United India Insurance Co.Ltd. vs Vijaynath & Ors. on 12 March, 2019
i{kdkjksa ds vf/koDrk
vihykFkhZ dh vksj ls Jh ih-ds-iky vf/koDrk A
// 2 //
mRrjoknh Øekad&1 dh vksj ls Jh fo|kuan jktiwr vf/koDrk A
mRrjoknh Øekad&2 ]3 ,oa 4 dh vksj ls Jh vk'kh"k JhokLro vf/koDrk A
vkns'k
fnukad% 12 @ 03@2019
}kjk%&ekuuh; Jhefr :fp xks;y ]lnL;k
vihykFkhZ@vukosnd Øekad&1 us ;g vihy /kkjk&15 miHkksDrk
laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k
Qksje] txnyiqj ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr
fd;k tk,xk½ ds ifjokn izdj.k Øekad&lh-lh-@24@2016 esa ikfjr
vkns'k fnukad&28-07-2018 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd
:i ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd %&
1- ifjoknh vukosn d Øekad &1 chek dai uh ls mlds
LokfeRo dh okgu rosj k lso jysV C.G.-17-D-0895 ds
{kfrxzL r gksu s ij {kfrjkf'k :-4]50]000@&¼pkj yk[k
ipkl gtkj :i,½ izk Ir djus dk vf/kdkjh gS A vr%
vukosn d Øekad &1 chek dai uh vkosn d dks mDr {kfr
jkf'k vkns' k fnukad ls 30 fnu ds van j izn ku djsa A
2- vkosn d ekufld {kfr jkf'k :- 10]000@&¼nl
gtkj :i,½ vukosn d Øekad &1 chek dai uh ls izk Ir
djus dk vf/kdkjh gS A vr% vukosn d Øekad &1 chek
dai uh vkosn d dks mDr {kfr jkf'k vkns' k fnukad ls 30
fnu ds van j izn ku djsa A
// 3 //
3- vukosn d Øekad &1 ds }kjk fu;r vof/k esa
{kfriwfrZ jkf'k izn ku ugha fd;k tkrk gS ] rks mDr jkf'k
ij vkns' k fnukad ls Hkqxrku frfFk rd 9 izfr'kr
lk/kkj.k okf"kZd C;kt ns; gksxk A
4- ifjoknh dk ifjokn O;; :- 2000@&¼nks gtkj
:i,½ vukosn d Øekad &1 vius ifjokn O;; ds lkFk
ogu djsxk A vukosn d Øekad &2 ls 4 viuk ifjokn
O;; Loa; ogu djsax s A
ls nqf[kr gksdj izLrqr fd;k gS A
02- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj
jgk gS fd ifjoknh us vukosnd chek laLFkku ls viuh okgu Vosjk
lsojysV C.G.-17-D-0895 dks vukosnd dh daiuh ls fof/kor~ fnukad&
18-01-2011 dks chek djok;k Fkk A :- 16]000@& ¼lksyg gtkj :i,½
chek fizfe;e dk Hkqxrku vukosnd dks fd;k x;k gS A ftldh ikWfylh
uacj 19051@31@10@01@00012753 gS rFkk ;g fnukad 19-01-2011 ls
18-01-2012 rd ds fy, oS/k Fkk A ifjoknh dks mDr okgu fnukad&
11-01-2011 dks N.H.43 tVk;qVsdjh ds ikl Qjlxkao vkSj chjxkao ds
e/; nq?kZVukxzLr gks xbZ Fkh ] ftldh fjiksVZ ij Fkkuk Qjlxkao dh
iqfyl us vijk/k Øekad&02@11 varxZr /kkjk&279 ] 337 Hkk-n-fo- ds
rgr~ ekeyk iathc) dj mijksDr okgu dks ?kVukLFky ls tCr dj Fkkuk
ds izkax.k esa [kM+k dj j[kk gqvk Fkk A fnukad&26-01-2011 dks xzke
// 4 //
Qjlxkao esa vU; nq?kZVuk ls vkØksf'kr gksdj 300&400 yksx Fkkuk ds
