State Consumer Disputes Redressal Commission
Smt.Ketki Gupta vs The Oriental Insurance Co. Ltd. on 6 April, 2017
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LFkku is.Mªk jksM ds fy, vk jgh Fkh rHkh veyMhgk&cjcliqj ds ikl mDr okgu nq?kZVukxzLr gks xbZ ftlds dkj.k ;k=h cl dh e'khujh ,oa ckWMh dks dkQh uqdlku igaqpkA nq?kZVuk fnukad dks mDr okgu dks bjlkn vgen vk- vgen vyh }kjk pyk;k tk jgk Fkk tks mDr okgu dks pykus dk vuqHko j[krs gq, nq?kZVuk fnukad dks oS/k ykbZlsal /kkjh Fkk rFkk le;≤ ij vius ykbZlsal dk uohuhdj.k gsrq fof/kor~ :Ik ls iath;u dk;kZy; esa tkdj dk;kZy; }kjk pkgh xbZ izfof"V dks iwjk djrk FkkA blh rkjrE; esa bjlkn vgen }kjk // 3 // fnukad&10-04-2013 dks ykbZlsal ds uohuhdj.k gsrq vkosnu 'kqYd ,oa vU; izfdz;k,a iwjh fd;k Fkk rFkk uohuhdj.k djus ds Ik'pkr~ mijksDr irs ij izsf"kr djus dk vk'oklu fn;k x;k FkkA nq?kZVuk dh fjiksVZ Fkkuk djft;ka esa ntZ djkbZ xbZ Fkh rc Fkkuk djft;ka }kjk izFke lwpuk&i= dz-&75@13 fnukad&15-07-2013 lwpukdrkZ Jo.k dqekj ds }kjk ntZ fd;k x;k FkkA vihykfFkZuh@ifjokfnuh }kjk mDr nq?kZVuk dh lwpuk mRrjoknh@vukosnd chek daiuh dks rRdky nh xbZ Fkh rc chek daiuh }kjk ?kVuk LFky dk voyksdu djus ds Ik'pkr~ vihykfFkZuh@ifjokfnuh }kjk nq?kZVuk LFky ls nq?kZVukxzLr okgu dks ys tk;k x;k FkkA mDr nq?kZVuk ds QyLo:Ik okgu dh ejEer ,oa dy&iqtsZ cnyokus ij rFkk laiw.kZ feL=h [kpZ esa dqy 87]200@&¼lrklh gtkj nks lkS :Ik;s½ [kpZ gqvk Fkk ftls izkIr djus gsrq ewy jlhn ds lkFk vihykfFkZuh@ifjokfnuh us chek daiuh esa fnlacj 2013 esa vkosnu izLrqr fd;k Fkk rc mRrjoknh@vukosnd }kjk vk'oklu fn;k x;k Fkk fd vizSYk&ebZ 2014 rd laiw.kZ jkf'k iznku dj nh tk,xh ijUrq chek daiuh }kjk ekg tqykbZ 2014 esa Li"V :Ik ls dgk x;k fd okgu esa vk, {kfr rFkk ml ij fd, x, [kpZ dh jkf'k iznk; ugha dh tk ldrh vkSj vihykfFkZuh@ifjokfnuh }kjk fn, x, ewy jlhnksa dks Hkh ekaxs tkus ij okil ugha fd;k x;k 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 TkkosA // 4 // 03- mRrjoknh@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ;g vfHkopu fd;k x;k gS fd vLFkk;h vuqKk&i= ds lkFk gh lkFk LFkk;h vuqKk&i= Hkh gksuk vko';d gSA mRrjoknh@vukosnd us mijksDr okgu dk chek] chek ikWfylh ds fu;e o 'krksZa] viotZu ds v/khu fd;k Fkk ysfdu vihykfFkZuh@ifjokfnuh us chek ikWfylh ds fu;eksa o 'krksZa dk mYya?ku fd;k gS blfy, mRrjoknh@vukosnd ij {kfriwfrZ jkf'k iznku djus dk dksbZ nkf;Ro ugha curk gSA MªkbZoj ds }kjk ykijokghiwoZd okgu pykus ds dkj.k mijksDr nq?kZVuk ?kVh tcfd okgu ekfyd ,oa pkyd dks fo'ks"k lko/kkuh j[kuh pkfg, ysfdu mUgksaus dksbZ lko/kkuh ugha j[kh tks fd chek ikWfylh dh 'krksZa dk mYya?ku gS rFkk nq?kZVuk fnukad dks pkyd bj'kkn