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Documents citing The Manager, M/S. Icici Lombard General ... vs Mainuddin on 5 January, 2015

The Oriental Insurance Co.Ltd. vs Prahlad Roy Agrawal on 17 November, 2015

i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ,y- ds- tks'kh] vf/koDrkA mRrjoknh dh vksj ls Jh ujsanz dqekj lkgw] vf/koDrkA vkns'k fnukad% 17@11@2015 }kjk&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] ljxqtk] vfEcdkiqj ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&2014/73 izgykn jk; vxzoky fo:) fn vksfj;saVy ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k fnukad&31- 01-2015 ftlds n~okjk mRrjoknh@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& // 2 // **vukosnd 45 fnol ds Hkhrj vkosnd dks 63]975@& ¼frjlB gtkj ukS lkS ipgRrj :Ik;s½] ekufld O;Fkk gsrq 1]000@&¼,d gtkj :Ik;s½ dqy 64]975@&¼pkSalB gtkj ukS lkS ipgRrj :Ik;s½ lank; dj nsosaA bl ifjokn ds O;; vukosnd Lo;a ds rFkk vkosnd ds Hkh O;; 1]000@&¼,d gtkj :Ik;s½ ogu djsxk] ftlesa vf/koDrk 'kqYd Hkh lekfgr gSA** ls nqf[kr gksdj izLrqr fd;k gSA 02- ftyk Qksje ds le{k mRrjoknh@ifjoknh dk ifjokn la{ksi esa bl izdkj jgk gS fd mRrjoknh@ifjoknh us vius LokfeRo dh eSDl fidvi okgu dz-&lh-th-15,@6883 dk chek vihykFkhZ@vukosnd ls fnukad&15- 11-2012 ls fnukad&14-11-2013 rd dh vof/k ds fy, fnukad&15-11- 2012 dks 13]634@&¼rsjg gtkj N% lkS pkSarhl :i;s½ izhfe;e vnk dj djk;k Fkk ftldk chek ikWfylh dzekad&193300@31@2013@9872 gSA mRrjoknh@ifjoknh fnukad&30-06-2013 dks 1-30 cts [kkyh okgu Lo;a ds dke gsrq xarO; LFkku rd ys tk jgk Fkk fd js.k unh ds ikl ds'ko uxj esa nks cSyksa ds yM+us ds dkj.k mls cpkus esa okgu nq?kZVukxzLr gks xbZA mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd chek daiuh dks Dyse izi= ,oa okgu {kfr dk fcy 3]05]682-88 ¼rhu yk[k ikap gtkj N% lkS c;klh :Ik;s vBklh iSls½ dk fn;s tkus ij vihykFkhZ@vukosnd }kjk fnukad&20-12-2013 dks Dyse nsus ls badkj dj fn;k x;kA mRrjoknh@ ifjoknh }kjk [kkyh okgu dks Lo;a ds d`f"k dk;Z gsrq xarO; LFkku ij ys tk;k tk jgk Fkk ftldk mi;ksx ifjogu okgu ds :Ik esa ugha fd;k tk jgk Fkk rFkk MªkbZOgj ds ikl oS/k ykbZlsal FkkA bl izdkj vihykFkhZ@ vukosnd }kjk mRrjoknh@ifjoknh dk Dyse fujLr dj fn;s tkus ds dkj.k mRrjoknh@ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA // 3 // 03- vihykFkhZ@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ifjokn&i= ds egRoiw.kZ vfHkopuksa dks vLohdkj djrs gq, ;g vfHkopu fd;k x;k gS fd mRrjoknh@ifjoknh dk gYdk eky okgd okgu fidvi dzekad&lh-th-15,@6883 chek ikWfylh dh 'krksZa ds rgr 1]45]800@&¼,d yk[k iSarkyhl gtkj vkB lkS :Ik;s½ gsrq fnukad& 15-11-2012 ls fnukad&14-11-2013 rd chfer FkkA okgu dh {kfr dh lwpuk izkIr gksrs gh okgu dh {kfr dk vkadyu losZ;j Jh ih- ds- vxzoky ls djk;k x;k ftUgksaus okgu dh {kfr usV vkWQ lkYost csfll ij djrs gq, vkbZ- Mh- Ogh- 1]45]800@&¼,d yk[k iSarkyhl gtkj vkB lkS :Ik;s½ esa ls lkYost dk 60]000@&¼lkB gtkj :Ik;s½ de fd;k gS ftl ij 85]800@&¼ipklh gtkj vkB lkS :Ik;s½ gksrk gS rFkk ikWfylh ,Dlsl ds rgr 500@&¼ikap lkS :Ik;s½ dh dVkSrh dh tkdj okLrfod {kfr jkf'k&85]300@&¼ipklh gtkj rhu lkS :i;s½ fd;k gS ijUrq mRrjoknh@ifjoknh }kjk chek ikWfylh dk ?kksj mYya?ku fd;k x;k gS ,slh fLFkfr esa losZ;j }kjk vkadfyr {kfr jkf'k mRrjoknh@ifjoknh izkIr djus dk vf/kdkjh ugha gSA nq?kZVuk ds le; chfer okgu dk pkyu ukjk;.k flag dj jgk Fkk ftldk pkyd vuqKfIr&i= dzekad&lh-th- 15@2003@0003287 gS ftldk lR;kiu vUos"kd Jh uUn fd'kksj ik.Ms; ls djk;k x;k ftldh fjiksVZ ds vuqlkj mijksDr pkyu vuqKfIr i= ek= gYdk okgu pkyu djus gsrq gS tcfd chfer okgu gYdk eky okgd okgu gS ftls pkyu gsrq VªkaliksVZ pkyd vuqKfIr i= gksuk pkfg, ijUrq mijksDr pkyd ds ikl VªkaliksVZ okgu pkyu dk oS/k ,oa izHkkoh pkyd vuqKfIr i= ugha Fkk tks fd chek ikWfylh dk ?kksj mYya?ku gS vkSj ftlds dkj.k mRrjoknh@ifjoknh dk nkok vihykFkhZ@vukosnd }kjk fujLr fd;k x;k gSA vihykFkhZ@vukosnd }kjk lsok esa dksbZ deh ugha dh xbZ gSA mRrjoknh@ifjoknh] vihykFkhZ@vukosnd ls fdlh Hkh izdkj dh jde izkIr djus dk vf/kdkjh ugha gSA vr% mRrjoknh@ifjoknh dk ifjokn fujLr fd;k tkosA // 4 // 04- ftyk Qksje us mHk;i{k dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFk&i=ksa ds ifj'khyu Ik'pkr~ mRrjoknh@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gSA 05- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k eksVj nkok izi= (Annexure A-1)] chek ikWfylh (Annexure A-2)] lfVZfQdsV vkWQ fQVusl (Annexure A-3)] lfVZfQdsV vkWQ jftLVªs'ku (Annexure A-4)] MªkbZfoax ykbZlsal (Annexure A-5)] LVkj vkWVkseksckbZYl dk dksVs'ku fnukad&11-07-2013 (Annexure A-6)] vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&20-12-2013 (Annexure A-7) dh QksVks dkih izLrqr fd;k gSA 06- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&20-12-2013 (Annexure D-1)] chek ikWfylh (Annexure D-2)] vUos"kd uUn fd'kksj nqcs }kjk vihykFkhZ@vukosnd dks izsf"kr okgu iath;u lR;kiu fnukad&10-10-2013 (Annexure D-3)] okgu fooj.k fnukad&09-10- 2013 (Annexure D-4)] lfVZfQdsV vkWQ jftLVsª'ku (Annexure D-5)] vUos"kd uUn fd'kksj nqcs }kjk vihykFkhZ@vukosnd dks iszf"kr pkyu vuqKfIr i= fnukad&10-10-2013 (Annexure D-6)] ba';ksjsal gksYMj fMVsYl (Annexure D-7)] losZ fjiksVZ fnukad&12-09-2013 (Annexure D-8) dh QksVks dkih izLrqr fd;k gSA // 5 // 07- vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ,y- ds- tks'kh dk ;g rdZ gS fd ftyk Qksje }kjk ikfjr vkyksP; vkns'k =qfViw.kZ gS vkSj fujLrh ;ksX; gSA iz'uk/khu okgu LGV (Light Goods Vehicle) okgu Fkk tcfd pkyd ds ikl LMV (Light Motor Vehicle) pykus dk MªkbZfoax ykbZlsal FkkA bl izdkj nq?kZVuk fnukad dks dfFkr pkyd ukjk;.k flag ds ikl izHkko'khy MªkbZfoax ykbZlsal ugha Fkk vkSj bl izdkj mRrjoknh@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS vkSj chek 'krksZa ds mYya?ku gksus ds dkj.k ls vekud (Non Standard Basis) vk/kkj ij Hkh {kfriwfrZ jkf'k ugha fn;k tk ldrk gS vkSj ftyk Qksje us vekud (Non Standard Basis) vk/kkj ij tks {kfriwfrZ jkf'k fnyk;k gS og =qfViw.kZ gSA vr% vihykFkhZ@vukosnd ba';ksjsal daiuh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k fujLr fd;k tkosA vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls bl laca/k esa ICICI Lombard General Insurance Co. Ltd. Vs. Mainuddin I (2015) CPJ 328 (NC) dk voyacu fy;k gSA 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ujsanz dqekj lkgw dk ;g rdZ gS fd ftyk Qksje dk vkns'k fof/k lEer vkns'k gSA pkyd ukjk;.k flag ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal FkkA vxj eku ysa fd nq?kZVuk ds le; dsoy gYdk ;ku pykus ds fy, MªkbZfoax ykbZlsal Fkk rks Hkh vekud (Non Standard Basis) vk/kkj ij {kfriwfrZ ikus dk vf/kdkjh gS vkSj ftyk Qksje us losZ;j fjiksVZ dks vk/kkj ekudj vekud (Non Standard Basis) vk/kkj ij tks {kfriwfrZ jkf'k fnyk;k gS og iw.kZr% mfpr gS] mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA // 6 // 09- geus mHk;i{k ds fo)ku vf/koDrkvksa dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 10- ftyk Qksje us fopkj.kh; fcUnq dzekad&1 esa dafMdk&9 esa ;g mYysf[kr fd;k gS fd **vihykFkhZ@vukosnd dh vksj ls pkyd ds pkyd vuqKfIr dk lR;kiu izn'kZ Mh&6 ,oa pkyd vuqKfIr ds ifVZdqylZ izn'kZ Mh&7 izLrqr fd;k x;k gS ftlds vuqlkj pkyd ukjk;.k flag ds uke ij fnukad&01-09-2003 dks ,y- ,e- Ogh- gYdh eksVj ;ku pykus gsrq vkj- Vh- vks- vfEcdkiqj }kjk MªkbZfoax ykbZlsal tkjh fad;k x;k gS ftldh E;kn fnukad&02-08-2022 rd gS] mDr ifVZdqylZ fnukad&10-02-2013 dks vkj- Vh- vks- vfEcdkiqj ls fuxZfer fd;k x;k gSA mlds iwoZ gYdh eksVj ;ku ds vfrfjDr vU; ifjogu ;ku pykus gsrq dksbZ vH;kosnu djus ;k i`"Bkafdr djkus dk dksbZ lk{; ugha gSA mDr izn'kZ Mh&6 ,oa Mh&7 ds nksuksa nLrkost vUos"kd Jh uUn fd'kksj nqcs ds 'kiFk&i= ls lefFkZr gS** rFkk ftyk Qksje us mijksDr foospuk ds vk/kkj ij ;g fu"d"kZ fudkyk gS fd **nq?kZVuk ds le; pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal gksuk izekf.kr ugha gS** ijUrq ftyk Qksje us vekud (Non Standard Basis) vk/kkj ij {kfriwfrZ dh jkf'k iznku fd;k gSA 11- mRrjoknh@ifjoknh dh vksj ls ,d MªkbZfoax ykbZlsal dh Nk;kizfr izLrqr fd;k x;k gS ijUrq mDr Nk;kizfr ds ifj'khyu ls ;g izdV ugha gksrk gS fd og MªkbZfoax ykbZlsal fdlds uke ij gS rFkk MªkbZfoax ykbZlsal iw.kZr% iBuh; ugha gSA blds foijhr vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls uUn fd'kksj nqcs }kjk e.My izca/kd] vksfj,aVy ba';ksjsal daiuh fyfeVsM dks i= fy[kk x;k gS ftlesa vuqKfIr /kkjd ukjk;.k flag ds ckjs esa crk;k x;k gS fd mlds ikl dsoy LMV (Light Motor Vehicle) pykus dk gh MªkbZfoax ykbZlsal gS rFkk vkj- Vh- vks- dk;kZy; vfEcdkiqj ls ,d // 7 // ifVZdqylZ tkjh fd;k x;k gS ftlesa Hkh okgu dzekad&lh-th-15,@6883 ds laca/k esa crk;k x;k gS fd og LGV (Light Goods Vehicle) gS rFkk tks lfVZfQdsV vkWQ jftLVªs'ku izLrqr fd;k x;k gS mlesa Hkh okgu dks LGV ¼fidvi½ crk;k x;k gS rFkk ykbZlsaflax vFkkWfjVh vfEcdkiqj }kjk tks ifVZdqylZ tkjh fd;k x;k gS mlesa Hkh ;g mYysf[kr gS fd ukjk;.k flag vk- vdyw flag ds i{k esa dsoy LMV (Light Motor Vehicle) dk MªkbZfoax ykbZlsal tkjh fd;k x;k gS vkSj mlesa fdlh izdkj dk dksbZ i`"Bkadu LGV (Light Goods Vehicle) ds ckjs esa ugha gSA 12- vc ns[kuk gS fd D;k fdlh O;fDr ds ikl LMV (Light Motor Vehicle) pykus dk MªkbZfoax ykbZlsal gS] ml MªkbZfoax ykbZlsal ds vk/kkj ij og LGV (Light Goods Vehicle) pykus ds fy, l{ke gS\ mRrjoknh@ifjoknh us vius ifjokn&i= esa eSDl fidvi okgu fy[kk gqvk gS rFkk mRrjoknh@ifjoknh dh vksj ls lfVZfQdsV vkWQ jftLVsªs'ku dh dkih izLrqr fd;k x;k gS mlesa Hkh okgu dks LGV ¼fidvi½] efgUnzk ,aM efgUnzk fyfeVsM crk;k x;k gSA vUos"kd uUn fd'kksj nqcs }kjk e.My izca/kd dks Hksts x, i= easa Hkh okgu dk tks ifVZdqylZ fn;k x;k gS mlesa okgu dk izdkj LGV vkSj okgu ds fooj.k esa efgUnzk ,aM efgUnzk fidi mYysf[kr gSA ba';ksjsal lfVZfQdsV de ikWfylh 'ksM~;wy esa ifCyd dSfj;lZ okgu ds laca/k esa ikWfylh tkjh fd;s tkus dk mYys[k gSA bl izdkj ;g Li"V gS fd tks okgu gS og LGV (Light Goods Vehicle) okgu gSA 13- /kkjk&2 ¼14½ esa eky okgu dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj%& ¼14½ **eky okgu** ls ,slk dksbZ eksVj ;ku vfHkizsr gS tks dsoy eky <ksus ds fy, fufeZr ;k vuqdwfyr gS ;k ,slk // 8 // dksbZ eksVj ;ku Hkh] tks ,sls fufeZr ;k vuqdwfyr ugha gS] ml n'kk esa vfHkizsr gS tcfd mldk mi;ksx eky <ksus esa fd;k tkrk gSA rFkk /kkjk&2 ¼21½ esa gYdk eksVj ;ku dks ifjHkkf"kr djrs gq, crk;k x;k gS fd%& ¼21½ **gYdk eksVj ;ku** ls vfHkizsr gS ,slk dksbZ ifjogu ;ku ;k cl ftlesa ls fdlh dk ldy ;ku Hkkj] ,slh eksVj dkj ;k VªSDVj ; jksM&jksyj ftlesa ls fdlh dk ynku jfgr Hkkj] 7]500 fdyksxzke ls vf/kd ugha gSA vkSj e/;e eky ;ku ds laaca/k esa /kkjk&2 ¼23½ esa crk;k x;k gS fd%& ¼23½ **e/;e eky ;ku** ls gYds eksVj ;ku ;k Hkkjh eky ;ku ls fHkUu dksbZ eky okgu vfHkizsr gSA 14- lfVZfQdsV vkWQ jftLVªs'ku ls Li"V gS fd okgu dzekad&lh-th- 15,@6883 dk ynku jfgr Hkkj 1400 fdyks xzke vkSj ynku lfgr Hkkj 2300 fdyks xzke gS rFkk lfVZfQdsV vkWQ jftLVªs'ku ,oa ba';ksjsal ikWfylh ds ifj'khyu ls Li"V gS fd dfFkr okgu LGV ¼Light Goods Vehicle½ ds varxZr vkrk gS vkSj pkyd ukjk;.k flag ds laca/k esa tks vUos"kd uUn fd'kksj nqcs }kjk tks i= izsf"kr fd;k x;k gS vkSj ykbZlsaflax vFkkWfjVh vfEcdkiqj }kjk tks ifVZdqylZ tkjh fd;k x;k gS mlds vuqlkj pkyd ukjk;.k flag ds ikl LMV (Light Motor Vehicle) dks pykus ds fy, gh MªkbZfoax ykbZlsal Fkk tcfd iz'uk/khu okgu LGV (Light Goods Vehicle) gSA bl izdkj pkyd ukjk;.k flag ds ikl dsoy LMV (Light Motor Vehicle) pykus ds fy, MªkbZfoax ykbZlsal Fkk u fd LGV (Light Goods Vehicle) pykus dkA // 9 // 15- ICICI Lombared General Insurance Co. Ltd. Vs. Mainuddin (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8.
