State Consumer Disputes Redressal Commission
Smt.Khomin Bai vs Relationship Manager Ruler & ... on 7 June, 2017
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i{kdkjksa ds vf/koDrk vihykfFkZuh dh vksj ls Jh ,y- ds- tks'kh] vf/koDrkA mRrjoknh dzekad&1 vuqifLFkrA mRrjoknh dzekad&2 dh vksj ls Jh ,l- ih- vxzoky] vf/koDrkA vkns'k fnukad% 07@06@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykfFkZuh@ifjokfnuh uss ;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&2016@36 Jherh [kksfeu ckbZ fo:} fjys'kuf'ki eSustj] :yj ,.M dks&vkWijsfVo cSad] fycVhZ fofM;ksdkWu tujy // 2 // ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k fnukad&24 tuojh 2017 ftlds }kjk vihykfFkZuh@ifjokfnuh ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k gSA 02- vihykfFkZuh@ifjokfnuh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fad vihykfFkZuh@ifjokfnuh Lo-jkts'k dqekj lkgw dh iRuh gSA Lo- jkts'k dqekj lkgw jk;iqj LVhy IykaV esa lqijokbZtj dk dk;Z djrk Fkk ftldk cpr [kkrk dzekad&4443 mRrjoknh dz- 2@vukosnd dz-2 cSad esa FkkA mRrjoknh dz-1@vukosnd dz-1 }kjk mRrjoknh dz-2@vukosnd dz-2 ds [kkrsnkjksa ds fy, lkewfgd O;fDrxr nq?kZVuk vuusEM ikWfylh tkjh dh xbZ Fkh ftldk ikWfylh dzekad&4112&20050&13&50000&16&00000 gS tks fnukad&14-01-2014 ls 13-01-2015 rd dh vof/k ds fy, tkjh fd;k x;k Fkk ftldh chek jkf'k&5]00]000@&¼ikap yk[k :Ik;s½ FkhA mDr ikWfylh ds rgr Lo- jkts'k dqekj lkgw ds cpr [kkrs ls mRrjoknh dz-2@vukosnd dz-2 }kjk 65@&¼iSalB :Ik;s½ dk izhfe;e dkVdj mRrjoknh dz-1@vukosnd dz-1 ds ;gka tek fd;k x;k FkkA Lo- jkts'k dqekj lkgw fnukad&03-01-2015 dks 6%30 cts M~;wVh ls ?kj vkrs le; eksVj lk;dy dks xzke pSuxat ds nkÅ rkykc ds ikl [kM+h dj 'kkSp djus x;k Fkk vkSj 'kkSp dj ikuh ysus rkykc dh vksj tkrs le; tehu esa fQlydj fxjus ls mls vizR;kf'kr :Ik ls lnek igaqpus ij ?kcjkgV iSnk gksus ds dkj.k mls vVSd vk x;k vkSj mldh ekSr gks xbZ tks fd ,d nq?kZVukRed e`R;q gSA mDr ?kVuk dh lwpuk fnukad&03-01-2015 dks Fkkuk xq.Mjnsgh esa nh xbZ ftl ij exZ // 3 // dzekad&01@05 /kkjk&174 tk- QkS- gS ftldk iksLV ekVZe fnukad&03-01- 2015 dks fd;k x;kA nq?kZVuk dh lwpuk ekSf[kd :Ik ls mRrjoknh dz- 2@vukosnd dz-2 dks nh xbZ rc mRrjoknh dz-2@vukosnd dz-2 }kjk nkok izi= dk QkeZ fn;k x;k fdUrq vihykfFkZuh@ifjokfnuh vius ifr dh vpkud e`R;q ds dkj.k lnes esa Fkh vkSj mlls og mcj ugha ikbZ Fkh ftlds dkj.k nkok izi= nsus esa foyac gks x;k vkSj nkok izi= 'kk[kk izca/kd dks Hkjdj fn;k x;k ijUrq dksbZ lwpuk u feyus ij vihykfFkZuh@ifjokfnuh }kjk vius vf/koDrk ds ek/;e ls fnukad&30-05- 2015 dks mRrjoknh dz-1@vukosnd dz-1 dks uksfVl izsf"kr dj chek/ku dh jkf'k&5]00]000@&¼ikap yk[k :Ik;s½ dh ekax dh xbZ rc mRrjoknh d-1@vukosnd dz-1 }kjk tokc fn;k x;k fd mRrjoknh dz-2@vukosnd dz-2 cSad }kjk nkok dh lwpuk ,oa nkok izi= dh tkudkjh ugha nh xbZ gS tcfd vihykfFkZuh@ifjokfnuh us