@&¼ikap gtkj :Ik;s½ Hkh vnk djsA 5- mijksDr vknsf'kr jkf'k vukosnd dz-2 chek daiuh }kjk vnk fd;s tkus ij ifjokfnuh] e`rd dh iRuh Jherh dkSf'kY;k ckbZ /k- i- Lo- jkeizlkn c?ksy dks 2]00]000@&¼nks yk[k :Ik;s½ uxn ,oa 'ks"k vknsf'kr jkf'k ifjokfnuh Jherh dkSf'kY;k ckbZ dh ilan vuqlkj fdlh jk"Vªh;d`r cSad esa 03 o"kZ ds fy, lkof/k [kkrs esa tek dh tkos] ftlesa bl ckr dk funsZ'k gks fd fcuk Qksje dh vuqefr ds le; iwoZ Hkqxrku u fd;k tk;sA ls nqf[kr gksdj izLrqr fd;k gSA // 3 // 02- mRrjokfnuh dz-1@ifjokfnuh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd mRrjokfnuh dz-1@ifjokfnuh ds ifr Lo- jkeizlkn c?ksy dk muds thoudky esa mRrjoknh dz-2@vukosnd dz-1 cSad dh 'kk[kk ckyleqan esa cpr [kkrk Fkk rFkk lsok lgdkjh lfefr dqleh iath;u dzekad&570 esa ds- lh- lh- [kkrk Fkk] }kjk 65&65@&¼iSalB&iSalB :Ik;s½ dk izhfe;e jkf'k dkVdj vihykFkhZ@vukosnd dz-2 chek daiuh ds ikl tek dj ,d lkewfgd O;fDrxr nq?kZVuk chek ikWfylh izkIr fd;k Fkk ftldk ikWfylh dzeakd&4112&200501&13&5000016&00&000 ,oa 4112&400&301&13& 5000034&00&000 gSA mDr ikWfylh ds vuqlkj chfer O;fDr dh vkdfLed e`R;q gks tkus ij mlds ukfeuh@mRrjkf/kdkjh dks 5]00]000&5]00]000@&¼ikap&ikap yk[k :Ik;s½ dqy&10]00]000@&¼nl yk[k :Ik;s½ dh jkf'k ns; gksrk tks mRrjokfnuh dz-1@ifjokfnuh dks izkIr gksuk gSA fnukad&12-10-2014 dks mRrjokfnuh dz-1@ifjokfnuh ds ifr jkeizlkn c?ksy dh vKkr Vªd pkyd }kjk ykijokghiwoZd vpkud czsd yxkus ls Vªd esa yksM lfj;k Nkrh esa ?kql tkus ls e`R;q gks xbZA mDr ?kVuk dh fjiksVZ Fkkuk csesrjk esa vKkr Vªd pkyd ds fo:} ntZ djkbZ xbZ Fkh ftldk vijk/k dzekad&603@2014 gSA fpfdRld }kjk e`rd dk iksLVekVZe fd;k x;k ftlesa e`R;q dk dkj.k vkj- Vh- ,- gsejst 'kkWd ,oa e`R;q dh izd`fr nq?kZVukRed gksus dk ys[k fd;k x;k gSA mRrjokfnuh dz-1@ifjokfnuh }kjk mDr ?kVuk dh lwpuk rqjar leLr nLrkostksa lfgr mRrjoknh dz-2@vukosnd dz-1 ds ek/;e ls vihykFkhZ@vukosnd dz-2 chek daiuh dks nh xbZ rFkk laiw.kZ nLrkostksa lfgr Dyse QkeZ Hkjdj tek fd;k x;k fdUrq vihykFkhZ@vukosnd dz-2 chek daiuh }kjk laiw.kZ tkap&iM+rky djus ds Ik'pkr~ Hkh mRrjokfnuh dz- 1@ifjokfnuh dks chek/ku dk Hkqxrku ugha fd;k x;kA fnukad&25-02- 2015 dks Åij of.kZr ikWfylh dzeakd&4112&200501&13&5000016& 00&000 dk mYys[k djrs gq, uks Dyse dk i= izsf"kr fd;k x;k ftlesa eq[;r% ?kVuk dh lwpuk <kbZ ekg foyac ls nsus rFkk e`rd ds ikl ?kVuk // 4 // ds le; MªkbZfoax ykbZlsal uk gksus dk vk/kkj fy;k x;k rFkk ikWfylh dz- &4112&400&301&5000034&00&000 ds laca/k esa dksbZ Hkh i= izsf"kr ugha fd;k x;kA mRrjokfnuh dz-1@ifjokfnuh ,d xzkeh.k ifjos'k dh de i<+h&fy[kh efgyk gS rFkk mls chek ds laca/k esa mRrjoknh dz- 2@vukosnd dz-1 v/khuLFk cSad 'kk[kk rFkk lfefr esa tkus ij tkudkjh gqbZ rc mlus mRrjoknh dz-2@vukosnd dz-1 ds ek/;e ls vihykFkhZ@vukosnd dz-2 dks lwpuk nh xbZ rFkk Dyse QkeZ Hkjk x;kA mRrjokfnuh dz-1@ifjokfnuh dk nkok lgh gS blhfy, ek= foyac ls lwpuk nsus ij vihykFkhZ@vukosnd dz-2 }kjk lgh nkos dks fujLr ugha fd;k tk ldrk rFkk tgka rd e`rd ds MªkbZfoax ykbZlsal uk gksus laca/kh vk/kkj dk mRrjokfnuh dz-1@ifjokfnuh }kjk bl vk'k; dk 'kiFk&i= nsdj Li"Vhdj.k fn;k tk pqdk gS fd mlds Lo- ifr ds ikl MªkbZfoax ykbZlsal Fkk fdUrq ?kVuk ds Ik'pkr~ mls tks e`r 'kjhj lkSaik x;k ,oa mlds lkFk cjken oLrqvksa esa MªkbZfoax ykbZlsal ugha feykA vihykFkhZ@vukosnd dz-2 }kjk tkjh mijksDr chek ikWfylh lewg O;fDrxr nq?kZVuk ikWfylh gS uk fd eksVj ikWfylh rFkk e`rd dh e`R;q vKkr Vªd pkyd dh ykijokghiwoZd d`R; ds dkj.k gqbZ gS ,slh fLFkfr esa vihykFkhZ@vukosnd dz-2 }kjk fy;k x;k vk/kkj xyr gksus ls fujk/kkj gks tkrk gSA izdj.k ds yacu ds nkSjku mRrjoknh dz-2@vukosnd dz-1 }kjk vius tokcnkok esa ys[k fd;k gS fd ,d vU; nkok i=d chek ikWfylh dz-&4112&400&301&13&5000034&00&000 fnukad&21-04-2015 dks vihykFkhZ@vukosnd dz-2 }kjk fujLr dj fn;k x;k gSA bl izdkj vihykFkhZ@vukosnd dz-2 }kjk xyr vk/kkj ij nkok fujLr dj lsok esa deh dh xbZ gS ftlds dkj.k mRrjokfnuh dz-1@ifjokfnuh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- mRrjoknh dz-2@vukosnd dz-1 dh vksj ls fyf[kr dFku izLrqr dj ;g vfHkopu fd;k x;k gS fd mRrjokfnuh dz-1@ifjokfnuh ds ifr // 5 // Lo- jkeizlkn c?ksy dh nq?kZVuk esa fnukad&12-10-2014 dks e`R;q gks xbZ FkhA mRrjokfnuh dz-1@ifjokfnuh }kjk ?kVuk dh lwpuk ,oa nq?kZVuk laca/kh nkok i=d mRrjoknh dz-2@vukosnd dz-1 ds ek/;e ls vihykFkhZ@vukosnd dz-2 dks Hkstk x;k Fkk ijUrq vihykFkhZ@vukosnd dz-2 }kjk mRrjokfnuh dz-1@ifjokfnuh }kjk izLrqr nkok i=d uks Dyse dj fnukad&25-02-2015 dks fujLr dj fn;k x;k ftldh lwpuk mRrjoknh dz-2@vukosnd dz-1 }kjk fnukad&10-03-2015 dks 'kk[kk izca/kd ckyleqan ,oa mRrjokfnuh dz-1@ifjokfnuh dks Hkstk x;kA ,d vU; nkok i=d ikWfylh dz-&4112&400301&13&5000034&00&000 fnukad&21-04-2015 dks vihykFkhZ@vukosnd dz-2 }kjk fujLr dj fn;k x;k ftldh lwpuk mRrjoknh dz-2@vukosnd dz-1 }kjk fnukad&29-04- 2015 dks 'kk[kk izca/kd 'kk[kk ckyleqan ,oa mRrjokfnuh dz-1@ifjokfnuh dks Hkstk x;k gSA vihykFkhZ@vukosnd dz-2 }kjk xyr vk/kkj ij mRrjokfnuh dz-1@ifjokfnuh dk nkok i=d fujLr dj lsok esa deh dj O;olkf;d dnkpj.k fd;k gS] ,slh fLFkfr esa mRrjokfnuh dz- 1@ifjokfnuh dks chek/ku Hkqxrku djus dh tokcnkjh vihykFkhZ@vukosnd dz-2 dh gS] mRrjoknh dz-2@vukosnd dz-1 dh ughaA mRrjokfnuh dz-1@ifjokfnuh us ;g Lohdkj fd;k gS fd Lo- Jh jkeizlkn c?ksy dh e`R;q fnukad&12-10-2014 dh lwpuk ,oa nkok i=d leLr nLrkost lfgr mRrjoknh dz-2@vukosnd dz-1 ds ek/;e ls vihykFkhZ@vukosnd dz-2 dks Hkstk x;k FkkA bl izdkj mRrjoknh dz- 2@vukosnd dz-1 }kjk lsok esa dksbZ deh ugha dh xbZ gSA vr% ifjokn&i= mRrjoknh dz-2@vukosnd dz-1 ds fo:} fujLr fd;k tkosA 04- vihykFkhZ@vukosnd dz-2 dh vksj ls fyf[kr dFku izLrqr dj ;g vfHkopu fd;k x;k gS fd mRrjokfnuh dz-1@ifjokfnuh }kjk vihykFkhZ@vukosnd dz-2 chek daiuh ds lsok esa fdlh tku&cw>dj fd, x, xyrh] viw.kZrk ;k deh dks LFkkfir ugha fd;k x;k gS ftlds dkj.k ifjokn Qksje ds {ks=kf/kdkj dh ifjf/k ls ckgj gksus ls [kkfjt fd;s tkus // 6 // ;ksX; gSA vihykFkhZ@vukosnd dz-2 chek daiuh }kjk xzqi ilZuy ,DlhMsaV ba';ksjsal ikWfylh ftyk lgdkjh dsUnzh; cSad e;kZfnr nqxZ ds uke ij chek ikWfylh esa of.kZr fu;e o 'krksZa rFkk fu"ks/k ,oa lhekvksa ds v/khu tkjh fd;k x;k Fkk ftldk ikWfylh uacj&4112&200501&13& 5000016&00&000 ,oa E;kn frfFk&14-01-2014 ls 13-01-2015 rd FkhA e`rd dk mRrjoknh dz-2@vukosnd dz-1 ds ikl dsoy ,d gh cpr [kkrk Fkk ftlls dsoy 65@&¼iSalB :Ik;s½ dh jkf'k fnukad&13-01-2014 dks dkVh xbZ ftldks ikWfylh uacj&4112&200501&13&5000016& 00&000 esa e`rd ds tksf[ke ds izfr lek;ksftr fd;k x;kA ikWfylh dz-& 4112&400301&13&5000037&00&000 ds rgr e`rd ls vFkok mRrjoknh dz-2@vukosnd dz-1 dh vksj ls vihykFkhZ@vukosnd dz-2 dks dksbZ izhfe;e jkf'k izkIr ugha gqbZ gS bl dkj.k vihykFkhZ@vukosnd dz-2 mDr ikWfylh ds rgr dksbZ {kfriwfrZ jkf'k vnk djus gsrq ftEesnkj ugha gSA mRrjokfnuh dz-1@ifjokfnuh }kjk vius ifr jke izlkn c?ksy dh vKkr Vªd pkyd }kjk vpkud czsd yxkus ls Vªd esa yksM lfj;k Nkrh esa ?kql tkus ls fnukad&12-10-2014 dks e`R;q gksuk crk;k x;k gS ftldh lwpuk chek daiuh dks mRrjoknh dz-2@vukosnd dz-1 ls nLrkost lfgr fnukad&11-01-2015 dks <kbZ ekg foyac ls izkIr gqvk gS rFkk n`?kZVuk ds le; e`rd jkeizlkn c?ksy }kjk eksVj lk;dy dk pkyu fd;k tk jgk Fkk fdUrq mlds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk tks fd chek ikWfylh ds fu;e o 'krZ dk mYya?ku gS ftlds dkj.k mRrjokfnuh dz-1@ifjokfnuh dk nkok fujLr fd;k x;k gSA vihykFkhZ@vukosnd dz-2 }kjk fdlh izdkj ls lsok esa deh ugha dh xbZ gSA fo'ks"k dFku esa ;g vfHkopu fd;k x;k gS fd iksLVekVZe fjiksVZ ds vuqlkj e`rd jkeizlkn c?ksy vius eksVj lk;dy esa vius nks lkFkh dks ihNs fcBkdj okgu dk pkyu dj jgk Fkk rFkk lkeus tk jgh lfj;k Hkjs Vªd ds czsd ekjus ls mlesa Vdjk dj pksV yxus ls e`r gksuk vafdr gSA bl izdkj eksVj lk;dy esa rhu yksx cSBuk rFkk lkeus py jgh okgu ls cxSj nwjh cuk;s ihNs pyuk eksVj ;ku vf/kfu;e rFkk ;krk;kr fu;e dk mYya?ku // 7 // gSA eksVj ;ku vf/kfu;e dh /kkjk&3 ds vuqlkj ¼1½ dksbZ O;fDr fdlh lkoZtfud LFkku ij dksbZ eksVj ;ku rc rd ugha pyk;sxk tc rd og ;ku MªkbZfoax ds fy, mls izkf/kd`r djrk gqvk] mldks tkjh fd;k x;k ,d izHkkoh MªkbZoj yk;lsal u /kkj.k djrk gks] vkSj dksbZ O;fDr bl izdkj ,d ifjogu ;ku ,slh ¼eksVj VSDlh ;k eksVj lkbZfdy½ ds vykok tks mlus vius fuft iz;ksx ds fy, HkkM+s ij fy;k gS ;k /kkjk&75 dh mi /kkjk ¼2½ ds v/khu fd;s x;s fdlh ;kstuk ds v/khu fdjk;s ij yh xbZ gS] rc rd ml izdkj ugha pyk,xk tc rd mldh MªkbZfoax yk;lsal fof'k"Vr;k mls bl izdkj djus ds fy, gdnkj ugha cukrh gSA dksbZ Hkh okgu dks fcuk oS/k ,oa izHkkoh pkyu vuqKfIr ds pykuk chek ikWfylh dh 'krZ dk mYya?ku gSA vkj- Vh- vks- }kjk MªkbZfoax ykbZlsal uacj ;k MªkbZfoax ykbZlsal dh Nk;kizfr ;k e`rd dh tUe frfFk ds vk/kkj ij MªkbZfoax ykbZlsal dh tkudkjh izkIr fd;k tkrk gSA ;fn e`rd dk MªkbZfoax ykbZlsal jgrk rks mRrjokfnuh dz-1@ifjokfnuh }kjk MqIyhdsV ykbZlsal ;k Mh- ,y- ifVZdqyj vkj- Vh- vks- ls izkIr dj is'k djrhA vihykFkhZ@vukosnd dz-2 }kjk mRrjoknh dz-2@vukosnd dz-1 dks chek djrs le; leLr fu;e ,oa 'krksZa ls fHkK djk fn;k x;k Fkk vkSj mRrjoknh dz-2@vukosnd dz-1 dk ;g drZO; gS fd og vius leLr [kkrk /kkjdksa dks chek ikWfylh dh 'krZ dh tkudkjh miyC/k djk;sA e`rd us vius thoudky esa dHkh