State Consumer Disputes Redressal Commission Cites 7 - Cited by 0 - Full Document

Shriram Transport Finance Co.Ltd. vs Rajkumar Agrawal & Anr. on 9 March, 2016

20- mijksDr U;k; n`"Vkarksa ds ifjizs{; esa Li"V gS fd ifjoknh **miHkksDrk** gS vkSj fookn **miHkksDrk fookn** gS blfy, ifjoknh dk ifjokn ftyk Qksje ds le{k la/kkj.kh; gSA 21- vihykFkhZ@vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh fyfeVsM }kjk nwljk vk{ksi ;g fd;k x;k gS fd ifjoknh ds pkyd f'kcq nkl ds ikl nq?kZVuk ds le; oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA ifjoknh dk tks okgu Fkk og eky okgd okgu Fkk tcfd pkyd f'kcq nkl ds ikl gYdk eksVj ;ku pykus ds fy, MªkbZfoax ykbZlsal Fkk vkSj og VªkaliksVZ oxZ ds okgu dks pykus ds fy, le{k ugha Fkk vkSj bl izdkj // 14 // chek 'krksZa dk mYya?ku fd;k x;k gSA vihykFkhZ@vukosnd dz-1 dk mDr rdZ Hkh Lohdkj ;ksX; ugha gSA 22- ifjoknh us lfVZfQdsV vkWQ jftLVsª'ku ,oa lfVZfQdsV vkWQ fQVusl izLrqr fd;k gS] mlesa okgu dks Light Goods Vehicle crk;k x;k gS rFkk lfVZfQdsV vkWQ jftLVsª'ku esa ynku jfgr Hkkj 1400 fdyks xzke vkSj ynku lfgr Hkkj 2300 fdyks xzke crk;k x;k gS vkSj lfVZfQdsV vkWQ jftLVsª'ku ,oa chek ikWfylh ds ifj'khyu ls Li"V gS fd dfFkr okgu Light Goods Vehicle ds :Ik esa gS vkSj pkyd f'kcq nkl dk tks MªkbZfoax ykbZlsal izLrqr fd;k x;k gS og Light Motor Vehicle dks pykus ds fy, l{ke Fkk] tcfd iz'uk/khu okgu Light Goods Vehicle gSA bl izdkj pkyd f'kcq nkl ds ikl tks MªkbZfoax ykbZlsal gS og Light Motor Vehicle dk gS u fd Light Goods Vehicle dkA 23- ICICI Lombared General Insurance Co. Ltd. Vs. Mainuddin, I (2015) CPJ 328 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8.
State Consumer Disputes Redressal Commission Cites 16 - Cited by 0 - Full Document

Shriram General Insurance Co.Ltd. vs Rajkumar Agrawal & Anr. on 9 March, 2016

20- mijksDr U;k; n`"Vkarksa ds ifjizs{; esa Li"V gS fd ifjoknh **miHkksDrk** gS vkSj fookn **miHkksDrk fookn** gS blfy, ifjoknh dk ifjokn ftyk Qksje ds le{k la/kkj.kh; gSA 21- vihykFkhZ@vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh fyfeVsM }kjk nwljk vk{ksi ;g fd;k x;k gS fd ifjoknh ds pkyd f'kcq nkl ds ikl nq?kZVuk ds le; oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA ifjoknh dk tks okgu Fkk og eky okgd okgu Fkk tcfd pkyd f'kcq nkl ds ikl gYdk eksVj ;ku pykus ds fy, MªkbZfoax ykbZlsal Fkk vkSj og VªkaliksVZ oxZ ds okgu dks pykus ds fy, le{k ugha Fkk vkSj bl izdkj // 14 // chek 'krksZa dk mYya?ku fd;k x;k gSA vihykFkhZ@vukosnd dz-1 dk mDr rdZ Hkh Lohdkj ;ksX; ugha gSA 22- ifjoknh us lfVZfQdsV vkWQ jftLVsª'ku ,oa lfVZfQdsV vkWQ fQVusl izLrqr fd;k gS] mlesa okgu dks Light Goods Vehicle crk;k x;k gS rFkk lfVZfQdsV vkWQ jftLVsª'ku esa ynku jfgr Hkkj 1400 fdyks xzke vkSj ynku lfgr Hkkj 2300 fdyks xzke crk;k x;k gS vkSj lfVZfQdsV vkWQ jftLVsª'ku ,oa chek ikWfylh ds ifj'khyu ls Li"V gS fd dfFkr okgu Light Goods Vehicle ds :Ik esa gS vkSj pkyd f'kcq nkl dk tks MªkbZfoax ykbZlsal izLrqr fd;k x;k gS og Light Motor Vehicle dks pykus ds fy, l{ke Fkk] tcfd iz'uk/khu okgu Light Goods Vehicle gSA bl izdkj pkyd f'kcq nkl ds ikl tks MªkbZfoax ykbZlsal gS og Light Motor Vehicle dk gS u fd Light Goods Vehicle dkA 23- ICICI Lombared General Insurance Co. Ltd. Vs. Mainuddin, I (2015) CPJ 328 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8.