nkok izi= Hkjdj 'kk[kk izca/kd dks lkjs nLrkostksa ds lkFk izLrqr dh FkhA bl izdkj mRrjoknh dz-1@vukosnd dz- 1 }kjk chek/ku dk Hkqxrku u dj O;kolkf;d dnkpj.k rFkk lsok esa deh fd;k gS ftlds dkj.k vihykfFkZuh@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-1@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vkifRr fd;k x;k gS fd vihykfFkZuh@ifjokfnuh }kjk ,slk dksbZ nLrkost is'k ugha fd;k x;k gS // 4 // ftlls ;g izdV gks fd vihykfFkZuh@ifjokfnuh }kjk e`rd ds lanHkZ esa fdlh Hkh izdkj dk nkok izLrqr fd;k x;k gksA e`rd ds e`R;q ds ckjs esa bl mRrjoknh dz-1@vukosnd dz-1 dks izFke lwpuk vf/koDrk uksfVl fnukad&30-05-2015 ds tfj;s gqvk] uksfVl ds vykok mRrjoknh dz- 1@vukosnd dz-1 dks dHkh Hkh nkok QkeZ rFkk dkxtkr izkIr ugha gqvk gSA vihykfFkZuh@ifjokfnuh }kjk ,slk dksbZ nLrkost izLrqr ugha fd;k x;k gS ftlls ;g izrhr gks fd e`rd jkts'k dqekj lkgw dh tksf[ke ds fy, mRrjoknh dz-1@vukosnd dz-1 dks dksbZ izhfe;e jkf'k feyh gks rFkk mldk fdlh izdkj dk chek fd;k x;k gksA chek ikWfylh dz-& 4112&200501&13&5000016&00&000 ftyk lgdkjh dsUnzh; cSad e;kZfnr nqxZ ds uke ls tkjh fd;k x;k gS ftlds rgr e`rd dk chek fd;k x;k Fkk] ;g lkfcr djus dk Hkkj ikWfylh gksYMj dk gS vkSj tc rd ikWfylh gksYMj e`rd dk ikWfylh ds rgr chek Lohdkj ugha djrk rc rd e`rd ikWfylh esa chfer Fkk] ;g ugha ekuk tk ldrkA mDr chek ikWfylh ds rgr chek daiuh dh ftEesnkjh dsoy chfer O;fDr ds ikWfylh esa of.kZr nq?kZVuko'k e`R;q gksus dh fLFkfr eas gh gksrh gS vkSj vxj chfer O;fDr dh ikWfylh esa of.kZr nq?kZVuk ds flok; vU; fdlh izdkj ls e`R;q gksrh gS rks ,slh fLFkfr esa chek daiuh dh dksbZ ftEesnkjh ugha gksrh gSA tkap fu"d"kZ izfrosnu esa e`rd dh e`R;q dk dkj.k gkVZ vVSd vk tkus ls gksuk ik;k x;k gS ,oa uD'kk iapk;rukek esa e`rd dh e`R;q 'kjkc ds u'ks esa 'kkSp djus rkckc esa x;k Fkk vkSj 'kkSp djus ds Ik'pkr~ rkykc esa ikuh ysus gsrq tkrs le; u'ks dh gkyr esa of.kZr gSA exZ baVhes'ku esa Hkh e`rd ds eqag // 5 // ls 'kjkc ihus dh cncw vk jgh gS vkSj e`rd ds 'kjhj dks ns[kus ls ,slk izrhr gksrk gS fd e`rd vR;f/kd ek=k esa 'kjkc ihus ds dkj.k of.kZr gS rFkk 'ko ijh{kk izfrosnu esa Cause of Death Anemia mega heart cause heart attack mYysf[kr gSA bl izdkj Li"V gS fd e`rd e`R;q ds le; vR;f/kd 'kjkc ds u'ks esa Fkk vkSj mldh e`R;q nq?kZVuko'k vkbZ pksVksa ls ugha cfYd jDr esa fgeksXyksfcu dh ek=k de gksus ls vk;s fny ds nkSjs ls ;kuh chekjh@jksx ls gqbZ gSA mRrjoknh dz-1@vukosnd dz-1 }kjk xzqi ilZuy ,DlhMsV 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 tkap fu"d"kZ izfrosnu esa e`rd dh e`R;q gkVZ vVSd vk tkus ls QkSr gksuk ik;k x;k gS ,oa exZ baVhes'ku esa e`rd ds eaqg ls 'kjkc ihus dh cncw vk jgk gS ,oa e`rd ds 'ko dks ns[kus ls ,slk izrhr gksrk gS fd e`rd vR;f/kd ek=k esa 'kjkc ihus ds dkj.k rkykc esa fQly dj fxj x;k ftlls e`rd dh e`R;q gks xbZ rFkk iksLV ekVZe fjiksVZ esa