Hkh chek ikWfylh dh 'krksZa ds ckjs esa dksbZ Hkh vkifRr ugha trkbZ FkhA ,slh fLFkfr esa chek nkos dk fuiVkjk dsoy ikWfylh ds 'krksZa ds vuqlkj gh gksxkA vihykFkhZ@vukosnd dz-2 }kjk lsok esa dksbZ deh ugha fd;k x;k gSA mRrjokfnuh dz-1@ifjokfnuh] vihykFkhZ@vukosnd dz-2 ls dksbZ vuqrks"k izkIr djus dh vf/kdkjh ugha gSA vr% ifjokn lO;; fujLr fd;k tkosA 05- mRrjokfnuh dz-1@ifjokfnuh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh (Annexure P-1)] cpr [kkrk ikl cqd (Annexure P-2)] izhfe;e dh lwph (Annexure P-3)] exZ bUVhes'ku // 8 // (Annexure P-4)] uD'kk iapk;rukek (Annexure P-5)] 'ko ijh{k.k ds fy, vkosnu ,oa 'ko ijh{kk izfrosnu (Annexure P-6)] jke izlkn c?ksy dk e`R;q izek.k&i= (Annexure P-7)] mRrjokfnuh dz-1@ifjokfnuh }kjk 'kk[kk izc/akd] ftyk lgdkjh dsUnzh; cSad e;kZfnr 'kk[kk ckyleqan dks chek jkf'k gsrq izsf"kr i= fnukad&15-10-2014 (Annexure P-8)] 'kk[kk izca/kd] ftyk lgdkjh dsUnzh; cSad e;kZfnr 'kk[kk ckyleqan }kjk eq[; dk;Zikyu vf/kdkjh ftyk lgdkjh dsUnzh; cSad e;kZfnr eq[;ky; nqxZ dks izsf"kr i= fnukad&18-11-2014 (Annexure P-9)] vihykFkhZ@vukosnd dz-2 }kjk mRrjoknh dz-2@vukosnd dz-1 dks izsf"kr i= fnukad&25-02-2015 (Annexure P-10)] eq[; dk;Zikyu vf/kdkjh }kjk 'kk[kk izca/kd 'kk[kk ckyleqan dks izsf"kr i= fnukad&10-03-2015 (Annexure P-11)] ifjp;&i= (Annexure P-12)] lgk@tu lwpuk vf/kdkjh vfrfjDr {ks=h; ifjogu dk;kZy; nqxZ }kjk Jh vk'kh"k dqekj oekZ vf/koDrk dks lwpuk ds vf/kdkj ds rgr lwpuk iznku djus gsrq izsf"kr i= fnukad&03-12-2015 (Annexure P-13)] mRrjokfnuh dz-1@ifjokfnuh }kjk vihykFkhZ@vukosnd dz-2 dks MªkbZfoax ykbZlsal ds laca/k esa izsf"kr i= fnukad&02-02-2015 (Annexure P-
14) rFkk izFke lwpuk izfrosnu (Annexure P-15) dh QksVks dkih izLrqr dh gSA 06- mRrjoknh dz-2@vukosnd dz-1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k eseksjs.Me vkWQ v.MjLVsafMax fnukad&07-01-2014 (Annexure NA-1)] fycVhZ fofM;ksdkWu tujy ba';ksjsal daiuh fyfeVsM dk isu dkMZ (Annexure NA-2) rFkk jftLVªhdj.k ds uohuhdj.k dk izek.k&i= (Annexure NA-3) dh QksVks dkih izLrqr fd;k gSA 07- vihykFkhZ@vukosnd dz-2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh dz-4112&200501&13&5000016&00&000 (Annexure NA-1)] fu;e ,oa 'krZ (Annexure NA-2)] jsiqfM,'ku ysVj fnukad&25-02-2015 (Annexure NA-3)] chek ikWfylh dz-& // 9 // 4112&400301&13&5000034&00&000 (Annexure NA-4)] jsiqfM,'ku ysVj fnukad&21-04-2015 (Annexure NA-5) rFkk eseksjs.Me vkWQ v.MjLVsafMax fnukad&07-01-2014 (Annexure NA-6) dh QksVks dkih izLrqr fd;k gSA 08- mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us mRrjokfnuh dz-1@ifjokfnuh 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-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,u- ds- Bkdqj dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA e`rd dh e`R;q dh lwpuk vR;f/kd foyac ls nh xbZ Fkh vkSj uk gh izhfe;e dh jkf'k izkIr gqvk FkkA e`rd jkeizlkn c?ksy ds lkFk vihykFkhZ@vukosnd dz-2 dk dksbZ lafonk ugha Fkk rFkk nq?kZVuk ds le; e`rd jkeizlkn c?ksy ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk rFkk e`rd }kjk okgu dk pkyu fd;k tk jgk FkkA bl laca/k esa mRrjokfnuh dz-1@ifjokfnuh }kjk ifjokn&i= esa dksbZ vfHkopu ugha dj rF;ksa dks fNik;k x;k gS] tcfd okgu pykrs le; nq?kZVuk dkfjr gqvk Fkk vkSj ftlesa e`rd jkeizlkn c?ksy dh e`R;q dkfjr gqbZ Fkh vkSj blfy, mlds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal gksuk vko';d Fkk ijUrq e`rd jkeizlkn c?ksy ds ikl dksbZ oS/k ,oa MªkbZfoax ykbZlsal ugha FkkA ,slh fLFkfr esa e`rd }kjk chek 'krksZa dk mYya?ku fd;k x;k gSA QyLo:Ik vihykFkhZ@vukosnd dz-2 chek daiuh dk {kfriwfrZ djus dk dksbZ nkf;Ro ugha curk gS vkSj nkos dks vLohdkj dj fdlh izdkj ls lsok esa deh ugha fd;k x;k gS] ijUrq ftyk Qksje us mRrjokfnuh dz- 1@ifjokfnuh ds ifjokn dks Lohdkj dj tks vkns'k ikfjr fd;k gS og iw.kZr% fof/k foijhr gS vkSj fLFkj j[ks tkus ;ksX; ugha gSA vihykFkhZ@vukosnd dz-2 dh vksj ls vius rdZ ds leFkZu esa Ishwar Chandra & Ors. Vs. Oriental Insurance Co. Ltd. & Ors. II (2007) ACC 63 (SC), New India Assurance Company Ltd. Vs. Suresh Chandra // 10 // Aggarwal III (2009) ACC 895 (SC) rFkk bl vk;ksx ds Appeal No. FA/12/95 Alok Waghe Vs. Bajaj Allianz General Insurance Company Limited Order Dated 08.11.2012 rFkk Appeal No. FA/2015/526 Smt. Sharda Bai Vs. Manager, Liberty Videocon General Insurance Company Limited Order Dated 21.03.2016 dk voyacu fy;k gSA 10- mRrjokfnuh dz-1@ifjokfnuh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj- ds- Hkkoukuh dh vksj ls fyf[kr rdZ izLrqr djrs gq, ;g O;Dr fd;k x;k gS fd mRrjokfnuh dz-1@ifjokfnuh ds nkos dks chek daiuh }kj xyr vk/kkjksa ij fujLr fd;k x;k gSA ftyk Qksje us laiw.kZ nLrkostksa dk lw{e ijh{k.k dj mfpr vkns'k ikfjr fd;k gS] mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA tgka rd MªkbZfoax ykbZlsal dk laca/k gS] vihykFkhZ@vukosnd dz-2 chek daiuh ;g izekf.kr djus esa vlQy jgk gS fd e`rd ds ikl MªkbZfoax ykbZlsal ugha Fkk rFkk tks ikWfylh tkjh dh xbZ Fkh mlesa MªkbZfoax ykbZlsal laca/kh dksb Z 'krZ mYysf[kr ugha gS vkSj ikWfylh eksVj ikWfylh ugha gS ftlesa oS/k ,oa izHkkoh MªkbZfoax ykbZlsal pkyd ds ikl gksuk vfuok;Z 'krZ gks vkSj blfy, ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gSA lkFk gh mRrjokfnuh dz-1@ifjokfnuh }kjk vkj- Vh- vks- nqxZ ls Hkh vius ifr ds MªkbZfoax ykbZlsal dk fooj.k nsus laca/kh lwpuk ds vf/kdkj ds rgr vkosnu fn;k x;k Fkk vkSj mDr vkosnu ij vkj- Vh- vks- nqxZ }kjk mls tkudkjh nh xbZ tks fd ,usD'pj ,&13 gSA bl izdkj mRrjokfnuh dz-1@ifjokfnuh ,d xzkeh.k ifjos'k dh de i<+h fy[kh efgyk gksus ds ckn Hkh vius ifr ds MªkbZfoax ykbZlsal laca/kh tkudkjh ysus dk iz;kl fd;k x;kA blds foijhr vihykFkhZ@vukosnd dz-1 chek daiuh }kjk dgha Hkh ;g izekf.kr ugha fd;k x;k gS fd mRrjokfnuh dz-1@ifjokfnuh ds ifr ds ikl 'kq: ls MªkbZfoax ykbZlsal ugha Fkk vkSj u gh dksbZ tkap djkbZ xbZ gSA ftyk Qksje dk vkns'k iw.kZr% mfpr gSA vr% vihykFkhZ@vukosnd dz-2 dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA // 11 // 11- mRrjoknh dz-2@vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,l- ih- vxzoky