State Consumer Disputes Redressal Commission Cites 16 - Cited by 0 - Full Document

The Oriental Insurance Co.Ltd. vs Ram Prasad Khunte on 5 November, 2015

i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh f'kf'kj HkaMkjdj] vf/koDrkA mRrjoknh dh vksj ls Jh lat; frokjh] vf/koDrkA vkns'k fnukad% 05@11@2015 }kjk&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;x<+ ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&105/2014 jkeizlkn [kawVs fo:) 'kk[kk izca/kd] fn vksfj,aVy ba';ksjsal daiuh fyfeVsM ,oa ,d vU; esa ikfjr // 2 // vkns'k fnukad&19-05-2015 ftlds n~okjk mRrjoknh@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, vknsf'kr fd;k x;k gS fd%& **v- vukosndx.k@fo:) ikVhZx.k] vkosnd@ifjoknh dks 82]157@&¼c;klh gtkj ,d lkS larkou :Ik;s½ ,d eghus ds Hkhrj Hkqxrku djsaxsA c- vukosndx.k@fo:) ikVhZx.k] vkosnd@ifjoknh dks ekufld {kfriwfrZ 10]000@&¼nl gtkj :Ik;s½ rFkk okn O;; 2]000@&¼nks gtkj :Ik;s½ Hkh Hkqxrku djsaxsA** ls nqf[kr gksdj izLrqr fd;k gSA 02- ftyk Qksje ds le{k mRrjoknh@ifjoknh dk ifjokn la{ksi esa bl izdkj jgk gS fd mRrjoknh@ifjoknh }kjk dz;'kqnk iathd`r eky okgd gYdk ;ku efgUnzk ,.M efgUnzk daiuh fyfeVsM }kjk fufeZr o"kZ 2009 Mhty pfyr lQsn jax eSDl fidvi iath;u dz-&lh-th-13 Mh@3416 dk chek vihykFkhZ@vukosnd dz-1 }kjk fnukad&12-03-2012 dks chek vof/k fnukad&13-03-2012 ls fnukad&12-03-2013 rd dh vof/k ds fy, fd;k tkdj chek ikWfylh dOgj uksV dz-193400450200 ,oa ikWfylh dz-& 193400@31@2012@2703 tkjh fd;k x;k FkkA mRrjoknh@ifjoknh dh mijksDr iz'uk/khu okgu dh cktkj dher dk vkadyu vihykFkhZ@ vukosnd dz-1 ds }kjk 2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ fd;k tkdj nq?kZVuk tksf[ke chek lsok Lo:Ik 14]369@&¼pkSng gtkj rhu lkS mugRrj :Ik;s½ vihykFkhZ@vukosnd dz-1 }kjk mRrjoknh@ifjoknh ls izkIr fd;k x;k FkkA mRrjoknh@ifjoknh dh iz'uk/khu okgu dks fnukad&08-12-2012 dks okgu pkyd uUnjke lksuh mlds ikfjokfjd lnL;ksa] fj'rsnkjksa ,oa ifjfprksa dks xzke dkSrck ds lehiLFk xzke ydM+keqM+k ls Jh panzgkfluh nsoh eafnj ls eUur&eukSrh dh iwtk vpZuk djds okil x`g xzke ykSV jgk Fkk rHkh LFkkuh; twV fey ckW; ikl ekxZ jk;x<+ esa xzke dksleukjk ckck lR;ukjk;.k /kke ds fudV igqaprs gh // 3 // lkeus ls rst j¶Qkj ykijokgh] vlko/kkuh ,oa mrkoysiu ls vk jgh vU; fidvi okgu dz- lh-th-13Mh@9419 ds pkyd us lh/ks tcZnLr Bksdj ekjdj nq?kZVuk dkfjr dj fn;k ftlls mRrjoknh@ifjoknh dh okgu gok esa Åaph mNy xbZ vkSj okgu ds ij[kPps mM+ x;s vkSj okgu ls ykSV jgs ifjtuksa] ifjfprksa ,oa fj'rsnkjksa esa ls 04 O;fDr;ksa dh mDr nq?kZVuk LFky ij gh e`R;q gks xbZ rFkk vk/kk ntZu yksx t[eh@?kk;y gks x;sA mDr nq?kZVuk dh izFke lwpuk&i= vkj{kh dsUnz dksrjk jksM] jk;x<+ esa ntZ djkbZ xbZ Fkh tgka vijk/k dz-&251@2012 iathc) fd;k x;k Fkk vkSj mDr vijk/k esa nq?kZVukxzLr okgu dks lacaf/kr iqfyl }kjk tIr fd;k x;k Fkk ftlls mDr tIr'kqnk okgu U;k;ky; U;kf;d eftLVsªV izFke Js.kh jk;x<+ }kjk ikfjr lqiqnZukek vkns'k fnukad&18-12-2012 dks mRrjoknh@ifjoknh dks lqiqnZxhukek esa nh xbZ FkhA okgu ds nq?kZVukxzLr gksus dh tkudkjh vihykFkhZ@vukosnd dz-1 ds dk;kZy; esa fof/kor~ fnukad&18-12-2012 dks izsf"kr dh xbZ rc vukosndx.k chek daiuh ds losZ;j }kjk okgu laca/kh izkjafHkd tkap mijkar mlesa vko';d ejEer@ fjis;fjax ,oa dyiqtsZ] jn~nkscny djkus ds fy, funsZf'kr fd;k x;k rc mRrjoknh@ifjoknh }kjk mDr okgu dks vU; okgu ls Vkspu dj x`g xzke iRFkyxkao ys x;k tgka eksVj xSjst esa okgu dh ejEer ,oa dyiqtksZa dks jn~nkscny djok;k x;kA mRrjoknh@ifjoknh }kjk mDr okgu ds laca/k esa {kfriwfrZ dk nkok vkosnu e; ewy ns;dksa ,oa QksVksxzk¶l ds lkFk fnukad&14-03-2013 dks vihykFkhZ@vukosnd dz-1 ds dk;kZy; esa 1]09]543@&¼,d yk[k ukS gtkj ikap lkS frjkyhl :Ik;s½ dh /kujkf'k iznk; djus gsrq izsf"kr fd;k x;k ftls vihykFkhZ@vukosnd dz-1 }kjk cnfu;fr ,oa nqHkkZoukxzLr gksdj voS/k o vuqfpr :Ik ls fof/k foijhr gksdj {kfriwfrZ nkok vkosnu dks fiNyh fnukad&18-06-2013 esa fujLr fd;k tkdj mldk fujLrh i= mRrjoknh@ifjoknh dks fnukad&20-07- 2013 dks vR;f/kd foyac ls izsf"kr fd;k x;k tks fd vihykFkhZ@ vukosnd dh lsok esa deh o vuqfpr] voS/k O;kikfjd izFkk dks izdV // 4 // djrk gSA iz'uk/khu nq?kZVuk fnukad&08-12-2012 dks mRrjoknh@ifjoknh dh mDr okgu oS/k vuqKfIr/kkjh okgu pkyd }kjk pyk;h tk jgh Fkh ftls okgu iath;u vf/kdkjh }kjk oS/k okgu pkyd vuqKfIr iznku dh gSA mRrjoknh@ifjoknh dh okgu }kjk dksbZ vijkf/kd d`R; ugha fd;k gS vkSj uk gh iqfyl }kjk ;krk;kr fu;eksa ds mYya?ku dk dksbZ izdj.k mRrjoknh@ifjoknh dh okgu vFkok okgu pkyd uUnjke lksuh ds fo:) fufeZr fd;k x;k gSA iz'uk/khu {kfriwfrZ nkok fujLrh vkns'k ds tfj;s vihykFkhZ@vukosnd dz-1 dh vksj ls mRrjoknh@ifjoknh dks Li"Vhdj.k izLrqr djus ds fy, vknsf'kr fd;k x;k ftlls mRrjoknh@ ifjoknh }kjk fnukad&01-08-2013 dks viuk Li"Vhdj.k vihykFkhZ@ vukosnd dz-1 ds dk;kZy; esa izLrqr fd;k] ijUrq mDr Li"Vhdj.k ds mijakr Hkh dksbZ {kfriwfrZ jkf'k iznku ugha dh xbZ vkSj uk gh Li"Vhdj.k dks fujLr djus laca/kh lwpuk nh xbZ ftlds dkj.k mRrjoknh@ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- [email protected] dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ifjokn&i= ds egRoiw.kZ vfHkopuksa dks vLohdkj djrs gq, ;g vfHkopu fd;k x;k gS fd mRrjoknh@ifjoknh }kjk dfFkr ?kVuk fnukad&08-12-2012 ds laca/k esa nkok izi= fnukad&14- 03-2013 dks is'k fd;k tkuk crk;k x;k gSA mRrjoknh@ifjoknh }kjk vR;ar foyac ls dk;Zokgh dh xbZ gSA mRrjoknh@ifjoknh us okgu ds iath;u dk nLrkost ,oa pkyd uUnjke lksuh dh okgu pkyu vuqKfIr dh izfr layXu dh FkhA mRrjoknh@ifjoknh dk okgu ykbZV xqM~l Oghdy gSA mRrjoknh@ifjoknh }kjk izLrqr uUnjke lksuh dh okgu pkyu vuqKfIr eksVj lkbZfdy foFk fx;j ,oa ykbZV eksVj Oghdy pkyu gsrq iznku dh xbZ gSA mRrjoknh@ifjoknh }kjk izLrqr dkxtkr vuqlkj mRrjoknh@ifjoknh ds mDr okgu dk pkyu djus gsrq okgu pkyd // 5 // uUnjke lksuh fof/kd vuqKk/kkjh ugha gSA [email protected] us vius