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Documents citing M/S Haabia Advertising India Pvt. Ltd vs United India Insurance Co. Ltd. & Anr on 30 March, 2009

Hdfc Ergo General Insurance Company Ltd vs Vs on 29 April, 2016

There is no material to show that the proposed parties are joint tort feasors. Even if it is assumed that some of the proposed parties are joint tort feasors, in their absence also a finding can be recorded with regard to the entitlement of the claimants and the petitioner herein can recover the amount which it was forced to part with due to the role of other joint tort feasors by initiating separate proceedings. But, the summary proceedings in a claim petition arising out of a motor vehicle accident cannot be enlarged and the Tribunal cannot be asked to give a finding with respect to the role of other parties in the accident. The reliance on United India Insurance Company Limited's case (supra) is of no avail as that case arose out of an accident caused by Jayanthi Janatha Express hitting a passenger bus at the unmanned level crossing. The decision was rendered on the facts of that case only and it cannot be extended to the authorities like National Highways Authority of India Limited who undertake laying of the roads.
Andhra HC (Pre-Telangana) Cites 10 - Cited by 0 - A R Rao - Full Document

M/S Ativeer Cold Storage Pvt. Ltd. A ... vs Universal Sompo General Insurance ... on 23 September, 2024

" ....It was found by the Surveyor that there was 6558 quintals of potato stock in the bag having 50 kgs each. As per the photographs attached by the defendants in Exhibit X series. I find that the potatoes in the stock were germinating (H/4, H/5, H/7, H/8, H/9, H/11, H/12 and H/15). The damage (germination) to the potato stock was noted on 05-09-2009 and even the surveyor has admitted that total loss was 6558 quintals. As per the bank Stock statement of August 2009 the rate was 808.92 per quintal of the potato. It is also admitted fact that about 9000 quintals of potato were discarded by the plaintiffs which is also admitted by the surveyor in their survey report, exhibit E. When added the total loss of potato to the plaintiffs came to 9000 + 6558 = 15558 quintals. It is settled principle of law that Surveyor being a third-party submitting report carries great weight and should ordinarily be accepted unless it is shown to be arbitrary or based upon extraneous material. The reliance may be placed upon the case of M/s Hinafii India Limited Vs. United India Insurance Co. Ltd. reported in 2015 (3) CPR 61 35 NC. It is held that the plaintiffs suffered loss of destruction of 15558 quintals of potatoes worth Rs. 808.92 per quintal. When calculated the total amount comes to 15558 X 808.92 = Rs. 1,25,85,177.40. ......."
Jharkhand High Court Cites 18 - Cited by 0 - R Bhengra - Full Document

M/S Ativeer Cold Storage Pvt. Ltd. A ... vs Universal Sompo General Insurance ... on 23 September, 2024

" ....It was found by the Surveyor that there was 6558 quintals of potato stock in the bag having 50 kgs each. As per the photographs attached by the defendants in Exhibit X series. I find that the potatoes in the stock were germinating (H/4, H/5, H/7, H/8, H/9, H/11, H/12 and H/15). The damage (germination) to the potato stock was noted on 05-09-2009 and even the surveyor has admitted that total loss was 6558 quintals. As per the bank Stock statement of August 2009 the rate was 808.92 per quintal of the potato. It is also admitted fact that about 9000 quintals of potato were discarded by the plaintiffs which is also admitted by the surveyor in their survey report, exhibit E. When added the total loss of potato to the plaintiffs came to 9000 + 6558 = 15558 quintals. It is settled principle of law that Surveyor being a third-party submitting report carries great weight and should ordinarily be accepted unless it is shown to be arbitrary or based upon extraneous material. The reliance may be placed upon the case of M/s Hinafii India Limited Vs. United India Insurance Co. Ltd. reported in 2015 (3) CPR 61 35 NC. It is held that the plaintiffs suffered loss of destruction of 15558 quintals of potatoes worth Rs. 808.92 per quintal. When calculated the total amount comes to 15558 X 808.92 = Rs. 1,25,85,177.40. ......."
Jharkhand High Court Cites 18 - Cited by 0 - R Bhengra - Full Document