vgen oYn vgen vyh ds ikl oS/k ykbZlsal ugha Fkk blfy, mls okgu pykus dk dksbZ vf/kdkj ugha FkkA okgu pkyu ds laca/k esa tks fooj.k fn;k x;k gS og eux<ar o cukoVh gSA mijksDr nq?kZVuk ls vihykfFkZuh@ifjokfnuh dks dksbZ uqdlku ugha igaqpk gS vkSj uk gh dksbZ vkfFkZd {kfr igaqph gSA mRrjoknh@vukosnd ds dk;kZy; esa izLrqr nLrkostksa dks okil djus dk dksbZ izko/kku ugha gSA mRrjoknh@vukosnd }kjk okgu dk chek] chek ikWfylh ds fu;eksa o 'krksZa ds v/khu fd;k x;k Fkk ysfdu vihykfFkZuh@ifjokfnuh }kjk chek ikWfylh ds fu;eksa o 'krksZa dk ikyu ugha fd;k x;k gSA chek ikWfylh ds fu;eksa o 'krksZa ds vuqlkj okgu pkyd ds ikl nq?kZVuk ds le; oS/k ,oa izHkkoh ykbZlsal gksuk vko';d gS // 5 // tks fd izdj.k esa ugha gksus ds dkj.k chek daiuh ds }kjk nkokdrkZ dks iwoZ esa lwpuk fn, tkus ds Ik'pkr~ gh nkok dk fujLrhdj.k fd;k x;k gSA ;fn ekuuh; Qksje fQj Hkh dksbZ vkns'k chek daiuh ds fo:} ikfjr djrh gS rks ,slh fLFkfr esa chek daiuh {kfriwfrZ dk nkf;Ro vkbZ- vkj- Mh- ,- }kjk tkjh ykbZlsal'kqnk losZ;j ds fjiksVZ ds vuqlkj {kfr nkf;Ro lhfer jgsxk ,oa gkfu vkadyu jkf'k esa ls ikWfylh vkf/kD; ,oa lkYost dh jkf'k Hkh losZ fjiksVZ ds vuqlkj dVkSrh ;ksX; gSA vr% ifjokn lO;; fujLr fd;k tkosA 04 vihykfFkZuh@ifjokfnuh dh vksj ls vius i{k leFkZu eas ftyk Qksje ds le{k vafre izfrosnu] izFke lwpuk izfrosnu] lEifRr tIrh i=d] okgu eSdsfudy ijh{k.k fjiksVZ] okgu eSdsfud fujh{k.k] MªkbZfoax ykbZlsal] vkj- Vh- vks- fcykliqj dh jlhn fnukad&10-04-2013 dh izekf.kr izfrfyfi rFkk U;w bankSj eksVj ckWMh oDlZ dk ,fLVesV fnukad&20- 07-2013] lfVZfQdsV vkWQ jftLVªs'ku] lfVZfQdsV vkWQ fQVusl] chek ikWfylh] vLFkk;h vuqKk&i=] ln~xq: Xykl ,.M gkMZos;j dk fcy fnukad&28-10-2013] Mhty vkWVks eSdsfud dk fcy fnukad&22-07-2013] lsdzsVjh] LVsV VªkaliksVZ vFkkWfjVh e/;izns'k Xokfy;j }kjk tkjh ijfeV] le; pdz rFkk U;w bankSj eksVj ckWMh oDlZ dk fcy dh Nk;kizfr izLrqr fd;k gSA // 6 // 05- mRrjoknh@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k dEIyk;al vkWQ lsD'ku 64 Ogh-ch-] chek ikWfylh] vUos"k.k fjiksVZ fnukad&05-03-2014] eksVj Dyse LdqqzVuh 'khV] dkef'kZ;y OghdYl iSdst ikWfylh dh fu;e ,oa 'krsZa] mRrjoknh@vukosnd }kjk vihykfFkZuh@ifjokfnuh dks izsf"kr i= fnukad&13-03-2014] MªkbZfoax ykbZlsal] mRrjoknh@vukosnd }kjk vihykfFkZuh@ifjokfnuh dks izsf"kr i= fnukad&03-09-2014] vkj- Vh- vks- fcykliqj }kjk tkjh jlhn fnukad&10- 04-2013] izFke lwpuk izfrosnu] vafre izfrosnu] vf/koDrk uksfVl fnukad&23-12-2013] vkj- Vh- vks- fcykliqj }kjk tkjh fooj.k] mRre dqekj lkgw vf/koDrk }kjk {ks=h; ifjogu vf/kdkjh] fcykliqj dks izsf"kr i=] MªkbZfoax ykbZlsal] Oghdy ifVZdqylZ] lfVZfQdsV vkWQ jftLVsª'ku] lEifRr