Cause of Death Anemia mega heart cause heart attack mYysf[kr gSA bl izdkj e`rd dh e`R;q nq?kZVukRed e`R;q ugha FkhA vihykfFkZuh@ifjokfnuh dh vksj ls nq?kZVuk dh lwpuk ,oa Dyse QkeZ chek daiuh dks izkIr ugha gqvk gS ftlds dkj.k chek daiuh }kjk dksbZ dk;Zokgh ugha fd;k tk ldkA mRrjoknh dz- 1@vukosnd dz-1 chek daiuh }kjk fdlh izdkj dh lsok esa deh rFkk // 6 // O;kolkf;d dnkpj.k ugha fd;k x;k gSA vr% vihykfFkZuh@ifjokfnuh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh dz-2@vukosnd dz-2 ftyk Qksje ds le{k vuqifLFkr Fkk vkSj mldh vksj ls dksbZ fyf[kr dFku ,oa lk{; izLrqr ugha gSA 05- vihykfFkZuh@ifjokfnuh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k tkap fu"d"kZ izfrosnu (Annexure A-1)] uD'kk iapk;rukek (Annexure A-2)] 'ko ijh{k.k ds fy, vkosnu (Annexure A-3)] 'ko ijh{kk izfrosnu (Annexure A-4)] vijk/k fooj.k dk QkeZ (Annexure A-5)] lEifRr tIrh i=d (Annexure A-6)] exZ baVhes'ku (Annexure A-7) dh izekf.kr izfrfyfi rFkk e`R;q izek.k&i= (Annexure A-8)] ikWfylh 'ksM~;wy (Annexure A-9)] vf/koDrk uksfVl fnukad&30-05-2015 (Annexure A-10) dh Nk;kizfr] izkfIr Lohd`fr jlhn dk vly (Annexure A-11) rFkk vf/koDrk uksfVl dk tokc (Annexure A-12)] Dyse QkeZ (Annexure A-13)] lsfoax ikl cqd (Annexure A-14)] vihykfFkZuh@ifjokfnuh dk Hkkjr fuokZpu vk;ksx }kjk tkjh ifjp;&i= (Annexure A-15)] vk/kkj dkMZ̀ (Annexure A-16 to 18) rFkk jkts'k dqekj dk Hkkjr fuokZpu vk;ksx }kjk tkjh ifjp;&i= (Annexure A-19) dh Nk;kizfr] iksLVy jlhn fnukad&15-01-2016 dk vly (Annexure A-20) rFkk ryokuk QkeZ (Annexure A-23) dh Nk;kizfr izLrqr fd;k gSA // 7 // 06- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls vius i{k leFkZu esa ftyk Qksje dss le{k chek ikWfylh e; fu;e&'krZ dh Nk;kizfr (Annexure NA1-1 to 1/18) dh Nk;kizfr izLrqr fd;k gSA S 07- ftyk Qksje us mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ vihykfFkZuh@ifjokfnuh ds ifjokn dks fujLr fd;k gS ftlds fo:} ;g vihy gSA 08- vihykfFkZuh@ifjokfnuh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,y- ds- tks'kh dk rdZ gS fd vihykfFkZuh@ifjokfnuh ds ifr Lo- jkts'k dqekj lkgw dk mRrjoknh dz-2@vukosnd dz-2 cSad es cpr [kkrk dzekad&4443 Fkk vkSj mRrjoknh dz-2@vukosnd dz-2 us vius [kkrsnkjksa ds fy, lkewfgd O;fDrxr nq?kZVuk vuusEM ikWfylh mRrjoknh dz-1@vukosnd dz-1 ls izkIr fd;k Fkk vkSj e`rd jkts'k dqekj lkgw Hkh chfer Fkk vkSj mlds [kkrs ls 65@&¼iSalB :Ik;s½ izhfe;e dh dVkSrh dj mRrjoknh dz-1@vukosnd dz-1 ds ikl tek fd;k x;k Fkk vkSj chfer jkf'k&5]00]000@&¼ikap yk[k :Ik;s½ FkhA fnukad&03-01-2015 dks e`rd jkts'k dqekj lkgw 'kke 6%30 cts xzke pSuxat ds nkÅ rkykc ds ikl eksVj lk;dy [kM+h dj 'kkSp ds fy, x;k Fkk vkSj ikuh ysus rkykc dh vksj tkrs le; tehu esa fQlydj fxj x;k vkSj ?kcjkgV gksus ds dkj.k mls vVSd vk x;k vkSj mldh e`R;q gks xbZ vkSj pwafd e`rd jkts'k dqekj lkgw dh e`R;q fQlydj fxjus ls gqbZ gS