izkax.k ds njoktk ds pSu dks rksM+ dj vanj ?kql x;s rFkk rksM+&QksM+
djrs gq, Fkkuk esa [kM+h vU; okguksa dks feV~Vh dk rsy Mkydj tykus
yxs A mDr ?kVuk esa vkosnd dh okgu dks feV~Vh dk rsy Mkydj tyk
fn;k ] ftlls ifjoknh dk okgu Vosjk iwjh rjg ls tydj u"V gks
x;h A bl ?kVuk dh fjiksVZ Fkkuk Qjlxkao }kjk ntZ djok;k x;k ] tks
fd vijk/k Øekad&05@11 varxZr /kkjk&147] 148 ]149 ] 395 ]353] 436
Hkk-n-fo- rFkk 3] 4 yksd laifRr {kfr fuokj.k vf/kfu;e ds rgr~ iathc)
fd;k x;k gS A ifjoknh us vius mijksDr okgu Vosjk ds tyk fn;s tkus
ls vkfod ds fu;ekuqlkj vukosnd daiuh ls mijksDr okgu dh chek
jkf'k : 8]50]000@&¼vkB yk[k ipkl gtkj :i,½ dh ekax fd;k] fdarq
vukosnd dh daiuh ds }kjk ifjoknh dks fujarj ?kqek;k tkrk jgk rFkk
fnukad&16-12-2011 dks ifjoknh dks {kfr jkf'k dk Hkqxrku djus ls ^ uks
Dyse * dk i= tkjh dj Dyse chek jkf'k ds Hkqxrku dks nsus ls Li"V
euk dj fn;k ] ftl dkj.k ifjoknh us LFkkbZ ,oa fujarj yksd vnkyr
¼tu mi;ksxh lsok,a½ txnyiqj ds le{k vkosnu is'k fd;k Fkk ] ftls
U;k;ky; }kjk izdj.k Øekad&58@12 esa ntZ fd;k tkdj fnukad&09-04-
2014 dks vukosnd ds dFku ij Dyse ij fopkj dj jkf'k Hkqxrku djus
vknsf'kr fd;k x;k Fkk ] fdarq vukosnd ds }kjk ckj&ckj fuosnu fd;s
tkus ds mijkar Hkh Dyse lsVy ugha fd;s tkus ds ckn iqu% LFkkbZ ,oa
fujarj yksd vnkyr ¼tu mi;ksxh lsok,a½ txnyiqj ds le{k ifjoknh
ds }kjk vkosnu is'k fd;k x;k ] tgka ls U;k;ky; ds }kjk mfpr Qksje
// 5 //
esa vkns'k fn;k x;k LFkkbZ ,oa fujarj yksd vnkyr ¼tu mi;ksxh lsok,a½
txnyiqj ds le{k ds iwoZ esa ikfjr vkns'k dk mYya?ku djus ds dkj.k
;g okn U;k;ky; esa is'k djuk iM+k A ifjoknh dk mijksDr okgu chek
vof/k ds e/; esa okgu ds nq?kZVukxzLr ¼tyk½ fn;s tkus ds dkj.k
vukosnd daiuh dks fof/kor~ lwpuk nsus ds mijkar Hkh vukosnd chek
daiuh }kjk chek 'krZ ds vuqlkj okgu nq?kZVuk ds dkj.k gqbZ {kfr/ku dk
Hkqxrku ugha djuk ] vukosndx.k dk O;olkf;d nqjkpj.k dh Js.kh eas
vkrk gS A ftlds dkj.k ifjoknh dks ifjokn ykus dh vko';drk iM+h
gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkos A
03- ftyk Qksje ds le{k vukosnd Øekad&1 dk fyf[kr dFku bl
izdkj jgk gS fd vkosnd dh Vosjk lsojysV C.G.-17-D-0895 dks
fnukad&11-01-2011 dks jk"Vªh; jktekxZ Øekad&43 tVk;qVsdjh ds ikl
Qjlxkao vkSj chjxkao ds e/; nq?kZVukxLr gks xbZ vkSj Fkkuk Qjlxkao
dh iqfyl us vijk/k Øekad&02@11 varxZr /kkjk&279 ] 337 Hkk-n-fo- ds
rgr~ ekeyk iathc) dj mijksDr okgu dks ?kVukLFky ls tCr dj
fy;k Fkk A bl izdkj ?kVuk fnukad 11-01-2011 dks vkosnd dh mDr
okgu nq?kZVuk esa {kfrxzLr gks x;h Fkh vkSj nq?kZVuk fnukad 11-01-2011 dks