tIrh i=d] eksVj LikWV losZ fjiksVZ fnukad&18-07-2013] lfVZfQdsV vkWQ fQVusl] eksVj nkok izi= rFkk mRrjoknh@vukosnd }kjk vihykfFkZuh@ifjokfnuh dks izsf"kr i= fnukad&04-12-2013 ,oa 22-10- 2013 dh Nk;kizfr izLrqr fd;k gSA 06- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ vihykfFkZuh@ifjokfnuh ds ifjokn dks fujLr fd;k gS ftlds fo:} ;g vihy gSA 07- vihykfFkZuh@ifjokfnuh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh f'kos'k flag dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ // 7 // gSA vihykfFkZuh@ifjokfnuh okgu dz-&lh-th- 10th@0725 dh Lokfeuh gS vkSj mDr okgu mRrjoknh@vukosnd chek daiuh ds ikl fnukad&30-06- 2013 ls 29-06-2014 dh vof/k ds fy, chfer FkkA fnukad&15-07-2013 dks vihykfFkZuh@ifjokfnuh dk okgu nq?kZVukxzLr gks x;k Fkk ftlds dkj.k ls okgu dks {kfr igqapk FkkA nq?kZVuk fnukad dks okgu ¼cl½ dks bj'kkn vgen }kjk pyk;k tk jgk Fkk vkSj mlds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk rFkk mlus le; iwoZ gh uohuhdj.k gsrq vkosnu izLrqr dj fn;k Fkk ijUrq ftyk Qksje us ;g fu/kkZfjr djrs gq, fd nq?kZVuk fnukad dks pkyd ds ikl MªkbZfoax ykbZlsal ugha Fkk] vihykfFkZuh@ifjokfnuh ds nkos dks fujLr fd;k gS tks fd =qfViw.kZ gS rFkk nq?kZVuk vihykfFkZuh@ifjokfnuh ds pkyd dh ykijokgh ls gqvk gS blfy, vihykfFkZuh@ifjokfnuh {kfriwfrZ ikus dh vf/kdkfj.kh gSA vr% vihykfFkZuh@ifjokfnuh dh vihy Lohdkj djrs gq, ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr dj ifjokn&i= esa of.kZr vuqlkj vuqrks"k vihykfFkZuh@ifjokfnuh dks fnykbZ tkosA 08- mRrjoknh@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jru iqf"V dk rdZ gS fd ftyk Qksje dk vkns'k mfpr vkns'k gSA nq?kZVuk fnukad dks vihykfFkZuh@ifjokfnuh ds pkyd ds ikl MªkbZfoax ykbZlsal ugha Fkk vkSj fcuk MªkbZfoax ykbZlsal ds okgu dks pykuk chek 'krksZa dk mYya?ku gS vkSj ,slh fLFkfr esa mRrjoknh@vukosnd chek daiuh us nkos dks fujLr dj fdlh izdkj dh lsok esa dksbZ deh ugha // 8 // fd;k gSA vihykfFkZuh@ifjokfnuh fdlh izdkj dh {kfriwfrZ izkIr djus dh vf/kdkfj.kh ugha gSA vr% vihykfFkZuh@ifjokfnuh dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 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- vihykfFkZuh@ifjokfnuh dh vksj ls lfVZfQdsV vkWQ jftLVªs'ku] vuqKk i= ,oa chek ikWfylh izLrqr fd;k x;k gSA bu nLrkostksa ds ifj'khyu ls Li"V gS fd vihykfFkZuh@ifjokfnuh okgu dzekad&lh-th- 10th@0725 dh iathd`r Lokfeuh gS rFkk chek ikWfylh ds ifj'khyu ls Li"V gS fd mDr okgu fnukad&30-06-2013 ls 29-06-2014 dh vof/k ds fy, mRrjoknh@vukosnd ds ikl chfer FkkA 11- vihykfFkZuh@ifjokfnuh us vius ifjokn&i= dh dafMdk&5 esa ;g vfHkopu fd;k gS fd **fnukad&17-05-2013 dks mijksDr