M/S Goyal Juat Indstruties vs The Oriental Insurance Company Ltd & ... on 21 April, 2014

ifjoknh dh vksj ls Jh vkj- ds- Hkkoukuh] vf/koDrkA vukosndx.k dh vksj ls Jh ih- ds- ikWy] vf/koDrkA vkns'k fnukad% 21@04@2014 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k Ikfjoknh us ;g ifjokn /kkjk&17 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr vukosndx.k ls 46]07]977@&¼fNa;kyhl yk[k lkr gtkj ukS lkS lrgRrj :i;s½ {kfriwfrZ dh jkf'k 18 izfr'kr okf"kZd C;kt lfgr fnyk;s tkus ,oa vuqfpr O;kikj ,oa ekufld ijs'kkuh ds ,ot esa // 2 // 2]00]000@&¼nks yk[k :i;s½ ,oa okn O;; fnyk;s tkus gsrq izLrqr fd;k gSA 02- ifjoknh dk ifjokn laf{kIr esa bl izdkj gS fd vf[kys'k vxzoky esllZ xks;y twV m|ksx dk izksijkbZVj gS vkSj vius ifjokj ,oa Lo;a ds thfodksiktZu ds fy, esllZ xks;y twV m|ksx ds uke ls O;olk; djrk gSA ifjoknh laLFkku] vukosnd dzekad&1 ds ikl chfer Fkk rFkk vukosnd dzekad&2 ,l- ds- ds'kjokuh] vukosnd dzekad&1 ds funsZ'kksa ds vuqlkj losZ dk dke djrk gSA ifjoknh us vukosnd dzekad&1 ls ikWfylh dzekad&153600@11@2009@567 izkIr fd;k Fkk tks fd fnukad&26-09-2008 ls fnukad&25-09-2009 rd dh vof/k ds fy, izHkkoh Fkk rFkk mDr ikWfylh esa 50]00]000@&¼ipkl yk[k :i;s½ dh oLrq dks chfer fd;k x;k Fkk tks fd ifjoknh ds xksnke esa j[kk gqvk Fkk vkSj ifjoknh }kjk vukosnd dzekad&1 dks 10]674@&¼nl gtkj N% lkS pkSgRrj :i;s½ izhfe;e dh jkf'k vnk dh xbZ FkhA fnukad&13-07-2009 dks jk;iqj 'kgj esa vpkud rst ckfj'k gqbZ Fkh tks fd fnukad&13-072009 ls fnukad&15-07-2009 rd fujarj tkjh jgk vkSj cjlkr ds dkj.k ck<+ dk ikuh ifjoknh dh QSDVªh esa ?kql x;k Fkk vkSj xksnke esa j[kk gqvk eky xhyk gks x;k ftlls ifjoknh dks dkQh uqdlku gqvk] ml le; QSDVªh esa j[ks gq, eky dh dqy dher&48]00]000@&¼vM+rkyhl yk[k :i;s½ FkhA fnukad&15-07-2009 dks ifjoknh us vukosnd dzekad&1 dks fyf[kr esa lwpuk fn;k FkkA fnukad&24-07-2009 dks vukosnd dzekad&2 ifjoknh laLFkku esa vk;k vkSj dgk fd og vukosnd dzekad&1 ds funsZ'k ij losZ djus vk;k gS rc ifjoknh us muls losZ;j fu;qfDr vkns'k fn[kkus ds fy, dgk rc vukosnd dzekad&2 ;g dgrs gq, fd og fu;qfDr vkns'k ysdj ugha vk;k gS] ifjoknh laLFkku ls pyk x;kA pwfa d ck<+ dk ikuh ifjoknh ds xksnke esa izos'k dj x;k Fkk vkSj ftlds dkj.k xksnke esa j[kk gqvk // 3 // eky lM+ x;k Fkk vkSj cncw vk jgk Fkk ftlls vklikl ds yksxksa }kjk vkifRr dh tk jgh Fkh bl ij ifjoknh us [kjkc eky dks fnukad&22-07- 2009 ,oa 23-07-2009 dks Vªd dzekad&lh-th-04@th&4359 esa etnwjksa dh lgk;rk ls jkaokHkkBk ukyk esa fQadok;k FkkA vukosnd dzekad&1 dks fnukad&15-07-2009 dks gh lwpuk izkIr gks x;k Fkk mlds ckn Hkh rRdky losZ;j fu;qDr ugha fd;k x;k vkSj fnukad&24-07-2009 dks vukosnd dzekad&2 fcuk fdlh vf/kdkfjrk ds ifjoknh laLFkku esa vk;k FkkA fnukad&27-07-2009 dks vukosnd dzekad&2 fu;qfDr vkns'k ysdj vk;k Fkk ijUrq og fcuk losZ fd, pyk x;kA bl ij ifjoknh us fnukad&04- 08-2009 dks vukosnd dzekad&1 dks i= fy[kk vkSj vukosnd dzekad&2 ds d`R;ksa dh tkudkjh vukosnd dzeakd&1 dks i= ds ek/;e ls nh xbZ vkSj lkFk gh lkFk fnukad&04-08-2009 dks gh Dyse QkeZ vukosnd dzekad&1 dks Hkstk x;k FkkA ifjoknh us vukosnd dzekad&1 dks Li"V :i ls lwfpr dj fn;k Fkk fd [kjkc eky fQadok fn;k gS rFkk vukosnd dzekd&2 dHkh Hkh ifjoknh laLFkku fujh{k.k djus ds fy, ugha vk;k vkSj ;g Hkh lwfpr fd;k x;k Fkk fd pkj izfr'kr eky lgh fudyk Fkk] mls ifjoknh us fnukad&05-08-2009 dks fodz; dj fn;k gSA fnukad& 10-08-2009 dks iqu% i= izsf"kr dj vuqjks/k fd;k x;k fd ifjoknh dks gq, {kfr dk fujkdj.k fd;k tkdj Hkqxrku fd;k tkos ijUrq vukosnd dzekad&2 }kjk dksbZ dk;Zokgh ugha dh xbZ vkSj ifjoknh ds nkos dks vukosnd dzekad&1 }kjk can dj fn;k x;k rFkk vukosnd dzekad&1 }kjk vuqfpr :i ls ifjoknh ds nkos dks vLohdkj fd;k Fkk rFkk buosLVhxs'ku fjiksVZ izkIr djus ds ckn Hkh ifjoknh ds nkos dk Hkqxrku ugha fd;k x;kA QyLo:i ifjoknh dks ifjokn ykus dh vko';drk iM+h gSA vr% ifjoknh dks vukosndx.k ls 46]07]977@&¼fNa;kyhl yk[k lkr gtkj ukS lkS lrgRrj :i;s½ {kfriwfrZ dh jkf'k fnykbZ tkos vkSj ml ij ifjokn izLrqfr fnukad ls vnk;xh fnukad rd 18 izfr'kr okf"kZd C;kt // 4 // ,oa vuqfpr O;kikj ,oa ekufld ijs'kkuh ds fy, 2]00]000@&¼nks yk[k :i;s½ ,oa okn O;; Hkh fnykbZ tkosA 03- ifjoknh us vukosnd dzekad&1 ds }kjk fyf[kr dFku izLrqr djus ds ckn viuk fjTokbZaMj Hkh izLrqr fd;k gS vkSj ifjoknh us vukosndx.k dh vksj ls izLrqr vfHkopuksa dk [k.Mu fjTokbZaMj ds ek/;e ls fd;k gSA 04- vukosnd dzekad&1 vksfj,aVy ba';ksjsl a daiuh us fyf[kr dFku izLrqr djrs gq, vfHkopu fd;k gS fd ifjoknh }kjk lwpuk izkIr gksus ij vukosnd dzekad&1 }kjk vukosnd dzekad&2 dks losZ;j fu;qDr