blfy, e`R;q nq?kZVukRed izd`fr dk gS vkSj QyLo:Ik vihykfFkZuh@ifjokfnuh e`rd jkts'k dqekj lkgw dh // 8 // iRuh gksus ds ukrs mldh oS/k mRrjkf/kdkfj.kh gS vkSj blfy, mDr jkf'k izkIr djus dh vf/kdkfj.kh gS] ijUrq ftyk Qksje us =qfViw.kZ :Ik ls ;g fu"d"kZ fudkyk gS fd e`rd vR;f/kd 'kjkc fi;k gqvk Fkk vkSj mlds eqqag ls 'kjkc dh cncw vk jgh Fkh blfy, vihykfFkZuh@ifjokfnuh {+kfriwfrZ ikus dh vf/kdkfj.kh ugha gSA ftyk Qksje dk vkns'k =qfViw.kZ gS vkSj fLFkj j[ks tkus ;ksX; ugha gSA vr% vihykfFkZuh@ifjokfnuh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr djrs gq, vihykfFkZuh@ifjokfnuh dks chfer jkf'k&5]00]000@&¼ikap yk[k :Ik;s½ C;kt lfgr fnykbZ tkosA 09- mRrjoknh dz-1@vukosnd dz-1 ij uksfVl rkehyh ds ckn Hkh bl vihy esa mldh vksj ls dksbZ milatkr ugha gq, gSaA 10- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,l- ih- vxzoky dk rdZ gS fd e`rd jkts'k dqekj lkgw dks chfer fd;k x;k Fkk vkSj mlds [kkrs ls 65@&¼iSalB :Ik;s½ dh jkf'k dh dVkSrh dh xbZ Fkh vkSj mls mRrjoknh dz-1@vukosnd dz-1 dks izsf"kr fd;k x;k Fkk vkSj mRrjoknh dz-2@vukosnd dz-2 }kjk fdlh izdkj ls lsok esa deh ugha dh xbZ gS blfy, mRrjoknh dz-2@vukosnd dz-2 ds laca/k esa vihykfFkZuh@ifjokfnuh dh vihy fujLr fd;k tkosA 11- 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 // 9 // 12- mRrjoknh dz-1@vukosnd dz-1 us vius fyf[kr dFku esa ;g vk{ksi fd;k gS fd e`rd chfer ugha Fkk vkSj mldh vksj ls izhfe;e dh jkf'k izkIr ugha gqvk FkkA vihykfFkZuh@ifjokfnuh dh vksj ls cpr [kkrs dh udy ¼,usD'pj ,&14½ izLrqr fd;k x;k gS ftlesa fnukad&13-01-2014 dks nq?kZVuk chek ds ,ot esa 65@&¼iSalB :Ik;s½ dh jkf'k mRrjoknh dz- 2@vukosnd dz-2 }kjk dVkSrh dh xbZ gSA ,usD'pj ,&9 fycVhZ fofM;ksdkWu xzqi ilZuy ,DlhMsaV ikWfylh 'ksM~;wy gS tks fd ftyk lgdkjh dsUnzh; cSad e;kZfnr nqxZ ds i{k esa tkjh gqvk gS vkSj ;g ikWfylh vuusEM ikWfylh gS vkSj ikWfylh fnukad&21-01-2014 dks tkjh fd;k x;k gS tks fd fnukad&14-01-2014 ls 13-01-2015 rd dh vof/k ds fy, Fkk vkSj nq?kZVuk fgrykHk ls lacaf/kr FkkA mDr ikWfylh ,usD'pj ,u,1&1 ds :Ik esa mRrjoknh dz-1@vukosnd dz-1 }kjk Hkh izLrqr fd;k x;k gS vkSj bl izdkj Li"V gS fd mRrjoknh dz-2@vukosnd dz-2 us vius [kkrsnkjksa ds laca/k esa ikWfylh izkIr fd;k Fkk vkSj [kkrs dh udy ls Li"V gS fd e`rd jkts'k dqekj lkgw ds [kkrs ls Hkh izhfe;e dh jkf'k dh dVkSrh dh xbZ Fkh vkSj mDr jkf'k mRrjoknh dz-2@vukosnd dz-2 }kjk mRrjoknh dz- 1@vukosnd dz-1 dks izsf"kr fd;k x;k gSA bl izdkj Li"V gS fd e`rd jkts'k dqekj lkgw chfer FkkA 13- vc ;g ns[kuk gS fd D;k e`rd jkts'k dqekj lkgw dh e`R;q nq?kZVukRed izd`fr dk gS\ ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&8 esa ;g fu"d"kZ fudkyk gS fd **'ko ijh{k.k fjiksVZ ,usD'pj ,&4 // 10 // esa gkVZ vVSd ls e`R;q gksuk mYysf[kr gSA ,usD'pj ,&5 ?kVuk LFky dk ekSds ds vuqlkj ,slh dksbZ fLFkfr izdV ugha gksrh gS fd e`rd dh e`R;q