i= fnukad&28-06-2013 vuqlkj mDr rF; ls mRrjoknh@ifjoknh dks lwfpr djrs gq, mlds }kjk izLrqr nkok ekU; ugha gksuk n'kkZ;k gS blds ckotwn [email protected] us O;kikfjd laca/kksa ds en~nsutj ,d volj mRrjoknh@ifjoknh dks iznku djrs gq, nks lIrkg ds Hkhrj mDr laca/k esa Li"Vhdj.k izLrqr djus gsrq dgk Fkk ftlds ckn Hkh mRrjoknh@ifjoknh }kjk mDr laca/k esa dksbZ Li"Vhdj.k izLrqr ugha fd;k x;kA mRrjoknh@ ifjoknh dks izkjaHk ls Kkr gS fd mlds okgu pkyd uUnjke lksuh ds ikl lacaf/kr okgu pkyu gsrq fof/kd ,oa izHkko'khy vuqKk ugha gS blds ckotwn mRrjoknh@ifjoknh }kjk mDr okgu pkyd ls okgu pkyu djok;k x;k gS rFkk fdlh izdkj ls okgu pkyd dh vuqKfIr dks fof/kd n'kkZus dk iz;kl fd;k tk jgk gSA [email protected] ds losZ;j }kjk okgu laca/kh izkjafHkd tkap mijkar mlesa vko';d ejEer@fjis;fjax ,oa dyiqtsZ jn~nkscny djkus dk u rks funsZ'k fn;k x;k gS vkSj u gh mRrjoknh@ifjoknh }kjk okgu dh ejEer esa 1]09]542@&¼,d yk[k ukS gtkj ikap lkS ca;kyhl :Ik;s½ dk O;; fd;k x;k gSA mRrjoknh@ifjoknh }kjk izLrqr leLr ejeEr fcy QthZ ,oa cukoVh gS ftudk okLrfodrk ls fdlh izdkj dk dksbZ laca/k ugha gSA mRrjoknh@ifjoknh }kjk okgu dks dkfjr okLrfod {kfr ds laca/k esa dksbZ lwpuk ,oa dkxtkr [email protected] dks ugha fn;s x;s gSa vkSj u gh ,fLVesV fn;k gSA mRrjoknh@ifjoknh }kjk eux<ar ,oa cukoVh rF;ksa dks vk/kkfjr dj] QthZ nLrkostksa ds vk/kkj ij okgu dks {kfr dkfjr gksuk] okgu dh ejEer djkuk ,oa 1]09]542@&¼,d yk[k ukS gtkj ikap lkS ca;kyhl :Ik;s½ O;; gksuk crk;k tk jgk gS tks fof/k vuqlkj ekU; fd;s tkus ;ksX; ugha gSA mRrjoknh@ifjoknh }kjk is'k nLrkostksa ls Li"V gS fd lacaf/kr ykbZV xqM~l Oghdy esa nks vknfe;ksa ds cSBus dk LFkku gS tcfd mRrjoknh@ifjoknh }kjk nks O;fDr;ksa dh txg 24 O;fDr;ksa dks cSBkdj okgu dk pkyu fd;k x;k gSA mRrjoknh@ifjoknh }kjk ftl // 6 // nkf.Md izdj.k dks vk/kkj cukdj vfHkopu fd;k x;k gS ,oa ftlds nLrkost izdj.k esa is'k fd, x, gSa] mls izdj.k esa bl izdkj okgu pkyu dk rFkk iqfyl }kjk xokg panu pkSgku] uanjke lksuh] panjke lksuh] ghjkyky ceZu o djewjke ds dFku ls Li"V gS ,oa mDr rF; dk dFku losZ;j Jh eqds'k xks;y vf/koDrk jk;x<+ dks Hkh mu iqfyl xokgksa }kjk fd;k x;k gS vkSj mRrjoknh@ifjoknh us tku&cw>dj bl rF; dks Nqik;k gSA mRrjoknh@ifjoknh }kjk chek ikWfylh dh 'krksZa dk mYya?ku fd;k x;k gS ,slh fLFkfr esa mRrjoknh@ifjoknh dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjokn fujLr fd;k tkosA 04- ftyk Qksje us mHk;i{k dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFk&i=ksa ds ifj'khyu Ik'pkr~ mRrjoknh@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gSA 05- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k HkkfV;k VªkaliksVZ dh jlhn fnukad&19-12-2012 (Annexure A-1)] f'ko 'kfDr VsªoYl ,aM VªkaliksVZ dk fcy fnukad&19-12-2012 (Annexure A-2)] nqxkZ QksVks LVwfM;ks dk fcy fnukad&20-12-2012 (Annexure A-3)] nqxkZ QksVks LVwfM;ks dk fcy fnukad&19-12-2013 (Annexure A-4)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&11-02-2013 (Annexure A-5)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&12-02-2013 (Annexure A-6)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&13-02-2013 (Annexure A-7)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&14-02-2013 (Annexure A-8)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&15-02-2013 (Annexure A-9)] fodkl eksVj xSjst dk fcy fnukad&15-01-2013 (Annexure A-10)] fodkl eksVj xSjst dk fcy fnukad&25-01-2013 (Annexure A-11)] jkaph vkWVks bysfDVªf'k;u dk fcy // 7 // fnukad&20-02-2013 (Annexure A-12)] ccyw MsafVax odZ'kkWi dk fcy fnukad&14-01-2013 (Annexure A-13)] lfVZfQdsV vkWQ jftLVªs'ku (Annexure B-1)] chek ikWfylh (Annexure B-2)] izFke lwpuk izfrosnu fnukad&08-12-2012 (Annexure B-3)] mRrjoknh@ifjoknh }kjk 'kk[kk izca/kd dks izsf"kr i= fnukad&18-12-2012 (Annexure B-4)] lqiqnZukek vkns'k fnukad&18-12-2012 (Annexure B-5)] uUn jke lksuh dk MªkbZfoax ykbZlsal (Annexure B-6)] jftLVªs'ku ikfVZdqylZ lfVZfQdsV (Annexure B-7)] mRrjoknh@ifjoknh }kjk 'kk[kk izca/kd dks izsf"kr i= fnukad&14-03-2013 (Annexure B-8)] vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&28-06-2013 (Annexure B-9)] mRrjoknh@ifjoknh }kjk ofj"B fMfotuy izca/kd dks izsf"kr i= fnukad&01-08-2013 (Annexure B-10)] vijk/k fooj.k QkeZ (Annexure B-11) rFkk vijk/k fooj.k (Annexure B-12) dh QksVks dkih izLrqr fd;k gSA 06- [email protected] dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vUos"kd eqds'k xks;y dk izfrosnu e; panu pkSgku] pUnjke lksuh] uUn jke lksuh] ghjkyky ceZu] djewjke dk c;ku dh QksVks dkih (Annexure -1) rFkk eqds'k xks;y dk 'kiFk&i= (Annexure -2)] eksVj nkok izi= (Annexure -1)] ccyw MsfVax odZ'kkWi dk fcy fnukad&23-12-2012 (Annexure -1 v)] ,fLVesV (Annexure -1 c)] fodkl eksVj xSjt dk fcy fnukad&23-12-2012 (Annexure -1 l ,oa n)] turk vkWVks bysfDVªf'k;u dk fcy (Annexure -1 bZ)] mRrjoknh@ifjoknh }kjk 'kk[kk izca/kd dks izsf"kr i= fnukad&14-03-2013 (Annexure -2)] HkkfV;k VªkaliksVZ dh jlhn fnukad&19-12-2012 (Annexure-2 v)] f'ko 'kfDr VsªoYl ,aM VªkaliksVZ dk fcy fnukad&19-12-2012 (Annexure-2 c)] nqxkZ QksVks LVwfM;ks dk fcy fnukad&20-12-2012 (Annexure-2 l)] nqxkZ QksVks LVwfM;ks dk fcy // 8 // fnukad&19-12-2013 (Annexure-2 n)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&11-02-2013(Annexure-2 bZ)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&12-02-2013 (Annexure-2 Q)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&13-02-2013 (Annexure-2 p)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&14-02-2013 (Annexure-2 N)] ekWa Hkxorh vkWVks lsaVj dk fcy fnukad&15-02-2013 (Annexure-2 t)] fodkl eksVj xSjst dk fcy fnukad&15-01-2013 (Annexure-2 >)] fodkl eksVj xSjst dk fcy fnukad&25-01-2013 (Annexure-2 d)] jkaph vkWVks bysfDVªf'k;u dk fcy fnukad&20-02-2013 (Annexure-2 [k)] ccyw MsafVax odZ'kkWi dk fcy fnukad&14-01-2013(Annexure-2 x) rFkk