fd;k x;k Fkk vkSj vukosnd dzekad&2] vukosnd dzekad&1 ds funsZ'k ij fnukad&24-07-2009 dks ifjoknh laLFkku esa x;k Fkk ijUrq mls tku&cw>dj losZ ugha djus fn;k x;k vkSj mlds dk;Z esa ck/kk mRiUu fd;k x;k vkSj ftlds dkj.k ls ifjoknh laLFkku esa j[ks x, eky] {kfrxzLr eky ,oa cps gq, eky vkfn dk okLrfod ijh{k.k ugha gks ldk vkSj okLrfod rF;ksa dh tkudkjh izkIr ugha gks ldhA ifjoknh us vius ikfjokfjd lnL;ksa ds }kjk blh izdkj dh vU; ikWfyfl;ka iwoZ o"kksZa esa fy;k tkrk jgk gS vkSj ck<+ ds vk/kkj ij {kfriwfrZ ds nkos izLrqr fd;k tkrk jgk gS rFkk losZ;j fu;qfDr ds ckjs esa tkudkjh j[krs gSa mlds ckn Hkh ifjoknh us vukosnd dzekad&2 dks vius laLFkku esa losZ djus ls jksd fn;k Fkk tcfd vukosnd dzekad&2 us Li"V :i ls dgk Fkk fd ifjoknh eksckbZy ds ek/;e ls losZ;j fu;qfDr ds laca/k esa tkudkjh izkIr dj ysA vukosnd dzekad&2 fnukad&27-07-2009 dks iqu% ifjoknh laLFkku esa x;k Fkk ijUrq ifjoknh QeZ ds izksijkbZVj }kjk losZ;j dks dke ugha djus fn;k x;kA ifjoknh dk ;g dFku fd mlus fnukad&22-07-2009 ,oa 23-07- 2009 dks lM+s eky dks fQadok fn;k gS] cscqfu;kn ,oa eux<ar gSA bl laca/k esa ifjoknh dh vksj ls dksbZ lk{; ugha gS rFkk chek daiuh dks // 5 // lwfpr fd, fcuk ifjoknh u"V eky dks fQadok ugha ldrk Fkk D;ksafd mldk ewY;kadu djuk vko';d Fkk vkSj bl izdkj ifjoknh us chek 'krksZa dk mYya?ku fd;k gS vkSj blfy, chek ikWfylh ds v/khu tks lqfo/kk miyC/k gS og lekIr gks tkrk gSA vukosnd dzekad&2 fnukad&04-08- 2009 vkSj fnukad&06-08-2009 dks ifjoknh laLFkku esa x;k Fkk vkSj nkos dk fujkdj.k djus ds fy, nLrkost izLrqr djus gsrq fuosnu fd;k ijUrq ifjoknh }kjk losZ;j dks laLFkku esa izos'k ugha djus fn;kA bl ij losZ;j ,l- ds- ds'kjokuh us ifjoknh laLFkku ds eq[; }kj dk Nk;kfp= izkIr dj laiw.kZ rF;ksa dh tkudkjh vukosnd dzekad&1 dks fn;k FkkA bl ij vukosnd dzekad&1 us Jh lkSjHk 'kqDyk dks buosLVhxsVj ds :i esa fu;qDr fd;k Fkk ftlds }kjk fujh{k.k djus ds ckn fjiksVZ izLrqr fd;k x;k Fkk rFkk ifjoknh us iwoZ esa fuEu nkok is'k fd;k Fkk& ikWfylh ua-&153600@11@2007@615] {kfr fn-&29&30-6-07 izks- vf[kys'k vxzoky ikWfylh ua-&153600@11@2008@281] {kfr fn-&29&30-6-07 izks- vf[kys'k vxzoky blds vfrfjDr us'kuy ba';ksjsal daiuh ds fo:} Hkh rhu nkos ekuuh; jkT; vk;ksx ds le{k mDr ifjoknh laLFkku vkSj muds ifjokfjd lnL;ksa dh vksj ls is'k fd;s x;s Fks ftldk o.kZu v/kksfyf[kr vuqlkj n'kkZ;k x;k gS& ,- es-xks;y twV m|ksx cuke us'kuy ba';ksjl sa da- oxS-] iz-dz-21@06] fu-fn-31-3-09 ch- es- lR;e twV m|ksx cuke us'kuy ba';ksjl sa da- oxS-] iz-dz-20@06] fu-fn-31-3-09 lh- es- f'koe twV m|ksx cuke us'kuy ba';ksjl sa da- oxS-] iz-dz-19@06] fu-fn-31-3-09 mijksDr izdj.k fujkd`r gksus ds mijkar iqu% fofo/k nkoksa dk fujkdj.k fuEur% fd;k x;k& ,- es-xks;y twV m|ksx cuke us'kuy ba';ksjl sa da- oxS-] iz-dz- 76@06] fu-fn-12-1-11 ch- es- lR;e twV m|ksx cuke us'kuy ba';ksjl sa da- oxS-] iz-dz-74@09] fu-fn-12-1-11 lh- es- f'koe twV m|ksx cuke us'kuy ba';ksjl sa da- oxS-] iz-dz-75@09] fu-fn-12-1-11 us'kuy ba';ksjsal daiuh ds fo:} xks;y twV m|ksx ds }kjk vU; nks nkok fuEur% is'k fd;k x;k& // 6 // ikWfylh ua-&32083@11@86@2005@3100000605] {kfr fn-&12&13-8-06 izks- vf[kys'k vxzoky ikWfylh ua-&320803@11@86@2005@3100730 {kfr fn-&12&13-8-06 izks- vf[kys'k vxzoky ftlls Li"V gS fd ifjoknh ,su&dsu&izdkjs.k chek daiuh ls jkf'k olwy djuk pkgrk gSA vukosnd dzekad&1 }kjk fdlh izdkj dh lsok esa deh ugha dh xbZ gSA ifjoknh dksbZ vuqrks"k ikus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn fujLr fd;k tkosA 05- vukosnd dzekad&2 us Hkh i`Fkd ls fyf[kr dFku izLrqr djrs gq, ifjoknh ds ifjokn esa fd, x, vfHkopuksa dks badkj fd;k gS vkSj ;g vfHkopu fd;k gS fd og ifjoknh laLFkku esa x;k Fkk ijUrq ifjoknh }kjk mls fujh{k.k ugha djus fn;k x;k vkSj ifjoknh laLFkku esa izos'k djus ls oafpr j[kk x;k rFkk chek 'krksZa ds vuqlkj ifjoknh fdlh Hkh {kfriwfrZ ds ewY;kadu ds iwoZ {kfrxzLr oLrqvksa dks u"V ugha dj ldrk gSA chek diauh fdlh Hkh oLrq dks vius dCts esa ysus] mldh tkap djus vU;Fkk mi;ksx djus gsrq Lora= gksrh gS vkSj chek /kkjd rc rd fdlh chfer oLrq dks u"V ugha dj ldrk gS tc rd ,slk djus ds fy, chek daiuh fyf[kr lgefr ugha ns nsos vkSj chek /kkjd mDr rF;ksa ls ijs dksbZ d`R; djrk gS rks ikWfylh dh lHkh ykHk leig`r gks tkrh gSaA ifjoknh us ;g ifjokn feF;k vk/kkjksa ij lafLFkr fd;k gSA vr% ifjoknh dk ifjokn fujLr fd;k tkosA 06- ifjoknh us vius leFkZu esa esllZ xks;y twV m|ksx ds izksijkbZVj vf[kys'k vxzoky dk 'kiFk&i= izLrqr fd;k gS tcfd vukosnd dzekad&1 dh vksj ls Jh ,-ih-,l- iokj ofj"B e.My izca/kd dk 