nq?kZVukxzLr ;k=h cl dzekad&lh-th-10 th&0725 ;k=h cl vius fu/kkZfjr LVkWist ls pydj vius xarO; LFkku is.Mªk jksM ds fy, vk jgh Fkh rHkh veyMhgk&cjcliqj ds ikl okgu nq?kZVukxzLr gks x;h Fkh** rFkk dafMdk&6 esa ;g vfHkopu fd;k gS fd **nq?kZVuk fnukad dks mijksDr ;k=h cl dks bjlkn vgen vk- vgen vyh }kjk pyk;k tk jgk Fkk tks yxHkx&25&30 o"kksZa ls okgu pykrs vk jgk gS** rFkk dafMdk&7 esa // 9 // ;g vfHkopu fd;k gS fd **nq?kZVukxzLr ;k=h cl dh fjiksVZ Fkkuk djft;ka esa ntZ djk;h x;h Fkh tgka izFke lwpuk i= dz-&75@13 fnukad&15-07-2013 ntZ fd;k x;k FkkA** vihykfFkZuh@ifjokfnuh dh vksj ls vafre izfrosnu] izFke lwpuk&i=] tIrh i=d] okgu eSdsfudy ijh{k.k fjiksVZ vkfn izLrqr fd;k x;k gSA izFke lwpuk&i= ds vuqlkj fjiksVZ Jo.k dqekj uked O;fDr }kjk ntZ djk;k x;k gS tks fd xqIrk cl dzekad&lh-th- 10th@0725 ds pkyd bj'kkn vgen ds fo:} ntZ gqvk gS vkSj blesa mYysf[kr gS fd **cl dks xqIrk cl ds pkyd bj'kkn vgen }kjk mrkoysiu] rsy j¶rkj o ykijokghiwoZd pykrs gq, cl dz-& lh-th 10 th@2255 dks lkeus ls tksj ls VDdj ekj fn;k** vkSj tIrh i=d ds vuqlkj ?kVuk LFky ls cl dz- lh-th- 10th@0725 dks tIr fd;k x;k Fkk rFkk bl cl dk jftLVªs'ku] fQVusl vkSj ijfeV Hkh tIr fd;k x;k gS rFkk ,d vU; tIrh i=d fnukad&29-09-2013 ds }kjk bj'kkn vgen dk MªkbZfoax ykbZlsal Mh- ,y- ua- 1@706@89 fnukad&09- 03-1989 tks fd fnukad&06-04-2013 dks tIr fd;k x;k gSA bu nLrkostksa ds ifj'khyu ls Li"V gS fd vihykfFkZuh@ifjokfnuh ds LokfeRo dh okgu fnukad&15-07-2013 dks nq?kZVukxzLr gqvk FkkA 12- vc ;g ns[kuk gS fd D;k nq?kZVuk fnukad dks vihykfFkZuh@ifjokfnuh ds pkyd bj'kkn vgen ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk\ // 10 // 13- vihykfFkZuh@ifjokfnuh dh vksj ls MªkbZfoax ykbZlsal dh Nk;kizfr izLrqr fd;k x;k gS ftlds vuqlkj mDr MªkbZfoax ykbZlsal fnukad&06-04- 2013 dh vof/k rd ds fy, oS/k Fkk rFkk ,d vU; nLrkost ftlds vuqlkj uohuhdj.k gsrq jkf'k tek fd;k x;k gS] ijUrq MªkbZfoax ykbZlsal ds uohuhdj.k fd;s tkus ds laca/k esa dksbZ mYys[k ugha gSA 14- Revision Petition No. 2086/2016 Sharda Bai Vs. Manager, Liberty Videocon General Insurance Company Limited & 2 Ors., Order Dated 03.03.2017 esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "5. In National Insurance Co. Ltd. Vs. Laxmi Narain Dhut (2007) 3 SCC 700, the Hon'ble Supreme Court noted as under:
24. In the background of the statutory provisions, one thing is crystal clear i.e. the statute is beneficial one qua the third party. But that benefit cannot be extended to the owner of the offending vehicle. The logic of fake licence has to be considered differently in respect of the third party and in respect of own damage claims.