QksVks xzk¶l dk vly izLrqr fd;k gSA 07- vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls vkns'k&41 fu;e&27 lh- ih- lh- dk vkosnu&i= izLrqr fd;k x;k gSA 08- geus vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls izLrqr vkosnu&i= varxZr vkns'k&41 fu;e&27 lh- ih- lh- ij mHk;{k dks lqukA 09- vkosnu&i= ij fopkj fd;kA 10- vihykFkhZ@vukosnd ba';ksjsal daiuh us losZ;j rq"kkj pkSgku ds losZ fjiksVZ dks izLrqr djuk pkgk gSA losZ;j dh fjiksVZ ,d egRoiw.kZ nLrkost // 9 // gksrk gS vkSj losZ;j }kjk tks {kfr fu/kkZj.k fd;k tkrk gS] og {kfriwfrZ fnykus ds fy, vk/kkj cuk;k tk ldrk gS] mls ns[krs gq, losZ fjiksVZ bl izdj.k ds okLrfod U;k; fu.kZ;u ds fy, vko';d nLrkost gSA ,slh fLFkfr esa vihykFkhZ@vukosnd ba';ksjsal daiuh }kjk izLrqr vkosnu&i= vkns'k&41 fu;e&27 lh- ih- lh- Lohdkj fd;k tkrk gS vkSj losZ fjiksVZ dks vihyh; voLFkk esa vfrfjDr lk{; ds :Ik esa vfHkys[k esa fy;k tkrk gSA 11- vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh f'kf'kj HkaMkjdj dk ;g rdZ gS fd ftyk Qksje }kjk ikfjr vkyksP; vkns'k fof/k foijhr vkns'k gS vkSj fujLrh ;ksX; gSA iz'uk/khu okgu esa] chek ikWfylh rFkk lfVZfQdsV vkWQ jftLVªs'ku esa tks cSBus dh {kerk fu/kkZfjr fd;k x;k gS mlls vf/kd yxHkx 24 ;kf=;ksa dks cSBkdj okgu pyk;k tk jgk Fkk tcfd iz'uk/khu okgu gYds Js.kh dk eky okgd ;ku Fkk vkSj ,slh fLFkfr esa eky okgd ;ku esa ;kf=;ksa dks yk;k ugha tk ldrk gS vkSj tcfd mDr okgu esa ;k=hx.k cSBs gq, FksA bl izdkj mRrjoknh@ifjoknh us chek 'krksZa dk mYya?ku fd;k gS rFkk eky okgd ;ku ds pkyd ds ikl MªkbZfoax ykbZlsal Hkh ugha Fkk vkSj nq?kZVuk ds le; pkyd ds ikl izHkko'khy MªkbZfoax ykbZlsal ugha Fkk rks ,slh fLFkfr esa ;g ekuk tkosxk fd mRrjoknh@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS vkSj bl izdkj chek 'krksZa dk mYya?ku gksus ls vekud ¼Non Standard Basis½ vk/kkj ij {kfriwfrZ jkf'k ugha fnyk;k tk ldrk gS vkSj ftyk Qksje us vekud ¼Non Standard Basis½ vk/kkj ij tks {kfriwfrZ jkf'k fnyk;k gS og =qfViw.kZ gSA vr% vihykFkhZ@vukosnd ba';ksjsal daiuh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vihykFkhZ@vukosnd ba';ksjsal daiuh dh vksj ls vius rdZ ds leFkZu esa New India Assurance Co. Ltd. Vs. // 10 // Ishwar Singh Rathore II (2015) CPJ 28 (NC), Iffco Tokio General Insurance Co. Ltd. Vs. Gaurav Bhargava II (2015) CPJ 196 (NC), United India Insurance Co. Ltd. Vs. D.A.V. Centenary Public School & Anr III (2015) CPJ 227 (NC), ,oa Sandeep Kumar Vs. Iffco Tokio General Insurance Company Ltd. & Anr. II (2014) CPJ 505 (NC) dk voyacu fy;k gSA 12- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh lat; frokjh dk ;g rdZ gS fd pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk vkSj Hkys gh fu/kkZfjr lhek ls vf/kd O;fDr okgu esa cSBs Fks] mlds vk/kkj ij ;g ugha dgk tk ldrk fd mRrjoknh@ifjoknh us chek 'krksZa dk mYya?ku fd;k gS vkSj blfy, mRrjoknh@ifjoknh vekud ¼Non Standard Basis½ vk/kkj ij {kfriwfrZ ikus dk vf/kdkjh gSA ftyk Qksje us mfpr :Ik ls {kfriwfrZ jkf'k iznku fd;k gSA vr% vihykFkhZ@vukosnd ba';ksjsal daiuh dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 13- geus mHk;i{k ds fo)ku vf/koDrkvksa dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 14- loZizFke ;g ns[kuk gS fd D;k okLro esa iz'uk/khu okgu ds pkyd ds ikl nq?kZVuk fnukad dks oS/k ,oa izHkkoh MªkbZfoax ykbZlsal Fkk\ mRrjoknh@ifjoknh dh vksj ls pkyd uan jke lksuh ds MªkbZfoax ykbZlsal dh Nk;kizfr izLrqr fd;k x;k gSA mDr MªkbZfoax ykbZlsal essa okgu dh Js.kh ,y-,e-Ogh-@eksVj lkbZfdy foFk fx;j dh fnukad&28-08-2009 ls fnukad&27-08-2029 rd ds fy, oS/k gksuk n'kkZ;k x;k gS vkSj ftls ukWu // 11 // VªkaliksVZ Oghdy ds fy, fnukad&27-08-2029 rd ds fy, oS/k gksuk crk;k x;k gS vkSj VªkaliksVZ ds fy, Valid Till fy[kk gqvk gSA 15- vc ;g ns[kuk gS fd D;k fdlh O;fDr ds ikl ,y- ,e- Ogh- pykus dk MªkbZfoax ykbZlsal gS ml MªkbZfoax ykbZlsal ds vk/kkj ij LGV ¼Light Goods Vehicle½ dks pykus ds fy, l{ke gS\ mRrjoknh@ifjoknh us vius ifjokn&i= dh dafMdk&1 esa ;g dFku fd;k gS fd og gYdk eky okgu ;ku efgUnzk ,aM efgUnzk daiuh dk dz; fd;k Fkk tks fd vihykFkhZ@vukosnd ba';ksjsal daiuh ds ikl chfer FkkA mRrjoknh@ifjoknh dh vksj ls lfVZfQdsV vkWQ jftLVªs'ku tks is'k fd;k x;k gS mlesa okgu dh Js.kh esa LGV ¼Light Goods Vehicle½ fy[kk gqvk gSA 16- /kkjk&2 ¼14½ esa eky okgu dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj%& ¼14½ **eky okgu** ls ,slk dksbZ eksVj ;ku vfHkizsr gS tks dsoy eky <ksus ds fy, fufeZr ;k vuqdwfyr gS ;k ,slk dksbZ eksVj ;ku Hkh] tks ,sls fufeZr ;k vuqdwfyr ugha gS] ml n'kk esa vfHkizsr gS tcfd mldk mi;ksx eky <ksus esa fd;k tkrk gSA rFkk /kkjk&2 ¼21½ esa gYdk eksVj ;ku dks ifjHkkf"kr djrs gq, crk;k x;k gS fd%& ¼21½ **gYdk eksVj ;ku** ls vfHkizsr gS ,slk dksbZ ifjogu ;ku ;k cl ftlesa ls fdlh dk ldy ;ku Hkkj] ,slh eksVj dkj ;k VªSDVj ; jksM&jksyj ftlesa ls fdlh dk ynku jfgr Hkkj] 7]500 fdyksxzke ls vf/kd ugha gSA // 12 // vkSj e/;e eky ;ku ds laaca/k esa /kkjk&2 ¼23½ esa crk;k x;k gS fd%& ¼23½ **e/;e eky ;ku** ls gYds eksVj ;ku ;k Hkkjh eky ;ku ls fHkUu dksbZ eky okgu vfHkizsr gSA 17- lfVZfQdsV vkWQ jftLVªs'ku ls Li"V gS fd okgu dzekad&lh-th- 13 Mh@3416 dk ynku jfgr Hkkj 1400 fdyks xzke vkSj ynku lfgr Hkkj 2300 fdyks xzke gS rFkk lfVZfQdsV vkWQ jftLVªs'ku ,oa ba';ksjsal ikWfylh ds ifj'khyu ls Li"V gS fd dfFkr okgu LGV ¼Light Goods Vehicle½ ds varxZr vkrk gSA pkyd uanjke lksuh dk MªkbZfoax ykbZlsal dh Nk;kizfr izLrqr fd;k x;k gS mlds vuqlkj og LMV ¼Light Motor Vehicle½ dks pykus ds fy, l{ke Fkk tcfd iz'uk/khu okgu LGV ¼Light Goods Vehicle½ gSA bl izdkj pkyd uanjke lksuh ds ikl tks MªkbZfoax ykbZlsal Fkk og LMV ¼Light Motor Vehicle½ dk Fkk u fd LGV (Light Goods Vehicle) pykus dkA 18- ICICI Lombared General Insurance Co. Ltd. Vs. Mainuddin, I (2015) CPJ 328 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8.