'kiFk&i= izLrqr fd;k x;k gS rFkk vukosnd dzekad&2 us Hkh viuk Lo;a dk 'kiFk&i= is'k fd;k gSA // 7 // 07- bl izdj.k esa fopkj.kh; iz'u ;g gS fd%& 1- D;k fnukad&13-07-2009 ls fnukad&15-07-2009 rd jk;iqj 'kgj esa vR;f/kd ckfj'k gksus ds dkj.k ck<+ dk ikuh ifjoknh ds xksMkmu esa izos'k dj x;k Fkk\ 2- D;k xksMkmu esa ikuh izos'k djus ds dkj.k ifjoknh dks {kfr dkfjr gqvk] ;fn gkWa rks fdl lhek rd\ fopkj.kh; iz'u dzekad&1 ,oa 2 dh foospuk ,oa fu"d"kZ %& 08- bl izdj.k esa mHk;i{kksa dh vksj ls nLrkost is'k fd;s x;s gSa vkSj lkFk esa ifjoknh us iz'ukoyh ds ek/;e ls vukosnd dzekad&1 ds ofj"B e.My izca/kd ,-ih-,l- iokj rFkk vukosnd dzekad&2 losZ;j ,l-ds- ds'kjokuh dk iz'ukoyh ds ek/;e ls izfrijh{k.k fd;k x;k gSA 09- ifjoknh dh vksj ls milatkr gksus okys vf/koDrk Jh vkj- ds- Hkkoukuh dk ;g rdZ gS fd ifjoknh us vukosnd dzekad&1 ls fnukad&26-09-2008 ls ysdj fnukad&25-09-2009 dh vof/k ds fy, mlds laLFkku esa j[ks laifRr ftldk ewY;&50]00]000@&¼ipkl yk[k :i;s½ Fkk] ds lac/ak esa chek ikWfylh izkIr fd;k FkkA fnukad&13-07-2009 ls fnukad&15-07-2009 ds e/; yxkrkj Hkkjh ckfj'k gqvk Fkk vkSj ckfj'k dk ikuh ifjoknh laLFkku esa izos'k dj x;k Fkk ftlds dkj.k ls ifjoknh laLFkku esa j[ks x, twV cksjk ,oa vU; lkeku u"V gks x;k Fkk vkSj bldh lwpuk ifjoknh us rRdky vukosnd dzekad&1 chek diauh dks fn;k FkkA vukosnd dzekad&2 ifjoknh laLFkku esa fnukad&24-07-2009 dks vk;k t:j Fkk ijUrq mlds ikl losZ;j fu;qfDr laca/kh vkns'k ugha FkkA Jh Hkkoukuh vf/koDrk dk ;g Hkh rdZ gS fd iwoZ esa ifjoknh }kjk izdj.k tks lafLFkr fd, x, Fks mlesa losZ;j fu;qfDr ds laca/k esa chek diauh us // 8 // vk{ksi fd;k Fkk fd ftl O;fDr }kjk losZ fd;k x;k gS] mUgsa chek daiuh }kjk fu;qDr ugha fd;k x;k Fkk vkSj blfy, ifjoknh us losZ;j ls fu;qfDr laca/kh vkns'k fn[kkus ds fy, dgk Fkk ijUrq losZ;j }kjk vkns'k ugha fn[kk;k x;k vkSj fcuk vkns'k fn[kk, pyk x;kA ,l- ds- ds'kjokuh losZ;j us dHkh Hkh fujh{k.k ugha fd;k gS rFkk chek daiuh us vius drZO;ksa dk fuoZgu ugha fd;k tcfd lwpuk izkIr gksus ds rRdky ckn mUgsa losZ;j fu;qDr djuk FkkA Jh Hkkoukuh vf/koDrk dk ;g Hkh rdZ gS fd vukosnd dzekad&1 ba';ksjsal daiuh }kjk Jh lkSjHk 'kqDyk dks buosLVhxsVj fu;qDr fd;k Fkk vkSj mlus viuk fjiksVZ fn;k Fkk ijUrq ml fjiksVZ ds ifjizs{; esa Hkh chek diauh }kjk ifjoknh dks dkfjr {kfr dk ewY;kadu mfpr :i ls ugha fd;k x;k gS vkSj uk gh jkf'k dk Hkqxrku fd;k x;k gSA ifjoknh ds fo}ku vf/koDrk dk ;g Hkh rdZ gS fd pwfa d eky lM+ jgk Fkk vkSj nqxZa/k mRiUu gksus yxk Fkk vkSj vkl&ikl ds yksxksa }kjk vk{ksi fd;k tk jgk Fkk blfy, ifjoknh }kjk [kjkc laifRr;ksa dks fQadok;k x;k Fkk ftldh fof/kor~ fyf[kr lwpuk ba';ksjsal daiuh dks ifjoknh }kjk le;&le; ij fn;k x;k gS rFkk ifjoknh us losZ;j fu;qDr djus ds laca/k esa ba';ksjsal daiuh ls vuqjks/k fd;k Fkk ijUrq ba';ksjsal daiuh }kjk dksbZ dk;Zokgh ugha fd;k x;k vkSj bl izdkj ba';ksjsal diauh us voS/k :i ls ifjoknh ds nkos dks vLohdkj dj lsok esa deh fd;k gSA vr% ifjoknh] ifjokn&i= esa of.kZr vuqlkj {kfriwfrZ dh jkf'k vukosnd dzekad&1 ls ikus dk vf/kdkjh gSA ifjoknh dh vksj ls Harsolia Motors Vs. National Insurance Co. Ltd. I(2005) CPJ 27 (NC) ,oa M/s. R.R. International Vs. M/s. New India Assurance Co. 2013(I) CPR 221 (NC) ,oa AmlineTextile Private Limited Vs. United India Insurance Co. Ltd. 2011(3) CPR 197 (NC) dk voyacu fy;k gSA // 9 // 10- vukosndx.k dh vksj ls milatkr gksus okys vf/koDrk Jh ih- ds- ikWy us ifjoknh dh vksj ls izLrqr rdZ dk fojks/k djrs gq, ;g rdZ izLrqr fd;k gS fd vukosnd dzekad&1 dh vksj ls vukosnd dzekad&2 dks losZ;j fu;qDr fd;k x;k Fkk vkSj vukosnd dzekad&2 ifjoknh laLFkku esa fnukad&24-07-2009 dks x;k Fkk ijUrq mls izos'k ugha djus fn;k x;kA vukosnd dzekad&2 iqu% fnukad&27-07-2009 dks ifjoknh laLFkku esa x;k Fkk vkSj mlds ckn fnukad&04-08-2009 ,oa fnukad&06- 08-2009 dks Hkh x;k Fkk ijUrq ifjoknh }kjk dksbZ lg;ksx ugha fd;k x;kA ifjoknh us ;g crkus dk iz;kl fd;k gS fd mlus lM+s eky ;k [kjkc eky dks fQadok fn;k gS ijUrq bl rF; dks og lkfcr ugha dj ldk gSA vukosnd dzekad&1 }kjk fu;qDr buosLVhxsVj Jh lkSjHk 'kqDyk us viuh fjiksVZ esa ;g Li"V :i ls crk;k gS fd ifjoknh }kjk fdl MªkbZOgj ls vkSj dc eky dks fQadok;k gS] ds laaca/k esa dksbZ Li"V tkudkjh ugha ns ik;k gSA Jh ikWy vf/koDrk dk ;g Hkh rdZ gS fd Jh lkSjHk 'kqDyk us vkl&ikl ds yksxksa dk dFku ys[kc} fd;k gSA ifjoknh }kjk eky dks fQadokuk lkfcr ugha gqvk gSA ifjoknh ;g lkfcr ugha dj ldk gS fd ck<+ ds dkj.k mls fdl izdkj dh ,oa fdruh {kfr dkfjr gqbZ gSA ifjoknh us bl izdkj ds dbZ izdj.k vius Lo;a ;k ifjokj ds lnL;ksa ds ek/;e ls izLrqr fd;k Fkk vkSj bl izdkj ifjoknh feF;k vk/kkjksa ij chek dh jkf'k izkIr djus dh ps"Vk djrs jgk gSA Jh ikWy vf/koDrk dk ;g Hkh rdZ gS fd ifjoknh dk ifjokn feF;k rF;ksa ij vk/kkfjr gSA Jh ikWy vf/koDrk us vius rdZ ds nkSjku Jh lkSjHk 'kqDyk ,oa Jh ,l- d-s ds'kjokuh }kjk 'kiFk&i= ij fn, x, dFkuksa dh vksj /;ku vkdf"kZr fd;k gS vkSj lkFk esa lkSjHk 'kqDyk buosLVhxsVj dk tks c;ku ys[kc} fd;k gS mldh vksj /;ku vkdf"kZr djrs gq, ;g crkus dk iz;kl fd;k x;k gS fd ifjoknh dks fdlh izdkj dh dksbZ {kfr dkfjr ugha gqvk gS vkSj ifjoknh dk ifjokn feF;k vk/kkjksa ij gSA ifjoknh dk // 10 // ifjokn izpyu ;ksX; ugha gSA vr% ifjoknh dk ifjokn fujLr fd;k tkosA Jh ikWy vf/koDrk us vius rdZ ds leFkZu esa ifjokn izdj.k dzekad&19@2006 esllZ f'koe twV m|ksx fo:} us'kuy ba';ksjsl a daiuh fyfeVsM ,oa vU; nks vkns'k fnukad&31-03-2009] izdj.k dzekad&21@ 2006 esllZ xks;y twV m|ksx fo:} us'kuy ba';ksjsl a daiuh fyfeVsM ,oa vU; nks vkns'k fnukad&31-03-2009] izdj.k dzekad&20@2006 esllZ lR;e twV m|ksx fo:} us'kuy ba';ksjsl a daiuh fyfeVsM ,oa vU; nks vkns'k fnukad&31-03-2009] ifjokn izdj.k dzekad&74@2009 esllZ lR;e twV m|ksx cuke us'kuy ba';ksjsl a daiuh oxSjg rFkk ifjokn izdj.k dzekad&75@2009 esllZ f'koe twV m|ksx cuke us'kuy ba';ksjsl a diauh oxSjg esa ikfjr vkns'k fnukad&12-01-2011 dh vksj /;ku vkdf"kZr djrs gq, ;g crkus dk iz;kl fd;k x;k gS fd ifjoknh blh izdkj dk ifjokn izLrqr djrs jgk gS blfy, ifjoknh fdlh izdkj dk vuqrks"k ikus dk vf/kdkjh ugha gSA 11- ifjoknh dh vksj ls vius i{k leFkZu esa chek ikWfylh] ?kVuk ds laca/k esa nh xbZ lwpuk fnukad&15-072009] vukosnd dzekad&1 ,oa 2 }kjk ifjoknh dks fy[kk x;k i= fnukad&27-07-2009 ,oa 24-07-2009] vukosnd dzekad&2 ds i= fnukad&24-07-2009 dk tokc] vukosnd dzekad&1 ds i= fnukad&27-07-2009 dk tokc fnukad&04-08-2009] Dyse QkeZ fnukad&04-08-2009] vukosnd dzekad&2 }kjk ifjoknh dks fy[kk x;k i= fnukad&04-08-2009 ,oa ifjoknh }kjk fn;k x;k tokc fnukad&04-08-2009] losZ;j fu;qfDr ds lac/a k esa i= fnukad&07-08-2009] ifjoknh dks fy[kk x;k i= fnukad&06-08-2009 ,oa mldk tokc fnukad&10-08-2009] vUos"kd lkSjHk 'kqDyk dk fy[kk x;k i= fnukad&21- 08-2009] lkSjHk 'kqDyk }kjk ifjoknh ls iwNs x;s iz'uksa dk tokc fnukad& 05-09-2009] ifjoknh }kjk lkSjHk 'kqDyk dks fy[ks x;s i= fnukad&07-092- // 11 // 2009] iath;u izek.k&i=] jftLVªhdj.k dk izek.k&i=] uxj ikfydk ifj"kn chjxkao }kjk iznRr jlhn] esllZ xks;y twV m|ksx dk fcy fnukad&12-07-2009 ,oa 05-08-2009] furs'k jksMykbZUl dk MsfLVus'ku dkih ,oa MªkbZOgj dkih] fctyh fcy] ifjoknh }kjk vukosnd dzekad&1 dks fy[kk x;k i= fnukad&26-08-2009] ifjoknh }kjk vUos"kd Jh lkSjHk 'kqDyk dks fy[kk x;k i= fnukad&01-10-2009 ,oa 23-11-2009] izeksn esus dk 'kiFk&i= fnukad&10-08-2009] t; twV ,oa baMLVªh ds fMLisp ds laca/k esa Hksts x, i= ftlesa eky ,oa jkf'k dk fooj.k gS fnukad&06-05- 2009] 11-05-2009] 13-05-2009] 17-06-2009] 22-06-2009 ,oa 27-06-2009] vafcdk twV fey dk VsDl buokbZl fnukad&19-06-2009 ,oa Dyse fujLrhdj.k dh lwpuk fnukad&24-03-2010 dh Nk;kizfr;ka izLrqr dh xbZ gSaA 12- vukosndx.k dh vksj ls vius i{k leFkZu esa ikWfylh 'ksM~;wy 'krZ lfgr] ,l- ds- ds'kjokuh losZ;j ,.M ykWl vlslj }kjk es- xks;y twV m|ksx dks Hkstk x;k uksfVl@fjekbZUMj fnukad&24-07-2009] QkbZuy uksfVl@fjekbZUMj fnukad&04-08-2009] Qqy ,.M QkbZuy uksfVl@ fjekbZUMj fnukad&06-08-2009] losZ fjiksVZ fnukad&28-03-2010] QksVksxzkQ~l] vukosnd dzekad&1 }kjk ifjoknh dks Hkstk x;k i= fnukad&27-07-2009] Dyse QkeZ] vukosnd dzekad&1 }kjk ifjoknh dks Hkstk x;k i= fnukad&07-08-2009] lkSjHk 'kqDyk vUos"k.kdrkZ }kjk vukosnd dzekad&1 chek daiuh dks fn;k x;k vUos"k.k fjiksVZ fnukad&18- 02-2010] Qqyljke lkgw dk c;ku fnukad&23-01-2009] Jherh lyekckbZ dk c;ku] nkok dh lwpuk fnukad&24-03-2010] vxzoky Qsfeyh dk LVsVesaV vkWQ osfj;l DysEl LVsVl] ,l- ds- ds'kjokuh dk losZ fjiksVZ fnukad&08-10-2007 dh Nk;kizfr;ka is'k dh xbZ gSA // 12 // 13- ifjoknh us vius ifjokn&i= dh dafMdk&7 esa dsoy bruk dFku fd;k gS fd ifjoknh dks dkQh uqdlku gqvk Fkk vkSj QSDVªh esa j[ks gq, eky dh dqy dher&48]00]000@&¼vM+rkyhl yk[k :i;s½ gS ijUrq ifjoknh us vius ifjokn&i= esa fdruh laifRr ck<+ ds dkj.k u"V gqvk Fkk vkSj fdrus dh mls {kfr dkfjr gqvk Fkk] bldk dksbZ Li"V vfHkopu ugha fd;k gSA 14- ifjoknh dh vksj ls losZ;j fu;qfDr dks vk{ksfir fd;k gS vkSj ;g crkus dk iz;kl fd;k x;k gS fd iwoZ esa tks vU; izdj.k lafLFkr gq, Fks muesa tks losZ;j fu;qDr fd;k x;k Fkk ds laca/k esa ba';ksjsal daiuh us vk{ksi fd;k Fkk fd muds }kjk fu;qDr ugha fd;k