36. The inevitable conclusion therefore is that the decision in Swaran Singh case has no application to own damage cases.
The effect of fake licence has to be considered in the light of what has been stated by this Court in New India Assurance Co. V. Kamla. Once the licence is a fake one the renewal cannot take away the effect of fake licence. It was observed in Kamla case as follows: (SCC p. 347, para 12) // 11 //
12. As a point of law we have no manner of doubt that a fake licence cannot get its forgery outfit stripped off merely on account of some officer renewing the same with or without knowing it to be forged. Section 15 of the Act only empowers any licensing authority to 'renew a driving licence issued under the provisions of this Act with effect from the date of its expiry'. No licencing authority has the power to renew a fake licence and, therefore, a renewal if at all made cannot transform a fake licence as genuine. Any counterfeit document showing that it contains a purported order of a statutory authority would ever ramain counterfeit albeit the fact that other persons including some statutory authorities would have acted on the document unwittingly on the assumption that it is genuine".
37. As noted above, the conceptual difference between third- party right and own damage cases has to be kept in view. Initially, the burden is on the insurer to prove that the licence was a fake one. Once it is established the natural consequences have to flow.
38. In view of the above analysis the following situations emerge:
1. The decision in Swaran Singh case has no application to cases other than third-party risks.
2. Where originally the licence was a fake one, renewal cannot cure the inherent fatality.
// 12 //
3. In case of third-party risks the insurer has to indemnify the amount, and if so advised, to recover the same from the insured.
4. The concept of purposive interpretation has no application to cases relateble to Section 149 of the Act. The High Courts/Commission shall now consider the matter afresh in the light of the position in law as delineated above."
In National Insurance Co. Ltd. vs. Om Prakash Jain Civil Appeal No. 6248 of 2009 decided on 14.09.2009, the Hon'ble Supreme Court referring to its earlier decision in Laxmi Narain Dhut (supra) and Swaran Singh (supra) specifically held as under:
"In National Insurance Company Limited Vs. Laxmi Narain Dhut [2007 (3) S.C.C. 700], it has been clearly laid down that the decision in the case of National Insurance Company Ltd. Vs. Swaran Singh & Anr. [2004 (3) S.C.C. 297] has no application to the cases other than third-party risks and where originally licence was a fake, renewal thereof cannot validate the same. In the present case, the complaint was filed for damage of the vehicle of the insured and not the third party risk. The District Forum and State Commission have concurrenty held that the original licence of the driver was fake. This being the position, the District Forum was justified in dismissing the complaint and the State Commission // 13 // committed an error by awarding compensation to the respondent".
In the aforesaid case, the complaint was filed by the insured himself seeking compensation for the damage caused to his vehicle, which had met with an accident. It was found that the driving licence possessed by the driver of the vehicle was a fake licence. The National Commission having decided in favour of the complainant, the matter was taken by the insurance company to the Apex Court.
In United India Insurance Co. Ltd. Vs. Davinder Singh (2007) 8 SCC 698, the respondent owned a vehicle which he had got insured from the appellant United India Insurance Co. Ltd.. The said vehicle met an accident with a truck. It was being driven by a person, who did not possess valid licence. The owner of the vehicle filed a complaint before the District Forum, seeking compensation for the damages caused to his vehicle. This Commission have ruled in his favour. The matter was taken to the Hon'ble Supreme Court by way of an appeal. Allowing the appeal filed by the insurance company, the Apex Court inter-alia held that the fora below had commited an error in holding the insurance company liable to indemnify the owner of the vehicle with regard to the losses sustained by him. During the course of the judgment, the Hon'ble Supreme Court, inter-alia observed as under:
10. it is, thus, axiomatic that whereas an insurance company may be held to be liable to indemnify the // 14 // owner for the purpose of meeting the object and purport of the provisions of the Motor Vehicles Act, the same may not be necessary in a case where an insurance company may refuse to compensate the owner of the vehicle towards his own loss. A distinction must be borne in mind as regards the statutory liability of the insurer vis-a-vis the purport and object sought to be achieved by a beneficent legislation before a fourm constituted under the Motor Vehicles Act and enforcement of a contract qua contract before a Consumer Forum".