ifjoknh dh okgu chfer ugha Fkh vkSj nq?kZVuk fnukad&11-01-2011 ds
ckn mDr okgu dk dCtsnkj Lokeh ifjoknh ugha Fkk A vkosnd
fnukad&19-01-2011 dks dCtsnkj Lokeh u gksrs vkSj nq?kZVuk fnukad&
11-01-2011 dks nq?kZVuk esa {kfrxzLr okgu ds rF; dks Nqikrs gq, rFkk
// 6 //
/kks[kk/kM+h dk d`R; dj vukosnd ds jk;iqj fLFkr dk;kZy; ls chek
ikWfylh Øekad&190501@31@10@01@00012753 chek vof/k
fnukad&19-01-2011 ls fnukad&18-01-2012 rd izkIr fd;k A pwafd
vkosnd us vukosnd dks mDr rF; dh tkudkjh fn;k gksrk rks vukosnd
chek daiuh vkosnd dh okgu dk chek ugha djrh A pwafd vkosnd us
fo'ks"k rF; (Material Fact) dks Nqikdj vkSj vukosnd ds lkFk /kks[kk/kM+h
dk d`R; dj mDr okgu dk chek djok;k Fkk ] bl dkj.k ls okgu dk
chek izkjaHk ls gh 'kwU; gS A vr% vkosnd }kjk eksVj okgu vf/kfu;e rFkk
chek ikWfylh dh 'krZ ,oa lafonk dk Li"V mYya?ku djus ds dkj.k okgu
dk chek Loeso fu"izHkkoh gks tkrk gS A bl dkj.k ls vkosnd {kfriwfrZ
dh jkf'k vukosnd chek daiuh ls ikus dk vf/kdkjh ugha gS A vr% okn
dkj.k fnukad&11-01-2011 dks mRiUu gks x;k Fkk ] bl dkj.k ls mDr
vkosnu&i= dks izLrqr djus dk dksbZ okn dkj.k ifjoknh dks izkIr ugha
gS A pwafd ifjoknh dh mDr okgu nq?kZVuk fnukad&11-01-2011 dks
chekd`r ugha Fkh ] bl dkj.k ls ifjoknh }kjk mDr okgu dks lqiqnZukesa
ij fy;s tkus gsrq U;k;ky; esa dksbZ vkosnu izLrqr ugha fd;k x;k A
ifjoknh txnyiqj ftyk cLrj dk fuoklh gS A ifjoknh dk mDr okgu
Øekad& C.G.-17-D-0895 ij okgu tIrh fnukad&11-01-2011 ls dksbZ
dCtk ,oa vkf/kiR; ugha Fkk A ifjoknh us tku&cw>dj mDr {kfrxzLr
okgu ds laca/k esa okgu dk chek djkrs le; fof'k"V :i ls vukosnd
chek daiuh dks tkudkjh ugha fn;k vkSj chek daiuh ds lkFk diViwoZd
/kks[kk/kM+h dk d`R; dj okgu dk chek djkus esa lQy gks x;k tks fd
// 7 //
eksVj okgu vf/kfu;e rFkk chek ikWfylh 'krZ ds vuqlkj ikWfylh ewyr%
'kwU; Fkh A ifjoknh us ?kVuk fnukad&26-01-2011 dks Qjlxkao Fkkus esa
gqbZ ?kVuk dh tkudkjh vukosnd chek daiuh ds txnyiqj fLFkr
dk;kZy; ;k vU; dk;kZy; esa ugha nh vkSj vukosnd chek daiuh ds
'kk[kk dk;kZy; jk;iqj esa ebZ ekg ds vafre lIrkg esa fnukad&23-05-2011
dks lwpuk nh ] rkfd chek daiuh dks lgh tkudkjh u gks lds A
ifjoknh us vukosnd chek daiuh dks ?kVuk fnukad&26-01-2011 ,oa
fnukad&11-01-2011 ds laca/k esa vfoyac lwpuk uk nsdj chek daiuh dks
LFky fujh{k.k ,oa lgh tkudkjh tqVkus ls oafpr fd;k gS rFkk ?kVuk dh
lwpuk fnukad&23-05-2011 dks fn;s tkus ,oa chek daiuh dk i=
fnukad&07-06-2011 feyus ds ckn Hkh ifjoknh us chek daiuh dks okgu ls