nq?kZVuk esa gqbZ gksA ,usD'pj ,&7 exZ baVhes'ku esa Hkh e`rd ds eqag ls 'kjkc dh cncw vkuk mYysf[kr gS rFkk vR;f/kd ek=k esa 'kjkc ihus ds dkj.k fxjus dk mYys[k gS] vFkkZr~ ?kVuk ds le; e`rd u'ks ds ?kksj izHkko esa Fkk** vkSj bl vk/kkj ij chek daiuh }kjk lsok esa deh ugha ekurs gq, vihykfFkZuh@ifjokfnuh dk ifjokn fujLr fd;k x;k gSA 14- geus 'ko ijh{k.k izfrosnu dk ifj'khyu fd;kA 'ko ijh{k.k izfrosnu esa e`R;q dk dkj.k Anemia mega heart crk;k x;k gS ijUrq tks uD'kk iapk;rukek ¼,usD'pj ,&2½ gS mlesa crk;k x;k gS fd **iapksa dh jk; esa e`rd jkts'k dqekj lkgw dh e`R;q 'kjkc ds u'ks esa 'kkSp djus rkykc ij x;k Fkk] 'kkSp djus Ik'pkr~ ikuh ysus gsrq tkrs le; u'ks ds gkyr esa tehu ij fxj x;kA B.M ds dkj.k rkykc ikj esa [kqys vkleku esa jgus ls QkSr gks x;k gSA** iqfyl v/kh{kd dk tks tkap fu"d"kZ gS mlesa ;g crk;k x;k gS fd **e`rd viuh M~;wVh dj ?kj okil vkrs le; eksVj lk;dy dks xzke pSuxat ds nkÅ rkykc ds ikl [kM+h dj 'kkSp djus x;k Fkk rFkk 'kkSp dj ikuh ysus rkykc dh vksj tkrs le; tehu esa fxj tkus ls QkSr gks x;k gS] e`rd dh e`R;q gkVZ vVSd vk tkus ls QkSr gksuk ik;k x;k gSA** 15- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls ;g vk{ksi fd;k x;k gS fd e`rd vR;f/kd 'kjkc fi;k gqvk Fkk vkSj ,uhfe;k ds dkj.k mls gkVZ // 11 // vVSd vk;k gS vkSj mldh e`R;q nq?kZVukRed ugha gSA geus ,usD'pj ,&9 exZ baVhes'ku dks ns[kkA exZ baVhes'ku esa ;g mYysf[kr gS fd **e`rd ds eqag ls 'kjkc ihus dk cncw vk jgk gSA e`rd ds 'ko dks ns[kus ls ,slk izrhr gksrk gS fd e`rd vR;f/kd ek=k esa 'kjkc ihus ds dkj.k rkykc ds esM+ esa ysfVªax fd;k vkSj ysfVªax /kksus rkykc esa tkrs le; fQly dj fxj x;k gksxk ftlls e`rd dh e`R;q gks xbZA e`rd jkts'k dqekj lkgw dk eksVj lk;dy ctkt fMLdoj dzekad&lh-th- 07 ,Mh@9423 [kM+h gS** rFkk uD'kk iapk;rukek esa Hkh blh izdkj dk mYys[k gSA exZ baVhes'ku esa ?kVuk dk fnukad&03-01-2015 ds le; 6%30 cts ds iwoZ dk gS vkSj lwpuk fnukad&03-01-2015 ds 08%30 cts fd;k x;k gS rFkk 'ko ijh{k.k izfrosnu esa fpfdRld }kjk tks gLrk{kj djus dh txg esa tks rkjh[k Mkyk x;k gS mlesa 10-02-2015 dh frfFk mYysf[kr gS ijUrq 'ko ijh{k.k vkjaHk djus dh rkjh[k 03-01-2015 ds 01%15 ih- ,e- crk;k x;k gSA bl izdkj Li"V gS fd e`rd dk 'ko ijh{k.k fnukad&03-01-2015 dks gh fd;k x;k gS vkSj 'ko ijh{k.k izfrosnu esa dgha Hkh e`rd dks 'kjkc fi, tkus dk mYys[k ugha gSA ;gka rd fd 'kjkc dh cncw vk jgh Fkh] bldk Hkh mYys[k ugha gSA 16- M. Sujatha vs. Bajaj Allianz General Insurance Company Limited III (2015) CPJ 104 (NC) esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "9. Intoxication is perceived as a state of mind in which a person loses self-control and his ability to judge. As per Sections 185 and // 12 // 202, of the Motor Vehicles Act, it would be considered intoxicated only if the person is tested and found to have more than 30 mg of alcohol in his blood, per 100 ml. In the present case, except for a mere noting in the Final Opinion Report and the FSL report, no test had been done to ascertain whether Blood Alcohol Concentration (BAC) had exceeded the legally stipulated limit. The mere smell of alcohol or presence of ethyl alcohol in the tissue samples cannot lead to an inference that person is incapable of taking care of himself.