State Consumer Disputes Redressal Commission Cites 16 - Cited by 0 - Full Document

Hdfc Ergo General Insurance Co.Ltd. vs Govardhan Lakda & Anr. on 14 March, 2016

vihykFkhZ dh vksj ls Jh fnus'k oekZ] vf/koDrkA mRrjoknh dzekad&1 dh vksj ls Jh lw;Zdkar 'kekZ] vf/koDrkA mRrjoknh dzekad&2 vuqifLFkrA vkns'k fnukad% 14@03@2016 n~okjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd dz-1 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] ljxqtk&vfEcdkiqj ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&2014@84 xkso/kZu ydM+k fo:) // 2 // ,p- Mh- ,Q- lh- bxksZ tujy ba';ksjsla daiuh fyfeVsM ,oa ,d vU; esa ikfjr vkns'k fnukad&28-02-2015 ftlds }kjk mRrjonh dz-1@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- vukosnd dzekad&1 ,p- Mh- ,Q- lh- bZ- vkj- th- vks- tujy ba';ksjal daiuh fyfeVsM] NBoha eafty] yhyk fctusl ikdZ] va/ksjh dq.Myk jksM] va/ksjh bZLV eqEcbZ] 400059] iSarkyhl fnol ds Hkhrj ifjoknh dks okgu ejEer dh jkf'k&99]222@&¼fuU;kucs gtkj nks lkS ckbZl :Ik;s½] ekufld O;Fkk gsrq 2]000@&¼nks gtkj :Ik;s½ dqy&1]01]222@&¼,d yk[k ,d gtkj nks lkS ckbZl :Ik;s½ rFkk mDr jkf'k ij 06 izfr'kr okf"kZd C;kt dh nj ls C;kt lfgr lank; dj nsosaA 2- bl okn ds O;; vukosnd dzekad&1 Lo;a ds rFkk ifjoknh ds Hkh O;; 2]000@&¼nks gtkj :Ik;s½ ogu djsxk] ftlesa vf/koDrk 'kqYd Hkh 'kkfey gSA 3- vukosnd dzekad&2 ds izfr ifjoknh dk ifjokn izekf.kr u gksus ls fujLr fd;k tkrk gSA 4- izdj.k dh ifjfLFkfr;ksa esa vukosnd dzekad&2 viuk O;; Lo;a ogu djsA** Lks nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh dz-1@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj gS fd mRrjoknh dz-1@ifjoknh us mRrjoknh dz- 2@vukosnd dz-2 ls Qk;uasl ds ek/;e ls VkVk eSftd okgu dz; fd;k Fkk vkSj vihykFkhZ@vukosnd dz-1 ls xqM~l dSfjax Oghdy ikWfylh ds rgr vius mDr okgu dzekad&lh-th- 15 ,-lh-@1988 dk chek fnukad&23-11-2013 ls fnukad&22-11-2014 rd djk;k Fkk ftldk // 3 // ikWfylh dzekad&2315200624251000000 gSA mDr okgu fnukad&09-03- 2014 dks xzke pkaph] Fkkuk jktiqj ds ikl nq?kZVukxzLr gks x;k ftlls okgu dks cgqr uqdlku gqvk ftldh fof/kor~ lwpuk ,oa leLr nLrkost mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls vihykFkhZ@vukosnd dz-1 dks nh xbZ fdUrq vihykFkhZ@vukosnd dz-1 }kjk u rks {kfriwfrZ dk Hkqxrku fd;k x;k vkSj u gh nkok ds laca/k esa dksbZ tkudkjh nh xbZ rc mRrjoknh dz-1@ifjoknh }kjk vius vf/koDrk ds ek/;e ls fnukad&26- 06-2014 dks oS/kkfud lwpuk&i= izsf"kr fd;k ftldk tokc vihykFkhZ@vukosnd dz-1 }kjk fn;k x;k vkSj dgk x;k fd pwafd nq?kZVuk fnukad dks MªkbZoj ds ikl oS/k ykbZlsal ugha Fkk blfy, {kfr jkf'k vnk djus ls badkj dj fn;k x;k ftlds dkj.k mRrjoknh dz-1@ ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA 03- vihykFkhZ@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr dj ;g vfHkopu fd;k x;k gS fd gYdk eky okgd okgu dzeakd&lh-th- 15 ,-lh-@1988 chek ikWfylh ds 'krksZa ds rgr mRrjoknh dz-1@ifjoknh ds uke ls fnukad&23-11-2013 ls 22-11- 2014 rd vihykFkhZ@vukosnd dz-1 ds ikl chfer gSA nq?kZVuk dh lwpuk izkIr gksrs gh vihykFkhZ@vukosnd dz-1 }kjk okgu dks gqbZ {kfr dk vkadyu losZ;j Jh vfu:) izrki flag ls djk;k x;k ftUgksaus okgu dh {kfr dk vkadyu 1]32]296@&¼,d yk[k cRrhl gtkj nks lkS fN;kucs :Ik;s½ fd;k gS vkSj mDr jde okLrfod {kfr jde gS] ijUrq mRrjoknh dz-1@ifjoknh }kjk chek ikWfylh dk ?kksj mYya?ku fd;k x;k gSA ,slh fLFkfr esa mRrjoknh dz-1@ifjoknh losZ;j }kjk vkadfyr {kfr jde izkIr djus dk vf/kdkjh ugha gSA chfer okgu gYdk eky okgu gS ftls nq?kZVuk ds le; pkyd Hkojk ,Ddk pyk jgk Fkk ftlds ikl chfer okgu dks pykus gsrq oS/k ,oa izHkkoh vuqKfIr pkyd ugha Fkk vkSj // 4 // mijksDr dkj.k ls mRrjoknh dz-1@ifjoknh dk nkok vihykFkhZ@ vukosnd dz-1 }kjk chek ikWfylh ds mYya?ku ds dkj.k fujLr fd;k x;k gSA mRrjoknh dz-1@ifjoknh] vihykFkhZ@vukosnd dz-1 ls fdlh Hkh izdkj dk jde izkIr djus dk vf/kdkjh ugha gS vkSj mRrjoknh dz- 1@ifjoknh dk nkok pyus ;ksX; ugha gSA losZ;j fjiksVZ ds ifjizs{; esa xaHkhj uqdlku dk iz'u gh mRiUu ugha gksrk gSA vr% mRrjoknh dz- 1@ifjoknh dk ifjokn fujLr fd;k tkosA 04- mRrjoknh dz-2@vukosnd dz-2 ftyk Qksje ds le{k uksfVl rkehyh ds ckn Hkh vuqifLFkr Fkk vkSj mldh vksj ls dksbZ fyf[kr dFku ,oa lk{; izLrqr ugha gSA 05- mRrjoknh dz-1@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k :[lkj jsfM;sVj ,.M ckWMh fcYMlZ dk fcy fnukad&14- 06-2014] chek ikWfylh] lfVZfQdsV vkWQ jftLVªs'ku] lfVZfQdsV vkWQ fQVusl] jftLVªs'ku lfVZfQdsV fMVsYl] VSDl buokbZl fnukad&13-06- 2014] vf/koDrk uksfVl dk tokc] vf/koDrk uksfVl fnukad&26-06-2014] izFke lwpuk izfrosnu fnukad&09-03-2014 RkFkk Hkojk ,Ddk dk MªkbZfoax ykbZlsal dh QksVks dkih izLrqr fd;k gSA 06- vihykFkhZ@vukosnd dz-1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k