us ftyk Qksje }kjk ikfjr vkyksP; vkns'k dk leFkZu djrs gq, vihy fujLr fd;s tkus dk fuosnu fd;k gSA 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- tgka rd foyac dk laca/k gS] mRrjokfnuh dz-1@ifjokfnuh us vius ifjokn&i= dh dafMdk&3 esa ;g crk;k gS fd **fnukad&12-10- 2014 dks f'kdk;rdrhZ ds ifr jkeizlkn c?ksy dh vKkr Vªd pkyd }kjk ykijokghiwoZd vpkud czsd yxkus ls Vªd esa yksM lfj;k Nkrh esa ?kql tkus ls e`R;q gks xbZA mDr ?kVuk dh fjiksVZ Fkkuk csesrjk esa vKkr Vªd pkyd ds fo:} ntZ djk;h x;h Fkh ftldk vijk/k dzekad&603@2014 gS rFkk fpfdRld }kjk e`rd dk iksLV ekVZe fd;k x;k ftlesa e`R;q dk dkj.k vkj- Vh- ,- gsejst 'kkWd ,oa e`R;q dh izd`fr nq?kZVukRed gksus dk ys[k fd;k x;k gS** rFkk ifjokn&i= dh dafMdk&4 esa ;g vfHkopu dh gS fd **vukosnd chek daiuh us ?kVuk dh lwpuk <kbZ ekg foyac ls nsus rFkk e`rd ds ikl MªkbZfoax ykbZlsal ugha gksus dk vk/kkj fy;k x;k gSA** bl izdkj ;g Li"V gS fd e`rd jke izlkn c?ksy ds e`R;q dh lwpuk chek daiuh dks <kbZ ekg foyac ls fn;k x;k FkkA 14- tgka rd foyac ls lwpuk nsus dk laca/k gS] ;g lR; gS fd ?kVuk gksus ij ftlds dkj.k bl ikWfylh ds varxZr nkok gks ldrk gS] ?kVuk dh lwpuk chek daiuh dks iw.kZ fooj.kksa lfgr rqjar fyf[kr esa fn;k tkuk pkfg, ;k nkg laLdkj ls iwoZ ;k e`R;q ds ckn ,d dSys.Mj ekg ds Hkhrj lwpuk fn;k tkuk pkfg,] ijUrq Madras Port Trust Vs. Hymanshu International by Its Proprietor Vs. Venkatgiri (Dead) by L.R.s, (1979) 4 // 12 // Supreme Court Cases 176 ds U;k; n`"Vkar ds ifjizs{; esa dsoy bl dkj.k ls fd e`rd dh e`R;q dh lwpuk yxkHkx <kbZ ekg Ik'pkr~ fn;k x;k gS] mlds nkos dks vLohdkj djus dk vk/kkj ugha cuk;k tk ldrk gSA chek daiuh dks ,sls izdj.kksa esa lgkuqHkwfriwoZd fopkj fd;k tkuk pkfg,A mRrjokfnuh dz-1@ifjokfnuh ds vuqlkj mlds ifr dh vkdfLed vFkok vlkef;d e`R;q gqbZ Fkh vkSj ftldh lwpuk fn;k x;k FkkA mRrjokfnuh dz-1@ifjokfnuh dh vksj ls ,usD'pj ,&8 dk i= izLrqr fd; x;k gS tks fd 'kk[kk izca/kd ftyk lgdkjh dsUnzh; cSad e;kZfnr dks izsf"kr fd;k x;k gS ftlesa jke izlkn c?ksy dh e`R;q fnukad&12-10-2014 dks gksuk mYysf[kr gS vkSj ;g lwpuk cSad dks fnukad&15-10-2014 dks izkIr gks x;k gSA bl izdkj mRrjokfnuh dz-1@ifjokfnuh us cSad dks fcuk foyac fd, e`R;q dh lwpuk fn;k Fkk vkSj ftyk lgdkjh dsUnzh; cSad e;kZfnr us ;fn chek daiuh dks lwpuk nsus esa dqN foyac dkfjr fd;k gS rks ;g nkos dks fujLr djus dk vk/kkj ugha cuk;k tk ldrk gSA 15- vc ;g ns[kuk gS fd D;k nq?kZVuk ds le; e`rd jke izlkn c?ksy ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk\ ;fn ugha rks mldk izHkko\ 16- mRrjokfnuh dz-1@ifjokfnuh dh vksj ls exZ baVhes'ku] uD'kk iapk;rukek] 'ko ijh{k.k izfrosnu dh Nk;kizfr izLrqr fd;k x;k gSA exZ baVhes'ku larks"k tkaxM+s }kjk ntZ djk;k x;k gS vkSj exZ baVhes'ku esa ;g mYysf[kr gS fd **lwpukdrkZ fnukad&12-10-2014 dks vius lkFkh jke izlkn ds eksVj lk;dy esa thou ds lkFk ihNs cSBdj xzke ipjh ls ?kj is.Mªh tk jgs Fks rks 18%20 cts jkadk vkSj tsojk ds e/; vKkr Vªd ds czsd yxkus ls eksVj lk;dy lfgr Vdjk dj fxj x;s rFkk yksgs dh lfj;k lhuk esa ?kqlus ls jke