10........
11. It should be borne in mind that a person cannot be said to be intoxicated unless alcohol level exceeds the prescribed limit which can only be confirmed through Blood Alcohol Concentration (BAC) is most commonly used as a metric of alcohol intoxication for legal or medical purposes. Therefore, the State Commission's observations appear to be unscientific one."
17- M. Raja Gangu, M. Sujatha Vs. Life Insurance Corpotation of India I (2015) CPJ 676 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "10 Intoxication is perceived as a state of mind in which a person loses self-control and his ability to judge. As per Sections 185 and 202 of the Motor Vehicles Act, it would be considered intoxicated only if the person is tested and found to have more than 30 mg of alcohol in his blood, per 100 ml. In the present case, except for a mere noting in the Final Opinion Report and the FSL report, no test had been done to ascertain whether Blood Alcohol Concentration (BAC) had exceeded // 13 // the legally stipulated limit. The mere smell of alcohol or presence of ethyle alcohol in the tissue samples cannot lead to an inference that a person is incapable of taking care of himself.
11. We are unable to get convinced, that the deceased person was in intoxicated state of alcohol. Further, the OP filed a counter affidavit which appears to be misleading about the concentration of alcohol. In this context, we place reliance upon the judgment of this Commission passed in the Revision Petition 2481-82 of 2013 titled United India Insurance Co. Ltd. V. Sheela & Ors. The Special Leave Appeal (Civil) No. 26791-92 of 2014 preferred by United India Insurance Co. was dismissed by Hon'ble Supreme Court, on 8.10.2014. Another judgment passed in Revision Petition 3934/2013 decided on 1.12.2013 in Bajaj Allianz General Insurance Co. Ltd. V. Smt. Achala Rudraniwas Marde, also dovetails with our view. 18- United India Insurance Co. Ltd. V. Sheela & Ors. III (2014) CPJ 64 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "7. We have given thoughtful consideration after referring to the medial text and literature on Alchol Intoxication. Our views are that, Û The Ethyl alcohol was qualitatively detected in liver/kidney and blood samples, but it is not clear what the report is with regard to the stomach and intestine. The result appears to have been struck out with a pen.