In Oriental Insurance Co. Ltd. V. Meena Variyal (2007) 5 SCC 428, the Hon'ble Supreme Court referring to its earlier decision in Swaran Singh, 2004 (3) SCC 297 held as under:
"It is difficult to apply the ratio of this decision to a case not involving a third party. The whole protection provided by Chapter XI of the Act is against third-party risk. Therefore, in a case where a person is not a third party within the meaning of the Act, the insurance company cannot be made automatically liable merely by resorting to Swaran Singh ratio. This appears to be the position. This position was expounded recently by this Court in National Insurance Co. Ltd. Vs. Laxmi Narain dhut. This Court after referring to Swaran Singh and discussing the law summed up the position this: (Laxmi Narain Dhut case, SCC p. 719 para 38) // 15 // The legal proposition emerges from the above referred decisions of the Hon'ble Supreme Court is that though the insurance company is liable to a third-party even if the vehicle, at the time it meets with an accident is being driven by a person who does not possess a valid driving licence, the position would be different in a case where compensation is sought by the insured himself, for the damage caused to his vehicle. Wherever, the insured himself is the claimant, the insurance company is not liable to reimburse him for the damage caused to the vehicle, if it is found that the driver of the vehicle did not possess a valid licence at the time the vehicle met with an accident."
6. In "National Insurance Co. Ltd. Vs. Jarnail Singh & Ors." [JT 2001 (Supp. 2) SC 218], the driving licence of the driver, who drove the vehicle had expired on 16.05.94. The vehicle met with an accident on 20.10.94 and the driving licence was renewed only with effect from 28.10.96 it was held that the proviso of subsection (1) of section 15 became applicable to the case and since the driver had no effective licence to drive the vehicle on the date of the accident, the policy condition was violated and the insurance company was not liable to pay any amount to the insured. The aforesaid decision was quoted and applied by the Hon'ble Supreme Court in "New India Assurance Co. Ltd. Vs. Suresh Chandra Aggarwal" [AIR 2009 SC 2987]. In Suresh chandra Aggarwal (supra), the driver of the vehicle was not holding an // 16 // effective licence at the time it met with an accident since the said licence had already expired on 25.10.91, whereas the accident took place on 29.02.92. The policy condition applicable in that case required that the person entitled to drive the vehicle should hold or should have held a driving licence and should not be disqualified from holding an effective driving licence."
15- Oriental Insurance Company Limited Vs. Prem Lata Purohit, I (2017) CPJ 277 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. .....It has been held by this Commission in Bajaj Allianz General Insurance Company v. Smt. R. Suguna, IV (2013) CPJ 449 (NC), RP No.3266 of 2008, that the claim is admissible only, when the insured was possessing a valid driving licence at the time of accident. In the event of not having such a licence there is apparently a violation of the terms and conditions of the 'Commercial Vehicle Package Policy"................"
16- M/s Royal Goods Transport Co. Vs. National Insurance Co. Ltd. & Anr. 2016 (3) CPR 628 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986- Sections 15, 17, 19 and 21- Insurance- Vehicle insurance- Damage to vehicle in accident- Non // 17 // possession of valid and effective driving licence constitutes a fundamental breach of terms an conditions of policy and claim was not payable - There is no justification for allowing complaint because licence produced by driver of vehicle has been found to be a fake document on investigation- Revision petition dismissed." 17- Tirupati Transport Corporation Vs. Oriental Insurance Company Limited, I (2016) CPJ 12 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986- Section 2 (1) (g), 21 (b)- Insurance- Accident of vehicle- Driving licence- Invalid- Violation of policy condition- Claim repudiated- Alleged deficiency in service- District Forum dismissed complaint- State Commission dismissed appeal- Hence revision- Wherever insured himself is claimant, Insurance Company not liable to reimburse him for damage caused to vehicle, if it is found that driver of vehicle did not possess valid licence at time of accident- Repudiation justified."
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