izlkn dk ekSds ij gh QkSr gks x;k gSA** exZ baVhes'ku ds ifj'khyu ls Li"V gS fd ftl le; nq?kZVuk dkfjr gqvk ml le; jke izlkn c?ksy eksVj lk;dy dks pyk jgk FkkA // 13 // 17- mRrjokfnuh dz-1@ifjokfnuh dh vksj ls jke izlkn c?ksy dk dksbZ MªkbZfoax ykbZlsal izLrqr ugha fd;k x;k gSA tgka rd MªkbZfoax ykbZlsal dk laca/k gS] izFke n`"V;k mls lkfcr djus dk Hkkj fd nq?kZVuk ds le; pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk] og mRrjokfnuh dz-1@ifjokfnuh dk gS vkSj mRrjokfnuh dz-1@ifjokfnuh }kjk vxj dksbZ MªkbZfoax ykbZlsal izLrqr fd;k tkrk rks og MªkbZfoax ykbZlsal Genuine gS ;k ugha ;k mls tkjh fd;k x;k gS ;k ugha] ;g lR;kiu djkus dk mRrnkf;Ro chek daiuh dk gks tkrk gSA bl izdj.k esa mRrjokfnuh dz-1@ifjokfnuh dh vksj ls lwpuk ds vf/kdkj vf/kfu;e] 2005] ds varxZr vfrfjDr {ks=h; ifjogu vf/kdkjh nqxZ ls tkudkjh ekaxh xbZ Fkh ftlesa ;g crk;k x;k Fkk fd jke izlkn dk MªkbZfoax ykbZlsal uacj] pkyu vuqKfIr rFkk tkjh frfFk ,oa Nk;kizfr iznku djsa] ijUrq bl izdkj dh dksbZ tkudkjh mRrjokfnuh dz-1@ifjokfnuh }kjk iznku ugha fd;k x;k vkSj tc mRrjokfnuh dz-1@ifjokfnuh }kjk gh jke izlkn ds i{k esa dksbZ MªkbZfoax ykbZlsal tkjh fd;k x;k Fkk ;k ugha] ;g ugha crk;k tk ldk gS vkSj ,slh fLFkfr esa fcuk MªkbZfoax ykbZlsal ds ;k iwoZ mlds uacj ds chek daiuh }kjk mldk lR;kiu djk;k tkuk laHko ugha gSA gkykafd 'ko ijh{k.k izfrosnu ds ifj'khyu ls Li"V gS fd jke izlkn c?ksy dh e`R;q nq?kZVukRed izd`fr dk gS rFkk e`rd }kjk xz`Ik ilZuy ,DlhMsaV ikWfylh dzekad&4112&200501&13&5000016&00&000 ,oa 4112&400301&13&5000034&00&000 vihykFkhZ@vukosnd dz-2 ls mRrjoknh dz-2@vukosnd dz- 1 ds ek/;e ls izkIr fd;k Fkk rFkk ikWfylh ds vfLrRo esa jgrs gq, e`rd jke izlkn c?ksy dh e`R;q gqbZ FkhA 18- vc ;g ns[kuk gS fd D;k mRrjokfnuh dz-1@ifjokfnuh ikWfylh ds v/khu dksbZ {kfriwfrZ ikus dh vf/kdkfj.kh gS\ 19- vihykFkhZ@vukosnd dz-2 ba';ksjsal daiuh dk eq[; vk{ksi ;g gS fd nq?kZVuk ds le; jke izlkn c?ksy eksVj lk;dy pyk jgk Fkk vkSj // 14 // mlds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZZlsal ugha FkkA blds foijhr mRrjokfnuh dz-1@ifjokfnuh vf/koDrk dk ;g rdZ gS fd tks ikWfylh Fkk og xzqi ilZuy ,DlhMsaV ikWfylh Fkk vkSj ,slh fLFkfr esa MªkbZfoax ykbZlsal vko';d ugha FkkA 20- Ishwar Chandra And Others vs. Oriental Insurance Co. Ltd.
And Others (Supra) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "9. From a bare perusal of the said provision, it would appear that the licence is renewed in terms of the said Act and the rules framed thereunder. The proviso appended to Section 15(1) of the Act in no uncertain terms states that whereas the original licence granted despite expiry remains valid for a period of 30 days from the date of expiry, if any application for renewal thereof is filed thereafter, the same would be renewed from the date of its renewal. The accident took place 28-4-1995. As on the said date, the renewal application had not been filed, the driver did not have a valid licence on the date when the vehicle met with the accident.