x;k gS blhfy, bl izdj.k esa ifjoknh }kjk vukosnd dzekad&2 ls fu;qfDr&i= fn[kkus ds fy, dgk x;k Fkk ijUrq fu;qfDr&i= ugha fn[kk;k x;k vkSj bl laca/k esa ifjoknh us izksijkbZVj vf[kys'k vxzoky dk 'kiFk&i= izLrqr fd;k gSA blds foijhr vukosnd dzekad&2 ,l- ds- ds'kjokuh dk 'kiFk&i= izLrqr djrs gq, ;g crk;k x;k gS fd og ifjoknh laLFkku esa x;k Fkk vkSj mlus fu;qfDr ds laca/k esa tkudkjh fn;k Fkk vkSj dgk Fkk fd og eksckbZy ds ek/;e ls rlnhd dj ysos ijUrq ifjoknh }kjk mls laLFkku esa izos'k ugha djus fn;k x;kA 15- ifjoknh dh vksj ls ,-ih-,l- iokj ofj"V e.My izca/kd ,oa lkSjHk 'kqDyk vUos"kd rFkk ,l- ds- ds'kjokuh dks iz'ukoyh ds ek/;e ls izfrijh{k.k fd;k x;k vkSj ,l- ds- ds'kjokuh dks 26 iz'u ifjoknh }kjk izLrqr fd;k x;k Fkk vkSj iz'u dzekad&8 esa ;g iwNk x;k Fkk fd fnukad&24-07-2009 dks tc vki ifjoknh ds laLFkku esa fujh{k.k djus x, Fks rks D;k vkids ikl fu;qfDr vkns'k FkkA bl ij ,l- ds- ds'kjokuh losZ;j ,oa ykWl vlslj ¼vukosnd dzekad&2½ us ;g mRrj fn;k gS fd // 13 // fu;qfDr vkns'k gsrq fyf[kr vkns'k vko';d ugha gksrk gS] vr,o ;g esjs ikl ugha FkkA iz'u&10 ds mRrj esa Li"V dFku fd;k gS fd og ifjoknh laLFkku dks vksfj,aVy ba';ksjsal daiuh dh vksj ls rFkkdfFkr {kfr dh tkap vkSj ewY;kadu djus gsrq vf/kd`r djus dh tkudkjh fn;k Fkk vkSj blds fy, fyf[kr vkns'k ykuk vko';d ugha FkkA ifjoknh dh vksj ls tks M~;wVht vkWQ losZ;j ,.M ykWl vlslj izLrqr fd;k x;k gS mlds ifj'khyu ls ,slk izrhr ugha gksrk gS fd losZ;j dks mldh fu;qfDr ds laca/k esa fyf[kr vkns'k ysdj chfer O;fDr dks fyf[kr vkns'k fn[kk;k tkosA losZ;j ds drZO; esa crk;k x;k gS fd losZ;j ;FkklaaHko 30 fnol ds Hkhrj {kfr dk vkadyu dj fjiksVZ lafLFkr djsA psIVj&5 ds fu;e&14 esa mldh ;ksX;rk ,oa psIVj&6 esa vkpj.k ds laca/k esa mYys[k fd;k x;k gSA 16- bl izdj.k esa vukosnd dzekad&1 ba';ksjsal daiuh }kjk Jh lkSjHk 'kqDyk dks buosLVhxsVj fu;qDr fd;k x;k Fkk vkSj mlds }kjk Hkh LFky fujh{k.k dj viuk izfrosnu fn;k x;k gSA Jh lkSjHk 'kqDyk us vius fjiksVZ tks fd fojks/kh i{k dk nLrkost dzekad&10 gS vkSj vfHkys[k esa i`"B dzekad&156 esa miyC/k gS] esa ;g mYysf[kr fd;k x;k gS fd mlds }kjk **Vªd ds LokfeRo ,oa Qsads tkus ds izek.k Lo:i fcYVh dh ekax ij ifjoknh }kjk crk;k x;k fd mijksDr Vªd Lo;a muds LokfeRo dh gS ftlds lac/a k esa muds }kjk Vªd dzekad&lh-th- 04&th@4359 ds iath;u] fQVusl] ijfeV dh izfr nh xbZ Vªd ds chek ikWfylh ,oa izeksn esus ds Mªk;foax ykbZlsal dh izfr ugha nh xbZ** rFkk i`"B dzekad&157 Qqyljke lkgw] lyek ckbZ [kku rFkk vxys i`"B ij jes'k iVsy] veryky ikaMs] fcgkjh pk; nqdku ,oa cq}w <kCkk@gksVy ,oa dqN etnwjksa dk c;ku ysus dk mYys[k fd;k gS vkSj lkFk esa Qqyljke lkgw] lyek ckbZ [kku vkfn dk c;ku Hkh layXu gSA // 14 // 17- Jh lkSjHk 'kqDyk us viuh fjiksVZ esa mYysf[kr fd;k gS fd Qqyljke lkgw] lyek ckbZ [kku] jes'k iVsy] veryky ikaM]s fcgkjh pk; nqdku] cq}w <kCkk@gksVy vkfn us tks dFku fd;k gS mlds vuqlkj {kfrxzLr ckjnkuk dks Qsads tkus dk rF; lkfcr ugha gksrk gS rFkk Jh lkSjHk 'kqDyk us viuh fjiksVZ esa ;g mYysf[kr fd;k gS fd fnukad&13-07- 2009 ls fnukad&15-07-2009 esa ckfj'k gqvk Fkk] mlesa ek= 1QhV ikuh Hkjk Fkk tks rRdky fudyok fn;k x;k Fkk rFkk vius fu"d"kZ esa mUgksua s crk;k gS fd ifjoknh }kjk tehu ls yxHkx 4 QhV ikuh Hkjs gksus lacfa /kr rF; dh iqf"V gsrq dksbZ Hkh izek.k&i= izLrqr ugha fd;k x;k gS vkSj uk gh xksMkmu esa Hkhxs gq, eky dk dksbZ QksVksxzkQ~l izLrqr fd;k gSA fu"d"kZ dh dafMdk&6 esa ;g mYysf[kr fd;k gS fd **xksMkmu tehu ds lery rFkk xksMkmu ds vanj o ckgj ds e/; ek= 6 baph maph lhesVa dh iV~~Vh dk gksuk ,oa xksMkmu ds vanj yxHkx 2 QhV maps LFkku ij fctyh dk ehVj o esu fLop dk gksuk ik;k x;k ijUrq mDr fnokjksa ij dgha ij Hkh ikuh ds Hkjs gksus lac/a kh fu'kku izkIr ugha gq, tks fd nkokdrkZ ds mijksDr 4 QhV ikuh Hkjus ,oa rFkkdfFkr {kfr laca/kh rF;ksa dks fl} djsa** rFkk dafMdk&7 ls 10 esa Hkh viuh fjiksVZ ds laca/k esa lkSjHk 'kqDyk us mYysf[kr djrs gq, crk;k gS fd ifjoknh us xksMkmu es a dk;Zjr~ Jfed ,oa ?kVuk fnukad ds etnwjksa o Mªk;oj dks isesaV ds laca/k esa dksbZ fjdkMZ izLrqr ugha fd;k gSA 18- Jh lkSjHk 'kqDyk }kjk mlds }kjk izLrqr fjiksVZ ds leFkZu esa vius Lo;a dk 'kiFk&i= Hkh izLrqr fd;k x;k gS rFkk ifjoknh }kjk Jh lkSjHk 'kqDyk dk iz'ukoyh ds ek/;e ls izfrijh{k.k fd;k x;k gS vkSj ftlesa 19 iz'u ifjoknh }kjk lkSjHk 'kqDyk ls iwNk x;k gS vkSj iz'u dzekad&13 ds mRrj esa lkSjHk 'kqDyk us Li"V :i ls dFku fd;k gS fd mlus Lora= ,oa fu"i{k gksdj lkf{k;ksa dk c;ku muds crk, vuqlkj ys[kc} fd;k FkkA // 15 // lkSjHk 'kqDyk }kjk tks Qqyljke lkgw vkSj