Û In fact, the autopsy in inconclusive about the cause of death because of absence of any significant/specific lesion on gross inspection, either internally or externally, except for // 14 // "foul smell" in the stomach contents. Incidentally, alcohol does not product "foul smell".
Û The report did not specify about the exact methodology employed by the chemical examiner's lab in arriving at the concentration of 220 mg% of ethyl alcohol in the blood. It is essential to do so, the work sheets pertaining to the analysis have not produced.
Û Therefore, even if the concertration is 200 mg% it cannot, on its own, be implicated as the cause of death. Pure ethyl alcohol ingestion is rarely associated with fatelity, unless something else has been taken along with it to aggravate its effects or to produce added toxicity.
Û As 4 months appear to have elapsed between collection of samples and toxicological analysis, the reliability of ethyl alcohol conentration can be questioned, as over a period of time alcohol can either get evaporated from samples or genetated in samples (due to decomposition if preservation was not effective). If there is any sample of blood left over from the case, it is advisable to re-test it in a second laboratory (preferably an accredited lab).
Û Dr. P.C. Ignatus who performed who performed the PM does not appear to have taken samples of tissues fo vital organs )heart, lungs, brain, etc.) for histopathological exami- nation to rule out illness that could have caused or contributed to death."
// 15 // 19- Johitram Yadav Vs. Yogendra Singh Thakur & Ors. III (2012) ACC 500 (DB) esa ekuuh; NRrhlx<+ mPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "7. With regard to consumption of alcohol by the appellant-driver, the same is an offence punishable only if in the blood of the driver alcohol exceeding 30 mg per litre of blood is detected in a test by a Breath Analyzer, as provided in Section 185 of the Act. However, if the alcohol is found below the above quantity in the blood, it is not punishable and it was the duty of the Tribunal to determine the quantity of alcohol by summoning even the doctor who had examined the injured medically."
20- Bajaj Allianz General Insurance Co. Ltd. Vs. Manju Devi and others 2015 ACJ 627 esa ekuuh; vka/kz izns'k mPp U;k;ky; ds [k.M ihB us Hkh ;g fu/kkZfjr fd;k gS fd%& "Policy contains clauses regarding eligibility to drive the vehicle by the driver but fit state of mind was not included in the eligibility clause- Consciousness and senses of the driver in inebriated state was impaired, he became unfit to drive but insurance company is not entitled to be exonerated from payment of compensation- Inebriated state of driver was not within the knowledge of the insured- Whether drunk and driving is a ground to exonerate insurance company from liability- Held:no."
21- blh izdkj Himachal Pradesh Road Transport Corporation Limited vs. New India Assurance Company Limited, II (2007) CPJ 287, a // 16 // table has been given. In the above judgment, Himachal Pradesh State Consumer Disputes Redressal Commission, Shimla, has relied on Medical Jurisprudence and Toxicology, 7th Edition by HWV Cox, Table 7.5.1 . The above table is as below :-
Table 7.5.1.
Table showing the Effects of Different Concentration of Alcohol. Concentration Minimum Behaviour and Remarks.
of Alcohol in sconsumed sign.
blood (mg. 100 volume of 70%
ml) proof Spirit (ml.)
Upto 50 Less than 70 No change Dry and decent,
Slightly flushed fit to drive.
face.
50 to 140 70 to 150 Majority are gay, Dry and decent,
vivacious and fit to drive.
talkative a few
may show
symptoms of more
severe
intoxication.
Around 150 150 to 200 Garrulous and A critical level.
aggressive. Delighted and
devilish, may be
dangerous in
control of a
vehicle.
150 to 200 250 to 300 Motor Delinquent and
incoordination disgusting. Unfit
slurred speech, to drive.
staggering Gait.
400 to 600 550 to 500 Comatosed. Dazed and
dejected.
Above 600 More than 700 Asphyxia and Dead drunk.
death.