mRrjoknh dz-1@ifjoknh dks izsf"kr i= fnukad&30-04- 2014] losZ;j fjiksVZ fnukad&31-03-2014] chek ikWfylh] Hkojk ,Ddk dk MªkbZfoax ykbZlsal] lfVZfQdsV vkWQ fQVusl rFkk vf/koDrk uksfVl dk tokc dh QksVks dkih izLrqr fd;k gSA // 5 // 07- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ mRrjoknh dz-1@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gSA 08- vihykFkhZ@vukosnd dz-1 ,p- Mh- ,Q- lh- bxksZ tujy ba';ksjsal daiuh fyfeVsM dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh fnus'k oekZ dk ;g rdZ gS fd nq?kZVuk fnukad dks mRrjoknh dz- 1@ifjoknh ds okgu pkyd ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA ftl le; nq?kZVuk dkfjr gqvk gS ml le; pkyd HkkSajk ,Ddk ek= eksVj lkbZfdy ,oa Light Goods Vehicle okgu pykus gsrq vf/kd`r Fkk tcfd chfer okgu VªkaliksVZ okgu gS vkSj ftlds fy, pkyd ds MªkbZfoax ykbZlsal esa fdlh izdkj dk dksbZ i`"Bkadu ;k bUnzkt ugha Fkk vkSj bl izdkj nq?kZVukxzLr okgu dks ,sls pkyd }kjk pyk;k tk jgk Fkk tks fd oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha j[krk FkkA ,slh fLFkfr esa mRrjoknh dz-1@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS blfy, mRrjoknh dz-1@ifjoknh fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gS vkSj vihykFkhZ@vukosnd dz-1 }kjk nkos dks vekU; dj fdlh izdkj ls lsok esa dksbZ deh ugha dh xbZ gS] ijUrq ftyk Qksje us bu rF;ksa dks vuns[kk djrs gq, vkns'k ikfjr fd;k gSA vr% vihykFkhZ@vukosnd dz-1 dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vihykFkhZ@vukosnd dz-1 dh vksj ls bl laca/k esa ekuuh; loksZPp U;k;ky; ds flfoy vihy dzekad&5539@2007 U;w bafM;k ,';ksjsal daiuh fyfeVsM fo:) izHkq yky vkns'k fnukad&30-11-2007 ,oa ekuuh; jk"Vªh; vk;ksx }kjk iqujh{k.k ;kfpdk dzekad&579@2013 fn vksfj,.Vy ba';ksjsal daiuh ,oa nks vU; fo:) lhek esa ikfjr vkns'k fnukad&06-05-2014 dk voyacu fy;k gSA // 6 // 09- mRrjoknh dz-1@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lw;Zdkar 'kekZ dk ;g rdZ gS fd mRrjoknh dz-1@ifjoknh dk okgu gYdk eky okgu gS rFkk pkyd ds ikl Light Motor Vehicle pykus dk MªkbZfoax ykbZlsal Fkk vkSj ,slh fLFkfr esa og Light Goods Vehicle pykus esa le{k Fkk vkSj ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gSA ftyk Qksje ds vkns'k esa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% vihykFkhZ@vukosnd dz-1 dh vihy fujLr fd;k tkosA ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 10- uksfVl rkehyh ds ckn Hkh mRrjoknh dz-2@vukosnd dz-2 dh vksj ls dksbZ milatkr ugha gq, gaSA 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;kA 12- ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&7 esa ;g fu"d"kZ fudkyk gS fd **pkyd HkkSajk ,Ddk ds ikl mDr VªkaliksVZ gYdk eky okgd ;ku dks pykus ds fy, oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk] cfYd ek= eksVj lkbZfdy ,oa gYdh eksVj ;ku pykus dk gh ykbZlsal Fkk] mijksDr rdZ ,oa vfHkopuksa dk [k.Mu vkosnd }kjk ugha fd;k x;k gSA vkosnd }kjk izLrqr MªkbZfoax ykbZlasl dh QksVks dkih esa ifjogu ;ku ;k gYdk eky okyd ;ku pykus dk dksbZ banzkt ugha gS] cfYd pkyd HkkSajk ,Ddk gYdh eksVj ;ku ,oa eksVj lkbZfdy foFk xs;j pykus ds fy, izkf/kd`r gSA ifjoknh }kjk izLrqr viuh okgu ds iath;u izek.k&i= esa Hkh ifjoknh ds okgu dk gYdk eky okgd ;ku gksus dk mYys[k gS vkSj mldk vkj- Vh- vks- vfEcdkiqj ls fQVusl izek.k&i= Hkh izkIr fd;k x;k gSA vr% ifjoknh dk okgu gYdk eky okgd ;ku gS] rc mlds // 7 // pkyd ds pkyu vuqKfIr esa ifjogu ;ku ;k gYdk ifjogu ;ku pykus dk banzkt ugha gksus ls chek ikWfylh dk mYya?ku gksuk izekf.kr gSA** 13- ftyk Qksje us ;g ekuk gS fd pkyd HkkSajk ,Ddk ds ikl nq?kZVuk fnukad dks iz'uk/khu okgu dks pykus ds fy, dksbZ oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk vkSj mDr fu"d"kZ ds fo:) mRrjoknh dz- 1@ifjoknh }kjk fdlh izdkj dh dksbZ vihy lafLFkr ugha fd;k x;k gS ijUrq ftyk Qksje us vius vkns'k dh dafMdk&8 ,oa 9 esa ;g fu"d"kZ fudkyk gS fd **MªkbZfoax ykbZlsal esa gYdk ifjogu ;ku pykus dk banzkt ugha gksus dk gh mYya?ku gS] ,slh fLFkfr esa ifjoknh dk nkok izdj.k iw.kZr% fujLr djuk U;k;ksfpr ugha Fkk** vkSj vekud (Non Standare Basis) vk/kkj ij {kfriwfrZ fnyk;s tkus dk vkns'k ikfjr fd;k gSA 14- vc ;g ns[kuk gS fd D;k mRrjoknh dz-1@ifjoknh ds pkyd HkkSajk ,Ddk ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha gksus ij Hkh mRrjoknh dz-1@ifjoknh vekud (Non Standare Basis) vk/kkj ij {kfriwfrZ dh jkf'k izkIr djus dk vf/kdkjh gS\ 15- ICICI Lombared General Insurance Co. Ltd. Vs. Mainuddin, I (2015) CPJ 328 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8.
State Consumer Disputes Redressal Commission Cites 8 - Cited by 0 - Full Document
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