lyek ckbZ [kku dk c;ku is'k fd;k gS ml ij nksuksa lkf{k;ksa ds gLrk{kj gSa rFkk lkSjHk 'kqDyk }kjk izLrqr izfrosnu ij vfo'okl djus dk dksbZ vk/kkj fo|eku ugha gSA 19- ifjoknh dh vksj ls tks nLrkost is'k fd, x, gSa mlesa muds fdlh deZpkjh dk ;k Vªd ds MªkbZOgj dk 'kiFk&i= ugha gS ftlls ;g izdV gks fd ifjoknh }kjk lM+s&xys ckjnkuksa dks fQadok;k x;k Fkk vkSj uk gh vkl&ikl ds fdlh O;fDr dk dksbZ 'kiFk&i= gS] uk gh ifjoknh }kjk ,slk dksbZ lk{; is'k fd;k x;k gS ftlds vk/kkj ij ;g izdV gks fd xksMkmu esa 3 ls 4 QhV ikuh Hkj x;k FkkA ;gka rd fd vius ifjokn&i= esa ifjoknh us dsoy ;g vfHkopu fd;k gS fd mlds QSDVªh esa j[ks gq, dqy eky dh dher&48]00]000@&¼vM+rkyhl yk[k :i;s½ Fkh ijUrq mlus ;g vfHkopu ugha fd;k gS fd mlesa ls fdruh laifRr {kfrxzLr gqvk Fkk vkSj fdruh laifRr lgh voLFkk esa FkkA ifjoknh dh vksj ls dsoy ;g vk{ksi gS fd pwafd vukosnd ba';ksjsl a daiuh us losZ;j fu;qDr ugha fd;k Fkk blfy, {kfr dk vkadyu ugha gks ldk gS vkSj ,slh fLFkfr esa ifjoknh us tks 46]07]977@&¼fNa;kyhl yk[k lkr gtkj ukS lkS lrgRrj :i;s½ dh {kfr vkadfyr fd;k gS og Lohdkj ;ksX; gS] ifjoknh dk mDr rdZ Lohdkj ugha fd;k tk ldrk gSA 20- ifjoknh dh vksj ls fjTokbZaMj ,oa ifjoknh QeZ ds izksijkbZVj Jh vf[kys'k vxzoky dk 'kiFk&i= izLrqr fd;k x;k gS vkSj bu 'kiFk&i=ksa esa Hkh {kfr ds lac/ak esa dksbZ vkadyu ugha fn;k x;k gS vkSj eq[; :i ls ;g vk{ksfir fd;k x;k gS fd vukosnd dzekad&1 }kjk le; ij losZ;j fu;qDr ugha fd;k x;k rFkk losZ;j us fnukad&24-07-2009 dks viuk fu;qfDr i= ugha fn[kk;k Fkk vkSj fu;qfDr i= lkFk ysdj vkus dgdj vukosnd dzekad&2 okil pyk x;k fQj mlds }kjk dksbZ losZ ugha fd;k // 16 // x;k gS vkSj bl laca/k esa losZ;j ,l- ds- ds'kuokuh }kjk losZ djus ds fy, mlds izfr"Bku esa ugha vk;k gS] bl ckor~ Jh vf[kys'k vxzoky ds 'kiFk&i= ds vfrfjDr vU; dksbZ lk{; ugha gS tcfd vukosndx.kksa us Li"V :i ls crk;k gS fd ,l- ds- ds'kjokuh losZ ds fy, x;k Fkk ijUrq mls izfr"Bku esa izos'k djus ugha fn;k x;kA 21- ifjoknh dk ;g drZO; Fkk fd og fnukad&13-07-2009 ls 15-07- 2009 dh vof/k esa dqy fdruh o"kkZ gqbZ gS bl laca/k esa lacaf/kr foHkkx ls izek.k&i= izkIr djrk vkSj ftlls ;g fu/kkZfjr gks ldrk Fkk fd okLro esa bruh vf/kd ckfj'k gqbZ Fkh ftlds dkj.k ls ifjoknh ds xksMkmu esa 3 ls 4 QhV ikuh Hkj x;k FkkA blds foijhr vukosnd dzekad&1 }kjk fu;qDr buosLVhxsVj us viuh fjiksVZ esa ;g Li"V :i ls mYysf[kr fd;k gS fd xksMkmu esa 2 QhV dh mapkbZ ij ehVj ,oa esu fLop gSA buosLVhxsVj fjiksVZ ds vuqlkj tc 2 QhV dh mapkbZ ij ehVj ,oa esu fLop gS rks ,slh fLFkfr esa 4 QhV dh mapkbZ rd ikuh xksMkmu esa Hkjrk rks fuf'pr gh fo|qr izokg izHkkfor gksrk ijUrq bl laca/k esa Hkh dksbZ lk{; ifjoknh dh vksj ls izLrqr ugha ugha fd;k x;k gS vkSj ,slh fLFkfr esa dsoy ifjoknh ds 'kiFk&i= ds vk/kkj ij ;k mlds }kjk fojks/kh i{k dks fy[ks x, i=ksa ds vk/kkj ij ;g fu/kkZfjr ugha fd;k tk ldrk fd ifjoknh dks fnukad&13-07-2009 ls 15-07-2009 dks gqbZ ckfj'k ds dkj.k ls 46]07]977@&¼fNa;kyhl yk[k lkr gtkj ukS lkS lrgRrj :i;s½ dh {kfr dkfjr gqvk gSA ifjoknh us tks nLrkost dzekad ,&19 izLrqr fd;k gS mlesa ;g crkus dk iz;kl fd;k gS fd fnukad&11-07-2009 dks 392 xkaB x 500 ux izfr xkaB =1]96]000 x 25-45= 49]88]200@&¼mupkl yk[k vBklh gtkj nks lkS :i;s½ dh laifRr Fkh ftlesa ls cps dqy eky dh dher 1]88]203@&¼,d yk[k vBklh gtkj nks lkS rhu :i;s½ cpr 4 izfr'kr eky =1]92]020@&¼,d yk[k c;kucs gtkj chl :i;s½ dqy& // 17 // 46]07]977@&¼fNa;kyhl yk[k lkr gtkj ukS lkS lrgRrj :i;s½ dh {kfr dkfjr gqvk gSA ifjoknh }kjk izLrqr mDr nLrkost fu'p;kRed izd`fr dk lk{; ugha gS vkSj ifjoknh }kjk fdl vk/kkj ij {kfr dk vkadyu fd;k gS bldk dksbZ mYys[k ugha gS vkSj ,slh fLFkfr esa dsoy ifjoknh }kjk izLrqr nLrkost ds vk/kkj ij ;g fu/kkZfjr ugha fd;k tk ldrk fd ifjoknh dks 46]07]977@&¼fNa;kyhl yk[k lkr gtkj ukS lkS lrgRrj :i;s½ dh {kfr dkfjr gqvk gSA 22- izdj.k ds ifj'khyu ls ;g izdV gksrk gS fd iwoZ esa Hkh esllZ lR;e VsªMlZ dh vksj ls ifjokn izdj.k dzekad&74@2009 ,oa esllZ f'koe twV m|ksx dh vksj ls ifjokn izdj.k dzekad&75@2009 ,oa esllZ xks;y twV m|ksx ftldk fd izksijkbZVj Jh vf[kys'k vxzoky gS] dh vksj ls ifjokn izdj.k dzekad&21@2006 ,oa esllZ lR;e twV m|ksx dh vksj ls ifjokn izdj.k dzekad&20@2006 izLrqr fd, x, Fks rFkk ifjokn izdj.k dzekad&74@2009] 75@2009 rFkk 21@2006 vkfn fujLr fd, x, FksA 23- bl izdj.k esa Hkh ifjoknh dh vksj ls eq[;r% vk{ksi fd;k x;k gS fd ba';ksjl sa daiuh ¼vukosnd dzekad&1½ us losZ;j dh fu;qfDr ugha fd;k Fkk tcfd vukosnd dzekad&1 us fu"i{k :i ls crk;k gS fd mlus Jh ,l- ds- ds'kjokuh dks losZ;j fu;qDr