lacaf/kr nLrkost ] eksVj nkok izi= rFkk okgu esa vk;h {kfr ds laaca/k esa
bLVhesV ugha fn;k ] bl dkj.k ls vukosnd chek daiuh }kjk i=
Øekad&190501@36@11 fnukad&16-12-2011 ds ek/;e ls dkj.k n'kkZrs
gq, nkok QkbZy can dj ^^uks&Dyse^^ dh lwpuk ifjoknh dks nh xbZ Fkh A
ifjoknh us U;k;ky; ds vkns'k fnukad&09-04-2014 ikyu esa Hkh chek
daiuh dks okgu dk bLVhesV cuokdj ugha fn;k gS A mDr okgu Fkkuk
Qjlxkao iqfyl foHkkx N-x- 'kklu ds dCts ,oa vkf/kiR; esa Fkh ]
ftldk nkf;Ro Fkk fd og okgu dks [kqys LFkku esa ugha j[krk A N-x-
'kklu ,oa vukosnd chek daiuh ds e/; fdlh izdkj dh lafonk okgu ds
laaca/k esa ugha Fkh ] bl dkj.k ls {kfriwfrZ dh iwjh ftEesnkjh iqfyl foHkkx
N-x- 'kklu dh gS A mDr okgu dh {kfr Fkkuk Qjlxkao iqfyl foHkkx
// 8 //
N-x- 'kklu ds dCts ,oa vkf/kiR; esa gqbZ Fkh ] bl dkj.k ls mDr
izdj.k ds fujkdj.k gsrq iqfyl foHkkx N-x- 'kklu Hkh vko';d i{kdkj ]
ftUgsa i{kdkj cuk;k tkuk vko';d gS A vr% vko';d i{kdkj ds vHkko
esa ifjoknh dk izdj.k izpyu ;ksX; ugha gS A ifjoknh dk ifjokn lO;;
fujLr fd;s tkus ;ksX; gS ] vr% ifjokn fujLr fd;k tkos A
04- ftyk Qksje ds le{k vukosnd Øekad&2 ] ,oa 4 us fyf[kr dFku
izLrqr djrs gq, mDr okgu vukosnd Øekad&1 chek daiuh esa chekd`r
jgus dks vLohdkj fd;k x;k gS A blh rjg ls mDr okgu dh
nq?kZVukxzLr gksus o Fkkus esa [kM+h jgus ds njE;ku mDr okgu dks tyk
fn;s tkus dks Hkh vLohdkj fd;k x;k gS A nq?kZVuk i'pkr~ Fkkuk
Qjlxkao esa fjiksVZ ntZ djk;s tkus ij vijk/k iathc) fd;k x;k Fkk A
mDr rF; dks Lohdkj djrs gq, vkosnu esa n'kkZ;s vU; rF;ksa dks
vLohdkj fd;k gS ,oa fo'ks"k dFku esa ;g crk;k x;k gS fd fnukad&
11-01-2011 dks okgu Øekad&17 Mh@0895 nq?kZVukxzLr gqbZ Fkh nq?kZVuk
okgu rstxfr ,oa ykijokghiwoZd pykus ds dkj.k gqbZ Fkh ] ftlds dkj.k
mDr okgu Qjlxkao Fkkus esa tIr Fkh A blds yxHkx 15 fnu ckn
fnukad&26-01-2011 dks 8-40 cts x.kra= fnol ds dk;ZØe ds nkSjku
jksM nq?kZVuk esa ,d Nk= dh e`R;q gks xbZ Fkh ] ftldh lwpuk ij Fkkuk
LVkQ ekSds ij jokuk gq, Fks vkSj blh nkSjku Fkkuk ifjlj ds vanj
300&400 yksx gfFk;kjksa dks yssl gksdj Fkkuk ifjlj esa izos'k fd;s Fks vkSj
,DlhMsaV ds vkjksih ds pkyd lqjs'k dqekj eaMkoh dks HkhM+ dh lqiqnZ
// 9 //
djus dh dke djrs gq, vR;ar vkØks'k ,oa vkos'k esa ifjlj esa 'kkldh;
laifRr dks rksM+QksM+ djus yxs Fks vkSj blh njE;ku HkhM+ esa ls mUgha yksx
esa ls fdlh ds }kjk feV~Vh rsy ls Fkkus ds lkeus j[kh tIr dh xbZ
xkfM+;ksa Vosjk] cksysjks] bafMdk] 407 ] lqtqdh eksVj lk;fdy ] ghjksgks.Mk
LisysaMj vkfn dbZ ,slh xkfM+;ka rksM+QksM+ dj {kfrxzLr dh xbZ Fkh A pwafd