21. United India Insurance Company Limited through Divisional Manager Vs. Sujata Arora and Others 2013 (III) D.M.P. 289 (SC); esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. ................... The very fact which stood established that licence of driver Jagdish was a fake one, would completely exonerate Insurance Company."
22- New India Assurance Company Ltd. Vs. Suresh Chandra Aggarwal (Supra) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Driving licence of driver driving vehicle at accident time expired on 25th October, 1991, four months prior to accident- Renewed // 15 // subsequently from 23rd March, 1992- No application for renewal of licence made within 30 days of date of expiry- Licence could not be renewed with effect from date of its expiry- Deceased driver had no valid and effective licence on dete of accident- Provisions of Motor vehicles Act violated by entrusting vehicle to person not holding valid licence- Insurer not liable to indemnify for loss suffered- Repudiation of claim justified."
23. National Insurance Co. Ltd. vs. Sushil Jain, 2015 (2) CPR 263 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "5. We have carefully considered the contentions raised by the counsel for the parties and have perused the record. Admittedly, the driving licence of Rajesh Jindal who was driving the vehicle at the time of accident had expired as on the date of accident. Learned counsel for the respondent/complainant fairly admitted during the course of hearing that the respondent did not apply for its renewal within the grace period of 30 days. In view of this, the driver of the vehicle admittedly did not hold any valid and effective driving licence while driving the vehicle. We have perused the original driving licence produced by the respondent but we did not find any mention of the date of renewal. In view of this admitted position, this case is squarely covered by the judgment of the Apex Court in Ishwar Chand's case (supra). The cases relied by the counsel for the respondent cannot provide any relief to the respondent in view of the law laid down by the Apex Court in which the ratio in the case of Swaran Singh has also been considered but not followed. Both the fora below obviously committed grave error in ignoring the specific provisions of section 15 (1) of the Motor Vehicles Act while admitting the case of the respondent and returning their findings in his favour. In respect of the claim of the insured himself, the issue as to whether the driver of the vehicle was disqualified from holding a driving licence or driving is no longer relevant keeping in view the ruling given by the Apex Court in Ishwar Chandra's case. The impugned orders, therefore, cannot be sustained in the eye of law and must be set aside. Accordingly, we // 16 // allow the revision petition and set aside the impugned orders of the State Commission and the District Forum.
24. Karnail Singh v. United India Insurance Company Limited, II (2010) CPJ 104 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Driver driving vehicle without valid licence, in violation of terms and conditions of policy, repudiation of claim by insurer is justified."
25. Thomas Mathew vs. Oriental Insurance Company Limited, II (2006) CPJ 309 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. In the aforementioned circumstances, the State Commission committed no error in returning the finding that there was no valid licence with the driver to drive the vehicle as per provisions of Motor Vehicles Act on 14.5.1996. The State Commission has also considered the provisions of Section 14 of the Motor Vehicles Act and has rightly concluded that even if benefit of 30 days from 12.4.1996 is given, in case he had applied for renewal of licence, even then on the date of accident, i.e, 14.5.1996, the driver did not have any valid driving licence, thus, falling under the General Exception clause of the policy which mandates the driver to hold an effective and valid driving licence failing which the claim was not to be payable."
26. 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 // 17 // policy which would vitiate contract of insurance and as such insurance company would be entitled to repudiate claim."
27- Smt. Maankunwar Sinha Vs. Oriental Insurance co. Ltd. 2016 (3) CPR 532 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Complaints resisted by insurer primarily on ground that at the time of accident deceased did not possess a valid and effective driving licence- Complaints dismissed by State Commission in appeal- Driving licence which deceased possessed at the time accident took place was an expired licence- Deceased did not possess a valid and subsisting licence on the date accident happened- Insurance policy required driver of vehicle to possess an effective driving licence at the time of accident."
28- 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."
29- Appeal No. FA/12/95 Alok Waghe Vs. Bajaj Allianz General Insurance company Limitd and Appeal No. FA/12/98 Bajaj Allianz General Insurance company Limitd Vs. Alok Waghe (Supra) esa bl vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "7. The incident was that of 16.12.2008. Copy of the driving licence of the driver is annexure D-1. On this driving licence, it has been stated that it was issued on 18.09.1984 and was valid for driving motorcycle and Light Motor Vehicle till 07.05.2012. Later on, endorsement regarding Heavy Good Vehicle was made on 03.05.1986.
// 18 // Thereafter, the period of renewal was limited. First of all it was renewed on 17.08.2001 till 16.08.2004, then till 16.08.2007 and thereafter is was not got renewed. Ultimately, next renewal was for the period from 08.05.2009 to 07.05.2012. Thus, it appears that the driving licence of the driver was not got renewal for the period from 16.08.2007 to 08.05.2009, whereas the date of incident was 16.12.2008. on that date, and thereafter for next five months the driving licence was not renewed. These are the facts, which are apparent from the record.
11. ...........................so far as driver is concerned, it has been clearly stated that only that person, who was having valid and effective driving licence can drive the vehicle and no one else. This was a basic requirement of the terms of the insurance policy and as this term was violated, so it amounts material violation of the terms of the insurance policy."
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