fd;k Fkk vkSj Jh ,l- ds- ds'kjokuh us vius 'kiFk&i= esa ;g dFku fd;k gS fd ifjoknh laLFkku esa x;k Fkk ijUrq ifjoknh }kjk mls losZ ugha djus fn;k x;k ,oa ifjoknh dh vksj ls Lo;a fdruh {kfr gqvk gS bldk dksbZ fu'p;kRed bLVhesV ;k vkadyu izLrqr ugha fd;k x;k gS vkSj bu lc ifjfLFkfr esa ;g ugha dgk tk ldrk fd ifjoknh dks ifjokn esa of.kZr vuqlkj {kfr dkfjr gqvk gSA // 18 // 24- ifjoknh ds i{k esa Standard Fire & Special Perils Policy tkjh gqvk Fkk ftldh 'krZ dzekad&6 fuEukuqlkj gS%& "6 (i) On the happening of any loss or damage the insured shall forthwith give notice thereof to the Company and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the company-
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The Oriental Insurance Company Ltd. vs Paramjit Kaur on 24 March, 2015

23.         However, the judgment relied upon by the Counsel for the appellant/Opposite Party No.1 in Haabia Advertising (India) Pvt. Ltd. Vs. United India Insurance Company Limited & Anr., II (2012) CPJ 327 (NC), is distinguishable on facts, as in that case, the National Commission held that damage to advertisement hoardings erected at various places occurred due to malicious act. Interestingly in that case, the Opposite Parties did not appoint any Surveyor. Further, placing reliance on the judgment of Hon'ble Supreme Court in National Insurance Co. Ltd. Vs. M/s Ishar Das Madan Lal, Appeal (Civil) No.6113 of 2000 decided on 20.02.2007, the Counsel tried to lay emphasis on the definitions of 'criminal breach of trust' and the word 'entrust', which is not more or less relevant as in the instant case, the Investigator in his report held the claim to be genuine.  As such, no benefit can be derived by the appellant/Opposite Party No.1 out of it. Thus, there was deficiency, in rendering service, on the part of the appellant/Opposite Party No.1, in repudiating the claim of respondent No.1/complainant. The District Forum, thus, correctly allowed the complaint, while taking note of the law settled by the National Commission and rightly directed the appellant/Opposite Party No.1, to pay the IDV of the stolen vehicle alongwith interest @9% per annum.
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Shahjha W/O Shahid Shekh vs Star Health & Allied Insurance Company ... on 9 May, 2024

rFkk iqfyl us Hkh ,Q-,l-,y- fjiksVZ ds vk/kkj ij e`rd dks 'kjkc ih;s gksuk ekuk gSA iqfyl us Hkh ,slk fu"d"kZ ugha fn;k gS fd 'kjkc ihus ds dkj.k e`rd ikuh esa Mwck gks vFkkZr~ ,slk lkfcr ugha gS fd e`rd 'kjkc ds u'ks esa engks'k gksdj ikuh esa Mwc x;k gksA ,slh fLFkfr esa General Exclusions la[;k 4 ds rgr ;g ekeyk doj ugha gksrk gSA rdZ ds rkSj ij bl ekeys esa ,DlDywtu DykWt la[;k 4 ds rgr doj gksuk Hkh ekuk tkos rc Hkh foi{khx.k dh vksj ls ;g lkfcr ugha fd;k x;k gS fd chek ikWfylh ds lkFk mDr ,DlDywtUl chek/kkjd dks ns fn;s x;s gksA 08-¼i½ foi{khx.k dh vksj ls ekuuh; loksZPp U;k;ky; dk U;kf;d n`"Vkar Civil Appeal no. 1375/2003 M/s Suraj mal Ram Niwas Oil mills Pvt. Ltd. Vs United India Insurance Co. Ltd. & Anr. izLrqr fd;k x;k gS fdUrq bl ekeys esa ,DlDywtu DykWt dk ekeyk ugha Fkk cfYd ;g ekuk x;k Fkk fd izR;sd dalkbuesaV dks Hkstus ls igys chek dEiuh dks Li"V :i ls lwfpr fd;k tkuk pkfg,A ¼ii½ foi{khx.k dh vksj ls ekuuh; loksZPp U;k;ky; dk U;kf;d n`"Vkar 1966 AIR (SC) 1644 General Assurance Society ltd. Vs chandumull Jain & Anr. fu.kZ; fnukad 07-02-1966 izLrqr fd;k x;k gSA bl ekeys esa chek ikWfylh fujLr djus lacaf/kr fookn FkkA vr% ;g U;kf;d n`"Vkar Hkh gLrxr izdj.k ij ykxw ugha gksrk gSA ¼iii½ foi{khx.k dh vksj ls ekuuh; loksZPp U;k;ky; dk U;kf;d n`"Vkar Civil Appeal no. 5103/2002 AIR 2009 (SC) 2026 Deokar Exports Pvt. Ltd. Vs New India Assurance Company Ltd. fu.kZ; fnukad 23-09-2008 izLrqr fd;k x;k gS fdUrq bl U;kf;d n`"Vkar okys ekeys esa chek/kkjd }kjk izLrko fn;k] ftls dqN eksfMfQds'ku ds lkFk Lohdkj fd;k x;k] ftls dkm.Vj iziksty dgk tkosxkA vc chek /kkjd bl dkm.Vj iziksty dks Lohdkj dj ldrk Fkk] euk dj ldrk Fkk vFkok ml dkm.Vj iziksty dk Hkh dkm.Vj iziksty ns ldrk FkkA izLrkod us ,slk dqN ugha fd;k] chek lafo/kk gksuk ugha ekuk x;kA ;g U;kf;d n`"Vkar fdlh Hkh n`f"V ls gLrxr izdj.k ls lacfa /kr ugha gSA 5 jkT; miHkksDrk vk;ksx lfdZV cSap] dksVk ifjokn la[;k 03@2019 'kkgtgka cuke LVkj gsYFk ,.M ,ykbZM bU';ksjlsa dEiuh fyfeVsM ,oa vU;
State Consumer Disputes Redressal Commission Cites 2 - Cited by 0 - Full Document
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