bl f'kdk;r esa Vosjk okgu Øekad&17 Mh@0895 Hkh {kfrxzLr gqbZ Fkh A
pwafd ;g okgu chekd`r Fkh ] ftldh ftEesnkjh chek daiuh dh gksrh gS ]
blesa vukosnd Øekad&2 ls 4 dh dksbZ ftEesnkjh ugha gS A ifjoknh dks
chek jkf'k :-8]50]000@&¼vkB yk[k ipkl gtkj :i,½ nsus gsrq
vukosnd Øekad&2 ls 4 mRrjnk;h ugha gS A mls vuko';d :i ls
lafyIr fd;k x;k gS ] blfy, izdj.k lO;; fujLr fd;k tkos A
05- ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k
lwph vuqlkj nLrkost izLrqr fd;k x;k gS A
06- vukosnd Øekad&1 dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k lwph vuqlkj nLrkost izLrqr fd;k x;k gS A
07- vukosnd Øekad&2 dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k dksbZ nLrkost izLrqr ugha fd;k x;k gS A
08 ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr vfHkopu ,oa nLrkosth
lk{;ksa ds ifj'khyu Ik'pkr~ ifjoknh ds ifjokn dks vkaf'kd :i ls
Lohdkj fd;k x;k gS ] ftlds fo:) ;g vihy gSA
// 10 //
09- vihykFkhZ@vukosnd Øekad&1 dh vksj ls milatkr gksus okys
fo}ku vf/koDrk Jh ih-ds-ikWy dk ;g rdZ gS fd ftyk Qksje us ;g
le>us esa xaHkhj =qfV fd;k gS fd ifjoknh dh vksj ls izLrqr fd;s x;s
^ifjokn&i=^ esa bl ckr ds fy, Li"V dFku n'kkZ;k x;k gS fd okgu
dh tyus ls {kfr gksus ds le; mDr okgu iqfyl Fkkuk&Qjlxkao ]
ftyk dks.Mkxkao ds vkf/kiR; esa Fkk A mDr dFku dh laLohd`fr fo:)
i{kdkj Øekad&2 ] 3 ,oa 4 us Hkh tokcnkok izLrqr dj fn;k gS fd
fnukad&11-01-2011 dks nq?kZVuk gksus ds ckn iqfyl Fkkuk ifjlj esa mDr
okgu tIr dj j[kk x;k Fkk ] rc fnukad&26-01-2011 dks gfFk;kjksa ls
ySl O;fDr;ksa ds }kjk vU;kU; okguksa dks tykus ds lkFk mDr okgu dks
tykdj {kfrxzLr fd;k x;k gS ] bl rjg ikfj.kkfed {kfr ds fy, chek
daiuh ds fo:) nkok vLohdkj ;ksX; Fkk ] D;ksafd ,rn~ gsrq chek lafonk
esa i;kZIr 'krZ n'kkZ;s x, gSa A ifjoknh ds }kjk chek dk;kZy; esa izLrqr
eksVj nkok izi= esa mDr dFku dk foyksiu dj {kfr lalwpuk yxHkx 5
ekg foyac ls iznku fd;k x;k gS ] ifjoknh dk mDr dk;Z Hkh chek
lafonk dk mYya?ku gS ] D;ksafd chek lafonk 'krksZa ds vuqlkj fdlh Hkh
nkos ds fy, laiw.kZ vkSj Rofjr tkudkjh nsus dk dRrZO; chek/kkjd dk
gS ] ftlls og foeqDr ugha gks ldrk gS A bl laca/k esa Hkh i;kZIr fopkj
u dj Qksje us =qfV fd;k gS ] vr% vkyksP; vkns'k vikLr fd;s tkus
;ksX; gS A vr% vihykFkhZ@vukosnd Øekad&1 dk vihy Lohdkj fd;k
tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr dj ] ifjoknh
// 11 //
dk ifjokn fujLr fd;k tkos A vihykFkhZ@vukosnd Øekad&1 ds fo}ku
vf/koDrk us vius rdZ ds leFkZu esa National Insurance Company
Limited Vs. Deepa Devi and Others 2008 ACJ 705; Purnya Kala Devi Vs.