22- 'ko ijh{k.k izfrosnu esa ,Ydksy Lesy dk mYys[k ugha gS vkSj uk
gh mlds vek'k; esa 'kjkc dh fo|ekurk crk;k x;k gS rFkk ;fn ,Ydksgy dk lsou fd;k Fkk rks mldh ek=k D;k Fkh] ;g mYysf[kr ugha gSA ,slh fLFkfr esa ;g ugha dgk tk ldrk fd e`rd jkts'k dqekj lkgw // 17 // fu/kkZfjr ek=k ls vf/kd 'kjkc fi;k gqvk Fkk vkSj dsoy exZ baVhes'ku ,oa uD'kk iapk;rukek esa mYys[k dj nsuk fd 'kjkc fi;k gqvk Fkk] nkos dks vLohdkj djus ds fy, Ik;kZIr ugha gSA e`rd ds vek'k; esa ,Ydksgy dh ek=k dk Hkh mYys[k ugha gS tcfd uD'kk iapk;rukek vkSj exZ baVhes'ku nksuksa esa ;g mYysf[kr gS fd e`rd fQly dj fxjk gS rFkk [kqys BaM esa iM+s jgk gS vkSj gks ldrk gS fd mlds dkj.k ls gh mldh g`n; xfr :dus ls mldh e`R;q gqbZ gks vkSj bl izdkj e`rd dh tks e`R;q gS og fuf'pr gh fQly dj fxjus ls gkVZ vVSd gksus ds dkj.k gqvk gS tks fd nq?kZVukRed izd`fr dk gSA 23- vihykfFkZuh@ifjokfnuh e`rd jkts'k dqekj lkgw dh fo/kok gS vkSj e`rd fycVhZ fofM;ksdkWu xqzi ilZuy ,DlhMsaV ikWfylh ds varxZr mRrjoknh dz-1@vukosnd dz-1 ds ikl chfer Fkk vkSj ,slh fLFkfr esa vihykfFkZuh@ifjokfnuh chfer jkf'k&5]00]000@&¼ikap yk[k :Ik;s½ mRrjoknh dz-1@vukosnd dz-1 ls izkIr djus dh vf/kdkfj.kh gSA 24- tgka rd mRrjoknh dz-2@vukosnd dz-2 dk laca/k gS] mRrjoknh dz-2@vukosnd dz-2 }kjk e`rd jkts'k dqekj lkgw ds [kkrs ls izhfe;e dh jkf'k dh dVkSrh dh xbZ gS vkSj mlds }kjk mRrjoknh dz-1@vukosnd dz- 1 dks iszf"kr dj fn;k x;k gSA bl izdkj mRrjoknh dz-2@vukosnd dz-2 }kjk fdlh izdkj ls lsok esa deh ugha dh xbZ gS vkSj QyLo:Ik og vihykfFkZuh@ifjokfnuh dks {kfriwfrZ ds fy, nkf;Rok/khu ugha gS vkSj mls nkf;Ro ls eqDr fd;k tkrk gSA dsoy mRrjoknh dz-1@vukosnd dz-1 gh // 18 // chfer jkf'k vihykfFkZuh@ifjokfnuh dks vnk djus ds fy, nkf;Rok/khu gSA 25- mijksDr foospuk ds ifjizs{; esa vihykfFkZuh@ifjokfnuh dh vihy Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&24 tuojh 2017 vikLr fd;k tkrk gS vkSj ;g vknsf'kr fd;k tkrk gS fd%& 01- mRrjoknh dz-1@vukosnd dz-1 fycVhZ fofM;ksdkWu tujy ba';ksjsal daiuh fyfeVsM] vihykfFkZuh@ifjokfnuh dks chfer jkf'k&5]00]000@&¼ikap yk[k :Ik;s½ vkns'k fnukad ls ,d ¼01½ ekg ds Hkhrj vnk djsxkA 02- ;fn mRrjoknh dz-1@vukosnd dz-1 mDr jkf'k ,d ¼01½ ekg ds Hkhrj vnk djus esa pwd djrk gS rc mRrjoknh dz-
1@vukosnd dz-1] vihykfFkZuh@ifjokfnuh dks ifjokn izLrqfr fnukad&13-01-2016 ls ysdj jde dh vnk;xh fnukad rd ukS ¼09½ izfr'kr okf"kZd C;kt dh nj ls C;kt Hkh vnk djsxkA 03- mRrjoknh dz-1@vukosnd dz-1 bl vihy dk O;;
3]000@&¼rhu gtkj :Ik;s½ Hkh vihykfFkZuh@ifjokfnuh dks vnk djsxkA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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