State of Assam and Another 2014 ACJ 1269; Appeal No.FA/2017/906 -
Nageshwar Rao Vs. Branch Manager, United India Insurance Co. Ltd.
and Others decided by this Commission vide order dated 12.02.2018.
U;k; n`"Vkar dk voyacu fy;k gS
10- mRrjoknh Øekad&1@ifjoknh dh vksj ls milatkr gksus okys
fo}ku vf/koDrk Jh fo|kuan jktiwr dk ;g rdZ gS fd ftyk Qksje us
tks vkns'k ikfjr fd;k gS ] og iw.kZr% fof/klEer~ vkns'k gS A vr%
vihykFkhZ@vukosnd Øekad&1 dk vihy fujLr fd;k tkos vkSj ftyk
Qksje }kjk ikfjr vkns'k ;Fkkor~ j[kk tkos A
11- mRrjoknh Øekad&2] 3 ,oa 4@vukosnd Øekad&2 ] 3 ,oa 4 dh
vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vk'kh"k JhokLro dk ;g
rdZ gS fd iz'uk/khu okgu chekd`r gS ] ftldh ftEenkjh chek daiuh dh
gksrh gS A blesa mRrjoknh Øekad&2] 3 ,oa 4@vukosnd Øekad&2 ] 3
,oa 4 dh dksbZ ftEesnkjh ugha gS ,oa ifjoknh ] mRrjoknh Øekad&2] 3
,oa 4@vukosnd Øekad&2 ] 3 ,oa 4 dk miHkksDrk ugha gS A vr% mDr
okn bl vf/kfu;e ds varxZr la/kkj.kh; ugha gS A blh dkj.k ds fy,
Qksje }kjk mRrjoknh Øekad&2] 3 ,oa 4@vukosnd Øekad&2 ] 3 ,oa 4
dks nkf;Ro ls eqDr fd;k gS ] tks fd mfpr gS A
// 12 //
12- geus mHk;i{kksa 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;k A
13- ;g Lohd`r gS fd ifjoknh okgu Øekad& C.G.-17-D-0895 dk
iathd`r Lokeh gS vkSj mDr okgu fnukad&19-01-2011 ls 18-01-2012 rd
dh vof/k ds fy, vihykFkhZ@vukosnd Øekad&1@;wukbZVsM bafM;k
ba';ksjsal daiuh ds ikl chfer Fkk A
14- ifjoknh us vius ifjokn&i= dh dafMdk&3 ¼v½ esa ;g crk;k gS
fd & ^^ fnukad&26-01-2011 dks xzke Qjlxkao esa vU; nq?kZVuk ls
vkØksf'kr gksdj 300&400 yksx Fkkuk ds izkaxM+ ds njoktk ds pSu dks
rksM+ dj vanj ?kql x;s rFkk rksM+&QksM+ djrs gq, Fkkuk esa [kM+h vU;
okguksa dks feV~Vh dk rsy Mkydj tykus yxs A mDr ?kVuk esa vkosnd
dh okgu tks fd izdj.k Øekad&02@2011 esa tIr dh Fkh ] dks feV~Vh
dk rsy Mkydj tyk fn;k ] ftlls vkosnd dk okgu Vosjk iwjh rjg ls
tydj u"V gks x;h A bl ?kVuk dh fjiksVZ Fkkuk Qjlxkao }kjk ntZ
djok;k x;k ] tks fd vijk/k Øekad&05@11 varxZr /kkjk&147] 148
]149 ] 395 ] 436 ] 353] Hkk-n-fo- rFkk 3] 4 yksd laifRr {kfr fuokj.k
vf/kfu;e ds rgr~ iathc) fd;k x;k gS A vkosnd us vius mijksDr
okgu Vosjk ds tyk fn;s tkus ls vkosd ds fu;ekuqlkj vukosnd daiuh
ls mijksDr okgu dh chek jkf'k : 8]50]000@&¼vkB yk[k ipkl gtkj
:i,½ dh ekax fd;k] fdarq vukosnd dh daiuh ds }kjk ifjoknh dks
// 13 //
fujarj ?kqek;k tkrk jgk rFkk fnukad&16-12-2011 dks ifjoknh dks {kfr
jkf'k dk Hkqxrku djus ls ^ uks Dyse * dk i= tkjh dj Dyse chek
jkf'k ds Hkqxrku dks nsus ls Li"V euk dj fn;k A**
15- ifjoknh dh vksj ls izFke lwpuk izfrosnu fnukad&26-01-2011
izLrqr fd;k x;k gS vkSj lkFk gh uqdlkuh iapukek ] laifRr tCrh i=d
izLrqr fd;k x;k gS A laifRr tCrh i= ls izekf.kr gksrk gS fd
fnukad&11-01-2011 dks mDr okgu Fkkuk Qjlxkao dh iqfyl us vijk/k
Øekad&02@2011 ds varxZr /kkjk&279] 337 o 338 Hkkjrh; n.M lafgrk
ds rgr~ ekeyk iathc) dj mDr okgu dks tCr dj Fkkuk ds izkax.k esa
tCr j[kk gqvk Fkk A mDr nLrkost ds vk/kkj ij ;g izekf.kr gS fd
ifjoknh dk okgu fnukad&11-01-2011 dks Qjlxkao iqfyl ds }kjk tCr
fd;k x;k Fkk ] ftls fnukad&26-01-2011 dks lqcg 8-40 cts HkhM+ }kjk
Fkkuk ifjlj esa izos'k dj xkM+h dks {kfrxzLr fd;k x;k Fkk rFkk Fkkus esa
rksM+&QksM+ dh xbZ Fkh A bl izdkj Li"V gS fd iz'uk/khu okgu {kfrxzLr
gqvk Fkk A
16- vc ;g ns[kuk gS fd D;k ifjoknh ] vihykFkhZ@vukosnd
Øekad&1@;wukbZVsM bafM;k ba';ksjsal daiuh ls {kfriwfrZ izkIr djus dk
vf/kdkjh gS \ fujkdj.k fuEukuqlkj gS %&
17- vihykFkhZ@vukosnd Øekad&1@;wukbZVsM bafM;k ba';ksjsal daiuh
ds fo}ku vf/koDrk ds }kjk ;g rdZ fd;k x;k fd iz'uk/khu okgu
// 14 //
fnukad&26-01-2011 dks nq?kZVukxzLr gqvk Fkk ] fdarq chek daiuh dks
nq?kZVuk dh lwpuk yxHkx 5 ekg ckn fnukad&23-05-2011 dks nh xbZ
Fkh ] ftlds dkj.k chek daiuh ] vUos"k.k ] losZ;j ,oa vflLesaV vkfn
ugha dj ik;h Fkh A ifjoknh dks nq?kZVuk ds rRdky ckn dqN ?kaVksa ds
vanj gh chek daiuh dks lwpuk nsuk pkfg, Fkk ,oa ifjoknh ds }kjk
foyac ls lwpuk nsus dk dksbZ Hkh lek/kkudkjd dkj.k Hkh ugha crk;k
x;k ] tks fd chek ikWfylh dh 'krksZa dk mYya?ku gS A chek lafonk 'krksZa
ds vuqlkj fdlh Hkh nkos ds fy, laiw.kZ vkSj Rofjr tkudkjh nsuk
chek/kkjd dk dRrZO; gS A chek daiuh }kjk vius rdZ ds leFkZu esa chek
ikWfylh dh izfrfyfi ¼nLrkost Øekad&izn'kZ ,u-,-5½ izLrqr fd;k x;k
gS A mDr ikWfylh dh 'krZ Øekad&1 fuEukuqlkj gS &
"(1) Notice shall be given in writing to the Company
immediately upon the occurrence of any accidental loss or
damage and the event of any claim and thereafter the
insured shall give all such information and assistance as
the Company shall require. Every letter, claim, writ
summons and/or process or copy thereof shall be forwarded
to the Company immediately on receipt by the insured.
Notice shall also be given in writing to the Company
immediately the insured shall have knowledge of any
impending prosecution inquest of Fatal inquiry in respect
of any occurrence, which may give rise to a claim under
this plicy. In case of theft or criminal act which may be
the subject of a claim under this policy the insured shall
give immediate notice to the police and co-operate with the
company in securing the conviction of the offended."